{"id":20384,"date":"2021-08-20T05:46:00","date_gmt":"2021-08-20T04:46:00","guid":{"rendered":"https:\/\/catalinx.ro\/wordpress\/?p=20384"},"modified":"2021-08-20T07:13:04","modified_gmt":"2021-08-20T06:13:04","slug":"un-alt-specialist-care-va-invata-cum-sa-fiti-prosti","status":"publish","type":"post","link":"https:\/\/catalinx.ro\/wordpress\/?p=20384","title":{"rendered":"Un alt specialist care v\u0103 \u00eenva\u021b\u0103 cum s\u0103 fi\u021bi pro\u0219ti"},"content":{"rendered":"
<\/div>\n\n

Articolul<\/a>.<\/p>\n\n\n\n

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Domnul Iancu Gura este “H\u00e2ncu” imobiliarelor. Prezice cutremure imobiliare din 2018.<\/p>\n\n\n\n

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Tot ii trage cu “sta\u021bi \u00een chirie” \u0219i acum are un alt articol in care \u00ee\u021bi explic\u0103 cum ie\u0219i mai bine construindu-\u021bi \u0219i locuind \u00eentr-o cas\u0103 ipotetic\u0103 din cifre \u0219i proiec\u021bii, nu \u00eentr-una de-adev\u0103ratelea. <\/p>\n\n\n\n

Am fost tentat s\u0103 cred c\u0103 poate e prost, dar nu \u0219tiu asta cu siguran\u021b\u0103, ar putea fi r\u0103u inten\u021bionat. <\/p>\n\n\n\n

Ipocrit \u0219tiu sigur c\u0103 este, pentru c\u0103 \u00een timp ce \u00ee\u0219i sf\u0103tuie\u0219te audien\u021ba c\u0103 un apartament nu merit\u0103 mai mult de 57,000 de euro , dac\u0103 nu po\u021bi lua pe el chirie mai mare de 400 de euro pe lun\u0103, observ c\u0103 dumnealui de\u021bine un apartament. Observa\u021bia e din declara\u021bia de avere a so\u021biei sale ( public\u0103), care e consilier la MCID . <\/p>\n\n\n\n

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Estimez c\u0103 undeva e o gre\u0219eal\u0103 \u00een declara\u021bie, c\u0103 c\u0103 scrie c\u0103 apartamentul e dob\u00e2ndit in 1991 , dar creditul ipotecar prima cas\u0103 e efectuat \u00een 2011. Presupun c\u0103 1991 e anul construc\u021biei, sau e o situa\u021bie mai complex\u0103. <\/p>\n\n\n\n

Pe ce se vede \u00eens\u0103, domul de\u021bine \u00eempreun\u0103 cu so\u021bia sa un apartament de 51mp ( estimez c\u0103 2-3 camere ) cump\u0103rat \u00een 2011 cu un credit de 98000 de euro, finalizabil in 2031. <\/p>\n\n\n\n

Acuma, eu nu \u0219tiu unde e imobilul \u0219i cu c\u00e2t se \u00eenchiriaz\u0103 dar la 51mp, poate s\u0103 fie \u0219i \u00een avia\u021biei \u0219i nu cred c\u0103 ia mai mult de 700 de euro pe lun\u0103 pe el, pe praful \u0103sta. <\/p>\n\n\n\n

Problemele de ipocrizie sunt dou\u0103. Una c\u0103 profetul nu pare c\u0103 \u00ee\u0219i urmeaz\u0103 re\u021beta.<\/p>\n\n\n\n

A doua c\u0103 e u\u0219or s\u0103 trimi\u021bi pe al\u021bii s\u0103 locuiasc\u0103 \u00een chirie \u0219i s\u0103 le ar\u0103\u021bi cifre \u0219i analize economice , \u00een timp ce tu e\u0219ti proprietar.<\/p>\n\n\n\n

Ar mai fi faptul c\u0103 mi se pare cam s\u0103rac ca s\u0103 ne fac\u0103 analize financiare \u0219i s\u0103 ne vorbeasc\u0103 despre bani, dar poate este doar discret \u0219i \u00ee\u0219i \u021bine valorile undeva unde nu transpar a\u0219a u\u0219or prin declara\u021bii de avere. <\/p>\n\n\n\n

