{"id":38560,"date":"2026-11-05T02:49:00","date_gmt":"2026-11-05T02:49:00","guid":{"rendered":"https:\/\/catalinx.ro\/wordpress\/?p=38560"},"modified":"2026-10-26T16:27:00","modified_gmt":"2026-10-26T16:27:00","slug":"diferente-buy-vs-rent-din-paradigma-universala-si-aia-britanica","status":"publish","type":"post","link":"https:\/\/catalinx.ro\/wordpress\/?p=38560","title":{"rendered":"Diferen\u021be buy vs rent din paradigma universal\u0103 \u0219i aia britanic\u0103"},"content":{"rendered":"<div id=\"fb-root\"><\/div>\n\n<p class=\"wp-block-paragraph\">Clipul \u0103sta \u00eencearc\u0103 o perspectiv\u0103 obiectiv\u0103 a pardigmei imobiliare \u0219i a diferen\u021bei dintre cump\u0103r sau v\u00e2nd. Mai zic \u0219i al\u021bii, nu numai eu.  <br \/><\/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\/FMYWYve1doM?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 class=\"wp-block-paragraph\">Pe undeva pune \u00eentreb\u0103rile corecte. Dar r\u0103spunsul nu e neap\u0103rat corect, de\u0219i \u00een linii mari este \u0219i trateaz\u0103 bine multe detalii. <br \/><br \/>Pleac\u0103 de la pre\u021bul mediu al caselor din UK \u0219i pre\u021bul mediu al chiriei din UK (1:29).   Pozi\u021bionarea asta e direct din start gre\u0219it\u0103 de la ambele capete \u0219i diferen\u021ba e cea dintre statistic\u0103 \u0219i realitate.  \u00centr-o economie care evolueaz\u0103 <a href=\"https:\/\/www.britannica.com\/money\/k-shaped-economy\">K-Shaped<\/a> , ai o segregare a societ\u0103\u021bii unde partea de sus merge \u00een sus, partea de jos merge \u00een jos, iar mediana \u201dnu reprezint\u0103 pe nimeni\u201d, pentru c\u0103 nu ai o distribu\u021bie centrat\u0103, ci ai o segregare socioeconomic\u0103 \u0219i de fapt dou\u0103 distribu\u021bii separate ca dou\u0103 lumi separatie. <br \/><br \/>\u00cen ora\u0219ul unde locuiesc eu sunt <strong> acum fix <a href=\"https:\/\/www.rightmove.co.uk\/property-for-sale\/find.html?searchLocation=Reading%2C%20Berkshire&amp;useLocationIdentifier=true&amp;locationIdentifier=REGION%5E1114&amp;minPrice=270000&amp;maxPrice=280000&amp;radius=0.0&amp;_includeSSTC=on&amp;propertyTypes=detached%2Csemi-detached%2Cterraced%2Cflat%2Cbungalow&amp;index=0&amp;sortType=2&amp;channel=BUY&amp;transactionType=BUY&amp;displayLocationIdentifier=Reading.html&amp;tenureTypes=FREEHOLD%2CSHARE_OF_FREEHOLD&amp;dontShow=retirement%2CsharedOwnership%2Cauction\">24 de propriet\u0103\u021bi de v\u00e2nzare \u00een jurul pre\u021bului median na\u021bional<\/a> <\/strong>. Am pus eu filtre adi\u021bionale care altfel alegerea incorect\u0103, de exemplu, nu consider casele pentru pensionari pe care le cumperi p\u00e2n\u0103 mori, nu consider \u201dbuying scheemes\u201d unde cumperi de fapt p\u0103r\u021bi din imobil &#8211; o mizerie &#8211; \u0219i nu consider  licita\u021biile, c\u0103 \u0103la e guide price, sau de pornire.  De asemenea am exclus propriet\u0103\u021bile \u201dlease\u201d  &#8211; foarte des apartamente, c\u0103 nu-s ale tale pentru tot-deauna, deseori sunt asseturi cu depreciere gradual\u0103 func\u021bie de lease time r\u0103mas \u0219i func\u021bie de costurile de maintenan\u021b\u0103 \u0219i de chiria pe teren, iar costurile \u0103stea, uneori concureaz\u0103 cu chiria \u0219i pe undeva sunt similare \u0219i, peste toate e un deal prost \u0219i nu e comparabil. <br \/><br \/>La \u00een jurul chiriei medii  1400-1500 lire sunt <a href=\"https:\/\/www.rightmove.co.uk\/property-to-rent\/find.html?searchLocation=Reading%2C%20Berkshire&amp;useLocationIdentifier=true&amp;locationIdentifier=REGION%5E1114&amp;minPrice=1400&amp;maxPrice=1500&amp;radius=0.0&amp;_includeLetAgreed=on&amp;dontShow=houseShare%2Cretirement%2Cstudent&amp;sortType=6&amp;channel=RENT&amp;transactionType=LETTING&amp;displayLocationIdentifier=Reading.html\">84 de propriet\u0103\u021bi<\/a> ( mai multe), case \u0219i apartamente. Are sens , pentru c\u0103 o parte din apartamentele care au fost excluse din prima c\u0103utare pe motive de \u201dlease\u201d apar aici \u0219i e OK. <br \/><br \/>Ce prime\u0219ti \u0219i ce \u00eenchiriezi de pre\u021bul mediu &#8211; <strong> \u00een ora\u0219ul unde locuiesc eu . <\/strong><br \/>De exemplu: Casa <a href=\"https:\/\/www.rightmove.co.uk\/properties\/92399646#\/floorplan?activePlan=1&amp;channel=RES_BUY\">asta <\/a>de 1 dormitor ( sau 2 camere, pentru oamenii care nu pot ie\u0219i din paradigma rom\u00e2neasc\u0103) totaliz\u00e2nd circa 40m2.  Asta NU e casa medie din UK. E sub. Pentru c\u0103 \u00een ora\u0219ul \u0103sta casele cost\u0103 mai mult dec\u00e2t media, na\u021bional\u0103 &#8211; legat de locuri de munc\u0103 \u0219i transport c\u0103tre Londra. <br \/><\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1552\" height=\"1008\" data-attachment-id=\"38562\" data-permalink=\"https:\/\/catalinx.ro\/wordpress\/?attachment_id=38562#main\" data-orig-file=\"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-55.png\" data-orig-size=\"1552,1008\" 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;,&quot;alt&quot;:&quot;&quot;}\" data-image-title=\"image\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-55.png\" src=\"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-55.png\" alt=\"\" class=\"wp-image-38562\" srcset=\"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-55.png 1552w, https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-55-480x312.png 480w, https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-55-200x130.png 200w, https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-55-768x499.png 768w, https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-55-1536x998.png 1536w\" sizes=\"auto, (max-width: 1552px) 100vw, 1552px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><br \/><br \/>Sau <a href=\"https:\/\/www.rightmove.co.uk\/properties\/89608899#\/?channel=RES_BUY\">2 dormitoare<\/a> , cred c\u0103 cel mai bun deal la m2, anume 85- clas\u0103 energetic\u0103 E. Aten\u021bie, la clas\u0103 energetic\u0103 \u201dE\u201d nu va mai fi \u00eenchiriabil\u0103 <a href=\"https:\/\/nolettinggo.co.uk\/blog\/epc-c-requirement-for-landlords-what-it-means-and-how-no-letting-go-can-help\/\">din 2028<\/a>, de unde \u0219i chilipirul, m\u0103 g\u00e2ndesc, dar e posibil s\u0103 mai fie dragoni.  