{"id":66073,"date":"2023-02-28T11:37:40","date_gmt":"2023-02-28T09:37:40","guid":{"rendered":"https:\/\/www.imobiliare.ro\/imoexpert\/?p=66073"},"modified":"2023-02-28T11:37:40","modified_gmt":"2023-02-28T09:37:40","slug":"creditul-o-solutie-viabila-si-pentru-un-investitor","status":"publish","type":"post","link":"https:\/\/www.imobiliare.ro\/imoexpert\/creditul-o-solutie-viabila-si-pentru-un-investitor_db\/","title":{"rendered":"Creditul, o solu\u021bie viabil\u0103 \u0219i pentru un investitor"},"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\/02\/Untitled-design-60-1024x576.png\" alt=\"\" class=\"wp-image-66072\" srcset=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2023\/02\/Untitled-design-60-1024x576.png 1024w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2023\/02\/Untitled-design-60-300x169.png 300w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2023\/02\/Untitled-design-60-768x432.png 768w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2023\/02\/Untitled-design-60.png 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>Pentru o achizi\u021bie \u00een scop investi\u021bional, cea mai viabil\u0103 \u0219i, totodat\u0103, cea mai frecvent utilizat\u0103 solu\u021bie de finan\u021bare bancar\u0103 o reprezint\u0103 creditele ipotecare sau imobiliare de tip standard. La modul teoretic, exist\u0103 \u0219i posibilitatea unei achizi\u021bii prin programul Noua Cas\u0103, \u00eens\u0103 aceast\u0103 variant\u0103 este pu\u021bin probabil\u0103 pentru un investitor, dat fiind c\u0103 un cump\u0103r\u0103tor va dori, \u00een mod normal, s\u0103-\u0219i cumpere propria locuin\u021b\u0103 mai \u00eenainte de a lua \u00een calcul o investi\u021bie. Iat\u0103 ce trebuie s\u0103 ai \u00een vedere la contractarea unui credit:<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_83 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-6a3272dfad1cf\" 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-6a3272dfad1cf\"  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\/creditul-o-solutie-viabila-si-pentru-un-investitor_db\/#1_Avansul\" >1. Avansul<\/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\/creditul-o-solutie-viabila-si-pentru-un-investitor_db\/#2_Dobanda\" >2. Dob\u00e2nda<\/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\/creditul-o-solutie-viabila-si-pentru-un-investitor_db\/#3_Gradul_de_indatorare\" >3. Gradul de \u00eendatorare<\/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\/creditul-o-solutie-viabila-si-pentru-un-investitor_db\/#4_Perioada_de_rambursare\" >4. Perioada de rambursare<\/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\/creditul-o-solutie-viabila-si-pentru-un-investitor_db\/#5_Rentabilitatea\" >5. Rentabilitatea<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1_Avansul\"><\/span>1. Avansul<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u00cen momentul de fa\u021b\u0103, ofertele standard de creditare din portofoliile b\u0103ncilor \u00eencep de la un avans minim acceptat de 15% (spre deosebire de programul Prima Cas\u0103, pentru care cerin\u021bele pornesc de la un minimum de 5%). Ca \u0219i \u00een cazul unei achizi\u021bii spre folosin\u021ba proprie, \u00eens\u0103, cu c\u00e2t vei dispune de un avans mai mare, cu at\u00e2t va fi mai bine, \u00eentruc\u00e2t suma respectiv\u0103 va fi \u201escutit\u0103\u201d de costurile adi\u021bionale ale finan\u021b\u0103rii, ce se scad din randamentul ob\u021binut. Astfel, dac\u0103 vrei s\u0103 cumperi un imobil cu un pre\u021b de 40.000 de euro, ar trebui s\u0103 dispui de cel pu\u021bin 6.000 de euro din fonduri proprii pentru avans.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2_Dobanda\"><\/span>2. Dob\u00e2nda<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Un avantaj important pentru investitori este c\u0103, \u00een momentul de fa\u021b\u0103, dob\u00e2nzile pentru \u00eemprumuturile standard sunt comparabile cu cele practicate \u00een cazul creditelor co-garantate de c\u0103tre stat, cele mai bune oferte din pia\u021b\u0103 variind \u00een jurul unei valori de 8% \u00een ceea ce prive\u0219te <a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/imoexpert\/ce-trebuie-sa-stii-despre-dobanda-anuala-efectiva_db\/\">Dob\u00e2nda Anual\u0103 Efectiv\u0103 (DAE)<\/a>. De regul\u0103, dob\u00e2nda practicat\u0103 pentru creditele destinate achizi\u021biei de locuin\u021be este variabil\u0103, fie \u00een func\u021bie de indicatorul ROBOR (\u00een cazul creditelor \u00een lei), fie \u00een func\u021bie de EURIBOR (\u00een<br>cazul celor \u00een euro). Al\u0103turi de posibilele oscila\u021bii valutare (atunci c\u00e2nd creditul contractat este \u00een alt\u0103 moned\u0103 dec\u00e2t \u00een cea na\u021bional\u0103), dob\u00e2nda variabil\u0103 reprezint\u0103 un important factor de risc pentru un datornic, fiind foarte posibil ca aceasta s\u0103 duc\u0103 la cre\u0219terea ratei lunare de plat\u0103 pe durata ramburs\u0103rii creditului.