Problema dumnealui de logic\u0103 incepe pe aici.<\/p>\n\n\n\n

Spre exemplu, dac\u0103 ai cump\u0103rat un apartament de 2 camere la un pre\u021b<\/strong> de 100.000 EUR, \u00een condi\u021biile \u00een care valoarea<\/strong> este de 60.000 EUR, tocmai ce ai pl\u0103tit 40.000 EUR pentru nimic<\/strong>, un pre\u021b supraevaluat. <\/p><\/blockquote>\n\n\n\n

Nimic<\/strong> este capitalul, sau assetul cu care r\u0103m\u00e2i la sf\u00e2r\u0219itul lunii, dup\u0103 ce ai platit chiria aia de 400 de euro, sau c\u00e2t o fi. Nici mai mult nici mai pu\u021bin. <\/p>\n\n\n\n

\u0218i conform matematicii simple, dac\u0103 aduni nimic cu nimic lunar pe o perioad\u0103 de 25 – 30 de ani, cam c\u00e2t dureaz\u0103 un credit, nu e surprinz\u0103tor presupun, s\u0103 observi c\u0103 ai r\u0103mas la sf\u00e2r\u0219itul perioadei aceleia tot cu nimic.<\/p>\n\n\n\n

\u0218i dup\u0103 perioada aia e posibil s\u0103 vin\u0103 o perioad\u0103 c\u00e2nd e mai greu cu munca \u0219i cu platit chiria, iar locul \u0103la in care po\u021bi locui este fie “nimic” , fie o cutie de carton pe strad\u0103. Adic\u0103 nimic.<\/p>\n\n\n\n

Nimic versus 60,000 de euro dac\u0103 calculele lui Guda ( c\u0103 e prea mult s\u0103 \u00eei spun domnul) sunt corecte, iese p\u0103gubos r\u0103u. <\/p>\n\n\n\n

Pierderea de 40,000 de euro la o valoare de 100,000 de euro ar putea <\/strong> fi corect\u0103 \u00eentr-un scenariu pesimist.<\/p>\n\n\n\n

Chiar \u0219i la dob\u00e2nzile din Rom\u00e2nia, dup\u0103 ce pl\u0103te\u0219ti chirie \/ rat\u0103 30 de ani ai op\u021biunea s\u0103 r\u0103m\u00e2i cu 60k sau cu nimic, iar acest analist te \u00eenva\u021b\u0103 c\u0103 nimic este mai bine, c\u0103 \u00eentre timpul \u0103sta tu vei locui in pizda m\u0103-tii, c\u0103 doar nu o s\u0103 \u00ee\u021bi dea el un apartament cu chirie 0. \u0218i \u0219i dup\u0103 aia tot acolo. <\/p>\n\n\n\n

Singura problem\u0103 real\u0103 c\u0103 nu prea mai ai ce sa cumperi cu 60,000 de euro, c\u0103 ieftinirile sunt doar \u00een capul lui. <\/p>\n\n\n\n

Deci dac\u0103 ai avansul necesar \u0219i veniturile s\u0103 po\u021bi lua creditul \u0103la \u00een siguran\u021b\u0103, at\u00e2ta c\u00e2t\u0103 po\u021bi avea \u00een Rom\u00e2nia, sari pe el \u0219i ia-l \u0219i nu mai plati chirie ca un prost. <\/strong><\/p>\n\n\n\n

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<\/p>\n","protected":false},"excerpt":{"rendered":"

Articolul. Domnul Iancu Gura este “H\u00e2ncu” imobiliarelor. Prezice cutremure imobiliare din 2018. Tot ii trage cu “sta\u021bi \u00een chirie” \u0219i acum are un alt articol…<\/p>\n","protected":false},"author":2,"featured_media":16188,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[3500,3499],"tags":[4558],"class_list":["post-20384","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-case","category-economie","tag-iancu-guda-apostolul-crizei-imobiliare"],"views":7699,"jetpack_publicize_connections":[],"jetpack_featured_media_url":"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2019\/10\/scara_imobiliara.jpg","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p4Eq23-5iM","jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/posts\/20384","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=20384"}],"version-history":[{"count":1,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/posts\/20384\/revisions"}],"predecessor-version":[{"id":20389,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/posts\/20384\/revisions\/20389"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/media\/16188"}],"wp:attachment":[{"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=20384"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=20384"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=20384"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}