{"id":54611,"date":"2019-01-07T09:49:29","date_gmt":"2019-01-07T07:49:29","guid":{"rendered":"https:\/\/www.imobiliare.ro\/imoexpert\/?p=54611"},"modified":"2019-01-07T09:49:29","modified_gmt":"2019-01-07T07:49:29","slug":"2019-se-schimba-regulile-la-credite-inclusiv-la-prima-casa","status":"publish","type":"post","link":"https:\/\/www.imobiliare.ro\/imoexpert\/2019-se-schimba-regulile-la-credite-inclusiv-la-prima-casa_db\/","title":{"rendered":"2019: Se SCHIMB\u0102 regulile la credite, inclusiv la Prima Cas\u0103!"},"content":{"rendered":"<p><a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2019\/01\/2019-se-schimba-regulile-la-credite-inclusiv-la-Prima-Casa.jpg\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2019\/01\/2019-se-schimba-regulile-la-credite-inclusiv-la-Prima-Casa.jpg\" alt=\"2019 se schimba regulile la credite inclusiv la Prima Casa\" width=\"800\" height=\"530\" class=\"aligncenter size-full wp-image-54612\" srcset=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2019\/01\/2019-se-schimba-regulile-la-credite-inclusiv-la-Prima-Casa.jpg 800w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2019\/01\/2019-se-schimba-regulile-la-credite-inclusiv-la-Prima-Casa-300x199.jpg 300w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2019\/01\/2019-se-schimba-regulile-la-credite-inclusiv-la-Prima-Casa-768x509.jpg 768w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/a><\/p>\n<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-69ef55d86f821\" 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-69ef55d86f821\"  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\/2019-se-schimba-regulile-la-credite-inclusiv-la-prima-casa_db\/#Daca_te_numeri_printre_cei_care_si-au_pus_in_gand_sa-si_cumpere_o_casa_in_2019_trebuie_sa_stii_ca_accesarea_de_credite_este_mai_dificila_chiar_si_pentru_programul_Prima_Casa\" >Dac\u0103 te numeri printre cei care \u0219i-au pus \u00een g\u00e2nd s\u0103-\u0219i cumpere o cas\u0103 \u00een 2019, trebuie s\u0103 \u0219tii c\u0103 accesarea de credite este mai dificil\u0103, chiar \u0219i pentru programul Prima Cas\u0103.<\/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\/2019-se-schimba-regulile-la-credite-inclusiv-la-prima-casa_db\/#Obiectiv_o_creditare_sanatoasa\" >Obiectiv: o creditare s\u0103n\u0103toas\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\/2019-se-schimba-regulile-la-credite-inclusiv-la-prima-casa_db\/#Veniturile_la_un_nivel_satisfacator\" >Veniturile, la un nivel satisf\u0103c\u0103tor<\/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\/2019-se-schimba-regulile-la-credite-inclusiv-la-prima-casa_db\/#Usoara_ingaduinta_la_Prima_Casa\" >U\u0219oar\u0103 \u00eeng\u0103duin\u021b\u0103 la Prima Cas\u0103<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Daca_te_numeri_printre_cei_care_si-au_pus_in_gand_sa-si_cumpere_o_casa_in_2019_trebuie_sa_stii_ca_accesarea_de_credite_este_mai_dificila_chiar_si_pentru_programul_Prima_Casa\"><\/span>Dac\u0103 te numeri printre cei care \u0219i-au pus \u00een g\u00e2nd s\u0103-\u0219i cumpere o cas\u0103 \u00een 2019, trebuie s\u0103 \u0219tii c\u0103 accesarea de credite este mai dificil\u0103, chiar \u0219i pentru programul Prima Cas\u0103.