{"id":68392,"date":"2023-12-18T14:27:18","date_gmt":"2023-12-18T12:27:18","guid":{"rendered":"https:\/\/www.imobiliare.ro\/imoexpert\/?p=68392"},"modified":"2023-12-18T14:27:18","modified_gmt":"2023-12-18T12:27:18","slug":"credit-ipotecar-standard-sau-noua-casa-cat-de-atractive-sunt-creditele-pe-care-le-poti-lua-prin-acest-program","status":"publish","type":"post","link":"https:\/\/www.imobiliare.ro\/imoexpert\/credit-ipotecar-standard-sau-noua-casa-cat-de-atractive-sunt-creditele-pe-care-le-poti-lua-prin-acest-program_db\/","title":{"rendered":"Credit ipotecar standard sau Noua Cas\u0103. C\u00e2t de atractive sunt creditele pe care le po\u021bi lua prin acest program?"},"content":{"rendered":"\n
\"\"<\/figure>\n\n\n\n

Ini\u021bial l-am cunoscut sub numele de Prima Cas\u0103, programul guvernamental g\u00e2ndit pentru a salva pia\u021ba imobiliar\u0103 din criz\u0103. De-a lungul ultimilor 15 ani, a trecut printr-o serie de transform\u0103ri – de la plafoane reduse treptat la condi\u021bii de eligibilitate reg\u00e2ndite – pentru ca \u00een prezent s\u0103 se deruleze sub denumirea Noua Cas\u0103. <\/strong><\/p>\n\n\n\n

Num\u0103rul celor care apeleaz\u0103 la acest program pare s\u0103 fie \u00een sc\u0103dere, la fel \u0219i atractivitatea sa \u00een compara\u021bie cu alte oferte de credite ipotecare puse de b\u0103nci la dispozi\u021bia clien\u021bilor. Anul trecut, plafonul alocat programului, de 1,5 miliarde de lei, nu a fost epuizat pentru prima oar\u0103 de la lansarea sa \u00een 2009, ci cheltuit doar \u00een propor\u021bie de circa 70%.<\/p>\n\n\n\n

Mul\u021bi dintre cei care au apelat la un credit Noua Cas\u0103 au fost tineri care nu au avut venituri suficient de mari pentru a sus\u021bine un proces rapid de economisire a avansului. Pre\u021burile practicate pe pia\u021ba imobiliar\u0103 limiteaz\u0103, \u00eens\u0103, considerabil propriet\u0103\u021bile la care au ace\u0219tia acces \u00een prezent, \u00een special \u00een marile ora\u0219e din \u021bar\u0103.<\/p>\n\n\n\n

\u201cImportan\u021ba creditelor acordate prin programul guvernamental Prima Cas\u0103\/Noua Cas\u0103 continu\u0103 s\u0103 se diminueze, acestea ajung\u00e2nd la 30% din totalul creditelor ipotecare la septembrie 2023, de la circa 47% \u00een urm\u0103 cu 5 ani\u201d, se men\u021bioneaz\u0103 \u00een cel mai nou \u201cRaport asupra stabilit\u0103\u021bii financiare\u201d publicat de Banca Na\u021bional\u0103 a Rom\u00e2niei (BNR).<\/p>\n\n\n\n

\u201cFluxul de credite noi Prima Cas\u0103\/Noua Cas\u0103 a consemnat sc\u0103deri importante \u00een perioada recent\u0103 (-52% septembrie 2023 vs septembrie 2022), \u00een linie cu evolu\u021bia creditului imobiliar la nivel agregat, reprezent\u00e2nd numai 7% din creditele noi ipotecare (septembrie 2023)\u201d, conform aceluia\u0219i document.<\/p>\n\n\n\n

Profilul rom\u00e2nului cu credit Noua Cas\u0103<\/strong><\/p>\n\n\n\n

Peste 330.800 de garan\u021bii \u0219i promisiuni de garantare au fost acordate, din 2009 \u0219i p\u00e2n\u0103 \u00een prezent, celor care au accesat finan\u021bare, conform datelor Ministerului Finan\u021belor. Anul trecut, de exemplu, au fost acordate 8.313 garan\u021bii \u0219i 1.485 de promisiuni de garantare \u00een valoare total\u0103 de 1,13 miliarde de lei, respectiv de 0,23 miliarde de lei, din care din plafonul anului 2022 au fost acordate 6.911 contracte de garantare \u00een valoare total\u0103 de 0,92 miliarde de lei \u0219i 777 promisiuni de garantare \u00een valoare total\u0103 de 0,13 miliarde de lei.<\/p>\n\n\n\n

