{"id":73565,"date":"2025-08-14T11:42:56","date_gmt":"2025-08-14T08:42:56","guid":{"rendered":"https:\/\/www.imobiliare.ro\/imoexpert\/?p=73565"},"modified":"2025-08-14T11:42:56","modified_gmt":"2025-08-14T08:42:56","slug":"ce-imprumuturi-iau-romanii-pentru-casa-schimbari-anticipate-din-toamna-pe-piata-de-creditare-analiza-imobiliare-ro-finance","status":"publish","type":"post","link":"https:\/\/www.imobiliare.ro\/imoexpert\/ce-imprumuturi-iau-romanii-pentru-casa-schimbari-anticipate-din-toamna-pe-piata-de-creditare-analiza-imobiliare-ro-finance_db\/","title":{"rendered":"Ce \u00eemprumuturi iau rom\u00e2nii pentru cas\u0103? Schimb\u0103ri anticipate din toamn\u0103 pe pia\u021ba de creditare &#8211; ANALIZ\u0102 Imobiliare.ro Finance"},"content":{"rendered":"\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"801\" src=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2025\/08\/ce-credite-iau-romanii-din-marile-orase-si-cat-platesc-rata-1200x801.jpg\" alt=\"\" class=\"wp-image-73566\" srcset=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2025\/08\/ce-credite-iau-romanii-din-marile-orase-si-cat-platesc-rata-1200x801.jpg 1200w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2025\/08\/ce-credite-iau-romanii-din-marile-orase-si-cat-platesc-rata-300x200.jpg 300w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2025\/08\/ce-credite-iau-romanii-din-marile-orase-si-cat-platesc-rata-768x513.jpg 768w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2025\/08\/ce-credite-iau-romanii-din-marile-orase-si-cat-platesc-rata-1536x1025.jpg 1536w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2025\/08\/ce-credite-iau-romanii-din-marile-orase-si-cat-platesc-rata.jpg 2000w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><\/figure>\n\n\n\n<p><strong>Rom\u00e2nii au luat, \u00een prima jum\u0103tate a acestui an, \u00eemprumuturi pentru locuin\u021be cu o valoare mai mare dec\u00e2t \u00een intervalul similar din 2024. Climatul a fost unul favorabil pe pia\u021ba de creditare, \u00een ciuda \u0219ocurilor succesive resim\u021bite.\u00a0<\/strong><\/p>\n\n\n\n<p>\u00cen iulie cei care se g\u00e2ndeau deja s\u0103 apeleze la finan\u021bare pentru a deveni proprietari au primit un imbold suplimentar, \u00een contextul anun\u021bului de majorare a cotei TVA pentru locuin\u021be la 21%, fapt ce a contribuit la evolu\u021bia bun\u0103 a pie\u021bei. Din toamn\u0103, \u00eens\u0103, cererea pentru creditele ipotecare ar putea s\u0103 se diminueze u\u0219or.<\/p>\n\n\n\n<p class=\"has-medium-font-size\"><strong>Creditele ipotecare noi, \u00een cre\u0219tere \u00een prima jum\u0103tate a anului<\/strong><\/p>\n\n\n\n<p><strong>Volumul total al creditelor <\/strong>acordate gospod\u0103riilor popula\u021biei pentru locuin\u021be s-a apropiat \u00een semestrul I de pragul de <strong>30 de miliarde de lei<\/strong>, dup\u0103 un avans cu 32% comparativ cu aceea\u0219i perioad\u0103 a anului trecut, arat\u0103 datele B\u0103ncii Na\u021bionale a Rom\u00e2niei (BNR).<\/p>\n\n\n\n<p><strong>Creditele ipotecare noi, excluz\u00e2nd refinan\u021b\u0103rile \u0219i restructur\u0103rile \u00eemprumuturilor existente,<\/strong> au reprezentat lunar, potrivit estim\u0103rilor BNR analizate de speciali\u0219tii <a class=\"article-body-links\"href=\"https:\/\/finance.imobiliare.ro\/\"><strong>Imobiliare.ro Finance<\/strong><\/a>, p\u00e2n\u0103 la 40% din totalul \u00eemprumuturilor acordate de b\u0103nci \u0219i au \u00eensumat \u00een primele \u0219ase luni <strong>aproximativ 10,7 miliarde de lei<\/strong>. Valoarea acestora a fost cu 24% mai mare fa\u021b\u0103 de cea aferent\u0103 semestrului 1 2024.