{"id":65919,"date":"2023-01-18T15:04:06","date_gmt":"2023-01-18T13:04:06","guid":{"rendered":"https:\/\/www.imobiliare.ro\/imoexpert\/?p=65919"},"modified":"2023-01-18T15:04:06","modified_gmt":"2023-01-18T13:04:06","slug":"ce-fac-cumparatorii-aflati-in-situatia-de-a-nu-mai-fi-finantabili-in-conditiile-in-care-au-semnat-promisiunea-de-vanzare-cumparare","status":"publish","type":"post","link":"https:\/\/www.imobiliare.ro\/imoexpert\/ce-fac-cumparatorii-aflati-in-situatia-de-a-nu-mai-fi-finantabili-in-conditiile-in-care-au-semnat-promisiunea-de-vanzare-cumparare_db\/","title":{"rendered":"Ce fac cump\u0103r\u0103torii afla\u021bi \u00een situa\u021bia de a nu mai fi finan\u021babili, \u00een condi\u021biile \u00een care au semnat promisiunea de v\u00e2nzare-cump\u0103rare a unei locuin\u021be?"},"content":{"rendered":"\n
\"\"<\/figure>\n\n\n\n

Primele efecte ale cre\u0219terii dob\u00e2nzilor, cre\u0219terii infla\u021biei \u0219i a crizei energetice se resimt deja \u00een pia\u021ba imobiliar\u0103. <\/strong>BNR a hot\u0103r\u00e2t \u00een prima \u0219edin\u021b\u0103 de politic\u0103 monetar\u0103 din acest an, majorarea dob\u00e2nzii de referin\u021b\u0103 cu 0,25%, p\u00e2n\u0103 la 7%, iar <\/strong>anali\u0219tii economici anticipeaz\u0103 c\u0103 dob\u00e2nzile nu vor sc\u0103dea repede. Astfel c\u0103 rom\u00e2nii care inten\u021bionau s\u0103 \u00ee\u0219i achizi\u021bioneze un apartament, trebuie s\u0103 se adapteze noilor condi\u021bii de creditare. Pe de alt\u0103 parte solu\u021bii exist\u0103, chiar dac\u0103 nu e cel mai fericit moment pe care pia\u021ba imobiliar\u0103 \u00eel traverseaz\u0103.<\/strong><\/p>\n\n\n\n

Chiar dac\u0103 unii cump\u0103r\u0103tori care au achitat avansuri \u0219i acum, \u00een condi\u021biile noului IRCC, care a ad\u0103ugat un procent \u0219i jum\u0103tate la dob\u00e2nda creditelor, s-au speriat, op\u021biuni exist\u0103, \u00eens\u0103 toate presupun ie\u0219irea din zona de confort mai mult dec\u00e2t \u00een trecut.<\/strong><\/p>\n\n\n\n

Dup\u0103 cum explic\u0103 C\u0103t\u0103lin Priscorni\u021b\u0103, fondatorul agen\u021biei Blitz,<\/strong> agen\u021bii imobiliari au prev\u0103zut deja, \u00eenc\u0103 de anul trecut, scenariul \u00een care ne afl\u0103m acum, a\u0219a c\u0103 i-au direc\u021bionat pe clien\u021bi spre brokerii de credite, pentru a-\u0219i bloca finan\u021barea de la banc\u0103. \u201cSunt b\u0103nci care permit blocarea dob\u00e2nzilor, astfel \u00eenc\u00e2t cump\u0103r\u0103torii s\u0103 poat\u0103 beneficia de dosar \u0219i de credit. Pe al\u021bii i-am sf\u0103tuit s\u0103 caute solu\u021bii de refinan\u021b\u0103ri poate de dob\u00e2nzi fixe.\u201d<\/p>\n\n\n\n

Op\u021biunile cump\u0103r\u0103torilor care se afl\u0103 azi \u00een situa\u021bia de a nu mai fi finan\u021babili, \u00een condi\u021biile \u00een care au contractat\/au promisiunea de v\u00e2nzare\/cump\u0103rare <\/strong><\/p>\n\n\n\n

Realitatea este c\u0103 rom\u00e2nii trebuie s\u0103 se acomodeze noilor condi\u021bii, s\u0103 fie mai precau\u021bi \u0219i cump\u0103ta\u021bi. Doru Iliescu, co-fondator DSA Advisor, brokerul de credite achizi\u021bionat de Imobiliare.ro<\/strong>, propune trei solu\u021bii pentru cei care se afl\u0103 azi \u00een situa\u021bia de a nu mai fi finan\u021babili \u00een condi\u021biile \u00een care au contractat sau au semnat o promisiune de v\u00e2nzare\/cump\u0103rare:<\/p>\n\n\n\n