<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Dup\u0103 un 2018 lipsit de turbulen\u021be \u00een imobiliare, 2019 \u0219i-a luat startul sub semnul unor schimb\u0103ri de fundal cu b\u0103taie lung\u0103. Astfel, data de 1 ianuarie marcheaz\u0103 intrarea \u00een vigoare a noilor reglement\u0103ri ale B\u0103ncii Na\u021bionale a Rom\u00e2niei (BNR) privind condi\u021biile de creditare. Aprobate spre finele anului trecut, normele vizeaz\u0103 gradul total de \u00eendatorare acceptat la accesarea unui \u00eemprumut, calculat ca pondere a obliga\u0163iilor totale lunare de plat\u0103 raportate la venitul net lunar. \u00cen 2019, plafonul maxim permis de c\u0103tre b\u0103ncile de pe pia\u021ba autohton\u0103 este substan\u021bial mai sc\u0103zut, ajung\u00e2nd p\u00e2n\u0103 la un maximum de 40% din venitul net la creditele \u00een lei. Modificarea este una c\u00e2t se poate de notabil\u0103, av\u00e2nd \u00een vedere c\u0103, \u00een urm\u0103 cu doar un an, acela\u0219i indicator ajungea p\u00e2n\u0103 la aproximativ 60%, \u00een func\u021bie de banc\u0103 &#8211; dep\u0103\u0219ind, \u00een unele cazuri, chiar \u0219i acest nivel. Pe de alt\u0103 parte, de constr\u00e2ngeri sensibil mai accentuate vor fi afecta\u021bi cei care ar inten\u021biona s\u0103 acceseze un \u00eemprumut \u00een valut\u0103, plafonul aplicat pentru acest tip de credite fiind de doar 20%. &#8222;Regulamentul se aplic\u0103 at\u00e2t institu\u0163iilor bancare, c\u00e2t \u015fi IFN&#8221;, precizeaz\u0103 oficialii BNR. <\/p>\n<h2><span class=\"ez-toc-section\" id=\"Obiectiv_o_creditare_sanatoasa\"><\/span>Obiectiv: o creditare s\u0103n\u0103toas\u0103!<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Potrivit acestora, modificarea regulamentului de creditare urm\u0103re\u0219te dou\u0103 obiective majore, anume simplificarea accesului la credite \u0219i consolidarea cre\u0219terii sustenabile a activit\u0103\u021bii de creditare. &#8222;Conform noii metodologii de calcul, nivelul creditului \u0219i al ratelor aferente va putea fi stabilit u\u0219or de orice solicitant&#8221;, explic\u0103, \u00een cel dint\u00e2i caz, reprezentan\u021bii b\u0103ncii centrale. Cel de-al doilea obiectiv este, desigur, \u0219i cel mai important, acesta const\u00e2nd \u00een &#8222;protejarea popula\u021biei cu venituri medii \u0219i cu venituri sub valorile medii \u00een sensul \u00eembun\u0103t\u0103\u021birii capacit\u0103\u021bii de plat\u0103, pentru creditare s\u0103n\u0103toas\u0103&#8221;. Oficialii BNR, au punctat c\u0103 m\u0103suri pruden\u021biale similare au fost adoptate deja \u0219i \u00een alte \u021b\u0103ri europene, cum ar fi Ungaria, Polonia, Estonia, Lituania sau Cehia.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Veniturile_la_un_nivel_satisfacator\"><\/span>Veniturile, la un nivel satisf\u0103c\u0103tor<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Este de a\u0219teptat, desigur, ca noile m\u0103suri s\u0103 aib\u0103 un impact important asupra activit\u0103\u021bii de tranzac\u021bionare din imobiliare. Potrivit Georgiei Cailean, CEO Coldwell Banker Romania, evolu\u021bia pie\u021bei reziden\u021biale \u00een 2019 va fi influen\u021bat\u0103 de evolu\u021bia economic\u0103 \u0219i de deciziile care se vor aplica \u00eencep\u00e2nd cu acest an &#8211; incluz\u00e2nd aici, desigur, o m\u0103sur\u0103 important\u0103 cum este diminuarea gradului de \u00eendatorare. &#8222;Toate acestea \u00ee\u0219i pot pune \u00een mod negativ amprenta asupra segmentului finan\u021b\u0103rilor, \u00eens\u0103 r\u0103m\u00e2ne de v\u0103zut \u00een ce m\u0103sur\u0103, \u00een