{"id":59300,"date":"2020-07-07T19:31:01","date_gmt":"2020-07-07T16:31:01","guid":{"rendered":"https:\/\/www.imobiliare.ro\/imoexpert\/?p=59300"},"modified":"2020-07-07T19:31:01","modified_gmt":"2020-07-07T16:31:01","slug":"schimbarea-schimbarii-programul-o-familie-o-casa-se-va-transforma-in-o-noua-casa-ar-deveni-functional-in-doua-saptamani","status":"publish","type":"post","link":"https:\/\/www.imobiliare.ro\/imoexpert\/schimbarea-schimbarii-programul-o-familie-o-casa-se-va-transforma-in-o-noua-casa-ar-deveni-functional-in-doua-saptamani_db\/","title":{"rendered":"Schimbarea schimb\u0103rilor: programul \u201eO familie, o cas\u0103\u201d se va transforma \u00een \u201eNoua cas\u0103\u201d. Ar deveni func\u021bional \u00een dou\u0103 s\u0103pt\u0103m\u00e2ni"},"content":{"rendered":"<figure id=\"attachment_59301\" aria-describedby=\"caption-attachment-59301\" style=\"width: 800px\" class=\"wp-caption aligncenter\"><a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2020\/07\/programul-O-familie-o-casa-se-va-transforma-in-O-noua-Casa.jpg\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2020\/07\/programul-O-familie-o-casa-se-va-transforma-in-O-noua-Casa.jpg\" alt=\"\" width=\"800\" height=\"533\" class=\"size-full wp-image-59301\" srcset=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2020\/07\/programul-O-familie-o-casa-se-va-transforma-in-O-noua-Casa.jpg 800w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2020\/07\/programul-O-familie-o-casa-se-va-transforma-in-O-noua-Casa-300x200.jpg 300w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2020\/07\/programul-O-familie-o-casa-se-va-transforma-in-O-noua-Casa-768x512.jpg 768w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/a><figcaption id=\"caption-attachment-59301\" class=\"wp-caption-text\">Surs\u0103 foto: Pixabay.com<\/figcaption><\/figure>\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-69e0ed1983966\" 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-69e0ed1983966\"  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\/schimbarea-schimbarii-programul-o-familie-o-casa-se-va-transforma-in-o-noua-casa-ar-deveni-functional-in-doua-saptamani_db\/#UPDATE_2\" >UPDATE 2:<\/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\/schimbarea-schimbarii-programul-o-familie-o-casa-se-va-transforma-in-o-noua-casa-ar-deveni-functional-in-doua-saptamani_db\/#UPDATE_1\" >UPDATE 1:<\/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\/schimbarea-schimbarii-programul-o-familie-o-casa-se-va-transforma-in-o-noua-casa-ar-deveni-functional-in-doua-saptamani_db\/#Majorarea_plafonului_de_garantare_ar_extinde_semnificativ_lista_de_optiuni_pentru_cumparatori_%E2%80%93_pragul_redus_pentru_achitarea_unei_TVA_de_5_constituie_insa_in_continuare_un_impediment\" >Majorarea plafonului de garantare ar extinde semnificativ lista de op\u021biuni pentru cump\u0103r\u0103tori &#8211; pragul redus pentru achitarea unei TVA de 5% constituie, \u00eens\u0103, \u00een continuare un impediment.<\/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\/schimbarea-schimbarii-programul-o-familie-o-casa-se-va-transforma-in-o-noua-casa-ar-deveni-functional-in-doua-saptamani_db\/#STIRE_INITIALA\" >\u0218TIRE INI\u021aIAL\u0102:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.imobiliare.ro\/imoexpert\/schimbarea-schimbarii-programul-o-familie-o-casa-se-va-transforma-in-o-noua-casa-ar-deveni-functional-in-doua-saptamani_db\/#O_familie_o_casa_%E2%80%93_un_program_nepus_in_practica\" >O familie, o cas\u0103 \u2013 un program nepus \u00een