{"id":42084,"date":"2017-12-18T12:09:14","date_gmt":"2017-12-18T10:09:14","guid":{"rendered":"https:\/\/www.imobiliare.ro\/?p=42084"},"modified":"2017-12-18T12:09:14","modified_gmt":"2017-12-18T10:09:14","slug":"noi-obstacole-in-obtinerea-unui-credit-prima-casa-in-2018","status":"publish","type":"post","link":"https:\/\/www.imobiliare.ro\/imoexpert\/noi-obstacole-in-obtinerea-unui-credit-prima-casa-in-2018_db\/","title":{"rendered":"Noi obstacole \u00een ob\u021binerea unui credit Prima Cas\u0103 \u00een 2018?"},"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-69e7b36c9645d\" 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-69e7b36c9645d\"  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\/noi-obstacole-in-obtinerea-unui-credit-prima-casa-in-2018_db\/#De_la_1_ianuarie_anul_viitor_vor_intra_in_vigoare_reglementari_suplimentare_in_ceea_ce_priveste_desfasurarea_programului\" >De la 1 ianuarie anul viitor vor intra \u00een vigoare reglement\u0103ri suplimentare \u00een ceea ce prive\u0219te desf\u0103\u0219urarea programului.<\/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\/noi-obstacole-in-obtinerea-unui-credit-prima-casa-in-2018_db\/#Criterii_mai_stricte_de_alocare_a_fondurilor\" >Criterii mai stricte de alocare a fondurilor<\/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\/noi-obstacole-in-obtinerea-unui-credit-prima-casa-in-2018_db\/#Efectul_asupra_clientului_final\" >Efectul asupra clientului final<\/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\/noi-obstacole-in-obtinerea-unui-credit-prima-casa-in-2018_db\/#BNR_Prima_Casa_s-a_indepartat_de_scopul_sau_social\" >BNR: Prima Cas\u0103 s-a \u00eendep\u0103rtat de scopul s\u0103u social<\/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\/noi-obstacole-in-obtinerea-unui-credit-prima-casa-in-2018_db\/#Reducerea_graduala_a_interventiei_statului_in_creditare\" >Reducerea gradual\u0103 a interven\u021biei statului \u00een creditare<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"De_la_1_ianuarie_anul_viitor_vor_intra_in_vigoare_reglementari_suplimentare_in_ceea_ce_priveste_desfasurarea_programului\"><\/span><span style=\"color: #000000;\"><span style=\"font-size: small;\">De la 1 ianuarie anul viitor vor intra \u00een vigoare reglement\u0103ri suplimentare \u00een ceea ce prive\u0219te desf\u0103\u0219urarea programului.<\/span><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\u00cen special datorit\u0103 avansului redus, de minimum 5% din valoarea imobilului, programul Prima Cas\u0103 r\u0103m\u00e2ne, pentru mul\u021bi rom\u00e2ni, cea mai bun\u0103 variant\u0103 de achizi\u021bie a unei case. \u00cen condi\u021biile \u00een care fondurile disponibile pentru anul \u00een curs (un total de aproximativ 2,675 de miliarde de lei) au fost epuizate de luni bune, cei interesa\u021bi de acest program a\u0219teapt\u0103 cu ner\u0103bdare alocarea celor dou\u0103 miliarde de lei promise de c\u0103tre stat pentru anul 2018. La orizont se profileaz\u0103 \u00eens\u0103 noi schimb\u0103ri \u00een desf\u0103\u0219urarea programului guvernamental, ce au poten\u021bialul de a afecta activitatea de tranzac\u021bionare prin intermediul acestuia.