{"id":8923,"date":"2011-02-22T13:42:12","date_gmt":"2011-02-22T11:42:12","guid":{"rendered":"https:\/\/www.imobiliare.ro\/?p=8923_db\/"},"modified":"2011-02-22T13:42:12","modified_gmt":"2011-02-22T11:42:12","slug":"ultima-strigare-pentru-prima-casa-ce-trebuie-sa-stii-pentru-a-obtine-un-credit-garantat-de-catre-stat","status":"publish","type":"post","link":"https:\/\/www.imobiliare.ro\/imoexpert\/ultima-strigare-pentru-prima-casa-ce-trebuie-sa-stii-pentru-a-obtine-un-credit-garantat-de-catre-stat_db\/","title":{"rendered":"Ultima strigare pentru Prima Cas\u0103! Ce trebuie s\u0103 \u015ftii pentru a ob\u0163ine un credit garantat de c\u0103tre stat"},"content":{"rendered":"

Potrivit estim\u0103rilor autorit\u0103\u0163ilor, fondurile alocate pentru programul guvernamental \u00een acest an se pot termina p\u00e2n\u0103 la sf\u00e2r\u015fitul lunii martie. <\/strong><\/p>\n

\u00cen condi\u0163iile \u00een care continuarea programului Prima Cas\u0103 – dup\u0103 epuizarea plafonului de 200 de milioane de euro alocat pentru 2011 – este incert\u0103, brokerii de credite recomand\u0103 tinerilor interesa\u0163i de achizi\u0163ia unei prime case s\u0103 se gr\u0103beasc\u0103. Ofelia Ni\u0163u, consilier pentru credite cu ipotec\u0103 \u00een cadrul Credit Zone, spune c\u0103 unele b\u0103nci \u015fi-au epuizat deja fondurile alocate de fondul de garantare. Ea explic\u0103 pas cu pas ce ar trebui s\u0103 \u015ftie un aplicant la programul guvernamental.<\/p>\n

1. Ce ar trebui s\u0103 faci \u00eenainte de a solicita un credit garantat de c\u0103tre stat?<\/strong>
\n\u00cen primul r\u00e2nd, ar trebui s\u0103 cite\u015fti legisla\u0163ia, hot\u0103r\u00e2rile de Guvern aferente fiec\u0103rei p\u0103r\u0163i a programului, pentru c\u0103 a\u015fa vei afla \u00een ce const\u0103 acesta \u015fi dac\u0103 te \u00eencadrezi \u00een condi\u0163iile sale. Trebuie s\u0103 \u015ftii, spre exemplu, c\u0103 pentru a fi eligibil nu trebuie s\u0103 fii de\u0163inut niciun imobil din anul 2000 p\u00e2n\u0103 acum. \u00cen aceast\u0103 categorie nu sunt incluse \u015fi terenurile, astfel \u00eenc\u00e2t \u015fi persoanele care de\u0163in astfel de propriet\u0103\u0163i pot ob\u0163ine un credit prin Prima Cas\u0103 (spre deosebire de anul 2009). Pentru mai multe detalii po\u0163i citi hot\u0103r\u00e2rea de guvern <\/a>privind implementarea programului Prima Cas\u0103 \u00een 2011. <\/p>\n

\"\"<\/a>Partea a treia a programului a adus unele modific\u0103ri fa\u0163\u0103 de etapele anterioare. Printre acestea se num\u0103r\u0103:<\/p>\n

– instituirea unei garan\u0163ii suplimentare prin aplicarea unui gaj pe conturile curente ale \u00eemprumutatului<\/a>, \u00eens\u0103 doar la banca creditoare;
\n– dac\u0103 doi so\u0163i au achizi\u0163ionat o locuin\u0163\u0103 prin programul Prima Cas\u0103, iar apoi divor\u0163eaz\u0103, unul dintre ei are posibilitatea de a cump\u0103ra cealalt\u0103 parte din imobil, tot prin intermediul programului guvernamental. La fel, dac\u0103 cineva de\u0163ine o cot\u0103-parte dintr-un imobil, poate cump\u0103ra cealalt\u0103 parte cu ajutorul unui credit garantat de c\u0103tre stat;
\n– posibilitatea de ree\u015falonare, rescaden\u0163are sau chiar refinan\u0163are a unui credit<\/a> anterior ob\u0163inut, tot prin intermediul programului Prima Cas\u0103.<\/p>\n

Cea mai mare modificare adus\u0103 de partea a doua a programului const\u0103 \u00een reducerea drastic\u0103 a plafonului de garantare, p\u00e2n\u0103 la suma de 200 milioane de euro. Potrivit declara\u0163iilor oficiale, aceast\u0103 sum\u0103 ar trebui s\u0103 fie epuizat\u0103 undeva pe la sf\u00e2r\u015fitul lunii martie, o decizie cu privire la continuarea programului urm\u00e2nd a fi luat\u0103 \u00een func\u0163ie de m\u0103sura \u00een care acesta \u015fi-a atins sau nu obiectivele. <\/p>\n