condi\u021biile \u00een care veniturile se p\u0103streaz\u0103 la un nivel satisf\u0103c\u0103tor&#8221;, subliniaz\u0103 reprezentanta companiei de consultan\u021b\u0103. <\/p>\n<h2><span class=\"ez-toc-section\" id=\"Usoara_ingaduinta_la_Prima_Casa\"><\/span>U\u0219oar\u0103 \u00eeng\u0103duin\u021b\u0103 la Prima Cas\u0103<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Ce se va \u00eent\u00e2mpla, \u00een noile condi\u021bii de creditare, cu programul Prima Cas\u0103, care continu\u0103 s\u0103 se bucure de un evident succes \u00een r\u00e2ndul rom\u00e2nilor? Beneficiarii programului ar fi ceva mai avantaja\u021bi de normele recent intrate \u00een vigoare, gradul maxim de \u00eendatorare ajung\u00e2nd la 45% pentru creditele destinate achizi\u021bion\u0103rii unei prime locuin\u021be. Potrivit celor mai recente declara\u021bii oficiale, programul guvernamental &#8211; intrat \u00een cel de-al zecelea an al s\u0103u de existen\u021b\u0103 &#8211; va continua \u0219i anul acesta. &#8222;Programul va continua s\u0103 func\u021bioneze \u0219i \u00een 2019, reprezent\u00e2nd o op\u021biune potrivit\u0103 pentru un procent de cump\u0103r\u0103tori deloc de neglijat&#8221;, puncteaz\u0103 \u0219i Georgia Cailean. <\/p>\n<p>De\u0219i cuantumul \u0219i distribuirea fondurilor atribuite pentru Prima Cas\u0103 \u00een 2019 nu au fost publicate \u00een mod oficial, plafonul statului ar trebui s\u0103 ajung\u0103 la circa dou\u0103 miliarde de lei, potrivit unei strategii pe cinci ani propuse de c\u0103tre Ministerul Finan\u021belor la finele anului 2016. Conform acestui plan, respectat p\u00e2n\u0103 \u00een prezent, programul avea s\u0103 beneficieze de fonduri \u00een valoare de 2,5 miliarde lei \u00een 2017, apoi de c\u00e2te dou\u0103 miliarde de lei \u00een 2018, 2019 \u0219i 2020 \u0219i de 1,5 miliarde de lei \u00een 2021. Reducerea gradual\u0103 a plafonului de garan\u021bii avea \u00een vedere diminuarea interven\u021biei statului prin garantare \u2013 presupun\u00e2nd, desigur, c\u0103 pia\u021ba creditului ipotecar ar continua s\u0103 se dezvolte \u00een urm\u0103torii ani, iar popula\u021bia a\u0103 aib\u0103 un acces sporit la produsele standard ale b\u0103ncilor.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Dac\u0103 te numeri printre cei care \u0219i-au pus \u00een g\u00e2nd s\u0103-\u0219i cumpere o cas\u0103 \u00een 2019, trebuie s\u0103 \u0219tii c\u0103 accesarea de credite este mai dificil\u0103, chiar \u0219i pentru programul Prima Cas\u0103. Dup\u0103 un 2018 lipsit de turbulen\u021be \u00een imobiliare, 2019 \u0219i-a luat startul sub semnul unor schimb\u0103ri de fundal cu b\u0103taie lung\u0103. Astfel, data [&hellip;]<\/p>\n","protected":false},"author":829,"featured_media":54612,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[263],"tags":[294,480,1410,1411],"content_author":[],"class_list":["post-54611","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credite","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>2019: Se SCHIMB\u0102 regulile la credite, inclusiv la Prima Cas\u0103! - Credite - ImoExpert<\/title>\n<meta name=\"description\" content=\"Dac\u0103 te numeri printre cei care \u0219i-au pus \u00een g\u00e2nd s\u0103-\u0219i cumpere o cas\u0103 \u00een 2019, trebuie s\u0103 \u0219tii c\u0103 este mai dificil s\u0103 iei un credit, fie el \u0219i Prima 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