{"id":40669,"date":"2017-06-05T19:15:24","date_gmt":"2017-06-05T16:15:24","guid":{"rendered":"https:\/\/www.imobiliare.ro\/?p=40669"},"modified":"2017-06-05T19:15:24","modified_gmt":"2017-06-05T16:15:24","slug":"romanii-vor-case-mai-bune-dar-multi-nu-si-permit-un-credit","status":"publish","type":"post","link":"https:\/\/www.imobiliare.ro\/imoexpert\/romanii-vor-case-mai-bune-dar-multi-nu-si-permit-un-credit_db\/","title":{"rendered":"Rom\u00e2nii vor case mai bune, dar mul\u021bi nu-\u0219i permit un credit!"},"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-6a33b098f3686\" 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-6a33b098f3686\"  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\/romanii-vor-case-mai-bune-dar-multi-nu-si-permit-un-credit_db\/#Apetitul_crescut_pentru_achizitiile_de_locuinte_reprezinta_o_fateta_a_monedei_%E2%80%93_cealalta_este_ca_multi_nu_pot_suporta_o_asemenea_povara_financiara\" >Apetitul crescut pentru achizi\u021biile de locuin\u021be reprezint\u0103 o fa\u021bet\u0103 a monedei \u2013 cealalt\u0103 este c\u0103 mul\u021bi nu pot suporta o asemenea povar\u0103 financiar\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\/romanii-vor-case-mai-bune-dar-multi-nu-si-permit-un-credit_db\/#Economisirea_primul_pas_spre_o_locuinta_mai_buna\" >Economisirea, primul pas spre o locuin\u021b\u0103 mai bun\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\/romanii-vor-case-mai-bune-dar-multi-nu-si-permit-un-credit_db\/#Finantarea_bancara_dintr-un_unghi_diferit\" >Finan\u021barea bancar\u0103, dintr-un unghi diferit:<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Apetitul_crescut_pentru_achizitiile_de_locuinte_reprezinta_o_fateta_a_monedei_%E2%80%93_cealalta_este_ca_multi_nu_pot_suporta_o_asemenea_povara_financiara\"><\/span><span style=\"color: #000000;\"><span style=\"font-size: small;\">Apetitul crescut pentru achizi\u021biile de locuin\u021be reprezint\u0103 o fa\u021bet\u0103 a monedei \u2013 cealalt\u0103 este c\u0103 mul\u021bi nu pot suporta o asemenea povar\u0103 financiar\u0103.<\/span><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\u00cen Rom\u00e2nia, majoritatea tranzac\u021biilor de pe pia\u021ba reziden\u021bial\u0103 se deruleaz\u0103, \u00een momentul de fa\u021b\u0103, cu sprijinul finan\u021b\u0103rilor bancare. Adev\u0103rul este \u00eens\u0103 c\u0103, de\u0219i au nevoie de o \u00eembun\u0103t\u0103\u021bire a situa\u021biei locative personale (\u0219i sunt dispu\u0219i s\u0103 fac\u0103 eforturi pentru aceasta), mul\u021bi nu se afl\u0103 \u00een postura de a contracta un astfel de \u00eemprumut \u2013 chiar \u0219i c\u00e2nd e vorba de o renovare\/modernizare a casei.<\/p>\n<p><a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2017\/06\/romanii-vor-case-mai-bune-dar-multi-nu-si-permit-un-credit.jpg\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2017\/06\/romanii-vor-case-mai-bune-dar-multi-nu-si-permit-un-credit.jpg\" alt=\"romanii vor case mai bune dar multi nu-si permit un credit\" width=\"600\" height=\"414\" class=\"aligncenter size-full wp-image-40671\" srcset=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2017\/06\/romanii-vor-case-mai-bune-dar-multi-nu-si-permit-un-credit.jpg 600w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2017\/06\/romanii-vor-case-mai-bune-dar-multi-nu-si-permit-un-credit-300x207.jpg 300w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><\/a><\/p>\n<p>Potrivit unui studiu realizat de IRSOP pentru Asocia\u021bia B\u0103ncilor pentru Domeniul Locativ din Rom\u00e2nia (ABDLR), majoritatea clien\u0163ilor care au economisit pe o perioad\u0103 de cinci ani \u00een cadrul b\u0103ncilor pentru locuin\u021be f\u0103r\u0103 a apela (p\u00e2n\u0103 \u00een prezent) la un credit au venituri extrem de modeste, fiind, de fapt, \u201ela limita s\u0103r\u0103ciei\u201d. \u201eOrice persoan\u0103 care are probleme locative se afl\u0103 \u00een condi\u0163ii de risc social, iar <strong><a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/vanzare-apartamente\/in-ce-conditii-locuiesc-romanii-cum-stam-fata-de-alte-popoare-europene_db\/\">84% dintre responden\u021bi declar\u0103 c\u0103 au probleme cu locuin\u0163a proprie<\/a><\/strong>. \u00cen esen\u0163\u0103, indicatorii materiali \u015fi subiectivi de s\u0103r\u0103cie arat\u0103 c\u0103 segmente largi ale clien\u0163ilor Bauspar au de fapt nevoie de protec\u0163ie social\u0103, iar \u00een condi\u0163iile dificile \u00een care tr\u0103iesc, op\u0163iunea lor pentru produsul Bauspar nu are alt\u0103 motiva\u0163ie dec\u00e2t dorin\u0163a de a-\u015fi \u00eembun\u0103t\u0103\u0163i condi\u021biile de locuit. \u00centruc\u00e2t vorbim despre familii cu risc social \u015fi locativ, prima de stat este un instrument guvernamental care \u00eencurajeaz\u0103 economisirea \u00een r\u00e2ndul persoanelor cu resurse limitate \u00een vederea \u00eembun\u0103t\u0103\u021birii condi\u021biilor de locuit\u201d, se arat\u0103 \u00een studiul citat, publicat de Banca Comercial\u0103 Rom\u00e2n\u0103 (BCR).