<\/p>\n<p><a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2017\/12\/noi-obstacole-in-obtinerea-unui-credit-Prima-Casa-in-2018.jpg\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2017\/12\/noi-obstacole-in-obtinerea-unui-credit-Prima-Casa-in-2018.jpg\" alt=\"noi obstacole in obtinerea unui credit Prima Casa in 2018\" width=\"600\" height=\"400\" class=\"aligncenter size-full wp-image-42087\" srcset=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2017\/12\/noi-obstacole-in-obtinerea-unui-credit-Prima-Casa-in-2018.jpg 600w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2017\/12\/noi-obstacole-in-obtinerea-unui-credit-Prima-Casa-in-2018-300x200.jpg 300w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2017\/12\/noi-obstacole-in-obtinerea-unui-credit-Prima-Casa-in-2018-87x57.jpg 87w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2017\/12\/noi-obstacole-in-obtinerea-unui-credit-Prima-Casa-in-2018-65x43.jpg 65w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2017\/12\/noi-obstacole-in-obtinerea-unui-credit-Prima-Casa-in-2018-154x103.jpg 154w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Criterii_mai_stricte_de_alocare_a_fondurilor\"><\/span><span style=\"color: #000000;\"><span style=\"font-size: small;\">Criterii mai stricte de alocare a fondurilor<\/span><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Este vorba, mai exact, despre aprobarea unei noi proceduri de evaluare anual\u0103 a modului de utilizare a plafoanelor de garantare, ce va fi aplicat\u0103 \u00eencep\u00e2nd cu 1 ianuarie 2018. Elaborat\u0103 de reprezentan\u021bii Ministerului Finan\u021belor Publice (MFP) \u0219i de cei ai Fondului Na\u021bional de Garantare a Creditelor pentru \u00centreprinderile Mici \u0219i Mijlocii (FNGCIMM), aceasta are ca scop \u201eutilizarea mai eficient\u0103 a fondurilor alocate anual pentru Programul Prima Cas\u0103, prin elaborarea unor criterii care vor sta la baza evalu\u0103rii activit\u0103\u0163ii finan\u0163atorilor\u201d.<\/p>\n<div class=\"entry-content-inline-styles\">\n<strong>Criteriile de evaluare anual\u0103 a modului de utilizare a plafoanelor de garantare \u00een cadrul programului Prima Cas\u0103:<\/strong><\/p>\n<p>&#8211; ponderea garan\u021biilor acordate de fiecare finan\u021bator \u00een totalul garan\u021biilor acordate \u00een anul precedent;<br \/>\n&#8211; raportul \u00eentre volumul finan\u021b\u0103rilor garantate acordate \u00een cadrul programului \u0219i volumul creditelor pentru locuin\u021be negarantate de c\u0103tre stat acordate de finan\u021batori persoanelor fizice \u00een anul precedent;<br \/>\n&#8211; raportul \u00eentre num\u0103rul total al garan\u021biilor pl\u0103tite finan\u021batorilor de la \u00eenceputul programului \u0219i p\u00e2n\u0103 la data de 31 decembrie a anului precedent \u0219i num\u0103rul total al garan\u021biilor acordate de la \u00eenceputul programului \u0219i p\u00e2n\u0103 la data de 31 decembrie a anului precedent;<br \/>\n&#8211; raportul dintre num\u0103rul garan\u021biilor\/promisiunilor de garantare acordate de FNGCIMM dup\u0103 ce solicit\u0103rile de acordare au fost invalidate cel pu\u021bin o dat\u0103, \u00eenregistrate de un finan\u021bator participant \u00een program \u00een anul precedent si num\u0103rul total al solicit\u0103rilor de garantare aprobate de FNGCIMM \u00een anul precedent.<\/p>\n<p><strong><em>* Fiec\u0103ruia dintre criteriile de mai sus \u00eei va corespunde un punctaj diferen\u021biat, \u00een func\u021bie de m\u0103rimea rapoartelor aferente criteriilor, iar prin \u00eensumarea punctelor atribuite fiec\u0103rui criteriu se va ob\u021bine punctajul final care va determina procentul de ajustare al plafonului alocat.