{"id":195791,"date":"2021-07-19T14:52:00","date_gmt":"2021-07-19T14:52:00","guid":{"rendered":"https:\/\/bm.dev.synology.me\/?p=195791"},"modified":"2021-07-19T14:52:00","modified_gmt":"2021-07-19T14:52:00","slug":"care-sunt-primele-lucruri-la-care-trebuie-sa-fii-atent-cand-vrei-sa-iei-un-credit-pentru-locuinta-visata","status":"publish","type":"post","link":"https:\/\/bm.dev.synology.me\/?p=195791","title":{"rendered":"Care sunt primele lucruri la care trebuie s\u0103 fii atent c\u00e2nd vrei s\u0103 iei un credit pentru locuin\u0163a visat\u0103?"},"content":{"rendered":"<p>\n\u201eAlegi creditul \u00een func\u0163ie de veniturile disponibile ale familiei. C\u00e2nd ai un credit, trebuie s\u0103 fii sigur c\u0103 po\u0163i s\u0103 \u00eel \u015fi rambursezi f\u0103r\u0103 ca acest credit sau cump\u0103rarea casei respective s\u0103 se transforme dintr-un vis \u00een co\u015fmar\u201d, a punctat Anca Bidian, CEO al brokerului de credite KIWI Finance, \u00een deschiderea celui mai recent&nbsp;<strong>webinar Real Estate. Real Talk realizat de Storia.ro \u00een parteneriat cu Business MAGAZIN.&nbsp;<\/strong><\/p>\n<p>\nAcest aspect trebuie stabilit \u00eenc\u0103 de la \u00eenceput, \u00een func\u0163ie de condi\u0163iile la care clientul se \u00eencadreaz\u0103 \u2013 abia dup\u0103 stabilirea acestei sume se poate stabili ce imobil poate fi achizi\u0163ionat. Or, de cele mai multe ori, clien\u0163ii imobiliarelor rom\u00e2ne\u015fti procedeaz\u0103 exact invers.&nbsp;<\/p>\n<p>\n\u201eDe multe ori, chiar \u015fi \u00een astfel de perioade, \u00een care cererea solvabil\u0103 este mult mai mare dec\u00e2t oferta din pia\u0163\u0103, ordinea este inversat\u0103: foarte multe persoane \u00ee\u015fi caut\u0103 casa \u015fi apoi v\u0103d dac\u0103 pot s\u0103 o \u015fi cumpere. Principalul criteriu ar trebui s\u0103 fie confortul pe care \u00eel ai s\u0103 \u00ee\u0163i achi\u0163i dup\u0103 aceea ratele.\u201d&nbsp;<\/p>\n<p>\nAnca Bidian subliniaz\u0103 \u015fi c\u0103 trebuie s\u0103 \u0163inem cont de faptul c\u0103 un credit ipotecar se \u00eentinde pe o perioad\u0103 lung\u0103 de timp, 20-30 de ani: \u201eAtunci c\u00e2nd \u00eel ob\u0163ii, el nu se termin\u0103, ci abia \u00eencepe, trebuie ca aten\u0163ia la urm\u0103torii zeci de ani s\u0103 fie m\u0103rit\u0103\u201d. Clien\u0163ii trebuie s\u0103 fie aten\u0163i astfel la tipul de rambursare, la dob\u00e2nda care li se potrive\u015fte la acel moment (fix\u0103 sau variabil\u0103), precum \u015fi la num\u0103rul de participan\u0163i la credit fiindc\u0103 \u201eNu \u00eentotdeauna mai mul\u0163i \u00eenseamn\u0103 mai bine\u201d. De asemenea, dac\u0103 se calific\u0103 la o sum\u0103 mai mare, este recomandat ca ei s\u0103 se autopondereze. Este important \u015fi pachetul de asigur\u0103ri \u2013 dac\u0103 incomodeaz\u0103 sau nu, precum \u015fi c\u00e2t dureaz\u0103 p\u00e2n\u0103 s\u0103 po\u0163i s\u0103 semnezi contractul \u015fi s\u0103 achizi\u0163ionezi casa \u2013 iar aici se refer\u0103 \u00een special la cei care achit\u0103 precontracte \u015fi afl\u0103 abia apoi dac\u0103 sunt eligibili sau nu, situa\u0163ie \u00een care pot s\u0103 ri\u015fte pierderea avansului.&nbsp;<\/p>\n<p>\n\u00cen ceea ce prive\u015fte gradul de \u00eendatorare, BNR a impus o limitare de maximum 40% din veniturile disponibile, care se aplic\u0103 \u00een majoritatea situa\u0163iilor. \u00cen trecut, reglementarea permitea un grad de \u00eendatorare de 50-60% la unele dintre b\u0103nci, iar Anca Bidian observ\u0103 c\u0103 \u015fi portofoliile din perioada respectiv\u0103 sunt foarte bune. \u00cen prezent, gradul de \u00eendatorare mediu \u00een sistem este de 34%, iar faptul c\u0103 acesta este mai mic dec\u00e2t limita pie\u0163ei indic\u0103 un element de maturitate \u015fi stabilitate a credit\u0103rii.&nbsp;<\/p>\n<p>\n\u201eAcest grad de \u00eendatorare de 40 la sut\u0103 este aliniat cu cererea solvabil\u0103. Cererea solvabil\u0103 se refer\u0103 la persoanele care vor s\u0103 ia un credit pentru cas\u0103 \u015fi pot s\u0103 \u00eel \u015fi ia. Iar pre\u0163urile sunt aliniate cu puterea de cump\u0103rare, adic\u0103 aceea de calificare la un credit\u201d, observ\u0103 Anca Bidian.