{"id":81427,"date":"2026-10-13T15:10:10","date_gmt":"2026-10-13T12:10:10","guid":{"rendered":"https:\/\/www.imobiliare.ro\/imoexpert\/?p=81427"},"modified":"2026-10-13T15:10:14","modified_gmt":"2026-10-13T12:10:14","slug":"fides-romania-are-nevoie-de-un-program-national-de-locuire-accesibila-si-de-reguli-clare-pentru-investitiile-private","status":"publish","type":"post","link":"https:\/\/www.imobiliare.ro\/imoexpert\/fides-romania-are-nevoie-de-un-program-national-de-locuire-accesibila-si-de-reguli-clare-pentru-investitiile-private_db\/","title":{"rendered":"FIDES: Rom\u00e2nia are nevoie de un program na\u021bional de locuire accesibil\u0103 \u0219i de reguli clare pentru investi\u021biile private"},"content":{"rendered":"\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"630\" src=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2026\/10\/fides.jpg\" alt=\"fides\" class=\"wp-image-81428\" srcset=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2026\/10\/fides.jpg 1200w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2026\/10\/fides-378x198.jpg 378w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2026\/10\/fides-770x404.jpg 770w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2026\/10\/fides-600x315.jpg 600w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2026\/10\/fides-390x205.jpg 390w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Un apartament de 55 de metri p\u0103tra\u021bi, cump\u0103rat cu un avans de 15% \u0219i un credit pe 25 de ani, ar lua 56,3% din salariul mediu net. Dup\u0103 plata ratei \u0219i a co\u0219ului minim de trai, unui salariat cu venit mediu i-ar mai r\u0103m\u00e2ne 47 de euro pe lun\u0103. Calculul, f\u0103cut de Institutul pentru Ora\u0219e Vizionare (IOV) \u0219i prezentat la Affordable Housing Summit Romania, arat\u0103 unde se rupe ast\u0103zi drumul spre o locuin\u021b\u0103: nu la pre\u021bul din anun\u021b, ci la ce r\u0103m\u00e2ne din salariu dup\u0103 plata ratei.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Summitul, organizat de Federa\u021bia Investitorilor \u0219i Dezvoltatorilor pentru o Economie Sustenabil\u0103 (FIDES) al\u0103turi de Confedera\u021bia Patronal\u0103 Concordia pe 5 octombrie, de Ziua Mondial\u0103 a Locuirii, la Palatul Parlamentului, a reunit peste 200 de reprezentan\u021bi ai institu\u021biilor europene \u0219i na\u021bionale, ai administra\u021biei locale, ai b\u0103ncilor, ai investitorilor \u0219i ai dezvoltatorilor. Concluziile evenimentului pot fi rezumate \u00een trei direc\u021bii: un program na\u021bional de locuire accesibil\u0103, adaptat nevoilor locale; un cadru legislativ \u0219i financiar func\u021bional, inclusiv pentru parteneriatele public-private (PPP) \u0219i pentru societ\u0103\u021bile de investi\u021bii imobiliare (Real Estate Investment Trusts, REIT); constituirea unui Hub na\u021bional pentru locuirea accesibil\u0103 \u0219i preg\u0103tirea primului portofoliu de proiecte-pilot.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201eAvem una dintre cele mai mari ponderi de proprietari din Europa, dar patru din zece rom\u00e2ni locuiesc \u00een spa\u021bii supraaglomerate. A de\u021bine o locuin\u021b\u0103 nu \u00eenseamn\u0103 a avea locuin\u021ba de care ai nevoie. Pentru a trece de la politici la proiecte \u0219i de la proiecte la locuin\u021be pe care oamenii \u0219i le pot permite, avem nevoie de un program na\u021bional \u0219i de reguli care s\u0103 func\u021bioneze, inclusiv pentru parteneriatele public-private \u0219i pentru REIT\u201d, a declarat <strong>Constantin Sebe\u0219anu, pre\u0219edintele FIDES<\/strong>.