<\/em><\/strong><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Efectul_asupra_clientului_final\"><\/span><span style=\"color: #000000;\"><span style=\"font-size: small;\">Efectul asupra clientului final<\/span><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Ce impact vor avea, mai exact, aceste noi schimb\u0103ri asupra cump\u0103r\u0103torilor \u0219i, implicit, asupra v\u00e2nz\u0103torilor de locuin\u021be de pe segmentul de pia\u021b\u0103 vizat de Prima Cas\u0103? \u00cen primul r\u00e2nd, dat\u0103 fiind complicarea birocra\u021biei de acordare a fondurilor, este de a\u0219teptat s\u0103 existe \u00eent\u00e2rzieri \u00een procesul de alocare a plafoanelor pentru fiecare banc\u0103 \u00een parte. \u00cen al doilea r\u00e2nd \u0219i mai important dec\u00e2t at\u00e2t este faptul c\u0103, pe fondul noilor reguli mai stricte, este foarte posibil ca anumite institu\u021bii finan\u021batoare s\u0103 primeasc\u0103 mai pu\u021bini bani dec\u00e2t \u00een anii preceden\u021bi (chiar raportat la suma total\u0103 mai mic\u0103 planificat\u0103 pentru 2018). Totodat\u0103, posibilitatea ca statul s\u0103 fac\u0103 supliment\u0103ri ale plafoanelor ce urmeaz\u0103 a fi stabilite se va reduce considerabil.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"BNR_Prima_Casa_s-a_indepartat_de_scopul_sau_social\"><\/span><span style=\"color: #000000;\"><span style=\"font-size: small;\">BNR: Prima Cas\u0103 s-a \u00eendep\u0103rtat de scopul s\u0103u social<\/span><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\u00cen spatele acestor modific\u0103ri se afl\u0103 dorin\u021ba declarat\u0103 a autorit\u0103\u021bilor de a aduce Prima Cas\u0103 mai aproape de menirea sa ini\u021bial\u0103, anume cea de program social. \u00cen cel mai recent raport asupra stabilit\u0103\u021bii financiare a economiei na\u021bionale, reprezentan\u021bii Bancii Na\u021bionale a Rom\u00e2niei (BNR) punctau faptul c\u0103 \u201ePrima Cas\u0103 s-a \u00eendep\u0103rtat de la scopul s\u0103u de program social\u201d. Un prim argument \u00een sprijinul acestei afirma\u021bii este faptul c\u0103 perioada de restr\u00e2ngere a accesului la finan\u021bare ca urmare a crizei economice s-a \u00eencheiat, iar costurile de finan\u021bare se situeaz\u0103 \u00een momentul de fa\u021b\u0103 la un nivel comparabil cu cel al creditelor ipotecare standard ale b\u0103ncilor. \u00cen plus, creditele co-garantate de c\u0103tre stat sunt acordate \u0219i persoanelor cu venit ridicat, dat fiind c\u0103 circa 35% dintre beneficiarii programului av\u00e2nd salarii nete de peste 4.000 de lei; la polul opus, debitorii cu venituri mai reduse tind s\u0103 fie supra\u00eendatora\u021bi. <\/p>\n<p>Nu \u00een ultimul r\u00e2nd, un alt aspect ce \u0219tirbe\u0219te caracterul social al Prima Cas\u0103 este faptul c\u0103 programul nu prevede limite privind valoarea maxim\u0103 a locuin\u021bei achizi\u021bionate sau obligativitatea ca imobilul s\u0103 fie re\u0219edin\u021b\u0103 permanent\u0103. \u201e\u00cen acest sens, consider\u0103m util\u0103 revizuirea condi\u021biilor de accesare a acestui program, \u00een sensul orient\u0103rii c\u0103tre debitorii cu un venit salarial sub un plafon pre-stabilit, care urm\u0103resc s\u0103 \u00ee\u0219i achizi\u021bioneze o locuin\u021b\u0103 pentru locuit, sub o valoare reglementat\u0103 \u0219i \u00een condi\u021biile unui grad de \u00eendatorare sustenabil\u201d, se arat\u0103 \u00een raportul BNR. <\/p>\n<h2><span class=\"ez-toc-section\" id=\"Reducerea_graduala_a_interventiei_statului_in_creditare\"><\/span><span style=\"color: #000000;\"><span style=\"font-size: small;\">Reducerea gradual\u0103 a interven\u021biei statului \u00een creditare<\/span><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\u00cen acest context, oficialii MFP subliniaz\u0103 c\u0103 noua strategie de alocare a plafoanelor se \u00eenscrie pe linia reducerii graduale a interven\u021biei statului prin garantare, presupun\u00e2nd c\u0103 pia\u021ba