{"id":39756,"date":"2017-01-30T11:24:47","date_gmt":"2017-01-30T09:24:47","guid":{"rendered":"https:\/\/www.imobiliare.ro\/?p=39756"},"modified":"2017-01-30T11:24:47","modified_gmt":"2017-01-30T09:24:47","slug":"interviu-cu-un-cumparator-cum-sa-te-indatorezi-cat-mai-putin-pentru-o-casa","status":"publish","type":"post","link":"https:\/\/www.imobiliare.ro\/imoexpert\/interviu-cu-un-cumparator-cum-sa-te-indatorezi-cat-mai-putin-pentru-o-casa_db\/","title":{"rendered":"INTERVIU cu un cump\u0103r\u0103tor: cum s\u0103 te \u00eendatorezi c\u00e2t mai pu\u021bin pentru o cas\u0103!"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_83 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-6a310d406ff4e\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"ez-toc-cssicon\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-6a310d406ff4e\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.imobiliare.ro\/imoexpert\/interviu-cu-un-cumparator-cum-sa-te-indatorezi-cat-mai-putin-pentru-o-casa_db\/#Pe_termen_lung_achitarea_unui_avans_cat_mai_mic_la_achizitia_unei_locuinte_nu_reprezinta_un_avantaj_%E2%80%93_chiar_dimpotriva\" >Pe termen lung, achitarea unui avans c\u00e2t mai mic la achizi\u021bia unei locuin\u021be nu reprezint\u0103 un avantaj \u2013 chiar dimpotriv\u0103.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.imobiliare.ro\/imoexpert\/interviu-cu-un-cumparator-cum-sa-te-indatorezi-cat-mai-putin-pentru-o-casa_db\/#Cand_Prima_Casa_nu_e_singura_optiune\" >C\u00e2nd Prima Cas\u0103 nu e singura op\u021biune<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.imobiliare.ro\/imoexpert\/interviu-cu-un-cumparator-cum-sa-te-indatorezi-cat-mai-putin-pentru-o-casa_db\/#Stai_cu_parintii_Pune_o_chirie_deoparte\" >Stai cu p\u0103rin\u021bii? Pune o chirie deoparte!<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Pe_termen_lung_achitarea_unui_avans_cat_mai_mic_la_achizitia_unei_locuinte_nu_reprezinta_un_avantaj_%E2%80%93_chiar_dimpotriva\"><\/span><span style=\"color: #000000;\"><span style=\"font-size: small;\">Pe termen lung, achitarea unui avans c\u00e2t mai mic la achizi\u021bia unei locuin\u021be nu reprezint\u0103 un avantaj \u2013 chiar dimpotriv\u0103.<\/span><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\u00cen decembrie anul trecut, Ionu\u021b \u0219i Mihaela F. au finalizat achizi\u021bia primei lor case: un apartament cu trei camere \u00eentr-un bloc (vechi) din Drumul Taberei. Tranzac\u021bia a fost una mai pu\u021bin obi\u0219nuit\u0103 comparativ cu masa celor derulate pe acest segment de pia\u021b\u0103, \u00een sensul c\u0103 NU a avut loc prin Prima Cas\u0103. Pentru a pl\u0103ti cei 54.000 de euro solicita\u021bi de v\u00e2nz\u0103tor, ace\u0219tia au contractat un credit ipotecar standard (de la ING), \u00een vreme ce 25% din sum\u0103 au acoperit-o din propriile economii. Adic\u0103 13.500 de euro (la care s-au ad\u0103ugat, desigur, \u0219i costurile notariale). <\/p>\n<p><a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2017\/01\/cum-sa-te-indatorezi-cat-mai-putin-pentru-o-casa.jpg\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2017\/01\/cum-sa-te-indatorezi-cat-mai-putin-pentru-o-casa.jpg\" alt=\"Interviu cu un cumparator: cum sa te indatorezi cat mai putin pentru o casa\" width=\"600\" height=\"444\" class=\"aligncenter size-full wp-image-39760\" srcset=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2017\/01\/cum-sa-te-indatorezi-cat-mai-putin-pentru-o-casa.jpg 600w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2017\/01\/cum-sa-te-indatorezi-cat-mai-putin-pentru-o-casa-300x222.jpg 300w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2017\/01\/cum-sa-te-indatorezi-cat-mai-putin-pentru-o-casa-130x97.jpg 130w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Cand_Prima_Casa_nu_e_singura_optiune\"><\/span><span style=\"color: #000000;\"><span style=\"font-size: small;\">C\u00e2nd Prima Cas\u0103 nu e singura op\u021biune<\/span><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\u00centr-o pia\u021b\u0103 \u00een care principalul resort al popularit\u0103\u021bii programului Prima Cas\u0103 \u00eel reprezint\u0103 tocmai avansul extrem de mic fa\u021b\u0103 de celelalte solu\u021bii de creditare, a dispune de o asemenea sum\u0103 reprezint\u0103 o adev\u0103rat\u0103 performan\u021b\u0103. Mai ales c\u0103 alegerea acestei variante nu a venit din constr\u00e2ngere, pe fondul <strong><a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/articole\/intre-ciocan-si-nicovala-despre-prima-casa-si-darea-in-plata_db\/\">provoc\u0103rilor<\/a><\/strong> generate anul trecut de adoptarea legii d\u0103rii \u00een plat\u0103 \u0219i de sincopele ap\u0103rute \u00een func\u021bionarea programului guvernamental. \u201eNe-am dorit de la \u00eenceput s\u0103 \u00eemprumut\u0103m c\u00e2t mai pu\u021bin de la banc\u0103\u201d, spune Mihaela, ad\u0103ug\u00e2nd c\u0103 la Prima Cas\u0103 nu au apelat pentru c\u0103 birocra\u021bia \u00een acordarea creditului ar fi durat mai mult.