<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Economisirea_primul_pas_spre_o_locuinta_mai_buna\"><\/span><span style=\"color: #000000;\"><span style=\"font-size: small;\">Economisirea, primul pas spre o locuin\u021b\u0103 mai bun\u0103<\/span><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\u00cen acest context, nu este de mirare c\u0103 unul din trei clien\u021bi participan\u021bi la studiu a declarat c\u0103 nu a apelat p\u00e2n\u0103 acum la un credit pentru c\u0103 nu putea face fa\u021b\u0103 ratelor. Asta \u00een condi\u021biile \u00een care aproape jum\u0103tate din totalul gospod\u0103riilor incluse \u00een cercetare \u015fi aproape dou\u0103 treimi dintre responden\u021bii de peste 60 de ani tr\u0103iesc cu un venit total mai mic 3.000 lei \u2013 c\u00e2nd venitul mediu per gospod\u0103rie ajunge azi \u00een Rom\u00e2nia la 3.085 lei. \u00cen plus, 43% dintre cei intervieva\u021bi tr\u0103iesc \u00een zone rurale sau \u00een ora\u015fe mici, cu oportunit\u0103\u021bi financiare \u0219i profesionale mai reduse.<\/p>\n<p>Cu toate acestea, rom\u00e2nii viseaz\u0103 la \u00eembun\u0103t\u0103\u021birea situa\u021biei locative \u0219i sunt dispu\u0219i s\u0103 economiseasc\u0103 pentru aceasta. Astfel, 78% dintre responden\u021bii la studiul IRSOP au folosit fondurile economisite \u0219i prima de stat pentru \u00eembun\u0103t\u0103\u0163irea condi\u021biilor de locuit. \u201eS-a dovedit c\u0103 clien\u021bii Bauspar au acela\u0219i comportament, fie c\u0103 iau sau nu credit \u2013 fondurile economisite sunt utilizate \u00een principal pentru modernizarea sau renovarea locuin\u021bei\u201d, explic\u0103 reprezentan\u021bii BCR.<\/p>\n<div class=\"entry-content-inline-styles\">\n<h2><span class=\"ez-toc-section\" id=\"Finantarea_bancara_dintr-un_unghi_diferit\"><\/span><span style=\"color: #000000;\"><span style=\"font-size: small;\">Finan\u021barea bancar\u0103, dintr-un unghi diferit:<\/span><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Modul de func\u021bionare al sistemului de economisire-creditare (sau Bauspar) este simplu: \u00eent\u00e2i clientul economise\u015fte, apoi banca acord\u0103 \u2013 celor care vor \u0219i sunt eligibili \u2013 credite pentru domeniul locativ (din fondul economisit de ceilal\u021bi participan\u021bi). Pentru participan\u021bi, guvernul ofer\u0103 o prim\u0103 de la stat \u00een valoare de 25% din depunerile anuale, dar nu mai mult de echivalentul in lei a 250 de euro. Un sistem Bauspar bine dezvoltat contribuie la stabilitatea economic\u0103 datorit\u0103 modelului de afaceri anti-ciclic \u0219i riscului sc\u0103zut. Acest sistem a avut un aport deosebit la reconstruc\u021bia Germaniei \u0219i  altor \u021b\u0103ri din Europa, dup\u0103 al doilea r\u0103zboi mondial.<\/p><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Apetitul crescut pentru achizi\u021biile de locuin\u021be reprezint\u0103 o fa\u021bet\u0103 a monedei \u2013 cealalt\u0103 este c\u0103 mul\u021bi nu pot suporta o asemenea povar\u0103 financiar\u0103. \u00cen Rom\u00e2nia, majoritatea tranzac\u021biilor de pe pia\u021ba reziden\u021bial\u0103 se deruleaz\u0103, \u00een momentul de fa\u021b\u0103, cu sprijinul finan\u021b\u0103rilor bancare. Adev\u0103rul este \u00eens\u0103 c\u0103, de\u0219i au nevoie de o \u00eembun\u0103t\u0103\u021bire a situa\u021biei locative personale [&hellip;]<\/p>\n","protected":false},"author":829,"featured_media":40671,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[259],"tags":[294,480,1410,1411],"content_author":[],"class_list":{"0":"post-40669","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-stiri","8":"tag-credite-2","9":"tag-cumparator","10":"tag-newsletter","11":"tag-principal"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Rom\u00e2nii vor case mai bune, dar mul\u021bi nu-\u0219i permit un credit! - \u0218tiri - ImoExpert<\/title>\n<meta name=\"description\" content=\"Apetitul crescut pentru achizi\u021biile de locuin\u021be reprezint\u0103 o 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