{"id":81729,"date":"2026-10-30T15:17:06","date_gmt":"2026-10-30T13:17:06","guid":{"rendered":"https:\/\/www.imobiliare.ro\/imoexpert\/?p=81729"},"modified":"2026-10-30T15:20:52","modified_gmt":"2026-10-30T13:20:52","slug":"ce-ar-schimba-avansul-de-5-pentru-tineri-si-piata-imobiliara","status":"publish","type":"post","link":"https:\/\/www.imobiliare.ro\/imoexpert\/ce-ar-schimba-avansul-de-5-pentru-tineri-si-piata-imobiliara_db\/","title":{"rendered":"Ce ar schimba avansul de 5% pentru tineri \u0219i pia\u021ba imobiliar\u0103?"},"content":{"rendered":"\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"675\" src=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2026\/10\/tva-5.jpg\" alt=\"cuplu prezinta cheia unei locuinte\" class=\"wp-image-81730\" srcset=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2026\/10\/tva-5.jpg 1200w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2026\/10\/tva-5-770x433.jpg 770w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2026\/10\/tva-5-390x219.jpg 390w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Proiectul adoptat de Senat pe 26 octombrie vizeaz\u0103 extinderea avansului redus pentru beneficiarii care nu au \u00eemplinit 35 de ani, \u00een segmentul superior al programului, asociat locuin\u021belor de p\u00e2n\u0103 la 140.000 de euro. Propunerea mai are de parcurs etape legislative; analiza de fa\u021b\u0103 prive\u0219te efectele pe care le-ar putea produce dac\u0103 va deveni aplicabil\u0103.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Reducerea avansului pentru cump\u0103rarea unei locuin\u021be poate avea un impact real \u00een dou\u0103 direc\u021bii: facilitarea accesului la o locuin\u021b\u0103 dar \u0219i un imbold pentru accelerarea v\u00e2nz\u0103rilor.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pentru pia\u021ba imobiliar\u0103, reducerea avansului ar putea reprezenta un semnal important. O parte dintre tinerii care ast\u0103zi am\u00e2n\u0103 achizi\u021bia, de\u0219i au venituri care le-ar permite s\u0103 sus\u021bin\u0103 un credit, ar putea face mai repede pasul c\u0103tre prima locuin\u021b\u0103. Transformarea acestei cereri \u00een tranzac\u021bii ar sus\u021bine v\u00e2nz\u0103rile \u00een segmentele eligibile \u0219i ar putea scurta timpul de v\u00e2nzare al propriet\u0103\u021bilor care se \u00eencadreaz\u0103 \u00een bugetele cump\u0103r\u0103torilor. Pentru dezvoltatori, accelerarea v\u00e2nz\u0103rilor ar putea \u00eembun\u0103t\u0103\u021bi fluxurile de numerar \u0219i ar oferi mai mult\u0103 \u00eencredere pentru lansarea unor proiecte dedicate acestui public. Amploarea impulsului va depinde \u00eens\u0103 de condi\u021biile finale ale programului, de fondurile disponibile \u0219i de capacitatea tinerilor de a ob\u021bine finan\u021barea.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_89 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-6ae4b44d471e3\" 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-6ae4b44d471e3\"  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\/ce-ar-schimba-avansul-de-5-pentru-tineri-si-piata-imobiliara_db\/#Capacitatea_de_a_economisi_pentru_avans_nu_e_acelasi_lucru_cu_capacitatea_de_a_sustine_o_rata\" >Capacitatea de a economisi pentru avans nu e acela\u0219i lucru cu capacitatea de a sus\u021bine o rat\u0103<\/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\/ce-ar-schimba-avansul-de-5-pentru-tineri-si-piata-imobiliara_db\/#Mai_multi_cumparatori_dar_si_presiune_pe_preturi\" >Mai mul\u021bi cump\u0103r\u0103tori dar \u0219i presiune pe