creditului ipotecar se va dezvolta concomitent cu cre\u0219terea accesibilit\u0103\u021bii popula\u021biei la produsele standard ale b\u0103ncilor. \u201eAsumarea unei propor\u021bii echilibrate \u00eentre creditele contractate \u00een cadrul Programului Prima Cas\u0103 \u015fi cele contractate \u00een condi\u0163iile standard oferite de finan\u0163atori este o parte important\u0103 a unei politici publice de orientare a Programului Prima Cas\u0103 c\u0103tre sus\u021binerea unor obiective sociale bine definite pe termen mediu \u0219i lung\u201d, noteaz\u0103 ace\u0219tia.<\/p>\n<blockquote><p><em>\u201eExist\u0103 o preocupare major\u0103 de optimizare a proceselor de garantare la nivelul FNGCIMM. Pentru Programul Prima Cas\u0103, \u00een paralel cu procesul de eficientizare a fluxului de garantare, se desf\u0103\u0219oar\u0103 procese de recalibrare \u015fi reparametrizare ce pot conduce la o targetare c\u00e2t mai eficient\u0103 din punct de vedere social, pentru a putea beneficia de acest program acei oameni care au o real\u0103 nevoie de locuin\u0163\u0103. Programul evolueaz\u0103 permanent, r\u0103spundem prompt dinamicii pie\u0163ei, astfel \u00eenc\u00e2t s\u0103 aib\u0103 o adresabilitate social\u0103 c\u00e2t mai eficient\u0103 \u015fi s\u0103 genereze beneficii maxime.\u201d<\/em><\/p>\n<p><em><strong>Alexandru Petrescu, directorul general al FNGCIMM<\/strong><\/em><\/p><\/blockquote>\n","protected":false},"excerpt":{"rendered":"<p>De la 1 ianuarie anul viitor vor intra \u00een vigoare reglement\u0103ri suplimentare \u00een ceea ce prive\u0219te desf\u0103\u0219urarea programului. \u00cen special datorit\u0103 avansului redus, de minimum 5% din valoarea imobilului, programul Prima Cas\u0103 r\u0103m\u00e2ne, pentru mul\u021bi rom\u00e2ni, cea mai bun\u0103 variant\u0103 de achizi\u021bie a unei case. \u00cen condi\u021biile \u00een care fondurile disponibile pentru anul \u00een curs [&hellip;]<\/p>\n","protected":false},"author":829,"featured_media":42087,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[263,259],"tags":[1410,1548,1411,451],"content_author":[],"class_list":["post-42084","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credite","category-stiri","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>Noi obstacole \u00een ob\u021binerea unui credit Prima Cas\u0103 \u00een 2018? - Credite, \u0218tiri - ImoExpert<\/title>\n<meta name=\"description\" content=\"De la 1 ianuarie anul viitor vor intra \u00een vigoare reglement\u0103ri suplimentare \u00een ceea ce prive\u0219te desf\u0103\u0219urarea programului. \u00cen special datorit\u0103 avansului\" \/>\n<meta name=\"robots\" content=\"index, follow\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.imobiliare.ro\/imoexpert\/noi-obstacole-in-obtinerea-unui-credit-prima-casa-in-2018_db\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Noi obstacole \u00een ob\u021binerea unui credit Prima Cas\u0103 \u00een 2018?\" \/>\n<meta property=\"og:description\" content=\"De la 1 ianuarie anul viitor vor intra \u00een vigoare reglement\u0103ri suplimentare \u00een ceea ce prive\u0219te desf\u0103\u0219urarea programului. \u00cen special datorit\u0103 avansului\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.imobiliare.ro\/imoexpert\/noi-obstacole-in-obtinerea-unui-credit-prima-casa-in-2018_db\/\" \/>\n<meta property=\"og:site_name\" content=\"ImoExpert\" \/>\n<meta property=\"article:published_time\" content=\"2017-12-18T10:09:14+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2017\/12\/noi-obstacole-in-obtinerea-unui-credit-Prima-Casa-in-2018.