Dar momentan <strong><a href=\"https:\/\/www.gov.uk\/guidance\/domestic-private-rented-property-minimum-energy-efficiency-standard-landlord-guidance\">merge<\/a><\/strong>, a\u0219a c\u0103 e valid\u0103 , drept compara\u021bie. <br \/><br \/><\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1879\" height=\"1114\" data-attachment-id=\"38563\" data-permalink=\"https:\/\/catalinx.ro\/wordpress\/?attachment_id=38563#main\" data-orig-file=\"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-56.png\" data-orig-size=\"1879,1114\" 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;,&quot;alt&quot;:&quot;&quot;}\" data-image-title=\"image\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-56.png\" src=\"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-56.png\" alt=\"\" class=\"wp-image-38563\" srcset=\"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-56.png 1879w, https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-56-480x285.png 480w, https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-56-200x119.png 200w, https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-56-768x455.png 768w, https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-56-1536x911.png 1536w\" sizes=\"auto, (max-width: 1879px) 100vw, 1879px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Sau <a href=\"https:\/\/www.rightmove.co.uk\/properties\/90938754#\/?channel=RES_BUY\">2 dormitoare<\/a>, 56m2, clas\u0103 energetic\u0103 D la 280k lire. Deci pe aici. <br \/><br \/><\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1782\" height=\"1011\" data-attachment-id=\"38564\" data-permalink=\"https:\/\/catalinx.ro\/wordpress\/?attachment_id=38564#main\" data-orig-file=\"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-57.png\" data-orig-size=\"1782,1011\" 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;,&quot;alt&quot;:&quot;&quot;}\" data-image-title=\"image\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-57.png\" src=\"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-57.png\" alt=\"\" class=\"wp-image-38564\" srcset=\"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-57.png 1782w, https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-57-480x272.png 480w, https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-57-200x113.png 200w, https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-57-768x436.png 768w, https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-57-1536x871.png 1536w\" sizes=\"auto, (max-width: 1782px) 100vw, 1782px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Nu prea ai parcare, iar gr\u0103din\u0103 ,dac\u0103 e , e mic\u0103, de banii \u0103\u0219tia. <br \/><br \/>De \u00eenchiriat, la pre\u021bul chiriei mediene, g\u0103se\u0219ti cel mai des <strong>apartamente <\/strong>un pic mai mari, cu <a href=\"https:\/\/www.rightmove.co.uk\/properties\/93298023#\/?channel=RES_LET\">2 dormitoare<\/a> ( 3 camere pentru numenclatorul UE). \u0218i cu apartamentele ie\u0219i mai bine. <\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1675\" height=\"1042\" data-attachment-id=\"38565\" data-permalink=\"https:\/\/catalinx.ro\/wordpress\/?attachment_id=38565#main\" data-orig-file=\"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-58.png\" data-orig-size=\"1675,1042\" 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;,&quot;alt&quot;:&quot;&quot;}\" data-image-title=\"image\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-58.png\" src=\"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-58.png\" alt=\"\" class=\"wp-image-38565\" srcset=\"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-58.png 1675w, https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-58-480x299.png 480w, https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-58-200x124.png 200w, https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-58-768x478.png 768w, https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-58-1536x956.png 1536w\" sizes=\"auto, (max-width: 1675px) 100vw, 1675px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Dar dac\u0103 vrei like for like, doar case , g\u0103se\u0219ti inclusiv <a href=\"https:\/\/www.rightmove.co.uk\/properties\/93907623#\/?channel=RES_LET\">3 dormitoare<\/a> &#8211; (sun\u0103 bine , dar stai! ),  at\u00e2ta c\u0103 sunt \u0219i mai mici dormitoarele, dec\u00e2t la casele pe care le cumperi la pre\u021bul mediu, iar casa \u00een sine poate s\u0103 fie o idee mai mare dec\u00e2t casa la pre\u021bul mediu na\u021bional.  <br \/><\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1659\" height=\"1017\" data-attachment-id=\"38566\" data-permalink=\"https:\/\/catalinx.ro\/wordpress\/?attachment_id=38566#main\" data-orig-file=\"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-59.png\" data-orig-size=\"1659,1017\" 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;,&quot;alt&quot;:&quot;&quot;}\" data-image-title=\"image\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-59.png\" src=\"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-59.png\" alt=\"\" class=\"wp-image-38566\" srcset=\"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-59.png 1659w, https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-59-480x294.png 480w, https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-59-200x123.png 200w, https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-59-768x471.png 768w, https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-59-1536x942.png 1536w\" sizes=\"auto, (max-width: 1659px) 100vw, 1659px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\u0218i, \u00een general , <strong>Nu prea vrei s\u0103 locuie\u0219ti \u00een condi\u021bii din alea, mai mult dec\u00e2t nu vrei s\u0103 locuie\u0219ti \u00een cas\u0103 la bani medii. <\/strong><br \/>Gen sunt \u0219i locan\u021be care arat\u0103 bine ,<a href=\"https:\/\/www.rightmove.co.uk\/properties\/159655940#\/?channel=RES_LET\"> gen \u0103sta cu 1 dormitor, \u0219i au spa\u021biu un pic mai bun<\/a>, pentru categorie, dar ai 1 dormitor, vs dou\u0103 \u0219i vine cu alte indezirabilit\u0103\u021bi.