<\/p>\n<p>\nDe asemenea, ea observ\u0103 o cre\u015ftere a economiilor popula\u0163iei \u00een b\u0103nci, care ar putea alimenta cre\u015fterea cererii: \u201ePopoarele latine \u00een mod cultural nu au economisirea \u00eentip\u0103rit\u0103 \u00een gene, dar anul trecut am prins gustul acesteia. Pandemia, printre altele, a accelerat pu\u0163in \u015fi comportamentul nostru bun legat de gestionarea banilor dintr-o familie\u201d.&nbsp;<\/p>\n<p>\n<strong><em>Citi\u0163i mai multe despre pre\u0163urile locuin\u0163elor, dar \u015fi despre felul \u00een care va evolua pia\u0163a reziden\u0163ial\u0103 \u00een continuare \u00een urm\u0103toarele articole rezultate \u00een urma webinarului Real Estate. Real Talk by Storia.ro \u00een care Anca Bidian, CEO KIWI Finance, a r\u0103spuns celor mai multe dintre nedumeririle clien\u0163ilor \u00een materie de creditare.<\/em><\/strong><\/p>\n<p>\n\u00b7&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Anca Bidian e CEO KIWI Finance, parte a OLX Group. A fondat prima companie de intermediere credite din Rom\u00e2nia, \u00een 2003, atunci sub denumirea Gemini Consulting, ast\u0103zi KIWI Finance. De cur\u00e2nd a fost recunoscut\u0103 cu un Lifetime Achievement \u00een Finance Award la gala Business Arena unde s-au acordat premiile pentru cele mai admirate femei din business.<\/p>\n<p>\n\u00b7&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Storia.ro e platforma de&nbsp;<a href=\"https:\/\/www.storia.ro\/\">imobiliare<\/a>&nbsp;cu cele mai multe anun\u0163uri din pia\u0163\u0103 \u2013 peste 200.000. Lansat\u0103 de OLX, aceasta prime\u015fte peste 5 milioane de vizite lunar, put\u00e2nd fi accesat\u0103 at\u00e2t de pe desktop, c\u00e2t \u015fi prin aplica\u0163iile de&nbsp;<a href=\"https:\/\/apps.apple.com\/us\/app\/storia-anunturi-imobiliare\/id1121617948\">iOS<\/a>,&nbsp;<a href=\"https:\/\/play.google.com\/store\/apps\/details?id=ro.storia\">Android<\/a>&nbsp;\u015fi&nbsp;<a href=\"https:\/\/appgallery.huawei.com\/#\/app\/C102098515\">HUAWEI<\/a>. Prin ad\u0103ugarea KIWI Finance \u00een portofoliul OLX Group, utilizatorii Storia.ro pot beneficia gratuit de serviciile profesioni\u015ftilor pentru a identifica cea mai bun\u0103 solu\u0163ie de&nbsp;<a href=\"https:\/\/creditare.storia.ro\/\">creditare<\/a>. &nbsp;<\/p>\n<p>\n&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>De multe ori, clien\u0163ii g\u0103sesc locuin\u0163a visat\u0103 \u015fi apoi \u00eencearc\u0103 s\u0103 ob\u0163in\u0103 \u015fi finan\u0163area necesar\u0103 achizi\u0163ion\u0103rii acesteia. Totu\u015fi, lucrurile ar trebui s\u0103 stea exact invers atunci c\u00e2nd cump\u0103r\u0103m o cas\u0103: ar trebui s\u0103 g\u0103sim creditul potrivit, iar ulterior s\u0103 c\u0103ut\u0103m locuin\u0163a. Exist\u0103 o serie de criterii la care trebuie s\u0103 fim aten\u0163i chiar de la primii pa\u015fi f\u0103cu\u0163i \u00een direc\u0163ia achizi\u0163iei unui imobil \u2013 totul pentru ca visul locuin\u0163ei perfecte s\u0103 nu se transforme \u00een co\u015fmar. <\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[46693],"tags":[170,5453,4126,21985,7736,470,16742,9129,80],"class_list":["post-195791","post","type-post","status-publish","format-standard","hentry","category-real-estate-real-talk","tag-achizitie","tag-casa","tag-clienti","tag-cosmar","tag-credit","tag-cumparare","tag-imobil","tag-locuinta","tag-refuz"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/195791","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=195791"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/195791\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=195791"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=195791"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=195791"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}