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"600\" \/>\n\t<meta property=\"og:image:height\" content=\"400\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Adriana Dr\u0103gu\u0219in\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Adriana Dr\u0103gu\u0219in\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.imobiliare.ro\/imoexpert\/noi-obstacole-in-obtinerea-unui-credit-prima-casa-in-2018_db\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.imobiliare.ro\/imoexpert\/noi-obstacole-in-obtinerea-unui-credit-prima-casa-in-2018_db\/\"},\"author\":{\"name\":\"Adriana Dr\u0103gu\u0219in\",\"@id\":\"https:\/\/www.imobiliare.ro\/imoexpert\/#\/schema\/person\/8c13b0297075010b896471fabf0d7790\"},\"headline\":\"Noi obstacole \u00een ob\u021binerea unui credit Prima Cas\u0103 \u00een 2018?\",\"datePublished\":\"2017-12-18T10:09:14+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.imobiliare.ro\/imoexpert\/noi-obstacole-in-obtinerea-unui-credit-prima-casa-in-2018_db\/\"},\"wordCount\":1061,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.imobiliare.ro\/imoexpert\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.imobiliare.ro\/imoexpert\/noi-obstacole-in-obtinerea-unui-credit-prima-casa-in-2018_db\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2017\/12\/noi-obstacole-in-obtinerea-unui-credit-Prima-Casa-in-2018.jpg\",\"keywords\":[\"newsletter\",\"Prima Cas\u0103\",\"principal\",\"proprietar\"],\"articleSection\":[\"Credite\",\"\u0218tiri\"],\"inLanguage\":\"en\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.imobiliare.ro\/imoexpert\/noi-obstacole-in-obtinerea-unui-credit-prima-casa-in-2018_db\/#respond\"]}],\"copyrightYear\":\"2017\",\"copyrightHolder\":{\"@id\":\"https:\/\/www.imobiliare.ro\/imoexpert\/#organization\"}},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.imobiliare.ro\/imoexpert\/noi-obstacole-in-obtinerea-unui-credit-prima-casa-in-2018_db\/\",\"url\":\"https:\/\/www.imobiliare.ro\/imoexpert\/noi-obstacole-in-obtinerea-unui-credit-prima-casa-in-2018_db\/\",\"name\":\"Noi obstacole \u00een ob\u021binerea unui credit Prima Cas\u0103 \u00een 2018? - Credite, \u0218tiri - ImoExpert\",\"isPartOf\":{\"@id\":\"https:\/\/www.imobiliare.ro\/imoexpert\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.imobiliare.ro\/imoexpert\/noi-obstacole-in-obtinerea-unui-credit-prima-casa-in-2018_db\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.imobiliare.ro\/imoexpert\/noi-obstacole-in-obtinerea-unui-credit-prima-casa-in-2018_db\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2017\/12\/noi-obstacole-in-obtinerea-unui-credit-Prima-Casa-in-2018.jpg\",\"datePublished\":\"2017-12-18T10:09:14+00:00\",\"description\":\"De la 1 ianuarie anul viitor vor intra \u00een vigoare reglement\u0103ri suplimentare \u00een ceea ce prive\u0219te desf\u0103\u0219urarea programului. \u00cen special datorit\u0103 avansului\",\"breadcrumb\":{\"@id\":\"https:\/\/www.imobiliare.ro\/imoexpert\/noi-obstacole-in-obtinerea-unui-credit-prima-casa-in-2018_db\/#breadcrumb\"},\"inLanguage\":\"en\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.imobiliare.ro\/imoexpert\/noi-obstacole-in-obtinerea-unui-credit-prima-casa-in-2018_db\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en\",\"@id\":\"https:\/\/www.imobiliare.ro\/imoexpert\/noi-obstacole-in-obtinerea-unui-credit-prima-casa-in-2018_db\/#primaryimage\",\"url\":\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2017\/12\/noi-obstacole-in-obtinerea-unui-credit-Prima-Casa-in-2018.jpg\",\"contentUrl\":\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2017\/12\/noi-obstacole-in-obtinerea-unui-credit-Prima-Casa-in-2018.jpg\",\"width\":600,\"height\":400,\"caption\":\"noi