Finante-Banci
Rata la banca a ajuns mai avantajoasa decat chiria
Rata la un credit in lei contractat prin programul guvernamental "Prima Casa" a ajuns sa fie mai mica decat chiria platita lunar la un apartament cu doua sau cu trei camere. La finalul perioadei de creditare, cel care a platit ratele ramane proprietarul imobilului.
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In plus, rata fiind in lei, iar chiria in euro, cel care s-a imprumutat la banca este protejat fata de riscul valutar. Singurul sacrificiu il presupune avansul minim de 5% cerut de institutia de credit, care este mai mare decat cel cerut de proprietarul care inchiriaza locuinta.
Chiria medie pentru un apartament cu doua camere din Bucuresti era la sfarsitul lunii septembrie de 315 euro (echivalentul a 1.405 lei), in timp ce pretul de cumparare a unui imobil din aceasta categorie se ridica la 53.000 de euro (236.000 de lei), informeaza Adevarul.
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