* Dac\u0103 vrei s\u0103-\u0163i ridici singur o locuin\u0163\u0103 cu ajutorul programului, trebuie s\u0103 \u015ftii c\u0103, de\u015fi cadrul legal pentru aceasta exist\u0103, p\u00e2n\u0103 acum nu au fost acordate credite pentru construc\u0163ia de locuin\u0163e de la zero, pentru c\u0103 b\u0103ncile nu dispun de un asemenea produs. Anul trecut au fost acordate doar c\u00e2teva credite pentru ridicarea unor imobile care aveau \u00eens\u0103 deja ob\u0163inute autoriza\u0163ii de construire.<\/p>\n

2. C\u00e2nd \u015fi la ce banc\u0103 s\u0103 mergi?<\/strong>
\nEste recomandabil ca, \u00eenainte chiar de a \u00eencepe c\u0103utarea unui imobil, s\u0103 mergi la banc\u0103 \u015fi s\u0103 ceri o analiz\u0103 financiar\u0103 preliminar\u0103, pe baza documentelor doveditoare de venit. Chiar dac\u0103 ai g\u0103sit un apartament potrivit dinainte, nu trebuie s\u0103 semnezi \u00eenc\u0103 un antecontract, pentru c\u0103 pot exista situa\u0163ii \u00een care banca s\u0103 nu-\u0163i acorde gradul de \u00eendatorare pe care ai mizat \u015fi s\u0103 fii astfel nevoit s\u0103 mai sco\u0163i din buzunar \u00eenc\u0103 c\u00e2teva mii de euro. O astfel de analiz\u0103 preliminar\u0103 poate dura \u015fi trei zile.
\nFiecare client va opta pentru o anumit\u0103 banc\u0103 \u00een func\u0163ie de nevoile sale specifice. \u00cen partea a treia a programului Prima Cas\u0103 au fost incluse 21 de institu\u0163ii finan\u0163atoare. Pentru alegerea celei mai potrivite, sfatul unui broker de credite poate fi foarte util. Trebuie s\u0103 \u015ftii c\u0103 fiecare instu\u0163ie de credit are o list\u0103 anume cu veniturile pe care le ia \u00een calcul, iar ponderea acestora difer\u0103. Astfel, veniturile trecute pe cartea de munc\u0103 sunt luate \u00een calcul 100%. Exist\u0103 \u00eens\u0103 \u015fi b\u0103nci \u2013 Banca Rom\u00e2neasc\u0103, Raiffeissen \u2013 care iau \u00een considerare \u015fi bonurile de mas\u0103. <\/p>\n

\u00cen ceea ce prive\u015fte veniturile realizate de persoanele fizice autorizate sau cele cu drepturi de autor, acestea sunt luate \u00een considerare \u00een propor\u0163ii de 60-90%, \u00een func\u0163ie de institu\u0163ia finan\u0163atoare. La fel, \u015fi indemniza\u0163iile maternale au o pondere diferit\u0103 – 100% la Raiffeissen, 75% la BCR, 80% la Piraeus etc. Exist\u0103 \u015fi b\u0103nci care accept\u0103 \u015fi venituri din str\u0103in\u0103tate, iar\u0103\u015fi \u00een propor\u0163ii diferite. <\/p>\n

Un alt element extrem de important \u00een alegerea unei b\u0103nci este reprezentat de gradul de \u00eendatorare oferit de aceasta. Cel mai mic grad de \u00eendatorare este acordat de BCR (50-55%), iar cel mai mare de Raiffeissen (65%).<\/p>\n

\u00cen ceea ce prive\u015fte dob\u00e2nzile practicate de c\u0103tre b\u0103nci, acestea difer\u0103. Iat\u0103 un top al primelor \u015fase institu\u0163ii de credit, \u00een ordinea cresc\u0103toare a dob\u00e2nzilor:<\/p>\n

1.Raiffeisen Bank: 4,61% (dac\u0103 optezi pentru oferta promo\u0163ional\u0103 de a-\u0163i vira salariul prin banc\u0103, prin care beneficiezi de o reducere a ratei la credit)
\n2.Emporiki: 5,13%
\n3.Raiffeisen Bank: 5,14%
\n4.Leumi: 5,34%
\n5.BRD: 5,35%
\n6.BCR: 5,4%<\/p>\n

De asemenea, un criteriu de selec\u0163ie a unei b\u0103nci poate fi \u015fi plafonul alocat fiec\u0103rei institu\u0163ii incluse \u00een program de c\u0103tre Fondul Na\u0163ional de Garantare a Creditelor pentru \u00centreprinderi Mici \u015fi Mijlocii (FNGCIMM). Iat\u0103 un top cinci al b\u0103ncilor care dispun de cele mai multe fonduri:<\/p>\n

BCR – 64 milioane de euro
\nBRD – 32 milioane de euro
\nRaiffeisen – 25 milioane de euro
\nBanca Rom\u00e2neasc\u0103 – 21 milioane de euro
\nAlpha Bank – 18 milioane de euro<\/p>\n

