{"id":42353,"date":"2018-02-24T09:26:46","date_gmt":"2018-02-24T07:26:46","guid":{"rendered":"https:\/\/www.imobiliare.ro\/?p=42353"},"modified":"2018-02-24T09:26:46","modified_gmt":"2018-02-24T07:26:46","slug":"start-pentru-prima-casa-in-2018-mai-putini-bani-decat-in-2017-cu-sanse-minime-de-suplimentare","status":"publish","type":"post","link":"https:\/\/www.imobiliare.ro\/imoexpert\/start-pentru-prima-casa-in-2018-mai-putini-bani-decat-in-2017-cu-sanse-minime-de-suplimentare_db\/","title":{"rendered":"Start pentru Prima Cas\u0103 \u00een 2018: mai pu\u021bini bani dec\u00e2t \u00een 2017, cu \u0219anse minime de suplimentare"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 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-6a04b9e834377\" 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-6a04b9e834377\"  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\/start-pentru-prima-casa-in-2018-mai-putini-bani-decat-in-2017-cu-sanse-minime-de-suplimentare_db\/#Dupa_cateva_luni_bune_de_asteptare_cei_interesati_de_contractarea_unui_credit_co-garantat_de_catre_stat_primesc_%E2%80%9Eunda_verde%E2%80%9D_pentru_obtinerea_finantarii\" >Dup\u0103 c\u00e2teva luni bune de a\u0219teptare, cei interesa\u021bi de contractarea unui credit co-garantat de c\u0103tre stat primesc \u201eund\u0103 verde\u201d pentru ob\u021binerea finan\u021b\u0103rii.<\/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\/start-pentru-prima-casa-in-2018-mai-putini-bani-decat-in-2017-cu-sanse-minime-de-suplimentare_db\/#Obiectiv_diminuarea_interventiei_statului_in_piata\" >Obiectiv: diminuarea interven\u021biei statului \u00een pia\u021b\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\/start-pentru-prima-casa-in-2018-mai-putini-bani-decat-in-2017-cu-sanse-minime-de-suplimentare_db\/#15_banci_participante_la_program\" >15 b\u0103nci participante la program<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Dupa_cateva_luni_bune_de_asteptare_cei_interesati_de_contractarea_unui_credit_co-garantat_de_catre_stat_primesc_%E2%80%9Eunda_verde%E2%80%9D_pentru_obtinerea_finantarii\"><\/span><span style=\"color: #000000;\"><span style=\"font-size: small;\">Dup\u0103 c\u00e2teva luni bune de a\u0219teptare, cei interesa\u021bi de contractarea unui credit co-garantat de c\u0103tre stat primesc \u201eund\u0103 verde\u201d pentru ob\u021binerea finan\u021b\u0103rii.<\/span><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Din cauza lipsei de fonduri, programul Prima Cas\u0103 a fost, practic, blocat \u00een ultimul trimestru (poate \u0219i mai bine) al anului trecut. De\u0219i unii cump\u0103r\u0103tori s-au orientat spre solu\u021bii de finan\u021bare alternative, mul\u021bi nu au avut de ales \u0219i s-au v\u0103zut nevoi\u021bi s\u0103 a\u0219tepte reluarea programului \u00een 2018. Dup\u0103 implementarea, de la 1 ianuarie, a unor <strong><a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/articole\/noi-obstacole-in-obtinerea-unui-credit-prima-casa-in-2018_db\/\">modific\u0103ri \u00een ceea ce prive\u0219te alocarea plafoanelor de garantare<\/a><\/strong> c\u0103tre institu\u021biile finan\u021batoare, reprezentan\u021bii statului au anun\u021bat, la sf\u00e2r\u0219itul s\u0103pt\u0103m\u00e2nii trecute, (re)lansarea credit\u0103rii prin Prima Cas\u0103.<\/p>\n<p><a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2018\/02\/start-pentru-Prima-Casa-in-2018.jpg\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2018\/02\/start-pentru-Prima-Casa-in-2018.jpg\" alt=\"start pentru Prima Casa in 2018\" width=\"600\" height=\"400\" class=\"aligncenter size-full wp-image-42355\" srcset=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2018\/02\/start-pentru-Prima-Casa-in-2018.jpg 600w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2018\/02\/start-pentru-Prima-Casa-in-2018-300x200.jpg 300w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2018\/02\/start-pentru-Prima-Casa-in-2018-87x57.jpg 87w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2018\/02\/start-pentru-Prima-Casa-in-2018-65x43.jpg 65w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2018\/02\/start-pentru-Prima-Casa-in-2018-154x103.jpg 154w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><\/a><\/p>\n<p>Anun\u021bul a fost f\u0103cut de c\u0103tre reprezentan\u021bii Fondului Na\u021bional de Garantare a Creditelor pentru IMM-uri (FNGCIMM) dup\u0103 ce ace\u0219tia au primit, din partea Ministerului Finan\u021belor Publice, acordul de distribuire pentru cele dou\u0103 miliarde de lei aprobate pentru 2018. De men\u021bionat este c\u0103 fondurile disponibile pentru 2018 se situeaz\u0103 semnificativ sub nivelul de anul trecut, c\u00e2nd cei interesa\u021bi au avut la dispozi\u021bie un total de 2,675 miliarde de lei (sum\u0103 ce a inclus \u0219i o diferen\u021b\u0103 r\u0103mas\u0103 neutilizat\u0103 din 2016). Pe fondul cererii ridicate din partea consumatorilor, chiar \u0219i aceast\u0103 sum\u0103 s-a dovedit, \u00eens\u0103, insuficient\u0103, ea fiind epuizat\u0103 (cu mult) \u00eenainte