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_88 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Cuprins<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-6ace3c29beb01\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"ez-toc-cssicon\"><span class=\"eztoc-hide\" style=\"display:none;\">Comut\u0103 cuprinsul<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-6ace3c29beb01\"  aria-label=\"Comut\u0103 cuprinsul\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.imobiliare.ro\/imoexpert\/fides-romania-are-nevoie-de-un-program-national-de-locuire-accesibila-si-de-reguli-clare-pentru-investitiile-private_db\/#Proprietari_dar_inghesuiti\" >Proprietari, dar \u00eenghesui\u021bi<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.imobiliare.ro\/imoexpert\/fides-romania-are-nevoie-de-un-program-national-de-locuire-accesibila-si-de-reguli-clare-pentru-investitiile-private_db\/#Banii_publici_nu_ajung\" >Banii publici nu ajung<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.imobiliare.ro\/imoexpert\/fides-romania-are-nevoie-de-un-program-national-de-locuire-accesibila-si-de-reguli-clare-pentru-investitiile-private_db\/#Reguli_pentru_capitalul_privat\" >Reguli pentru capitalul privat<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.imobiliare.ro\/imoexpert\/fides-romania-are-nevoie-de-un-program-national-de-locuire-accesibila-si-de-reguli-clare-pentru-investitiile-private_db\/#Un_Hub_care_sa_lege_nivelurile\" >Un Hub care s\u0103 lege nivelurile<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Proprietari_dar_inghesuiti\"><\/span><strong>Proprietari, dar \u00eenghesui\u021bi<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Datele prezentate la summit arat\u0103 paradoxul. \u00cen 2025, 93,2% dintre rom\u00e2ni locuiau \u00eentr-o locuin\u021b\u0103 de\u021binut\u0103 de gospod\u0103rie, a doua cea mai mare pondere din Uniunea European\u0103, iar 92% locuiau \u00eentr-o cas\u0103 proprie f\u0103r\u0103 niciun credit pe ea. \u00cen acela\u0219i timp, 40,4% tr\u0103iau \u00een locuin\u021be supraaglomerate, fa\u021b\u0103 de 16,8% media UE, cea mai mare rat\u0103 din Uniune. Restan\u021bele la chirie, rat\u0103, utilit\u0103\u021bi sau cump\u0103r\u0103turi \u00een rate s-au dublat \u00een patru ani, de la 9,4% \u00een 2021 la 18,5% \u00een 2025, cea mai mare cre\u0219tere din UE.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201eLocuin\u021ba este relativ accesibil\u0103. Finan\u021barea ei, nu\u201d, a fost concluzia prezent\u0103rii sus\u021binute de <strong>Florian Filat, director executiv al IOV<\/strong>. Rata de 56,3% din model dep\u0103\u0219e\u0219te pragul de 45% pe care Banca Na\u021bional\u0103 a Rom\u00e2niei \u00eel permite la prima locuin\u021b\u0103. Prezentarea Colliers, sus\u021binut\u0103 de <strong>Gabriel Bl\u0103ni\u021b\u0103, Director Valuation &amp; Advisory Services la Colliers Rom\u00e2nia<\/strong><strong>,<\/strong> a completat imaginea: doar 1% dintre rom\u00e2ni locuiesc \u00eentr-o cas\u0103 cu credit ipotecar \u00een derulare \u0219i 7% \u00een chirie, fa\u021b\u0103 de 27%, respectiv 35% \u00een zona euro.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Matthew Baldwin, \u0219eful Grupului operativ pentru locuin\u021be al Comisiei Europene<\/strong>, a mutat discu\u021bia \u00een zona economiei \u0219i a spus c\u0103 locuirea este un drept fundamental, nu un privilegiu. Este \u0219i o problem\u0103 pentru economie \u0219i pentru locurile de munc\u0103, inclusiv pentru mobilitatea for\u021bei de munc\u0103, a mai spus oficialul european. Baldwin a \u00eendemnat Rom\u00e2nia s\u0103 fie prima \u021bar\u0103 din regiune care lanseaz\u0103 un astfel de program.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Concordia a adus \u00een aceast\u0103 ecua\u021bie perspectiva angajatorilor. <strong>Dan \u0218ucu, pre\u0219edintele Confedera\u021biei Patronale Concordia<\/strong>, a amintit rolul programului \u201ePrima Cas\u0103\u201d dup\u0103 criza din 2009\u20132011: \u201ePe baza acestui program, Rom\u00e2nia a ie\u0219it din criz\u0103.\u201d Concluziile summitului recomand\u0103 ca angajatorii mari \u0219i confedera\u021biile patronale s\u0103 aduc\u0103 date concrete din pia\u021ba muncii despre locurile \u00een care costul locuirii blocheaz\u0103 recrutarea \u0219i reten\u021bia, inclusiv pentru profesori, medici, poli\u021bi\u0219ti \u0219i al\u021bi angaja\u021bi esen\u021biali.