{"id":39860,"date":"2017-02-13T11:17:09","date_gmt":"2017-02-13T09:17:09","guid":{"rendered":"https:\/\/www.imobiliare.ro\/?p=39860"},"modified":"2017-02-13T11:17:09","modified_gmt":"2017-02-13T09:17:09","slug":"achizitiile-de-locuinte-nu-mai-depind-doar-de-prima-casa","status":"publish","type":"post","link":"https:\/\/www.imobiliare.ro\/imoexpert\/achizitiile-de-locuinte-nu-mai-depind-doar-de-prima-casa_db\/","title":{"rendered":"Achizi\u021biile de locuin\u021be NU mai depind (doar) de Prima Cas\u0103!"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_81 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-69e7d8ea23999\" 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-69e7d8ea23999\"  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\/achizitiile-de-locuinte-nu-mai-depind-doar-de-prima-casa_db\/#Desi_a_inregistrat_o_cerere-record_anul_trecut_este_evident_ca_programul_de_stat_nu_mai_reprezinta_singura_optiune_pentru_clienti\" >De\u0219i a \u00eenregistrat o cerere-record anul trecut, este evident c\u0103 programul de stat nu mai reprezint\u0103 singura op\u021biune pentru clien\u021bi.<\/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\/achizitiile-de-locuinte-nu-mai-depind-doar-de-prima-casa_db\/#Strategie_cincinala\" >Strategie cincinal\u0103<\/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\/achizitiile-de-locuinte-nu-mai-depind-doar-de-prima-casa_db\/#Inca_2000_de_credite_din_banii_pe_2016\" >\u00cenc\u0103 2.000 de credite din banii pe 2016<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.imobiliare.ro\/imoexpert\/achizitiile-de-locuinte-nu-mai-depind-doar-de-prima-casa_db\/#Creste_popularitatea_ipotecarelor_standard\" >Cre\u0219te popularitatea ipotecarelor standard<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.imobiliare.ro\/imoexpert\/achizitiile-de-locuinte-nu-mai-depind-doar-de-prima-casa_db\/#Clientii_cu_venituri_superioare_tot_mai_activi\" >Clien\u021bii cu venituri superioare, tot mai activi<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.imobiliare.ro\/imoexpert\/achizitiile-de-locuinte-nu-mai-depind-doar-de-prima-casa_db\/#O_solutie_inca_populara\" >O solu\u021bie \u00eenc\u0103 popular\u0103<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Desi_a_inregistrat_o_cerere-record_anul_trecut_este_evident_ca_programul_de_stat_nu_mai_reprezinta_singura_optiune_pentru_clienti\"><\/span><span style=\"color: #000000;\"><span style=\"font-size: small;\">De\u0219i a \u00eenregistrat o cerere-record anul trecut, este evident c\u0103 programul de stat nu mai reprezint\u0103 singura op\u021biune pentru clien\u021bi.<\/span><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Putem spune c\u0103, pe parcursul perioadei de recesiune economic\u0103, programul <strong><a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/articole\/prima-casa-salvarea-tranzactiilor-cu-locuinte_db\/\">Prima Cas\u0103 a fost \u201ep\u00e2inea \u0219i sarea\u201d<\/a><\/strong> cump\u0103r\u0103torilor de locuin\u021be din Rom\u00e2nia. Pentru mul\u021bi, acesta reprezint\u0103 \u00een continuare cea mai accesibil\u0103 modalitate de achizi\u021bie. \u00cen condi\u021biile \u00een care pia\u021ba a intrat \u00eentr-o nou\u0103 etap\u0103 de dezvoltare, este de a\u0219teptat \u00eens\u0103 ca influen\u021ba programului de stat s\u0103 se diminueze, iar b\u0103ncile \u0219i clien\u021bii s\u0103 g\u0103seasc\u0103 solu\u021bii alternative de finan\u021bare \u2013 o tendin\u021b\u0103 ai c\u0103rei \u201emuguri\u201d se v\u0103d deja!