{"id":25097,"date":"2020-09-27T16:14:33","date_gmt":"2020-09-27T13:14:33","guid":{"rendered":"http:\/\/univers-imobil.md\/?p=25097"},"modified":"2020-09-27T16:14:33","modified_gmt":"2020-09-27T13:14:33","slug":"inca-doua-banci-au-redus-termenul-de-rambursare-al-creditului-in-cadrul-programului-prima-casa-de-la-25-la-7-ani","status":"publish","type":"post","link":"https:\/\/univers-imobil.md\/ro\/inca-doua-banci-au-redus-termenul-de-rambursare-al-creditului-in-cadrul-programului-prima-casa-de-la-25-la-7-ani\/","title":{"rendered":"\u00cenc\u0103 dou\u0103 b\u0103nci au redus termenul de rambursare al creditului \u00een cadrul programului \u201ePrima Cas\u0103\u201d de la 25 la 7 ani"},"content":{"rendered":"<p><span style=\"font-size: 12pt; font-family: arial, helvetica, sans-serif; color: #333333;\"><strong>Mobiasbanca &#8211; OTP Group \u0219i Eximbank au redus termenul de rambursare al creditului \u00een cadrul programului guvernamental \u201ePrima Cas\u0103\u201d de la 25 la 7 ani.<\/strong><\/span><\/p>\n<p><span style=\"font-size: 12pt; font-family: arial, helvetica, sans-serif; color: #333333;\">Potrivit agen\u021biei INFOTAG, \u00een total, la program particip\u0103 cinci b\u0103nci comerciale din R. Moldova. \u00cen prezent, doar Moldindconbank (MICB) \u0219i Victoriabank acord\u0103 \u00eemprumuturi pe un termen de 25 de ani pentru acest tip de finan\u021bare. Moldova Agroindbank (MAIB) \u00eenc\u0103 anul trecut a redus termenul maxim de rambursare a creditului \u201ePrima Cas\u0103\u201d p\u00e2n\u0103 la 7 ani.<\/span><\/p>\n<p><span style=\"font-size: 12pt; font-family: arial, helvetica, sans-serif; color: #333333;\">Potrivit unor informa\u021bii din cercurile bancare, mic\u0219orarea termenului este cauzat\u0103, \u00een primul r\u00e2nd, de faptul c\u0103 \u00eemprumuturile ipotecare ale b\u0103ncilor comerciale sunt mai scumpe \u0219i, prin urmare, institu\u021biilor financiare le este mai profitabil s\u0103 finan\u021beze produsele proprii.\u00a0<\/span><\/p>\n<p><span style=\"font-size: 12pt; font-family: arial, helvetica, sans-serif; color: #333333;\">Potrivit informa\u0163iilor publicate pe site-urile b\u0103ncilor participante, rata dob\u00e2nzii \u00een cadrul programului \u201ePrima Cas\u0103\u201d constituie \u00een medie pe sistemul bancar 6%, \u00een timp ce dob\u00e2nda anual\u0103 efectiv\u0103 (DAE) variaz\u0103 de la valoarea minim\u0103 de 6,43% la cea maxim\u0103 de 6,75%. La sf\u00e2r\u015fitul anului 2019, indicele mediu DAE a fost de 7,3%.<\/span><br \/>\n<span style=\"font-size: 12pt; font-family: arial, helvetica, sans-serif; color: #333333;\">\u00cen special, indicatorul DAE la Eximbank constiuie 6,43%. DAE la creditele acordate de Moldindconbank constituie 6,5%, iar de Victoriabank \u2013 6,54%. MAIB ofer\u0103 credite cu o dob\u00e2nd\u0103 anual\u0103 efectiv\u0103 de 6,55%. Indicatorul DAE la Mobiasbanca este de 6,75%.<\/span><\/p>\n<p><span style=\"font-size: 12pt; font-family: arial, helvetica, sans-serif; color: #333333;\">La sf\u00e2r\u015fitul anului 2019, b\u0103ncile comerciale au acordat credite \u00een cadrul programului guvernamental \u201ePrima Cas\u0103\u201d \u00een urm\u0103toarele condi\u0163ii: DAE la creditele acordate de MAIB \u015fi MICB a fost de 7,3%, la Victoriabank &#8211; 7,34%, la Mobiasbanca &#8211; 7,35% \u015fi la Eximbank &#8211; 7,37%.