Cel mai mic plafon, \u00een valoare de 100.000 de euro, a fost acordat c\u0103tre Volksbank, care l-a epuizat \u00eens\u0103 la scurt\u0103 vreme de la relansarea programului. De asemenea, Emporiki Bank a cheltuit p\u00e2n\u0103 acum suma alocat\u0103 de c\u0103tre fondul de garantare. <\/p>\n

3. Prefer\u0103 b\u0103ncile anumite tipuri de propriet\u0103\u0163i?<\/strong>
\n\u00cen program pot fi acceptate locuin\u0163e indiferent de anul de construc\u0163ie. Simplul fapt c\u0103 un apartament este situat \u00eentr-un bloc din anii 1950-1960 nu-l descalific\u0103 pentru ob\u0163inerea unui credit. Cu toate acestea, coeficientul de evaluare acordat respectivei propriet\u0103\u0163i va fi sensibil mai mic dec\u00e2t cel pentru o locuin\u0163\u0103 nou\u0103, fapt ce va afecta, \u00een final, valoarea \u00eemprumutului acordat (banca va alege \u00eentotdeauna minimul dintre valoarea de evaluare \u015fi pre\u0163ul de tranzac\u0163ionare). \u00cen general, se consider\u0103 c\u0103 toate propriet\u0103\u0163ile mai vechi de anul 2000 au deficien\u0163e \u015fi primesc un punctaj mai sc\u0103zut de evaluare.
\nExist\u0103 anumite b\u0103nci (precum BCR-ul, care are \u015fi departament intern de evaluare) care \u0163in foarte mult cont nu doar de anul construc\u0163iei, ci \u015fi de zona \u00een care este situat\u0103 locuin\u0163a, de gradul de poluare, de spa\u0163ii verzi etc. <\/p>\n

4. Ce ar trebui s\u0103 includ\u0103 dosarul de credit?<\/strong>
\nNum\u0103rul documentelor solicitate poate varia. \u00cen primul r\u00e2nd, sunt necesare actele doveditoare de venit: copie dup\u0103 cartea de munc\u0103 \u2013 \u00een cazul veniturilor salariale; copie dup\u0103 contractele de munc\u0103 \u015fi actele adi\u0163ionale \u2013 \u00een cazul persoanelor fizice autorizate \u015fi ale celor cu drepturi de autor; flutura\u015fi de salariu \u00een cazul \u00een care exist\u0103 diferen\u0163e \u00eentre veniturile trecute pe cartea de munc\u0103 \u015fi cele efective; declara\u0163ii din partea angajatorului, \u00een cazul c\u00e2\u015ftigurilor realizate \u00een str\u0103in\u0103tate.
\nEste necesar\u0103 de asemenea cea mai recent\u0103 fi\u015f\u0103 fiscal\u0103 (p\u00e2n\u0103 pe 25 februarie se accept\u0103 cea aferent\u0103 anului 2009). \u00cen plus, banca poate solicita dovada unor cheltuieli curente, cum ar fi factura de utilit\u0103\u0163i \u2013 orice factur\u0103 inclus\u0103 \u00een dosar are termen de valabilitate 30 de zile, astfel \u00eenc\u00e2t, dac\u0103 procesarea dosarului va dura mai mult, aceasta va trebui re\u00eennoit\u0103.
\nLegat de locuin\u0163a pe care vrei s\u0103 o cumperi, dosarul trebuie s\u0103 includ\u0103 copii dup\u0103 actele de proprietate ale acesteia, cadastru, extras de carte funciar\u0103 etc. Unele b\u0103nci pot solicita de asemenea un istoric al propriet\u0103\u0163ii achizi\u0163ionate. <\/p>\n

5. De c\u00e2\u0163i bani ai nevoie pentru a face un credit prin Prima Cas\u0103?<\/strong>
\nPentru achizi\u0163ia unei locuin\u0163e \u00een valoare de 60.000 de euro, un aplicant ar trebui s\u0103 dispun\u0103 de o sum\u0103 de peste 5.000 de euro. Aceasta este compus\u0103 din: <\/p>\n