de sf\u00e2r\u0219itul lui 2017 \u2013 fapt ce s-a resim\u021bit la nivelul activit\u0103\u021bii de tranzac\u021bionare, cel pu\u021bin \u00een marile ora\u0219e ale \u021b\u0103rii, precum Bucure\u0219tiul \u0219i Cluj-Napoca. <\/p>\n<h2><span class=\"ez-toc-section\" id=\"Obiectiv_diminuarea_interventiei_statului_in_piata\"><\/span><span style=\"color: #000000;\"><span style=\"font-size: small;\">Obiectiv: diminuarea interven\u021biei statului \u00een pia\u021b\u0103<\/span><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Spre deosebire de al\u021bi ani, statul nu a mai acordat supliment\u0103ri, ci a respectat cu stricte\u021be strategia agreat\u0103 la finele lui 2016, av\u00e2nd ca scop reducerea credit\u0103rii prin Prima Cas\u0103. Dup\u0103 cele 2,5 miliarde de lei alocate pentru 2017, finan\u021batorii urmeaz\u0103 s\u0103 beneficieze, potrivit planului, de un plafon de dou\u0103 miliarde de lei \u00een 2018, 2019 \u0219i 2020, apoi de 1,5 miliarde de lei \u00een 2021. Oficialii Executivului sunt de p\u0103rere c\u0103 aceast\u0103 <strong><a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/articole\/intarcarea-tranzactiilor-cu-locuinte-de-la-prima-casa_db\/\">reducere gradual\u0103 a fondurilor<\/a><\/strong> va facilita diminuarea interven\u021biei statului \u00een pia\u021b\u0103, \u00een condi\u021biile \u00eembun\u0103t\u0103\u021birii accesului popula\u021biei la ofertele de creditare standard ale b\u0103ncilor. Astfel, potrivit lui Alexandru Petrescu, directorul general al FNGCIMM, programul guvernamental este menit s\u0103 devin\u0103 \u201eo oportunitate de finan\u021bare a unei locuin\u021be pentru beneficiarii cu op\u021biuni limitate \u00een pia\u021ba creditelor ipotecare, o alternativ\u0103 flexibil\u0103 la produsele de creditare ipotecar\u0103 aflate \u00een portofoliile b\u0103ncilor finan\u021batoare\u201d.<\/p>\n<blockquote><p><em>\u201eDe-a lungul celor zece ani de derulare, programul Prima Cas\u0103 a fost adaptat gradual la tendin\u021bele pie\u021bei \u0219i la nevoile consumatorilor, dovedindu-se astfel unul dintre cele mai de succes programe guvernamentale. Dintr-o perspectiv\u0103 social\u0103, programul Prima Cas\u0103 a extins accesul la creditul ipotecar c\u0103tre segmentul persoanelor tinere, cu v\u00e2rste p\u00e2n\u0103 \u00een 35 de ani, cu efect direct \u00een crearea unei premize de stabilitate pentru t\u00e2n\u0103ra genera\u021bie. Pentru a veni \u00een \u00eent\u00e2mpinarea beneficiarilor, FNGCIMM a demarat, \u00een cursul anului trecut, implementarea unor proiecte destinate simplific\u0103rii procesului de analiz\u0103 \u0219i facilit\u0103rii accesului la informa\u021bii direct din site-ul institu\u021biei.\u201d<\/p>\n<p><strong>Alexandru Petrescu, director general FNGCIMM<\/strong><\/em><\/p><\/blockquote>\n<h2><span class=\"ez-toc-section\" id=\"15_banci_participante_la_program\"><\/span><span style=\"color: #000000;\"><span style=\"font-size: small;\">15 b\u0103nci participante la program<\/span><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\u00cen 2018, la programul Prima Cas\u0103 vor participa 15 b\u0103nci: Bancpost, Banca Comercial\u0103 Rom\u00e2n\u0103 (BCR), BRD \u2013 Groupe Societe Generale, CEC Bank, Credit Agricole Bank Romania, Garanti Bank, ING Bank, Leumi Bank Romania, Marfin Bank, OTP Bank Romania, Piraeus Bank, Raifeissen Bank, Banca Rom\u00e2neasc\u0103, Banca Transilvania \u0219i Unicredit Bank. \u201eNoua strategie de alocare a plafoanelor se aliniaz\u0103 cu reducerea gradual\u0103 a interven\u021biei statului \u00een procesul de creditare ipotecar\u0103 prin garantare, anun\u021bat\u0103 prin Strategia Programului Prima Cas\u0103 2017-2020.\u201d, puncteaz\u0103 reprezentan\u021bii FNGCIMM.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Dup\u0103 c\u00e2teva luni bune de a\u0219teptare, cei interesa\u021bi de contractarea unui credit co-garantat de c\u0103tre stat primesc \u201eund\u0103 verde\u201d pentru ob\u021binerea finan\u021b\u0103rii. Din cauza lipsei de fonduri, programul Prima Cas\u0103 a fost, practic, blocat \u00een ultimul trimestru (poate \u0219i mai bine) al anului trecut. De\u0219i unii cump\u0103r\u0103tori s-au orientat spre solu\u021bii de finan\u021bare alternative, mul\u021bi [&hellip;]<\/p>\n","protected":false},"author":829,"featured_media":42355,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[259],"tags":[1410,1548,1411,451],"content_author":[],"class_list":{"0":"post-42353","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-stiri","8":"tag-newsletter","9":"tag-prima-casa","10":"tag-principal","11":"tag-proprietar"},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.5 (Yoast SEO v27.5) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Start pentru Prima Cas\u0103 \u00een 2018: mai pu\u021bini bani dec\u00e2t \u00een 2017, cu \u0219anse minime de suplimentare - \u0218tiri - ImoExpert<\/title>\n<meta name=\"description\" content=\"Dup\u0103 c\u00e2teva 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