<\/p>\n<p><a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2017\/02\/achizitii-locuinte-Prima-Casa.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-39861\" src=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2017\/02\/achizitii-locuinte-Prima-Casa.jpg\" alt=\"achizitii locuinte Prima Casa\" width=\"600\" height=\"389\" srcset=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2017\/02\/achizitii-locuinte-Prima-Casa.jpg 600w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2017\/02\/achizitii-locuinte-Prima-Casa-300x195.jpg 300w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2017\/02\/achizitii-locuinte-Prima-Casa-87x57.jpg 87w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2017\/02\/achizitii-locuinte-Prima-Casa-65x43.jpg 65w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Strategie_cincinala\"><\/span><span style=\"color: #000000;\"><span style=\"font-size: small;\">Strategie cincinal\u0103<\/span><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Pe fondul cererii crescute de credite co-garantate de c\u0103tre stat, provocate de legea d\u0103rii \u00een plat\u0103, reprezentan\u021bii Guvernului au elaborat la finele anului trecut o strategie de desf\u0103\u0219urare a programului pe urm\u0103torii cinci ani, \u00eentre 2017 \u0219i 2021. \u201ePentru Prima Cas\u0103 am constatat c\u0103 e nevoie de ceva predictibilitate. De aceea am propus o strategie pe cinci ani, astfel \u00eenc\u00e2t at\u00e2t clien\u0163ii, at\u00e2t persoanele fizice, c\u00e2t \u015fi constructorii sau cei care de\u0163in locuin\u0163e \u015fi vor s\u0103 le v\u00e2nd\u0103 s\u0103-\u015fi poat\u0103 face un proiect pe mai mult de un an\u201d, explica, la vremea respectiv\u0103, Ministrul Finan\u021belor, Anca Dragu.<\/p>\n<p>Potrivit strategiei men\u021bionate, cei care se g\u00e2ndesc s\u0103 solicite un credit co-garantat de c\u0103tre stat vor avea la dispozi\u021bie un plafon \u00een valoare de aproximativ 2,5 miliarde de lei \u00een 2017; suma alocat\u0103 de autorit\u0103\u021bi va sc\u0103dea \u00eens\u0103 la 2 miliarde de lei \u00een 2018, 2019 \u0219i 2020 \u0219i, \u00een cele din urm\u0103, la 1,5 miliarde de lei \u00een 2021. Oficialii Guvernului precizeaz\u0103 c\u0103 aceast\u0103 reducere treptat\u0103 de fonduri are ca scop diminuarea interven\u021biei statului pe pia\u021ba imobiliar\u0103, pornind de la presupunerea (\u0219i a\u0219teptarea!) c\u0103 pia\u021ba ipotecar\u0103 va continua s\u0103 se dezvolte \u00een urm\u0103torii ani, iar accesul clien\u021bilor la solu\u021bii alternative de creditare se va \u00eembun\u0103t\u0103\u021bi.<\/p>\n<div class=\"entry-content-inline-styles\">\n<h2><span class=\"ez-toc-section\" id=\"Inca_2000_de_credite_din_banii_pe_2016\"><\/span><span style=\"color: #000000;\"><span style=\"font-size: small;\">\u00cenc\u0103 2.000 de credite din banii pe 2016<\/span><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>La nivelul lunii februarie, plafonul de 2,5 miliarde de lei anun\u021bat pentru 2017 urmeaz\u0103 \u00eenc\u0103 s\u0103 fie aprobat de c\u0103tre stat. P\u00e2n\u0103 atunci \u00eens\u0103, programul Prima Cas\u0103 continu\u0103 s\u0103 func\u021bioneze, potrivit reprezentan\u021bilor Fondului Na\u021bional de Garantare a Creditelor pentru \u00centreprinderi Mici \u0219i Mijlocii (FNGCIMM). Astfel, cei interesa\u021bi au la dispozi\u021bie fondurile alocate, dar r\u0103mase neutilizate \u00een 2016, \u00een valoare de 175,5 de milioane de lei. De men\u021bionat este c\u0103 aceast\u0103 sum\u0103 va permite finan\u0163atorilor acordarea de credite \u00een valoare total\u0103 de aproximativ 351 de milioane de lei (circa 77,9 milioane de euro). Lu\u00e2nd \u00een considerare o valoare medie de garantare de 40.000 de euro, rezult\u0103 c\u0103 b\u0103ncile pot acorda circa 1.950 de credite din fondurile r\u0103mase de anul trecut.