<br \/><\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"730\" height=\"249\" data-attachment-id=\"38567\" data-permalink=\"https:\/\/catalinx.ro\/wordpress\/?attachment_id=38567#main\" data-orig-file=\"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-60.png\" data-orig-size=\"730,249\" 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;,&quot;alt&quot;:&quot;&quot;}\" data-image-title=\"image\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-60.png\" src=\"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-60.png\" alt=\"\" class=\"wp-image-38567\" srcset=\"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-60.png 730w, https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-60-480x164.png 480w, https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-60-200x68.png 200w\" sizes=\"auto, (max-width: 730px) 100vw, 730px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"> <\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1050\" height=\"930\" data-attachment-id=\"38568\" data-permalink=\"https:\/\/catalinx.ro\/wordpress\/?attachment_id=38568#main\" data-orig-file=\"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-61.png\" data-orig-size=\"1050,930\" 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;,&quot;alt&quot;:&quot;&quot;}\" data-image-title=\"image\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-61.png\" src=\"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-61.png\" alt=\"\" class=\"wp-image-38568\" srcset=\"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-61.png 1050w, https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-61-480x425.png 480w, https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-61-200x177.png 200w, https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-61-768x680.png 768w\" sizes=\"auto, (max-width: 1050px) 100vw, 1050px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Altfel, na. <a href=\"https:\/\/www.rightmove.co.uk\/properties\/94614951#\/floorplan?activePlan=1&amp;channel=RES_LET\">2 dormitoare<\/a> &#8211; chibrit.<br \/><\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1638\" height=\"1114\" data-attachment-id=\"38569\" data-permalink=\"https:\/\/catalinx.ro\/wordpress\/?attachment_id=38569#main\" data-orig-file=\"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-62.png\" data-orig-size=\"1638,1114\" 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;,&quot;alt&quot;:&quot;&quot;}\" data-image-title=\"image\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-62.png\" src=\"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-62.png\" alt=\"\" class=\"wp-image-38569\" srcset=\"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-62.png 1638w, https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-62-480x326.png 480w, https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-62-200x136.png 200w, https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-62-768x522.png 768w, https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-62-1536x1045.png 1536w\" sizes=\"auto, (max-width: 1638px) 100vw, 1638px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"> <br \/>\u00cen timp ce la casa ta, \u00ee\u021bi po\u021bi \u00eembun\u0103t\u0103\u021bii condi\u021biile de existen\u021b\u0103 , dac\u0103 nu e\u0219ti falit sau animal, \u00een chirie, destul de des e\u0219ti tratat ca un animal, pleava societ\u0103\u021bii. \u0218i e posibil s\u0103 nu ai price point pentru ce vrei . <br \/>S\u0103 trecem mai departe. <br \/><br \/>Mai departe, se explic\u0103 conceptul corect, c\u0103 banii da\u021bi pe chirie sunt \u201ddead money\u201d, \u00een balan\u021b\u0103 cu banii pl\u0103ti\u021bi pe dob\u00e2nd\u0103. \u0218i iese, din calculele domnului, o dob\u00e2nd\u0103 doar pu\u021bin mai mic\u0103 dec\u00e2t chiria, dar mai prezint\u0103 dumnealui ni\u0219te alte cheltuieli ata\u0219ate de\u021binerii, care nu se reflect\u0103 la chiria\u0219 de unde pare c\u0103 se apropie una de alta. Vreau s\u0103 atrag aten\u021bia c\u0103 dac\u0103 ar fi a\u0219a, nu ar fi rentabil pentru nimeni s\u0103 dea propriet\u0103\u021bi \u00een chirie \u0219i pentru pule\u021bi ca mine \u0219i ca tine poate s\u0103 nu fie rentabil, dar asta datorit\u0103 taxelor \u0219i obliga\u021biilor \u0219i riscurilor pe care pe unele le po\u021bi asigura, de altele po\u021bi fi dat \u00een judecat\u0103 &#8211; sun\u0103 trist \u0219i pe undeva e, mai trist dec\u00e2t \u00een Rom\u00e2nia, dar s\u0103 trecem peste. <br \/>\u201dThen <a href=\"https:\/\/www.rightmove.co.uk\/properties\/94614951#\/floorplan?activePlan=1&amp;channel=RES_LET\">January arrives<\/a>. \u201d &#8211; unde  povestitorul \u00eencearc\u0103 s\u0103 deseneze epitomul problemelor proprietarului simul\u00e2nd momentul c\u00e2nd se stric\u0103 boilerul, fix anul urm\u0103tor de c\u00e2nd ai cump\u0103rat. Este amuzant pentru c\u0103  <a href=\"https:\/\/catalinx.ro\/wordpress\/?p=21303\">fix a\u0219a mi s-a \u00eent\u00e2mplat<\/a>, fix ianuarie, anul de dup\u0103 ce am cump\u0103rat casa. Pentru ce conteaz\u0103, era \u00een raportul surveyerului  &#8211; nici nu era nevoie s\u0103 fie, c\u0103 se vedea de la vizionare, c\u0103 e vechi \u0219i trebuie \u00eenlocuit. Deci dac\u0103 m\u0103 \u00eengrijora asta, nu a\u0219 fi cump\u0103rat &#8211; simplu. <br \/><br \/>Costurile ipotetice sunt 300 vs 4000 &#8211; iar aici e un pic de bias.  