– Avans, care trebuie s\u0103 fie de minimum 5% din valoarea propriet\u0103\u0163ii. Astfel, creditul maxim ce poate fi ob\u0163inut prin program poate fi de 57.000 de euro. Dac\u0103 locuin\u0163a este mai scump\u0103 de 60.000 de euro, restul sumei va trebui suplimentat\u0103 de beneficiar din fonduri proprii.
\n– Taxa de evaluare a imobilului \u2013 \u00een pia\u0163\u0103 se practic\u0103 momentan tarife de p\u00e2n\u0103 \u00een 100 de euro. \u00cen mod normal, fiecare banc\u0103 are o list\u0103 de evaluatori agrea\u0163i, pe care i-o comunic\u0103 clientului \u015fi dintre care acesta poate alege. De asemenea, exist\u0103 \u015fi b\u0103nci, precum banca Rom\u00e2neasc\u0103, care ofer\u0103 aceast\u0103 evaluare gratuit\u0103.
\n– Comisionul \u00een valoare de 0,49% virat c\u0103tre FNGCIMM dup\u0103 aprobarea dosarului. Acest comision se va pl\u0103ti anual pe toat\u0103 durata ramburs\u0103rii \u00eemprumutului. Majoritatea b\u0103ncilor din pia\u0163\u0103 asigur\u0103 plata acestui comision printr-o a treisprezecea rat\u0103 anual\u0103, dar sunt \u015fi b\u0103nci (Banca Rom\u00e2neasc\u0103 \u015fi Intesa SanPaolo Bank) care au distribuit aceast\u0103 sum\u0103 \u00een cele doisprezece rate pl\u0103tite de-a lungul anului.
\n– Depozitul colateral ce trebuie deschis la banc\u0103, care trebuie s\u0103 includ\u0103 primele trei rate de dob\u00e2nd\u0103. Aceast\u0103 sum\u0103 ar ajunge la 620-660 de euro. O institu\u0163ie financiar\u0103, respectiv Banca Rom\u00e2neasc\u0103, acoper\u0103 acest depozit din fondurile proprii, incluz\u00e2nd aceste costuri \u00een valoarea creditului.
\n– Asigurarea obligatorie a imobilului<\/a>, \u00een conformitate cu legea creditului ipotecar. Prima anual\u0103 de asigurare poate ajunge p\u00e2n\u0103 la un maximum de 0,2% din valoarea imobilului. Banca pune la dispozi\u0163ia clientului o list\u0103 cu asigur\u0103tori de credite agrea\u0163i sau poate opta de la sine pentru un asigur\u0103tor, \u00eens\u0103 beneficiarul are dreptul de a alege \u015fi a negocia cu ace\u015ftia.
\n– Taxele notariale, ce ajung la un nivel standard de 1.000-1.200 de euro la un credit de 57.000 de euro. Acest pre\u0163 poate fi \u00eens\u0103 negociat. Dac\u0103 anumite componente ale taxelor notariale sunt fixe, onorariile percepute de c\u0103tre notari sunt variabile, mai ales \u00een actualul context economic. <\/p>\n

Cum te poate ajuta un broker de credite<\/strong>
\nEste important s\u0103 \u015ftii c\u0103, dac\u0103 vei apela la un astfel de intermediar \u00een rela\u0163ia cu banca, nu va trebui s\u0103 pl\u0103te\u015fti nimic \u00een plus. Brokerul este ca un fel de angajat al institu\u0163iilor de credit, care lucreaz\u0103 pe baz\u0103 de comision, iar acest fapt nu \u00eencarc\u0103 cu nimic costul creditului suportat de c\u0103tre client. Cele mai mari avantaje ale apel\u0103rii la un astfel de specialist constau \u00een economia de timp \u015fi de bani. Astfel, brokerul \u00ee\u0163i va putea oferi din start consultan\u0163\u0103 specializat\u0103, te va ajuta s\u0103 alegi banca \u015fi produsul potrivite pentru tine, se va ocupa de rela\u0163ia cu evaluatorii, asigur\u0103torii, notarii, put\u00e2nd ob\u0163ine reduceri semnificative ale anumitor cheltuieli prin negociere. \u201eNe afl\u0103m \u00eentr-un moment \u00een care pentru orice v\u00e2nzare \u00een pia\u0163\u0103 se poate negocia pentru a ajunge unde dore\u015fti. Dac\u0103 nu g\u0103sim porti\u0163e astfel \u00eenc\u00e2t s\u0103 economisim poate \u015fi 100 de lei, asta s-ar putea s\u0103 se \u00eengreuneze foarte mult \u00abnota de plat\u0103\u00bb\u201d, conchide Ofelia Ni\u0163u. <\/div>\n","protected":false},"excerpt":{"rendered":"

