{"id":9614,"date":"2011-04-05T14:23:23","date_gmt":"2011-04-05T11:23:23","guid":{"rendered":"https:\/\/www.imobiliare.ro\/?p=9614_db\/"},"modified":"2011-04-05T14:23:23","modified_gmt":"2011-04-05T11:23:23","slug":"dupa-paste-se-da-startul-la-prima-casa-4-ce-modificari-aduce-noul-program-si-cine-are-de-castigat-de-pe-urma-lui","status":"publish","type":"post","link":"https:\/\/www.imobiliare.ro\/imoexpert\/dupa-paste-se-da-startul-la-prima-casa-4-ce-modificari-aduce-noul-program-si-cine-are-de-castigat-de-pe-urma-lui_db\/","title":{"rendered":"Dup\u0103 Pa\u015fte se d\u0103 startul la Prima Cas\u0103 4. Ce modific\u0103ri aduce noul program \u015fi cine are de c\u00e2\u015ftigat de pe urma lui"},"content":{"rendered":"

Premierul Emil Boc sper\u0103 ca prin modific\u0103rile aduse programului guvernamental \u00eenc\u0103 40.000 de rom\u00e2ni s\u0103 aib\u0103 acces la credite garantate de c\u0103tre stat. <\/strong><\/p>\n

Ieri a fost publicat\u0103 \u00een Monitorul Oficial ordonan\u0163a de urgen\u0163\u0103 privind modificarea condi\u0163iilor pentru programul Prima Cas\u0103. Potrivit premierul Emil Boc, \u00een termen de 15 zile de la aceast\u0103 dat\u0103, vor fi aprobate \u015fi noile norme metodologice pentru implementarea celei de-a patra etape. \u201eCred c\u0103 dup\u0103 s\u0103rb\u0103torile de Pa\u015fte oamenii pot merge la b\u0103nci s\u0103 discute despre programul Prima Cas\u0103 \u00een forma modificat\u0103\u201d, a subliniat premierul. <\/p>\n

Ce se schimb\u0103 \u015fi ce nu<\/strong>
\nCea mai important\u0103 dintre modific\u0103rile implementate prin actul legislativ<\/a> const\u0103 \u00een \u00eemp\u0103r\u0163irea riscului de creditare \u00eentre stat \u015fi banc\u0103, \u00een propor\u0163ie de 50%-50%. Prin aceast\u0103 prevedere, \u015feful Executivului estimeaz\u0103 c\u0103 la programul guvernamental vor putea participa \u00eenc\u0103 circa 40.000 de beneficiari<\/a>. Cea de-a doua modificare adus\u0103 de ordonan\u0163a de urgen\u0163\u0103 d\u0103 posibilitatea \u015fi celor care de\u0163in o locuin\u0163\u0103 cu o suprafa\u0163\u0103 util\u0103 mai mic\u0103 de 50 de metri p\u0103tra\u0163i, achizi\u0163ionat\u0103 \u00een orice alt mod dec\u00e2t Prima Cas\u0103, s\u0103 beneficieze de credite garantate de c\u0103tre stat. <\/p>\n

\"\"<\/a>Potrivit declara\u0163iilor premierului, restul condi\u0163iilor de participare la programul Prima Cas\u0103 r\u0103m\u00e2n acelea\u015fi ca \u015fi p\u00e2n\u0103 acum. Astfel, avansul se va men\u0163ine la nivelul de 5%, iar plafoanele de garantare r\u0103m\u00e2n acelea\u015fi \u2013 60.000 de euro pentru o locuin\u0163\u0103 finalizat\u0103 sau a c\u0103rei construc\u0163ie a \u00eenceput deja, 70.000 de euro pentru un imobil ce urmeaz\u0103 a fi ridicat de la zero \u015fi 75.000 de euro pentru construc\u0163ia unor locuin\u0163e \u00een asocia\u0163ii de cel pu\u0163in doi proprietari. <\/p>\n

