\n\u00cen opinia sa, printre avantajele unui credit la Prima Cas\u0103 se num\u0103r\u0103 rata mai mic\u0103 \u00een compara\u0163ia cu chiria dintr-o zon\u0103 bun\u0103 a Bucure\u015ftiului, cu acces la metrou. De asemenea, el a observat c\u0103, pe termen mediu \u015fi lung, este mai avantajos s\u0103 cumperi acum, dac\u0103 dispui de un avans cuprins \u00eentre cinci \u015fi 25%. Pe de alt\u0103 parte, Petrescu a observat c\u0103 un credit atrage o grij\u0103 mai mare la venituri, o mobilitate sc\u0103zut\u0103 \u015fi presupune un grad mai mare de responsabilitate. Mentalitatea rom\u00e2neasc\u0103 are un rol important \u00een decizia de cump\u0103rare a unei locuin\u0163e, \u201epentru c\u0103 rom\u00e2nii cred c\u0103 proprietatea \u00eeti d\u0103 o anumit\u0103 stabilitate, c\u0103 \u201enu e\u015fti ca o frunz\u0103-n v\u00e2nt\u201d.<\/p>\n
\nTotu\u015fi, nu doar mentalitatea alimenteaz\u0103 dorin\u0163a de a fi proprietar, ci \u015fi faptul c\u0103 nu exist\u0103 un business bine pus la punct privind \u00eenchirierea de locuin\u0163e. \u201eLa noi, chiria\u015fii nu sunt at\u00e2t de bine proteja\u0163i de lege, contractele se \u00eencheie ad hoc sau pe termene foarte scurte, serviciile aferente \u00eenchirierii sunt pu\u0163ine \u015fi mai scumpe, apar prea multe surprize de ambele p\u0103r\u0163i\u201d, a observat Petrescu. Reprezentantul Esop a dat exemplul Germaniei unde exist\u0103 chiria\u015fi care stau \u00een acelea\u015fi apartamente timp de 20-30 ani \u015fi nu se g\u00e2ndesc s\u0103 se mute, datorit\u0103 faptului c\u0103 pl\u0103tesc aceea\u015fi chirie \u015fi au costuri la \u00eentre\u0163inere care variaz\u0103 foarte pu\u0163in \u015fi foarte rar.<\/p>\n
\nReferitor la costuri, Petrescu a observat c\u0103 un buget de 250-300 euro\/lun\u0103 este suficient pentru a locui \u00eentr-un apartament nou, de dimensiuni mai reduse \u00een centru (preferabil unuia vechi, \u00een aceea\u015fi zon\u0103, la acela\u015fi pre\u0163 \u015fi la acela\u015fi nivel al chiriei), un apartament nou mai mare la periferie sau un apartament vechi \u015fi mai mare, la periferie. Exist\u0103 solu\u0163ii \u015fi pentru cei cu buget mai mic: \u201efie cumperi o garsonier\u0103 nou\u0103 foarte mic\u0103 la periferie, uneori cu dificult\u0103\u0163i de acces, fie \u00eenchiriezi o garsonier\u0103 veche l\u00e2ng\u0103 metrou, cu acces mai bun, tot la periferie.<\/p>\n
\n <\/p>\n","protected":false},"excerpt":{"rendered":"
\u201ePrima Cas\u0103 a fost \u00eentotdeauna un program bun pentru tinerii care vor s\u0103-\u015fi cumpere o locuin\u0163\u0103, principalele avantaje fiind cel mai mic avans din pia\u0163\u0103 (de 5%) \u015fi dob\u00e2nzile avantajoase. Din p\u0103cate, \u00een acest moment se resimte o sc\u0103dere a ofertelor de Prima Cas\u0103, fiind din ce \u00een ce mai pu\u0163ine b\u0103nci care au plafoane pentru finan\u0163are, iar unele din cele care mai au plafon dar acord\u0103 credite exclusiv \u00een lei \u2013 BCR de exemplu (fa\u0163\u0103 de anii trecu\u0163i, c\u00e2nd finan\u0163au Prima Cas\u0103 \u015fi \u00een euro \u015fi \u00een lei)\u201d, a declarat pentru Business Magazin Alexandru Petrescu, managing partner la ESOP Consulting, companie specializat\u0103 \u00een pia\u0163a imobiliar\u0103. <\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[6462],"tags":[10320,8753,472,17482,12242],"class_list":["post-95857","post","type-post","status-publish","format-standard","hentry","category-imobiliare","tag-chirie","tag-credit-ipotecar","tag-finantare","tag-petrescu","tag-prima-casa"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/95857","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=95857"}],"version-history":[{"count":1,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/95857\/revisions"}],"predecessor-version":[{"id":95877,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/95857\/revisions\/95877"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=95857"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=95857"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=95857"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}