Plafonul alocat pentru 2023 a fost de 1,5 miliarde de lei. \u00cen prima jum\u0103tate a acestui an s-au acordat 898 de garan\u021bii \u00een valoare de 114 milioane de lei pentru credite de peste 225 miliarde de lei. Beneficiarii au fost, \u00een principal, tineri cu v\u00e2rste cuprinse \u00eentre 26-35 de ani. Cele mai multe finan\u021b\u0103ri au fost solicitate pentru cump\u0103rarea unor apartamente, cu pre\u021buri echivalente cu circa 50.000-100.000 de euro, potrivit datelor Economica<\/a>. <\/p>\n\n\n\n

Cei care apeleaz\u0103 la credite Noua Cas\u0103 sunt, totodat\u0103, foarte aten\u021bi la plata ratelor.\u201cCalitatea portofoliului de credite imobiliare Prima Cas\u0103\/Noua Cas\u0103 continu\u0103 s\u0103 se men\u021bin\u0103 la un nivel superior creditelor ipotecare standard (1,3% vs 1,8% septembrie 2023)\u201d, potrivit raportului BNR men\u021bionat mai sus.<\/p>\n\n\n\n

Valoarea maxim\u0103 a creditului care poate fi accesat prin Noua Cas\u0103 este de 66.500 de euro pentru locuin\u021be al c\u0103ror pre\u021b este de cel mult 70.000 euro, respectiv de 119.000 euro pentru locuin\u021be al c\u0103ror pre\u021b este de maximum 140.000 euro. Avansul solicitat este de 5% \u00een primul caz \u0219i de 15% \u00een al doilea. Finan\u021barea se acord\u0103 \u00een lei.<\/p>\n\n\n\n

Plafoanele maxime ale garan\u021biilor sunt de p\u00e2n\u0103 la 60% pentru creditele pentru locuin\u021be noi care cost\u0103 cel mult 140.000 euro, respectiv de p\u00e2n\u0103 la 50% pentru credite pentru locuin\u021be noi sau vechi cu un pre\u021b de cel mult 70.000 euro.<\/p>\n\n\n\n

Cu pre\u021buri tot mai mari, principalul avantaj Noua Cas\u0103 se pierde<\/strong><\/p>\n\n\n\n

Cei care vor s\u0103-\u0219i cumpere o locuin\u021b\u0103 prin programul Noua Cas\u0103 mai ales \u00eentr-unele dintre cele mai mari ora\u0219e din Rom\u00e2nia se pot lovi de o ofert\u0103 destul de restr\u00e2ns\u0103 de locuin\u021be care s\u0103 se \u00eencadreze \u00een plafoanele solicitate.<\/p>\n\n\n\n

La nivel na\u021bional, pre\u021bul mediu solicitat pentru apartamentele scoase la v\u00e2nzare a ajuns, \u00een noiembrie, la 1.497 euro\/mp util, dup\u0103 un avans cu 5% \u00een ultimele 12 luni, potrivit Indicelui Imobiliare.ro<\/strong><\/a>. \u00cen Cluj-Napoca, cel mai scump ora\u0219 din \u021bar\u0103, apartamentele noi pot fi cump\u0103rate, \u00een medie, la un pre\u021b de 2.800 euro\/mp util, iar cele vechi cu 2.538 euro\/mp util. <\/p>\n\n\n\n

\u00cen Capital\u0103, pre\u021bul mediu solicitat pentru apartamentele noi este de 1.670 euro\/mp, iar pentru cele vechi de 1.600 euro\/mp util, \u00een timp ce \u00een Bra\u0219ov acestea ajung la 2.033 euro\/mp util, respectiv la 1.635 euro\/mp util. \u00cen astfel de condi\u021bii se dep\u0103\u0219e\u0219te u\u0219or limita de sus a valorii pentru care avansul solicitat este de 5%, aspect care a f\u0103cut programul at\u00e2t de atractiv de-a lungul timpului.<\/p>\n\n\n\n

\u201cPrincipalul avantaj al programului era avansul mic, de 5%. \u00cen condi\u021biile limit\u0103rii regimului de operare al avansului la tranzac\u021biile de maximum 70.000 euro \u0219i \u021bin\u00e2nd cont de evolu\u021bia pie\u021bei, rezult\u0103 c\u0103 nu mai po\u021bi beneficia de avantajul avansului dec\u00e2t \u00een foarte pu\u021bine situa\u021bii. \u00centre 70.000 – 140.000 de euro, avansul Noua Cas\u0103 este egal cu cel al imobiliarelor standard\u201d, a declarat Doru Iliescu, General Manager Imobiliare.ro Finance –<\/strong><\/a> brokerul de credite din cadrul grupului Imobiliare.ro.<\/p>\n\n\n\n

\u201cAl doilea avantaj al produsului era marja fix\u0103 a b\u0103ncilor, de 2%. \u00cen situa\u021bia actual\u0103, \u00eens\u0103, prin natura variabil\u0103 a dob\u00e2nzii, cu un IRCC de 5,96%, Noua Cas\u0103 devine un credit mai scump (dob\u00e2nd\u0103 de 7,96%) comparativ cu unele oferte din pia\u021b\u0103 (toate fixe, circa 5,9%)\u201d, a mai explicat el.<\/p>\n\n\n\n