Cresc sau nu dob\u00e2nzile?<\/strong>
\nMajorarea dob\u00e2nzilor de c\u0103tre b\u0103nci reprezint\u0103 una dintre cele mai mari temeri ale celor interesa\u0163i de programul guvernamental. O team\u0103 justificat\u0103, \u0163in\u00e2nd cont de faptul c\u0103, \u00een condi\u0163iile unui risc crescut, b\u0103ncile s-ar putea sim\u0163i \u00eendrept\u0103\u0163ite s\u0103 aplice o asemenea m\u0103sur\u0103. \u201e\u00cen mod normal, ar trebui s\u0103 apar\u0103 u\u015foare cre\u015fteri ale dob\u00e2nzilor, \u00een contextul \u00een care garan\u0163iile nu mai sunt de aceea\u015fi calitate\u201d, este de p\u0103rere Radu Gra\u0163ian Ghe\u0163ea, pre\u015fedintele CEC Bank. Acesta precizeaz\u0103 \u00eens\u0103 c\u0103, \u00een condi\u0163iile unei pie\u0163e libere, institu\u0163iile de credit care vor practica dob\u00e2nzi prea mari vor ie\u015fi din competi\u0163ie. <\/p>\n

Chiar dac\u0103 b\u0103ncile vor lua decizia major\u0103rii marjelor, nu le vor putea cre\u015fte \u00eens\u0103 cu mult. Asta pentru c\u0103, potrivit declara\u0163iilor premierului, marjele maxime impuse prin lege institu\u0163iilor finan\u0163atoare se men\u0163in la acela\u015fi nivel \u2013 respectiv 4% (ce se adaug\u0103 la EURIBOR la trei luni), pentru creditele \u00een euro, \u015fi 2,5% (peste nivelul ROBOR), pentru \u00eemprumuturile \u00een lei. \u201eDac\u0103 b\u0103ncile vor dori s\u0103 r\u0103m\u00e2n\u0103 \u00een program, vor trebui s\u0103 r\u0103m\u00e2n\u0103 \u00een plafonul maximal al dob\u00e2nzii prev\u0103zut de actuala ordonan\u0163\u0103 de urgen\u0163\u0103\u201d, a accentuat Boc.<\/p>\n

Ce b\u0103nci au spus \u201eda\u201d la propunerea Guvernului <\/strong>
\nChiar \u015fi \u00een condi\u0163iile acestei limit\u0103ri, reprezentan\u0163ii Guvernului se men\u0163in optimi\u015fti cu privire la participarea b\u0103ncilor la noua variant\u0103 a programului. \u201eCert este c\u0103 avem b\u0103nci interesate s\u0103 continue programul Prima Cas\u0103 \u00een aceast\u0103 nou\u0103 form\u0103 de \u00eemp\u0103r\u0163ire a garan\u0163iei\u201d, a subliniat Boc. Potrivit acestuia, \u00een mod neoficial, p\u00e2n\u0103 \u00een momentul de fa\u0163\u0103 exist\u0103 cel pu\u0163in dou\u0103-trei b\u0103nci care \u015fi-au exprimat interesul \u00een acest sens. Potrivit lui Ghe\u0163ea, CEC Bank se va num\u0103ra printre institu\u0163iile care vor acorda credite \u00een cea de-a patra etap\u0103 a programului guvernamental. De asemenea, \u015fi oficialii Bancpost au luat p\u00e2n\u0103 la aceast\u0103 dat\u0103 decizia de a accepta propunerea Guvernului. O alt\u0103 banc\u0103 ce s-a ar\u0103tat deschis\u0103 \u00een acest sens este BCR. <\/p>\n

