{"id":4495,"date":"2010-05-14T16:54:10","date_gmt":"2010-05-14T13:54:10","guid":{"rendered":"https:\/\/www.imobiliare.ro\/imoexpert\/?p=4495"},"modified":"2010-05-14T16:54:10","modified_gmt":"2010-05-14T13:54:10","slug":"ce-sa-faci-cand-nu-ti-mai-poti-plati-rata-la-casa","status":"publish","type":"post","link":"https:\/\/www.imobiliare.ro\/imoexpert\/ce-sa-faci-cand-nu-ti-mai-poti-plati-rata-la-casa_db\/","title":{"rendered":"Ce s\u0103 faci c\u00e2nd nu-\u0163i mai po\u0163i pl\u0103ti rata la cas\u0103"},"content":{"rendered":"<p><a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2010\/05\/casa-parasita.jpg\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2010\/05\/casa-parasita-300x253.jpg\" alt=\"\" width=\"300\" height=\"253\" class=\"alignleft size-medium wp-image-4497\" srcset=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2010\/05\/casa-parasita-300x253.jpg 300w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2010\/05\/casa-parasita.jpg 480w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/a><strong>O perioad\u0103 de gra\u0163ie de trei p\u00e2n\u0103 la \u015fase luni este o practic\u0103 obi\u015fnuit\u0103 at\u00e2t pentru b\u0103nci, c\u00e2t \u015fi pentru dezvoltatori <\/strong><\/p>\n<p>\u0162i-ai pierdut jobul sau veniturile tale au \u00eenregistrat o sc\u0103dere drastic\u0103. Consta\u0163i c\u0103, \u00een ciuda tuturor eforturilor, rata la cas\u0103 este o cheltuial\u0103 pe care nu o mai po\u0163i suporta. \u00cen cazul \u00een care ai contractat un credit ipotecar, situa\u0163ia este ceva mai spinoas\u0103. C\u00e2teva solu\u0163ii exist\u0103 totu\u015fi. Primul pas este s\u0103 contactezi banca care \u0163i-a acordat \u00eemprumutul, s\u0103 discu\u0163i cu ofi\u0163erul de credit \u015fi \u00eempreun\u0103 s\u0103 g\u0103si\u0163i o solu\u0163ie. \u201eTeoretic, dat fiind contextul crizei, multe b\u0103nci ofer\u0103 posibilitatea de am\u00e2nare sau ree\u015falonare\u201d, subliniaz\u0103 Alexandra Sare-Alb\u0103, analist financiar \u00een cadrul FinZoom.ro. \u00cen primul caz, o perioad\u0103 de gra\u0163ie de trei luni, \u00een care banca scute\u015fte cump\u0103r\u0103torul de la plata ratelor, este o practic\u0103 obi\u015fnuit\u0103. \u00cen anumite situa\u0163ii, se poate ajunge la o am\u00e2nare de p\u00e2n\u0103 la \u015fase luni. C\u00e2t despre varianta ree\u015falon\u0103rii, clientul are posibilitatea s\u0103 m\u0103reasc\u0103 perioada de rambursare a \u00eemprumutului, astfel \u00eenc\u00e2t ratele lunare pe care le mai are de pl\u0103tit s\u0103 fie mai mici. Mai exist\u0103, desigur, \u015fi varianta refinan\u0163\u0103rii. Apel\u00e2nd la aceasta, po\u0163i ob\u0163ine un \u00eemprumut cu rate \u015fi dob\u00e2nzi mai mici, pe o perioad\u0103 mai lung\u0103, astfel \u00eenc\u00e2t s\u0103 po\u0163i achita creditul contractat ini\u0163ial.