{"id":34417,"date":"2026-01-19T02:22:00","date_gmt":"2026-01-19T02:22:00","guid":{"rendered":"https:\/\/catalinx.ro\/wordpress\/?p=34417"},"modified":"2026-01-19T07:11:52","modified_gmt":"2026-01-19T07:11:52","slug":"uk-real-estate-scene-din-lupta-bogatilor-cu-chiriasii-sau-presiunea-neo-liberala","status":"publish","type":"post","link":"https:\/\/catalinx.ro\/wordpress\/?p=34417","title":{"rendered":"UK real estate: Scene din  lupta boga\u021bilor cu chiria\u0219ii, sau  \u201dPresiunea neo-liberal\u0103\u201d"},"content":{"rendered":"<div id=\"fb-root\"><\/div>\n\n<p>\u0102\u0219tia din UK, labagi\u0219tii, <a href=\"https:\/\/england.shelter.org.uk\/housing_advice\/private_renting\/renters_rights_act_changes_for_private_renters\">au dat legea chiria\u0219ilor<\/a>, \u00een efect din mai 2026, screenshot mai jos, care eu, cu de la mine putere, care nu-s chiria\u0219, doamne ajut\u0103 s\u0103 nu mai ajung vreodat\u0103 \u00een via\u021ba asta, consider c\u0103 e man\u0103 cereasc\u0103, s\u0103rumana \u00een\u0103l\u021bimii sale Charles \u0219i lu nenea Starmer. B\u0103, chestii de bun sim\u021b &#8211; nu m\u0103re\u0219ti chiria cum te taie capul, nu mai dai afar\u0103 cu de-a pula chiria\u0219ii c\u0103 a\u0219a vrei tu, ai nevoie de motive <a href=\"https:\/\/www.your-move.co.uk\/renters-rights\/landlords-guide\/legal-reasons-to-end-a-tenancy#\">legale rezonabile<\/a> \u0219i, nu, nu le po\u021bi m\u0103ri chiria cu 32638721638721% ca s\u0103-i dai afar\u0103. Dac\u0103 cre\u0219terea nu se aliniaz\u0103 cu cre\u0219terea general\u0103 a pie\u021bei, chiria\u0219ii o pot contesta ( o pot contesta oricum) la un tribunal care se ocup\u0103 special de astea \u0219i \u021bi se poate refuza cre\u0219terea. B\u0103, jos p\u0103l\u0103ria! Desigur, la modelul \u0103stora de business din UK, asta va cre\u0219te chiriile &#8211; dar asta e, ce s\u0103 \u0219i faci. <br \/><\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"965\" height=\"822\" data-attachment-id=\"34420\" data-permalink=\"https:\/\/catalinx.ro\/wordpress\/?attachment_id=34420#main\" data-orig-file=\"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2025\/11\/image-87.png\" data-orig-size=\"965,822\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"image\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2025\/11\/image-87-480x409.png\" data-large-file=\"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2025\/11\/image-87.png\" src=\"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2025\/11\/image-87.png\" alt=\"\" class=\"wp-image-34420\" srcset=\"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2025\/11\/image-87.png 965w, https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2025\/11\/image-87-480x409.png 480w, https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2025\/11\/image-87-200x170.png 200w, https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2025\/11\/image-87-768x654.png 768w\" sizes=\"auto, (max-width: 965px) 100vw, 965px\" \/><\/figure>\n\n\n\n<p>Iar pulifrici ca \u0103sta din clip zic c\u0103 noo, domne, nu e bine, era mai bine s-o lase a\u0219a, \u0219i c\u0103 dac\u0103 n-o las\u0103, m\u0103car s\u0103 scoat\u0103 taxele de timbru. <br \/>\u201dLeave it alone\u201d e marota avoca\u021bilor deregul\u0103rii, apostolii capitalismului \u201dpia\u021ba regleaz\u0103 tot\u201d. <br \/>S\u0103 vedem ce zice, c\u0103, ca orice manipulator, pleac\u0103 de la o baz\u0103 corect\u0103.