Avantaje \u015fi pentru clien\u0163i, \u015fi pentru b\u0103nci<\/strong>
\nCe efecte pe termen lung va avea continuarea programului Prima Cas\u0103 \u00een noua formul\u0103 r\u0103m\u00e2ne de v\u0103zut. Cert este c\u0103, pentru moment, solu\u0163ia g\u0103sit\u0103 de Guvern a \u00eendep\u0103rtat perspectiva unui nou blocaj al pie\u0163ei. \u201eNoua propunere a programului Prima Cas\u0103 este extrem de util\u0103 \u00een contextul economic actual\u201d, este de p\u0103rere George Georgakopoulos, director executiv senior \u00een cadrul Diviziei Creditare Persoane Fizice a Bancpost. Din perspectiva clien\u0163ilor, principalele avantaje ale acestui program constau \u00een avansul redus pentru achizi\u0163ia unei locuin\u0163e \u015fi \u00een costurile mici ata\u015fate creditului. Nu \u00een ultimul r\u00e2nd, faptul c\u0103 cei care de\u0163in o locuin\u0163\u0103 cu o suprafa\u0163\u0103 mai mic\u0103 de 50 de metri p\u0103tra\u0163i pot achizi\u0163iona una mai spa\u0163ioas\u0103 este un punct demn de luat \u00een seam\u0103. Acesta poate reprezenta un avantaj \u015fi din perspectiva b\u0103ncilor.\u201eAtractivitatea produsului Prima Cas\u0103 este sporit\u0103 acum de l\u0103rgirea listei de beneficiari poten\u0163iali, oferind astfel b\u0103ncilor posibilitatea de a-\u015fi creste v\u00e2nz\u0103rile pe segmentul de creditare, ceea ce reprezint\u0103 un avantaj \u00een actualul context economic\u201d, subliniaz\u0103 reprezentantul Bancpost. <\/p>\n

Pia\u0163a reziden\u0163ial\u0103 s-ar putea rea\u015feza anul acesta<\/strong>
\n\u015ei dezvoltatorii primesc cu bra\u0163ele deschise continuarea programului guvernamental. Ioan Sorin Ro\u015fu, directorul Apulum ’94, sper\u0103 ca aceast\u0103 m\u0103sur\u0103 s\u0103 fac\u0103 parte din scenariul optimist al rea\u015fez\u0103rii pie\u0163ei imobiliare \u00een anul 2011, urm\u00e2nd ca \u00een urm\u0103torii doi ani pia\u0163a s\u0103 ofere evolu\u0163ii pozitive mai clare \u00een acest sens. \u00cen opinia sa, cea de-a doua modificare adus\u0103 programului guvernamental ar putea contribui la accelerarea num\u0103rului de tranzac\u0163ii, prin majorarea num\u0103rului de poten\u0163iali cump\u0103r\u0103tori. \u201c\u015ei \u00een forma anterioar\u0103 programul ar fi avut suficien\u0163i adresan\u0163i, \u00eens\u0103 prin aceast\u0103 extindere, pentru prima dat\u0103 \u00een trei ani de zile de la lansarea programului se pune \u00een discu\u0163ie, \u00een afara componentei de strict\u0103 necesitate, \u015fi componenta reprezentat\u0103 de cre\u015fterea confortului\u201d, subliniaz\u0103 Ro\u015fu. Acesta precizeaz\u0103 c\u0103, \u00een momentul de fa\u0163\u0103, programul guvernamental reprezint\u0103 singura modalitate de rezolvare a unor nevoi locative <\/a>pentru majoritatea rom\u00e2nilor.<\/p>\n

Un sprijin pentru pia\u0163\u0103, dar nu o solu\u0163ie universal\u0103<\/strong>
\nO p\u0103rere mai rezervat\u0103 o are Iulian Niculae, directorul general al agen\u0163iei Victoria Consult, este de p\u0103rere c\u0103, p\u00e2n\u0103 \u00een momentul de fa\u0163\u0103, programul Prima Cas\u0103 a reprezentat un catalizator al unei pie\u0163ei amor\u0163ite de criz\u0103, f\u0103r\u0103 a se constitui \u00eens\u0103 \u00eentr-un panaceu al acesteia. El estimeaz\u0103 c\u0103, la fel ca p\u00e2n\u0103 acum, cea de-a patra variant\u0103 a programului va men\u0163ine \u00een alert\u0103 acei clien\u0163i care au ca scop achizi\u0163ia de apartamente de p\u00e2n\u0103 la 60.000 de euro<\/a>, efectele sale sc\u0103z\u00e2nd \u00eens\u0103 \u00een sfera locuin\u0163elor de peste 80.000 de euro.<\/p>\n

