{"id":79593,"date":"2025-01-29T10:12:36","date_gmt":"2025-01-29T08:12:36","guid":{"rendered":"https:\/\/financer.ro\/?p=79593"},"modified":"2025-02-03T13:43:59","modified_gmt":"2025-02-03T11:43:59","slug":"prima-casa-vs-noua-casa","status":"publish","type":"post","link":"https:\/\/financer.ro\/credit\/articole\/prima-casa-vs-noua-casa\/","title":{"rendered":"Prima Cas\u0103 vs Noua Cas\u0103"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\" id=\"Prima_Cas_vs_Noua_Cas_Comparaie_detaliat_a_programelor_de_creditare_imobiliar\">Prima Cas\u0103 vs Noua Cas\u0103: Compara\u021bie detaliat\u0103 a programelor de creditare imobiliar\u0103<\/h2>\n\n\n\n<p>Programele Prima Cas\u0103 \u0219i Noua Cas\u0103 reprezint\u0103 ini\u021biative guvernamentale menite s\u0103 faciliteze accesul rom\u00e2nilor la achizi\u021bia unei locuin\u021be. <\/p>\n\n\n\n<p>De\u0219i Noua Cas\u0103 este succesorul programului Prima Cas\u0103, exist\u0103 unele diferen\u021be semnificative \u00eentre cele dou\u0103 credite. <\/p>\n\n\n\n<p>Acesta este \u0219i motivul pentru care ne-am g\u00e2ndit s\u0103 cre\u0103m articolul de fa\u021b\u0103 pe care l-am intitulat Prima Cas\u0103 vs Noua Cas\u0103.<\/p>\n\n\n\n<p>Aici vom analiza \u00een detaliu diferen\u021bele \u0219i asem\u0103n\u0103rile dintre cele dou\u0103 programe guvernamentale.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Condiii_de_eligibilitate\">Condi\u021bii de eligibilitate<\/h2>\n\n\n\n<p>Nu vom prezenta toate condi\u021biile de eligibilitate. Dac\u0103 te intereseaz\u0103 astfel de detalii, po\u021bi vizita paginile dedicate fiec\u0103rui credit \u00een parte: <a href=\"https:\/\/financer.ro\/credit\/articole\/prima-casa\/\">Prima Cas\u0103<\/a> sau <a href=\"https:\/\/financer.ro\/credit\/articole\/programul-noua-casa\/\">Noua Cas\u0103<\/a>.<\/p>\n\n\n\n<p>\u00cen schimb, vom scrie doar principalele condi\u021bii \u0219i, poate mai important, cele mai notabile diferen\u021be \u00eentre cum era aplicat programul Prima Cas\u0103 \u0219i cum func\u021bioneaz\u0103 \u00een prezent Noua Cas\u0103.<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-1 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading\">Prima Cas\u0103<\/h3>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"check\"><li><p>Trebuia s\u0103 fii cet\u0103\u021bean rom\u00e2n, cu v\u00e2rsta de minim 18 ani.<\/p>\n<\/li><li><p>Nu trebuia s\u0103 ai o locuin\u021b\u0103 \u00een proprietate mai mare de 50 mp. <\/p>\n<\/li><li><p>Excep\u021bie: puteai avea o locuin\u021b\u0103 mo\u0219tenit\u0103, indiferent de m\u0103rime.<\/p>\n<\/li><li><p>Dac\u0103 so\u021bul\/so\u021bia beneficiase deja de un credit Prima Cas\u0103, tu nu mai puteai aplica.<\/p>\n<\/li><li><p>Dac\u0103 so\u021bul\/so\u021bia de\u021binea deja o locuin\u021b\u0103 mai mare de 50 mp nu puteai aplica.<\/p>\n<\/li><li><p>Aveai dreptul de a de\u021bine o locuin\u021b\u0103 cu suprafa\u021ba mai mic\u0103 de 50 mp dac\u0103 nu era achizi\u021bionat\u0103 prin Prima Cas\u0103.<\/p>\n<\/li><li><p>Nu puteai aplica pentru program dac\u0103 beneficiasei \u00een trecut de un credit ipotecar sau de un credit Prima Cas\u0103.<\/p>\n<\/li><\/ul><\/div><\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading\">Noua Cas\u0103<\/h3>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"check\"><li><p>Condi\u021biile de cet\u0103\u021benie \u0219i v\u00e2rst\u0103 r\u0103m\u00e2n la fel. <\/p>\n<\/li><li><p>\u00cen continuare po\u021bi avea o singur\u0103 locuin\u021b\u0103 sub 50 mp, dar nu cump\u0103rat\u0103 prin Prima Cas\u0103 sau Noua Cas\u0103.<\/p>\n<\/li><li><p>Nu mai exist\u0103 excep\u021bia privind propriet\u0103\u021bile cu suprafe\u021be mai mari de 50 mp mo\u0219tenite. Chiar dac\u0103 ai mo\u0219tenit o locuin\u021b\u0103 mai mare sau ai cump\u0103rat-o, nu mai e\u0219ti eligibil.