{"id":12204,"date":"2016-08-30T15:45:44","date_gmt":"2016-08-30T12:45:44","guid":{"rendered":"http:\/\/realitatearutiera.ro\/?p=12204"},"modified":"2016-08-30T15:45:44","modified_gmt":"2016-08-30T12:45:44","slug":"vesti-bune-de-la-bcr-momentul-ideal-pentru-achizitionarea-unei-locuinte","status":"publish","type":"post","link":"https:\/\/realitatearutiera.ro\/?p=12204","title":{"rendered":"Ve\u0219ti bune de la BCR. Momentul ideal pentru achizi\u021bionarea unei locuin\u021be"},"content":{"rendered":"<p>BCR, cel mai mare juc\u0103tor din Rom\u00e2nia, reduce avansul pentru creditele ipotecare de la 35% la 25% pentru 42 de localit\u0103\u0163i, potrivit comunicatului transmis de c\u0103tre banc\u0103.<\/p>\n<p>\u00cen plus, pentru cei care contracteaz\u0103 un astfel de credit pe perioade de cel mult 20 de ani, pentru locuin\u0163e din acelea\u015fi localit\u0103\u0163i, avansul poate s\u0103 scad\u0103 15% din valoarea casei.<\/p>\n<p><strong>BCR reitereaza estimarile conform carora legea Darea in Plata creeaza premise negative, care vor genera inegalitati sociale.<\/strong><\/p>\n<p>In conditiile de risc de creditare create de legea Darea in Plata, BCR a identificat solutii de scadere a avansurilor pentru creditele ipotecare, printr-o abordare prudentiala si calibrarea riscului de creditare, in functie de evolutiile regionale. Ca urmare, <strong>BCR a extins la 42 de localitati lista oraselor unde poate oferi credite ipotecare standard cu avansul de 25%, <\/strong>in baza urmatoarelor argumente:<\/p>\n<p>1.\u00a0\u00a0\u00a0 piata imobiliara din orasele medii si mari cunoaste o dinamica accelerata, dar si un grad de lichiditate crescut<img loading=\"lazy\" decoding=\"async\" src=\"http:\/\/green.erne.co\/admeta\/cm?bidderid=8Ov%2f%2f0DL6CEJ%2f55%2bApY8ukMfTXsXTLrE2Z7bvas0NHOjTxzrDAhjdajYMWNiB167&amp;uid=3DE7F7AAC8154BE2&amp;rtype=redirect&amp;curl=http:\/\/p378.atemda.com\/UserMatch.ashx\" width=\"0\" height=\"0\" \/><\/p>\n<p>2. \u00a0 solutia vine in sprijinul clientilor care sunt obligati sa detina un avans considerabil avand in vedere nivelul de pret mai ridicat al locuintelor din orasele medii si mari.<\/p>\n<p>3.\u00a0\u00a0\u00a0 marea majoritate a solicitarilor de credit ipotecar se concentreaza in centrele urbane de marime mijlocie si mare.<\/p>\n<p>In acelasi timp, banca a luat decizia ca <strong>avansul pentru acordarea unui credit de investitii imobiliare sa scada la 15% pentru creditele imobiliare acordate in oricare dintre cele 42 de localitati, daca perioada de acordare a creditului este de maxim 20 de ani.<\/strong><\/p>\n<p>Lista BCR \u00een care se acord\u0103\u00a0credite imobiliare cu avans de 25%: Cluj-Napoca, Timi\u015foara, Ia\u015fi, Constan\u0163a, Craiova, Bra\u015fov, Gala\u0163i, Ploie\u015fti, Oradea, Br\u0103ila, Arad, Pite\u015fti, Sibiu, Bac\u0103u, T\u00e2rgu Mure\u015f, Baia Mare, Buz\u0103u, Boto\u015fani, Satu Mare, Bucure\u015fti, Mioveni (jud. Arge\u015f), S\u0103cele\u00a0\u015fi S\u00e2npetru (jud. Bra\u015fov), Flore\u015fti (jud. Cluj), Mangalia\u00a0\u015fi N\u0103vodari (jud. Constan\u0163a), Bragadiru, Chiajna, Chitila, M\u0103gurele, Otopeni, Pope\u015fti Leordeni, Stefanestii de Jos\u00a0\u015fi Voluntari (jud. Ilfov), Campina\u00a0\u015fi Sinaia (jud. Prahova), Cisn\u0103die\u00a0\u015fi Selimbar (jud. Sibiu), Dumbr\u0103vi\u0163a, Giroc\u00a0\u015fi Mosnita Nou\u0103\u00a0(jud. Timi\u015f).<\/p>\n<p>sursa: ziarulfinanciar.ro<\/p>\n","protected":false},"excerpt":{"rendered":"<p>BCR, cel mai mare juc\u0103tor din Rom\u00e2nia, reduce avansul pentru creditele ipotecare de la 35% la 25% pentru 42 de<\/p>\n","protected":false},"author":1,"featured_media":7976,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"spay_email":"","footnotes":"","jetpack_publicize_message":""},"categories":[1],"tags":[],"class_list":["post-12204","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"jetpack_featured_media_url":"https:\/\/i0.wp.com\/realitatearutiera.ro\/wp-content\/uploads\/2016\/03\/casa.jpg?fit=400%2C300&ssl=1","jetpack_publicize_connections":[],"jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p61naM-3aQ","jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/realitatearutiera.ro\/index.php?rest_route=\/wp\/v2\/posts\/12204","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/realitatearutiera.ro\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/realitatearutiera.ro\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/realitatearutiera.ro\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/realitatearutiera.ro\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=12204"}],"version-history":[{"count":1,"href":"https:\/\/realitatearutiera.ro\/index.php?rest_route=\/wp\/v2\/posts\/12204\/revisions"}],"predecessor-version":[{"id":12205,"href":"https:\/\/realitatearutiera.ro\/index.php?rest_route=\/wp\/v2\/posts\/12204\/revisions\/12205"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/realitatearutiera.ro\/index.php?rest_route=\/wp\/v2\/media\/7976"}],"wp:attachment":[{"href":"https:\/\/realitatearutiera.ro\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=12204"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/realitatearutiera.ro\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=12204"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/realitatearutiera.ro\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=12204"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}