Pe de alt\u0103 parte, reprezentan\u0163ii portalului financiar Finzoom sunt de p\u0103rere c\u0103, cel mai probabil, principalul efect al programului Prima Cas\u0103 va fi \u015fi anul acesta unul psihologic, de \u00eencurajare a rom\u00e2nilor pentru a continua \u00eendatorarea. \u201cProgramul Prima Cas\u0103 niciodat\u0103 nu a putut \u015fi nu va putea s\u0103 creasc\u0103 puterea real\u0103 de cump\u0103rare a rom\u00e2nilor, s\u0103 le creasc\u0103 veniturile sau predictibilitatea acestora pe un termen de 6-12 luni, pentru a putea spune c\u0103 problemele principale implicate de achizi\u0163ia de imobile (cu sau f\u0103r\u0103 credite ipotecare) sunt rezolvate sau nu\u201d, subliniaz\u0103 Ruxandra Andrei, analist financiar \u00een cadrul Finzoom.ro. <\/p>\n

Opinia bloggerului:<\/strong>
\nP\u00e2n\u0103 \u00een prezent, programul Prima Cas\u0103 a generat aproximativ 35.000 de tranzac\u0163ii, \u00een timp ce trendul de sc\u0103dere a pre\u0163urilor a fost \u00een mod evident atenuat. Cum noua variant\u0103 va determina intrarea \u00een program a \u00eenc\u0103 35.000-40.000 de clien\u0163i, este de a\u015fteptat ca impactul asupra pie\u0163ei s\u0103 fie relativ similar.
\n\u00cen ultima perioad\u0103 s-a observat o relativ\u0103 sc\u0103dere a num\u0103rului persoanelor care apelau la acest program, iar prin m\u0103rirea ariei de adresabilitate, guvernul a dorit probabil s\u0103 dea un nou impuls cererii. Este greu de estimat c\u00e2\u0163i dintre cei care au deja o locuin\u0163\u0103 vor decide s\u0103 intre \u00een program, mai ales dac\u0103 \u0163inem cont de faptul c\u0103 plafonul a r\u0103mas la 60.000 de euro, iar \u00een marile ora\u015fe cu aceast\u0103 suma nu se poate cump\u0103ra mai mult de un apartament cu trei camere.
\nPentru consumatorul final, Prima Cas\u0103 4 nu va aduce prea multe schimbari – avansul r\u0103m\u00e2ne la 5%, plafonul r\u0103m\u00e2ne la 60.000 euro, iar dob\u00e2nzile vor cre\u015fte probabil cu un procent foarte mic. R\u0103m\u00e2ne de v\u0103zut c\u00e2\u0163i dintre cei care au deja o locuin\u0163\u0103 a c\u0103rei suprafa\u0163\u0103 nu dep\u0103\u015fe\u015fte 50 de metri p\u0103tra\u0163i vor fi tenta\u0163i s\u0103 intre \u00een program.\u00a0<\/div>\n

Cristian Orgona\u015f, blogger pe businessday.ro<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

Premierul Emil Boc sper\u0103 ca prin modific\u0103rile aduse programului guvernamental \u00eenc\u0103 40.000 de rom\u00e2ni s\u0103 aib\u0103 acces la credite garantate de c\u0103tre stat. Ieri a fost publicat\u0103 \u00een Monitorul Oficial ordonan\u0163a de urgen\u0163\u0103 privind modificarea condi\u0163iilor pentru programul Prima Cas\u0103. Potrivit premierul Emil Boc, \u00een termen de 15 zile de la aceast\u0103 dat\u0103, vor fi […]<\/p>\n","protected":false},"author":829,"featured_media":9617,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[],"tags":[306,802,803,804,316,476,1548,1360],"content_author":[],"class_list":["post-9614","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","tag-articole","tag-bancpost","tag-bcr","tag-cec-bank","tag-credite-3","tag-emil-boc","tag-prima-casa","tag-vanzare-apartamente"],"yoast_head":"\nDup\u0103 Pa\u015fte se d\u0103 startul la Prima Cas\u0103 4. 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