{"id":53296,"date":"2018-07-02T15:08:05","date_gmt":"2018-07-02T12:08:05","guid":{"rendered":"https:\/\/www.imobiliare.ro\/imoexpert\/?p=53296"},"modified":"2018-07-02T15:08:05","modified_gmt":"2018-07-02T12:08:05","slug":"vrei-sa-iei-un-credit-pentru-casa-ce-cheltuieli-aditionale-te-asteapta","status":"publish","type":"post","link":"https:\/\/www.imobiliare.ro\/imoexpert\/vrei-sa-iei-un-credit-pentru-casa-ce-cheltuieli-aditionale-te-asteapta_db\/","title":{"rendered":"Vrei s\u0103 iei un credit pentru cas\u0103? Ce cheltuieli adi\u021bionale te a\u0219teapt\u0103!"},"content":{"rendered":"<p><a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2018\/04\/economii-casa.jpg\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2018\/04\/economii-casa.jpg\" alt=\"credit casa cheltuieli aditionale\" width=\"600\" height=\"450\" class=\"aligncenter size-full wp-image-52705\" srcset=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2018\/04\/economii-casa.jpg 600w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2018\/04\/economii-casa-300x225.jpg 300w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><\/a><\/p>\n<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-69fb8bbd900a7\" 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-69fb8bbd900a7\"  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\/vrei-sa-iei-un-credit-pentru-casa-ce-cheltuieli-aditionale-te-asteapta_db\/#De_cativa_ani_buni_rata_pentru_un_credit_contractat_in_vederea_achizitiei_unei_locuinte_este_comparabila_cu_valoarea_chiriei_pentru_un_imobil_similar_In_aceste_conditii_multi_romani_considera_ca_este_mai_bine_sa_devina_ei_insisi_proprietari\" >De c\u00e2\u021biva ani buni, rata pentru un credit contractat \u00een vederea achizi\u021biei unei locuin\u021be este comparabil\u0103 cu valoarea chiriei pentru un imobil similar. \u00cen aceste condi\u021bii, mul\u021bi rom\u00e2ni consider\u0103 c\u0103 este mai bine s\u0103 devin\u0103 ei \u00een\u0219i\u0219i proprietari.<\/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\/vrei-sa-iei-un-credit-pentru-casa-ce-cheltuieli-aditionale-te-asteapta_db\/#1_Achitarea_avansului\" >1. Achitarea avansului:<\/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\/vrei-sa-iei-un-credit-pentru-casa-ce-cheltuieli-aditionale-te-asteapta_db\/#2_Cheltuielile_notariale\" >2. Cheltuielile notariale:<\/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\/vrei-sa-iei-un-credit-pentru-casa-ce-cheltuieli-aditionale-te-asteapta_db\/#3_Alte_costuri_asociate_creditului\" >3. Alte costuri asociate creditului:<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"De_cativa_ani_buni_rata_pentru_un_credit_contractat_in_vederea_achizitiei_unei_locuinte_este_comparabila_cu_valoarea_chiriei_pentru_un_imobil_similar_In_aceste_conditii_multi_romani_considera_ca_este_mai_bine_sa_devina_ei_insisi_proprietari\"><\/span>De c\u00e2\u021biva ani buni, rata pentru un credit contractat \u00een vederea achizi\u021biei unei locuin\u021be este comparabil\u0103 cu valoarea chiriei pentru un imobil similar. \u00cen aceste condi\u021bii, mul\u021bi rom\u00e2ni consider\u0103 c\u0103 este mai bine s\u0103 devin\u0103 ei \u00een\u0219i\u0219i proprietari.<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>A cump\u0103ra o cas\u0103, fie \u0219i prin credit, nu este \u00eens\u0103 at\u00e2t de u\u0219or pe c\u00e2t ar p\u0103rea la prima vedere. Un asemenea pas presupune un efort financiar ini\u021bial important, ce nu trebuie trecut cu vederea. Potrivit calculelor Imobiliare.ro, dac\u0103 vrei s\u0103 cumperi un apartament de, s\u0103 zicem, 50.000 de euro, ar trebui s\u0103 dispui, din resurse proprii, de cel pu\u021bin 4.000 de euro.<\/p>\n<p><em><strong>Cite\u0219te \u0219i: <a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/imoexpert\/etapele-contractarii-unui-credit-la-banca\/\">Etapele contract\u0103rii unui credit la banc\u0103<\/a><\/strong><\/em><\/p>\n<p>Iat\u0103 pentru ce:<\/p>\n<h2><span class=\"ez-toc-section\" id=\"1_Achitarea_avansului\"><\/span>1. Achitarea avansului:<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Cea mai mare parte din aceast\u0103 sum\u0103 este reprezentat\u0103, desigur, de avansul necesar pentru contractarea creditului \u2013 iar din acest punct de vedere, \u00eemprumuturile de tip Prima Cas\u0103 continu\u0103 s\u0103 fie cea mai accesibil\u0103 variant\u0103. Avansul minim acceptat de c\u0103tre b\u0103nci este de 5%, ceea ce echivaleaz\u0103 cu o sum\u0103 de 2.500 de euro, la o valoare a imobilului de 50.000 de euro. Dac\u0103 te afli \u00eens\u0103 \u00een situa\u021bia de a contracta un credit ipotecar standard, ar trebui s\u0103 dispui de 15%-25% din valoarea total\u0103 a propriet\u0103\u021bii pe care vrei s-o achizi\u021bionezi \u2013 iar asta ar \u00eensemna \u00eentre 7.500 \u0219i 12.500 de euro, \u00een func\u021bie de banc\u0103.