pre\u021buri<\/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\/ce-ar-schimba-avansul-de-5-pentru-tineri-si-piata-imobiliara_db\/#Avansul_mai_mic_schimba_si_bugetul_de_dupa_achizitie\" >Avansul mai mic schimb\u0103 \u0219i bugetul de dup\u0103 achizi\u021bie<\/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\/ce-ar-schimba-avansul-de-5-pentru-tineri-si-piata-imobiliara_db\/#Cum_ar_trebui_evaluat_succesul_masurii\" >Cum ar trebui evaluat succesul m\u0103surii<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading has-medium-font-size\"><span class=\"ez-toc-section\" id=\"Capacitatea_de_a_economisi_pentru_avans_nu_e_acelasi_lucru_cu_capacitatea_de_a_sustine_o_rata\"><\/span><strong>Capacitatea de a economisi pentru avans nu e acela\u0219i lucru cu capacitatea de a sus\u021bine o rat\u0103<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Exist\u0103 o diferen\u021b\u0103 \u00eentre capacitatea de a economisi pentru avans \u0219i capacitatea de a sus\u021bine o rat\u0103 lunar\u0103. Un t\u00e2n\u0103r poate avea venituri stabile, dar acumularea economiilor necesare \u00eei poate am\u00e2na achizi\u021bia. Mai ales atunci c\u00e2nd, \u00een paralel, pl\u0103te\u0219te chirie. O contribu\u021bie ini\u021bial\u0103 mai mic\u0103 ar r\u0103spunde exact acestei situa\u021bii.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Calculul este simplu: pentru o locuin\u021b\u0103 de 100.000 de euro, un avans de 15% \u00eenseamn\u0103 15.000 de euro, iar unul de 5% \u00eenseamn\u0103 5.000 de euro. Diferen\u021ba de 10.000 de euro poate schimba momentul \u00een care cump\u0103r\u0103torul intr\u0103 \u00een pia\u021b\u0103.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Din perspectiva pie\u021bei, o parte dintre cei care a\u0219teapt\u0103 s\u0103 str\u00e2ng\u0103 avansul ar putea deveni cump\u0103r\u0103tori mai repede. M\u0103 a\u0219tept ca o asemenea m\u0103sur\u0103 s\u0103 sus\u021bin\u0103 cererea \u0219i s\u0103 poat\u0103 aduce tranzac\u021bii suplimentare \u00een segmentele eligibile. Amploarea efectului ar depinde de accesul efectiv la finan\u021bare \u0219i de bugetul programului.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-medium-font-size\"><span class=\"ez-toc-section\" id=\"Mai_multi_cumparatori_dar_si_presiune_pe_preturi\"><\/span><strong>Mai mul\u021bi cump\u0103r\u0103tori dar \u0219i presiune pe pre\u021buri<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Atunci c\u00e2nd oferta se modific\u0103 lent, cererea suplimentar\u0103 poate crea concuren\u021b\u0103 mai mare pentru acelea\u0219i propriet\u0103\u021bi. \u00cen marile ora\u0219e, acest mecanism ar putea deveni vizibil \u00een zonele \u0219i \u00een categoriile de locuin\u021be c\u0103utate de beneficiarii programului. O parte din avantajul unui avans mai mic s-ar putea transfera astfel c\u0103tre v\u00e2nz\u0103tori, prin pre\u021buri mai ridicate.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Nu a\u0219 transforma aceast\u0103 posibilitate \u00eentr-o prognoz\u0103 de scumpire pentru \u00eentreaga pia\u021b\u0103. Num\u0103rul beneficiarilor, veniturile lor \u0219i oferta eligibil\u0103 vor conta. La fel de relevant este dac\u0103 programul genereaz\u0103 achizi\u021bii suplimentare sau \u00eei determin\u0103 pe oameni s\u0103 aleag\u0103 o alt\u0103 form\u0103 de finan\u021bare pentru o cump\u0103rare pe care ar fi f\u0103cut-o oricum.