Esti in cautarea unei locuinte, dar preturile te-au cam tinut departe de ele pana acum. Ei bine, transforma acest “dezavantaj”, intr-un avantaj.
Ziare.com iti explica, in cadrul rubricii Banii tai, de ce sa nu te grabesti sa iei o locuinta acum.
Daca ai un apartament de vanzare, profita de scumpiri si vinde-l, apoi asteapta sa cada piata, avand in vedere ca a crescut foarte mult in ultimii 5 ani, inevitabilul se va produce.
Nu te grabi sa cumperi un apartament acum pentru ca-l vei plati, cu credit, mult mai scump.
Mai mult, este foarte posibil sa nu iti permiti rata pe viitor, cand bancile vor inaspri conditiile de creditare, iar dobanzile tale vor creste. Asa vei ajunge sa-ti irosesti si banii de avans si sa intri si pe lista neagra a bancilor.
In schimb, cauta locuinta, observa cum evolueaza preturile, si apoi ia o decizia intr-o cunostinta de cauza cat mai mare. Nu este nici o rusine sa mai stai un an in chirie. Este o munca grea cu mutatul dar vei fi protejat de momentul in care piata imobiliara se va destabiliza.
Mai mult, daca apartamentul pe care-l vrei acum costa 80.000 de euro, iar tu ai doar 20.000 de euro avans, sa spunem, asta inseamna ca ai avansul de 25%. Daca pretul apartamentului va scadea la 60.000 de euro, atunci avansul tau va valora 33%. Ceea ce inseamna un credit mult mai mic luat din banca si, implicit, o rata mai mica.
CEC Bank te incurajeaza sa fii responsabil cu banii tai.
CITESTE SI:
Cu ce avantaje si dezavantaje vin cardurile de credit in 24 de rate fara dobanda
Cu cati bani contribui la stat, intr-o viata, muncind pentru tine
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