<\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<span class=\"embed-youtube\" style=\"text-align:center; display: block;\"><iframe loading=\"lazy\" class=\"youtube-player\" width=\"758\" height=\"427\" src=\"https:\/\/www.youtube.com\/embed\/nAO-2QzkSFM?version=3&#038;rel=1&#038;showsearch=0&#038;showinfo=1&#038;iv_load_policy=1&#038;fs=1&#038;hl=en-US&#038;autohide=2&#038;wmode=transparent\" allowfullscreen=\"true\" style=\"border:0;\" sandbox=\"allow-scripts allow-same-origin allow-popups allow-presentation allow-popups-to-escape-sandbox\"><\/iframe><\/span>\n<\/div><\/figure>\n\n\n\n<p>Charlie de-aici e un nene interesat &#8211; ei spun \u201dreal estate comentator\u201d. <br \/>Ei zic c\u0103 dezvoltatorii au combina\u021bii ( contracte)  cu  ofertan\u021bii de credite ipotecare. <br \/>\u0218i d\u0103 exemple  &#8211; unii de la Panorama ( panarame), care  nu-\u021bi ar\u0103tau casa p\u00e2n\u0103 nu  te angajai la o ipotec\u0103 cu partenerii lor, iar dac\u0103 erai cash buyer \u0219i puneai o ofert\u0103 pe o cas\u0103, presupun\u00e2nd c\u0103 ajungeai s-o vezi, n-o comunicau v\u00e2nz\u0103torului, pentru c\u0103 ce pula lor, aia. <\/p>\n\n\n\n<p>Iar nenea zice c\u0103 noo, nu e nevoie de legi care s\u0103 reguleze probleme de genul \u0103sta. <br \/>C\u0103 domne, problema e legat\u0103 de pia\u021b\u0103, pre\u021buri, volume de tranzac\u021bionare \u0219i lips\u0103 de construc\u021bii. <\/p>\n\n\n\n<p>\u0218i problema se pune c\u0103 cu o popula\u021bie \u00een cre\u0219tere \u00een UK ( imigran\u021bi, nu natalitate), nu ar trebui s\u0103 fie cerere \u00een cre\u0219tere? P\u0103i nu, c\u0103 nu e finan\u021bare pe pia\u021b\u0103, \u0219i popula\u021bia nu e \u201da\u0219a de afluent\u0103\u201d &#8211; adic\u0103 sunt s\u0103raci \u0219i nu suport\u0103 nivelul curent al pre\u021burilor.<\/p>\n\n\n\n<p>Cic\u0103 e deja un num\u0103r \u00een cre\u0219tere de oameni care au cump\u0103rat propriet\u0103\u021bi <strong>noi<\/strong> acum 5-10 \u0219i nu le pot vinde ( la pre\u021bul la care vor ei, for\u021ba\u021bi de ipoteci \u0219i propriile proiec\u021bii de cre\u0219tere).<\/p>\n\n\n\n<p>Anecdotic \u0219i eu cunosc oameni \u00een situa\u021bia asta, intra\u021bi pe 2-3 case, nu fac profit din chirii, pentru c\u0103 dob\u00e2nzi, poate c\u0103 o s\u0103 revin pe tem\u0103, au 25-30% equity \u00een casele \u0103lea, dar dob\u00e2nzile plus taxele pe venituri , c\u0103 pe PF sau corporate \u00eei las\u0103 oarecum \u00een pierdere. \u00cen sensul c\u0103 cu 25-30% equity,   taxele pe veniturile din chirii fac ca suma pe care o pl\u0103tesc ca dob\u00e2nd\u0103 la banc\u0103 s\u0103 fie foarte aproape ( \u00een cazul meu, \u00een alte cazuri sub) de profitul net r\u0103mas. ROI-ul e sub 1% pe equity-ul de\u021binut, dar \u00een destule cazuri e negativ, practic, \u00eei cost\u0103 ca s\u0103 men\u021bin\u0103 equity-ul, iar c\u00e2\u0219tig\u0103torii sunt b\u0103ncile \u0219i statul. <\/p>\n\n\n\n<p><\/p>\n\n\n\n<p>Spune nenea \u00een interviu: \u201dsuntem la finalul unei ere de decaden\u021b\u0103 a propriet\u0103\u021bilor\u201d &#8211; unde decaden\u021ba \u00eenseamn\u0103 c\u0103 *oricine \u00ee\u0219i poate cump\u0103ra o cas\u0103  \u0219i adaug\u0103 c\u0103 \u201d<strong><span style=\"text-decoration: underline;\">din p\u0103cate<\/span><\/strong>, este \u00eenr\u0103d\u0103cinat \u00een mintea oamenilor din \u021bara asta c\u0103 cel mai sigur lucru este s\u0103 cumperi o