{"id":12645,"date":"2021-09-08T06:40:34","date_gmt":"2021-09-08T03:40:34","guid":{"rendered":"https:\/\/businessexpress.ro\/?p=12645"},"modified":"2026-01-03T21:56:16","modified_gmt":"2026-01-03T19:56:16","slug":"10-pasi-spre-fericirea-imobiliara-cum-am-renuntat-la-statutul-de-chiriasa","status":"publish","type":"post","link":"https:\/\/businessexpress.ro\/ro\/10-pasi-spre-fericirea-imobiliara-cum-am-renuntat-la-statutul-de-chiriasa\/","title":{"rendered":"10 pa\u0219i spre fericirea imobiliar\u0103. Cum am renun\u021bat la statutul de chiria\u0219\u0103"},"content":{"rendered":"
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Te sperie g\u00e2ndul unui credit imobiliar pentru aproape toat\u0103 via\u021ba? E\u0219ti chiria\u0219 convins \u0219i \u021bi se pare mult mai convenabil s\u0103 nu te legi la cap cu o locuin\u021b\u0103 \u00een care s\u0103 investe\u0219ti zeci de ani? Te \u00een\u021beleg perfect, am fost \u0219i eu \u00een situa\u021bia aceasta, dar ceea ce \u00ee\u021bi voi povesti \u00ee\u021bi va schimba total viziunea. Fericirea imobiliar\u0103 exist\u0103.<\/strong> \u0218i cost\u0103 mai pu\u021bin dec\u00e2t \u021bi-ai imagina. Existen\u021ba unui loc \u201cal t\u0103u\u201d vine la pachet nu doar cu sim\u021bul responsabilit\u0103\u021bii, ci \u0219i cu o doz\u0103 uria\u0219\u0103 de \u00eencredere \u00een propria persoan\u0103.<\/p>\n\n\n\n

Pentru a sc\u0103pa de anxietatea premerg\u0103toare unei tranzac\u021bii imobiliare, dar \u0219i pentru a ie\u0219i c\u00e2t mai ieftin la final, \u00ee\u021bi \u201cv\u00e2nd\u201d c\u00e2teva ponturi, \u00een paragrafele de mai jos. Din experien\u021ba mea, iat\u0103 pa\u0219ii necesari \u00een tranzi\u021bia de la statutul de chiria\u0219 la cel de proprietar:<\/strong><\/p>\n\n\n\n

1. Asigur\u0103-te c\u0103 angajatorul t\u0103u este o firm\u0103 de \u00eencredere pe pia\u021b\u0103, pentru a nu primi ulterior refuzuri de la b\u0103nci. \u00cen caz contrar, schimb\u0103-\u021bi locul de munc\u0103, m\u0103car cu c\u00e2teva luni \u00eenainte de a \u00eencepe v\u00e2n\u0103toarea imobiliar\u0103. Totodat\u0103, f\u0103 tot ce \u021bine de tine s\u0103 ob\u021bii o m\u0103rire de salariu pentru a putea economisi lunar cel pu\u021bin 1.000 de lei<\/strong>. \u00cen acest fel, c\u00e2nd vei face dosarul pentru credit, nu vei sim\u021bi c\u0103 \u00ee\u021bi fuge p\u0103m\u00e2ntul de sub picioare.<\/p>\n\n\n\n

2. \u00cencepe s\u0103 faci vizite pe la b\u0103nci, f\u0103 simul\u0103ri legate de suma maxim\u0103 pe care o po\u021bi primi \u00een func\u021bie de salariu \u0219i alte datorii. \u00ce\u021bi vei face o idee la ce fel de locuin\u021be te po\u021bi \u00eencadra (zon\u0103, vechimea imobilului, costuri). Niciodat\u0103 nu te g\u00e2ndi s\u0103 accesezi pragul maxim, nu te supra\u00eendatora, vei regreta mai t\u00e2rziu!<\/strong> Dac\u0103 te-ai hot\u0103r\u00e2t c\u0103 \u00ee\u021bi dore\u0219ti o cas\u0103 nou\u0103, \u00eencepe s\u0103 cercetezi pia\u021ba \u0219i mergi pe la t\u00e2rgurile de profil pentru a afla care sunt proiectele \u00een derulare. Eu, spre exemplu, pentru c\u0103 am rezervat un apartament \u00eenc\u0103 \u00een stadiul incipient al lucr\u0103rii, am economisit aproximativ 14.000 de euro. E drept, trebuie s\u0103 te asiguri c\u0103 este vorba  despre un dezvoltator serios.<\/p>\n\n\n\n

