Creditarea si piata imobiliara in 2019 #finzoom

28 Ianuarie 2019 • Imobiliare
Creditarea si piata imobiliara in 2019 #finzoom

Anul 2019 aduce cateva modificari importante pentru consumatorii de credite. Creditele imobiliare, credite de consum, precum si Prima Casa sunt vizate de modificari in acest an.

Iata ce noutati aduce 2019 in creditare:  Grad de indatorare, scazut 

Incepand cu 2019, gradul de indatorare la credite nu poate depasi 40% pentru toate tipurile de credite in lei (45% in cazul creditelor pentru prima locuinta) si 20% pentru toate tipurile de credite in valuta, procent calculat din venitul net. 

Cu toate acestea, exista si exceptii de la aceste grade de indatorare. Aceste exceptii se aplica in cazul creditelor contractate in scopul achizitionarii primei locuinte, refinantarilor, precum si bancilor / IFN-urilor care pot depasi nivelul maxim al gradului total de indatorare, in limita a maximum 15% din volumul creditelor acordate in trimestrul anterior.


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