 1<\/strong>. Solu\u021bia pe termen scurt. <\/strong>Aceasta se aplic\u0103 doar \u00een situa\u021bia \u00een care imobilul antecontractat ar fi finan\u021babil \u201cas we speak\u201d \u0219i ar fi posibil accesul la un credit cu dob\u00e2nd\u0103 fix\u0103 care nu a fost \u00eenc\u0103 ajustat\u0103 \u00een conformitate cu cre\u0219terea general\u0103 a dob\u00e2nzilor. Nu credem c\u0103 vom avea juc\u0103tori care s\u0103 conserve un asemenea pricing dincolo de februarie \u0219i asta doar din considerente de lupt\u0103 pentru cota de pia\u021b\u0103 \u0219i nu viz\u00e2nd profit real.<\/p>\n\n\n\n

2. <\/strong> Solu\u021bia standard.<\/strong> \u00cen cazul \u00een care, s\u0103 zicem, s-a achitat avansul de 15% din pre\u021bul achizi\u021biei anul trecut \u0219i cump\u0103r\u0103torul se \u00eencadra \u201cla limit\u0103\u201d la finan\u021barea de 85% necesar\u0103, probabil c\u0103 \u00een noile condi\u021bii de pre\u021b acesta nu se mai \u00eencadreaz\u0103 dec\u00e2t la 75%. Prin urmare va fi nevoie s\u0103 suplimenteze din surse proprii avansul cu \u00eenc\u0103 10% din pre\u021bul propriet\u0103\u021bii.<\/p>\n\n\n\n

3. <\/strong> Solu\u021bie excep\u021bional\u0103.<\/strong> Se mai poate \u00eent\u00e2mpla s\u0103 existe cump\u0103r\u0103tori care s\u0103 nu se mai \u00eencadreze la suma necesar\u0103 din cauz\u0103 c\u0103 mai au \u0219i alte rate care \u00eempov\u0103reaz\u0103 gradul de \u00eendatorare admis pentru creditor. Ace\u0219tia ar putea \u00eencerca s\u0103 refinan\u021beze facilit\u0103\u021bile de credit pe care le-au primit \u00een trecut cu prelungirea perioadei de creditare, sc\u0103z\u00e2nd astfel rata\/ ratele. \u00cen felul acesta scade presiunea pe gradul de \u00eendatorare \u0219i se poate g\u0103si o solu\u021bie pentru finan\u021barea achizi\u021biei.<\/p>\n\n\n\n

Pe l\u00e2ng\u0103 aceste solu\u021bii, Doru Iliescu aten\u021bioneaz\u0103 cump\u0103r\u0103torii s\u0103 fie mult mai aten\u021bi la promisiunile de v\u00e2nzare-cump\u0103rare pe care le semneaz\u0103. \u201cNoi recomand\u0103m tuturor clien\u021bilor no\u0219tri s\u0103 introduc\u0103 \u00eentotdeauna \u00een antecontract clauze care s\u0103 \u00eei protejeze \u0219i s\u0103 \u00eei ajute s\u0103 recupereze avansul pl\u0103tit \u00een cazul, nedorit, \u00een care creditul nu se poate acorda. Este adev\u0103rat c\u0103 nu acesta este obiectivul, ci achizi\u021bia unei propriet\u0103\u021bi, \u00eens\u0103 \u00een felul acesta, m\u0103car limit\u0103m pierderile \u0219i ne conserv\u0103m resursele \u00een a\u0219teptarea unor momente mai prielnice, care cu siguran\u021b\u0103 nu se vor l\u0103sa prea mult a\u0219teptate.\u201d<\/p>\n\n\n\n

\u00cen ceea ce prive\u0219te promisiunea de v\u00e2nzare-cump\u0103rare, \u0219i mai concret, din punct de vedere juridic, Alexandra Hila-Antiu, avocat \u00een cadrul biroului Hila Legal<\/strong>, spune c\u0103 rom\u00e2nii care inten\u021bioneaz\u0103 s\u0103 \u00ee\u0219i achizi\u021bioneze un apartament trebuie s\u0103 \u0219tie c\u0103 au dou\u0103 op\u021biuni: <\/p>\n\n\n\n

