{"id":54971,"date":"2019-03-05T12:56:56","date_gmt":"2019-03-05T10:56:56","guid":{"rendered":"https:\/\/www.imobiliare.ro\/imoexpert\/?p=54971"},"modified":"2019-03-05T12:56:56","modified_gmt":"2019-03-05T10:56:56","slug":"2019-se-dau-din-nou-credite-prima-casa-conditiile-sunt-aceleasi-cu-o-exceptie","status":"publish","type":"post","link":"https:\/\/www.imobiliare.ro\/imoexpert\/2019-se-dau-din-nou-credite-prima-casa-conditiile-sunt-aceleasi-cu-o-exceptie_db\/","title":{"rendered":"2019: Se dau din nou credite Prima Cas\u0103! Condi\u021biile sunt acelea\u0219i, cu o EXCEP\u021aIE"},"content":{"rendered":"<p><a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2019\/03\/2019-se-dau-din-nou-credite-prima-casa-conditiile-sunt-aceleasi-cu-o-exceptie.jpg\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2019\/03\/2019-se-dau-din-nou-credite-prima-casa-conditiile-sunt-aceleasi-cu-o-exceptie.jpg\" alt=\"2019 se dau din nou credite prima casa conditiile sunt aceleasi cu o exceptie\" width=\"800\" height=\"533\" class=\"aligncenter size-full wp-image-54972\" srcset=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2019\/03\/2019-se-dau-din-nou-credite-prima-casa-conditiile-sunt-aceleasi-cu-o-exceptie.jpg 800w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2019\/03\/2019-se-dau-din-nou-credite-prima-casa-conditiile-sunt-aceleasi-cu-o-exceptie-300x200.jpg 300w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2019\/03\/2019-se-dau-din-nou-credite-prima-casa-conditiile-sunt-aceleasi-cu-o-exceptie-768x512.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-69f1dd958127f\" 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-69f1dd958127f\"  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-dau-din-nou-credite-prima-casa-conditiile-sunt-aceleasi-cu-o-exceptie_db\/#In_2019_cei_care_vor_sa_acceseze_credite_Prima_Casa_vor_avea_de_ales_intre_15_banci_participante_la_program\" >\u00cen 2019, cei care vor s\u0103 acceseze credite Prima Cas\u0103 vor avea de ales \u00eentre 15 b\u0103nci participante la program.<\/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-dau-din-nou-credite-prima-casa-conditiile-sunt-aceleasi-cu-o-exceptie_db\/#Zece_ani_260000_de_garantii\" >Zece ani, 260.000 de garan\u021bii<\/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-dau-din-nou-credite-prima-casa-conditiile-sunt-aceleasi-cu-o-exceptie_db\/#Doua_miliarde_de_lei_in_2019\" >Dou\u0103 miliarde de lei \u00een 2019<\/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-dau-din-nou-credite-prima-casa-conditiile-sunt-aceleasi-cu-o-exceptie_db\/#O_schimbare_exista_totusi\" >O schimbare exist\u0103 totu\u0219i!<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"In_2019_cei_care_vor_sa_acceseze_credite_Prima_Casa_vor_avea_de_ales_intre_15_banci_participante_la_program\"><\/span>\u00cen 2019, cei care vor s\u0103 acceseze credite Prima Cas\u0103 vor avea de ales \u00eentre 15 b\u0103nci participante la program.<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Dup\u0103 un \u00eenceput de an marcat de o serie de discu\u021bii privind transformarea programului Prima Cas\u0103 \u00eentr-unul strict social, creditarea cu garan\u021bia statului este, \u00een sf\u00e2r\u0219it, reluat\u0103, \u00eens\u0103 f\u0103r\u0103 modificarea condi\u021biilor de func\u021bionare. Astfel, Fondul Na\u021bional de Garantare a Creditelor pentru IMM-uri (FNGCIMM) a primit, din partea Ministerului Finan\u021belor Publice, acordul de distribuire pentru suma de 1,987 miliarde lei (dintr-un plafon total de dou\u0103 miliarde de lei alocat pentru tot anul 2019). \u201eProgramul Prima Cas\u0103 2019 beneficiaz\u0103 de acelea\u0219i condi\u021bii de acordare a garan\u021biei statului rom\u00e2n pentru finan\u021b\u0103rile aprobate de b\u0103ncile participante\u201d, au punctat reprezentan\u021bii FNGCIMM. <\/p>\n<h2><span class=\"ez-toc-section\" id=\"Zece_ani_260000_de_garantii\"><\/span>Zece ani, 260.000 de garan\u021bii<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\u00cen 2019, finan\u021b\u0103rile vor fi acordate de 15 b\u0103nci active pe pia\u021ba local\u0103: BRD-GSG, BCR, Banca Transilvania, CEC Bank, ING Bank, Raiffeisen Bank, OTP Bank, Banca Romaneasca, Unicredit Bank, Garanti Bank, First Bank, Marfin Bank, Credit Agricole, Leumi Bank \u0219i Intesa Sanpaolo Bank.