obstacole in obtinerea unui credit Prima Casa in 2018\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.imobiliare.ro\/imoexpert\/noi-obstacole-in-obtinerea-unui-credit-prima-casa-in-2018_db\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Imoradar24\",\"item\":\"https:\/\/www.imoradar24.ro\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"ImoExpert\",\"item\":\"https:\/\/www.imobiliare.ro\/imoexpert\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Sfaturi\",\"item\":\"https:\/\/www.imobiliare.ro\/imoexpert\/ghid-imobiliar\/\"},{\"@type\":\"ListItem\",\"position\":4,\"name\":\"Credite\",\"item\":\"https:\/\/www.imobiliare.ro\/imoexpert\/ghid-imobiliar\/credite\/\"},{\"@type\":\"ListItem\",\"position\":5,\"name\":\"Noi obstacole \u00een ob\u021binerea unui credit Prima Cas\u0103 \u00een 2018?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.imobiliare.ro\/imoexpert\/#website\",\"url\":\"https:\/\/www.imobiliare.ro\/imoexpert\/\",\"name\":\"ImoExpert\",\"description\":\"cele mai importante \u015ftiri din domeniul imobiliar\",\"publisher\":{\"@id\":\"https:\/\/www.imobiliare.ro\/imoexpert\/#organization\"},\"inLanguage\":\"en\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.imobiliare.ro\/imoexpert\/#organization\",\"name\":\"Imobiliare.ro\",\"alternateName\":\"Realmedia Network SA\",\"url\":\"https:\/\/www.imobiliare.ro\/imoexpert\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en\",\"@id\":\"https:\/\/www.imobiliare.ro\/imoexpert\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2025\/05\/imobiliare_logo.png\",\"contentUrl\":\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2025\/05\/imobiliare_logo.png\",\"width\":237,\"height\":29,\"caption\":\"Imobiliare.ro\"},\"image\":{\"@id\":\"https:\/\/www.imobiliare.ro\/imoexpert\/#\/schema\/logo\/image\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.imobiliare.ro\/imoexpert\/#\/schema\/person\/8c13b0297075010b896471fabf0d7790\",\"name\":\"Adriana Dr\u0103gu\u0219in\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en\",\"@id\":\"https:\/\/www.imobiliare.ro\/imoexpert\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/ba4762f7517e50e679ed7f11207102d1150120f2f5800c0da98f8a15305bf514?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/ba4762f7517e50e679ed7f11207102d1150120f2f5800c0da98f8a15305bf514?s=96&d=mm&r=g\",\"caption\":\"Adriana Dr\u0103gu\u0219in\"},\"jobTitle\":\"Editor\",\"url\":\"https:\/\/www.imobiliare.ro\/imoexpert\/author\/adriana-dragusin\/\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Noi obstacole \u00een ob\u021binerea unui credit Prima Cas\u0103 \u00een 2018? - Credite, \u0218tiri - ImoExpert","description":"De la 1 ianuarie anul viitor vor intra \u00een vigoare reglement\u0103ri suplimentare \u00een ceea ce prive\u0219te desf\u0103\u0219urarea programului. \u00cen special datorit\u0103 avansului","robots":{"index":"index","follow":"follow"},"canonical":"https:\/\/www.imobiliare.ro\/imoexpert\/noi-obstacole-in-obtinerea-unui-credit-prima-casa-in-2018_db\/","og_locale":"ro_RO","og_type":"article","og_title":"Noi obstacole \u00een ob\u021binerea unui credit Prima Cas\u0103 \u00een 2018?","og_description":"De la 1 ianuarie anul viitor vor intra \u00een vigoare reglement\u0103ri suplimentare \u00een ceea ce prive\u0219te desf\u0103\u0219urarea programului. \u00cen special datorit\u0103 avansului","og_url":"https:\/\/www.imobiliare.ro\/imoexpert\/noi-obstacole-in-obtinerea-unui-credit-prima-casa-in-2018_db\/","og_site_name":"ImoExpert","article_published_time":"2017-12-18T10:09:14+00:00","og_image":[{"width":600,"height":400,"url":"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2017\/12\/noi-obstacole-in-obtinerea-unui-credit-Prima-Casa-in-2018.jpg","type":"image\/jpeg"}],"author":"Adriana