\n<\/p><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Creste_popularitatea_ipotecarelor_standard\"><\/span><span style=\"color: #000000;\"><span style=\"font-size: small;\">Cre\u0219te popularitatea ipotecarelor standard<\/span><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Chiar dup\u0103 un an ca 2016, care a consemnat o cerere-record pe segmentul Prima Cas\u0103, aceast\u0103 a\u0219teptare a autorit\u0103\u021bilor nu pare a fi nefondat\u0103, dup\u0103 cum reiese din experien\u021ba de v\u00e2nz\u0103ri a unor dezvoltatori. \u00cen cadrul ansamblului reziden\u021bial bucure\u0219tean The Park Apartments, spre exemplu, doar 18% dintre clien\u021bii de anul trecut au apelat la programul Prima Cas\u0103, \u00een vreme ce o treime dintre cump\u0103r\u0103tori au pl\u0103tit cash pentru locuin\u021bele achizi\u021bionate, iar 50% au optat pentru <strong><a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/vanzare-apartamente\/interviu-cu-un-cumparator-cum-sa-te-indatorezi-cat-mai-putin-pentru-o-casa_db\/\">alte tipuri de credite ipotecare<\/a><\/strong>. \u201e2016 a fost un an foarte agitat, cu multe evenimente, mai degrab\u0103 cu un efect psihologic auspra pie\u021bei. Clien\u021bii nu \u0219tiau clar care sunt op\u021biunile pe care le au la dispozi\u021bie. Acesta este motivul care ne-a determinat s\u0103 coopt\u0103m \u00een echipa de v\u00e2nz\u0103ri un fost broker bancar cu o experien\u021b\u0103 \u00een acest domeniu mai mare de patru ani, al c\u0103rui rol a fost acela de a le explica clien\u021bilor care sunt op\u021biunile cele mai bune, adaptate \u00een func\u021bie de fiecare caz. De altfel, au existat \u00een pia\u021b\u0103 produse financiare care au r\u0103spuns nevoii clien\u021bilor no\u0219tri\u201d, a explicat, pentru <strong><a class=\"article-body-links\"href=\"http:\/\/www.imobiliare.ro\/\">Imobiliare.ro<\/a><\/strong>, Silviu Grigorescu, directorul general al Hanner Rom\u00e2nia, compania dezvoltatoare.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Clientii_cu_venituri_superioare_tot_mai_activi\"><\/span><span style=\"color: #000000;\"><span style=\"font-size: small;\">Clien\u021bii cu venituri superioare, tot mai activi<\/span><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Un rol important \u00een dep\u0103\u0219irea \u201eparadigmei Prima Cas\u0103\u201d l-a avut, desigur, readaptarea ofertelor b\u0103ncilor la nevoile pie\u021bei \u0219i ale consumatorilor \u2013 este semnificativ c\u0103, la scurt timp de la intrarea \u00een vigoare a d\u0103rii \u00een plat\u0103, acestea au revenit, \u00een mare parte, la <strong><a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/credite-3\/bancile-largesc-gura-pungii-la-creditele-pentru-locuinte_db\/\">un nivel mai accesibil al avansurilor solicitate<\/a><\/strong>. Demn\u0103 de luat \u00een seam\u0103 este \u00eens\u0103 \u0219i ie\u0219irea din expectativ\u0103 a unei categorii de consumatori cu venituri superioare, pentru care plata unui avans mai mare de 5% nu reprezint\u0103 a\u0219a o problem\u0103. Astfel, \u00een