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pentru dezvoltatori, o cerere mai accesibil\u0103 finan\u021b\u0103rii poate sus\u021bine decizia de a investi \u00een proiecte potrivite acestui public. Dar locuin\u021bele noi au nevoie de timp pentru autorizare \u0219i construc\u021bie. R\u0103spunsul ofertei nu poate fi imediat, iar facilitarea credit\u0103rii trebuie g\u00e2ndit\u0103 \u00eempreun\u0103 cu dezvoltarea locuirii \u0219i a infrastructurii.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Avansul_mai_mic_schimba_si_bugetul_de_dupa_achizitie\"><\/span><strong>Avansul mai mic schimb\u0103 \u0219i bugetul de dup\u0103 achizi\u021bie<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u00cen exemplul de mai sus, suma \u00eemprumutat\u0103 ar cre\u0219te de la 85.000 la 95.000 de euro. La aceea\u0219i dob\u00e2nd\u0103, durat\u0103 \u0219i metod\u0103 de rambursare, rata aferent\u0103 principalului \u0219i dob\u00e2nzii ar fi cu aproximativ 11,8% mai mare. Efortul ini\u021bial se reduce, dar o parte mai mare din pre\u021b este pl\u0103tit\u0103 \u00een timp, prin credit.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">De aceea, cred c\u0103 discu\u021bia despre acces trebuie s\u0103 includ\u0103 bugetul lunar r\u0103mas dup\u0103 plata ratei, asigur\u0103rilor, \u00eentre\u021binerii \u0219i celorlalte cheltuieli. Conteaz\u0103 \u0219i c\u00e2t\u0103 rezerv\u0103 p\u0103streaz\u0103 cump\u0103r\u0103torul pentru o perioad\u0103 cu venituri mai mici sau pentru o eventual\u0103 cre\u0219tere a dob\u00e2nzii. O decizie bun\u0103 de achizi\u021bie trebuie s\u0103 poat\u0103 fi sus\u021binut\u0103 \u0219i atunci c\u00e2nd condi\u021biile devin mai dificile.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-medium-font-size\"><span class=\"ez-toc-section\" id=\"Cum_ar_trebui_evaluat_succesul_masurii\"><\/span><strong>Cum ar trebui evaluat succesul m\u0103surii<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Ca profesionist \u00eentr-o platform\u0103 care conecteaz\u0103 oamenii cu pia\u021ba imobiliar\u0103, consider c\u0103 avem responsabilitatea de a explica aceste efecte. Comunicarea unui avans de 5% trebuie \u00eenso\u021bit\u0103 de explica\u021bia costului total, a condi\u021biilor de eligibilitate \u0219i a alternativelor de finan\u021bare. Claritatea ajut\u0103 cump\u0103r\u0103torul s\u0103 \u00ee\u0219i aleag\u0103 locuin\u021ba \u0219i creditul \u00een func\u021bie de propriul buget.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A\u0219 evalua rezultatul m\u0103surii urm\u0103rind c\u00e2\u021bi tineri reu\u0219esc s\u0103 cumpere, cum \u00ee\u0219i sus\u021bin ulterior obliga\u021biile \u0219i cum evolueaz\u0103 pre\u021burile \u00een segmentele vizate. \u00cen paralel, avem nevoie de o ofert\u0103 mai bogat\u0103 de locuin\u021be bine conectate la transport, \u0219coli \u0219i servicii. Accesul la proprietate are valoare atunci c\u00e2nd vine \u00eempreun\u0103 cu o locuire pe care oamenii \u0219i-o pot permite pe termen lung.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Proiectul adoptat de Senat vizeaz\u0103 extinderea avansului redus pentru beneficiarii care nu au \u00eemplinit 35 de ani.<\/p>\n","protected":false},"author":869,"featured_media":81730,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2490],"tags":[2650],"content_author":[],"class_list":["post-81729","post","type-post","status-publish","format-standard","has-post-thumbnail","category-profesionisti","tag-avans-5"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Ce ar schimba avansul de 5% pentru tineri \u0219i pia\u021ba imobiliar\u0103? - Profesioni\u0219ti - ImoExpert<\/title>\n<meta name=\"description\" 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