{"id":66275,"date":"2023-04-10T13:38:36","date_gmt":"2023-04-10T10:38:36","guid":{"rendered":"https:\/\/www.imobiliare.ro\/imoexpert\/?p=66275"},"modified":"2023-04-10T13:38:36","modified_gmt":"2023-04-10T10:38:36","slug":"ce-rata-lunara-poti-avea-pentru-un-imobil-de-80-000-de-euro","status":"publish","type":"post","link":"https:\/\/www.imobiliare.ro\/imoexpert\/ce-rata-lunara-poti-avea-pentru-un-imobil-de-80-000-de-euro_db\/","title":{"rendered":"Ce rat\u0103 lunar\u0103 po\u021bi avea pentru un imobil de 80.\u200b000 de euro?"},"content":{"rendered":"\n<p><em><strong>Speciali\u0219tii recomand\u0103 \u00eencadrarea \u00eentr-un grad de \u00eendatorare sensibil mai mic dec\u00e2t nivelul maxim permis de c\u0103tre b\u0103nci.<\/strong><\/em><\/p>\n\n\n\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\/04\/Cover-33-1024x576.png\" alt=\"\" class=\"wp-image-66276\" srcset=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2023\/04\/Cover-33-1024x576.png 1024w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2023\/04\/Cover-33-300x169.png 300w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2023\/04\/Cover-33-768x432.png 768w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2023\/04\/Cover-33.png 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>Dac\u0103 te g\u00e2nde\u0219ti la achizi\u021bia unei locuin\u021be, una dintre primele \u00eentreb\u0103ri la care ar trebui s\u0103 cau\u021bi r\u0103spuns este \u201eCe fel de cas\u0103 \u00eemi permit?\u201d, mai mult dec\u00e2t \u201eCe fel de cas\u0103 vreau?\u201d. Pentru aceasta, po\u021bi folosi ca reper instrumentul Imobiliare.ro <strong><em><a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/credite-ipotecare?term=hp\" target=\"_blank\" rel=\"noreferrer noopener\">Calculator credit ipotecar \u0219i simulator rate sau un \u00eemprumut ipotecar<\/a><\/em><\/strong>. De men\u021bionat este \u00eens\u0103 c\u0103, de\u0219i b\u0103ncile permit, de regul\u0103, un grad de \u00eendatorare de peste 50%, speciali\u0219tii din pia\u021b\u0103 recomand\u0103, pentru un plus de siguran\u021b\u0103, ca nivelul ratei la cas\u0103 s\u0103 nu dep\u0103\u0219easc\u0103 un sfert, maximum o treime din veniturile tale lunare.<\/p>\n\n\n\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-69cf3f803bbc1\" 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-69cf3f803bbc1\"  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\/ce-rata-lunara-poti-avea-pentru-un-imobil-de-80-000-de-euro_db\/#Cat_poti_plati_lunar_pentru_un_imobil_de_80000_de_euro\" >C\u00e2t po\u021bi pl\u0103ti lunar pentru un imobil de 80.000 de euro?<\/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\/ce-rata-lunara-poti-avea-pentru-un-imobil-de-80-000-de-euro_db\/#Ce_trebuie_sa_stii_pentru_creditele_ipotecare_in_lei\" >Ce trebuie s\u0103 \u0219tii pentru creditele ipotecare \u00een lei<\/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\/ce-rata-lunara-poti-avea-pentru-un-imobil-de-80-000-de-euro_db\/#Ce_trebuie_sa_stii_pentru_creditele_ipotecare_in_euro\" >Ce trebuie s\u0103 \u0219tii pentru creditele ipotecare \u00een euro<\/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\/ce-rata-lunara-poti-avea-pentru-un-imobil-de-80-000-de-euro_db\/#Ce_alegi_lei_sau_euro\" >Ce alegi: lei sau euro?<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Cat_poti_plati_lunar_pentru_un_imobil_de_80000_de_euro\"><\/span>C\u00e2t po\u021bi pl\u0103ti lunar pentru un imobil de 80.000 de euro?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Pentru o proprietate \u00een valoare de 80.000 de euro, cu un avans de 15% \u0219i cu o rat\u0103 variabil\u0103 a dob\u00e2nzii de 6,9%, rata lunar\u0103 pentru un astfel de credit poate ajunge la 2.211 lei. \u00cen acelea\u0219i condi\u021bii, \u00eens\u0103 cu un avans de 30%, rata lunar\u0103 poate sc\u0103dea p\u00e2n\u0103 la 1.821 lei, \u00een timp ce cu un avans de 50%, po\u021bi pl\u0103ti pentru un astfel de credit p\u00e2n\u0103 la 1.301 lei.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Ce_trebuie_sa_stii_pentru_creditele_ipotecare_in_lei\"><\/span>Ce trebuie s\u0103 \u0219tii pentru creditele ipotecare \u00een lei<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u00cen cele mai multe dintre cazuri, institu\u021biile financiare \u00ee\u021bi vor solicita un avans mult mai mic (de minim 15%) pentru creditele \u00een lei, comparativ cu cele \u00een euro. Din punct de vedere al riscurilor, ai un control mult mai mare asupra unui credit \u00een lei, deoarece nu va trebui s\u0103 te preocupi constant de evolu\u021bia cursului de schimb. \u00cen cele din urm\u0103, \u00een pia\u021ba financiar\u0103 exist\u0103 mai multe op\u021biuni de creditare \u00een lei spre deosebire de alte valute.