Potrivit estim\u0103rilor autorit\u0103\u0163ilor, fondurile alocate pentru programul guvernamental \u00een acest an se pot termina p\u00e2n\u0103 la sf\u00e2r\u015fitul lunii martie. \u00cen condi\u0163iile \u00een care continuarea programului Prima Cas\u0103 – dup\u0103 epuizarea plafonului de 200 de milioane de euro alocat pentru 2011 – este incert\u0103, brokerii de credite recomand\u0103 tinerilor interesa\u0163i de achizi\u0163ia unei prime case s\u0103 […]<\/p>\n","protected":false},"author":829,"featured_media":8925,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[263],"tags":[306,321,294,546,1548],"content_author":[],"class_list":{"0":"post-8923","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-credite","8":"tag-articole","9":"tag-banci","10":"tag-credite-2","11":"tag-fngcimm","12":"tag-prima-casa"},"yoast_head":"\nUltima strigare pentru Prima Cas\u0103! Ce trebuie s\u0103 \u015ftii pentru a ob\u0163ine un credit garantat de c\u0103tre stat - Credite - ImoExpert<\/title>\n<meta name=\"description\" content=\"Potrivit estim\u0103rilor autorit\u0103\u0163ilor, fondurile alocate pentru programul guvernamental \u00een acest an se pot termina p\u00e2n\u0103 la sf\u00e2r\u015fitul lunii martie. \u00cen\" \/>\n<meta name=\"robots\" content=\"index, follow\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.imobiliare.ro\/imoexpert\/ultima-strigare-pentru-prima-casa-ce-trebuie-sa-stii-pentru-a-obtine-un-credit-garantat-de-catre-stat_db\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Ultima strigare pentru Prima Cas\u0103! Ce trebuie s\u0103 \u015ftii pentru a ob\u0163ine un credit garantat de c\u0103tre stat - Credite - ImoExpert\" \/>\n<meta property=\"og:description\" content=\"Potrivit estim\u0103rilor autorit\u0103\u0163ilor, fondurile alocate pentru programul guvernamental \u00een acest an se pot termina p\u00e2n\u0103 la sf\u00e2r\u015fitul lunii martie. \u00cen\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.imobiliare.ro\/imoexpert\/ultima-strigare-pentru-prima-casa-ce-trebuie-sa-stii-pentru-a-obtine-un-credit-garantat-de-catre-stat_db\/\" \/>\n<meta property=\"og:site_name\" content=\"ImoExpert\" \/>\n<meta property=\"article:published_time\" content=\"2011-02-22T11:42:12+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/og-cache\/primacasa2-94de6121-branded.jpg?v=9\" \/>\n\t<meta property=\"og:image:width\" content=\"480\" \/>\n\t<meta property=\"og:image:height\" content=\"480\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Adriana Dr\u0103gu\u0219in\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Adriana Dr\u0103gu\u0219in\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"9 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.imobiliare.ro\\\/imoexpert\\\/ultima-strigare-pentru-prima-casa-ce-trebuie-sa-stii-pentru-a-obtine-un-credit-garantat-de-catre-stat_db\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.imobiliare.ro\\\/imoexpert\\\/ultima-strigare-pentru-prima-casa-ce-trebuie-sa-stii-pentru-a-obtine-un-credit-garantat-de-catre-stat_db\\\/\"},\"author\":{\"name\":\"Adriana Dr\u0103gu\u0219in\",\"@id\":\"https:\\\/\\\/www.imobiliare.ro\\\/imoexpert\\\/#\\\/schema\\\/person\\\/8c13b0297075010b896471fabf0d7790\"},\"headline\":\"Ultima strigare pentru Prima Cas\u0103! Ce trebuie s\u0103 \u015ftii pentru a ob\u0163ine un credit garantat de c\u0103tre stat\",\"datePublished\":\"2011-02-22T11:42:12+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.imobiliare.ro\\\/imoexpert\\\/ultima-strigare-pentru-prima-casa-ce-trebuie-sa-stii-pentru-a-obtine-un-credit-garantat-de-catre-stat_db\\\/\"},\"wordCount\":1910,\"publisher\":{\"@id\":\"https:\\\/\\\/www.imobiliare.ro\\\/imoexpert\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.imobiliare.ro\\\/imoexpert\\\/ultima-strigare-pentru-prima-casa-ce-trebuie-sa-stii-pentru-a-obtine-un-credit-garantat-de-catre-stat_db\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.imobiliare.ro\\\/imoexpert\\\/wp-content\\\/uploads\\\/2011\\\/02\\\/primacasa2.jpg\",\"articleSection\":[\"Credite\"],\"inLanguage\":\"en\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/www.imobiliare.ro\\\/imoexpert\\\/ultima-strigare-pentru-prima-casa-ce-trebuie-sa-stii-pentru-a-obtine-un-credit-garantat-de-catre-stat_db\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.imobiliare.ro\\\/imoexpert\\\/ultima-strigare-pentru-prima-casa-ce-trebuie-sa-stii-pentru-a-obtine-un-credit-garantat-de-catre-stat_db\\\/\",\"url\":\"https:\\\/\\\/www.imobiliare.ro\\\/imoexpert\\\/ultima-strigare-pentru-prima-casa-ce-trebuie-sa-stii-pentru-a-obtine-un-credit-garantat-de-catre-stat_db\\\/\",\"name\":\"Ultima