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"2_Cheltuielile_notariale\"><\/span>2. Cheltuielile notariale:<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Cheltuielile notariale vor \u201em\u00e2nca\u201d, de asemenea, o parte important\u0103 din bugetul ini\u021bial al unui cump\u0103r\u0103tor prin credit. \u0218i \u00een acest caz, beneficiarii programului guvernamental sunt avantaja\u021bi, \u00eentruc\u00e2t beneficiaz\u0103 de anumite reduceri comparativ cu cei care opteaz\u0103 pentru un alt tip de credit. Astfel, un cump\u0103r\u0103tor prin Prima Cas\u0103 va pl\u0103ti pu\u021bin peste 500 de euro pentru taxele notariale aferente unei propriet\u0103\u021bi de 50.000 de euro; \u00een cazul unui credit standard, \u00eens\u0103, aceste costuri se apropie de 1.000 de euro.<\/p>\n<p><em><strong><a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/imoexpert\/categorii-ghiduri\/cumparator\/\">Click<\/a> pentru a vedea ghidul cump\u0103r\u0103torului pus la dispozi\u021bie de <a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/\">Imobiliare.ro<\/a>!<\/strong><\/em><\/p>\n<h2><span class=\"ez-toc-section\" id=\"3_Alte_costuri_asociate_creditului\"><\/span>3. Alte costuri asociate creditului:<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Celelalte costuri asociate \u00eencheierii unui contract de credit se apropie, \u00een cazul unui imobil de 50.000 de euro, de suma de 1.000 de euro. Printre aceste cheltuieli se num\u0103r\u0103:<\/p>\n<ul>\n<li>evaluarea imobilului \u2013 cost\u0103, \u00een mod normal, aproximativ 100 de euro;<\/li>\n<li>poli\u021ba de asigurare a casei \u2013 aproximativ 80-90 de euro;<\/li>\n<li>depozitul colateral constituit de c\u0103tre banc\u0103 \u2013 echivalentul a trei rate lunare de dob\u00e2nd\u0103, adic\u0103 circa 500-600 de euro la un credit pe 30 de ani;<\/li>\n<li>comisionul de 0,49% din valoarea garan\u0163iei acordate de c\u0103tre Fondul de Garantare a Creditelor pentru \u00centreprinderile Mici \u015fi Mijlocii \u2013 doar pentru beneficiarii Prima Cas\u0103, se aplic\u0103 la jum\u0103tate din valoarea creditului acordat \u0219i ajunge la circa 120 de euro.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>De c\u00e2\u021biva ani buni, rata pentru un credit contractat \u00een vederea achizi\u021biei unei locuin\u021be este comparabil\u0103 cu valoarea chiriei pentru un imobil similar. \u00cen aceste condi\u021bii, mul\u021bi rom\u00e2ni consider\u0103 c\u0103 este mai bine s\u0103 devin\u0103 ei \u00een\u0219i\u0219i proprietari. A cump\u0103ra o cas\u0103, fie \u0219i prin credit, nu este \u00eens\u0103 at\u00e2t de u\u0219or pe c\u00e2t ar [&hellip;]<\/p>\n","protected":false},"author":829,"featured_media":52705,"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":{"0":"post-53296","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-credite","8":"category-stiri","9":"tag-credite-2","10":"tag-cumparator","11":"tag-newsletter","12":"tag-principal"},"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>Vrei s\u0103 iei un credit pentru cas\u0103? Ce cheltuieli adi\u021bionale te a\u0219teapt\u0103!<\/title>\n<meta name=\"description\" content=\"A cump\u0103ra o cas\u0103, fie \u0219i prin credit, nu este \u00eens\u0103 at\u00e2t de u\u0219or pe c\u00e2t ar p\u0103rea la prima vedere. Un asemenea pas presupune un efort financiar ini\u021bial important, ce nu trebuie trecut cu vederea.\" \/>\n<meta name=\"robots\" content=\"index, follow\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.imobiliare.ro\/imoexpert\/vrei-sa-iei-un-credit-pentru-casa-ce-cheltuieli-aditionale-te-asteapta_db\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Vrei s\u0103 iei un credit pentru cas\u0103? Ce cheltuieli adi\u021bionale te a\u0219teapt\u0103!\" \/>\n<meta property=\"og:description\" content=\"A cump\u0103ra o cas\u0103, fie \u0219i prin credit, nu este \u00eens\u0103 at\u00e2t de u\u0219or pe c\u00e2t ar p\u0103rea la prima vedere. 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