\nCre\u015fterea TVA de la 9% la 21% pentru locuin\u0163ele sub 120.000 de euro pune o presiune major\u0103 pe familiile tinere \u015fi pe segmentul middle market, risc\u00e2nd s\u0103 dezechilibreze o pia\u0163\u0103 imobiliar\u0103 deja fragil\u0103. Pentru ca impactul fiscal s\u0103 fie compensat integral, Dob\u00e2nda Anual\u0103 Efectiv\u0103 (DAE) ar trebui redus\u0103 cu un punct procentual \u2013 o ajustare dificil de realizat \u00een contextul \u00een care BNR men\u0163ine o politic\u0103 monetar\u0103 prudent\u0103, iar marile b\u0103nci nu anticipeaz\u0103 sc\u0103deri de dob\u00e2nd\u0103 mai devreme de 2026.<\/p>\n
\n\u201eAm pornit de la un credit ipotecar cu avans de 15% \u015fi dob\u00e2nd\u0103 fix\u0103 5,15% pe 3 ani, f\u0103r\u0103 comisioane semnificative. Pentru a p\u0103stra aceea\u015fi sum\u0103 total\u0103 de rambursat dup\u0103 cre\u015fterea TVA, ar trebui ajustat\u0103 dob\u00e2nda cu aproximativ un punct procentual mai jos, ceea ce este greu de imaginat c\u0103 se poate ob\u0163ine \u00een contextul actual, mai ales c\u0103 banca central\u0103 pare hot\u0103r\u00e2t\u0103 s\u0103 a\u015ftepte o perioad\u0103 p\u00e2n\u0103 s\u0103 mai reduc\u0103 dob\u00e2nzile \u2013 cel pu\u0163in p\u00e2n\u0103 \u00een prima parte a anului 2026, \u00eentr-un scenariu optimist. Oricum, este o diferen\u0163\u0103 greu de acoperit \u00een condi\u0163iile actuale de pia\u0163\u0103\u201d, explic\u0103 Silviu Pop, Silviu Pop, Director ECE & Romania Research \u00een cadrul Colliers.<\/p>\n
\nPeste 60% din tranzac\u0163iile reziden\u0163iale se bazeaz\u0103 \u00een prezent pe cota redus\u0103 de TVA, iar eliminarea acesteia risc\u0103 s\u0103 scad\u0103 v\u00e2nz\u0103rile cu p\u00e2n\u0103 la 50%, avertizeaz\u0103 asocia\u0163ia Urbanis. Pia\u0163a asist\u0103 deja la o accelerare a antecontractelor pentru a prinde cota de 9% \u00eenainte de 1 august 2025, dar acest boom temporar ar putea fi urmat de o perioad\u0103 de stagnare sau recul.<\/p>\n
\nPentru dezvoltatori, m\u0103sura aplicat\u0103 brusc afecteaz\u0103 planificarea, cash flow-ul \u015fi lansarea de proiecte noi. Ritmul construc\u0163iilor se va ajusta \u00een func\u0163ie de cererea diminuat\u0103. \u00cen absen\u0163a unei recalibr\u0103ri, \u00eentreaga pia\u0163\u0103 ar putea intra \u00eentr-un nou ciclu de corec\u0163ie.<\/p>\n
\n <\/p>\n","protected":false},"excerpt":{"rendered":"
Cre\u015fterea TVA de la 9% la 21% pentru locuin\u0163ele sub 120.000 de euro pune o presiune major\u0103 pe familiile tinere \u015fi pe segmentul middle market, risc\u00e2nd s\u0103 dezechilibreze o pia\u0163\u0103 imobiliar\u0103 deja fragil\u0103.<\/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":[187,11229,340,60873],"class_list":["post-238680","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-dobanzi","tag-piata-imobiliara","tag-preturi","tag-tva-ul"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/238680","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=238680"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/238680\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=238680"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=238680"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=238680"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}