Pentru c\u0103 eu le-am pl\u0103tit pe-am\u00e2ndou\u0103, \u00eencep\u00e2nd cu tentativa de repara\u021bie. care a fost 395 de lire &#8211; am primit ceva bani \u00eenapoi c\u0103 s-au lungit \u0219i nu au reparat nici pula mea. <br \/>\u0218i dup\u0103 aia, am ajuns cu tot cu controler hive ( a se citi upgrade) \u0219i, \u00eentr-un setup destul de complicat \u0219i necomun pentru s\u0103racii \u0103\u0219tia, la 3850 de lire instalarea  celei mai scumpe centrale care este &#8211; Weissman. Dac\u0103 \u00eenstalam British Made, sau italean, mai t\u0103iam p\u00e2n\u0103 la 2000. <br \/>\u0218i de la pre\u021bul \u0103sta mai puteam t\u0103ia o mie, dac\u0103 nu voiam IERI &#8211; pute\u021bi vedea articolul pentru detalii. \u0218i e important. <br \/>Nu c\u0103 zic eu, dar <a href=\"https:\/\/www.hamuch.com\/cost\/new-boiler\/reading\">\u0103stea sunt pre\u021burile 2026<\/a> la hamuci ( a\u0219a zic ei, nu-mi spune\u021bi mie c\u0103-s analfabet). <br \/><\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1530\" height=\"844\" data-attachment-id=\"38570\" data-permalink=\"https:\/\/catalinx.ro\/wordpress\/?attachment_id=38570#main\" data-orig-file=\"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-63.png\" data-orig-size=\"1530,844\" 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;,&quot;alt&quot;:&quot;&quot;}\" data-image-title=\"image\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-63.png\" src=\"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-63.png\" alt=\"\" class=\"wp-image-38570\" srcset=\"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-63.png 1530w, https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-63-480x265.png 480w, https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-63-200x110.png 200w, https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-63-768x424.png 768w\" sizes=\"auto, (max-width: 1530px) 100vw, 1530px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\u0102stea sunt oferte efective azi, pentru case ca a mea \u0219i astea cu un pic de supradimensionare &#8211; care nu sunt casa la pre\u021bul median, dar la cas\u0103 mai mic\u0103 doar \u00ee\u021bi pun \u0103\u0219tia un boiler de putere mai mic\u0103, c\u0103 ei vor s\u0103 fii eco, s\u0103 nu <strong> po\u021bi tu<\/strong> s\u0103 consumi mai mult gaz, dac\u0103 ai avea nevoie.Se g\u00e2ndesc la buzunarul t\u0103u.   <br \/><\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1920\" height=\"902\" data-attachment-id=\"38571\" data-permalink=\"https:\/\/catalinx.ro\/wordpress\/?attachment_id=38571#main\" data-orig-file=\"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-64.png\" data-orig-size=\"2166,1018\" 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;,&quot;alt&quot;:&quot;&quot;}\" data-image-title=\"image\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-64-1920x902.png\" src=\"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-64-1920x902.png\" alt=\"\" class=\"wp-image-38571\" srcset=\"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-64-1920x902.png 1920w, https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-64-480x226.png 480w, https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-64-200x94.png 200w, https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-64-768x361.png 768w, https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-64-1536x722.png 1536w, https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-64-2048x963.png 2048w\" sizes=\"auto, (max-width: 1920px) 100vw, 1920px\" \/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1920\" height=\"1057\" data-attachment-id=\"38572\" data-permalink=\"https:\/\/catalinx.ro\/wordpress\/?attachment_id=38572#main\" data-orig-file=\"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-65.png\" data-orig-size=\"2191,1206\" 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;,&quot;alt&quot;:&quot;&quot;}\" data-image-title=\"image\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-65-1920x1057.png\" src=\"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-65-1920x1057.png\" alt=\"\" class=\"wp-image-38572\" srcset=\"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-65-1920x1057.png 1920w, https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-65-480x264.png 480w, https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-65-200x110.png 200w, https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-65-768x423.png 768w, https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-65-1536x845.png 1536w, https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-65-2048x1127.png 2048w\" sizes=\"auto, (max-width: 1920px) 100vw, 1920px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Op\u021biunea scump\u0103: <br \/><\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1920\" height=\"906\" data-attachment-id=\"38573\" data-permalink=\"https:\/\/catalinx.ro\/wordpress\/?attachment_id=38573#main\" data-orig-file=\"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-66.png\" data-orig-size=\"2137,1008\" 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;,&quot;alt&quot;:&quot;&quot;}\" data-image-title=\"image\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-66-1920x906.png\" src=\"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-66-1920x906.png\" alt=\"\" class=\"wp-image-38573\" srcset=\"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-66-1920x906.png 1920w, https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-66-480x226.png 480w, https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-66-200x94.png 200w, https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-66-768x362.png 768w, https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-66-1536x725.png 1536w, https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-66-2048x966.png 2048w\" sizes=\"auto, (max-width: 1920px) 100vw, 1920px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Presupun c\u0103 se vede c\u0103 \u0103la \u00een clip maximizeaz\u0103 costul de \u00eenlocuire &#8211; \u201daround 4000\u201d e de fapt \u201dmax 4000 , dar po\u021bi face cu 2500\u201d. La repara\u021bie e a\u0219a \u0219i a\u0219a. c\u0103 po\u021bi avea repara\u021bii mai ieftine, dar nu din registrul \u201de a\u0219a de stricat de m\u0103 g\u00e2ndesc s\u0103-l schimb\u201d. \u00cen registrul \u0103la, costurile sunt minimizate. <br \/>Dar, aici e o poten\u021bial\u0103 exagerare doar.  