practic\u0103<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.imobiliare.ro\/imoexpert\/schimbarea-schimbarii-programul-o-familie-o-casa-se-va-transforma-in-o-noua-casa-ar-deveni-functional-in-doua-saptamani_db\/#Majorarea_pragului_pentru_TVA_de_5_o_alta_masura_asteptata\" >Majorarea pragului pentru TVA de 5%, o alt\u0103 m\u0103sur\u0103 a\u0219teptat\u0103<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.imobiliare.ro\/imoexpert\/schimbarea-schimbarii-programul-o-familie-o-casa-se-va-transforma-in-o-noua-casa-ar-deveni-functional-in-doua-saptamani_db\/#Anca_Bidian_Din_2012_incoace_Prima_Casa_putea_sa_si_dispara\" >Anca Bidian: Din 2012 \u00eencoace, Prima Cas\u0103 putea s\u0103 \u0219i dispar\u0103<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.imobiliare.ro\/imoexpert\/schimbarea-schimbarii-programul-o-familie-o-casa-se-va-transforma-in-o-noua-casa-ar-deveni-functional-in-doua-saptamani_db\/#Cererea_a_fost_absorbita_fara_probleme_de_ipotecarele_standard\" >Cererea a fost absorbit\u0103, f\u0103r\u0103 probleme, de ipotecarele standard<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"UPDATE_2\"><\/span>UPDATE 2:<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\u00cen cadrul \u0219edin\u021bei de Guvern de pe 22 iulie 2020, Guvernul a adoptat un proiect de ordonan\u021b\u0103 de urgen\u021b\u0103 privind desf\u0103\u0219urarea programului Noua Cas\u0103 \u2013 fostul Prima Cas\u0103, dar schimbat, \u00eentre timp, \u00een O familie, o cas\u0103. Ini\u021biativa legislativ\u0103 nu impune restric\u021bii \u00een privin\u021ba vechimii imobilelor achizi\u021bionate printr-un credit cogarantat de c\u0103tre stat, \u00eens\u0103 prevede c\u0103 pentru locuin\u021bele noi (recep\u0163ionate cu cel mult cinci ani \u00eenainte de data solicit\u0103rii finan\u021b\u0103rii garantate) \u0219i pentru cele care au suferit lucr\u0103ri de consolidare \u015fi\/sau reducere a riscului seismic vor putea fi contractate \u00eemprumuturi de p\u00e2n\u0103 la 140.000 de euro (echivalent lei). Pentru celelalte categorii de locuin\u021be, valoarea maxim\u0103 a finan\u021b\u0103rii va fi de 70.000 de euro. <\/p>\n<p><strong>Pentru cele dou\u0103 categorii de locuin\u021be va fi perceput, \u00eens\u0103, un avans diferen\u021biat.<\/strong> <\/p>\n<p><strong>Cite\u0219te \u0219i:<br \/>\n<a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/imoexpert\/care-vor-fi-de-fapt-conditiile-pentru-noua-casa-credite-de-maximum-140-000-de-euro-pentru-locuintele-noi-fata-de-70-000-de-euro-pentru-restul_db\/\">Care vor fi, de fapt, condi\u021biile pentru Noua Cas\u0103: credite de maximum 140.000 de euro pentru locuin\u021bele noi, fa\u021b\u0103 de 70.000 de euro, pentru restul<\/a><\/strong><\/p>\n<h2><span class=\"ez-toc-section\" id=\"UPDATE_1\"><\/span>UPDATE 1:<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h2><span class=\"ez-toc-section\" id=\"Majorarea_plafonului_de_garantare_ar_extinde_semnificativ_lista_de_optiuni_pentru_cumparatori_%E2%80%93_pragul_redus_pentru_achitarea_unei_TVA_de_5_constituie_insa_in_continuare_un_impediment\"><\/span>Majorarea plafonului de garantare ar extinde semnificativ lista de op\u021biuni pentru cump\u0103r\u0103tori &#8211; pragul redus pentru achitarea unei TVA de 5% constituie, \u00eens\u0103, \u00een continuare un impediment.