{"id":8658,"date":"2019-05-30T13:01:52","date_gmt":"2019-05-30T10:01:52","guid":{"rendered":"https:\/\/businessexpress.ro\/?p=8658"},"modified":"2026-01-03T22:02:18","modified_gmt":"2026-01-03T20:02:18","slug":"noi-schimbari-la-programul-prima-casa-iese-robor-intra-ircc-ce-alte-proiecte-importante-adopta-azi-guvernul","status":"publish","type":"post","link":"https:\/\/businessexpress.ro\/ro\/noi-schimbari-la-programul-prima-casa-iese-robor-intra-ircc-ce-alte-proiecte-importante-adopta-azi-guvernul\/","title":{"rendered":"Noi schimb\u0103ri la Programul Prima Cas\u0103. Iese ROBOR, intr\u0103 IRCC. Ce alte proiecte importante adopt\u0103 azi Guvernul"},"content":{"rendered":"<p class=\"wp-block-paragraph\"> Pe ordinea de zi a \u015fedin\u0163ei de Guvern de ast\u0103zi este \u0219i un proiect de hot\u0103r\u00e2re pentru modificarea costului finan\u0163\u0103rilor la Programul Prima Cas\u0103. Mai exact, Executivul vrea s\u0103 elimine ROBOR \u0219i s\u0103 includ\u0103 noul indice IRCC \u00een calcul: <\/p>\n\n\n\n<figure class=\"wp-block-image\"><img data-recalc-dims=\"1\" decoding=\"async\" width=\"640\" height=\"427\" data-attachment-id=\"6677\" data-permalink=\"https:\/\/businessexpress.ro\/ro\/in-prag-de-recesiune-preturile-locuintelor-din-bucuresti-explodeaza-care-este-situatia-in-marile-orase\/unirii-blocuri\/\" data-orig-file=\"https:\/\/i0.wp.com\/businessexpress.ro\/wp-content\/uploads\/2019\/04\/Unirii-blocuri.jpg?fit=640%2C427&amp;ssl=1\" data-orig-size=\"640,427\" data-comments-opened=\"0\" data-image-title=\"Unirii blocuri\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/businessexpress.ro\/wp-content\/uploads\/2019\/04\/Unirii-blocuri.jpg?fit=640%2C427&amp;ssl=1\" data-src=\"https:\/\/i0.wp.com\/businessexpress.ro\/wp-content\/uploads\/2019\/04\/Unirii-blocuri.jpg?resize=640%2C427&#038;ssl=1\" alt=\"\" class=\"wp-image-6677 lazyload\" data-srcset=\"https:\/\/i0.wp.com\/businessexpress.ro\/wp-content\/uploads\/2019\/04\/Unirii-blocuri.jpg?w=640&amp;ssl=1 640w, https:\/\/i0.wp.com\/businessexpress.ro\/wp-content\/uploads\/2019\/04\/Unirii-blocuri.jpg?resize=300%2C200&amp;ssl=1 300w, https:\/\/i0.wp.com\/businessexpress.ro\/wp-content\/uploads\/2019\/04\/Unirii-blocuri.jpg?resize=165%2C109&amp;ssl=1 165w\" data-sizes=\"(max-width: 640px) 100vw, 640px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 640px; --smush-placeholder-aspect-ratio: 640\/427;\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\u201eCostul total al finan\u0163\u0103rilor acordate \u00een cadrul programului se compune din:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>  rata dob\u00e2nzii stabilite pe baza indicelui de referin\u0163\u0103 pentru  creditele acordate consumatorilor, denumit \u00een continuare IRCC plus o  marj\u0103 de maximum 2% pe an pentru creditele \u00een lei; marja include  \u015fi  nivelul total al comisioanelor percepute de c\u0103tre finan\u0163ator; marja nu  include costul evalu\u0103rii imobilului, costul aferent efectu\u0103rii  formalit\u0103\u0163ilor de publicitate \u015fi comisionul de gestiune  datorat  FNGCIMM, dup\u0103 caz;<\/li><li>comisionul de gestiune datorat FNGCIMM \u015fi recuperat de la beneficiar.  Nivelul comisionului de gestiune \u015fi al comisionului unic de analiz\u0103,  calculat la soldul garan\u0163iei statului, se negociaz\u0103  anual \u00eentre  Ministerul Finan\u0163elor Publice \u015fi FNGCIMM \u015fi se stabile\u015fte prin ordin al  ministrului finan\u0163elor publice\u201d.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"> Totodat\u0103, \u201efinan\u0163atorii au  obliga\u0163ia prevederii exprese \u00een contractele de credit a costurilor cu  dob\u00e2nda exprimat\u0103 \u00een raport cu IRCC \u015fi separat a costurilor cu  comisioanele\u201d.