Dr\u0103gu\u0219in","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Adriana Dr\u0103gu\u0219in","Est. reading time":"5 minute"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.imobiliare.ro\/imoexpert\/noi-obstacole-in-obtinerea-unui-credit-prima-casa-in-2018_db\/#article","isPartOf":{"@id":"https:\/\/www.imobiliare.ro\/imoexpert\/noi-obstacole-in-obtinerea-unui-credit-prima-casa-in-2018_db\/"},"author":{"name":"Adriana Dr\u0103gu\u0219in","@id":"https:\/\/www.imobiliare.ro\/imoexpert\/#\/schema\/person\/8c13b0297075010b896471fabf0d7790"},"headline":"Noi obstacole \u00een ob\u021binerea unui credit Prima Cas\u0103 \u00een 2018?","datePublished":"2017-12-18T10:09:14+00:00","mainEntityOfPage":{"@id":"https:\/\/www.imobiliare.ro\/imoexpert\/noi-obstacole-in-obtinerea-unui-credit-prima-casa-in-2018_db\/"},"wordCount":1061,"commentCount":0,"publisher":{"@id":"https:\/\/www.imobiliare.ro\/imoexpert\/#organization"},"image":{"@id":"https:\/\/www.imobiliare.ro\/imoexpert\/noi-obstacole-in-obtinerea-unui-credit-prima-casa-in-2018_db\/#primaryimage"},"thumbnailUrl":"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2017\/12\/noi-obstacole-in-obtinerea-unui-credit-Prima-Casa-in-2018.jpg","keywords":["newsletter","Prima Cas\u0103","principal","proprietar"],"articleSection":["Credite","\u0218tiri"],"inLanguage":"en","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www.imobiliare.ro\/imoexpert\/noi-obstacole-in-obtinerea-unui-credit-prima-casa-in-2018_db\/#respond"]}],"copyrightYear":"2017","copyrightHolder":{"@id":"https:\/\/www.imobiliare.ro\/imoexpert\/#organization"}},{"@type":"WebPage","@id":"https:\/\/www.imobiliare.ro\/imoexpert\/noi-obstacole-in-obtinerea-unui-credit-prima-casa-in-2018_db\/","url":"https:\/\/www.imobiliare.ro\/imoexpert\/noi-obstacole-in-obtinerea-unui-credit-prima-casa-in-2018_db\/","name":"Noi obstacole \u00een ob\u021binerea unui credit Prima Cas\u0103 \u00een 2018? - Credite, \u0218tiri - ImoExpert","isPartOf":{"@id":"https:\/\/www.imobiliare.ro\/imoexpert\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.imobiliare.ro\/imoexpert\/noi-obstacole-in-obtinerea-unui-credit-prima-casa-in-2018_db\/#primaryimage"},"image":{"@id":"https:\/\/www.imobiliare.ro\/imoexpert\/noi-obstacole-in-obtinerea-unui-credit-prima-casa-in-2018_db\/#primaryimage"},"thumbnailUrl":"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2017\/12\/noi-obstacole-in-obtinerea-unui-credit-Prima-Casa-in-2018.jpg","datePublished":"2017-12-18T10:09:14+00:00","description":"De la 1 ianuarie anul viitor vor intra \u00een vigoare reglement\u0103ri suplimentare \u00een ceea ce prive\u0219te desf\u0103\u0219urarea programului. \u00cen special datorit\u0103 avansului","breadcrumb":{"@id":"https:\/\/www.imobiliare.ro\/imoexpert\/noi-obstacole-in-obtinerea-unui-credit-prima-casa-in-2018_db\/#breadcrumb"},"inLanguage":"en","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.imobiliare.ro\/imoexpert\/noi-obstacole-in-obtinerea-unui-credit-prima-casa-in-2018_db\/"]}]},{"@type":"ImageObject","inLanguage":"en","@id":"https:\/\/www.imobiliare.ro\/imoexpert\/noi-obstacole-in-obtinerea-unui-credit-prima-casa-in-2018_db\/#primaryimage","url":"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2017\/12\/noi-obstacole-in-obtinerea-unui-credit-Prima-Casa-in-2018.jpg","contentUrl":"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2017\/12\/noi-obstacole-in-obtinerea-unui-credit-Prima-Casa-in-2018.jpg","width":600,"height":400,"caption":"noi