{"id":1065010,"date":"2011-05-19T21:07:00","date_gmt":"2011-05-19T18:07:00","guid":{"rendered":"https:\/\/analyse.optim.biz\/?p=1065010"},"modified":"2011-05-19T21:07:00","modified_gmt":"2011-05-19T18:07:00","slug":"discutie-cu-un-camatar-la-ce-dobanda-putem-lua-un-imprumut-de-25-000-de-euro","status":"publish","type":"post","link":"https:\/\/analyse.optim.biz\/?p=1065010","title":{"rendered":"Discu\u0163ie cu un c\u0103m\u0103tar: la ce dob\u00e2nd\u0103 putem lua un \u00eemprumut de 25.000 de euro?"},"content":{"rendered":"<p><article id=\"articol_content\"><a href=\"https:\/\/caruniversaltm.ro\/credite\" target=\"_blank\" rel=\"external\"><img decoding=\"async\" src=\"https:\/\/analyse.optim.biz\/wp-content\/uploads\/2025\/12\/turnu-magurele-42.gif\" alt=\"Car Universal\" title=\"turnu-magurele-42\"><\/a><\/p>\n<div id=\"articol_imagine\"><a href=\"https:\/\/www.turnucustiri.ro\/images\/originals\/bani_camatari_12.jpg\" title=\"Bani de la camatari\" class=\"fancybox\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/analyse.optim.biz\/wp-content\/uploads\/2025\/12\/bani_camatari_12-1.jpg\" width=\"300\" height=\"200\" class=\"img_border\" alt=\"Bani de la camatari\" title=\"bani_camatari_12-1\"><\/a><\/div>\n<p>Am auzit, nu o dat\u0103, despre persoane care \u015fi-au pierdut locuin\u0163ele pentru c\u0103 au luat bani de la c\u0103m\u0103tari la dob\u00e2nzi exorbitante \u015fi cum \u00a0presa este plin\u0103 de anun\u0163uri prin care diver\u015fi indivizi se ofer\u0103 s\u0103 dea bani cu \u00eemprumut, l-am sunat de curiozitate pe unul dintre ace\u015ftia pentru a discuta condi\u0163iile unui posibil \u00eemprumut de 30.000 de euro. Discu\u0163ia mai jos, scrie Khris:\u00a0<\/p>\n<p>\u00a0<\/p>\n<p>\u00a0Eu: Bun\u0103 ziua. \u00cen leg\u0103tur\u0103 cu anun\u0163ul din ziarul X, da\u0163i bani cu \u00eemprumut?\u00a0<\/p>\n<p>\u00a0\u00a0El: Da, spuneti..\u00a0<\/p>\n<p>\u00a0\u00a0Eu: M-ar interesa s\u0103 iau 30.000 de euro, pe o perioad\u0103 de 12 luni, garantez cu un apartament cu dou\u0103 camere, care acum se vinde cu 47-48.000 de euro.\u00a0<\/p>\n<p>\u00a0\u00a0El: Garan\u0163ia este cam mic\u0103 pentru suma asta&#8230;\u00a0<\/p>\n<p>\u00a0\u00a0Eu: Nu am alt\u0103 garan\u0163ie, c\u00e2t \u00eemi pute\u0163i da?\u00a0<\/p>\n<p>\u00a0\u00a0El: Maxim 25.000, dob\u00e2nda este de 4% pe lun\u0103, discutabil, (asta \u00eenseamn\u0103, de fapt, minim 3.5%)\u00a0<\/p>\n<p>\u00a0\u00a0\u00a0Eu: Si cum calcul\u0103m dob\u00e2nda?\u00a0<\/p>\n<p>\u00a0\u00a0El: La sold, ca la banc\u0103.\u00a0<\/p>\n<p>Eu: Adic\u0103 \u00eemi da\u0163i 25.000 \u015fi dup\u0103 un an, eu va dau \u00eenapoi 37.000. Nu e cam mult? (mai t\u00e2rziu, am calculat c\u0103 dau \u00eenapoi 31.500 dac\u0103 returnez banii \u00een 12 rate lunare egale)\u00a0<\/p>\n<p>\u00a0\u00a0\u00a0El: A\u0163i mai luat bani cu \u00eemprumut?\u00a0<\/p>\n<p>\u00a0\u00a0Eu: Nu, este prima dat\u0103.\u00a0<\/p>\n<p>\u00a0\u00a0\u00a0El: Asta-i pia\u0163a, \u015fi al\u0163ii tot at\u00e2t cer. Putem s\u0103 mai discut\u0103m despre dob\u00e2nd\u0103, dar nu la telefon \u015fi trebuie s\u0103 v\u0103d apartamentul, s\u0103 \u015ftiu cu ce garanta\u0163i..\u00a0<\/p>\n<p>\u00a0\u00a0\u00a0Eu: Si cu actele cum facem?