{"id":75062,"date":"2026-01-19T17:11:13","date_gmt":"2026-01-19T15:11:13","guid":{"rendered":"https:\/\/www.imobiliare.ro\/imoexpert\/?p=75062"},"modified":"2026-01-21T14:30:36","modified_gmt":"2026-01-21T12:30:36","slug":"de-cati-bani-ai-nevoie-pentru-a-ti-acoperi-cheltuielile-cu-locuinta","status":"publish","type":"post","link":"https:\/\/www.imobiliare.ro\/imoexpert\/de-cati-bani-ai-nevoie-pentru-a-ti-acoperi-cheltuielile-cu-locuinta_db\/","title":{"rendered":"De c\u00e2\u021bi bani ai nevoie pentru a-\u021bi acoperi cheltuielile cu locuin\u021ba?"},"content":{"rendered":"\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"600\" src=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2026\/01\/de-cati-bani-ai-nevoie-pentru-a-ti-acoperi-cheltuielile-cu-locuinta.jpg\" alt=\"\" class=\"wp-image-75066\" srcset=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2026\/01\/de-cati-bani-ai-nevoie-pentru-a-ti-acoperi-cheltuielile-cu-locuinta.jpg 1200w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2026\/01\/de-cati-bani-ai-nevoie-pentru-a-ti-acoperi-cheltuielile-cu-locuinta-770x385.jpg 770w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2026\/01\/de-cati-bani-ai-nevoie-pentru-a-ti-acoperi-cheltuielile-cu-locuinta-390x195.jpg 390w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><\/figure>\n\n\n\n<p><strong>Valoarea co\u0219ului minim de consum este \u00een cre\u0219tere la nivel na\u021bional, iar cheltuielile asociate locuirii au o pondere semnificativ\u0103 \u00een suma total\u0103 necesar\u0103 unui trai decent<\/strong>.<\/p>\n\n\n\n<p>\u00cen septembrie 2025, valoarea co\u0219ului minim de consum, calculat\u0103 de <a class=\"article-body-links\"href=\"https:\/\/romania.fes.de\/ro\/e\/comunicat-de-presa-actualizarea-cosului-minim-de-consum-pentru-un-trai-decent-2025.html\">funda\u021bia Friedrich Ebert<\/a> pentru o familie standard format\u0103 din doi adul\u021bi \u0219i doi copii, a ajuns la 11.370 de lei pe lun\u0103. Comparativ cu 2024, vorbim despre o cre\u0219tere cu aproape 920 de lei.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"819\" height=\"1024\" src=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2026\/01\/cat-reprezinta-cheltuielile-cu-locuinta-din-totalul-cheltuielilor-lunare-ale-romanilor-819x1024.png\" alt=\"\" class=\"wp-image-75064\" srcset=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2026\/01\/cat-reprezinta-cheltuielile-cu-locuinta-din-totalul-cheltuielilor-lunare-ale-romanilor-819x1024.png 819w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2026\/01\/cat-reprezinta-cheltuielile-cu-locuinta-din-totalul-cheltuielilor-lunare-ale-romanilor-770x963.png 770w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2026\/01\/cat-reprezinta-cheltuielile-cu-locuinta-din-totalul-cheltuielilor-lunare-ale-romanilor-390x488.png 390w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2026\/01\/cat-reprezinta-cheltuielile-cu-locuinta-din-totalul-cheltuielilor-lunare-ale-romanilor.png 1000w\" sizes=\"auto, (max-width: 819px) 100vw, 819px\" \/><\/figure>\n\n\n\n<p>De\u0219i scumpirile se resimt pe aproape toate palierele cheltuielilor lunare, segmentul locuin\u021bei este cel care apas\u0103 cel mai tare pe buget. <strong>Costurile pentru achizi\u021bia unei locuin\u021be<\/strong> au crescut cu 171 de lei pe lun\u0103, iar <strong>cheltuielile curente ale locuin\u021bei <\/strong>care includ \u00eentre\u021binerea, utilit\u0103\u021bile \u0219i serviciile asociate au urcat cu 170 de lei lunar. <\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"559\" src=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2026\/01\/cheltuieli-locuinta.jpg\" alt=\"\" class=\"wp-image-75063\" srcset=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2026\/01\/cheltuieli-locuinta.jpg 1200w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2026\/01\/cheltuieli-locuinta-770x359.jpg 770w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2026\/01\/cheltuieli-locuinta-390x182.jpg 390w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><\/figure>\n\n\n\n<p>La nivel na\u021bional, oferta de locuin\u021be scoase la v\u00e2nzare a sc\u0103zut fa\u021b\u0103 de anul 2024, \u00een timp ce <a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/indicele-imobiliare-ro\" target=\"_blank\" rel=\"noreferrer noopener\">pre\u021bul mediu solicitat<\/a> cump\u0103r\u0103torilor a crescut cu 14%, ajung\u00e2nd la <strong>1.965 euro\/mp util<\/strong> la finele lui 2025. \u00cen paralel, chiria medie solicitat\u0103 pentru apartamentele din Rom\u00e2nia a crescut, potrivit datelor Imobiliare.ro, de la 500 la <strong>550 de euro\/lun\u0103<\/strong>.