{"id":72698,"date":"2025-05-15T14:58:36","date_gmt":"2025-05-15T11:58:36","guid":{"rendered":"https:\/\/www.imobiliare.ro\/imoexpert\/?p=72698"},"modified":"2025-05-15T14:58:36","modified_gmt":"2025-05-15T11:58:36","slug":"vrei-sa-cumperi-o-locuinta-sau-ai-un-credit-ipotecar-specialistii-iti-explica-efectele-cursului-in-crestere-si-impactul-fluctuatiilor-robor-grafice","status":"publish","type":"post","link":"https:\/\/www.imobiliare.ro\/imoexpert\/vrei-sa-cumperi-o-locuinta-sau-ai-un-credit-ipotecar-specialistii-iti-explica-efectele-cursului-in-crestere-si-impactul-fluctuatiilor-robor-grafice_db\/","title":{"rendered":"Vrei s\u0103 cumperi o locuin\u021b\u0103 sau ai un credit ipotecar? Speciali\u0219tii \u00ee\u021bi explic\u0103 efectele cursului \u00een cre\u0219tere \u0219i impactul fluctua\u021biilor ROBOR – GRAFICE"},"content":{"rendered":"\n
\"\"<\/figure>\n\n\n\n

Volatilitatea cursului leu\/euro \u0219i fluctua\u021biile \u00eenregistrate de ROBOR pot avea implica\u021bii directe at\u00e2t asupra rom\u00e2nilor care au deja credite ipotecare, c\u00e2t \u0219i asupra celor care mizeaz\u0103 pe un \u00eemprumut pentru a deveni proprietari sau se afl\u0103 pe ultima sut\u0103 de metri spre finalizarea unei achizi\u021bii imobiliare.<\/strong><\/p>\n\n\n\n

\u201cTravers\u0103m o perioad\u0103 \u00een care pie\u021bele taxeaz\u0103 puternic o percep\u021bie ridicat\u0103 a riscului economiei noastre. Cu un guvern interimar \u0219i tensiuni politice care divizeaz\u0103 societatea, din p\u0103cate, cei care pl\u0103tesc pre\u021bul \u00een aceste zile sunt chiar cump\u0103r\u0103torii de locuin\u021be. Ei se v\u0103d nevoi\u021bi fie s\u0103 aduc\u0103 bani \u00een plus <\/strong>pentru mult dorita locuin\u021b\u0103, fie s\u0103-\u0219i asume un risc a\u0219tept\u00e2nd <\/strong>sau s\u0103 intre \u00een negocieri complexe<\/strong> cu v\u00e2nz\u0103torii pentru a limita impactul diferen\u021belor de curs valutar. Este cu at\u00e2t mai dificil cu c\u00e2t pre\u021burile locuin\u021belor au crescut, de la an la an, cu 15%\u201d, a declarat Dan Niculae, Managing Director Imobiliare.ro Finance<\/a>.<\/p>\n\n\n\n

Iat\u0103 care sunt consecin\u021bele cre\u0219terii cursului asupra pie\u021bei de creditare \u0219i asupra tranzac\u021biilor imobiliare, dar \u0219i ce implica\u021bii concrete pot avea fluctua\u021biile ROBOR. Detalii pe larg \u0219i solu\u021bii pentru cei afecta\u021bi, \u00eentr-o analiz\u0103 realizat\u0103 de speciali\u0219tii Imobiliare.ro Finance.<\/p>\n\n\n\n

Curs \u00een cre\u0219tere, locuin\u021be mai scumpe <\/strong><\/p>\n\n\n\n

Cursul valutar oficial continu\u0103 s\u0103 se men\u021bin\u0103 peste pragul de 5 lei\/euro, fapt ce influen\u021beaz\u0103 deja tranzac\u021biile imobiliare. Primele efecte pot fi v\u0103zute deja \u00een pia\u021b\u0103. Cei mai mul\u021bi dintre rom\u00e2ni se apropie, \u00een momentul \u00een care vor s\u0103 acceseze un \u00eemprumut, de nivelul maxim al gradului de \u00eendatorare permis – de 40%, respectiv de 45% din venituri \u00een cazul primei locuin\u021be. \u00cen aceast\u0103 situa\u021bie, banca nu poate s\u0103 acopere diferen\u021ba de curs prin credit.<\/p>\n\n\n\n