\u00a0<\/p>\n<p>\u00a0\u00a0El: Nu v\u0103 face\u0163i probleme, rezolv eu&#8230;\u00a0<\/p>\n<p>\u00a0\u00a0\u00a0Eu: Bine mul\u0163umesc, o s\u0103 revin cu un telefon \u00een zilele urm\u0103toare, dup\u0103 ce m\u0103 decid&#8230;\u00a0<\/p>\n<p>\u00a0\u00a0\u00a0Discutia a fost ceva mai lung\u0103: omul m-a \u00eentrebat despre loca\u0163ia exact\u0103 a apartamentului, pe numele cui sunt actele \u015fi c\u00e2nd le poate vedea, c\u00e2nd am cump\u0103rat apartamentul, m-a \u00eentrebat \u015fi dac\u0103 sunt sau nu c\u0103s\u0103torit, probabil pentru a-\u015fi da seama c\u00e2t valoreaz\u0103 &#8220;investitia\u201d \u015fi ce scandal va ie\u015fi c\u00e2nd va \u00eencerca s\u0103 \u00eemi ia locuin\u0163a, dac\u0103 nu pl\u0103tesc.\u00a0<\/p>\n<p>\u00a0\u00a0\u015ei pentru c\u0103 dob\u00e2nda mi s-a p\u0103rut mare, am mai sunat un nene c\u0103m\u0103tar, care pentru un \u00eemprumut de 25.000 de euro, mi-a cerut o dob\u00e2nd\u0103 lunar\u0103 de 4% &#8220;usor negociabila\u201d, adic\u0103 tot \u00een jurul a 3.5%.\u00a0<\/p>\n<p>\u00a0\u00a0\u00a0Concluzii:\u00a0<\/p>\n<p>\u00a0\u00a0\u00a01. Dac\u0103 discut\u0103m de sume mari (zeci de mii de euro), c\u0103m\u0103tarii cer o dob\u00e2nd\u0103 de 3.5%-4% pe lun\u0103, ceea ce \u00eenseamn\u0103 42-48% pe an (dob\u00e2nda poate fi ceva mai mic\u0103 dac\u0103 avem garan\u0163ii beton \u015fi ne pricepem s\u0103 negociem). La sume mai mici, de ordinul a mii de euro, dob\u00e2nda lunar\u0103 este de 4-5% pe luna.<\/p>\n<p>\u00a0\u00a0\u00a02. Av\u00e2nd \u00een vedere c\u0103 exist\u0103 destul de multe persoane care ofer\u0103 bani cu \u00eemprumut, m\u0103 g\u00e2ndesc c\u0103 exist\u0103 \u015fi cerere pentru astfel de \u00eemprumuturi, iar asta m\u0103 face s\u0103 m\u0103 \u00eentreb c\u00e2t de incon\u015ftient trebuie s\u0103 fii pentru a lua bani de la c\u0103m\u0103tari, la o dob\u00e2nd\u0103 de 40-50% pe an?\u00a0<\/p>\n<p>\u00a0<\/p>\n<\/article>\n<p> Source URL: https:\/\/www.turnucustiri.ro\/financiar\/3073-discutie-cu-un-camatar-la-ce-dobanda-putem-lua-un-imprumut-de-25-000-de-euro<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Am auzit, nu o dat\u0103, despre persoane care \u015fi-au pierdut locuin\u0163ele pentru c\u0103 au luat bani de la c\u0103m\u0103tari la dob\u00e2nzi exorbitante \u015fi cum \u00a0presa este plin\u0103 de anun\u0163uri prin care diver\u015fi indivizi se ofer\u0103 s\u0103 dea bani cu \u00eemprumut, l-am sunat de curiozitate pe unul dintre ace\u015ftia pentru a discuta condi\u0163iile unui posibil \u00eemprumut [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":1065011,"comment_status":"open","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[89],"tags":[177],"class_list":["post-1065010","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-romania","tag-turnucustiri-ro"],"_links":{"self":[{"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=\/wp\/v2\/posts\/1065010","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1065010"}],"version-history":[{"count":0,"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=\/wp\/v2\/posts\/1065010\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=\/wp\/v2\/media\/1065011"}],"wp:attachment":[{"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1065010"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1065010"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1065010"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}