<\/p>\n<p>Cum au reu\u0219it \u00eens\u0103 cei doi s\u0103 achite un sfert din valoarea unei case, \u00een condi\u021biile \u00een care venitul lor cumulat ajunge la pu\u021bin peste dublul mediului pe economie (circa 2.200 de RON net)? R\u0103spunsul este simplu: au <strong><a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/sfaturi\/visezi-la-o-locuinta-a-ta-cat-trebuie-sa-economisesti-pentru-ea_db\/\">economisit<\/a><\/strong> c\u00e2t au putut (f\u0103r\u0103 a se lipsi, \u00eens\u0103, de cele necesare \u2013 mai ales c\u0103, din toamna lui 2015, sunt \u0219i p\u0103rin\u021bii unui b\u0103ie\u021bel, pe nume Filip). Au \u00eenceput imediat dup\u0103 ce s-au c\u0103s\u0103torit, \u00een vara lui 2013, prin a pune deoparte banii care le-au r\u0103mas dup\u0103 nunt\u0103 (\u0219i luna de miere). <\/p>\n<h2><span class=\"ez-toc-section\" id=\"Stai_cu_parintii_Pune_o_chirie_deoparte\"><\/span><span style=\"color: #000000;\"><span style=\"font-size: small;\">Stai cu p\u0103rin\u021bii? Pune o chirie deoparte!<\/span><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Un avantaj important, pe care l-au \u0219i valorificat din plin, a fost c\u0103 au avut posibilitatea de a locui cu mama Mihaelei \u00een apartamentul cu trei camere pe care aceasta \u00eel \u00eemp\u0103r\u021bise p\u00e2n\u0103 atunci doar cu fiica sa. Un \u201earanjament\u201d pe care l-au privit \u00eens\u0103 doar ca o solu\u021bie temporar\u0103, vis\u00e2nd ca, la un moment dat, s\u0103-\u0219i poat\u0103 cump\u0103ra o cas\u0103 a lor. \u00centre timp, au decis s\u0103 tr\u0103iasc\u0103 cump\u0103tat, ca \u0219i cum ar locui \u00een chirie, pun\u00e2nd  deoparte (mai mult dec\u00e2t) contravaloarea sumei pe care ar fi avut-o astfel de achitat. (Desigur c\u0103, pe l\u00e2ng\u0103 asta, au \u0219i contribuit \u00een bun\u0103 m\u0103sur\u0103 la cheltuielile casei).<\/p>\n<p>Timpul a trecut, iar eforturile lor au fost r\u0103spl\u0103tite. Dup\u0103 doar trei ani de c\u0103s\u0103torie, au realizat c\u0103 \u00ee\u0219i pot permite s\u0103 se mute la casa lor, f\u0103r\u0103 a se \u00eendatora \u00eens\u0103 p\u00e2n\u0103 peste cap. Tot pentru a da c\u00e2t mai pu\u021bin la banc\u0103, creditul l-au f\u0103cut pe 15 ani. Rata lunar\u0103 pe care o au de plat\u0103, \u00een valoare de circa 1.400 de lei pe lun\u0103, este chiar mai mic\u0103 dec\u00e2t suma pe care s-au obi\u0219nuit s\u0103 o pun\u0103 deoparte p\u00e2n\u0103 acum. \u0218i poate c\u0103, astfel, vor continua s\u0103 economiseasc\u0103&#8230; <\/p>\n","protected":false},"excerpt":{"rendered":"<p>Pe termen lung, achitarea unui avans c\u00e2t mai mic la achizi\u021bia unei locuin\u021be nu reprezint\u0103 un avantaj \u2013 chiar dimpotriv\u0103. \u00cen decembrie anul trecut, Ionu\u021b \u0219i Mihaela F. au finalizat achizi\u021bia primei lor case: un apartament cu trei camere \u00eentr-un bloc (vechi) din Drumul Taberei. Tranzac\u021bia a fost una mai pu\u021bin obi\u0219nuit\u0103 comparativ cu masa [&hellip;]<\/p>\n","protected":false},"author":829,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[],"tags":[],"content_author":[],"class_list":["post-39756","post","type-post","status-publish","format-standard"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>INTERVIU cu un cump\u0103r\u0103tor: cum s\u0103 te \u00eendatorezi c\u00e2t mai pu\u021bin pentru o cas\u0103! - ImoExpert<\/title>\n<meta name=\"description\" content=\"Pe termen lung, achitarea unui avans c\u00e2t mai mic la achizi\u021bia unei locuin\u021be nu reprezint\u0103 un avantaj \u2013 chiar dimpotriv\u0103. \u00cen decembrie anul trecut, Ionu\u021b\" \/>\n<meta name=\"robots\" content=\"index, follow\" \/>\n<link rel=\"canonical\" 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