<\/p>\n<p>\u00cen cazul \u00een care am\u00e2narea, ree\u015falonarea sau refinan\u0163area nu \u00ee\u0163i sunt de mare ajutor \u00een noua ta situa\u0163ie financiar\u0103, executarea silit\u0103 este o amenin\u0163are c\u00e2t se poate de serioas\u0103. Pentru a evita o asemenea situa\u0163ie, mai exist\u0103 \u00eens\u0103 o solu\u0163ie, spune reprezentanta FinZoom.ro. Astfel, po\u0163i s\u0103 cedezi contractul de credit \u00eempreun\u0103 cu locuin\u0163a unui alt cump\u0103r\u0103tor, dup\u0103 ce ob\u0163ii acordul b\u0103ncii creditoare. \u00cen aceast\u0103 situa\u0163ie, ai avantajul de a recupera m\u0103car o parte din banii pe care i-ai pl\u0103tit p\u00e2n\u0103 \u00een prezent.<\/p>\n<p><strong>Developerii, mai flexibili dec\u00e2t b\u0103ncile<\/strong><br \/>\nCeva mai altfel stau lucrurile dac\u0103 pentru contractarea locuin\u0163ei ai apelat nu la o banc\u0103, ci la o modalitate de finan\u0163are popular\u0103 \u00een ultima vreme \u2013 ratele la dezvoltator. \u201e\u00cen momentul \u00een care clientul nu mai poate pl\u0103ti rata, situa\u0163ia e similar\u0103 cu cea de la banc\u0103. Practic, se poate trece la executare silit\u0103\u201d, subliniaz\u0103 Cristina Stoica, consilier \u00een cadrul Premium Imobiliare. Aceasta recunoa\u015fte \u00eens\u0103 c\u0103, \u00een acest caz, lucrurile depind foarte mult \u015fi de dezvoltator, de c\u00e2t de flexibil se arat\u0103 acesta. Foarte important este ce scrie \u00een antecontractul de v\u00e2nzare-cump\u0103rare, ce perioad\u0103 de gra\u0163ie se acord\u0103 etc.. Pentru a evita executarea silit\u0103, exist\u0103, ca \u015fi la banc\u0103, posibilitatea de a ceda contractul de credit, \u00eempreun\u0103 cu imobilul, unui alt cump\u0103r\u0103tor.<\/p>\n<p>Dac\u0103 te numeri printre cei care \u00ee\u015fi pl\u0103tesc ratele direct la dezvoltator \u015fi nu la banc\u0103, s-ar putea totu\u015fi s\u0103 ai ceva mai mult noroc. Asta pentru c\u0103 po\u0163i beneficia de o plaj\u0103 mult mai larg\u0103 pentru negocieri. Un exemplu util \u00een acest sens este ansamblul reziden\u0163ial Family Residencia. Acesta este situat \u00een zona Prelungirea Ghencea \u015fi cuprinde 50 de unit\u0103\u0163i locative (de la garsoniere la apartamente cu trei camere), situate \u00een cinci vile de tip duplex. Un apartament cu dou\u0103 camere \u015fi o suprafa\u0163\u0103 de 58 de metri p\u0103tra\u0163i cost\u0103 45.000 de euro (TVA inclus), iar o garsonier\u0103 de 39 de metri p\u0103tra\u0163i ajunge la 25.000 de euro. Principala modalitate de plat\u0103 este reprezentat\u0103 de ratele la dezvoltator \u015fi plata cu banii jos, f\u0103r\u0103 a se accepta credite prin Prima Cas\u0103.<\/p>\n<p>C\u0103t\u0103lin \u015etefan, directorul tehnic al Family Residencia, ilustreaz\u0103 c\u00e2teva solu\u0163ii la care ar putea apela un cump\u0103r\u0103tor aflat \u00een imposibilitatea de a achita ratele. \u201eO prim\u0103 variant\u0103 ar fi prelungirea perioadei de plat\u0103, pentru a acoperi acele luni \u00een care clientul nu mai poate pl\u0103ti\u201d, subliniaz\u0103 acesta. O perioad\u0103 de gra\u0163ie de trei luni este inclus\u0103 din start \u00een antecontract. Aceasta poate fi extins\u0103 \u00een func\u0163ie de situa\u0163ie, dup\u0103 o discu\u0163ie \u015fi negociere deschis\u0103 cu dezvoltatorul. \u201eSe discut\u0103 cu fiecare client \u00een parte. \u00cen cele mai multe cazuri, nu se pl\u0103tesc penalit\u0103\u0163i. \u00cen cazul \u00een care este o perioad\u0103 mai lung\u0103, de peste 6-9 luni, sunt anumite costuri care ar putea fi suportate de c\u0103tre client. Pe c\u00e2t posibil \u00eens\u0103, \u00eencerc\u0103m s\u0103 nu ne \u00eempov\u0103r\u0103m \u015fi mai mult clien\u0163ii, pentru c\u0103 bugetele sunt \u015fi a\u015fa mici\u201d, completeaz\u0103 \u015etefan.