cas\u0103, c\u0103 pre\u021burile se vor dubla la fiecare zece ani c\u0103 \u00eenc\u0103 g\u0103se\u0219ti oameni care se sinucid financiar ( throwing themselves under the bus)  \u00eemprumut\u00e2ndu-se prea mult \u0219i \u00eempov\u0103r\u00e2ndu-se financiar. \u201d<br \/>Pe de o parte, la auzul acestei vorbe e momentul \u0103la c\u00e2nd  ap\u0103s butonul de S.O.S s\u0103 vin\u0103 Hans cu arunc\u0103torul de fl\u0103c\u0103ri \u0219i negre\u0219it te \u00eentrebi, b\u0103, ce s-a ales \u0219i de cel mai mare imperiu din lume&#8230;<\/p>\n\n\n\n<p>Dar dac\u0103-l ascul\u021bi ce vrea s\u0103 spun\u0103 are sens, \u0219i e vorba de diferen\u021ba dintre oamenii care <strong> \u00ee\u0219i permit (<\/strong>n.m costurile \u00eemprumutului<strong> ) <\/strong> \u0219i care cump\u0103r\u0103 o locuin\u021b\u0103 pentru toat\u0103 via\u021ba sau aproape pentru toat\u0103 via\u021ba, tot e cea mai bun\u0103 investi\u021bie, dar pentru cei care vor s\u0103 s\u0103 mute \u0219i care sunt \u201dhighly leveraged\u201d, adic\u0103 vrea s\u0103 spun\u0103 c\u0103 folosesc doar banii b\u0103ncii cu avans \/ equity foarte mic, e japc\u0103 &#8211; \u0219i sunt de acord cu perspectiva, pentru c\u0103 ai o dat\u0103 rata dob\u00e2nzii \u0219i ai apoi costurile de tax\u0103 de timbru, care au ni\u0219te scutiri de first time buyer, dar din momentul \u00een care te mu\u021bi nu mai e\u0219ti first time buyer \u0219i tot ai ceva regim preferen\u021bial de taxare, dac\u0103 ai doar o proprietate, dar ai nevoie de o perioad\u0103 de amortizare s\u0103 \u00eenghi\u021bi taxe de timbru de 5% sau ceva din valoarea unui imobil.  Sigur c\u0103 ai ROI de 5% <strong> anual la o proprietate, <\/strong> dar \u00een cazul \u0103sta nu, tu, nu? E vorba de banc\u0103 , care de\u021bine, de regul\u0103 80%+ din equity. Tu de\u021bii 20%, de unde 5% \u0103sta  se \u00eentinde \u00een cazul \u0103sta pe 5 ani amortizare, dar dac\u0103 e casa mai scump\u0103  de <a href=\"https:\/\/www.gov.uk\/stamp-duty-land-tax\/residential-property-rates\">675,000<\/a> , e dublu , iar peste 500,000 nu mai scutire de SDLT nici dac\u0103 e prima dat\u0103 c\u00e2nd cumperi.  Problema e c\u0103 au r\u0103mas pragurile mici, relativ la pre\u021bul caselor. <br \/>Este fix cum o s\u0103 se \u00eent\u00e2mple \u00een Rom\u00e2nia, nu acum, ave\u021bi r\u0103bdare 10 ani, cu taxa de \u201elux\u201d pe propriet\u0103\u021bile peste 500,000 de euro. O s\u0103 se transforme \u00eentr-o japc\u0103, ave\u021bi, numai, r\u0103bdare. <\/p>\n\n\n\n<p>Imagineaz\u0103-\u021bi c\u0103-\u021bi iei prima cas\u0103 de peste 500k lire \u00een ceva ora\u0219 care conteaz\u0103, c\u0103 sub 500k au r\u0103mas mai mult gunoaie sau zone na\u0219pa sau case care nu acomodeaz\u0103 bine o familie cu copii, oricum ( s\u0103 zicem 600k) \u0219i c\u0103 trebuie s\u0103 pl\u0103te\u0219ti 20k taxa la rege. \u0102ia 20k sunt sarcina ta, nu a b\u0103ncii care de\u021bine ipoteca pe 80% din sum\u0103 , gen 480k. \u0102ia trebuie s\u0103-i dai cash. Dac\u0103 e\u0219ti , cum zice nenea \u0103sta, pe high leverage, s\u0103 zicem cu 80%LTV, ca \u00een exemplu, mai dai 20,000 pe an la dob\u00e2nd\u0103. Ai 40,000 de dat \u00een primul an taxe &#8211; la banc\u0103 \u0219i la stat , pentru \u201dinvesti\u021bie\u201d. Lucru care e OK , dac\u0103 \u021bii casa o via\u021b\u0103, nu dac\u0103 vrei s\u0103 faci investi\u021bii \u00een equity \u0219i pl\u0103nuie\u0219ti s\u0103 te mu\u021bi f\u0103r\u0103 s\u0103 pl\u0103te\u0219ti \u00een full.