obstacole in obtinerea unui credit Prima Casa in 2018"},{"@type":"BreadcrumbList","@id":"https:\/\/www.imobiliare.ro\/imoexpert\/noi-obstacole-in-obtinerea-unui-credit-prima-casa-in-2018_db\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Imoradar24","item":"https:\/\/www.imoradar24.ro"},{"@type":"ListItem","position":2,"name":"ImoExpert","item":"https:\/\/www.imobiliare.ro\/imoexpert\/"},{"@type":"ListItem","position":3,"name":"Sfaturi","item":"https:\/\/www.imobiliare.ro\/imoexpert\/ghid-imobiliar\/"},{"@type":"ListItem","position":4,"name":"Credite","item":"https:\/\/www.imobiliare.ro\/imoexpert\/ghid-imobiliar\/credite\/"},{"@type":"ListItem","position":5,"name":"Noi obstacole \u00een ob\u021binerea unui credit Prima Cas\u0103 \u00een 2018?"}]},{"@type":"WebSite","@id":"https:\/\/www.imobiliare.ro\/imoexpert\/#website","url":"https:\/\/www.imobiliare.ro\/imoexpert\/","name":"ImoExpert","description":"cele mai importante \u015ftiri din domeniul imobiliar","publisher":{"@id":"https:\/\/www.imobiliare.ro\/imoexpert\/#organization"},"inLanguage":"en"},{"@type":"Organization","@id":"https:\/\/www.imobiliare.ro\/imoexpert\/#organization","name":"Imobiliare.ro","alternateName":"Realmedia Network SA","url":"https:\/\/www.imobiliare.ro\/imoexpert\/","logo":{"@type":"ImageObject","inLanguage":"en","@id":"https:\/\/www.imobiliare.ro\/imoexpert\/#\/schema\/logo\/image\/","url":"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2025\/05\/imobiliare_logo.png","contentUrl":"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2025\/05\/imobiliare_logo.png","width":237,"height":29,"caption":"Imobiliare.ro"},"image":{"@id":"https:\/\/www.imobiliare.ro\/imoexpert\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/www.imobiliare.ro\/imoexpert\/#\/schema\/person\/8c13b0297075010b896471fabf0d7790","name":"Adriana Dr\u0103gu\u0219in","image":{"@type":"ImageObject","inLanguage":"en","@id":"https:\/\/www.imobiliare.ro\/imoexpert\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/ba4762f7517e50e679ed7f11207102d1150120f2f5800c0da98f8a15305bf514?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/ba4762f7517e50e679ed7f11207102d1150120f2f5800c0da98f8a15305bf514?s=96&d=mm&r=g","caption":"Adriana Dr\u0103gu\u0219in"},"jobTitle":"Editor","url":"https:\/\/www.imobiliare.ro\/imoexpert\/author\/adriana-dragusin\/"}]}},"_links":{"self":[{"href":"https:\/\/www.imobiliare.ro\/imoexpert\/wp-json\/wp\/v2\/posts\/42084","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.imobiliare.ro\/imoexpert\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.imobiliare.ro\/imoexpert\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.imobiliare.ro\/imoexpert\/wp-json\/wp\/v2\/users\/829"}],"replies":[{"embeddable":true,"href":"https:\/\/www.imobiliare.ro\/imoexpert\/wp-json\/wp\/v2\/comments?post=42084"}],"version-history":[{"count":0,"href":"https:\/\/www.imobiliare.ro\/imoexpert\/wp-json\/wp\/v2\/posts\/42084\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.imobiliare.ro\/imoexpert\/wp-json\/wp\/v2\/media\/42087"}],"wp:attachment":[{"href":"https:\/\/www.imobiliare.ro\/imoexpert\/wp-json\/wp\/v2\/media?parent=42084"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.imobiliare.ro\/imoexpert\/wp-json\/wp\/v2\/categories?post=42084"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.imobiliare.ro\/imoexpert\/wp-json\/wp\/v2\/tags?post=42084"},{"taxonomy":"content_author","embeddable":true,"href":"https:\/\/www.imobiliare.ro\/imoexpert\/wp-json\/wp\/v2\/content_author?post=42084"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}