<\/span><\/p>\n<p><span style=\"font-size: 12pt; font-family: arial, helvetica, sans-serif; color: #333333;\">Potrivit datelor Ministerului Finan\u021belor la 21 septembrie, prin intermediul programului guvernamental \u201ePrima Cas\u0103\u201d au fost procurate p\u00e2n\u0103 \u00een prezent 4,9 mii locuin\u021be. Suma total\u0103 a creditelor acordate de c\u0103tre b\u0103nci este de 2,49 mlrd. lei, iar valoarea total\u0103 a garan\u021biilor active constituie 1,24 mlrd. lei.<\/span><\/p>\n<p><span style=\"font-size: 12pt; font-family: arial, helvetica, sans-serif; color: #333333;\">Suprafa\u021ba medie a locuin\u021belor procurate prin intermediul Programului este de 60,18 metri p\u0103tra\u021bi. Valoarea medie a locuin\u021belor procurate este de 598,46 mii lei. Din num\u0103rul total de locuin\u021be procurate, 4626 sunt amplasate \u00een zonele urbane, iar 316 &#8211; \u00een zonele rurale. 4539 locuin\u021be procurate sunt apartamente, iar 403 &#8211; case de locuit individuale.<\/span><\/p>\n<p><span style=\"font-size: 12pt; font-family: arial, helvetica, sans-serif; color: #333333;\">Suma compensa\u021biilor acordate din bugetul de stat pentru acoperirea par\u021bial\u0103 a cheltuielilor pe care le suport\u0103 beneficiarii pentru achitarea creditului ipotecar \u00een cadrul programului de stat \u201ePrima cas\u0103\u201d constituie 22,66 mil. lei.<\/span><\/p>\n<p>Sursa:<span style=\"color: #333399;\"> infotag.md<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Mobiasbanca &#8211; OTP Group \u0219i Eximbank au redus termenul de rambursare al creditului \u00een cadrul programului guvernamental \u201ePrima Cas\u0103\u201d de la 25 la 7 ani. Potrivit agen\u021biei INFOTAG, \u00een total, la program particip\u0103 cinci b\u0103nci comerciale din R. Moldova. \u00cen prezent, doar Moldindconbank (MICB) \u0219i Victoriabank acord\u0103 \u00eemprumuturi pe un termen de 25 de ani pentru acest tip de finan\u021bare. Moldova Agroindbank (MAIB) \u00eenc\u0103 &#8230;<\/p>\n","protected":false},"author":3,"featured_media":18265,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[120],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>\u00cenc\u0103 dou\u0103 b\u0103nci au redus termenul de rambursare al creditului \u00een cadrul programului \u201ePrima Cas\u0103\u201d de la 25 la 7 ani |<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/univers-imobil.md\/ro\/inca-doua-banci-au-redus-termenul-de-rambursare-al-creditului-in-cadrul-programului-prima-casa-de-la-25-la-7-ani\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u00cenc\u0103 dou\u0103 b\u0103nci au redus termenul de rambursare al creditului \u00een cadrul programului \u201ePrima Cas\u0103\u201d de la 25 la 7 ani |\" \/>\n<meta property=\"og:description\" content=\"Mobiasbanca &#8211; OTP Group \u0219i Eximbank au redus termenul de rambursare al creditului \u00een cadrul programului guvernamental \u201ePrima Cas\u0103\u201d de la 25 la 7 ani. 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