{"id":70721,"date":"2024-10-23T11:00:03","date_gmt":"2024-10-23T08:00:03","guid":{"rendered":"https:\/\/www.imobiliare.ro\/imoexpert\/?p=70721"},"modified":"2024-10-23T11:00:03","modified_gmt":"2024-10-23T08:00:03","slug":"clujenii-iau-cele-mai-mari-credite-ipotecare-timisenii-si-constantenii-au-cele-mai-mici-rate-cat-platesc-rata-noii-proprietari-in-functie-de-oras","status":"publish","type":"post","link":"https:\/\/www.imobiliare.ro\/imoexpert\/clujenii-iau-cele-mai-mari-credite-ipotecare-timisenii-si-constantenii-au-cele-mai-mici-rate-cat-platesc-rata-noii-proprietari-in-functie-de-oras_db\/","title":{"rendered":"Clujenii iau cele mai mari credite ipotecare. Timi\u0219enii \u0219i const\u0103n\u021benii au cele mai mici rate. C\u00e2t pl\u0103tesc rat\u0103 noii proprietari \u00een func\u021bie de ora\u0219?"},"content":{"rendered":"\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"533\" src=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2024\/10\/credite-ipotecare.jpg\" alt=\"\" class=\"wp-image-70722\" srcset=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2024\/10\/credite-ipotecare.jpg 800w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2024\/10\/credite-ipotecare-300x200.jpg 300w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2024\/10\/credite-ipotecare-768x512.jpg 768w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/figure>\n\n\n\n<p><strong>Clujenii acceseaz\u0103 creditele ipotecare cu cea mai mare valoare, dar pl\u0103tesc \u0219i cele mai mari pre\u021buri pentru a face o achizi\u021bie imobiliar\u0103. La polul opus se afl\u0103 const\u0103n\u021benii care iau \u00eemprumuturi cu valori sc\u0103zute \u0219i beneficiaz\u0103 de unele dintre cele mai accesibile pre\u021buri la apartamente.\u00a0<\/strong><\/p>\n\n\n\n<p><a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/finance\/credite-ipotecare\"><strong>Imobiliare.ro Finance<\/strong><\/a><strong>, brokerul de credite din cadrul grupului Imobiliare.ro, a realizat o analiz\u0103 intern\u0103 pentru a determina comportamentul rom\u00e2nilor care au solicitat anul acesta finan\u021bare \u00een jude\u021bele cu cele mai puternice pie\u021be reziden\u021biale din \u021bar\u0103.\u00a0<\/strong><\/p>\n\n\n\n<p>Rezultatele cercet\u0103rii indic\u0103 faptul c\u0103 cei mai mul\u021bi dintre rom\u00e2ni caut\u0103 din timp consultan\u021b\u0103 specializat\u0103 pentru a se asigura c\u0103 atunci c\u00e2nd g\u0103sesc locuin\u021ba potrivit\u0103 o pot cump\u0103ra rapid. Reducerea perioadei necesare pentru ob\u021binerea unui credit ipotecar este mai important\u0103 ca oric\u00e2nd \u00een contextul \u00een care pre\u021burile cresc constant, iar num\u0103rul propriet\u0103\u021bilor disponibile este tot mai sc\u0103zut.<\/p>\n\n\n\n<p>\u201cTot mai mul\u021bi rom\u00e2ni prospecteaz\u0103 pia\u021ba dup\u0103 ce au discutat \u00een prealabil cu un broker de credite \u0219i \u00ee\u0219i cunosc foarte clar capacitatea \u0219i condi\u021biile de finan\u021bare. Datele ne arat\u0103, a\u0219adar, c\u0103 avem un cump\u0103r\u0103tor din ce \u00een ce mai bine preg\u0103tit, care iese la cump\u0103r\u0103turi cu temele f\u0103cute, deci mai pu\u021bin vulnerabil \u0219i expus la surprize. Evident c\u0103 \u0219i v\u00e2nz\u0103torii apreciaz\u0103 un astfel de client pentru c\u0103 \u0219tiu c\u0103 discut\u0103 cu o persoan\u0103 care are poten\u021bialul de a finaliza achizi\u021bia\u201d, a declarat Dan Niculae, Managing Director Imobiliare.ro Finance.<\/p>\n\n\n\n<p>Afla\u021bi \u00een continuare mai multe detalii despre sumele ob\u021binute de rom\u00e2nii care au optat anul acesta pentru realizarea unei achizi\u021bii imobiliare prin credit \u0219i despre cheltuielile lor lunare.<\/p>\n\n\n\n<p class=\"has-medium-font-size\"><strong>Clujenii iau cele mai mari credite. Ce rat\u0103 pl\u0103tesc lunar?<\/strong><\/p>\n\n\n\n<p>Clujenii pl\u0103tesc cele mai mari pre\u021buri pentru locuin\u021bele lor \u0219i ajung s\u0103 cear\u0103 \u0219i cele mai mari sume de la banc\u0103 pentru a deveni proprietari.&nbsp;<\/p>\n\n\n\n<p><strong>Creditul mediu<\/strong> accesat de ace\u0219tia, prin intermediul re\u021belei Imobiliare.ro Finance, de la \u00eenceputul lui 2024 \u0219i p\u00e2n\u0103 la finele lunii trecute a fost de <strong>89.390 de euro<\/strong>. La aceast\u0103 sum\u0103 se adaug\u0103 avansul acordat de ace\u0219tia, care la nivel na\u021bional este de circa 20%. Noii proprietari din jude\u021bul Cluj achit\u0103 lunar o<strong> rat\u0103 medie de 525 de euro<\/strong>.