CONDITII de FINANTARE
Clientii nostri pot achizitiona imobile,terenuri si cu bani inprumutati de la Banci pe o perioada mai lunga intre 30 ani dar trebuie dovedit catre Banca,ca acesti bani se pot inapoia Banci si trebuie dovedit ca aveti un loc de munca stabil si bine platit.Se mai pot achizitiona imobile, terenuri si prin platirea direct cu CASH care este un avantaj al cumparatorului ca poate negocia mai bine cu vanzatorul pentru stabilirea pretului de vanzare. Un numar de 30% din apartamentele si casele vandute pana acum s-au vandut catre clientii care au beneficiat de credit bancar prin programul Prima Casa.
De aceea va punem la dispozitie informatii cu caracter general despre acest program cu mentiunea ca informatiile exacte vi le poate furniza doar banca cu care decideti sa lucrati.Din experienta stim ca diferentele dintre conditiile impuse de diverse banci sunt minore si se refera mai ales la tipul veniturilor luate in considerare si eventuale acte suplimentare pe care unele dintre banci vi le pot solicita.In principiu conditiile pe care persoanele fizice trebuie sa le indeplineasca pentru a beneficia de acest program sunt:
-Sa nu detina in proprietate o locuinta, individual sau in comun, impreuna cu sotii lor sau cu alte persoane si sa nu aiba in derulare un credit ipotecar. Pentru aceasta este necesara o declaratie pe propria raspundere, autentificata la notar, potrivit careia solicitantul nu detine in proprietate o locuinta, nici individual, nici in comun, cu sotul/sotia sau alte persoane si nu are in derulare un credit ipotecar.
-Sa dispuna de un avans de 5% din pretul de achizitie al locuintei, daca pretul acesteia este mai mic sau egal cu 60.000 de euro.
-Persoanele care doresc sa intre in acest program se obliga sa nu instraineze locuinta achizitionata in primii 5 ani de la data dobandirii si, de asemenea, se obliga sa constituie in favoarea statului roman, reprezentat de Ministerul Finantelor, o ipoteca de rang I asupra locuintei achizitionate.
-Persoanele sau familiile care indeplinesc conditiile impuse de finantator
-Persoanele care achizitioneaza in cadrul acestui program o locuinta finalizata aflata pe teritoriul Romaniei, inscrisa in cartea funciara si libera de sarcini.
-Programul Prima Casa 2 poate fi utilizat pentru achizitionarea unei case in cartiere noi - zona metropolitana Timisoara in doua variante:
-Casa deja gata in cadrul cartierului
-Casa "la rosu", aflata inca in constructie
-Aveti posibilitatea sa contractati o casa noua, din faza de proiect.Cei care vor sa isi construiasca o locuinta in regie proprie nu se vor incadra in acest program, legea nu va finanta decat locuintele care au la baza un contract semnat cu o firma de constructii.
-Persoanele care indeplinesc toate conditiile impuse de programul PRIMA CASA 2 pot obtine un credit de maximum 60.000 de euro sau echivalentul in lei, in cazul locuintelor vechi, si 75.000 de euro pentru locuintele noi.
Actele de care aveti nevoie la banca sunt:
-Cerere de credit completata si semnata de catre toti participantii cu venituri
-Documente de identitate (carte de identitate, buletin)
-Certificat de casatorie - daca este cazul , in original si copie-Carte de munca - in copie, pe care sa scrie "Conform cu originalul”
-Adeverinta de venit de la compania angajatoare pe baza formularului pus la dispozitie de banca (in original) - emisa cu maxim 30 zile calendaristice inaintea depunerii dosarului
-Documente referitoare la obiectul creditului (acte de proprietate, carte funciara, actele de identitate ale actualilor proprietari ai imobilului care urmeaza sa fie achizitionat - copii)
-Documente de justificative pentru aportul propriu
-Raport de evaluare a imobilului adus in garantie, intocmit de un evaluator agreat de catre banca
-Cumparatorii trebuie sa stie ca in plus, cheltuielile suplimentare aferente creditului sunt: taxe notariale, onorariu, TVA.
-Pentru o casa vanduta la stadiul de gri, cu pretul de 81.000 EUR, avand suprafata utila de 120 mp, suprafata construita de 154 mp si teren in suprafata de 612 mp, taxele notariale, suportate de cumparator, respectiv onorariul notarial a fost de 970 EUR si taxa pentru serviciul de publicitate imobiliara, a fost de 15 EUR.
FINANCING CONDITIONS
Terms of Financing
Terms of Financing
Our clients can buy property, land and money from banks a longer period between 30 years but must be proved by the Bank that the money can be refunded Banks and proved that you have a stable job and good pay.Se can acquire property, lands and by paying directly with cash is an asset that the buyer can negotiate better with the seller to determine the selling price. A total of 30% of apartments and houses have been sold so far sold to customers who have received a bank loan through the First House.
That's why we provide general information about the program, mentioning that you can provide accurate information only bank you decide if you ghet the lon.From experience we know that the differences between the conditions imposed by various banks are minor and mainly refers to the type income taken into consideration any additional documents that some banks ask for.In principle conditions which individuals must meet to qualify for this program are:
-Do not own a house owned individually or jointly with their husbands or others and may not be carrying out a mortgage. This requires a solemn declaration on authenticated by a notary, according to which the applicant has not owned a home, either individually or jointly with your spouse or someone else is carrying out a mortgage.
-Have a deposit of 5% of the purchase price of the house, if its price is less than or equal to 60,000 euros.
-People who wish to enter this program undertakes not to sell home purchased within 5 years from the date of acquisition and also commits to is in favor of the Romanian state, represented by the Ministry of Finance, a first rank mortgage on the house purchased.
-Individuals or families who meet the conditions imposed by the financier
-People who purchased through this program completed a home located in Romania, registered in the land, free of charges.
The first House-2 may be used to purchase a house in new neighborhoods -area in two ways:
-Ready house in the neighborhood
-House "in red", which is still under construction
-You have the possibility to contract a new house proiect.If same one phase that will build their own dwelling in the directing will not fit into the program, the law will not only finance homes that have signed an agreement with a company Construction.
-People who meet all conditions imposed by the HOUSE 2 HOME program can get a credit of up to 60,000 euros or the equivalent in lei, where old buildings, and 75,000 euros for new homes.
The documents that you want bank are:
Credit-Application completed and signed by all participants with incomes -Identity documents (ID card, ID)
-Marriage certificate - if applicable, original and copy-book work - the copy that says, "According to the original
-Income statement from the company employing the format provided by the bank (original) - issued within 30 days prior to submitting the file
-Documents relating to the subject loan (property deeds, Land Registry, identity of the current owners of property to be purchased - children)
-Supporting documents for their contribution
Property-assessment report made under warranty, prepared by an appraiser approved by the bank
-Buyers should be aware that in addition, additional borrowing costs are notary fees, fees and VAT.
-For a house sold at the stage of gray, with a price of 81.000 EUR, with usable area of 120 sqm built surface of 154 sqm and 612 sqm in area, notary fees, incurred by the buyer that was 970 notary fee EUR and real estate advertising service tax was EUR 15.