strigare pentru Prima Cas\u0103! Ce trebuie s\u0103 \u015ftii pentru a ob\u0163ine un credit garantat de c\u0103tre stat - Credite - ImoExpert\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.imobiliare.ro\\\/imoexpert\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.imobiliare.ro\\\/imoexpert\\\/ultima-strigare-pentru-prima-casa-ce-trebuie-sa-stii-pentru-a-obtine-un-credit-garantat-de-catre-stat_db\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.imobiliare.ro\\\/imoexpert\\\/ultima-strigare-pentru-prima-casa-ce-trebuie-sa-stii-pentru-a-obtine-un-credit-garantat-de-catre-stat_db\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.imobiliare.ro\\\/imoexpert\\\/wp-content\\\/uploads\\\/2011\\\/02\\\/primacasa2.jpg\",\"datePublished\":\"2011-02-22T11:42:12+00:00\",\"description\":\"Potrivit estim\u0103rilor autorit\u0103\u0163ilor, fondurile alocate pentru programul guvernamental \u00een acest an se pot termina p\u00e2n\u0103 la sf\u00e2r\u015fitul lunii martie. \u00cen\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.imobiliare.ro\\\/imoexpert\\\/ultima-strigare-pentru-prima-casa-ce-trebuie-sa-stii-pentru-a-obtine-un-credit-garantat-de-catre-stat_db\\\/#breadcrumb\"},\"inLanguage\":\"en\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.imobiliare.ro\\\/imoexpert\\\/ultima-strigare-pentru-prima-casa-ce-trebuie-sa-stii-pentru-a-obtine-un-credit-garantat-de-catre-stat_db\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en\",\"@id\":\"https:\\\/\\\/www.imobiliare.ro\\\/imoexpert\\\/ultima-strigare-pentru-prima-casa-ce-trebuie-sa-stii-pentru-a-obtine-un-credit-garantat-de-catre-stat_db\\\/#primaryimage\",\"url\":\"https:\\\/\\\/www.imobiliare.ro\\\/imoexpert\\\/wp-content\\\/uploads\\\/2011\\\/02\\\/primacasa2.jpg\",\"contentUrl\":\"https:\\\/\\\/www.imobiliare.ro\\\/imoexpert\\\/wp-content\\\/uploads\\\/2011\\\/02\\\/primacasa2.jpg\",\"width\":480,\"height\":480},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.imobiliare.ro\\\/imoexpert\\\/ultima-strigare-pentru-prima-casa-ce-trebuie-sa-stii-pentru-a-obtine-un-credit-garantat-de-catre-stat_db\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Imoradar24\",\"item\":\"https:\\\/\\\/www.imoradar24.ro\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"ImoExpert\",\"item\":\"https:\\\/\\\/www.imobiliare.ro\\\/imoexpert\\\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Sfaturi\",\"item\":\"https:\\\/\\\/www.imobiliare.ro\\\/imoexpert\\\/ghid-imobiliar\\\/\"},{\"@type\":\"ListItem\",\"position\":4,\"name\":\"Credite\",\"item\":\"https:\\\/\\\/www.imobiliare.ro\\\/imoexpert\\\/ghid-imobiliar\\\/credite\\\/\"},{\"@type\":\"ListItem\",\"position\":5,\"name\":\"Ultima strigare pentru Prima Cas\u0103! Ce trebuie s\u0103 \u015ftii pentru a ob\u0163ine un credit garantat de c\u0103tre stat\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.imobiliare.ro\\\/imoexpert\\\/#website\",\"url\":\"https:\\\/\\\/www.imobiliare.ro\\\/imoexpert\\\/\",\"name\":\"ImoExpert\",\"description\":\"cele mai importante \u015ftiri din domeniul imobiliar\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.imobiliare.ro\\\/imoexpert\\\/#organization\"},\"inLanguage\":\"en\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.imobiliare.ro\\\/imoexpert\\\/#organization\",\"name\":\"Imobiliare.ro\",\"alternateName\":\"Realmedia Network SA\",\"url\":\"https:\\\/\\\/www.imobiliare.ro\\\/imoexpert\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en\",\"@id\":\"https:\\\/\\\/www.imobiliare.ro\\\/imoexpert\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/www.imobiliare.ro\\\/imoexpert\\\/wp-content\\\/uploads\\\/2025\\\/05\\\/imobiliare_logo.png\",\"contentUrl\":\"https:\\\/\\\/www.imobiliare.ro\\\/imoexpert\\\/wp-content\\\/uploads\\\/2025\\\/05\\\/imobiliare_logo.png\",\"width\":237,\"height\":29,\"caption\":\"Imobiliare.ro\"},\"image\":{\"@id\":\"https:\\\/\\\/www.imobiliare.ro\\\/imoexpert\\\/#\\\/schema\\\/logo\\\/image\\\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.imobiliare.ro\\\/imoexpert\\\/#\\\/schema\\\/person\\\/8c13b0297075010b896471fabf0d7790\",\"name\":\"Adriana Dr\u0103gu\u0219in\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/ba4762f7517e50e679ed7f11207102d1150120f2f5800c0da98f8a15305bf514?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/ba4762f7517e50e679ed7f11207102d1150120f2f5800c0da98f8a15305bf514?