<\/p>\n\n\n\n<p>\u201cPia\u021ba de creditare \u0219i-a men\u021binut trendul ascendent \u00een prima jum\u0103tate a anului, trend \u00eenceput \u00eenc\u0103 din 2024. <strong>\u00cen mod paradoxal, instabilitatea politic\u0103 a sus\u021binut aceast\u0103 evolu\u021bie<\/strong>, am\u00e2n\u00e2nd adoptarea unor m\u0103suri fiscal-bugetare cu impact semnificativ \u00een cerere. Cu toate acestea, pe alocuri au fost resim\u021bite c\u00e2teva \u0219ocuri notabile, ca de exemplu cre\u0219terea volatil\u0103 a cursului leu\/euro, urmat\u0103 de un deficit de lichiditate \u00een pia\u021ba, care a impactat dob\u00e2nzile comerciale, deficit generat chiar de eforturile BNR de echilibrare a cursului. <strong>Anun\u021barea eliminarii cotei reduse de TVA la locuin\u021be<\/strong>, cu aplicare din 1 august, <strong>a avut ca efect accelerarea tranzac\u021biilor \u00een luna iulie<\/strong> pe segmentul locuin\u021belor noi.<\/p>\n\n\n\n<p>\u00cen privin\u021ba dob\u00e2nzilor, BNR a men\u021binut nivelul de 6,5%, o decizie echilibrat\u0103 care nu va opri brusc economia, deja afectat\u0103, dar nici nu va genera sc\u0103deri de costuri de finan\u021bare pe termen scurt.<strong> IRCC pentru trimestrul IV va dep\u0103\u0219i u\u0219or 6%<\/strong>, \u00een cre\u0219tere de la 5,5%, influen\u021bat de evolu\u021biile din trimestrul II. Pentru toamn\u0103, estim\u0103m <strong>o temperare a cererii de creditare, f\u0103r\u0103 o pr\u0103bu\u0219ire a pie\u021bei sau a pre\u021burilor locuin\u021belor<\/strong>\u201d, a declarat <strong>Dan Niculae, CEO <\/strong><a class=\"article-body-links\"href=\"https:\/\/finance.imobiliare.ro\/\"><strong>Imobiliare.ro Finance<\/strong><\/a>.<\/p>\n\n\n\n<p class=\"has-medium-font-size\"><strong>Clujenii iau cele mai mari credite ipotecare. Ie\u0219enii pe cele mai mici<\/strong><\/p>\n\n\n\n<p>Imobiliare.ro Finance a realizat o analiz\u0103 pe baza \u00eemprumuturilor intermediate \u00een prima jum\u0103tate a acestui an de c\u0103tre cei <strong>peste 250 de brokeri activi \u00een cadrul re\u021belei prezente \u00een 30 de jude\u021be <\/strong>din \u021bar\u0103. G\u0103si\u021bi, \u00een continuare, rezultatele acesteia.<\/p>\n\n\n\n<p><strong>Clujenii au luat cele mai mari credite ipotecare<\/strong>, ei fiind, totodat\u0103, <a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/imoexpert\/apartamente-noi-mai-ieftine-in-trei-mari-orase-din-tara-cum-vor-evolua-preturile-pana-la-finalul-verii-graficevideo_db\/\" target=\"_blank\" rel=\"noreferrer noopener\">cump\u0103r\u0103torii de imobiliare care pl\u0103tesc cel mai mult <\/a>pentru a deveni proprietari.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"566\" src=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2025\/08\/cat-platesti-rata-in-cluj-pentru-casa-1200x566.jpg\" alt=\"\" class=\"wp-image-73567\" srcset=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2025\/08\/cat-platesti-rata-in-cluj-pentru-casa-1200x566.jpg 1200w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2025\/08\/cat-platesti-rata-in-cluj-pentru-casa-300x141.jpg 300w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2025\/08\/cat-platesti-rata-in-cluj-pentru-casa-768x362.jpg 768w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2025\/08\/cat-platesti-rata-in-cluj-pentru-casa-1536x724.jpg 1536w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2025\/08\/cat-platesti-rata-in-cluj-pentru-casa-2048x965.jpg 2048w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><\/figure>\n\n\n\n<p>\u00cen medie, \u00eemprumuturile ob\u021binute prin intermediul brokerilor din re\u021beaua Imobiliare.ro Finance au avut valoarea de <strong>452.790 lei<\/strong> (echivalentul a circa 89.250 euro). Sumele accesate pe plan local au fost <strong>mai mari cu aproape 17%<\/strong> fa\u021b\u0103 de nivelul \u00eenregistrat \u00een perioada similar\u0103 a anului trecut.