{"id":41568,"date":"2017-10-20T19:24:11","date_gmt":"2017-10-20T16:24:11","guid":{"rendered":"https:\/\/www.imobiliare.ro\/?p=41568"},"modified":"2017-10-20T19:24:11","modified_gmt":"2017-10-20T16:24:11","slug":"avertisment-pentru-cumparatorii-de-locuinte-atentie-la-gradul-de-indatorare","status":"publish","type":"post","link":"https:\/\/www.imobiliare.ro\/imoexpert\/avertisment-pentru-cumparatorii-de-locuinte-atentie-la-gradul-de-indatorare_db\/","title":{"rendered":"Avertisment pentru cump\u0103r\u0103torii de locuin\u021be: ATEN\u021aIE la gradul de \u00eendatorare!"},"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-69e7c7148d888\" 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-69e7c7148d888\"  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\/avertisment-pentru-cumparatorii-de-locuinte-atentie-la-gradul-de-indatorare_db\/#Reprezentantii_Comitetului_National_pentru_Supravegherea_Macroprudentiala_semnaleaza_cresterea_periculoasa_a_acestui_indicator\" >Reprezentan\u021bii Comitetului Na\u021bional pentru Supravegherea Macropruden\u021bial\u0103 semnaleaz\u0103 cre\u0219terea periculoas\u0103 a acestui indicator.<\/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\/avertisment-pentru-cumparatorii-de-locuinte-atentie-la-gradul-de-indatorare_db\/#Preturile_pe_plus_si_in_2017\" >Pre\u021burile, pe plus \u0219i \u00een 2017<\/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\/avertisment-pentru-cumparatorii-de-locuinte-atentie-la-gradul-de-indatorare_db\/#Risc_crescut_de_neperformanta\" >Risc crescut de neperforman\u021b\u0103<\/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\/avertisment-pentru-cumparatorii-de-locuinte-atentie-la-gradul-de-indatorare_db\/#Ce_inseamna_o_rata_%E2%80%9Edecenta%E2%80%9D\" >Ce \u00eenseamn\u0103 o rat\u0103 \u201edecent\u0103\u201d?<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Reprezentantii_Comitetului_National_pentru_Supravegherea_Macroprudentiala_semnaleaza_cresterea_periculoasa_a_acestui_indicator\"><\/span><span style=\"color: #000000;\"><span style=\"font-size: small;\">Reprezentan\u021bii Comitetului Na\u021bional pentru Supravegherea Macropruden\u021bial\u0103 semnaleaz\u0103 cre\u0219terea periculoas\u0103 a acestui indicator.<\/span><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\u00ce\u0219i dore\u0219ti o locuin\u021b\u0103 a ta \u0219i ai \u00een vedere, pentru aceasta, contractarea unui credit? Nimic ie\u0219it din comun, aceasta fiind \u00een prezent cel mai frecvent \u00eent\u00e2lnit\u0103 modalitate de achizi\u021bie \u00een r\u00e2ndul rom\u00e2nilor. \u00cenainte de a accepta \u00eens\u0103 suma maxim\u0103 acordat\u0103 de c\u0103tre banc\u0103, este recomandat s\u0103-\u021bi c\u00e2nt\u0103re\u0219ti bine posibilit\u0103\u021bile financiare \u2013 \u0219i nu doar pentru momentul de fa\u021b\u0103!<\/p>\n<p><a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2017\/10\/atentie-la-gradul-de-indatorare.jpg\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2017\/10\/atentie-la-gradul-de-indatorare.jpg\" alt=\"avertisment pentru cumparatorii de locuinte: atentie la gradul de indatorare\" width=\"600\" height=\"399\" class=\"aligncenter size-full wp-image-41570\" srcset=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2017\/10\/atentie-la-gradul-de-indatorare.jpg 600w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2017\/10\/atentie-la-gradul-de-indatorare-300x200.jpg 300w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2017\/10\/atentie-la-gradul-de-indatorare-87x57.jpg 87w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2017\/10\/atentie-la-gradul-de-indatorare-65x43.jpg 65w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2017\/10\/atentie-la-gradul-de-indatorare-154x103.jpg 154w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><\/a><\/p>\n<p>\u00cen cadrul unei \u0219edin\u021be desf\u0103\u0219urate luna aceasta, reprezentan\u021bii Comitetului Na\u021bional pentru Supravegherea Macropruden\u021bial\u0103 (CNSM) au identificat cre\u0219terea gradului de \u00eendatorare a popula\u021biei ca fiind <strong><a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/vanzare-apartamente\/bnr-avertizeaza-atentie-la-preturile-caselor_db\/\">un risc la adresa economiei na\u021bionale<\/a><\/strong>. \u201eSe men\u021bin semnalele care indic\u0103 acumularea de vulnerabilit\u0103\u021bi privind creditarea popula\u021biei, pragul de alert\u0103 fiind dep\u0103\u0219it pentru al \u0219aselea trimestru consecutiv \u00een cazul creditelor ipotecare\u201d, se arat\u0103 \u00eentr-un document al comitetului condus de Mugur Is\u0103rescu, Guvernatorul B\u0103ncii Na\u021bionale a Rom\u00e2niei (BNR). Potrivit datelor CNSM, ponderea ratei la banc\u0103 \u00een totalul veniturilor rom\u00e2nilor s-a majorat considerabil, astfel c\u0103 o treime dintre cei care au contractat un credit \u00een ultimul an au, \u00een medie, un grad de \u00eendatorare de peste 55 la sut\u0103.