\nTinerii, odat\u0103 ce \u00eencep s\u0103 fie pe picioarele lor \u015fi s\u0103 se poat\u0103 sus\u0163ine din propriul salariu, ajung s\u0103 \u00ee\u015fi doreasc\u0103 diverse bunuri de care au nevoie, cum ar fi o ma\u015fin\u0103. \u015etim cu to\u0163ii c\u0103 ma\u015fina nu este o achizi\u0163ie ieftin\u0103, pe care s\u0103 o putem face \u00eentotdeauna cu banii jos, a\u015fa c\u0103 suntem nevoi\u0163i s\u0103 apel\u0103m la alte variante de finan\u0163are.<\/p>\n
\nDou\u0103 dintre cele mai comune \u015fi \u00eentre care penduleaz\u0103 decizia tinerilor sunt leasing vs. \u00eemprumut bancar \u2013 cum e mai ieftin, cum e mai avantajos \u015fi ce presupune o variant\u0103 vs. cealalt\u0103.<\/p>\n
\n\u201eLeasingul are avantajul c\u0103 se adapteaz\u0103 nevoilor tale, este ca o \u00eenchiriere \u015fi este \u015fi foarte modular. \u00cen plus, \u00ee\u0163i po\u0163i stabili inclusiv rate sezoniere, dar cea mai u\u015foar\u0103 form\u0103 de leasing este cea cu rate egale la un nivel la care \u0163i-l permi\u0163i. La leasing, exist\u0103 conceptul de valoare rezidual\u0103, o valoare pe care o pl\u0103te\u015fti doar dac\u0103 vrei s\u0103 achizi\u0163ionezi, la sf\u00e2r\u015fitul perioadei de leasing, ma\u015fina respectiv\u0103. Aceast\u0103 valoare se agreeaz\u0103 de comun acord la \u00eenceputul perioadei \u00eentre proprietarul bunului \u015fi utilizatorul acesteia. Dac\u0103 ai o valoare rezidual\u0103 mai mare la sf\u00e2r\u015fit, atunci \u015fi rata de leasing este ma mai mic\u0103\u201d, a explicat Ionu\u0163 Morar, director general BT Leasing, \u00een cel mai recent episod al emisiunii ZF Ce faci cu banii t\u0103i, sus\u0163inut\u0103 de Banca Transilvania \u015fi parte a proiectului FIT \u2013 Finan\u0163e pe \u00cen\u0163elesul Tuturor.<\/p>\n
\nLeasingul poate fi de dou\u0103 tipuri: financiar \u015fi opera\u0163ional. La finalul unui contract de leasing opera\u0163ional, nu po\u0163i achizi\u0163iona ma\u015fina. \u00cen schimb, atunci c\u00e2nd se termin\u0103 contractul de leasing financiar, dac\u0103 ai achitat valoarea rezidual\u0103, po\u0163i deveni proprietarul acelei ma\u015fini.<\/p>\n
\n\u201eLa leasingul financiar ai o anumit\u0103 protec\u0163ie la \u00eenceputul contractului, \u00een sensul \u00een care nu ai vrea s\u0103 pl\u0103te\u015fti cinci sau \u015fase ani de chirie \u015fi apoi, la sf\u00e2r\u015fit, s\u0103 nu \u0163i se recunoasc\u0103 nimic. \u00ce\u0163i setezi o valoare rezidual\u0103, de 30-40%, prin care practic \u0163i se recunoa\u015fte o anumit\u0103 parte din bani atunci c\u00e2nd cumperi ma\u015fina\u201d, a mai ad\u0103ugat el.<\/p>\n
\nRata la leasing \u0163i-o po\u0163i fixa modular dup\u0103 nevoile tale. Dac\u0103 ai nevoie de o rat\u0103 de 300 euro pe lun\u0103, cu avansul, valoarea rezidual\u0103 \u015fi perioada, \u00ee\u0163i po\u0163i crea o structur\u0103 de finan\u0163are modular\u0103 \u00een care s\u0103 \u00ee\u0163i atingi obiectivul acesta. Un \u00eemprumut bancar, \u00een schimb, presupune s\u0103 dai banii \u00eenapoi b\u0103ncii \u00een cinci ani \u015fi e ceva mai rigid dec\u00e2t un contract de leasing.<\/p>\n
\n\u00cen cel mai recent episod al emisiunii ZF Ce faci cu banii t\u0103i, sus\u0163inut\u0103 de Banca Transilvania \u015fi parte a proiectului FIT \u2013 Finan\u0163e pe \u00cen\u0163elesul Tuturor, Ionu\u0163 Morar, director general BT Leasing, a explicat pe \u00een\u0163elesul tuturor cum func\u0163ioneaz\u0103 leasingul, cui i se adreseaz\u0103 \u015fi la ce trebuie s\u0103 ne uit\u0103m atunci c\u00e2nd ne g\u00e2ndim s\u0103 ne lu\u0103m o ma\u015fin\u0103 \u00een leasing.<\/p>\n
\nCe faci cu banii t\u0103i? este o emisiune ZF sub umbrela FIT \u2013 Finan\u0163e pe \u00een\u0163elesul tuturor, programul de educa\u0163ie al B\u0103ncii Transilvania. BT a lansat anul trecut FIT – Finan\u0163e pe \u00cen\u0163elesul Tuturor, un program na\u0163ional de educa\u0163ie financiar\u0103 prin care \u00ee\u015fi propune s\u0103 construiasc\u0103 pentru genera\u0163iile Alpha, Z \u015fi Y o baz\u0103 solid\u0103 \u00een ceea ce prive\u015fte gestionarea banilor. Astfel, \u00een noul proiect video al Ziarului Financiar, sub umbrela FIT \u015fi sus\u0163inut de BT, \u00eentreb\u0103ri concrete \u015fi simple din sfera educa\u0163iei financiare vor deveni teme de discu\u0163ie care \u00eei vor ajuta pe tineri s\u0103 ia decizii financiare bine informate.<\/p>\n
\n <\/p>\n","protected":false},"excerpt":{"rendered":"
Tinerii, odat\u0103 ce \u00eencep s\u0103 fie pe picioarele lor \u015fi s\u0103 se poat\u0103 sus\u0163ine din propriul salariu, ajung s\u0103 \u00ee\u015fi doreasc\u0103 diverse bunuri de care au nevoie, cum ar fi o ma\u015fin\u0103. \u015etim cu to\u0163ii c\u0103 ma\u015fina nu este o achizi\u0163ie ieftin\u0103, pe care s\u0103 o putem face \u00eentotdeauna cu banii jos, a\u015fa c\u0103 suntem […]<\/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":[236,82,8219,7136,274,149,550,80],"class_list":["post-232114","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-banca","tag-bani","tag-educatie","tag-finante","tag-incepere","tag-investitii","tag-proces","tag-refuz"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/232114","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=232114"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/232114\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=232114"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=232114"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=232114"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}