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Banii_publici_nu_ajung\"><\/span><strong>Banii publici nu ajung<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Politica de coeziune 2021\u20132027 sus\u021bine investi\u021bii \u00een locuin\u021be sociale \u0219i accesibile de 500,5 milioane de euro din fonduri europene, din care 206,5 milioane au fost direc\u021bionate c\u0103tre domeniu prin revizuirea de la jum\u0103tatea perioadei, potrivit Ministerului Investi\u021biilor \u0219i Proiectelor Europene. Accesul la aceste fonduri nu este automat: depinde de regulile fiec\u0103rui program, de eligibilitatea investi\u021biilor \u0219i de proiecte preg\u0103tite. <strong>Drago\u0219 P\u00eeslaru, ministrul interimar al Investi\u021biilor \u0219i Proiectelor Europene<\/strong>, a spus c\u0103 ceea ce lipse\u0219te cu adev\u0103rat \u00een Rom\u00e2nia, \u00een acest moment, este o viziune coordonat\u0103 asupra sectorului locuin\u021belor. Pasul urm\u0103tor, \u00een opinia ministrului, este trecerea de la finan\u021barea public\u0103 direct\u0103 la mecanisme care atrag capital privat.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Orsolya-M\u00e1ria K\u00f6v\u00e9r, secretar de stat \u00een Ministerul Dezvolt\u0103rii, Lucr\u0103rilor Publice \u0219i Administra\u021biei (MDLPA)<\/strong>, a ajuns la aceea\u0219i concluzie: \u201eAvem pu\u021bini bani pentru locuin\u021bele sociale, deci trebuie ca o agen\u021bie na\u021bional\u0103 pentru locuire s\u0103 gestioneze toate fondurile. Trebuie s\u0103 cre\u0103m arhitectura corect\u0103 pentru finan\u021barea corect\u0103 a planului de locuire.\u201d<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201e\u00cen Rom\u00e2nia suntem destul de noroco\u0219i: avem speciali\u0219ti, avem finan\u021bare, dar nu avem mecanismele principale de utilizare a banilor\u201d, a declarat <strong>Venera Vlad, director asociat la Banca European\u0103 pentru Reconstruc\u021bie \u0219i Dezvoltare (BERD)<\/strong>. Nevoia este mare mai ales \u00een marile municipii, a ar\u0103tat ea, iar BERD lucreaz\u0103 \u00een acest sens cu <strong>Ministerul Dezvolt\u0103rii, Lucr\u0103rilor Publice \u0219i Administra\u021biei (MDLPA)<\/strong>, Ministerul Investi\u021biilor \u0219i Proiectelor Europene \u0219i cu municipalit\u0103\u021bile.<strong><\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Reguli_pentru_capitalul_privat\"><\/span><strong>Reguli pentru capitalul privat<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Pentru investitorii \u0219i dezvoltatorii pe care FIDES \u00eei reprezint\u0103, aici este miezul problemei: capitalul privat poate construi locuin\u021be accesibile doar dac\u0103 regulile sunt stabile \u0219i previzibile. Parteneriatele public-private au fost g\u00e2ndite \u00een Rom\u00e2nia pentru infrastructura mare. <strong>Sergiu Manea, CEO al BCR<\/strong>, a pus \u00eentrebarea practic\u0103: c\u00e2t dureaz\u0103 adaptarea lor la proiecte mai mici, de locuin\u021be.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">De aceea, FIDES sus\u021bine un cadru pentru parteneriatele public-private adaptat proiectelor de locuire, cu riscuri \u0219i beneficii repartizate clar \u0219i cu efectele asupra bugetului public evaluate transparent pentru fiecare model, precum \u0219i adoptarea, promulgarea \u0219i opera\u021bionalizarea legii privind societ\u0103\u021bile de investi\u021bii imobiliare, aflat\u0103 \u00een procedur\u0103 legislativ\u0103 la Camera Deputa\u021bilor. REIT-urile ar putea aduce capital pe termen lung pentru locuin\u021be de \u00eenchiriat, \u00eentr-o \u021bar\u0103 \u00een care chiria este \u00eenc\u0103 o excep\u021bie. Unde exist\u0103 sprijin public, beneficiarii, chiriile sau pre\u021burile \u0219i durata obliga\u021biilor de accesibilitate trebuie \u00eens\u0103 fixate de la \u00eenceput.