Un alt aspect pe care nu trebuie s\u0103 \u00eel trecem cu vederea este acela c\u0103 o pondere semnificativ\u0103 \u00een totalul portofoliului atras anul acesta a implicat refinan\u021b\u0103ri. \u201cNoua Cas\u0103 nu refinan\u021beaz\u0103, deci pierde \u0219i mai mult\u0103 pondere \u00een volumul total\u201d, a mai ad\u0103ugat General Managerul Imobiliare.ro Finance.<\/p>\n\n\n\n

Cum se ob\u021bine un credit Noua Cas\u0103?<\/strong><\/p>\n\n\n\n

Pentru a ob\u021bine un credit Noua Cas\u0103 trebuie s\u0103 \u00eendepline\u0219ti o serie condi\u021bii. La data solicit\u0103rii creditului garantat nu trebuie s\u0103 ai \u00een proprietate exclusiv\u0103 sau \u00eempreun\u0103 cu so\u021bul sau so\u021bia nicio locuin\u021b\u0103, indiferent de modul \u0219i de momentul \u00een care a fost dob\u00e2ndit\u0103. Singura excep\u021bie acceptat\u0103 este ca proprietatea pe care o ai s\u0103 aib\u0103 o suprafa\u021b\u0103 util\u0103 mai mic\u0103 de 50 mp \u0219i s\u0103 fie dob\u00e2ndit\u0103 prin orice alt mod dec\u00e2t prin intermediul programului guvernamental.<\/p>\n\n\n\n

Po\u021bi achizi\u021biona o singur\u0103 locuin\u021b\u0103 \u00een cadrul programului \u0219i ai calitate de \u00eemprumutat \u00een raport cu finan\u021batorul. Trebuie, totodat\u0103, s\u0103 \u00eendepline\u0219ti condi\u021biile specifice de eligibilitate prev\u0103zute \u00een cadrul normelor interne de creditare ale finan\u021batorului. <\/p>\n\n\n\n

Locuin\u021ba achizi\u021bionat\u0103 prin intermediul programului guvernamental poate fi v\u00e2ndut\u0103 \u00een primii cinci ani doar \u00een unele condi\u021bii, mai exact cu rambursarea integral\u0103 a creditului cu acord de radiere emis de FNGCIMM, la solicitarea scris\u0103 a b\u0103ncii, sau dac\u0103 o alt\u0103 persoan\u0103 eligibil\u0103 \u00een cadrul programului preia creditul.<\/p>\n\n\n\n

P\u00e2n\u0103 la ora actual\u0103 nu au fost f\u0103cute publice detalii cu privire la sumele care ar urma s\u0103 fie alocate pentru anul 2024 \u00een cadrul Noua Cas\u0103 \u0219i informa\u021bii despre condi\u021biile de ob\u021binere a creditelor garantate.<\/p>\n\n\n\n

Dac\u0103 vrei s\u0103-\u021bi cumperi o locuin\u021b\u0103 prin credit, \u00ee\u021bi recomand\u0103m s\u0103 iei leg\u0103tura cu brokerii Imobiliare.ro Finance. Re\u021beaua noastr\u0103 se extinde la nivel na\u021bional \u0219i include peste 200 de exper\u021bi cu acces la mai bine de 25 de b\u0103nci \u0219i institu\u021bii financiare din Rom\u00e2nia. Aproximativ 60.000 de persoane au ob\u021binut p\u00e2n\u0103 acum finan\u021bare cu ajutor lor. Apeleaz\u0103 \u0219i tu acum la un broker Imobiliare.ro Finance.<\/strong><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

Ini\u021bial l-am cunoscut sub numele de Prima Cas\u0103, programul guvernamental g\u00e2ndit pentru a salva pia\u021ba imobiliar\u0103 din criz\u0103. De-a lungul ultimilor 15 ani, a trecut printr-o serie de transform\u0103ri – de la plafoane reduse treptat la condi\u021bii de eligibilitate reg\u00e2ndite – pentru ca \u00een prezent s\u0103 se deruleze sub denumirea Noua Cas\u0103.  Num\u0103rul celor care […]<\/p>\n","protected":false},"author":5891,"featured_media":68394,"comment_status":"open","ping_status":"open","sticky":true,"template":"","format":"standard","meta":{"footnotes":""},"categories":[263],"tags":[682,277,1295],"content_author":[],"class_list":{"0":"post-68392","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-credite","8":"tag-avans","9":"tag-credit-ipotecar","10":"tag-noua-casa"},"yoast_head":"\nCredit ipotecar standard sau Noua Cas\u0103. 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