cadrul ansamblului The Park, un sfert dintre vizitatorii din anul 2016 lucreaz\u0103 \u00een domeniul IT sau \u00een business-uri conexe. \u201eSegmentul mediu-superior a devenit foarte activ \u00een pia\u021b\u0103 \u00een ultimii doi ani. Noi am reu\u0219it s\u0103 g\u00e2ndim un produs adaptat pe nevoile acestui segment, cu un accent foarte mare pus pe calitatea construc\u021biei, pe serviciile oferite comunit\u0103\u021bii sau pe consultan\u021ba acordat\u0103 pe parcursul \u00eentregului proces de achizi\u021bie\u201d, explic\u0103 Silviu Grigorescu.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"O_solutie_inca_populara\"><\/span><span style=\"color: #000000;\"><span style=\"font-size: small;\">O solu\u021bie \u00eenc\u0103 popular\u0103<\/span><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Chiar dac\u0103 domina\u021bia programului Prima Cas\u0103 \u00eencepe s\u0103 sl\u0103beasc\u0103, acesta r\u0103m\u00e2ne, deocamdat\u0103, un sprijin important pentru reziden\u021bialul autohton \u2013 mai ales pe segmentul locuin\u021belor mai ieftine. Potrivit estim\u0103rilor Coldwell Banker Rom\u00e2nia, programul guvernamental continu\u0103 s\u0103 reprezinte principalul motor de v\u00e2nz\u0103ri pe segmentele low \u0219i mass-market, put\u00e2nd s\u0103 ajung\u0103 \u2013 \u0219i chiar s\u0103 dep\u0103\u0219easc\u0103 \u2013 o cot\u0103 de 70% din totalul tranzac\u021biilor, \u00een func\u021bie de proiect. \u201eAnun\u021bul recent al autorit\u0103\u021bilor potrivit c\u0103ruia programul Prima Cas\u0103 va fi continuat p\u00e2n\u0103 \u00een 2021 va spori gradul de prectibilitate al pie\u021bei reziden\u021biale, at\u00e2t pentru investitori, care vor putea s\u0103 \u00ee\u0219i realizeze temeinic planurile de business, c\u00e2t \u0219i pentru poten\u021bialii cump\u0103r\u0103tori, care nu vor mai lua decizia achizi\u021bion\u0103rii unei noi locuin\u021be \u00eentr-o perioad\u0103 dominat\u0103 de incertitudine\u201d, sunt de p\u0103rere reprezentan\u021bii companiei de consultan\u021b\u0103.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>De\u0219i a \u00eenregistrat o cerere-record anul trecut, este evident c\u0103 programul de stat nu mai reprezint\u0103 singura op\u021biune pentru clien\u021bi. Putem spune c\u0103, pe parcursul perioadei de recesiune economic\u0103, programul Prima Cas\u0103 a fost \u201ep\u00e2inea \u0219i sarea\u201d cump\u0103r\u0103torilor de locuin\u021be din Rom\u00e2nia. Pentru mul\u021bi, acesta reprezint\u0103 \u00een continuare cea mai accesibil\u0103 modalitate de achizi\u021bie. \u00cen [&hellip;]<\/p>\n","protected":false},"author":829,"featured_media":39861,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[263,259],"tags":[1602,1410,1548,1411,451],"content_author":[],"class_list":["post-39860","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credite","category-stiri","tag-achizitii-locuinte","tag-newsletter","tag-prima-casa","tag-principal","tag-proprietar"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.0 (Yoast SEO v27.0) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Achizi\u021biile de locuin\u021be NU mai depind (doar) de Prima Cas\u0103! - Credite, \u0218tiri - ImoExpert<\/title>\n<meta name=\"description\" content=\"De\u0219i a \u00eenregistrat o cerere-record anul trecut, este evident c\u0103 programul de stat nu mai reprezint\u0103 singura op\u021biune pentru clien\u021bi. 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