3. Cu doi-trei ani \u00eenainte de a face tranzac\u021bia, mut\u0103-te \u00eentr-o garsonier\u0103 c\u00e2t se poate de mic\u0103, din care s\u0103 vrei s\u0103 scapi c\u00e2t mai repede. Te va ajuta s\u0103 faci mai hot\u0103r\u00e2t pasul spre casa visurilor tale. Altfel, dac\u0103 e\u0219ti chiria\u0219 \u00eentr-un loc \u00een care te sim\u021bi confortabil, nu vei avea nicio motiva\u021bie s\u0103 \u00ee\u021bi cumperi propria locuin\u021b\u0103.<\/p>\n\n\n\n

4. Petrece c\u00e2t mai mult timp cu prieteni, colegi, cuno\u0219tin\u021be care te sus\u021bin \u00een acest demers \u0219i care au trecut prin aceast\u0103 experien\u021b\u0103. \u00cenva\u021b\u0103 de la ei, fii deschis, fii atent la ce spun. Nu ai timp \u0219i bani s\u0103 repe\u021bi gre\u0219elile lor!<\/p>\n\n\n\n

5. Fii practic \u0219i realist! Chiar dac\u0103 \u021bi-ai dori un apartament de lux \u00een centrul ora\u0219ului, g\u00e2nde\u0219te pragmatic. De ce s\u0103 dai 120.000 de euro pe un apartament \u00een buricul t\u00e2rgului c\u00e2nd po\u021bi s\u0103 iei unul la jum\u0103tate de pre\u021b \u00eentr-un cartier mai accesibil? Important e s\u0103 ai \u00een zon\u0103 magazine, mijloace de transport \u00een comun \u0219i utilit\u0103\u021bi.<\/strong> Dup\u0103 mai multe vizite imobiliare, vei sim\u021bi care este locul t\u0103u. La propriu. <\/p>\n\n\n\n

6. Odat\u0103 ce ai rezervat apartamentul sau casa, \u00eencepe marea alerg\u0103tur\u0103 la banc\u0103 \u0219i notar. Dac\u0103 ur\u0103\u0219ti birocra\u021bia \u0219i nici nu po\u021bi s\u0103 lipse\u0219ti de la job, te-a\u0219 sf\u0103tui s\u0103 accep\u021bi ajutorul un broker de credite. Eu am g\u0103sit o persoan\u0103 care lucra direct cu dezvoltatorul imobiliar \u0219i pe care o pl\u0103tea banca. Prin urmare, mi-a u\u0219urat mult din stres pentru c\u0103 \u0219tia exact procedurile \u0219i nici nu am scos un ban din buget. <\/p>\n\n\n\n

7. Nu trage speran\u021be c\u0103 blocurile noi sunt finalizate \u00een termenul anun\u021bat \u00een precontract. La mine a coincis \u0219i cu pandemia, a\u0219a c\u0103 termenul a fost devansat cu vreo nou\u0103 luni. Nu dispera, \u00eens\u0103. Dac\u0103 e firm\u0103 serioas\u0103, \u00een cele din urm\u0103 te vei muta. \u0218i, ca s\u0103 scute\u0219ti vreo dou\u0103 luni de chirie, o po\u021bi face chiar dinainte de a semna la notar \u0219i de a accesa creditul. Trebuie s\u0103 te asiguri c\u0103 \u00eenchei un proces-verbal cu dezvoltatorul \u0219i c\u0103 s-a retu\u0219at tot ce era de retu\u0219at \u00een locuin\u021b\u0103. Important e s\u0103 notezi consumul de ap\u0103, energie electric\u0103 \u0219i gaze. Tu ar trebui s\u0103 \u00eencepi de la zero…  \u0218i, aten\u021bie mare! Dac\u0103 se stric\u0103 ceva \u00een cas\u0103 \u00een primii doi-trei ani, trebuie s\u0103 \u0219tii c\u0103 dezvoltatorul e obligat prin garan\u021bie s\u0103 \u00ee\u021bi repare. GRATIS!<\/p>\n\n\n\n

8. C\u00e2nd \u0219tii cu certitudine c\u0103 te apropii de mutat, g\u00e2nde\u0219te-te la achizi\u021bia mobilei de buc\u0103t\u0103rie \u0219i a aparatelor electrocasnice. Poate nimere\u0219ti o perioad\u0103 de reduceri \u0219i va conta fiecare leu pe care \u00eel economise\u0219ti. Pentru aceasta f\u0103-\u021bi o list\u0103 din timp cu pre\u021burile de pe pia\u021b\u0103 \u0219i urm\u0103re\u0219te evolu\u021bia lor cu vreo dou\u0103 luni \u00eenainte<\/strong>. Eu mobila am f\u0103cut-o la comand\u0103 \u0219i m-am cam p\u0103c\u0103lit la pre\u021b, a\u0219 fi ie\u0219it mai ieftin dac\u0103 o luam din magazin, dar nu mi-am ascultat prietenii.<\/p>\n\n\n\n