<\/p>\n<\/li><li><p>Dac\u0103 partenerul a beneficiat deja de un credit Prima Cas\u0103 sau Noua Cas\u0103, tu po\u021bi aplica pentru Noua Cas\u0103 dar singur \u0219i doar dac\u0103 \u00eendepline\u0219ti condi\u021biile.<\/p>\n<\/li><li><p>Dac\u0103 partenerul are o proprietate mai mare de 50 mp pe numele s\u0103u, tu po\u021bi beneficia de Noua Cas\u0103, dar aplici \u00een nume propriu.<\/p>\n<\/li><\/ul><\/div><\/div>\n<\/div>\n\n\n\n\t\t<div id=\"genericloan_0_form\" class=\"fs-slider fs-slider--tooltip search-hero--bg2\"><h3>Compar\u0103 credite oferite de 17 companii<\/h3><p>G\u0103se\u0219te cel mai ieftin credit cu un singur click<\/p><div class=\"step amount\">    <div class=\"slider_cont step__value\">\n        <span class=\"fl_l_m_15 amount_display\"><\/span>\n    <\/div>\n    <div class=\"step__slider\">\n        <input type=\"range\" data-default-value=\"3000\" data-name=\"param_amount\" \/>\n    <\/div>\n<\/div><div class=\"step stepSubmit\"><a id=\"submitSliders\" href=\"https:\/\/financer.ro\/results?query=1&non_affiliate=true&param_amount=3000&param_period=30\" data-slider-url=\"https:\/\/financer.ro\/results?query=1&non_affiliate=true&param_amount=3000&param_period=30\" data-required=\"results?query=1non_affiliate=true&param_amount=3000&param_period=30&\" class=\"get_results compare button is-primary is-medium is-rounded\">Compar\u0103 ofertele<\/a><\/div>\t\t<\/div><h2 class=\"wp-block-heading\" id=\"Ct_poi_mprumuta_i_ce_avans_trebuie_s_ai\">C\u00e2t po\u021bi \u00eemprumuta \u0219i ce avans trebuie s\u0103 ai?<\/h2>\n\n\n\n<p>Ambele programe ofer\u0103 acelea\u0219i condi\u021bii:<\/p>\n\n\n\n<p><strong>Pentru case p\u00e2n\u0103 la 70.000 euro<\/strong>: Po\u021bi \u00eemprumuta maxim 66.500 euro, iar avansul este de doar 5% indiferent dac\u0103 proprietatea este nou\u0103 sau veche.<\/p>\n\n\n\n<p><strong>Pentru case noi \u00eentre 70.001 \u0219i 140.000 euro<\/strong>: Po\u021bi \u00eemprumuta maxim 119.000 euro, iar avansul cre\u0219te la 15%.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box info\"><div class=\"fn_block__icon\"><\/div><p><strong>Po\u021bi achizi\u021biona \u0219i locuin\u021be mai scumpe<\/strong><\/p>\n<p>Cu toate c\u0103 prima variant\u0103 de Prima Cas\u0103 nu \u00ee\u021bi permitea asta, variantele anterioare func\u021bionau exact ca Noua Cas\u0103 \u0219i anume, pentru locuin\u021be mai scumpe trebuia s\u0103 achi\u021bi ca avans procentul pentru plafonul standard + diferen\u021ba dintre pre\u021bul locuin\u021bei \u0219i plafonul maxim.<\/p>\n<p>Spre exemplu:<\/p>\n<ul>\n<li>Pentru o locuin\u021b\u0103 veche de 80.000 euro, avansul necesar este de 13.500 euro, calculat ca 5% din 70.000 euro (deci 3.500 euro) plus diferen\u021ba dintre valoarea locuin\u021bei \u0219i plafonul maxim (deci 80.000 euro \u2013 70.000 euro = 10.000 euro).<\/li>\n<li>Pentru o locuin\u021b\u0103 nou\u0103 de 160.000 euro, avansul necesar este de 41.000 euro, calculat ca 15% din 140.000 euro (deci 21.000 euro) plus diferen\u021ba dintre valoarea locuin\u021bei \u0219i plafonul maxim (deci 160.000 euro \u2013 140.000 euro = 20.000 euro).<\/li>\n<\/ul><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Costurile_creditelor\">Costurile creditelor<\/h2>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-2 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading\">Prima Cas\u0103<\/h3>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"check\"><li><p><strong>Dob\u00e2nd\u0103<\/strong>: IRCC + maxim 2%.<\/p>\n<\/li><li><p><strong>Comision de garantare<\/strong>: 0.40% pe an. <\/p>\n<\/li><li><p><strong>Comision de analiz\u0103<\/strong>: maxim 0.15% pe an.