Astfel, aceste persoane sunt nevoite s\u0103 vin\u0103 cu mai mul\u021bi bani de acas\u0103 pentru a finaliza tranzac\u021biile, deci un efect al cre\u0219terii cursului leu\/euro este majorarea avansului<\/strong>. \u00cen momentul de fa\u021b\u0103, mul\u021bi dintre cei care \u00ee\u0219i doresc s\u0103 devin\u0103 proprietari \u0219i apeleaz\u0103 la credite ipotecare pentru a \u00eencheia tranzac\u021bii imobiliare achit\u0103 un avans mediu de circa 18%.<\/p>\n\n\n\n

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

Alte consecin\u021be ale cre\u0219terii cursului valutar apar \u00een cazul locuin\u021belor noi scoase \u00een pia\u021b\u0103 cu pre\u021buri aflate spre limita superioar\u0103 a pragului sub care cump\u0103r\u0103torii beneficiaz\u0103 de TVA redus. O cre\u0219tere a cursului se traduce \u00een diferen\u021be care pot fi, \u00een unele cazuri substan\u021biale, \u00een pre\u021bul final de v\u00e2nzare.<\/strong> V\u0103 reamintim c\u0103 la achizi\u021bia locuin\u021belor mai ieftine de 600.000 de lei, a c\u0103ror suprafa\u021b\u0103 util\u0103 nu dep\u0103\u0219e\u0219te 120 mp, se achit\u0103 un TVA de 9%. \u00cen cazul \u00een care acest nivel este dep\u0103\u0219it, TVA ajunge la 19%.<\/p>\n\n\n\n

S\u0103 lu\u0103m c\u00e2teva exemple concrete. Un apartament nou cu 2 camere din Capital\u0103, localizat \u00een cartierul B\u0103neasa, se vinde, potrivit datelor Imobiliare.ro<\/a>, cu un pre\u021b mediu de 141.900 de euro, iar cump\u0103r\u0103torii se a\u0219teapt\u0103 din start s\u0103 achite un TVA de 19% la achizi\u021bie. Pe 5 mai, o proprietate de acest tip putea fi cump\u0103rat\u0103 cu o sum\u0103 echivalent\u0103 cu 706.300 lei. Ast\u0103zi, cost\u0103 724.200 lei, deci s-a scumpit \u00een doar c\u00e2teva zile cu aproximativ 18.000 de lei. <\/p>\n\n\n\n

O locuin\u021b\u0103 similar\u0103 aflat\u0103 \u00eentr-un bloc \u00een construc\u021bie dintr-una dintre cele mai c\u0103utate zone din Cluj-Napoca, M\u0103r\u0103\u0219ti, se vinde cu 120.000 euro. S\u0103pt\u0103m\u00e2na trecut\u0103, pre\u021bului solicitat era echivalent cu 597.300 de lei. Viitorul cump\u0103r\u0103tor urma s\u0103 pl\u0103teasc\u0103 un TVA 9% din pre\u021bul de achizi\u021bie. Pre\u021bul dep\u0103\u0219e\u0219te, la ora actual\u0103, 600.000 de lei motiv pentru care costurile cump\u0103r\u0103torului cresc nu doar pe fondul cursului, ci \u0219i \u00een contextul \u00een care proprietatea se \u00eencadreaz\u0103 acum la un TVA de 19%.<\/p>\n\n\n\n

Ajun\u0219i \u00eentr-o astfel de situa\u021bie vor exista cump\u0103r\u0103tori care pot renun\u021ba la tranzac\u021bii pentru c\u0103 fie nu \u00ee\u0219i permit, fie nu doresc s\u0103 acopere diferen\u021ba de bani venit\u0103 pe fondul TVA-ului mai mare sau cursului \u00een cre\u0219tere.<\/strong><\/p>\n\n\n\n

