\nNum\u0103rul clien\u0163ilor eligibili pentru un credit imobiliar se va reduce cu 60% \u00een urm\u0103torii cinci ani, av\u00e2nd \u00een vedere c\u0103 doar una din zece persoane poate dispune de un avans de 30%, la care s-ar ajunge dac\u0103 se adopt\u0103 legea d\u0103rii \u00een plat\u0103 \u00een forma actual\u0103, reies dintr-o analiz\u0103 a BCR, cel mai mare juc\u0103tor din sistem, scrie Ziarul Financiar.<\/p>\n
\nPia\u0163a de credite ipotecare \u015fi imobiliare se va contracta cu aproximativ 60%, adic\u0103 circa 160.000 de clien\u0163i care nu vor dispune de un avans suficient pentru contractarea unui credit, ca impact al unei cre\u015fteri medii a avansului la creditele ipotecare \u015fi imobiliare de la 15% \u00een prezent la o medie viitoare de 30%.<\/p>\n
\nAnali\u015ftii BCR estimeaz\u0103 ca Legea d\u0103rii \u00een plat\u0103, \u00een forma sa curent\u0103, va distorsiona semnificativ pia\u0163a imobiliar\u0103, permi\u0163\u00e2nd unui num\u0103r restr\u00e2ns de de\u0163in\u0103tori de lichidit\u0103\u0163i semnificative (numerar sau depozite) avantajul inechitabil de a profita de sc\u0103derea pre\u0163urilor imobiliare \u015fi a face investi\u0163ii speculative, cu risc 0, beneficiind de prevederile legii pentru a ceda, f\u0103r\u0103 restric\u0163ii, imobilele c\u0103tre b\u0103ncile creditoare, \u00een cazul \u00een care investi\u0163iile nu aduc randamentul scontat.<\/p>\n
\n\u201eProgramul Prima cas\u0103 va disp\u0103rea, consider\u00e2nd situa\u0163ia efectiv\u0103 \u00een care garan\u0163ia statului devine nul\u0103, conform prevederilor actuale ale Legii d\u0103rii \u00een plat\u0103, iar f\u0103r\u0103 garan\u0163ia statului, institu\u0163iile financiare bancare nu vor mai putea oferi facilit\u0103\u0163ile de avans sc\u0103zut \u015fi dob\u00e2nd\u0103 redus\u0103\u201d, consider\u0103 anali\u015ftii de la BCR. <\/p>\n","protected":false},"excerpt":{"rendered":"
Num\u0103rul clien\u0163ilor eligibili pentru un credit imobiliar se va reduce cu 60% \u00een urm\u0103torii cinci ani, av\u00e2nd \u00een vedere c\u0103 doar una din zece persoane poate dispune de un avans de 30%, la care s-ar ajunge dac\u0103 se adopt\u0103 legea d\u0103rii \u00een plat\u0103 \u00een forma actual\u0103, reies dintr-o analiz\u0103 a BCR, cel mai mare juc\u0103tor […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[510],"tags":[8444,236,5078,24812,485,246,13077,21062,30,8907,183,527,9129,12242,94,98],"class_list":["post-131115","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-avans","tag-banca","tag-bcr","tag-cauza","tag-credite","tag-crestere","tag-disparitie","tag-dublare","tag-imobiliare","tag-impact","tag-imprumut","tag-lege","tag-locuinta","tag-prima-casa","tag-program","tag-romania"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/131115","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=131115"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/131115\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=131115"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=131115"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=131115"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}