<br \/><\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"856\" height=\"587\" data-attachment-id=\"34418\" data-permalink=\"https:\/\/catalinx.ro\/wordpress\/?attachment_id=34418#main\" data-orig-file=\"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2025\/11\/image-85.png\" data-orig-size=\"856,587\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"image\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2025\/11\/image-85-480x329.png\" data-large-file=\"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2025\/11\/image-85.png\" src=\"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2025\/11\/image-85.png\" alt=\"\" class=\"wp-image-34418\" srcset=\"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2025\/11\/image-85.png 856w, https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2025\/11\/image-85-480x329.png 480w, https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2025\/11\/image-85-200x137.png 200w, https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2025\/11\/image-85-768x527.png 768w\" sizes=\"auto, (max-width: 856px) 100vw, 856px\" \/><\/figure>\n\n\n\n<p> Asta e una. \u0218i are dreptate, c\u0103 \u00eentr-o pia\u021b\u0103 a muncii care cere mobilitate, adic\u0103 s\u0103 te mi\u0219ti de colo colo &#8211; la care eu sunt ignorant, dar mi se tot spune s\u0103 fiu sensibil c\u0103 nu toat\u0103 lumea lucreaz\u0103 de acas\u0103 ca mine, unii se mut\u0103 de 2-3 ori \u00een 5 ani \u0219i nu e c\u0103 sunt pro\u0219ti, c\u0103 e vina lor , c\u0103 ceva. Ar trebui s\u0103 fie, \u00een fapt perfect \u00een regul\u0103 s\u0103 te duci cu munca unde ai nevoie \u0219i ar trebui s\u0103 se \u00eent\u00e2mple m\u0103car unul din dou\u0103 lucruri: <\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Dac\u0103 chiriile sunt scumpe \u0219i vrei s\u0103 mergi pe equity-ul t\u0103u, ar trebui s\u0103 fie cu cost mic s\u0103 vinzi proprietatea \u0219i s\u0103 \u00ee\u021bi cumperi alta unde lucrezi. 5%, sau 10% NU e cost mic, nu!<\/li>\n\n\n\n<li>Dac\u0103 nu, propriet\u0103\u021bile ar trebui s\u0103 aib\u0103 pre\u021b rezonabil ca s\u0103 nu fii nevoit s\u0103-\u021bi vinzi casa cump\u0103rat\u0103 ca investi\u021bie c\u00e2nd meri tu la munc\u0103 \u00een alt\u0103 parte. Adic\u0103 s-o dai \u00een chirie, tu-\u021bi pl\u0103te\u0219ti chiria unde ai nevoie, cu diferen\u021bele inerente date de zon\u0103 \u0219i confort, dar nu s\u0103 pl\u0103te\u0219ti chirie, de regul\u0103 mai mare, unde ajungi s\u0103 munce\u0219ti, iar la banii \u00eencasa\u021bi pe chiria de la casa ta, pe care ai p\u0103r\u0103sit-o ca s\u0103 po\u021bi s\u0103 faci bani s-o pl\u0103te\u0219ti, lol, s\u0103 pl\u0103te\u0219ti impozit pe venit ca la nebuni. <br \/><strong>Dar nu se \u00eent\u00e2mpl\u0103 niciuna, te-ai mutat, e\u0219ti futut \u00een pizd\u0103, dac\u0103 nu cumva e\u0219ti s\u0103rac \u0219i operezi pe s\u0103r\u0103cie pe valori sub media pie\u021bei, iar ce nu se spune e ce reprezint\u0103 media, anume propriet\u0103\u021bi \u00een zone na\u0219pa \u0219i mai ales apartamente care nu sunt freehold\/ landlord, ci lease, pl\u0103te\u0219ti tax\u0103 pe teren \u0219i taxe de servicii &#8211; spoliere similar\u0103, doar cu adresant \u0219i model de business diferit. <\/strong><\/li>\n<\/ol>\n\n\n\n<p>A doua, ce zice nenea \u0103sta \u0219i unde zice c\u0103 \u00eei love\u0219te la temelie e pe baby boomerii care \u0219i-au luat case mari ( c\u00e2nd erau ieftine), care acuma au devenit scumpe \u0219i nu e vina lor \u0219i care la b\u0103tr\u00e2ne\u021be le-au r\u0103mas mari, c\u0103 au plecat copiii \u0219i pe care nu-\u0219i permit s\u0103 le \u00eenc\u0103lzeasc\u0103 \u0219i vor s\u0103 se mute \u00eentr-unele mai mici. Aici are ceva de-a face \u0219i cu proverbiala eficien\u021b\u0103 energetic\u0103 britanic\u0103, zero, mai exact, dar \u0219i cu faptul c\u0103 s-a scumpit energia \u0219i sunt foarte mul\u021bi s\u0103raci energetic, exist\u0103 acum expresia asta!<br \/>Coroborat\u0103 cu faptul c\u0103 taxele ( SDLT) de timbru sunt mari peste ni\u0219te sume arbitrare, creeaz\u0103 dou\u0103 pie\u021be care evolueaz\u0103 diferit &#8211; m\u0103 afecteaz\u0103 direct asta :))) . <br \/>Anume, casele mici, semideta\u0219ate \u0219i apartamentele, care beneficiaz\u0103 de scutiri, sau SDLT mic la tranzac\u021bionare \u0219i care pot fi flipuite rapid se scumpesc asimptotic aproape de pragurile de t\u0103iere, casele scumpe nu se mai v\u00e2nd \u0219i le scade pre\u021bul. <br \/>Iar ce zice nenea e c\u0103 un cineva \u00een pragul pensiei, care \u0219i-a imaginat investi\u021bia \u00een casa \u00een care a locuit ca o investi\u021bie \u00een pensie, se treze\u0219te c\u0103 atunci c\u00e2nd vinde casa \u0219i cump\u0103r\u0103 una mai mic\u0103, de rest mai ia pula, c\u0103 pierde un 20-30,000 de lire, adic\u0103 ajunge s\u0103 suporte el pe spinarea lui taxele de timbru, c\u0103 pia\u021ba nu le poate suporta. Lucru adev\u0103rat, oarecum. <br \/>\u0218i nu se pot muta \u0219i de asta pia\u021ba e blocat\u0103, e \u00eens\u0103 un fel de tragedie a \u201dboga\u021bilor\u201d, pe care nu d\u0103 nimeni doi bani. Anume, \u0103ia care au casele cele mai mari ( nu cele mai mari, dar cele mai mari dintre oamenii obi\u0219nui\u021bi, adic\u0103 ce-a r\u0103mas din clasa mijlocie \u0219i s\u0103r\u0103kani) se vait\u0103 c\u0103 n-au bani de facturi \u0219i nu-\u0219i permit nici s\u0103 se mut\u0103 \u00een case de dimensiuni potrivite, iar dac\u0103 nu le convine au \u0219ansa s\u0103 se mute \u00een cote\u021be \u0219i mai mici pe care nu le vor nici s\u0103racii.<\/p>\n\n\n\n<p>Ce e \u0219i mai amuzant e c\u0103 nenea \u0103sta zice c\u0103 \u201dnu e vina lor\u201d c\u0103 \u201dei nu \u0219tiau c\u0103 o s\u0103 se \u00eent\u00e2mple a\u0219a\u201d. Doar c\u0103 le-a pl\u0103cut, normal, c\u00e2nd sistemul func\u021biona \u00een favoarea lor. <br \/>BA, eu zic c\u0103 e \u00een principal vina lor \u0219i <em><strong>s\u0103 stiff the upper lip<\/strong><\/em> acuma. Dar realitatea e c\u0103 s\u0103racii se p\u0103ruiesc cu \u0103ia mai pu\u021bin s\u0103raci timp \u00een care superboga\u021bii, \u0103ia care le finan\u021beaz\u0103 \u00eemprumuturile, at\u00e2t lor c\u00e2t \u0219i pe cele ale statului, r\u00e2d de se cac\u0103 pe ei. <br \/><br \/>Iar nenea \u0103sta zice c\u0103 r\u0103ul a fost f\u0103cut cu legea chiriilor deja \u0219i c\u0103 asta e ( nota mea &#8211; adic\u0103 binele) \u0219i c\u0103 ar trebui s\u0103 scoat\u0103 taxa de timbru ca s\u0103 permit\u0103 oamenilor s\u0103 se mute liber f\u0103r\u0103 taxe, dac\u0103 asta vor, adic\u0103 s\u0103 nu mai pun\u0103 un cost pe downsiding. <br \/>Cumva are dreptate, pe un picior &#8211; dar cred c\u0103 nu e cea mai bun\u0103 idee \u00een contextul economic \u0219i o s\u0103 explic.