<\/p>\n<\/li><li><p><strong>Depozit colateral<\/strong>: echivalentul a trei rate lunare.<\/p>\n<\/li><\/ul><\/div><\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading\">Noua Cas\u0103<\/h3>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"check\"><li><p><strong>Dob\u00e2nda r\u0103m\u00e2ne la fel<\/strong>: IRCC + maxim 2%<\/p>\n<\/li><li><p><strong>Comisionul de garantare<\/strong> scade la 0.15% pe an<\/p>\n<\/li><li><p><strong>F\u0103r\u0103 alte comisioane<\/strong>: Nu se mai pot ad\u0103uga comisioane de analiz\u0103 dosar, administrare cont sau altele asem\u0103n\u0103toare.<\/p>\n<\/li><li><p><strong>Se p\u0103streaz\u0103 valoare colateral\u0103<\/strong> egal\u0103 cu trei rate lunare<\/p>\n<\/li><\/ul><\/div><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Ce_fel_de_proprietate_poi_cumpra\">Ce fel de proprietate po\u021bi cump\u0103ra<\/h2>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-3 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading\">Prima Cas\u0103<\/h3>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"check\"><li><p><strong>Proiecte \u00een faza de construc\u021bie<\/strong>. Ini\u021bial, puteai s\u0103 achizi\u021bionezi \u0219i propriet\u0103\u021bi care erau \u00een faz\u0103 de construc\u021bie.<\/p>\n<\/li><li><p><strong>Proiecte dezvoltate individual<\/strong>. Puteai chiar s\u0103-\u021bi construie\u0219ti singur casa cu banii ob\u021binu\u021bi prin Prima Cas\u0103 prin 2019, dar trebuia s\u0103 fie executat\u0103 lucrarea cu o firm\u0103 de construc\u021bii autorizat\u0103.<\/p>\n<\/li><li><p><strong>Propriet\u0103\u021bi finalizate<\/strong>. Ulterior, de prin 2020, puteai cump\u0103ra doar propriet\u0103\u021bi gata construite.<\/p>\n<\/li><li><p><strong>Nu se \u021binea cont de certificatul energetic<\/strong>. <\/p>\n<\/li><\/ul><\/div><\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading\">Noua Cas\u0103<\/h3>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"check\"><li><p><strong>Propriet\u0103\u021bi finalizate<\/strong>. Po\u021bi cump\u0103ra doar propriet\u0103\u021bi gata construite.<\/p>\n<\/li><li><p><strong>Nu mai po\u021bi construi tu casa<\/strong>.<\/p>\n<\/li><li><p><strong>Nu sunt acceptate locuin\u021bele \u00een lucru<\/strong>. Toate propriet\u0103\u021bile trebuie s\u0103 aib\u0103 recep\u021bia f\u0103cut\u0103.<\/p>\n<\/li><li><p><strong>Suma maxim\u0103 creditabil\u0103 este acordat\u0103 doar locuin\u021belor noi<\/strong>. Ca locuin\u021b\u0103 nou\u0103 \u00een\u021belegem propriet\u0103\u021bi ale c\u0103ror recep\u021bii au fost efectuate cu maxim 5 ani \u00eenainte de aplicare.<\/p>\n<\/li><li><p><strong>Locuin\u021ba trebuie s\u0103 se \u00eencadreze \u00een clasele energetice A, B sau C<\/strong>.<\/p>\n<\/li><\/ul><\/div><\/div>\n<\/div>\n\n\n\n                <div class=\"fn_block block_fn_msg_box cost search-hero--bg2\">\n\t\t\t\t<h3>Cum s\u0103 economise\u0219ti <span class=\"compare-amount\">2.455,00 Lei <\/span> cu un credit<\/h3>\n\t\t\t\t<p>Diferen\u021ba de pre\u021b pentru un credit de 3.000,00 Lei pe 90 zile este de 2.455,00 Lei.<\/p>\n\t\t\t\t<p class=\"has-text-left\"><a href=\"https:\/\/financer.ro\/results\/?query=1&filter_non_affiliate=1&param_amount=3000&param_period=90\" class=\"button is-normal is-primary is-rounded\">Afl\u0103 cum<\/a><\/p>\n                <\/div><h2 class=\"wp-block-heading\" id=\"Cu_cine_poi_lua_creditul\">Cu cine po\u021bi lua creditul<\/h2>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-4 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading\">Prima Cas\u0103<\/h3>\n\n\n\n<p>Puteai aplica cu so\u021bul\/so\u021bia, precum \u0219i cu prieteni, iubit\/iubit\u0103 sau chiar \u0219i cu p\u0103rin\u021bi.