<\/p>\n\n\n\n<p><strong><a class=\"article-body-links\"href=\"https:\/\/finance.imobiliare.ro\/blog\/evolutia-pietei-de-creditare-ce-urmeaza-din-toamna\" target=\"_blank\" rel=\"noreferrer noopener\">CITE\u0218TE AICI CONTINUAREA ANALIZEI<\/a><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Rom\u00e2nii au luat, \u00een prima jum\u0103tate a acestui an, \u00eemprumuturi pentru locuin\u021be cu o valoare mai mare dec\u00e2t \u00een intervalul similar din 2024. Climatul a fost unul favorabil pe pia\u021ba de creditare, \u00een ciuda \u0219ocurilor succesive resim\u021bite.\u00a0 \u00cen iulie cei care se g\u00e2ndeau deja s\u0103 apeleze la finan\u021bare pentru a deveni proprietari au primit un [&hellip;]<\/p>\n","protected":false},"author":5891,"featured_media":73566,"comment_status":"open","ping_status":"open","sticky":true,"template":"","format":"standard","meta":{"footnotes":""},"categories":[259,2455],"tags":[1347,2304,2190,1220,439],"content_author":[],"class_list":{"0":"post-73565","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-stiri","8":"category-video","9":"tag-credite-ipotecare","10":"tag-dan-niculae","11":"tag-imobiliare-ro-finance","12":"tag-rata-lunara","13":"tag-refinantare"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Ce \u00eemprumuturi iau rom\u00e2nii pentru cas\u0103? Schimb\u0103ri anticipate din toamn\u0103 pe pia\u021ba de creditare - ANALIZ\u0102 Imobiliare.ro Finance - \u0218tiri, Video - ImoExpert<\/title>\n<meta name=\"description\" content=\"Rom\u00e2nii au luat, \u00een prima jum\u0103tate a acestui an, \u00eemprumuturi pentru locuin\u021be cu o valoare mai mare dec\u00e2t \u00een intervalul similar din 2024. Climatul a fost\" \/>\n<meta name=\"robots\" content=\"index, follow\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.imobiliare.ro\/imoexpert\/ce-imprumuturi-iau-romanii-pentru-casa-schimbari-anticipate-din-toamna-pe-piata-de-creditare-analiza-imobiliare-ro-finance_db\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Ce \u00eemprumuturi iau rom\u00e2nii pentru cas\u0103? 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Climatul a fost\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.imobiliare.ro\/imoexpert\/ce-imprumuturi-iau-romanii-pentru-casa-schimbari-anticipate-din-toamna-pe-piata-de-creditare-analiza-imobiliare-ro-finance_db\/\" \/>\n<meta property=\"og:site_name\" content=\"ImoExpert\" \/>\n<meta property=\"article:published_time\" content=\"2025-08-14T08:42:56+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/og-cache\/ce-credite-iau-romanii-din-marile-orase-si-cat-platesc-rata-1e6af656-branded.jpg?v=9\" \/>\n\t<meta property=\"og:image:width\" content=\"2000\" \/>\n\t<meta property=\"og:image:height\" content=\"1335\" \/>\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\\\/ce-imprumuturi-iau-romanii-pentru-casa-schimbari-anticipate-din-toamna-pe-piata-de-creditare-analiza-imobiliare-ro-finance_db\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.imobiliare.ro\\\/imoexpert\\\/ce-imprumuturi-iau-romanii-pentru-casa-schimbari-anticipate-din-toamna-pe-piata-de-creditare-analiza-imobiliare-ro-finance_db\\\/\"},\"author\":{\"name\":\"Corina V\u00e2rlan\",\"@id\":\"https:\\\/\\\/www.imobiliare.ro\\\/imoexpert\\\/#\\\/schema\\\/person\\\/9ffdfbf24b82f39fc75a2fc6c19e4e99\"},\"headline\":\"Ce \u00eemprumuturi iau rom\u00e2nii pentru cas\u0103? 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