Minciunea vine imediat dup\u0103 :). <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201d<strong><em>Boilerul chiria\u0219ului se stric\u0103 &#8211; \u00eei trimite un SMS proprietarului \u0219i se repar\u0103<\/em><\/strong>\u201d. <br \/>Observa\u021bi cum se vede \u00een poz\u0103 c\u0103 chiria\u0219ul nu termin\u0103 de tastat mesajul \u0219i pac, proprietarul vine spre el cu instalatorul. <br \/><\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1717\" height=\"1012\" data-attachment-id=\"38574\" data-permalink=\"https:\/\/catalinx.ro\/wordpress\/?attachment_id=38574#main\" data-orig-file=\"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-67.png\" data-orig-size=\"1717,1012\" 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;,&quot;alt&quot;:&quot;&quot;}\" data-image-title=\"image\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-67.png\" src=\"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-67.png\" alt=\"\" class=\"wp-image-38574\" srcset=\"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-67.png 1717w, https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-67-480x283.png 480w, https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-67-200x118.png 200w, https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-67-768x453.png 768w, https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-67-1536x905.png 1536w\" sizes=\"auto, (max-width: 1717px) 100vw, 1717px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Ei bine, ce crezi, am avut \u0219i problema asta \u0219i ce s-a \u00eent\u00e2mplat e c\u0103 a venit un \u201dconstatator\u201d a doua zi, am improvizat eu ce am putut s\u0103 mai avem un pic de ap\u0103 cald\u0103 s\u0103 ne sp\u0103l\u0103m \u0219i o umbr\u0103 de c\u0103ldur\u0103 \u0219i i-am amenin\u021bat pe to\u021bi c\u0103 \u00eemi bag pula \u0219i m\u0103 mut la hotel \u0219i le trimit factura dac\u0103 nu repar\u0103 &#8211; asta pentru c\u0103 am bani s\u0103 locuiesc la hotel \u0219i de avoca\u021bi, la o adic\u0103. \u0218i tot a durat ni\u0219te zile p\u00e2n\u0103 a venit un maimu\u021boid suficient de inteligent s\u0103 schimbe o butelie de presiune. <br \/>\u0218i culmea, proprietarii erau super de calitate, dar tocmai ce d\u0103duser\u0103 casa \u00een management la o agen\u021bie &#8211; Parkers. <br \/><br \/>Acela a fost momentul \u00een care i-am spus so\u021biei c\u0103 dac\u0103 nu ne cump\u0103r\u0103m cas\u0103, plec\u0103m  din \u021bara asta p\u00e2n\u0103 \u00een var\u0103. <br \/>Moment frumos prezentat aici drept, dai un SMS \u0219i se rezolv\u0103 p\u00e2n\u0103 apuci s\u0103-l scrii  \u0219i nu pl\u0103te\u0219ti un penis \u00een plus. \u0218i nu, nu-s doar eu. \u0218i cunoscu\u021bii mei care au stat \u00een chirii tot a\u0219a. <br \/><br \/>\u0218i motiveaz\u0103 c\u0103 s-a schimbat legea c\u0103 nu te mai pot da \u0103\u0219tia afar\u0103 din cas\u0103  c\u0103 a\u0219a vor ei ( adic\u0103, c\u0103 \u00eei deranjezi) \u0219i \u00ee\u021bi pot cre\u0219te chiria doar o dat\u0103 pe an &#8211; p\u0103i, una la m\u00e2n\u0103, c\u0103 dac\u0103 \u021bi se stric\u0103 centrala \u0219i trag de timp, vrei tu s\u0103 pleci. A doua la m\u00e2n\u0103 c\u0103 e suficient s\u0103-\u021bi creasc\u0103 chiria o dat\u0103 pe an \u0219i pleci tu, dac\u0103 nu e\u0219ti idiot. C\u0103 dac\u0103 crezi c\u0103 \u021bi-a crescut chiria prea mult, te judeci la tribunal &#8211; bahhahaah, tu e\u0219ti a\u0219a de p\u00e2r\u021bar c\u0103 nu-\u021bi permi\u021bi s\u0103  cumperi o cas\u0103 \u0219i ai bani de tribunale ca s\u0103 ce, c\u0103 \u00een definit, \u00eel superi pe \u0103la, te d\u0103 afar\u0103 din cas\u0103 \u0219i o vinde, #iapulana. <br \/> A\u0219a c\u0103 da, e mai bine, dar doar pentru c\u0103 \u00eenainte era un pic amuzant. M\u0103 rog, putea fi. <br \/><br \/>De unde va \u00eei d\u0103 \u0103stuia c\u0103 Kieran tr\u0103ie\u0219te \u00een confort mai bun \u0219i \u00eenveste\u0219te 200 de lire pe lun\u0103 care \u00eei mai r\u0103m\u00e2n fa\u021b\u0103 de \u0103la care-\u0219i cump\u0103r\u0103 cas\u0103. <br \/>Teaba asta e un delusion. <br \/><br \/>Mai departe,  povestitorul pune accent pe faptul c\u0103 valoarea investi\u021biei celui care cump\u0103r\u0103 cre\u0219te cu mai mult dec\u00e2t suma investit\u0103 pentru c\u0103 leverage \u0219i are un avantaj aici, fa\u021b\u0103 de investi\u021bii ISA , dar, \u00een teorie, poate \u0219i s\u0103 scad\u0103 sau s\u0103 nu creasc\u0103 , sau s\u0103 creasc\u0103 mai pu\u021bin dec\u00e2t bursa , mult mai  &#8211; vezi 2022 -2026 , tot \u00een UK. Asta nu spune. <br \/>Ce spune e c\u0103, \u201dspre deosebire de US\u201d, \u00een UK nu po\u021bi fixa dob\u00e2nda pe toat\u0103 perioada creditului \u0219i trebuie ca la  expirarea perioadei de fix s\u0103 faci alt deal \u0219i asta e obositor ( chiar e) ,c\u0103 la 2 sau la 5 ani &#8211; pe c\u00e2nd la chirie stai f\u0103r\u0103 griji. \u0218i face apologia faptului c\u0103 56% dintre creditaci iau dealuri de fix la 2 ani \u0219i fiecare nou deal \u00eei cost\u0103 cam 900 de lire, comision de analiz\u0103 &#8211; asta pentru c\u0103-s pro\u0219ti, scuza\u021bi-mi franceza. <br \/>Ce nu spune este c\u0103 durata medie pe care un chiria\u0219 st\u0103 \u00eentr-un loc \u00een chirie, de abia acum, cu noile legi , <a href=\"https:\/\/www.depositprotection.com\/news-insights\/average-tenancy-now-more-than-1000-days\">a ajuns la un pic pete 3 ani.