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Preturile_pe_plus_si_in_2017\"><\/span><span style=\"color: #000000;\"><span style=\"font-size: small;\">Pre\u021burile, pe plus \u0219i \u00een 2017<\/span><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Acest avertisment vine pe fondul perpetu\u0103rii tendin\u021bei de majorare a pre\u021burilor locuin\u021belor \u00een anul \u00een curs. Potrivit unei analize realizate recent de <strong><a class=\"article-body-links\"href=\"http:\/\/www.imobiliare.ro\/\">Imobiliare.ro<\/a><\/strong>, ecartul dintre preten\u021biile actuale ale v\u00e2nz\u0103torilor de locuin\u021be \u0219i pragul de jos al pie\u021bei continu\u0103 s\u0103 se l\u0103rgeasc\u0103, situ\u00e2ndu-se \u00een prezent la o medie de 30% (pe plan na\u021bional). \u00centr-unul dintre marile ora\u0219e ale \u021b\u0103rii, considerat de speciali\u0219ti ca fiind o pia\u021b\u0103 \u00een pericol de supra\u00eenc\u0103lzire, <strong><a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/vanzare-apartamente\/criza-doar-o-amintire-cu-cat-s-au-scumpit-locuintele-fata-de-pragul-de-jos-al-pietei_db\/\">aceast\u0103 diferen\u021b\u0103 se apropie \u00eens\u0103 de 80%<\/a><\/strong>.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Risc_crescut_de_neperformanta\"><\/span><span style=\"color: #000000;\"><span style=\"font-size: small;\">Risc crescut de neperforman\u021b\u0103<\/span><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Membrii CNSM subliniaz\u0103 c\u0103 majorarea gradului de \u00eendatorare a popula\u0163iei poate avea efecte negative importante, at\u00e2t asupra sistemului financiar, c\u00e2t \u015fi asupra cre\u0219terii economice viitoare, \u00een condi\u0163iile \u00een care este de a\u0219teptat ca popula\u0163ia care a contractat un credit ipotecar s\u0103 aib\u0103 dificult\u0103\u0163i \u00een ceea ce prive\u0219te achitarea ratelor lunare, fiind astfel nevoit\u0103 s\u0103 decid\u0103 s\u0103 reduc\u0103 consumul pentru a putea p\u0103stra locuin\u0163a achizi\u0163ionat\u0103. Oficialii comitetului arat\u0103 c\u0103, potrivit eviden\u0163elor empirice, un nivel al \u00eendator\u0103rii de peste 55% este asociat cu o probabilitate de neperforman\u0163\u0103 de 3% \u00eentr-un orizont de un an \u015fi de o probabilitate de 14% \u00een cazul unui orizont de cinci ani. \u201eSe recomand\u0103 ca Guvernul, prin Ministerul Finan\u021belor Publice, \u015fi Banca Na\u021bional\u0103 a Rom\u00e2niei s\u0103 \u00eenfiin\u0163eze un grup de lucru care s\u0103 aprofundeze analizele privind \u00eendatorarea popula\u0163iei\u201d, puncteaz\u0103 ace\u0219tia.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Ce_inseamna_o_rata_%E2%80%9Edecenta%E2%80%9D\"><\/span><span style=\"color: #000000;\"><span style=\"font-size: small;\">Ce \u00eenseamn\u0103 o rat\u0103 \u201edecent\u0103\u201d?<\/span><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\u00cen cazul \u00een care te numeri printre cei care inten\u021bioneaz\u0103 s\u0103 contracteze un credit pentru locuin\u021b\u0103 \u00een perioada urm\u0103toare, probabil c\u0103 te \u00eentrebi <strong><a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/credite-3\/vrei-sa-faci-un-credit-pentru-casa-cat-ar-trebui-sa-te-imprumuti-de-la-banca_db\/\">\u00een ce grad de \u00eendatorare ar fi prudent, totu\u0219i, s\u0103 te \u00eencadrezi<\/a><\/strong>. Potrivit recomand\u0103rilor unor speciali\u0219ti consulta\u021bi de <strong><a class=\"article-body-links\"href=\"http:\/\/www.imobiliare.ro\/\">Imobiliare.ro<\/a><\/strong>, rata lunar\u0103 la banc\u0103 nu ar trebui s\u0103 dep\u0103\u0219easc\u0103 un sfert sau maximum o treime din veniturile familiei tale!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Reprezentan\u021bii Comitetului Na\u021bional pentru Supravegherea Macropruden\u021bial\u0103 semnaleaz\u0103 cre\u0219terea periculoas\u0103 a acestui indicator. \u00ce\u0219i dore\u0219ti o locuin\u021b\u0103 a ta \u0219i ai \u00een vedere, pentru aceasta, contractarea unui credit? Nimic ie\u0219it din comun, aceasta fiind \u00een prezent cel mai frecvent \u00eent\u00e2lnit\u0103 modalitate de achizi\u021bie \u00een r\u00e2ndul rom\u00e2nilor. \u00cenainte de a accepta \u00eens\u0103 suma maxim\u0103 acordat\u0103 de c\u0103tre [&hellip;]<\/p>\n","protected":false},"author":829,"featured_media":41570,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[263,259],"tags":[294,480,1410,1411],"content_author":[],"class_list":["post-41568","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credite","category-stiri","tag-credite-2","tag-cumparator","tag-newsletter","tag-principal"],"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>Avertisment pentru cump\u0103r\u0103torii de locuin\u021be: ATEN\u021aIE la gradul de 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