{"id":65967,"date":"2023-01-26T09:39:51","date_gmt":"2023-01-26T07:39:51","guid":{"rendered":"https:\/\/www.imobiliare.ro\/imoexpert\/?p=65967"},"modified":"2023-01-26T09:39:51","modified_gmt":"2023-01-26T07:39:51","slug":"de-cati-ani-de-munca-ai-nevoie-pentru-a-deveni-proprietar-in-romania-fara-finantare-de-la-banca","status":"publish","type":"post","link":"https:\/\/www.imobiliare.ro\/imoexpert\/de-cati-ani-de-munca-ai-nevoie-pentru-a-deveni-proprietar-in-romania-fara-finantare-de-la-banca_db\/","title":{"rendered":"De c\u00e2\u021bi ani de munc\u0103 ai nevoie pentru a deveni proprietar \u00een Rom\u00e2nia, f\u0103r\u0103 finan\u021bare de la banc\u0103?"},"content":{"rendered":"\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2023\/01\/studiu-raport-2-1024x576.jpeg\" alt=\"\" class=\"wp-image-65974\" srcset=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2023\/01\/studiu-raport-2-1024x576.jpeg 1024w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2023\/01\/studiu-raport-2-300x169.jpeg 300w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2023\/01\/studiu-raport-2-768x432.jpeg 768w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2023\/01\/studiu-raport-2.jpeg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p><strong>Chiar dac\u0103 volumul creditelor pentru locuin\u021be acordate rom\u00e2nilor s-a majorat cu aproximativ 7.3% \u00een decursul anului 2022 (potrivit datelor Imobiliare.ro), o bun\u0103 parte dintre cei care \u00ee\u0219i achizi\u021bioneaz\u0103 o locuin\u021b\u0103 aleg s\u0103 o pl\u0103teasc\u0103 cu bani din fonduri proprii. Perioada de timp necesar\u0103 pentru a str\u00e2nge bani de cas\u0103 difer\u0103 \u00een func\u021bie de venituri \u0219i de regiune, se arat\u0103 \u00een cel mai nou raport asupra stabilit\u0103\u021bii financiare, emis de BNR. La nivel na\u021bional, este nevoie de aproximativ 11 ani pentru un apartament de dou\u0103 camere, \u00een timp ce la nivel interna\u021bional, timpul necesar achizi\u021bion\u0103rii unei locuin\u021be, f\u0103r\u0103 un \u00eemprumut la banc\u0103, este mai \u00eendelungat.<\/strong><\/p>\n\n\n\n<p>Timpul necesar achizi\u021bion\u0103rii unei locuin\u021be cu 2 camere (55 mp), variaz\u0103 de la o zon\u0103 la alta. Raportul asupra stabilit\u0103\u021bii financiare, emis de BNR, arat\u0103 c\u0103 un <strong>clujean are nevoie de aproximativ 11 ani <\/strong>pentru achizi\u021bia unei locuin\u021be f\u0103r\u0103 finan\u021bare de la b\u0103nci (conform evalu\u0103rii aferente lunii septembrie 2022). Aceast\u0103 evolu\u021bie survine pe fondul diferen\u021bei considerabile dintre ritmul de majorare a pre\u021burilor imobiliare \u0219i ritmul de cre\u0219tere a veniturilor popula\u021biei, \u00eentruc\u00e2t pre\u021burile imobiliare au crescut \u00eentr-un ritm mult mai accelerat comparativ cu veniturile, se explic\u0103 \u00een raport.<br>\u00cen contrast, \u00een jude\u021be precum<strong> Giurgiu, indicatorul nu dep\u0103\u0219e\u0219te valoarea de \u0219ase ani<\/strong>. \u00cen plan interna\u021bional, principalele centre urbane din Rom\u00e2nia se situeaz\u0103 sub valorile indicatorului calculat pentru capitalele \u021b\u0103rilor vecine. Astfel, pentru achizi\u021bia unei locuin\u021be de 55 mp f\u0103r\u0103 a contracta un credit imobiliar sunt necesari aproape <strong>18 ani \u00een Praga, \u00een jur de 15 ani \u00een Budapesta \u0219i \u00een Var\u0219ovia, iar aproximativ 12 ani \u00een Viena.<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped wp-block-gallery-1 is-layout-flex wp-block-gallery-is-layout-flex\">\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"487\" data-id=\"65971\" src=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2023\/01\/Screenshot-2023-01-26-at-09.24.06-1-1024x487.jpg\" alt=\"\" class=\"wp-image-65971\" srcset=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2023\/01\/Screenshot-2023-01-26-at-09.24.06-1-1024x487.jpg 1024w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2023\/01\/Screenshot-2023-01-26-at-09.24.06-1-300x143.jpg 300w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2023\/01\/Screenshot-2023-01-26-at-09.24.06-1-768x366.jpg 768w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2023\/01\/Screenshot-2023-01-26-at-09.24.06-1-1536x731.jpg 1536w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2023\/01\/Screenshot-2023-01-26-at-09.24.06-1.jpg 1996w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/figure>\n\n\n\n<p>Totodat\u0103 cel mai nou raport asupra stabilit\u0103\u021bii financiare, emis de BNR, atrage aten\u021bia asupra stabilit\u0103\u021bii economice \u0219i a vulnerabilit\u0103\u021bilor din pia\u021b\u0103. Principalele motive enumerate \u00een raport sunt cre\u0219terea incertitudinilor privind evolu\u021biile economice \u0219i financiare, pe fondul accentu\u0103rii tensiunilor geopolitice \u0219i continu\u0103rii r\u0103zboiului din Ucraina, precum \u0219i al \u00een\u0103spririi condi\u021biilor financiare \u00een contextul proceselor de reajustare a conduitelor de politic\u0103 monetar\u0103 ale b\u0103ncilor centrale la nivel global.