<\/a>  \u0218i v\u0103 asigur eu c\u0103 e mai complicat \u0219i mai obositor dec\u00e2t s\u0103 aranjezi \u00eenc\u0103 o perioad\u0103 de fixed la creditor, sau un remortgage. Dar asta nu spune, doar \u00ee\u021bi arat\u0103 ce somn nelini\u0219tit are proprietarul cu cifre prin cap toat\u0103 noaptea, \u00een timp ce chiria\u0219ul st\u0103 foarte-foarte lini\u0219tit. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Partea pe care o spune bine \u00eencepe la minutul <a href=\"https:\/\/youtu.be\/FMYWYve1doM?si=tddmc1rOpDqRA9oJ&amp;t=540\">9:00<\/a>.  Chiria tot cre\u0219te, zic ei 3.5% pe an &#8211; consider\u00e2nd cumva o infla\u021bie medie \u00een zona aia, lucru care nu e deloc adev\u0103rat, cel pu\u021bin nu pentru UK. Iar pentru proprietar, rata poate cre\u0219te de la un fix la altul doar dac\u0103 cre\u0219te \u0219i dob\u00e2nda, iar dob\u00e2nda nu e probabil s\u0103 creasc\u0103 tot timpul. Mai exact \u00eens\u0103, dac\u0103 cre\u0219te dob\u00e2nda ca la nebuni \u0219i evi\u021bi cumva un crash imobiliar,  chiria o s\u0103 creasc\u0103 cu \u0219i mai mult dec\u00e2t 3.5%, adic\u0103 chiria nu urmeaz\u0103 musai infla\u021bia, poate s-o construiasc\u0103. <br \/><br \/>Partea cea mai corect\u0103 \u0219i invariabil\u0103 este <strong><a href=\"https:\/\/youtu.be\/FMYWYve1doM?si=tjg72gf2p2oQLGe2&amp;t=987\">aici<\/a><\/strong>. Ajuns la pensie, descoperi c\u0103 pensia nu \u021bine pasul cu chiria. Pensionarii care tr\u0103iesc \u00een chirie pl\u0103tesc 35% din veniturile lor pe chirie. \u0218i cre\u0219te cu v\u00e2rsta din cauz\u0103 c\u0103 pensia nu \u021bine pasul cu chiria. E adev\u0103rat c\u0103 nici nu mai ai nevoie de multe la b\u0103tr\u00e2ne\u021be, problema e c\u0103 \u00een K shaped economy &#8211; media \u201dnu reprezint\u0103 pe nimeni\u201d. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Mai analizeaz\u0103 perspectiva londonez\u0103 care e contrar\u0103 patternului &#8211; anume, \u00een Londra, chiria\u0219ul \u201dc\u00e2\u0219tig\u0103\u201d, pentru c\u0103 &#8211; valabil doar decada asta, momentan, pre\u021bul caselor se depreciaz\u0103  &#8211; tocmai pentru c\u0103 chiria\u0219ul c\u00e2\u0219tig\u0103, a\u0219 zice eu &#8211; \u0219i te prinde cu investi\u021bia \u00een joc, dac\u0103 ai cump\u0103rat deja. \u0218i zice c\u0103 dac\u0103 e\u0219ti \u00een Londra mai bine \u00eenchiriezi.<br \/>Acolo sunt multe aspecte care te fut, printre care \u0219i taxa de timbru care nu te motiveaz\u0103 s\u0103 mai vinzi \u0219i s\u0103 cumperi \u00een UK, dec\u00e2t c\u00e2nd pia\u021ba cre\u0219te destul. <br \/><br \/>Eu zic altfel. Dac\u0103 e\u0219ti \u00een Londra trebuie s\u0103 te mu\u021bi de acolo. Nu \u0219tiu c\u00e2nd, c\u00e2ndva, func\u021bie de c\u00e2\u021bi bani faci. <br \/>Un loc unde e \u201dmai ieftin\u201d s\u0103 stai cu chirie ( ghilimelele sunt c\u0103 nu e ieftin, gen s\u0103-\u0219i permit\u0103 lejer puletele mediu) dec\u00e2t s\u0103 de\u021bii e \u00een neregul\u0103. Nu are cum s\u0103 fie \u00een regul\u0103 \u00een nicio paradigm\u0103. A\u0219a c\u0103 trebuie s\u0103-\u021bi bagi pula \u0219i s\u0103 pleci de acolo, dac\u0103 nu c\u00e2\u0219tigi vagoane de bani care s\u0103 fac\u0103 <strong> complet<\/strong> offset la chirie fa\u021b\u0103 de c\u00e2\u021bi bani faci dac\u0103 nu locuie\u0219ti acolo &#8211; \u00een ideea \u00een care consideri chiria aia ca pe un cost of doing business \u0219i \u00ee\u021bi aranjezi, separat de asta via\u021ba \u0219i b\u0103tr\u00e2ne\u021bile.  <br \/><br \/>Dac\u0103 nu e\u0219ti \u00een paradigma asta, cineva te cump\u0103r\u0103 pe nasturi \u0219i \u00ee\u021bi inchiriaz\u0103 \u021bie via\u021ba. <br \/><br \/>Ce nu spune deloc clipul, c\u0103 nu se v\u0103d din perspectiv\u0103 investi\u021bional\u0103: <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Am s\u0103 plec de la ce e mai important. <\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>S\u0103 nu fii o dron\u0103, sau un hamster care se \u00eenv\u00e2rte pe roat\u0103  \u0219i s\u0103 nu-\u021bi tr\u0103ie\u0219ti via\u021ba \u00eentr-un mod \u00een care nu po\u021bi controla nimic. Dac\u0103 nu controlezi costul locuirii \u0219i ai numai pl\u0103\u021bi \u0219i rate, o s\u0103 te ghidoneze al\u021bii, unii pu\u021bini, care controleaz\u0103 lumea, unde vor ei, pe ce g\u0103uri vor ei s\u0103 te \u00eemping\u0103 pe acolo o s\u0103 intri tu, iar dac\u0103 c\u00e2nd e\u0219ti proprietar visezi cifre dob\u00e2nzi, rate \u0219i costuri, c\u00e2nd e\u0219ti chiria\u0219 ai \u0219i mai multe anxiozit\u0103\u021bi.<\/li>\n\n\n\n<li>Dimensionarea propriet\u0103\u021bii pe care o cumperi \u0219i a ratelor trebuie s\u0103 fie s\u0103 po\u021bi pl\u0103ti \u0219i s\u0103 pl\u0103te\u0219ti \u00een maxim 10 ani, \u00een condi\u021bii ideale. Adic\u0103 iei creditul pe 30 de ani, dar ca s\u0103 ai loc de respirat dac\u0103 se \u00eent\u00e2mpl\u0103 ceva, nu c\u0103 at\u00e2ta po\u021bi tu pe toat\u0103 via\u021ba.  \u0218i TREBUIE s\u0103 faci eforturi s\u0103 pl\u0103te\u0219ti \u201dby all means\u201d mai devreme de 10 ani. Sigur c\u0103 \u0219i chiria\u0219ul poate pune bani de-o parte \u0219i investi mai mult dec\u00e2t diferen\u021ba de cost \u0219i chiar asta trebuie s\u0103 fac\u0103, \u00eentr-un fel sau altul. A\u0219a c\u0103 calculele realiste arat\u0103 de obicei altfel. <\/li>\n\n\n\n<li>Condi\u021biile de via\u021b\u0103 din chirie nu se compar\u0103 cu cele pe care <strong>le po\u021bi<\/strong> ob\u021bine c\u00e2nd de\u021bii.  Nu la bani comparabili &#8211; uneori nici \u00een acela\u0219i ordin de m\u0103rime! Nu sunt garantate, c\u0103 trebuie s\u0103 faci tu chestii, investi\u021bii suplimentare, dar PO\u021aI m\u0103car s\u0103 faci asta. La chirie nu po\u021bi schimba ce ai \u0219i nu po\u021bi influen\u021ba ce-\u021bi ofer\u0103 pia\u021ba. Oricum nu f\u0103r\u0103c costuri care nu au niciun sens.  