9. Creditul ar fi<\/strong> bine s\u0103 \u00eel accesezi pe o perioad\u0103 c\u00e2t mai mic\u0103 \u2013 15 ani, <\/strong>dac\u0103 este posibil. Chiar dac\u0103 e rata pu\u021bin mai mare, veniturile lunare oricum se duc pe tot felul de prostii. Calculeaz\u0103 \u00een a\u0219a fel \u00eenc\u00e2t s\u0103 \u00ee\u021bi r\u0103m\u00e2n\u0103 bani \u0219i de vacan\u021be sau ie\u0219iri, dar nici s\u0103 te \u00eentinzi prea mult \u00een timp cu datoria \u0219i s\u0103 resim\u021bi totul ca pe o corvoad\u0103.<\/p>\n\n\n\n

10. Odat\u0103 mutat \u00een noua cas\u0103, implic\u0103-\u021bi rudele \u0219i prietenii la rezolvarea unor chestiuni practice. Va fi un bun prilej s\u0103 petrece\u021bi timp \u00eempreun\u0103, dar \u0219i s\u0103 faci mici economii. \u00cen plus, nu te zg\u00e2rci c\u00e2nd \u00ee\u021bi decorezi  locuin\u021ba, dar nici nu alege cele mai scumpe obiecte. Important e s\u0103 sim\u021bi c\u0103 te reprezint\u0103 \u0219i c\u0103 \u00ee\u021bi ofer\u0103 o lini\u0219te nemai\u00eent\u00e2lnit\u0103.<\/p>\n\n\n\n

Dac\u0103 ai r\u0103bdare \u0219i curaj, \u00ee\u021bi garantez c\u0103 eforturile  \u00ee\u021bi vor fi r\u0103spl\u0103tite! Fericirea de a te sim\u021bi \u00een sf\u00e2r\u0219it \u201cacas\u0103\u201d e un sentiment unic.<\/p>","protected":false},"excerpt":{"rendered":"

Te sperie g\u00e2ndul unui credit imobiliar pentru aproape toat\u0103 via\u021ba? E\u0219ti chiria\u0219 convins \u0219i \u021bi se pare mult mai convenabil s\u0103 nu te legi la cap cu o locuin\u021b\u0103 \u00een care s\u0103 investe\u0219ti zeci de ani? Te \u00een\u021beleg perfect, am fost \u0219i eu \u00een situa\u021bia aceasta, dar ceea ce \u00ee\u021bi […]<\/p>\n","protected":false},"author":1,"featured_media":6678,"comment_status":"closed","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,"wpzoom_is_breaking":1,"source_url":"","_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":[17],"tags":[3125,3124,3127,3122,3121,3126,3123],"class_list":["post-12645","post","type-post","status-publish","format-standard","has-post-thumbnail","category-economic","tag-casa","tag-chirias","tag-credit","tag-fericire","tag-imobiliara","tag-locuinta-2","tag-pasi"],"jetpack_publicize_connections":[],"jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/paH2fj-3hX","jetpack_featured_media_url":"https:\/\/i0.wp.com\/businessexpress.ro\/wp-content\/uploads\/2019\/04\/blocuri-brasov.jpg?fit=800%2C600&ssl=1","_links":{"self":[{"href":"https:\/\/businessexpress.ro\/ro\/wp-json\/wp\/v2\/posts\/12645","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/businessexpress.ro\/ro\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/businessexpress.ro\/ro\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/businessexpress.ro\/ro\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/businessexpress.ro\/ro\/wp-json\/wp\/v2\/comments?post=12645"}],"version-history":[{"count":2,"href":"https:\/\/businessexpress.ro\/ro\/wp-json\/wp\/v2\/posts\/12645\/revisions"}],"predecessor-version":[{"id":12652,"href":"https:\/\/businessexpress.ro\/ro\/wp-json\/wp\/v2\/posts\/12645\/revisions\/12652"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/businessexpress.ro\/ro\/wp-json\/wp\/v2\/media\/6678"}],"wp:attachment":[{"href":"https:\/\/businessexpress.ro\/ro\/wp-json\/wp\/v2\/media?parent=12645"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/businessexpress.ro\/ro\/wp-json\/wp\/v2\/categories?post=12645"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/businessexpress.ro\/ro\/wp-json\/wp\/v2\/tags?post=12645"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}