{"id":175416,"date":"2019-09-05T16:29:47","date_gmt":"2019-09-05T16:29:47","guid":{"rendered":"https:\/\/bm.dev.synology.me\/?p=175416"},"modified":"2019-09-05T16:29:47","modified_gmt":"2019-09-05T16:29:47","slug":"ce-credit-maxim-poate-obtine-o-familie-cu-un-venit-de-5-000-de-lei-pe-luna-care-vrea-sa-isi-cumpere-o-locuinta-si-cat-va-fi-rata-diferenta-semnificativa-fata-de-anul-trecut","status":"publish","type":"post","link":"https:\/\/bm.dev.synology.me\/?p=175416","title":{"rendered":"Ce credit maxim poate ob\u0163ine o familie cu un venit de 5.000 de lei pe lun\u0103 care vrea s\u0103 \u00ee\u015fi cumpere o locuin\u0163\u0103, \u015fi c\u00e2t va fi rata. Diferen\u0163a semnificativ\u0103 fa\u0163\u0103 de anul trecut"},"content":{"rendered":"

\nDe la 1 ianuarie 2019, prin regulamentul BNR s-a limitat gradul de \u00eendatorare la 40% sau 45% dac\u0103 se achizi\u0163ioneaz\u0103 primul imobil, \u00eens\u0103 nu se mai consider\u0103 cheltuieli de subzisten\u0163\u0103 pt calculul eligibilit\u0103\u0163ii \u015fi implicit sumei maxime pe care o poate ob\u0163ine o familie de la banc\u0103 pentru achizi\u0163ionarea unui imobil sau contractarea unui credit de nevoi personale, potrivit datelor de la Kiwi Finance.<\/p>\n

\nDac\u0103 ne uit\u0103m la ce credite pot ob\u0163ine rom\u00e2nii, sunt diferen\u0163e semnificative la sum\u0103 fa\u0163\u0103 de anul trecut. Spre exemplu, la un credit pe o durat\u0103 de 360 luni (30 ani), \u00een cazul unei familii cu doi copii care are un venit lunar cumulat de 5.000 lei:<\/p>\n

\n\u00cen august 2018 – creditul maxim ob\u0163inut era de 300.000 lei, cu o rat\u0103 lunar\u0103 de 1.836 de lei.<\/p>\n

\n\u00cen august 2019 – creditul care se poate ob\u0163ine este de 370.000 lei pentru primul imobil (cu un grad de \u00eendatorare maxim admis de 45%), respectiv o rat\u0103 lunar\u0103 de 2.208 lei, sau de 340.000 lei pentru al doilea imobil (cu grad de \u00eendatorare maxim admis de 40%), respectiv o rat\u0103 lunar\u0103 de 1.975 lei, potrivit unui calcul Kiwi Finance. <\/p>\n

\nCititi mai multe pe www.zf.ro<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

Rom\u00e2nia este pe primul loc \u00een UE c\u00e2nd vine vorba de num\u0103rul de proprietari de locuin\u0163e, peste 96% dintre rom\u00e2ni de\u0163in\u00e2nd imobilele \u00een care locuiesc potrivit.<\/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":[7736,4669,8686,18651,9980],"class_list":["post-175416","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-credit","tag-familie","tag-maxim","tag-obtinere","tag-rata"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/175416","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=175416"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/175416\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=175416"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=175416"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=175416"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}