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"3_Gradul_de_indatorare\"><\/span>3. Gradul de \u00eendatorare<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Gradul de \u00eendatorare reprezint\u0103 ponderea de\u021binut\u0103 de rata lunar\u0103 de plat\u0103 din venitul total al celui (sau celor) care contracteaz\u0103 un credit. \u00cen prezent, nivelul maxim admis pentru un credit ipotecar\/imobiliar este, pe pia\u021ba autohton\u0103, de circa 60% (cifra exact\u0103 variaz\u0103 \u00een func\u021bie de banc\u0103). Ca \u0219i \u00een cazul unui \u00eemprumut contractat de c\u0103tre un cump\u0103r\u0103tor utilizator final, atingerea acestui prag nu este deloc recomandat\u0103. Un bun \u201eprincipiu\u201d de care s\u0103 \u021bii cont ar fi s\u0103-\u021bi permi\u021bi s\u0103 pl\u0103te\u0219ti \u0219i pe cont propriu rata pentru respectivul credit, nelu\u00e2nd \u00een seam\u0103 chiria generat\u0103 de respectiva proprietate, pentru a evita astfel riscul de a ajunge \u00een dificult\u0103\u021bi financiare.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"4_Perioada_de_rambursare\"><\/span>4. Perioada de rambursare<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u00cen general vorbind, cu c\u00e2t vei opta pentru un interval mai redus de restituire a creditului, cu at\u00e2t costurile totale ale finan\u021b\u0103rii vor sc\u0103dea \u2013 vei pl\u0103ti, adic\u0103, mai pu\u021bine dob\u00e2nzi. O perioad\u0103 mai redus\u0103 de rambursare \u00eenseamn\u0103, \u00eens\u0103, c\u0103 \u00een fiecare lun\u0103 vei avea de pl\u0103tit o rat\u0103 mai mare la banc\u0103.  \u00centre cei doi indicatori trebuie g\u0103sit, a\u0219adar, un echilibru optim pentru fiecare situa\u021bie \u00een parte, \u021bin\u00e2nd cont at\u00e2t de valoarea chiriei pe care o po\u021bi ob\u021bine (la modul realist) pentru o anumit\u0103 proprietate, c\u00e2t \u0219i de disponibilitatea ta actual\u0103 de plat\u0103.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"5_Rentabilitatea\"><\/span>5. Rentabilitatea<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>&nbsp;Pentru a calcula valoarea unei propriet\u0103\u021bi imobiliare este recomandat s\u0103 folose\u0219ti formula: <\/p>\n\n\n\n<p><strong><em>Chiria lunar\u0103 x 12 luni x Timp recuperare investi\u021bie, din care scazi 20% pentru plata taxelor, repara\u021bii uzura sau faptul c\u0103 gradul de ocupare&nbsp;nu&nbsp;este 100%.<\/em><\/strong><\/p>\n\n\n\n<p>Pentru a recupera o investi\u021bie \u00een imobiliare este recomandat\u0103 o perioad\u0103 \u00eentre 15 \u0219i 17 ani.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Pentru o achizi\u021bie \u00een scop investi\u021bional, cea mai viabil\u0103 \u0219i, totodat\u0103, cea mai frecvent utilizat\u0103 solu\u021bie de finan\u021bare bancar\u0103 o reprezint\u0103 creditele ipotecare sau imobiliare de tip standard. La modul teoretic, exist\u0103 \u0219i posibilitatea unei achizi\u021bii prin programul Noua Cas\u0103, \u00eens\u0103 aceast\u0103 variant\u0103 este pu\u021bin probabil\u0103 pentru un investitor, dat fiind c\u0103 un cump\u0103r\u0103tor va [&hellip;]<\/p>\n","protected":false},"author":842160,"featured_media":66072,"comment_status":"open","ping_status":"open","sticky":true,"template":"","format":"standard","meta":{"footnotes":""},"categories":[263,259],"tags":[],"content_author":[],"class_list":{"0":"post-66073","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-credite","8":"category-stiri"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Creditul, o solu\u021bie viabil\u0103 \u0219i pentru un investitor - Credite, \u0218tiri - ImoExpert<\/title>\n<meta name=\"description\" content=\"Pentru o achizi\u021bie \u00een scop 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