<\/p>\n\n\n\n<p>El zice c\u0103 banii pe care \u00eei ia statul din taxa aia i-ar c\u00e2\u0219tiga \u00eenzecit din faptul c\u0103 \u201dar exploda\u201d num\u0103rul tranzac\u021biilor \u0219i e de f\u0103cut bani din rulajul \u0103la . Eu nu \u0219tiu dac\u0103 e chiar a\u0219a, dar s\u0103 zicem c\u0103 ar fi. <br \/>Bariera asta \u021bine pre\u021bul caselor scumpe oarecum mai mic, c\u0103 limiteaz\u0103 accesul la ele, trebuie s\u0103 ai taxa de timbru \u00een cash, nu te po\u021bi duce la banc\u0103 s\u0103 zici c\u0103 vrei \u0219i tu un \u00eemprumut pentru 1 milion de lire cu LTV 99.99999% c\u0103 \u00ee\u021bi permi\u021bi rata pe 1000 de ani \u0219i meri\u021bi \u0219i tu o cas\u0103 mai a c\u0103t\u0103rii. Sigur c\u0103 de aici e loc de f\u0103cut bani , dar e de bani pe c\u00e2rca celor care cump\u0103r\u0103 \u0219i \u00eenspre bucuria celor care de\u021bin asseturile \u0219i mai ales a celor care de\u021bin banii de \u00eemprumut! Adic\u0103 \u201drich get richer\u201d.<\/p>\n\n\n\n<p>Repet, taxa asta lucreaz\u0103 <strong>\u00ceN DEFAVOAREA MEA acum<\/strong> \u00een cazul \u00een care ( eu nu vreau, dar tot zice so\u021bia) ne-am muta altundeva, sau cump\u0103r\u0103m ceva case la copii. Dar cred c\u0103 lucreaz\u0103 ca o fr\u00e2n\u0103 \u00een aprecierea f\u0103r\u0103 minte a propriet\u0103\u021bilor. \u0218I A\u0218A au crescut ca la nebuni, dar m\u0103car e o limit\u0103 la 500k.<br \/><br \/>\u0218i, pentru c\u0103 vreau ca \u0219i copiii mei s\u0103-\u0219i permit\u0103 case, consider c\u0103 taxa de timbru e folositoare. Alternativa ar fi s\u0103 nu permi\u021bi \u00eemprumuturi f\u0103r\u0103 un avans consistent \u0219i s\u0103 limitezi suma \u00eemprumuturilor la venitul pe un num\u0103r mai mic de ani \u0219i ratele pe un num\u0103r mai mic de ani dec\u00e2t 30 gen c\u00e2t e acum. <br \/>Dac\u0103 nu pui nicio limit\u0103 \u0219i la\u0219i pia\u021ba c\u0103 regleaz\u0103 ea, le regleaz\u0103 \u00een buzunarul celor mai boga\u021bi. <br \/>A\u0219a c\u0103 mai d\u0103-o \u00een pula mea de pia\u021b\u0103.<\/p>\n\n\n\n<p><br \/><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u0102\u0219tia din UK, labagi\u0219tii, au dat legea chiria\u0219ilor, \u00een efect din mai 2026, screenshot mai jos, care eu, cu de la mine putere, care nu-s&hellip;<\/p>\n","protected":false},"author":2,"featured_media":34418,"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":[6,3499,1594],"tags":[6938],"class_list":["post-34417","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-de-criza","category-economie","category-uk","tag-legea-chiriasilor-uk"],"views":321,"jetpack_publicize_connections":[],"jetpack_featured_media_url":"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2025\/11\/image-85.png","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p4Eq23-8X7","jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/posts\/34417","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=34417"}],"version-history":[{"count":13,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/posts\/34417\/revisions"}],"predecessor-version":[{"id":35014,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/posts\/34417\/revisions\/35014"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/media\/34418"}],"wp:attachment":[{"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=34417"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=34417"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=34417"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}