{"id":68811,"date":"2024-02-07T10:33:54","date_gmt":"2024-02-07T08:33:54","guid":{"rendered":"https:\/\/www.imobiliare.ro\/imoexpert\/?p=68811"},"modified":"2024-02-07T10:33:54","modified_gmt":"2024-02-07T08:33:54","slug":"revine-apetitul-romanilor-pentru-credite-tendintele-pietei-in-2024","status":"publish","type":"post","link":"https:\/\/www.imobiliare.ro\/imoexpert\/revine-apetitul-romanilor-pentru-credite-tendintele-pietei-in-2024_db\/","title":{"rendered":"Revine apetitul rom\u00e2nilor pentru credite. Tendin\u021bele pie\u021bei \u00een 2024"},"content":{"rendered":"\n
\"\"<\/figure>\n\n\n\n

Pia\u021ba de creditare revine \u00een for\u021b\u0103, dup\u0103 o perioad\u0103 extrem de grea marcat\u0103 de incertitudini \u0219i costuri de finan\u021bare ridicate. Tot mai mul\u021bi rom\u00e2ni caut\u0103 acum s\u0103 ia un \u00eemprumut \u0219i sunt din ce \u00een ce mai interesa\u021bi s\u0103 colaboreze cu un broker de credite pentru a ob\u021bine cele mai avantajoase condi\u021bii de finan\u021bare.<\/strong><\/p>\n\n\n\n

O revenire spectaculoas\u0103 a tranzac\u021biilor realizate prin credit a putut fi observat\u0103 \u00een 2023, pe fondul ofertelor de dob\u00e2nd\u0103 fix\u0103 tot mai bune venite din partea b\u0103ncilor \u00een special \u00een a doua jum\u0103tate a anului, de care mul\u021bi rom\u00e2ni au decis s\u0103 profite, fie pentru a-\u0219i cump\u0103ra o locuin\u021b\u0103,  fie pentru a refinan\u021ba un credit ipotecar existent. <\/p>\n\n\n\n

Astfel, volumul creditelor ipotecare \u00een lei acordate de b\u0103nci s-a dublat \u00een ultimele trei luni din 2023, dac\u0103 ne raport\u0103m la situa\u021bia \u00eenregistrat\u0103 \u00een perioada similar\u0103 din 2022, \u0219i a dep\u0103\u0219it 10 miliarde de lei, potrivit celor mai noi date publicate de Banca Na\u021bional\u0103 a Rom\u00e2niei. \u00cen acela\u0219i timp, 187.500 de imobile au fost tranzac\u021bionate la nivel na\u021bional, \u00een cre\u0219tere cu 3% fa\u021b\u0103 de 2022, arat\u0103 datele Agen\u021biei Na\u021bionale de Cadastru \u0219i Publicitate Imobiliar\u0103. Din total, 49.700 au fost unit\u0103\u021bi individuale, deci apartamente. \u0218i \u00een acest caz se poate observa un avans cu circa 9% fa\u021b\u0103 de sf\u00e2r\u0219itul anului precedent.<\/p>\n\n\n\n

Mai mult, 2023 a adus un avans cu 31% \u00een volumul creditelor ipotecare \u00een lei, p\u00e2n\u0103 la 31 miliarde de lei. \u00cen cazul creditelor de consum, avansul a fost cu 13% \u00een aceast\u0103 perioad\u0103, p\u00e2n\u0103 la circa 28,7 miliarde de lei. <\/p>\n\n\n\n

Estim\u0103m c\u0103 din totalul creditelor ipotecare acordate aproximativ 35% au fost intermediate de brokeri. Ponderea \u00eemprumuturilor intermediate de ace\u0219ti speciali\u0219ti cre\u0219te de la un an la altul, dar continu\u0103 s\u0103 se situeze sub media \u00eenregistrat\u0103 la nivel european, care dep\u0103\u0219e\u0219te 50%.<\/p>\n\n\n\n

Tendin\u021be pe pia\u021ba de creditare \u00een 2024<\/strong><\/p>\n\n\n\n

Anul acesta, speciali\u0219tii Imobiliare.ro Finance v\u0103d dou\u0103 direc\u021bii importante care vor influen\u021ba evolu\u021bia pie\u021bei de creditare din Rom\u00e2nia.<\/p>\n\n\n\n

Pe de-o parte, sc\u0103derea prognozat\u0103 a infla\u021biei va reduce \u0219i mai mult presiunea existent\u0103 asupra dob\u00e2nzilor, a\u0219adar exist\u0103 toate premisele necesare pentru a putea vedea, de la jum\u0103tatea acestui an, reduceri ale dob\u00e2nzilor variabile. Aceast\u0103 tendin\u021b\u0103 poate fi observat\u0103 deja \u00een oferta de dob\u00e2nzi fixe prezent\u0103, la ora actual\u0103, pe pia\u021b\u0103.<\/p>\n\n\n\n

Pe de alt\u0103 parte, majorarea cotei reduse de TVA de la 5% la 9% pentru locuin\u021bele de p\u00e2n\u0103 la 120.000 euro, declinul alarmant al ofertei de propriet\u0103\u021bi disponibile la nivelul pie\u021bei reziden\u021biale, dar \u0219i o poten\u021bial\u0103 cre\u0219tere a cererii pe fondul reducerii dob\u00e2nzilor sunt factori ce vor duce, probabil, la scumpirea locuin\u021belor \u00een 2024.<\/p>\n\n\n\n