<\/p>\n<blockquote><p>\u201eTimp de zece ani, programul Prima Cas\u0103 a extins \u00een mod natural accesul la creditare pentru persoanele tinere, cu v\u00e2rste p\u00e2n\u0103 la 35 de ani, oferindu-le \u0219ansa de a achizi\u021biona o locuin\u021b\u0103. Eficien\u021ba \u0219i notorietatea programului se bazeaz\u0103 pe parteneriatul construit \u00eentre statul rom\u00e2n, ca ini\u021biator, FNGCIMM, b\u0103ncile finan\u021batoare \u0219i beneficiari, care au privit cu responsabilitate oportunitatea unic\u0103 de a accesa un credit imobiliar \u00een conditii foarte avantajoase, cu un avans de minimum 5% \u0219i cu costuri totale de finan\u021bare plafonate. P\u00e2n\u0103 la finele anului 2018, FNGCIMM a acordat peste 260.000 de garan\u021bii \u0219i promisiuni de garantare pentru achizi\u021bionarea sau construc\u021bia de locuin\u021be pe \u00eentreg teritoriul Rom\u00e2niei. Suntem preg\u0103ti\u021bi de lansarea etapei corespunz\u0103toare celui de-al unsprezecelea an al programului cu procese opera\u021bionale \u00eembun\u0103t\u0103\u021bite, cu tehnologii noi, cu parametri ce se situeaz\u0103 \u00een tendin\u021bele actuale din sectorul financiar.\u201d<\/p>\n<p><strong>Gheorghe L\u0103p\u0103dat, Director General al FNGCIMM<\/strong><\/p><\/blockquote>\n<p>&nbsp;<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Doua_miliarde_de_lei_in_2019\"><\/span>Dou\u0103 miliarde de lei \u00een 2019<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Plafonul total al garan\u021biilor ce pot fi emise \u00een anul 2019, \u00een valoare de dou\u0103 miliarde de lei, se afl\u0103 \u00een conformitate cu strategia pe cinci ani elaborat\u0103 de 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, \u00een fine, 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<h2><span class=\"ez-toc-section\" id=\"O_schimbare_exista_totusi\"><\/span>O schimbare exist\u0103 totu\u0219i!<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>De men\u021bionat este c\u0103, de\u0219i condi\u021biile de func\u021bionare a programului Prima Cas\u0103 nu s-au schimbat, cei care doresc s\u0103 acceseze un astfel de \u00eemprumut sunt afecta\u021bi, totu\u0219i, de modific\u0103rile condi\u021biilor generale de creditare, implementate odat\u0103 cu \u00eenceputul acestui an. Din acest punct de vedere, cel mai important aspect const\u0103 \u00een diminuarea gradului maxim de \u00eendatorare, care ajunge la 45% pentru creditele destinate achizi\u021bion\u0103rii unei prime locuin\u021be (fa\u021b\u0103 de 40% pentru creditele ipotecare obi\u0219nuite). <\/p>\n<p><strong>Cite\u0219te \u0219i: <a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/imoexpert\/2019-se-schimba-regulile-la-credite-inclusiv-la-prima-casa_db\/\">2019: Se SCHIMB\u0102 regulile la credite, inclusiv la Prima Cas\u0103!<\/a><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u00cen 2019, cei care vor s\u0103 acceseze credite Prima Cas\u0103 vor avea de ales \u00eentre 15 b\u0103nci participante la program. Dup\u0103 un \u00eenceput de an marcat de o serie de discu\u021bii privind transformarea programului Prima Cas\u0103 \u00eentr-unul strict social, creditarea cu garan\u021bia statului este, \u00een sf\u00e2r\u0219it, reluat\u0103, \u00eens\u0103 f\u0103r\u0103 modificarea condi\u021biilor de func\u021bionare. Astfel, Fondul [&hellip;]<\/p>\n","protected":false},"author":829,"featured_media":54972,"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-54971","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>2019: Se dau din nou credite Prima Cas\u0103! Condi\u021biile sunt acelea\u0219i, cu o EXCEP\u021aIE - Credite, \u0218tiri - ImoExpert<\/title>\n<meta name=\"description\" content=\"\u00cen 2019, cei care vor s\u0103 acceseze credite Prima Cas\u0103 vor avea de ales \u00eentre 15 b\u0103nci participante la program. 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Dup\u0103 un \u00eenceput de an marcat de o serie de \u00cen 2019, cei care vor s\u0103 acceseze credite Prima Cas\u0103 vor avea de ales \u00eentre 15 institu\u021bii finan\u021batoare participante la program.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.imobiliare.ro\/imoexpert\/2019-se-dau-din-nou-credite-prima-casa-conditiile-sunt-aceleasi-cu-o-exceptie_db\/\" \/>\n<meta property=\"og:site_name\" content=\"ImoExpert\" \/>\n<meta property=\"article:published_time\" content=\"2019-03-05T10:56:56+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2019\/03\/2019-se-dau-din-nou-credite-prima-casa-conditiile-sunt-aceleasi-cu-o-exceptie.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"800\" \/>\n\t<meta property=\"og:image:height\" content=\"533\" \/>\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=\"3 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.imobiliare.ro\/imoexpert\/2019-se-dau-din-nou-credite-prima-casa-conditiile-sunt-aceleasi-cu-o-exceptie_db\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.imobiliare.ro\/imoexpert\/2019-se-dau-din-nou-credite-prima-casa-conditiile-sunt-aceleasi-cu-o-exceptie_db\/\"},\"author\":{\"name\":\"Adriana Dr\u0103gu\u0219in\",\"@id\":\"https:\/\/www.imobiliare.ro\/imoexpert\/#\/schema\/person\/8c13b0297075010b896471fabf0d7790\"},\"headline\":\"2019: Se dau din nou credite Prima Cas\u0103! 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