<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Guvernul a adoptat, \u00een prim\u0103 lectur\u0103, o ordonan\u021b\u0103 de urgen\u021b\u0103 privind regulile de func\u021bionare a programului Prima Cas\u0103. Potrivit lui Ionel Danc\u0103, \u0219eful Cancelariei Prim-ministrului, \u00een noua formul\u0103, programul se va numi Noua Cas\u0103 \u0219i va suferi \u201ec\u00e2teva modific\u0103ri importante (&#8230;), pentru a stimula dezvoltarea imobiliar\u0103 \u0219i sectorul construc\u021biilor \u0219i \u00een acela\u0219i timp pentru a veni \u00een sprijinul celor care doresc s\u0103 achizi\u021bioneze \u00een perioada urm\u0103toare o locuin\u021b\u0103 nou\u0103\u201d. Una dintre m\u0103suri const\u0103, astfel, \u00een majorarea plafonului pentru creditele destinate achizi\u021biei de locuin\u021be noi de la 70.000 de euro la cel pu\u021bin 140.000 de euro, cu o valoare a garan\u021biei de 80% din valoarea creditului. \u201eEste o modificare substan\u021bial\u0103, radical\u0103, care are \u00een vedere dezvoltarea sectorului imobiliar, inclusiv pentru locuin\u021bele de p\u00e2n\u0103 la 120 de metri p\u0103tra\u021bi, astfel \u00eenc\u00e2t cei care au posibilitatea \u0219i doresc s\u0103 acceseze o astfel de facilitate s\u0103 poat\u0103 achizi\u021biona \u0219i apartamente mai mari dec\u00e2t cele care sunt \u00een prezent pe pia\u021b\u0103, prin programul Prima Cas\u0103\u201d, a explicat Danc\u0103. <\/p>\n<p>\u00cen momentul de fa\u021b\u0103, unul dintre obstacolele \u00eent\u00e2mpinate de rom\u00e2nii interesa\u021bi de achizi\u021bia unei locuin\u021be noi mai spa\u021bioase este reprezentat, cel pu\u021bin \u00een marile ora\u0219e, de pragul redus prev\u0103zut pentru achitarea unei TVA de 5%, ce se situeaz\u0103, \u00een continuare, la 450.000 de lei. <\/p>\n<p>Potrivit reprezentantului Executivului, dup\u0103 primirea avizului de la Consiliul legislativ, ordonan\u021ba de urgen\u021b\u0103 urmeaz\u0103 s\u0103 fie adoptat\u0103 \u00een forma final\u0103 \u00een urm\u0103toarea \u0219edin\u021b\u0103 de guvern. <\/p>\n<h2><span class=\"ez-toc-section\" id=\"STIRE_INITIALA\"><\/span>\u0218TIRE INI\u021aIAL\u0102:<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Dup\u0103 ce a revenit pe nesim\u021bite pe agenda de lucru a legiuitorilor statului, chiar \u00een timpul pandemiei, programul guvernamental <strong>O familie, o cas\u0103<\/strong> (\u00eenlocuitorul fostului Prima Cas\u0103) va suferi noi schimb\u0103ri. Pe l\u00e2ng\u0103 un nou nume (<strong>O nou\u0103 cas\u0103<\/strong>), acesta va avea \u0219i noi condi\u021bii de func\u021bionare, printre care majorarea plafonului de garantare de la 66.500 de euro, la 80.000 de euro. \u201eProgramul seteaz\u0103 ni\u0219te priorit\u0103\u021bi ale statului pe aceast\u0103 zon\u0103 a locuin\u021belor cu aceast\u0103 caracteristic\u0103: locuin\u021be pentru tineri. Haide\u021bi s\u0103 nu mai oferim tinerilor orice cutiu\u021b\u0103 din aceasta lipsit\u0103 de orice facilit\u0103\u021bi sau care ulterior (se) dovedesc a avea tot felul de probleme, fie distan\u021ba, fie lipsa unor \u0219coli \u0219.a.m.d. Eu cred c\u0103 \u00een maxim dou\u0103 s\u0103pt\u0103m\u00e2ni, programul devine func\u021bional, cu tot ce trebuie, astfel \u00eenc\u00e2t cine aplic\u0103 s\u0103 poat\u0103 s\u0103 mearg\u0103 la banc\u0103\u201d, a declarat, la Digi24, Cristian P\u0103un, pre\u0219edintele Fondului Na\u021bional de Garantare a Creditelor pentru \u00centreprinderi Mici \u0219i Mijlocii (FNGCIMM). <\/p>\n<p><strong>Cite\u0219te \u0219i:<br \/>\n<a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/imoexpert\/proiectul-o-familie-o-casa-revine-in-scena-cu-ceva-modificari-a-trecut-de-camera-deputatilor-ar-urma-avizul-presedintelui_db\/\">Proiectul \u201eO familie, o cas\u0103\u201d revine \u00een scen\u0103, cu ceva modific\u0103ri: a trecut de Camera Deputa\u021bilor, ar urma avizul Pre\u0219edintelui<\/a><\/strong><\/p>\n<p>Pentru stimularea