{"id":25858,"date":"2023-10-02T01:10:00","date_gmt":"2023-10-02T00:10:00","guid":{"rendered":"https:\/\/catalinx.ro\/wordpress\/?p=25858"},"modified":"2023-09-26T22:27:40","modified_gmt":"2023-09-26T21:27:40","slug":"impozitul-mai-mare-pentru-banci-case-mai-ieftine-si-investitii-mai-scumpe","status":"publish","type":"post","link":"https:\/\/catalinx.ro\/wordpress\/?p=25858","title":{"rendered":"Impozitul mai mare pentru b\u0103nci => case mai ieftine \u0219i investi\u021bii mai scumpe"},"content":{"rendered":"
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\u00cen teorie<\/a>, sun\u0103 bine<\/a>, s\u0103 luam \u00eenapoi banii din b\u0103nci, c\u0103 \u0219i-a\u0219a fac profit \u0219i-l externalizeaz\u0103 – adic\u0103 car\u0103 bani din \u021bara asta, cum ar veni. <\/p>\n\n\n\n

\u00cen practic\u0103, \u00een momentul \u00een care statul pune taxe forfetare, b\u0103ncile cresc costurile la consumator, pentru a le acoperi ( comisioane, dobanzi) . Asta se traduce \u00een costuri mai mari la cel care folose\u0219te serviciile. <\/p>\n\n\n\n

Dob\u00e2nzile la credite sunt oricum ridicate \u00een Rom\u00e2nia – m\u0103 tot sun\u0103 cineva de la banc\u0103 s\u0103 m\u0103 \u00eentrebe dac\u0103 nu vreau o linie de credit pentru business . Dob\u00e2nd\u0103 10%. Mi-ar putea fi utile ni\u0219te fonduri \u0219i ceva investi\u021bii, dar nu, nu vreau, o s\u0103 le fac \u00eencet , din buzunar, la dob\u00e2nda asta. Nu zic c\u0103 e o decizie \u00een\u021beleapt\u0103 s\u0103 face\u021bi ca mine. Zic c\u0103 e un cost, iar unii dintre noi nu o s\u0103 ne asum\u0103m costul dob\u00e2nzii respective, al\u021bii nu pot \u0219i dac\u0103 ar vrea. <\/p>\n\n\n\n


La un moment dat , treaba asta se atinge de consumatorul care vrea o cas\u0103, unde, \u0219i acolo creditele sunt scumpe \u00een Rom\u00e2nia, de aia \u0219i pre\u021burile mai mici, nu v\u0103 min\u021bi\u021bi prostia c\u0103 da, dar \u00een vest casele sunt mai bune \u0219i condi\u021biile de via\u021b\u0103 sunt mai bune \u0219i de aia sunt casele mai scumpe. <\/p>\n\n\n\n

Nu, nu de aia – sigur, \u00een mod indirect poate s\u0103 conteze, dar e un mecanism mult mai scurt de la buzunar la notar, care implic\u0103 c\u00e2t \u00ee\u021bi permi\u021bi s\u0103 te \u00eemprumu\u021bi, lucru care \u021bine, da, \u0219i de c\u00e2t c\u00e2\u0219tigi, dar \u0219i de c\u00e2t cost\u0103 \u00eemprumutul \u0103la, aka dob\u00e2nda. C\u00e2nd dob\u00e2nda e slab semnificativ\u0103, suma pe care o po\u021bi \u00eemprumuta e mare, dac\u0103 nu ai alt mecanism de limitare\/ resort. <\/p>\n\n\n\n

BCR are acum DAE \u00eentre 8.33% \u0219i 9.09% l<\/a>a credite ipotecare \u00een lei, cu perioad\u0103 de dob\u00e2nd\u0103 fix\u0103 5 ani. <\/p>\n\n\n\n

Salariul mediu net \u00een Rom\u00e2nia este de 3970 lei acum, \u00een Rom\u00e2nia, iar rata maxim\u0103 de \u00eendatorare era parc\u0103 40%? Rezult\u0103 c\u0103 cuplul mediu se poate \u00eendatora cu o rat\u0103 de maxim 3177 lei \/ lun\u0103, adic\u0103 635 de euro. Durata medie pe care se contracteaz\u0103 creditele era de 300 de luni ( 25 de ani) , c\u00e2nd \u0219tiam eu, ca sentin\u021ba pe via\u021b\u0103. <\/p>\n\n\n\n

Linia ro\u0219ie ajunge \u00een jurul a sumei de 635 de euro la aproape 60k \u00eemprumuta\u021bi. <\/p>\n\n\n\n