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">IRCC intr\u0103 pe fir \u0219i la cump\u0103rarea de ma\u0219ini noi<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">\u015ei Programul de stimulare a cump\u0103r\u0103rii de autoturisme noi va demara cu noul indice de calcul: \u201eCostul total al  finan\u0163\u0103rilor acordate \u00een cadrul Programului, care este  suportat de  c\u0103tre beneficiar, se compune din rata dob\u00e2nzii stabilite pe baza  indicelui de referin\u0163\u0103 pentru creditele acordate consumatorilor, denumit  \u00een continuare IRCC plus o marj\u0103 de maximum 3%  pe an; marja include \u015fi  nivelul total al comisioanelor percepute de c\u0103tre finan\u0163ator \u015fi  cheltuielile obligatorii legate de finan\u0163are, \u00een toate etapele  finan\u0163\u0103rii; marja nu include costul  asigur\u0103rii, costul aferent  efectu\u0103rii formalit\u0103\u0163ilor de publicitate, prima de garantare,  penalit\u0103\u0163ile percepute conform contractului de finan\u0163are. (&#8230;) Rata  dob\u00e2nzii IRCC, plus o marj\u0103 de maximum  3% pe an; marja include \u015fi  nivelul total al comisioanelor percepute de c\u0103tre finan\u0163ator \u015fi  cheltuielile obligatorii legate de finan\u0163are, \u00een toate etapele  finan\u0163\u0103rii; marja nu include costul  asigur\u0103rii, costul aferent  efectu\u0103rii formalit\u0103\u0163ilor de publicitate, prima de garantare,  penalit\u0103\u0163ile percepute conform contractului de finan\u0163are\u201d, se arat\u0103 \u00een proiectul de hot\u0103r\u00e2re de pe ordinea de  zi a Executivului. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>","protected":false},"excerpt":{"rendered":"<p>Pe ordinea de zi a \u015fedin\u0163ei de Guvern de ast\u0103zi este \u0219i un proiect de hot\u0103r\u00e2re pentru modificarea costului finan\u0163\u0103rilor la Programul Prima Cas\u0103. Mai exact, Executivul vrea s\u0103 elimine ROBOR \u0219i s\u0103 includ\u0103 noul indice IRCC \u00een calcul: \u201eCostul total al finan\u0163\u0103rilor acordate \u00een cadrul programului se compune din: [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":6677,"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":[9,17],"tags":[1282,1287,1284,1285,1283,1281,1286,1025,342,1280],"class_list":["post-8658","post","type-post","status-publish","format-standard","has-post-thumbnail","category-actual","category-economic","tag-adopta","tag-autoturisme","tag-calcul","tag-finantare","tag-guvernul","tag-ircc","tag-masina","tag-prima-casa","tag-robor","tag-schimbari"],"jetpack_publicize_connections":[],"jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/paH2fj-2fE","jetpack_featured_media_url":"https:\/\/i0.wp.com\/businessexpress.ro\/wp-content\/uploads\/2019\/04\/Unirii-blocuri.jpg?fit=640%2C427&ssl=1","_links":{"self":[{"href":"https:\/\/businessexpress.ro\/ro\/wp-json\/wp\/v2\/posts\/8658","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=8658"}],"version-history":[{"count":1,"href":"https:\/\/businessexpress.ro\/ro\/wp-json\/wp\/v2\/posts\/8658\/revisions"}],"predecessor-version":[{"id":8659,"href":"https:\/\/businessexpress.ro\/ro\/wp-json\/wp\/v2\/posts\/8658\/revisions\/8659"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/businessexpress.ro\/ro\/wp-json\/wp\/v2\/media\/6677"}],"wp:attachment":[{"href":"https:\/\/businessexpress.ro\/ro\/wp-json\/wp\/v2\/media?parent=8658"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/businessexpress.ro\/ro\/wp-json\/wp\/v2\/categories?post=8658"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/businessexpress.ro\/ro\/wp-json\/wp\/v2\/tags?post=8658"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}