construc\u021biilor reziden\u021biale de calitate, reprezentan\u021bii statului au \u00een vedere \u0219i acordarea unor facilit\u0103\u021bi dezvoltatorilor, \u00een m\u0103sura \u00een care ace\u0219tia vor \u00eendeplini anumite condi\u021bii. \u201eStatul a \u00eenceput s\u0103 fie pu\u021bin mai atent la proiectele pe care le dezvolt\u0103 prin acest program \u2013 \u0219i e \u0219i normal s\u0103 se \u00eent\u00e2mple a\u0219a, pentru c\u0103 vedem tot felul de proiecte imobiliare care n-au conexiune la re\u021bea de canalizare, f\u0103cute \u00een mijlocul c\u00e2mpiei \u0219i apoi s\u0103 se descurce locuitorii cu transportul \u00een comun \u0219i cu toate treburile acestea\u201d, a precizat Cristian P\u0103un. <\/p>\n<h2><span class=\"ez-toc-section\" id=\"O_familie_o_casa_%E2%80%93_un_program_nepus_in_practica\"><\/span>O familie, o cas\u0103 \u2013 un program nepus \u00een practic\u0103<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Legea nr. 40\/2020, care detaliaz\u0103 condi\u021biile de func\u021bionare pentru <strong>O familie, o cas\u0103<\/strong>, a fost promulgat\u0103 de Pre\u0219edintele \u021a\u0103rii, Klaus Iohannis, la \u00eenceputul lunii aprilie. Cu toate c\u0103 actul legislativ a fost publicat \u00een Monitorul Oficial al Rom\u00e2niei, noul program a r\u0103mas, p\u00e2n\u0103 acum, nefunc\u021bional. Potrivit lui Adrian Pandelescu, directorul departamentelui financiar al Sud Reziden\u021bial, motivul este c\u0103 \u00een acest r\u0103stimp nu au fost semnate protocoalele de colaborare \u00eentre FNGCIMM \u0219i b\u0103nci.<\/p>\n<p>Cea din urm\u0103 variant\u0103 a programului guvernamental era menit\u0103 s\u0103 vin\u0103 \u00een sprijinul persoanelor din grupuri sociale vulnerabile, acestea put\u00e2nd beneficia de garantare din partea statului de p\u00e2n\u0103 la 100%. Caracterul social al acestei ini\u021biative era dat \u0219i de faptul c\u0103, la data solicit\u0103rii creditului, veniturile nete lunare ale beneficiarului individual (sau ale beneficiarului \u00eempreun\u0103 cu so\u021bul sau so\u021bia) nu puteau dep\u0103\u0219i valoarea de 4.500 de lei sau, respectiv, 7.000 de lei pentru familiile cu unul sau mai mul\u021bi copii. O limitare era prev\u0103zut\u0103 \u0219i \u00een ceea ce prive\u0219te pre\u0163ul unei locuin\u0163e achizi\u021bionate prin noul program, care putea fi maximum 70.000 de euro (echivalent lei), astfel c\u0103 valoarea finan\u0163\u0103rii garantate ajungea la maximum 66.500 de euro (echivalent lei), \u00een condi\u021biile unui avans minim de 5% din pre\u0163ul de achizi\u0163ie a locuin\u0163ei.<\/p>\n<p><strong>Cite\u0219te \u0219i:<br \/>\n<a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/imoexpert\/dupa-mai-bine-de-zece-ani-prima-casa-devine-o-familie-o-casa-de-acum-incolo-potentialele-achizitii-ulterioare-sunt-drastic-limitate_db\/\">Dup\u0103 mai bine de zece ani, Prima Cas\u0103 devine \u201eO familie, o cas\u0103\u201d. De acum \u00eencolo, poten\u021bialele achizi\u021bii ulterioare sunt drastic limitate!<\/a><\/strong><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Majorarea_pragului_pentru_TVA_de_5_o_alta_masura_asteptata\"><\/span>Majorarea pragului pentru TVA de 5%, o alt\u0103 m\u0103sur\u0103 a\u0219teptat\u0103<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Potrivit lui Adrian Pandelescu, legea 40\/2020 poate suferi ad\u0103ugiri fie printr-un proiect de hot\u0103r\u00e2re de Guvern, fie printr-o ordonan\u021b\u0103 de urgen\u021b\u0103. Clarificarea situa\u021biei privind programul guvernamental este important\u0103 pentru acei dezvoltatori care