1.<\/strong> Op\u021biuni<\/strong>\/Solu\u021bii prev\u0103zute \u00een scris \u00een promisiunea de v\u00e2nzare-cump\u0103rare<\/strong> <\/p>\n\n\n\n

2.<\/strong> Op\u021biuni alternative, \u00een situa\u021bia \u00een care acestea nu s-au prev\u0103zut \u00een promisiunea de v\u00e2nzare-cump\u0103rare<\/strong>.<\/p>\n\n\n\n

Alexandra Hila-Antiu aten\u021bioneaz\u0103 c\u0103 \u00een prima categorie, se insereaz\u0103 \u00een promisiunea de v\u00e2nzare (la ini\u021biativa cump\u0103r\u0103torului, de regul\u0103) o clauz\u0103 care prevede posibilitatea promitentului – cump\u0103r\u0103tor de a se retrage din angajament \u00een situa\u021bia \u00een care nu ob\u021bine finan\u021barea din partea institu\u021biei bancare\/financiare. Se prevede, de asemenea c\u0103, o astfel de ipotez\u0103, ne\u021bin\u00e2nd de culpa cump\u0103r\u0103torului, \u00eei va da dreptul acestuia s\u0103 \u00ee\u0219i recupereze integral avansul pl\u0103tit v\u00e2nz\u0103torului. Totu\u0219i, dac\u0103 nu exist\u0103 inserat\u0103 aceast\u0103 clauz\u0103, avocata spune c\u0103 \u0219i \u00een acest caz, exist\u0103 dou\u0103 op\u021biuni: prima se refer\u0103 la negocierea restituirii avansului<\/strong> – total sau par\u021bial – cu v\u00e2nz\u0103torul, ori negocierea unei prelungiri a termenului pentru semnarea contractului final<\/strong> – termen p\u00e2n\u0103 la care cump\u0103r\u0103torul s\u0103 \u00ee\u0219i poate asigura o finan\u021bare din partea unei alte institu\u021bii sau s\u0103 \u00ee\u0219i g\u0103seasc\u0103 un nou loc de munc\u0103 (dac\u0103 aceasta a fost cauza pierderii finan\u021b\u0103rii).<\/p>\n\n\n\n

Iar cea de-a doua op\u021biune ar fi cesiunea promisiunii de v\u00e2nzare-cump\u0103rare<\/strong> (dac\u0103 nu a fost interzis\u0103 expres prin promisiune). Aceasta, la r\u00e2ndul ei, vine cu c\u00e2teva preciz\u0103ri, explic\u0103 avocata. \u201cDac\u0103 cesiunea a fost prev\u0103zut\u0103 ca o posibilitate \u00een cuprinsul promisiunii de v\u00e2nzare cump\u0103rare, \u00een sensul c\u0103 v\u00e2nz\u0103torul a consim\u021bit anticipat posibilitatea pentru cump\u0103r\u0103tor s\u0103 \u00ee\u0219i substituie un ter\u021b, atunci cesiunea \u00ee\u0219i va produce efectele de la data la care v\u00e2nz\u0103torul a fost notificat \u00een privin\u021ba cesiunii (f\u0103r\u0103 s\u0103 i se mai cear\u0103 acordul v\u00e2nz\u0103torului).<\/p>\n\n\n\n

Dac\u0103 cesiunea nu a fost prev\u0103zut\u0103 anticipat \u00een promisiunea de v\u00e2nzare-cump\u0103rare, pentru ca ea s\u0103 produc\u0103 efecte, este necesar ca v\u00e2nz\u0103torului s\u0103 i se solicite acordul \u0219i acesta s\u0103 accepte \u00een mod expres cesiunea. <\/p>\n\n\n\n

Cedentul (cump\u0103r\u0103torul ini\u021bial) va fi eliberat de obliga\u021biile sale fa\u021b\u0103 de v\u00e2nz\u0103tor din momentul \u00een care cesiunea \u0219i-a produs efectele (respectiv fie de la data notific\u0103rii v\u00e2nz\u0103torului, fie de la data acceptului din partea acestuia). <\/p>\n\n\n\n

Desigur, c\u0103 \u00een situa\u021bia\u00a0cesion\u0103rii promisiunii de v\u00e2nzare-cump\u0103rare, cedentul (cump\u0103r\u0103torul ini\u021bial) va negocia cu cesionarul (noul cump\u0103r\u0103tor) recuperarea avansului de la acesta din urm\u0103,\u201d Alexandra Hila-Antiu, avocat \u00een cadrul biroului Hila Legal. \u00a0<\/p>\n\n\n\n