\u201cNu recomand\u0103m cump\u0103r\u0103torilor s\u0103 \u00eencerce s\u0103 ghiceasc\u0103 direc\u021bia \u00een care merge pia\u021ba, baz\u00e2ndu-se pe zvonuri sau a\u0219tept\u0103ri nerealiste. A lua o decizie de achizi\u021bie bazat\u0103 pe acest gen de informa\u021bie se poate dovedi a fi foarte p\u0103guboas\u0103, am v\u0103zut destule cazuri. Dac\u0103 cineva are o nevoie de locuire acum, cel mai bine este s\u0103 fac\u0103 achizi\u021bia c\u00e2t mai cur\u00e2nd\u201d, a declarat Dan Niculae, Managing Director Imobiliare.ro Finance – brokerul de credite din cadrul grupului Imobiliare.ro.<\/p>\n\n\n\n

Un sfat \u00een plus pentru cei care \u00ee\u0219i doresc s\u0103 ia un \u00eemprumut anul acesta ar fi acela de a apela la un specialist \u00een domeniu. Un broker de credite profesionist \u00een\u021belege, \u00een primul r\u00e2nd, nevoile, dar \u0219i posibilit\u0103\u021bile persoanei interesate de ob\u021binerea unui \u00eemprumut. Acesta identific\u0103 cele mai bune oferte de finan\u021bare pentru fiecare caz \u00een parte \u0219i are grij\u0103 ca dosarul de credit s\u0103 fie complet \u0219i corect \u00eentocmit \u00eenainte s\u0103 fie trimis la banc\u0103, pentru a evita orice poten\u021bial\u0103 \u00eent\u00e2rziere. \u00cen cazul creditelor ipotecare, brokerul \u021bine leg\u0103tura cu toate p\u0103r\u021bile implicate p\u00e2n\u0103 la finalizarea tranzac\u021biei \u0219i semnarea contractului.<\/p>\n\n\n\n

5.000 de rom\u00e2ni au g\u0103sit creditul potrivit prin Imobiliare.ro Finance \u00een 2023<\/strong><\/p>\n\n\n\n

Peste 5.000 de persoane au ob\u021binut \u00een 2023 creditul potrivit prin intermediul Imobiliare.ro Finance, fie el ipotecar, fie de consum, \u00een cre\u0219tere cu 25% fa\u021b\u0103 de 2022. Num\u0103rul celor care aplic\u0103 online pentru un \u00eemprumut pe Imobiliare.ro Finance<\/a> a fost, totodat\u0103, de trei ori mai mare anul trecut. <\/p>\n\n\n\n

S-a majorat, de asemenea, semnificativ num\u0103rul cump\u0103r\u0103torilor care aplic\u0103 pentru a ob\u021bine un \u00eemprumut prin intermediul agen\u021biilor imobiliare sau al dezvoltatorilor care integreaz\u0103 serviciile Imobiliare.ro Finance, rata de conversie \u00een cazul acestora fiind de peste 75%.<\/p>\n\n\n\n

\u201cCredem c\u0103 pia\u021ba de brokeraj de credite va continua s\u0103 creasc\u0103 \u00een urm\u0103toarea perioad\u0103, pe m\u0103sur\u0103 ce rom\u00e2nii vor fi mai bine informa\u021bi cu privire la beneficiile de care se pot bucura \u00een colaborarea cu un astfel de specialist. Un avantaj extrem de important este acela c\u0103 serviciile brokerilor de credite sunt gratuite prin lege\u201d, a explicat Dan Niculae.<\/p>\n\n\n\n

Avantajele colabor\u0103rii cu un broker de credite<\/strong><\/p>\n\n\n\n

Dou\u0103 dintre cele mai importante aspecte de care pot beneficia cei care colaboreaz\u0103 cu un broker de credite sunt, conform unui studiu realizat de Imobiliare.ro <\/a>\u0219i compania de cercetare de pia\u021b\u0103 Unlock Market Research, sprijinul ob\u021binut \u00een preg\u0103tirea dosarului de credit \u0219i oportunitatea de a compara oferte venite din parte mai multor b\u0103nci.<\/p>\n\n\n\n

\"\"<\/figure>\n\n\n\n

Ob\u021binerea celei mai bune variante de finan\u021bare, explicarea clauzelor contractuale \u0219i cre\u0219terea \u0219anselor de aprobare a creditului se g\u0103sesc, la r\u00e2ndul lor, printre marile avantaje identificate de cei care au luat parte la studiu. Ace\u0219tia nu trec cu vederea nici faptul c\u0103 serviciile brokerului de credite sunt gratuite pentru cei afla\u021bi \u00een c\u0103utarea unui \u00eemprumut.<\/p>\n","protected":false},"excerpt":{"rendered":"

Pia\u021ba de creditare revine \u00een for\u021b\u0103, dup\u0103 o perioad\u0103 extrem de grea marcat\u0103 de incertitudini \u0219i costuri de finan\u021bare ridicate. Tot mai mul\u021bi rom\u00e2ni caut\u0103 acum s\u0103 ia un \u00eemprumut \u0219i sunt din ce \u00een ce mai interesa\u021bi s\u0103 colaboreze cu un broker de credite pentru a ob\u021bine cele mai avantajoase condi\u021bii de finan\u021bare. O […]<\/p>\n","protected":false},"author":5891,"featured_media":68813,"comment_status":"open","ping_status":"open","sticky":true,"template":"","format":"standard","meta":{"footnotes":""},"categories":[263],"tags":[1159,1347,2190],"content_author":[],"class_list":["post-68811","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credite","tag-broker-credite","tag-credite-ipotecare","tag-imobiliare-ro-finance"],"yoast_head":"\nRevine apetitul rom\u00e2nilor pentru credite. 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