au, \u00eenc\u0103, o cerere important\u0103 din partea unor cump\u0103r\u0103tori care mizeaz\u0103 pe accesarea unor credite co-garantate de c\u0103tre stat. \u201eNoi avem peste peste 600 de clien\u021bi pe care trebuie s\u0103 \u00eei \u00eencadr\u0103m pe aceast\u0103 situa\u021bie\u201d, a precizat Pandelescu. \u00cen opinia sa, majorarea plafonului de garantare este o m\u0103sur\u0103 benefic\u0103, de adaptare la condi\u021biile actuale de pia\u021b\u0103, clien\u021bii av\u00e2nd, astfel, mai multe posibilit\u0103\u021bi de a achizi\u021biona \u0219i locuin\u021be noi cu trei camere. <\/p>\n<p>O m\u0103sur\u0103 intens discutat\u0103 \u0219i a\u0219teptat\u0103 de c\u0103tre dezvoltatori este \u0219i majorarea pragului pentru achitarea de TVA de 5% la achizi\u021bia de locuin\u021be noi, de la 450.000 de lei, c\u00e2t este \u00een prezent, la 600.000 de lei. <\/p>\n<p><strong>Cite\u0219te \u0219i:<br \/>\n<a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/imoexpert\/plafonul-pentru-5-tva-la-locuinte-o-problema-pentru-piata-si-in-2019_db\/\">Plafonul pentru 5% TVA la locuin\u021be, o problem\u0103 pentru pia\u021b\u0103 \u0219i \u00een 2019?<\/a><\/strong><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Anca_Bidian_Din_2012_incoace_Prima_Casa_putea_sa_si_dispara\"><\/span>Anca Bidian: Din 2012 \u00eencoace, Prima Cas\u0103 putea s\u0103 \u0219i dispar\u0103<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>La sf\u00e2r\u0219itul s\u0103pt\u0103m\u00e2nii trecue, \u00een cadrul unui nou webinar marca CPI, Anca Bidian, CEO Kiwi Finance, a discutat despre importan\u021ba, \u00een actualele condi\u021bii de pia\u021b\u0103, a unui program guvernamental de co-garantare a creditelor pentru achizi\u021bia de locuin\u021be. \u201eFaptul c\u0103 acest program (Prima Cas\u0103, n.red.) a disp\u0103rut nu are niciun impact pe tranzac\u021bii \u0219i pe pia\u021ba ipotecar\u0103. El \u0219i-a produs efectele de mult. Din 2012 \u00eencoace la fel de bine putea s\u0103 dispar\u0103, c\u0103 pia\u021ba ar fi avut aceea\u0219i evolu\u021bie. Toate analizele de pia\u021b\u0103 f\u0103cute succesiv \u00een ace\u0219ti ani arat\u0103 acest lucru\u201d, a subliniat Bidian.<\/p>\n<blockquote><p>\u201ePrima Cas\u0103, de anul trecut, ajunsese la sub 30% din total tranzac\u021bii. Adresabilitatea ei s-a \u00eengustat din ce \u00een ce mai mult, pe unele segmente de clien\u021bi. (&#8230;) Drept urmare, anul acesta pia\u021ba nu a suferit niciun fel de impact \u2013 negativ s\u0103 spun \u2013 c\u0103 s-a terminat Prima Cas\u0103, programul pe care \u00eel \u0219tiam. Cei mai mul\u021bi dintre clien\u021bi care au r\u0103mas f\u0103r\u0103 fonduri din primul program s-au dus pe (ipotecare, n.red.) standard.\u201d <\/p>\n<p><strong>Anca Bidian, CEO Kiwi Finance<\/strong><\/p><\/blockquote>\n<p>&nbsp;<\/p>\n<p><strong>Cite\u0219te \u0219i:<br \/>\n<a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/imoexpert\/prima-casa-din-nou-in-cumpana-varianta-o-familie-o-casa-e-pulverizata-nu-ar-fi-interesanta-pentru-actualul-guvern_db\/\">Prima Cas\u0103, din nou \u00een cump\u0103n\u0103. Varianta \u201eO familie, o cas\u0103\u201d e pulverizat\u0103: nu ar fi \u201einteresant\u0103\u201d pentru actualul Guvern<\/a><\/p>\n<p><a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/imoexpert\/epopeea-continua-si-in-2020-sa-fie-prima-casa-dar-nu-orice-fel-de-prima-casa-la-oricine_db\/\">Epopeea continu\u0103 (\u0219i) \u00een 2020: \u201eS\u0103 fie Prima Cas\u0103 \u2013 dar nu orice fel de \u00abprim\u0103 cas\u0103\u00bb, la oricine!