Este acum momentul s\u0103 achizi\u021bionezi o locuin\u021b\u0103?<\/strong><\/p>\n\n\n\n

Ceea ce este clar, \u00een perioada economic\u0103 pe care o travers\u0103m, e nevoie de mai mult\u0103 aten\u021bie pentru orice tip de achizi\u021bie. \u0218i, aparte de toate m\u0103surile de precau\u021bie pe care orice viitor proprietar trebuie s\u0103 le ia \u00een calcul, referitor la \u00eentrebarea dac\u0103 este sau nu momentul s\u0103 achizi\u021bionezi o locuin\u021b\u0103 \u00een urm\u0103toarea perioad\u0103, Daniel Crainic, directorul de marketing al Imobiliare.ro,<\/strong> spune c\u0103 cel mai bun moment s\u0103 cumperi o proprietate este acela atunci c\u00e2nd \u00ee\u021bi permi\u021bi. \u201c\u00centr-un context economic, precum cel pe care \u00eel travers\u0103m, dac\u0103 dispui doar de avansul minim de 15% \u0219i atingi gradul maximum de \u00eendatorare permis de banc\u0103, probabil nu este cel mai bun moment s\u0103 achizi\u021bionezi o locuin\u021b\u0103. \u00cen acest caz, cea mai buna solu\u021bie este s\u0103 mai a\u0219tep\u021bi, s\u0103 acumulezi avansul, pentru a nu te trezi \u00eentr-o situa\u021bie pe care nu \u021bi-o permi\u021bi. Pe de alt\u0103 parte, dac\u0103 ai contractat la un pre\u021b foarte bun, trebuie s\u0103 fii con\u0219tient c\u0103 pre\u021bul pe care l-ai oferit pentru o proprietate achizi\u021bonat\u0103, spre exemplu \u00een anul 2019 sau 2020, nu va fi acela\u0219i \u00een anul 2023 si e pu\u021bin probabil s\u0103 \u00eel mai ob\u021bii vreodat\u0103. \u00cen acest caz, sfatul pe care l-a\u0219 da este s\u0103 faci tot ce po\u021bi pentru a cre\u0219te avansul. Nu \u00een ultimul r\u00e2nd, este o perioad\u0103 cu multe oportunit\u0103\u021bi \u0219i dac\u0103 de\u021bii o sum\u0103 de bani, o idee foarte bun\u0103 este s\u0103 cau\u021bi activ propriet\u0103\u021bi \u0219i s\u0103 ofertezi.\u201d<\/p>\n","protected":false},"excerpt":{"rendered":"

Primele efecte ale cre\u0219terii dob\u00e2nzilor, cre\u0219terii infla\u021biei \u0219i a crizei energetice se resimt deja \u00een pia\u021ba imobiliar\u0103. BNR a hot\u0103r\u00e2t \u00een prima \u0219edin\u021b\u0103 de politic\u0103 monetar\u0103 din acest an, majorarea dob\u00e2nzii de referin\u021b\u0103 cu 0,25%, p\u00e2n\u0103 la 7%, iar anali\u0219tii economici anticipeaz\u0103 c\u0103 dob\u00e2nzile nu vor sc\u0103dea repede. Astfel c\u0103 rom\u00e2nii care inten\u021bionau s\u0103 \u00ee\u0219i […]<\/p>\n","protected":false},"author":853852,"featured_media":65920,"comment_status":"open","ping_status":"open","sticky":true,"template":"","format":"standard","meta":{"footnotes":""},"categories":[263,259],"tags":[282,2126,2125],"content_author":[],"class_list":{"0":"post-65919","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-credite","8":"category-stiri","9":"tag-locuinta","10":"tag-sfaturi-juridice","11":"tag-solutii-finantare"},"yoast_head":"\nCe fac cump\u0103r\u0103torii afla\u021bi \u00een situa\u021bia de a nu mai fi finan\u021babili, \u00een condi\u021biile \u00een care au semnat promisiunea de v\u00e2nzare-cump\u0103rare a unei locuin\u021be? - Credite, \u0218tiri - ImoExpert<\/title>\n<meta name=\"description\" content=\"Primele efecte ale cre\u0219terii dob\u00e2nzilor, cre\u0219terii infla\u021biei \u0219i a crizei energetice se resimt deja \u00een pia\u021ba imobiliar\u0103. 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