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"819\" height=\"1024\" src=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2026\/01\/cosul-minim-05-819x1024.png\" alt=\"\" class=\"wp-image-75065\" srcset=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2026\/01\/cosul-minim-05-819x1024.png 819w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2026\/01\/cosul-minim-05-770x963.png 770w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2026\/01\/cosul-minim-05-390x488.png 390w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2026\/01\/cosul-minim-05.png 1000w\" sizes=\"auto, (max-width: 819px) 100vw, 819px\" \/><\/figure>\n\n\n\n<p class=\"has-medium-font-size\"><strong>C\u00e2t ar trebui s\u0103 reprezinte rata sau chiria din venit?<\/strong><\/p>\n\n\n\n<p>Dac\u0103 te g\u00e2nde\u0219ti s\u0103 cumperi o locuin\u021b\u0103 cu ajutorul unui credit ipotecar, atunci trebuie s\u0103 \u0219tii c\u0103 la nivelul pie\u021bei exist\u0103 <strong>mecanisme care s\u0103 previn\u0103 supra\u00eendatorarea. <\/strong>\u0218ansele tale de a ob\u021bine finan\u021bare sunt analizate cu aten\u021bie, iar un criteriu definitoriu \u00een acest proces este reprezentat de calculul&nbsp;<strong><a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/imoexpert\/cum-iei-un-credit-pe-masura-ta-recomandarile-brokerilor-te-ajuta-sa-eviti-supraindatorarea_db\/\" target=\"_blank\" rel=\"noreferrer noopener\">gradului de \u00eendatorare<\/a><\/strong>.<\/p>\n\n\n\n<p>Pe scurt, gradul de \u00eendatorare reprezint\u0103&nbsp;valoarea maxim\u0103 pe care poate s\u0103 o aib\u0103 rata&nbsp;\u0219i este exprimat ca procent din suma veniturilor tale nete lunare. Nu po\u021bi s\u0103 dep\u0103\u0219e\u0219ti un grad de \u00eendatorare de&nbsp;40% pentru un credit ipotecar \u00een lei, excep\u021bie f\u0103c\u00e2nd doar situa\u021bia \u00een care \u00ee\u021bi cumperi prima locuin\u021b\u0103. \u00centr-un scenariu ideal, <strong>rata lunar\u0103 nu ar trebui s\u0103 dep\u0103\u0219easc\u0103 30% din veniturile tale<\/strong>.<\/p>\n\n\n\n<p>Afl\u0103 detalii despre pre\u021burile de achizi\u021bie din marile ora\u0219e din video de mai jos.<\/p>\n\n\n\n<iframe loading=\"lazy\" width=\"560\" height=\"315\" src=\"https:\/\/www.youtube.com\/embed\/7Lt03HZELwk?si=wOmstrl94s1vcpYf\" title=\"YouTube video player\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n\n\n\n<p>\u00cen cazul \u00een care te g\u00e2nde\u0219ti s\u0103 \u00eenchiriezi o locuin\u021b\u0103, atunci ar fi bine s\u0103 \u0219tii c\u0103 speciali\u0219tii recomand\u0103 ca <strong>valoarea chiriei s\u0103 fie echivalent\u0103 cu un sfert sau cel mult cu o treime din valoarea veniturilor tale lunare<\/strong>. Dac\u0103 ai, de exemplu, c\u00e2\u0219tiguri nete de 800 euro, atunci ar trebui s\u0103 cau\u021bi propriet\u0103\u021bi pe care le po\u021bi \u00eenchiria cu sume cuprinse \u00eentre 200-266 euro\/lun\u0103 pentru a te asigura c\u0103 nu vei face un efort financiar mult prea mare pe termen lung.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/retrospectiva-2025\" target=\"_blank\" rel=\" noreferrer noopener\"><img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"400\" src=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2026\/01\/restrospectiva-anului-2025-in-imobiliare.jpg\" alt=\"\" class=\"wp-image-75058\" srcset=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2026\/01\/restrospectiva-anului-2025-in-imobiliare.jpg 1200w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2026\/01\/restrospectiva-anului-2025-in-imobiliare-770x257.jpg 770w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2026\/01\/restrospectiva-anului-2025-in-imobiliare-390x130.jpg 390w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><\/a><\/figure>\n","protected":false},"excerpt":{"rendered":"<p>Valoarea co\u0219ului minim de consum este \u00een cre\u0219tere la nivel na\u021bional, iar cheltuielile asociate locuirii au o pondere semnificativ\u0103 \u00een suma total\u0103 necesar\u0103 unui trai decent.<\/p>\n","protected":false},"author":821,"featured_media":75066,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[259],"tags":[273,275,282,1540],"content_author":[],"class_list":["post-75062","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-stiri","tag-cheltuieli","tag-chirie","tag-locuinta","tag-rata"],"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>De c\u00e2\u021bi bani ai nevoie pentru a-\u021bi acoperi cheltuielile cu locuin\u021ba? 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