\u201d<\/a><\/strong><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Cererea_a_fost_absorbita_fara_probleme_de_ipotecarele_standard\"><\/span>Cererea a fost absorbit\u0103, f\u0103r\u0103 probleme, de ipotecarele standard<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Reprezentanta Kiwi Finance a ad\u0103ugat c\u0103, \u00een condi\u021biile \u00eencheierii programului Prima Cas\u0103, foarte pu\u021bini clien\u021bi au renun\u021bat la tranzac\u021bii din cauza avansului \u2013 aceasta fiind, practic, cam singura diferen\u021b\u0103 \u00eentre creditul Prima Cas\u0103 \u0219i ipotecarele standard. Astfel, cererea a fost absorbit\u0103, f\u0103r\u0103 probleme, de ofertele normale ale b\u0103ncilor. \u201eAm avut mul\u021bi clien\u021bi pe care i-am trecut de pe Prima Cas\u0103 pe standard c\u00e2nd le-am explicat tot ce \u00eenseamn\u0103 Prima Cas\u0103, de fapt. Un credit standard, \u00eempreun\u0103 cu un credit de nevoi personale \u2013 dac\u0103 omul n-are avans, plec\u0103m de la premisa asta \u2013, pentru o combina\u021bie din asta pl\u0103tea clientul mai pu\u021bini bani dec\u00e2t la Prima Cas\u0103 (ca sum\u0103 total\u0103 de rambursat, n.red.). Pentru c\u0103 avansul nu e o cheltuial\u0103, e o parte din cas\u0103: deci (cump\u0103r\u0103torul, n.red.) are \u0219i el o c\u0103mar\u0103 acolo, o debara, dac\u0103 d\u0103 15% are \u0219i dormitorul, dac\u0103 d\u0103 25% are \u0219i al doilea dormitor\u201d, a punctat Bidian. <\/p>\n<p>C\u00e2t despre <strong>O familie, o cas\u0103<\/strong>, Bidian a precizat c\u0103 este \u201eun program eminamente social, cu o limit\u0103 de venit \u00een care trebuie s\u0103 te \u00eencadrezi, cu o limit\u0103 a valorii casei \u00een care trebuie s\u0103 te \u00eencadrezi\u201d. \u00cen opinia sa, noul program, de altfel nefunc\u021bional, era \u00eempiedicat oricum de penuria unei oferte special adresate acestui segment. \u201eOferta de locuin\u021be sociale n-o avem, c\u0103 prim\u0103riile nu s-au ocupat cu a\u0219a ceva \u2013 poate vor \u00eencepe, c\u0103 nevoie e, foarte mare. \u0218i atunci o s\u0103 vorbim \u0219i de O familie, o cas\u0103 \u2013 altfel va fi un segment extrem de redus, extrem de redus. (&#8230;) Este extrem de segmentat acest produs \u0219i la fel de segmentat\u0103 va trebui s\u0103 fie \u0219i oferta de case \u2013 altfel, va fi marginal\u201d, declara, s\u0103pt\u0103m\u00e2na trecut\u0103, reprezentanta Kiwi Finance. <\/p>\n","protected":false},"excerpt":{"rendered":"<p>UPDATE 2: \u00cen cadrul \u0219edin\u021bei de Guvern de pe 22 iulie 2020, Guvernul a adoptat un proiect de ordonan\u021b\u0103 de urgen\u021b\u0103 privind desf\u0103\u0219urarea programului Noua Cas\u0103 \u2013 fostul Prima Cas\u0103, dar schimbat, \u00eentre timp, \u00een O familie, o cas\u0103. Ini\u021biativa legislativ\u0103 nu impune restric\u021bii \u00een privin\u021ba vechimii imobilelor achizi\u021bionate printr-un credit cogarantat de c\u0103tre stat, [&hellip;]<\/p>\n","protected":false},"author":829,"featured_media":59301,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[263,259],"tags":[1967,1902,1347,1968,1410,1847,1966,1548,1411,451],"content_author":[],"class_list":["post-59300","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credite","category-stiri","tag-anca-bidian","tag-covid-19","tag-credite-ipotecare","tag-kiwi-finance","tag-newsletter","tag-o-familie-o-casa","tag-o-noua-casa","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>Schimbarea schimb\u0103rilor: programul \u201eO familie, o cas\u0103\u201d se va transforma \u00een \u201eNoua cas\u0103\u201d. 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