Se vede treaba c\u0103 la dob\u00e2nda asta cuplul mediu \u00ee\u0219i permite s\u0103 returneze lunar sume \u00een jurul a 200 de euro pe lun\u0103 \u0219i cam acolo se poate pozi\u021biona \u00eemprumutrtul la o locuin\u021b\u0103 de cupluri, cu sau f\u0103r\u0103 copii. <\/p>\n\n\n\n

\"\"<\/figure>\n\n\n\n

Deci la un \u00eemprumut de 60k euro, te ui\u021bi la pre\u021bul locuin\u021bei undeva \u00eentre 70 \u0219i 80 k euro – deci cam acolo pot fi, s\u0103 zicem apartamentele de 2 – 3 camere, raportat la Rom\u00e2nia. Sigur c\u0103 \u00een Bucure\u0219ti, Cluj, pot fi mai scumpe. Nu trebuie s\u0103 m\u0103 crede\u021bi pe cuv\u00e2nd \u00een ra\u021bionamentul meu, verifica\u021bi cifrele curente<\/a>. Pretul mediu al locuin\u021bei era 75,000 \u00een 2021 , creditul mediu 61k EUR.<\/p>\n\n\n\n

Dac\u0103 dob\u00e2nda ar fi 5% cum era ( \u00een EUR , c\u00e2nd am \u00eemprumutat eu \u00een Rom\u00e2nia ) am vorbi de o sum\u0103 \u00eemprumutabil\u0103 de 85k EUR pentru cuplul mediu, deci locuin\u021be \u00een jurul a 100k EUR. C\u00e2nd am cump\u0103rat eu apartament \u00een Rom\u00e2nia, salariul mediu era mult mai mic. <\/p>\n\n\n\n

Dac\u0103 dob\u00e2nda ar fi de 1.5% cum a fost ( \u0219i \u00eenc\u0103 este pentru mine ) c\u00e2nd am \u00eemprumutat eu \u00een UK , am vorbi de 140k EUR imprumiutabili, casele \u00een jur de 160k EUR. <\/p>\n\n\n\n

Toate la acela\u0219i nivel de salarii. <\/p>\n\n\n\n

Desigur, ca dac\u0103 ar fi salarii mai bune , casele ar fi \u0219i mai scumpe, \u00een UK pre\u021bul mediu la o cas\u0103 e undeva pe la 280k lire.
Prin urmare, f\u0103r\u0103 s\u0103 pretind c\u0103 e bine sau r\u0103u, taxarea forfetar\u0103 a b\u00e2ncilor face ca accesul la bani pe pia\u021b\u0103 s\u0103 fie scump \u0219i restric\u021bionat. <\/strong><\/p>\n\n\n\n

Dac\u0103 e\u0219ti un privilegiat \u0219i nu ai nevoie , \u00ee\u021bi permi\u021bi cash – din punctul de vedere reziden\u021bial poate fi foarte bine. Dac\u0103 nu cumva stai s\u0103 vinzi. Las\u0103, nu mai sta. <\/p>\n\n\n\n

Pe partea economic\u0103, investi\u021biile deseori se fac cu credite. Dac\u0103-s mai scumpe, produsele vor fi mai scumpe, nu prea e alt\u0103 ie\u0219ire. <\/p>\n\n\n\n

Personal, prefer o societate \u00een care casele au pre\u021buri accesibile de c\u0103tre toat\u0103 lumea \u0219i dac\u0103 \u00ee\u021bi ia casa foc nu \u00eenseamn\u0103 faliment pentru 10 banci \u0219i dou\u0103 firme de asigur\u0103ri, dar nu \u0219tiu dac\u0103 e bine sau r\u0103u. <\/p>\n\n\n\n

Mereu e r\u0103u c\u00e2nd nu \u00ee\u021bi permi\u021bi \u0219i bine dup\u0103 ce ai cump\u0103rat. <\/p>\n","protected":false},"excerpt":{"rendered":"

\u00cen teorie, sun\u0103 bine, s\u0103 luam \u00eenapoi banii din b\u0103nci, c\u0103 \u0219i-a\u0219a fac profit \u0219i-l externalizeaz\u0103 – adic\u0103 car\u0103 bani din \u021bara asta, cum ar…<\/p>\n","protected":false},"author":2,"featured_media":14516,"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":[3499,2639],"tags":[],"class_list":["post-25858","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-economie","category-taxe"],"views":934,"jetpack_publicize_connections":[],"jetpack_featured_media_url":"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2019\/03\/Ohio-estate-Tax.jpeg","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p4Eq23-6J4","jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/posts\/25858","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=25858"}],"version-history":[{"count":1,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/posts\/25858\/revisions"}],"predecessor-version":[{"id":25860,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/posts\/25858\/revisions\/25860"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/media\/14516"}],"wp:attachment":[{"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=25858"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=25858"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=25858"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}