Eu sunt un caz extrem, a\u0219a c\u0103 lua\u021bi cu un pic de sare, dar am plecat de la o chirie de 1515 GBP\/ lun\u0103, \u00een 2018, care acum e  &#8211; \u00een condi\u021bii similare, dac\u0103 a\u0219 mai vrea s\u0103 tr\u0103iesc a\u0219a, undeva la 1800 GBP\/ lun\u0103 &#8211; care se potrive\u0219te \u00een teren unei cre\u0219teri fix de 3.5% pe an, ca \u00een clip. \u0218tiu c\u0103 3.5*5 = 17.5, dar \u00eencerca\u021bi compound increase. Dac\u0103 a\u0219 cump\u0103ra azi, la dob\u00e2nzile de azi casa, a\u0219a cum pune \u0103sta \u00een clip 15% avans \u0219i a\u0219 ad\u0103uga \u0219i banii pe care i-am b\u0103gat eu \u00een cas\u0103 ( f\u0103r\u0103 a pretinde c\u0103 asta e sau nu e valoarea de pia\u021b\u0103) a\u0219 ajunge undeva la de lire 650,000 \u0219i dob\u00e2nda pe 30 de ani (curent o dob\u00e2nd\u0103 m\u0103ricic\u0103 fixed este 5.7%)  la suma asta ar fi 583,867 lire, adic\u0103 <strong>1621 <\/strong>de lire pe lun\u0103.  Noi avem o cas\u0103 de 4 dormitoare, birou \u00eenc\u0103lzit \u00een curte, panouri solare pe cas\u0103, solu\u021bii de \u00eenc\u0103lzire multiple &#8211; trei  &#8211; acum aer condi\u021bionat, dormitoare mari, nu cum vede\u021bi mai sus. Nu exist\u0103 , \u00een momentul de fa\u021b\u0103, case cu 4 dormitoare de niciun fel, nici apartamente, la costul de 1621 de lire pe lun\u0103 \u00een ora\u0219ul \u0103sta \u00een nicio zon\u0103.NIC\u0102IERI .  1750 e chiria minim\u0103.<br \/>Iar ce ob\u021bii de banii \u0103\u0219tia e o cas\u0103 terasat\u0103 ( spre deosebire de deta\u0219at\u0103) de 96m2 &#8211; adic\u0103 un pic mai mare de jum\u0103tate din a noastr\u0103, nemobilat\u0103 ( cu buc\u0103t\u0103ria utilat\u0103) , cu 2 dormitoare OK \u0219i dou\u0103 mici \u0219i foarte mici &#8211; unu e maxim birou, dar e OK, o singur\u0103 baie, care este ad\u0103ugat\u0103 la parter \u0219i intri s\u0103 te caci din buc\u0103t\u0103rie, pentru c\u0103 fuck you , that is why, f\u0103r\u0103 parcare \u0219i cu o curte a\u0219a de mare c\u0103 au pus mochet\u0103 \u00een loc de gazon , mai mic\u0103 desc\u00e2t sufrageria mea, dar m\u0103car e \u201dlow maintenance\u201d lol. Fully managed e c\u0103 e dat\u0103 la o agen\u021bie \u0219i p\u0103\u021be\u0219ti ca mine mai sus c\u00e2nd ai nevoie de ceva &#8211; management &#8211; texte cu sigur, vorbim cu proprietarul \u0219i revenim &#8211; la pulivar\u0103.<br \/><br \/><br \/><br \/><br \/><br \/><\/li>\n<\/ol>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1204\" height=\"825\" data-attachment-id=\"38575\" data-permalink=\"https:\/\/catalinx.ro\/wordpress\/?attachment_id=38575#main\" data-orig-file=\"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-68.png\" data-orig-size=\"1204,825\" 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;,&quot;alt&quot;:&quot;&quot;}\" data-image-title=\"image\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-68.png\" src=\"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-68.png\" alt=\"\" class=\"wp-image-38575\" srcset=\"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-68.png 1204w, https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-68-480x329.png 480w, https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-68-200x137.png 200w, https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-68-768x526.png 768w\" sizes=\"auto, (max-width: 1204px) 100vw, 1204px\" \/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"328\" height=\"250\" data-attachment-id=\"38576\" data-permalink=\"https:\/\/catalinx.ro\/wordpress\/?attachment_id=38576#main\" data-orig-file=\"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-69.png\" data-orig-size=\"328,250\" 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;,&quot;alt&quot;:&quot;&quot;}\" data-image-title=\"image\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-69.png\" src=\"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-69.png\" alt=\"\" class=\"wp-image-38576\" srcset=\"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-69.png 328w, https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-69-200x152.png 200w\" sizes=\"auto, (max-width: 328px) 100vw, 328px\" \/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"867\" height=\"882\" data-attachment-id=\"38577\" data-permalink=\"https:\/\/catalinx.ro\/wordpress\/?attachment_id=38577#main\" data-orig-file=\"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-70.png\" data-orig-size=\"867,882\" 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;,&quot;alt&quot;:&quot;&quot;}\" data-image-title=\"image\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-70.png\" src=\"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-70.png\" alt=\"\" class=\"wp-image-38577\" srcset=\"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-70.png 867w, https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-70-472x480.png 472w, https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-70-197x200.png 197w, https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-70-768x781.png 768w\" sizes=\"auto, (max-width: 867px) 100vw, 867px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">De la 2500 \u00een sus \u00eencepe s\u0103 semene cu ceva unde a\u0219 vrea s\u0103 locuiesc, iar  acum ( c\u00e2nd scriu eu \u00een general nu g\u0103sesc disponibil de \u00eenchiriat) <a href=\"https:\/\/www.rightmove.co.uk\/properties\/94174911#\/?channel=RES_LET\">v\u0103d la 4000\/ lun\u0103 ceva ce e mai un pic mi\u0219to<\/a> dec\u00e2t avem noi, din mai multe puncte de vedere. Are dormitoare mai mici, dar exteriorul m\u0103 las\u0103 un pic gelos, s\u0103 zic a\u0219a \u0219i e mai mare &#8211; 203 m2. <br \/><\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1372\" height=\"922\" data-attachment-id=\"38578\" data-permalink=\"https:\/\/catalinx.ro\/wordpress\/?attachment_id=38578#main\" data-orig-file=\"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-71.png\" data-orig-size=\"1372,922\" 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;,&quot;alt&quot;:&quot;&quot;}\" data-image-title=\"image\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-71.png\" src=\"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-71.png\" alt=\"\" class=\"wp-image-38578\" srcset=\"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-71.png 