<\/p>\n<p><strong>Schimb de apartamente sau am\u00e2narea pred\u0103rii<\/strong><br \/>\n\u00cen afar\u0103 de o am\u00e2nare de plat\u0103, clientul poate opta \u015fi pentru un schimb cu un apartament mai mic, la care rata lunar\u0103 ar fi mai redus\u0103. Spre exemplu, dac\u0103 cump\u0103r\u0103torul a pl\u0103tit un avans pentru o locuin\u0163\u0103 cu dou\u0103 camere, developerul \u00eei poate oferi \u00een schimb o garsonier\u0103, din pre\u0163ul c\u0103reia va sc\u0103dea suma pl\u0103tit\u0103 p\u00e2n\u0103 \u00een momentul respectiv. O alt\u0103 posibilitate, valabil\u0103 \u00een cazul \u00een care apartamentul se afl\u0103 \u00een faza de amenajare, const\u0103 \u00een am\u00e2narea pred\u0103rii acestuia p\u00e2n\u0103 \u00een momentul \u00een care  respectivul client \u00ee\u015fi rezolv\u0103 problemele financiare, avansul pl\u0103tit consider\u00e2ndu-se practic o rezervare.<\/p>\n<p>C\u0103t\u0103lin \u015etefan precizeaz\u0103 c\u0103 numai \u00een cazul \u00een care un cump\u0103r\u0103tor se r\u0103zg\u00e2nde\u015fte \u015fi nu mai vrea s\u0103 cumpere poate pierde banii de avans. \u00cens\u0103, dac\u0103 vrea \u00een continuare s\u0103 fac\u0103 achizi\u0163ia, doar c\u0103 are anumite dificult\u0103\u0163i financiare, developerul va face tot posibilul s\u0103-l ajute s\u0103 g\u0103seasc\u0103 o solu\u0163ie. C\u0103t\u0103lin \u015etefan explic\u0103 aceast\u0103 flexibilitate  prin faptul c\u0103 g\u0103sirea cump\u0103r\u0103torilor este \u015fi-a\u015fa un proces destul de dificil \u00een aceast\u0103 perioad\u0103 \u2013 iar, atunci c\u00e2nd \u00eei g\u0103se\u015fte, orice dezvoltator va face tot posibilul s\u0103-i p\u0103streze.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>O perioad\u0103 de gra\u0163ie de trei p\u00e2n\u0103 la \u015fase luni este o practic\u0103 obi\u015fnuit\u0103 at\u00e2t pentru b\u0103nci, c\u00e2t \u015fi pentru dezvoltatori \u0162i-ai pierdut jobul sau veniturile tale au \u00eenregistrat o sc\u0103dere drastic\u0103. Consta\u0163i c\u0103, \u00een ciuda tuturor eforturilor, rata la cas\u0103 este o cheltuial\u0103 pe care nu o mai po\u0163i suporta. \u00cen cazul \u00een care [&hellip;]<\/p>\n","protected":false},"author":829,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[263,259],"tags":[306],"content_author":[],"class_list":["post-4495","post","type-post","status-publish","format-standard","hentry","category-credite","category-stiri","tag-articole"],"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>Ce s\u0103 faci c\u00e2nd nu-\u0163i mai po\u0163i pl\u0103ti rata la cas\u0103 - Credite, \u0218tiri - ImoExpert<\/title>\n<meta name=\"description\" content=\"O perioad\u0103 de gra\u0163ie de trei p\u00e2n\u0103 la \u015fase luni este o practic\u0103 obi\u015fnuit\u0103 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