Pre\u021burile locuin\u021belor au \u00eenregistrat noi major\u0103ri de la \u00eenceputul anului. Apartamentele sunt scoase la v\u00e2nzare, la nivel na\u021bional, cu un pre\u021b mediu de 1.842 euro\/mp util, potrivit Indicelui Imobiliare.ro<\/a>. Acestea sunt cu 6% mai scumpe dec\u00e2t \u00een ianuarie. \u00cen plus, cump\u0103r\u0103torii pl\u0103tesc cu 15% mai mult acum pentru o locuin\u021b\u0103 dec\u00e2t \u00een urm\u0103 cu un an.<\/p>\n\n\n\n

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

Un al treilea scenariu \u00eei implic\u0103 pe rom\u00e2nii care au deja contracte semnate cu dezvoltatorii<\/strong>, cu termene agreate de plat\u0103. Ei pot ajunge \u00een situa\u021bia \u00een care fie reu\u0219esc s\u0103 acopere diferen\u021bele generate de evolu\u021bia cursului, fie pot pierde avansul achitat deja pentru locuin\u021bele pe care \u00ee\u0219i doreau s\u0103 le cumpere.<\/p>\n\n\n\n

\u201cCei care au mai v\u0103zut astfel de situa\u021bii de-a lungul timpului reac\u021bioneaz\u0103 cu calm, caut\u0103 solu\u021bii \u0219i consult\u0103, \u00een acest sens, exper\u021bii. \u00cen perioade de incertitudine ridicat\u0103, la fel ca \u0219i pe burse, a reac\u021biona din panic\u0103 sau a \u00eencerca s\u0103 speculezi cursul pie\u021bei este o abordare riscant\u0103, \u00een special \u00een cazul deciziilor cu impact pe termen lung a\u0219a cum sunt cele legate de locuin\u021be. Pruden\u021ba c\u00e2\u0219tig\u0103, a\u0219adar, \u00een aceste s\u0103pt\u0103m\u00e2ni de foc<\/strong>\u201d, a declarat Dan Niculae, Managing Director Imobiliare.ro Finance.<\/p>\n\n\n\n

Efectele fluctua\u021biilor ROBOR. Este refinan\u021barea o solu\u021bie?<\/strong><\/p>\n\n\n\n

Indicele ROBOR (Romanian interbank offer rate) a suferit o serie de fluctua\u021bii \u00een ultimele zile. ROBOR la 3 luni a ajuns la 7,29%, iar ROBOR la 6 luni a ajuns la 7,39%.<\/p>\n\n\n\n

Evolu\u021bia ROBOR <\/strong>este legat\u0103, \u00een cea mai mare parte, de nivelul de lichiditate existent \u00een pia\u021b\u0103 \u0219i influen\u021beaz\u0103, \u00een special, \u00eemprumuturile acordate companiilor<\/strong>. Impactul s\u0103u asupra rom\u00e2nilor cu credite ipotecare este unul limitat, \u00een contextul \u00een care indicele a fost \u00eenlocuit din 2019 de IRCC (Indicele de referin\u021b\u0103 pentru creditele acordate consumatorilor). Le recomand\u0103m celor care nu au luat \u00eenc\u0103 decizia de a trece la IRCC s\u0103 ia \u00een considerare un astfel de pas, av\u00e2nd \u00een vedere faptul c\u0103 acesta le poate oferi o mai mare predictibilitate, dar si un cost mai mic.\u00a0<\/p>\n\n\n\n

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

IRCC<\/strong> nu depinde la fel de mult de fluctua\u021biile sale zilnice, ci este aplicabil pe un interval de trei luni, cu o \u00eent\u00e2rziere de un trimestru <\/strong>fa\u021b\u0103 de perioada de referin\u021b\u0103. Indicele se va men\u021bine la 5,55% p\u00e2n\u0103 la 30 septembrie 2025<\/strong>, potrivit speciali\u0219tilor Imobiliare.ro Finance<\/a>.<\/p>\n\n\n\n