<\/p>\n\n\n\n<p>Aproximativ 40% dintre cei care au apelat la serviciile gratuite oferite de brokerii de credite au f\u0103cut acest lucru \u00eenc\u0103 din etapa de prospectare a pie\u021bei.&nbsp;<\/p>\n\n\n\n<p><strong>Pre\u021bul mediu<\/strong> solicitat de proprietari \u0219i dezvoltatori pentru apartamentele scoase la v\u00e2nzare \u00een Cluj-Napoca a ajuns, potrivit <a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/indicele-imobiliare-ro\">Indicelui Imobiliare.ro<\/a>, la valoarea de<strong> 2.896 euro\/mp<\/strong> \u00een luna septembrie, dup\u0103 un avans cu 14% comparativ cu perioada similar\u0103 a anului trecut.<\/p>\n\n\n\n<p><strong><a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/finance\/blog\/cat-platesc-rata-noii-proprietari-in-functie-de-oras\" target=\"_blank\" rel=\"noreferrer noopener\">CITE\u0218TE AICI CONTINUAREA ANALIZEI IMOBILIARE.RO FINANCE<\/a><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Clujenii acceseaz\u0103 creditele ipotecare cu cea mai mare valoare, dar pl\u0103tesc \u0219i cele mai mari pre\u021buri pentru a face o achizi\u021bie imobiliar\u0103. La polul opus se afl\u0103 const\u0103n\u021benii care iau \u00eemprumuturi cu valori sc\u0103zute \u0219i beneficiaz\u0103 de unele dintre cele mai accesibile pre\u021buri la apartamente.\u00a0 Imobiliare.ro Finance, brokerul de credite din cadrul grupului Imobiliare.ro, a [&hellip;]<\/p>\n","protected":false},"author":5891,"featured_media":70722,"comment_status":"open","ping_status":"open","sticky":true,"template":"","format":"standard","meta":{"footnotes":""},"categories":[259],"tags":[277,2190,299],"content_author":[],"class_list":["post-70721","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-stiri","tag-credit-ipotecar","tag-imobiliare-ro-finance","tag-indicele-imobiliare-ro"],"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>Clujenii iau cele mai mari credite ipotecare. Timi\u0219enii \u0219i const\u0103n\u021benii au cele mai mici rate. C\u00e2t pl\u0103tesc rat\u0103 noii proprietari \u00een func\u021bie de ora\u0219? - \u0218tiri - ImoExpert<\/title>\n<meta name=\"description\" content=\"Clujenii acceseaz\u0103 creditele ipotecare cu cea mai mare valoare, dar pl\u0103tesc \u0219i cele mai mari pre\u021buri pentru a face o achizi\u021bie imobiliar\u0103. La polul opus\" \/>\n<meta name=\"robots\" content=\"index, follow\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.imobiliare.ro\/imoexpert\/clujenii-iau-cele-mai-mari-credite-ipotecare-timisenii-si-constantenii-au-cele-mai-mici-rate-cat-platesc-rata-noii-proprietari-in-functie-de-oras_db\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Clujenii iau cele mai mari credite ipotecare. Timi\u0219enii \u0219i const\u0103n\u021benii au cele mai mici rate. 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La polul opus\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.imobiliare.ro\/imoexpert\/clujenii-iau-cele-mai-mari-credite-ipotecare-timisenii-si-constantenii-au-cele-mai-mici-rate-cat-platesc-rata-noii-proprietari-in-functie-de-oras_db\/\" \/>\n<meta property=\"og:site_name\" content=\"ImoExpert\" \/>\n<meta property=\"article:published_time\" content=\"2024-10-23T08:00:03+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2024\/10\/credite-ipotecare.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"800\" \/>\n\t<meta property=\"og:image:height\" content=\"533\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Corina V\u00e2rlan\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Corina V\u00e2rlan\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.imobiliare.ro\/imoexpert\/clujenii-iau-cele-mai-mari-credite-ipotecare-timisenii-si-constantenii-au-cele-mai-mici-rate-cat-platesc-rata-noii-proprietari-in-functie-de-oras_db\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.imobiliare.ro\/imoexpert\/clujenii-iau-cele-mai-mari-credite-ipotecare-timisenii-si-constantenii-au-cele-mai-mici-rate-cat-platesc-rata-noii-proprietari-in-functie-de-oras_db\/\"},\"author\":{\"name\":\"Corina V\u00e2rlan\",\"@id\":\"https:\/\/www.imobiliare.ro\/imoexpert\/#\/schema\/person\/9ffdfbf24b82f39fc75a2fc6c19e4e99\"},\"headline\":\"Clujenii iau cele mai mari credite ipotecare. 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