{"id":68638,"date":"2024-01-26T14:24:59","date_gmt":"2024-01-26T12:24:59","guid":{"rendered":"https:\/\/www.imobiliare.ro\/imoexpert\/?p=68638"},"modified":"2024-01-26T14:24:59","modified_gmt":"2024-01-26T12:24:59","slug":"noua-casa-2024-ce-locuinte-iti-poti-cumpara-si-ce-conditii-trebuie-sa-indeplinesti-pentru-a-lua-un-credit","status":"publish","type":"post","link":"https:\/\/www.imobiliare.ro\/imoexpert\/noua-casa-2024-ce-locuinte-iti-poti-cumpara-si-ce-conditii-trebuie-sa-indeplinesti-pentru-a-lua-un-credit_db\/","title":{"rendered":"Noua Cas\u0103 2024: Ce locuin\u021be \u00ee\u021bi po\u021bi cump\u0103ra \u0219i ce condi\u021bii trebuie s\u0103 \u00eendepline\u0219ti pentru a lua un credit?"},"content":{"rendered":"\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"600\" src=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2024\/01\/noua-casa-2024.png\" alt=\"\" class=\"wp-image-68639\" srcset=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2024\/01\/noua-casa-2024.png 800w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2024\/01\/noua-casa-2024-770x578.png 770w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2024\/01\/noua-casa-2024-390x293.png 390w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Lansarea programului Noua Cas\u0103 2024 este a\u0219teptat\u0103 \u00een cur\u00e2nd. Iat\u0103 ce locuin\u021be pot cump\u0103ra rom\u00e2nii \u0219i ce condi\u021bii de eligibilitate trebuie s\u0103 \u00eendeplinesc\u0103 cei interesa\u021bi de un astfel de \u00eemprumut.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#8222;Programul Noua Cas\u0103, edi\u021bia 2024, nu va suferi nicio modificare, condi\u021biile de accesare vor fi men\u021binute, at\u00e2t \u00een ceea ce prive\u0219te eligibilitatea beneficiarilor, precum \u0219i a condi\u021biilor de acordare a garan\u021biilor guvernamentale&#8221;, ne-a declarat Dumitru Nancu, Director General al Fondului Na\u021bional de Garantare a Creditelor pentru IMM-uri.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Plafonul de garantare pentru anul 2024 este a\u0219teptat s\u0103 fie de <strong>1 miliard de lei<\/strong>, potrivit reprezentantului FNGCIMM.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Astfel, po\u021bi lua un credit Noua Cas\u0103 \u00een 2024 dac\u0103:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>nu ai \u00een proprietate exclusiv\u0103 sau \u00eempreun\u0103 cu so\u021bul\/so\u021bia nicio locuin\u021b\u0103, indiferent de modul \u00een care a fost dob\u00e2ndit\u0103<\/li>\n\n\n\n<li>ai \u00een proprietate cel mult o locuin\u021b\u0103, cu o suprafa\u021b\u0103 util\u0103 mai mic\u0103 de 50 mp, dar care nu a fost achizi\u021bionat\u0103 prin programul Prima Cas\u0103\/Noua Cas\u0103.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Po\u021bi beneficia de Noua Cas\u0103 2024 pentru achizi\u021bia unei singure locuin\u021be, iar valoarea maxim\u0103 a creditului pe care \u00eel po\u021bi accesa este:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>66.500 euro<\/strong> &#8211; pentru locuin\u021be al c\u0103ror pre\u021b este de cel mult <strong>70.000 euro<\/strong>, avansul solicitat fiind \u00een acest caz de <strong>5%<\/strong><\/li>\n\n\n\n<li><strong>119.500 euro<\/strong> &#8211; pentru locuin\u021be al c\u0103ror pre\u021b este de cel mult <strong>140.000 euro<\/strong>, caz \u00een care avansul solicitat este de <strong>15%<\/strong>.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Po\u021bi cump\u0103ra <strong>locuin\u021be vechi<\/strong>, dar \u0219i <strong>locuin\u021be noi<\/strong>, inclusiv din r\u00e2ndul celor construite prin programele ANL, pentru care documentele de recep\u021bie la terminarea lucr\u0103rilor de construc\u021bii s-au semnat cu cel mult 5 ani \u00eenainte de data solicit\u0103rii creditului garantat.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00cen plus, pot fi achizi\u021bionate \u0219i propriet\u0103\u021bi cu valori ce dep\u0103\u0219esc 70.000 de euro, respectiv 140.000 de euro, cu condi\u021bia s\u0103 achi\u021bi diferen\u021ba de bani din surse proprii.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Dob\u00e2nda este variabil\u0103<\/strong>, calculat\u0103 \u00een func\u021bie de IRCC la care se adaug\u0103 o marj\u0103 fix\u0103 de circa 2%, iar durata maxim\u0103 a creditelor aprobate este de <strong>30 de ani<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a class=\"article-body-links\"href=\"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\/\" target=\"_blank\" rel=\"noreferrer noopener\">Afl\u0103 aici mai multe detalii despre c\u00e2t de atractive mai sunt la ora actual\u0103 creditele Noua Cas\u0103 \u00een compara\u021bie cu creditele ipotecare standard acordate de b\u0103nci.