<\/p>\n\n\n\n<p>Pe de alt\u0103 parte, creditele \u00een lei pot veni \u0219i cu dezavantaje. Dup\u0103 cum ai v\u0103zut \u00een ghidul anterior, dob\u00e2nzile variabile la creditele \u00een lei sunt mai fluctuante, deoarece sunt influen\u021bate de indicele ROBOR sau IRCC. \u00cens\u0103 aceast\u0103 situa\u021bie poate fi rezolvat\u0103 prin alegerea unui credit cu dob\u00e2nd\u0103 fix\u0103.<\/p>\n\n\n\n<p>Pentru a ob\u021bine mai multe informa\u021bii cu privire la costurile asociate unui credit ipotecar, <a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/credite-ipotecare?term=hp\" target=\"_blank\" rel=\"noreferrer noopener\">po\u021bi apela cu \u00eencredere la expertiza unui broker de credite<\/a>. Cu ajutorul unui astfel de specialist, vei putea g\u0103si gratuit solu\u021bia de refinan\u021bare ideal\u0103 pentru obiectivele tale financiare.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Ce_trebuie_sa_stii_pentru_creditele_ipotecare_in_euro\"><\/span>Ce trebuie s\u0103 \u0219tii pentru creditele ipotecare \u00een euro<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Acest tip de credit a fost foarte popular p\u00e2n\u0103 \u00een anul 2008 (datorit\u0103 dob\u00e2nzilor mai mici), c\u00e2nd banca central\u0103 a impus noi cerin\u021be. Astfel, din acest punct, \u00een pia\u021b\u0103 au \u00eenceput s\u0103 apar\u0103 mult mai pu\u021bine oferte \u00een valut\u0103 str\u0103in\u0103, focusul fiind de pe moneda na\u021bional\u0103. Ba chiar mai mult, aleg\u00e2nd un credit \u00een euro te supui la un nivel mai mare de risc, deoarece po\u021bi fi afectat de modific\u0103rile cursului de schimb.<\/p>\n\n\n\n<p>Un alt aspect de care trebuie s\u0103 \u021bii cont este faptul c\u0103 pentru un credit \u00een alt\u0103 moned\u0103 dec\u00e2t cea na\u021bional\u0103, avansul minim este de cel pu\u021bin 25%. \u00cen plus, din cauza gradului de \u00eendatorare aproape la jum\u0103tate fa\u021b\u0103 de creditele \u00een moneda na\u021bional\u0103, creditele \u00een euro nu sunt la fel de atractive pentru c\u0103 nu permit finan\u021barea achizi\u021biilor mai scumpe.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Ce_alegi_lei_sau_euro\"><\/span>Ce alegi: lei sau euro?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Regula principal\u0103 r\u0103m\u00e2ne aceea\u0219i: creditele se aleg \u00een func\u021bie de moneda \u00een care \u00ee\u021bi \u00eencasezi veniturile. A\u0219adar, dac\u0103 \u00eencasezi venituri \u00een euro, alegerea ideal\u0103 pentru aceast\u0103 situa\u021bie poate fi un credit \u00een euro. \u00cens\u0103, dac\u0103 veniturile tale sunt disponibile \u00een lei, este recomandat s\u0103 alegi un credit \u00een lei.&nbsp;<\/p>\n\n\n\n<p><strong><a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/credite-ipotecare?term=hp\">\u00cen cazul \u00een care dore\u0219ti o simulare de credit \u00een lei sau \u00een euro, solicit\u0103 o \u00eent\u00e2lnire cu un broker de credite direct pe Imobiliare.ro!<\/a><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Speciali\u0219tii recomand\u0103 \u00eencadrarea \u00eentr-un grad de \u00eendatorare sensibil mai mic dec\u00e2t nivelul maxim permis de c\u0103tre b\u0103nci. Dac\u0103 te g\u00e2nde\u0219ti la achizi\u021bia unei locuin\u021be, una dintre primele \u00eentreb\u0103ri la care ar trebui s\u0103 cau\u021bi r\u0103spuns este \u201eCe fel de cas\u0103 \u00eemi permit?\u201d, mai mult dec\u00e2t \u201eCe fel de cas\u0103 vreau?\u201d. Pentru aceasta, po\u021bi folosi ca [&hellip;]<\/p>\n","protected":false},"author":842160,"featured_media":66276,"comment_status":"open","ping_status":"open","sticky":true,"template":"","format":"standard","meta":{"footnotes":""},"categories":[259],"tags":[],"content_author":[],"class_list":["post-66275","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-stiri"],"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>Ce rat\u0103 lunar\u0103 po\u021bi avea pentru un imobil de 80.\u200b000 de euro? - \u0218tiri - ImoExpert<\/title>\n<meta name=\"description\" content=\"Speciali\u0219tii recomand\u0103 \u00eencadrarea \u00eentr-un grad de \u00eendatorare sensibil mai mic dec\u00e2t nivelul maxim permis de c\u0103tre b\u0103nci. 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