Evolu\u021bia IRCC a urmat \u00een ultimele zile o traiectorie ascendent\u0103, odat\u0103 cu cre\u0219terea ROBOR. Indicele zilnic este calculat ca medie ponderat\u0103 a ratelor de dob\u00e2nd\u0103 cu volumele tranzac\u021biilor de pe pia\u021ba interbancar\u0103. Dac\u0103 dob\u00e2nzile \u00ee\u0219i revin<\/strong>, s\u0103 spunem dup\u0103 aflarea rezultatelor alegerilor preziden\u021biale, impactul nu va fi unul considerabil pe termen lung<\/strong>. Discut\u0103m de doar c\u00e2teva zile afectate dintr-un total de 90 necesare stabilirii valorii IRCC care va influen\u021ba creditele ipotecare cu dob\u00e2nd\u0103 variabil\u0103 abia din trimestrul IV al acestui an.<\/p>\n\n\n\n

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

V\u0103 reamintim c\u0103 anul 2025 a adus, p\u00e2n\u0103 acum, o sc\u0103dere gradual\u0103 a IRCC, pe fondul deciziei BNR de a reduce dob\u00e2nda-cheie vara trecut\u0103. Un IRCC tot mai mic s-a tradus \u00een sume pu\u021bin mai mari care au putut fi accesate cu acelea\u0219i venituri de c\u0103tre rom\u00e2ni.<\/p>\n\n\n\n

\u201cCei care \u00eenc\u0103 mai au credite cu dob\u00e2nd\u0103 variabil\u0103 sau urmeaz\u0103 s\u0103 ias\u0103 din perioada de dob\u00e2nd\u0103 fix\u0103<\/strong>, \u00eentreab\u0103 deja despre op\u021biuni de refinan\u021bare. Fereastra de oportunitate poate fi \u00eens\u0103 una relativ scurt\u0103. <\/strong>B\u0103ncile semnaleaz\u0103 deja cre\u0219teri la creditele de retail cu dob\u00e2nd\u0103 fix\u0103, iar unele au operat deja schimb\u0103ri de s\u0103pt\u0103m\u00e2na aceasta la creditele de consum. Este posibil ca urm\u0103toarele s\u0103 fie creditele ipotecare, lu\u00e2nd \u00een considerare c\u0103 ecartul dintre cele mai bune oferte de dob\u00e2nd\u0103 fix\u0103 \u0219i valorile zilnice curente ale IRCC a crescut semnificativ\u201d, a explicat Dan Niculae.<\/p>\n","protected":false},"excerpt":{"rendered":"

Volatilitatea cursului leu\/euro \u0219i fluctua\u021biile \u00eenregistrate de ROBOR pot avea implica\u021bii directe at\u00e2t asupra rom\u00e2nilor care au deja credite ipotecare, c\u00e2t \u0219i asupra celor care mizeaz\u0103 pe un \u00eemprumut pentru a deveni proprietari sau se afl\u0103 pe ultima sut\u0103 de metri spre finalizarea unei achizi\u021bii imobiliare. \u201cTravers\u0103m o perioad\u0103 \u00een care pie\u021bele taxeaz\u0103 puternic o […]<\/p>\n","protected":false},"author":5891,"featured_media":72699,"comment_status":"open","ping_status":"open","sticky":true,"template":"","format":"standard","meta":{"footnotes":""},"categories":[259],"tags":[1347,2304,2190,299,507],"content_author":[],"class_list":["post-72698","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-stiri","tag-credite-ipotecare","tag-dan-niculae","tag-imobiliare-ro-finance","tag-indicele-imobiliare-ro","tag-preturi-apartamente"],"yoast_head":"\nVrei s\u0103 cumperi o locuin\u021b\u0103 sau ai un credit ipotecar? 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