<\/a><\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\"><strong>Ce trebuie s\u0103 mai \u0219tii dac\u0103 vrei s\u0103 iei un credit Noua Cas\u0103 \u00een 2024<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Nu exist\u0103 o limit\u0103 de v\u00e2rst\u0103 pentru cei care vor s\u0103 beneficieze de Noua Cas\u0103 2024. Programul poate fi accesat fie pe cont propriu, fie \u00eempreun\u0103 cu partenerul de via\u021b\u0103, dac\u0103 am\u00e2ndoi \u00eendeplini\u021bi criteriile de eligibilitate.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Dac\u0103 unul dintre so\u021bi este sau a fost beneficiar al programului<\/strong>, cu consultan\u021b\u0103 din partea b\u0103ncii, exist\u0103 posibilitatea de a accesa creditul Noua Cas\u0103 doar so\u021bul care \u00eendepline\u0219te condi\u021bia legal\u0103 de accesare a unei singure locuin\u021be \u00een cadrul programului \u0219i care va avea calitate de \u00eemprumutat, cel\u0103lalt av\u00e2nd doar calitatea de garant\/copl\u0103titor.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Garantul <\/strong>este parte semnatar\u0103 a contractului de garantare, are calitatea de co-proprietar al locuin\u021bei cump\u0103rate, \u00ee\u0219i asum\u0103 toate obliga\u021biile \u0219i are acelea\u0219i drepturi ca \u0219i beneficiarul.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cei care vor s\u0103 ob\u021bin\u0103 un credit Noua Cas\u0103 <strong>trebuie s\u0103 \u00eendeplineasc\u0103, \u00een plus, condi\u021biile de eligibilitate cerute de banca<\/strong> al\u0103turi de care au decis s\u0103 lucreze.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Acces\u00e2nd programul Noua Cas\u0103 2024, ai calitate de \u00eemprumutat \u00een raport cu finan\u021batorul \u0219i trebuie s\u0103 dispui de <strong>avansul minim obligatoriu<\/strong> \u0219i de o sum\u0103 ce va fi blocat\u0103 \u00eentr-un <strong>depozit colateral<\/strong>, constituit ca garan\u021bie pentru acordarea creditului, blocat p\u00e2n\u0103 la rambursarea integral\u0103 a creditului \u0219i nepurt\u0103tor de dob\u00e2nd\u0103. Suma reprezint\u0103 echivalentul a <strong>trei rate de dob\u00e2nd\u0103<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Dac\u0103 imobilul nu este finalizat sau nu te-ai hot\u0103r\u00e2t asupra locuin\u021bei<\/strong> pe care vrei s\u0103 o cumperi po\u021bi utiliza creditul Noua Cas\u0103 opt\u00e2nd pentru o promisiune unilateral\u0103 de creditare, emis\u0103 de banc\u0103, completat\u0103 de o promisiune de garantare emis\u0103 de FNGCIMM. Valabilitatea promisiunilor de creditare\/garantare este de 18 luni.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pe l\u00e2ng\u0103 plata taxelor notariale pentru cump\u0103rarea locuin\u021bei \u0219i prima de asigurare a imobilului, ai de pl\u0103tit \u0219i un comision anual de garantare c\u0103tre FNGCIMM, de 0,3%, stabilit anual de Ministerul Finan\u021belor Publice \u0219i calculat la sold. Pentru locuin\u021bele de p\u00e2n\u0103 la 70.000 euro, comisionul se aplic\u0103 la 50% din soldul creditului, iar pentru cele cu pre\u021buri de peste 70.000 de euro comisionul se aplic\u0103 la 60% din soldul creditului.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Din momentul lans\u0103rii \u00een anul 2009, sub denumirea Prima Cas\u0103, \u0219i p\u00e2n\u0103 la finele lui 2023 au fost acordate 333.219 garan\u0163ii \u0219i promisiuni de garantare \u00een valoare total\u0103 de 31,57 miliarde lei prin intermediul acestui program, ce au sus\u021binut credite \u00een valoare de 63,8 miliarde lei.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Lansarea programului Noua Cas\u0103 2024 este a\u0219teptat\u0103 \u00een cur\u00e2nd. Iat\u0103 ce locuin\u021be pot cump\u0103ra rom\u00e2nii \u0219i ce condi\u021bii de eligibilitate trebuie s\u0103 \u00eendeplinesc\u0103 cei interesa\u021bi de un astfel de \u00eemprumut. &#8222;Programul Noua Cas\u0103, edi\u021bia 2024, nu va suferi nicio modificare, condi\u021biile de accesare vor fi men\u021binute, at\u00e2t \u00een ceea ce prive\u0219te eligibilitatea beneficiarilor, precum \u0219i [&hellip;]<\/p>\n","protected":false},"author":5891,"featured_media":68639,"comment_status":"open","ping_status":"open","sticky":true,"template":"","format":"standard","meta":{"footnotes":""},"categories":[263],"tags":[294,601,1295],"content_author":[],"class_list":["post-68638","post","type-post","status-publish","format-standard","has-post-thumbnail","category-credite","tag-credite-2","tag-locuinte","tag-noua-casa"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Noua Cas\u0103 2024: Ce locuin\u021be \u00ee\u021bi po\u021bi cump\u0103ra \u0219i ce condi\u021bii trebuie s\u0103 \u00eendepline\u0219ti pentru a lua un credit? - Credite - ImoExpert<\/title>\n<meta name=\"description\" content=\"Lansarea programului Noua Cas\u0103 2024 este a\u0219teptat\u0103 \u00een cur\u00e2nd. 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