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Un_Hub_care_sa_lege_nivelurile\"><\/span><strong>Un Hub care s\u0103 lege nivelurile<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Concluziile summitului descriu \u0219i cum ar trebui s\u0103 func\u021bioneze sistemul: proceduri simple, previzibile \u0219i f\u0103r\u0103 blocaje, o capacitate central\u0103 solid\u0103, care s\u0103 coordoneze programul \u0219i s\u0103 structureze finan\u021barea, \u0219i sprijin tehnic pentru autorit\u0103\u021bile locale, astfel \u00eenc\u00e2t acestea s\u0103 poat\u0103 ac\u021biona rapid acolo unde decizia lor este esen\u021bial\u0103.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Piesa care leag\u0103 aceste niveluri este un Hub na\u021bional pentru locuirea accesibil\u0103. Ideea are deja un cadru european: Matthew Baldwin a prezentat platforma pan-european\u0103 de investi\u021bii \u00een locuin\u021be a Comisiei, care va func\u021biona prin huburi na\u021bionale de finan\u021bare. La nivel na\u021bional, MDLPA lucreaz\u0103 deja la o astfel de structur\u0103. \u201e\u00cencerc\u0103m s\u0103 preg\u0103tim instrumentele na\u021bionale practice pentru a pune \u00een aplicare acest program. Pentru Hub-ul na\u021bional pentru locuire, acum facem parteneriate ca s\u0103 \u00eel form\u0103m\u201d, a spus Orsolya-M\u00e1ria K\u00f6v\u00e9r.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">FIDES propune ca Hub-ul s\u0103 fie constituit printr-un acord de cooperare, cu un coordonator public \u0219i un secretariat tehnic, la care s\u0103 fie invitate autorit\u0103\u021bile, institu\u021biile de finan\u021bare, dezvoltatorii, operatorii de locuin\u021be, confedera\u021biile patronale \u0219i societatea civil\u0103. Mandatul lui ar fi practic: identificarea cererii \u0219i a proiectelor eligibile, preg\u0103tirea unui portofoliu de proiecte finan\u021babile \u0219i formularea de propuneri pentru eliminarea blocajelor administrative. Ini\u021biativa similar\u0103 lansat\u0103 \u00een Fran\u021ba \u00een septembrie este o surs\u0103 de inspira\u021bie, nu un model de copiat integral.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00cen perioada urm\u0103toare, FIDES va transmite concluziile summitului participan\u021bilor \u0219i partenerilor, va invita autorit\u0103\u021bile, institu\u021biile de finan\u021bare \u0219i ceilal\u021bi actori implica\u021bi la o \u00eent\u00e2lnire de constituire a Hub-ului \u0219i va centraliza propunerile concrete de proiect. Mandatul Hub-ului \u0219i primul portofoliu de proiecte vor fi definite \u00eempreun\u0103 cu institu\u021biile care accept\u0103 s\u0103 participe. Federa\u021bia include \u0219i dialogul privind legea REIT \u00eentre priorit\u0103\u021bile sale legislative.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201eCa dezvoltatori \u0219i investitori, ne asum\u0103m \u0219i propria responsabilitate: nu doar s\u0103 cerem politici mai bune, ci s\u0103 venim cu propuneri \u0219i proiecte care le pot pune \u00een practic\u0103. Valoarea acestui summit se va m\u0103sura prin ceea ce construim dup\u0103 el\u201d, a ad\u0103ugat Constantin Sebe\u0219anu.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Avem una dintre cele mai mari ponderi de proprietari din Europa, dar patru din zece rom\u00e2ni locuiesc \u00een spa\u021bii supraaglomerate. <\/p>\n","protected":false},"author":821,"featured_media":81428,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2490],"tags":[2635,327],"content_author":[],"class_list":["post-81427","post","type-post","status-publish","format-standard","has-post-thumbnail","category-profesionisti","tag-fides","tag-romania"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>FIDES: Rom\u00e2nia are nevoie de un program na\u021bional de locuire accesibil\u0103 \u0219i de reguli clare pentru investi\u021biile private - 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