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/ba4762f7517e50e679ed7f11207102d1150120f2f5800c0da98f8a15305bf514?s=96&d=mm&r=g\",\"caption\":\"Adriana Dr\u0103gu\u0219in\"},\"description\":\"Adriana Dr\u0103gu\u0219in is an Editor at Imobiliare.ro\",\"jobTitle\":\"Editor\",\"url\":\"https:\\\/\\\/www.imobiliare.ro\\\/imoexpert\\\/author\\\/adriana-dragusin\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Ultima strigare pentru Prima Cas\u0103! Ce trebuie s\u0103 \u015ftii pentru a ob\u0163ine un credit garantat de c\u0103tre stat - Credite - ImoExpert","description":"Potrivit estim\u0103rilor autorit\u0103\u0163ilor, fondurile alocate pentru programul guvernamental \u00een acest an se pot termina p\u00e2n\u0103 la sf\u00e2r\u015fitul lunii martie. \u00cen","robots":{"index":"index","follow":"follow"},"canonical":"https:\/\/www.imobiliare.ro\/imoexpert\/ultima-strigare-pentru-prima-casa-ce-trebuie-sa-stii-pentru-a-obtine-un-credit-garantat-de-catre-stat_db\/","og_locale":"ro_RO","og_type":"article","og_title":"Ultima strigare pentru Prima Cas\u0103! Ce trebuie s\u0103 \u015ftii pentru a ob\u0163ine un credit garantat de c\u0103tre stat - Credite - ImoExpert","og_description":"Potrivit estim\u0103rilor autorit\u0103\u0163ilor, fondurile alocate pentru programul guvernamental \u00een acest an se pot termina p\u00e2n\u0103 la sf\u00e2r\u015fitul lunii martie. \u00cen","og_url":"https:\/\/www.imobiliare.ro\/imoexpert\/ultima-strigare-pentru-prima-casa-ce-trebuie-sa-stii-pentru-a-obtine-un-credit-garantat-de-catre-stat_db\/","og_site_name":"ImoExpert","article_published_time":"2011-02-22T11:42:12+00:00","og_image":[{"width":480,"height":480,"url":"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/og-cache\/primacasa2-94de6121-branded.jpg?v=9","type":"image\/jpeg"}],"author":"Adriana Dr\u0103gu\u0219in","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Adriana Dr\u0103gu\u0219in","Est. reading time":"9 minute"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.imobiliare.ro\/imoexpert\/ultima-strigare-pentru-prima-casa-ce-trebuie-sa-stii-pentru-a-obtine-un-credit-garantat-de-catre-stat_db\/#article","isPartOf":{"@id":"https:\/\/www.imobiliare.ro\/imoexpert\/ultima-strigare-pentru-prima-casa-ce-trebuie-sa-stii-pentru-a-obtine-un-credit-garantat-de-catre-stat_db\/"},"author":{"name":"Adriana Dr\u0103gu\u0219in","@id":"https:\/\/www.imobiliare.ro\/imoexpert\/#\/schema\/person\/8c13b0297075010b896471fabf0d7790"},"headline":"Ultima strigare pentru Prima Cas\u0103! Ce trebuie s\u0103 \u015ftii pentru a ob\u0163ine un credit garantat de c\u0103tre stat","datePublished":"2011-02-22T11:42:12+00:00","mainEntityOfPage":{"@id":"https:\/\/www.imobiliare.ro\/imoexpert\/ultima-strigare-pentru-prima-casa-ce-trebuie-sa-stii-pentru-a-obtine-un-credit-garantat-de-catre-stat_db\/"},"wordCount":1910,"publisher":{"@id":"https:\/\/www.imobiliare.ro\/imoexpert\/#organization"},"image":{"@id":"https:\/\/www.imobiliare.ro\/imoexpert\/ultima-strigare-pentru-prima-casa-ce-trebuie-sa-stii-pentru-a-obtine-un-credit-garantat-de-catre-stat_db\/#primaryimage"},"thumbnailUrl":"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2011\/02\/primacasa2.jpg","articleSection":["Credite"],"inLanguage":"en","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www.imobiliare.ro\/imoexpert\/ultima-strigare-pentru-prima-casa-ce-trebuie-sa-stii-pentru-a-obtine-un-credit-garantat-de-catre-stat_db\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/www.imobiliare.ro\/imoexpert\/ultima-strigare-pentru-prima-casa-ce-trebuie-sa-stii-pentru-a-obtine-un-credit-garantat-de-catre-stat_db\/","url":"https:\/\/www.imobiliare.ro\/imoexpert\/ultima-strigare-pentru-prima-casa-ce-trebuie-sa-stii-pentru-a-obtine-un-credit-garantat-de-catre-stat_db\/","name":"Ultima strigare pentru Prima Cas\u0103! Ce trebuie s\u0103 \u015ftii pentru a ob\u0163ine un credit garantat de c\u0103tre stat - Credite - ImoExpert","isPartOf":{"@id":"https:\/\/www.imobiliare.ro\/imoexpert\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.imobiliare.ro\/imoexpert\/ultima-strigare-pentru-prima-casa-ce-trebuie-sa-stii-pentru-a-obtine-un-credit-garantat-de-catre-stat_db\/#primaryimage"},"image":{"@id":"https:\/\/www.imobiliare.ro\/imoexpert\/ultima-strigare-pentru-prima-casa-ce-trebuie-sa-stii-pentru-a-obtine-un-credit-garantat-de-catre-stat_db\/#primaryimage"},"thumbnailUrl":"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2011\/02\/primacasa2.jpg","datePublished":"2011-02-22T11:42:12+00:00","description":"Potrivit estim\u0103rilor autorit\u0103\u0163ilor, fondurile alocate pentru programul guvernamental \u00een acest an se pot termina p\u00e2n\u0103 la sf\u00e2r\u015fitul