{"id":1951308,"date":"2026-05-23T14:55:24","date_gmt":"2026-05-23T11:55:24","guid":{"rendered":"https:\/\/analyse.optim.biz\/?p=1951308"},"modified":"2026-05-23T14:55:24","modified_gmt":"2026-05-23T11:55:24","slug":"ce-e-mai-avantajos-intre-un-credit-prima-casa-si-un-ipotecar-standard-diferenta-de-500-de-lei-in-fiecare-luna-si-peste-6-000-de-lei-anual","status":"publish","type":"post","link":"https:\/\/analyse.optim.biz\/?p=1951308","title":{"rendered":"Ce e mai avantajos \u00eentre un credit Prima Cas\u0103 \u0219i un ipotecar standard. \u201eDiferen\u021b\u0103 de 500 de lei \u00een fiecare lun\u0103 \u0219i peste 6.000 de lei anual\u201d"},"content":{"rendered":"

[analyse_image type=”featured” src=”https:\/\/s1.ziareromania.ro\/?mmid=b07bb56b11c30b7ff9″]<\/p>\n

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Ce e mai avantajos \u00eentre un credit Prima Cas\u0103 \u0219i un ipotecar standard. \u201eDiferen\u021b\u0103 de 500 de lei \u00een fiecare lun\u0103 \u0219i peste 6.000 de lei anual\u201d<\/h1>\n<\/div>\n
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Autor: Catalina Sirbu <\/a><\/span><\/div>\n
Sambata, 23 Mai 2026, ora 04:20<\/div>\n<\/div>\n
4130 citiri<\/div>\n<\/div>\n
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\"Ce<\/a><\/p>\n
Apartament FOTO Unsplash<\/div>\n<\/div>\n<\/div>\n
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Executivul a adoptat s\u0103pt\u0103m\u00e2na aceasta Hot\u0103r\u00e2rea de Guvern pentru continuarea programului \u201cNoua Cas\u0103\u201d, fostul \u201ePrima Cas\u0103\u201d \u0219i \u00een 2026.<\/p>\n

Decizia vine \u00eentr-un moment \u00een care accesul la locuin\u021be devine tot mai dificil pentru mul\u021bi rom\u00e2ni.<\/p>\n

\u201cPre\u021burile apartamentelor au crescut, dob\u00e2nzile r\u0103m\u00e2n ridicate, iar diferen\u021ba dintre un avans de 5% \u0219i unul de 15-20% poate decide dac\u0103 o persoan\u0103 \u00ee\u0219i cump\u0103r\u0103 locuin\u021ba acum sau peste c\u00e2\u021biva ani.<\/p>\n

Potrivit analizei realizate de o platform\u0103 bancar\u0103, principalul avantaj al programului r\u0103m\u00e2ne accesul mai u\u0219or la finan\u021bare, \u00eens\u0103 creditul ipotecar standard \u00eencepe s\u0103 recupereze teren prin flexibilitate \u0219i oferte tot mai competitive din partea b\u0103ncilor.<\/p>\n

\u201e\u00cen 2026, diferen\u021ba real\u0103 dintre Noua Cas\u0103 \u0219i un credit ipotecar standard nu mai este neap\u0103rat rata lunar\u0103, ci suma pe care clientul trebuie s\u0103 o aib\u0103 disponibil\u0103 la \u00eenceput. Pentru mul\u021bi rom\u00e2ni, avansul r\u0103m\u00e2ne principalul obstacol\u201d, a declarat pentru Ziare.com Claudiu Trandafir, economist \u0219i fondator platform\u0103 de oferte bancare.<\/p>\n<\/div>\n

Avans de 5%, 15% sau 25%<\/strong><\/p>\n

Programul \u201eNoua Cas\u0103\u201d p\u0103streaz\u0103 \u00een 2026 avansul minim de 5% pentru locuin\u021bele de p\u00e2n\u0103 la 70.000 de euro. Pentru locuin\u021bele \u00eentre 70.001 \u0219i 140.000 de euro, avansul urc\u0103 la 15%.<\/p>\n

\u201cConcret, la un apartament de 70.000 euro, cump\u0103r\u0103torul are nevoie de un avans de aproximativ 3.500 euro, iar pentru o locuin\u021b\u0103 de 140.000 euro, avansul poate dep\u0103\u0219i 21.000 euro.<\/p>\n

\u00cen cazul unui credit ipotecar standard, b\u0103ncile solicit\u0103, \u00een general, un avans de 15%. \u00cen anumite situa\u021bii, \u00eens\u0103, avansul poate ajunge chiar \u0219i la 25%, \u00een special pentru clien\u021bii care mai de\u021bin deja un alt imobil sau care nu se mai \u00eencadreaz\u0103 \u00een condi\u021biile standard ale programului.<\/p>\n

Pentru cineva aflat la prima achizi\u021bie, diferen\u021ba dintre un avans de 5% \u0219i unul de 20% poate \u00eensemna \u00eenc\u0103 4-5 ani de chirie \u0219i economii. De aceea, programul r\u0103m\u00e2ne relevant chiar \u0219i \u00eentr-o perioad\u0103 cu dob\u00e2nzi ridicate\u201d, este de p\u0103rere Claudiu Trandafir.<\/p>\n

Rata lunar\u0103- diferen\u021be majore \u00eentre dob\u00e2nzile fixe \u0219i cele prin \u201cNoua Cas\u0103\u201d<\/h2>\n","protected":false},"excerpt":{"rendered":"

[analyse_image type=”featured” src=”https:\/\/s1.ziareromania.ro\/?mmid=b07bb56b11c30b7ff9″] Ce e mai avantajos \u00eentre un credit Prima Cas\u0103 \u0219i un ipotecar standard. \u201eDiferen\u021b\u0103 de 500 de lei \u00een fiecare lun\u0103 \u0219i peste 6.000 de lei anual\u201d Autor: Catalina Sirbu Sambata, 23 Mai 2026, ora 04:20 4130 citiri Apartament FOTO Unsplash Executivul a adoptat s\u0103pt\u0103m\u00e2na aceasta Hot\u0103r\u00e2rea de Guvern pentru continuarea programului […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[89],"tags":[226,22],"class_list":["post-1951308","post","type-post","status-publish","format-standard","hentry","category-romania","tag-crawlmanager","tag-ziare-com"],"_links":{"self":[{"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=\/wp\/v2\/posts\/1951308","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=1951308"}],"version-history":[{"count":0,"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=\/wp\/v2\/posts\/1951308\/revisions"}],"wp:attachment":[{"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1951308"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1951308"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1951308"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}