<\/p>\n\n\n\n<p>Raportul mai pune \u00een eviden\u021b\u0103 diferen\u021be semnificative \u00een r\u00e2ndul principalelor ora\u0219e din Rom\u00e2nia, astfel, \u00een Bucure\u0219ti \u0219i Timi\u0219oara <strong>activele imobiliare reziden\u021biale sunt subevaluate, \u00een timp ce \u00een Cluj-Napoca \u0219i Bra\u0219ov, sunt supraevaluate, iar \u00een Constan\u021ba sunt corect evaluate<\/strong>. Mai mult dec\u00e2t at\u00e2t, potrivit datelor, un sfert din totalul tranzac\u021biilor imobiliare sunt \u00een Bucure\u0219ti, iar aproximativ 28 la sut\u0103 din tranzac\u021bii se concentreaz\u0103 \u00een principalele centre regionale din \u021bar\u0103, respectiv: Cluj, Bra\u0219ov, Timi\u0219, Constan\u021ba \u0219i Ia\u0219i.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"487\" src=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2023\/01\/Screenshot-2023-01-26-at-09.24.26-1024x487.jpg\" alt=\"\" class=\"wp-image-65970\" srcset=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2023\/01\/Screenshot-2023-01-26-at-09.24.26-1024x487.jpg 1024w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2023\/01\/Screenshot-2023-01-26-at-09.24.26-300x143.jpg 300w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2023\/01\/Screenshot-2023-01-26-at-09.24.26-768x365.jpg 768w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2023\/01\/Screenshot-2023-01-26-at-09.24.26-1536x730.jpg 1536w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2023\/01\/Screenshot-2023-01-26-at-09.24.26.jpg 1996w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>\u00cen ceea ce prive\u0219te pre\u021burile din domeniul reziden\u021bial, datele centralizate de BNR, arat\u0103 c\u0103 acestea au crescut \u00een Rom\u00e2nia \u00een prima jum\u0103tate din anul 2022 (+8,5 la sut\u0103 \u00een termeni anuali), men\u021bin\u00e2ndu-se \u00eens\u0103 la cel mai redus nivel din regiune \u0219i, totodat\u0103, sub media Uniunii Europene (+10 la sut\u0103) \u0219i a celei aferente zonei euro (+9,3 la sut\u0103). Totodat\u0103, pe <strong>parcursul ultimilor 10 ani, dinamica pre\u021burilor propriet\u0103\u021bilor reziden\u021biale din Rom\u00e2nia a fost mai redus\u0103 comparativ cu cea a pre\u021burilor din regiune.<\/strong><\/p>\n\n\n\n<p>Concluziile raportului arat\u0103 c\u0103 <strong>evolu\u021biile pre\u021burilor din perioada urm\u0103toare depind de o serie de factori precum condi\u021biile macroeconomice, \u00een\u0103sprirea generalizat\u0103 a condi\u021biilor de finan\u021bare pe fondul cre\u0219terii ratelor de dob\u00e2nd\u0103 \u0219i majorarea incertitudinilor \u00een noul context geopolitic. <\/strong>Ace\u0219tia sunt de natur\u0103 s\u0103 diminueze cererea poten\u021bial\u0103 din partea popula\u021biei \u0219i, implicit, s\u0103 tempereze cre\u0219terea pre\u021burilor imobiliare.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Chiar dac\u0103 volumul creditelor pentru locuin\u021be acordate rom\u00e2nilor s-a majorat cu aproximativ 7.3% \u00een decursul anului 2022 (potrivit datelor Imobiliare.ro), o bun\u0103 parte dintre cei care \u00ee\u0219i achizi\u021bioneaz\u0103 o locuin\u021b\u0103 aleg s\u0103 o pl\u0103teasc\u0103 cu bani din fonduri proprii. Perioada de timp necesar\u0103 pentru a str\u00e2nge bani de cas\u0103 difer\u0103 \u00een func\u021bie de venituri \u0219i [&hellip;]<\/p>\n","protected":false},"author":853852,"featured_media":65974,"comment_status":"open","ping_status":"open","sticky":true,"template":"","format":"standard","meta":{"footnotes":""},"categories":[259],"tags":[2127],"content_author":[],"class_list":["post-65967","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-stiri","tag-achizitie-locuinta-fara-credit"],"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>De c\u00e2\u021bi ani de munc\u0103 ai nevoie pentru a deveni proprietar \u00een Rom\u00e2nia, f\u0103r\u0103 finan\u021bare de la banc\u0103? - \u0218tiri - ImoExpert<\/title>\n<meta name=\"description\" content=\"Chiar dac\u0103 volumul creditelor pentru locuin\u021be acordate 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