lunii martie. \u00cen","breadcrumb":{"@id":"https:\/\/www.imobiliare.ro\/imoexpert\/ultima-strigare-pentru-prima-casa-ce-trebuie-sa-stii-pentru-a-obtine-un-credit-garantat-de-catre-stat_db\/#breadcrumb"},"inLanguage":"en","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.imobiliare.ro\/imoexpert\/ultima-strigare-pentru-prima-casa-ce-trebuie-sa-stii-pentru-a-obtine-un-credit-garantat-de-catre-stat_db\/"]}]},{"@type":"ImageObject","inLanguage":"en","@id":"https:\/\/www.imobiliare.ro\/imoexpert\/ultima-strigare-pentru-prima-casa-ce-trebuie-sa-stii-pentru-a-obtine-un-credit-garantat-de-catre-stat_db\/#primaryimage","url":"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2011\/02\/primacasa2.jpg","contentUrl":"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2011\/02\/primacasa2.jpg","width":480,"height":480},{"@type":"BreadcrumbList","@id":"https:\/\/www.imobiliare.ro\/imoexpert\/ultima-strigare-pentru-prima-casa-ce-trebuie-sa-stii-pentru-a-obtine-un-credit-garantat-de-catre-stat_db\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Imoradar24","item":"https:\/\/www.imoradar24.ro"},{"@type":"ListItem","position":2,"name":"ImoExpert","item":"https:\/\/www.imobiliare.ro\/imoexpert\/"},{"@type":"ListItem","position":3,"name":"Sfaturi","item":"https:\/\/www.imobiliare.ro\/imoexpert\/ghid-imobiliar\/"},{"@type":"ListItem","position":4,"name":"Credite","item":"https:\/\/www.imobiliare.ro\/imoexpert\/ghid-imobiliar\/credite\/"},{"@type":"ListItem","position":5,"name":"Ultima strigare pentru Prima Cas\u0103! Ce trebuie s\u0103 \u015ftii pentru a ob\u0163ine un credit garantat de c\u0103tre stat"}]},{"@type":"WebSite","@id":"https:\/\/www.imobiliare.ro\/imoexpert\/#website","url":"https:\/\/www.imobiliare.ro\/imoexpert\/","name":"ImoExpert","description":"cele mai importante \u015ftiri din domeniul imobiliar","publisher":{"@id":"https:\/\/www.imobiliare.ro\/imoexpert\/#organization"},"inLanguage":"en"},{"@type":"Organization","@id":"https:\/\/www.imobiliare.ro\/imoexpert\/#organization","name":"Imobiliare.ro","alternateName":"Realmedia Network SA","url":"https:\/\/www.imobiliare.ro\/imoexpert\/","logo":{"@type":"ImageObject","inLanguage":"en","@id":"https:\/\/www.imobiliare.ro\/imoexpert\/#\/schema\/logo\/image\/","url":"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2025\/05\/imobiliare_logo.png","contentUrl":"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2025\/05\/imobiliare_logo.png","width":237,"height":29,"caption":"Imobiliare.ro"},"image":{"@id":"https:\/\/www.imobiliare.ro\/imoexpert\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/www.imobiliare.ro\/imoexpert\/#\/schema\/person\/8c13b0297075010b896471fabf0d7790","name":"Adriana Dr\u0103gu\u0219in","image":{"@type":"ImageObject","inLanguage":"en","@id":"https:\/\/secure.gravatar.com\/avatar\/ba4762f7517e50e679ed7f11207102d1150120f2f5800c0da98f8a15305bf514?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/ba4762f7517e50e679ed7f11207102d1150120f2f5800c0da98f8a15305bf514?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/ba4762f7517e50e679ed7f11207102d1150120f2f5800c0da98f8a15305bf514?s=96&d=mm&r=g","caption":"Adriana Dr\u0103gu\u0219in"},"description":"Adriana Dr\u0103gu\u0219in is an Editor at Imobiliare.ro","jobTitle":"Editor","url":"https:\/\/www.imobiliare.ro\/imoexpert\/author\/adriana-dragusin\/"}]}},"_links":{"self":[{"href":"https:\/\/www.imobiliare.ro\/imoexpert\/wp-json\/wp\/v2\/posts\/8923","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.imobiliare.ro\/imoexpert\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.imobiliare.ro\/imoexpert\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.imobiliare.ro\/imoexpert\/wp-json\/wp\/v2\/users\/829"}],"replies":[{"embeddable":true,"href":"https:\/\/www.imobiliare.ro\/imoexpert\/wp-json\/wp\/v2\/comments?post=8923"}],"version-history":[{"count":0,"href":"https:\/\/www.imobiliare.ro\/imoexpert\/wp-json\/wp\/v2\/posts\/8923\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.imobiliare.ro\/imoexpert\/wp-json\/wp\/v2\/media\/8925"}],"wp:attachment":[{"href":"https:\/\/www.imobiliare.ro\/imoexpert\/wp-json\/wp\/v2\/media?parent=8923"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.imobiliare.ro\/imoexpert\/wp-json\/wp\/v2\/categories?post=8923"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.imobiliare.ro\/imoexpert\/wp-json\/wp\/v2\/tags?post=8923"},{"taxonomy":"content_author","embeddable":true,"href":"https:\/\/www.imobiliare.ro\/imoexpert\/wp-json\/wp\/v2\/content_author?post=8923"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}