1372w, https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-71-480x323.png 480w, https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-71-200x134.png 200w, https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-71-768x516.png 768w\" sizes=\"auto, (max-width: 1372px) 100vw, 1372px\" \/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1573\" height=\"1122\" data-attachment-id=\"38579\" data-permalink=\"https:\/\/catalinx.ro\/wordpress\/?attachment_id=38579#main\" data-orig-file=\"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-72.png\" data-orig-size=\"1573,1122\" 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;,&quot;alt&quot;:&quot;&quot;}\" data-image-title=\"image\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-72.png\" src=\"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-72.png\" alt=\"\" class=\"wp-image-38579\" srcset=\"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-72.png 1573w, https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-72-480x342.png 480w, https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-72-200x143.png 200w, https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-72-768x548.png 768w, https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-72-1536x1096.png 1536w\" sizes=\"auto, (max-width: 1573px) 100vw, 1573px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\u0218i e clar c\u0103 casa asta nu e de muco\u0219i ca mine, c\u0103 e in <a href=\"https:\/\/www.reading.gov.uk\/council-tax\/council-tax-bands\/\">tax band G<\/a>, H fiind aia de supernobilime, prietenii regelui, maxima din univers. Cheia fiind c\u0103 de foarte multe ori nu am g\u0103sit \u00een tot ora\u0219ul ceva de \u00eenchiriat comparabil la calitate. La 3 dormitoare g\u0103se\u0219ti ceva calitativ \u0219i mai rar. <br \/><\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"753\" height=\"135\" data-attachment-id=\"38580\" data-permalink=\"https:\/\/catalinx.ro\/wordpress\/?attachment_id=38580#main\" data-orig-file=\"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-73.png\" data-orig-size=\"753,135\" 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;,&quot;alt&quot;:&quot;&quot;}\" data-image-title=\"image\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-73.png\" src=\"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-73.png\" alt=\"\" class=\"wp-image-38580\" srcset=\"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-73.png 753w, https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-73-480x86.png 480w, https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/10\/image-73-200x36.png 200w\" sizes=\"auto, (max-width: 753px) 100vw, 753px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><br \/>De final &#8211; cel mai important aspect de aici, care r\u0103m\u00e2ne netratat, e riscul, c\u0103 toat\u0103 lumea se vede investitor \u0219i scheme. <br \/>Orice investi\u021bie, inclusiv casa ta, poart\u0103 ni\u0219te riscuri. Riscul cel mai important pentru casa ta, aia \u00een care locuie\u0219ti, nu e sc\u0103derea pre\u021bului &#8211; ci este s\u0103-\u021bi ia foc, cutremur, astea. Este un risc mic, dar de impact mare &#8211; nu mai ai unde locui. Dac\u0103 scade pre\u021bul, \u0103la e un risc semnificativ mai mare, dar de impact minim  &#8211; p\u00e2n\u0103 nu vrei s\u0103 vinzi \u0219i s\u0103 mu\u021bi \u00een alt\u0103 \u021bar\u0103.   <br \/>Pe care le po\u021bi trata, nu 100% , dar destul de exhaustiv cu o asigurare.  \u0218i vei avea unde s\u0103 locuie\u0219ti. Nu exist\u0103, din ce \u0219tiu, asigurare care s\u0103 \u00ee\u021bi trateze riscul ca investi\u021biile tale , \u00een timp ce bagi chirie, nu sunt performante. Po\u021bi s\u0103 faci hedging, dar nu func\u021bioneaz\u0103 la fel ca o asigurare de cas\u0103.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ideea oric\u0103riui clip de youtube e c\u0103 \u201ddomne, nimic nu se tran\u0219eaz\u0103 clar, depinde de circumstan\u021be locale \u0219i de situa\u021bia ta, decizi tu pentru tine , bla bla bla, scrie\u021bi \u00een comentarii\u201d. Niciun comentariu, nimic. <br \/><strong>Pe termen lung, dac\u0103 nu ai casa ta, ai belit pula. <\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Clipul \u0103sta \u00eencearc\u0103 o perspectiv\u0103 obiectiv\u0103 a pardigmei imobiliare \u0219i a diferen\u021bei dintre cump\u0103r sau v\u00e2nd. Mai zic \u0219i al\u021bii, nu numai eu. Pe undeva&hellip;<\/p>\n","protected":false},"author":2,"featured_media":25706,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_feature_clip_id":0,"_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},"jetpack_post_was_ever_published":false},"categories":[3499],"tags":[7692,7693],"class_list":["post-38560","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-economie","tag-buy-vs-rent","tag-uk-house-market-2026"],"views":31,"jetpack_publicize_connections":[],"jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p4Eq23-a1W","jetpack-related-posts":[],"jetpack_featured_media_url":"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2023\/09\/casa-tigle-rooftiles-old-english-house.png","_links":{"self":[{"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/posts\/38560","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=38560"}],"version-history":[{"count":1,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/posts\/38560\/revisions"}],"predecessor-version":[{"id":38581,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/posts\/38560\/revisions\/38581"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/media\/25706"}],"wp:attachment":[{"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=38560"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=38560"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=38560"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}