<\/p>\n\n\n\n<p>Condi\u021biile pe care trebuiau s\u0103 le respecte erau identice cu cele ale aplicantului, iar dac\u0103 aveau pe numele lor deja o proprietate mai mare de 50 mp sau dac\u0103 au beneficiat \u00een trecut de un credit ipotecar sau Prima Cas\u0103 nu puteau fi trecu\u021bi \u00een contractul de credit.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading\">Noua Cas\u0103<\/h3>\n\n\n\n<p>Po\u021bi aplica doar cu so\u021bul\/so\u021bia dac\u0103 nu au apelat \u00een trecut la unul dintre programele Noua Cas\u0103 sau Prima Cas\u0103 sau dac\u0103 nu de\u021bin o proprietate mai mare de 50 mp. Automat, devin co-semnatari \u0219i co-proprietari al locuin\u021bei.<\/p>\n\n\n\n<p>Dac\u0103 una dintre condi\u021biile de mai sus nu sunt \u00eendeplinite, partenerul de via\u021b\u0103 tot poate fi ad\u0103ugat \u00een contractul de credit, dar doar drept co-pl\u0103titor, tu fiind singurul proprietar al locuin\u021bei.<\/p>\n<\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Restul_condiiilor_privind_Prima_Cas_vs_Noua_Cas_sunt_similare\">Restul condi\u021biilor privind Prima Cas\u0103 vs Noua Cas\u0103 sunt similare<\/h2>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"check\"><li><p><strong>C\u00e2t timp ai s\u0103 pl\u0103te\u0219ti creditul<\/strong>. Perioada de rambursare este \u00eentre 5 \u0219i 30 de ani pentru ambele credite. Tu alegi perioada care \u021bi se potrive\u0219te mai bine.<\/p>\n<\/li><li><p><strong>Trebuie s\u0103 asiguri casa<\/strong>. Pentru ambele programe trebuie s\u0103 faci o asigurare obligatorie \u0219i una privat\u0103 ambele \u00een favoarea b\u0103ncii \u0219i a statului. \u00cen plus, statul pune o ipotec\u0103 pe cas\u0103 p\u00e2n\u0103 pl\u0103te\u0219ti creditul.<\/p>\n<\/li><li><p><strong>Nu po\u021bi vinde casa dup\u0103 ce o cumperi<\/strong>. \u00cen ambele cazuri, trebuie s\u0103 p\u0103strezi casa cel pu\u021bin 5 ani. Dac\u0103 vrei s\u0103 o vinzi mai devreme, ai nevoie de aprob\u0103ri speciale.<\/p>\n<\/li><li><p><strong>Refinan\u021bare \u0219i darea \u00een plat\u0103<\/strong>. Ambele programe au restric\u021bii similare privind refinan\u021barea \u00een primii ani \u0219i nu se supun legii d\u0103rii \u00een plat\u0103.<\/p>\n<\/li><\/ul><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Ce_nseamn_toate_astea_pentru_tine\">Ce \u00eenseamn\u0103 toate astea pentru tine<\/h2>\n\n\n\n<p>Compar\u00e2nd Noua Cas\u0103 vs Prima Cas\u0103, iat\u0103 cum te afecteaz\u0103 direct diferen\u021bele \u00eentre cele dou\u0103 programe:<\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"check\"><li><p><strong>Flexibilitate pentru cupluri c\u0103s\u0103torite<\/strong>: Cu Noua Cas\u0103, dac\u0103 partenerul t\u0103u are deja credit, tu mai ai o \u0219ans\u0103 s\u0103 aplici singur.<\/p>\n<\/li><li><p><strong>Mai pu\u021bine excep\u021bii<\/strong>: Noua Cas\u0103 e mai strict\u0103 cu casele mo\u0219tenite. Dac\u0103 ai mo\u0219tenit o cas\u0103 mare, nu mai fii eligibil.<\/p>\n<\/li><li><p><strong>Costuri pu\u021bin mai mici<\/strong>: Comisionul de garantare e mai mic la Noua Cas\u0103, deci pl\u0103te\u0219ti ceva mai pu\u021bin \u00een timp.<\/p>\n<\/li><li><p><strong>Doar pentru case gata f\u0103cute<\/strong>: Cu Noua Cas\u0103 nu mai po\u021bi construi tu casa de la zero ci trebuie s\u0103 achizi\u021bionezi doar locuin\u021be gata construite, de preferat care s\u0103 fi avut recep\u021bia cu maxim 5 ani \u00eenainte pentru a beneficia de plafonul maxim.<\/p>\n<\/li><li><p><strong>Mai pu\u021bine op\u021biuni de co-aplicare<\/strong>: Po\u021bi aplica doar cu so\u021bul\/so\u021bia, nu cu prieteni, iubi\u021bi sau p\u0103rin\u021bi.<\/p>\n<\/li><\/ul><\/div>\n\n\n<p>Dac\u0103 \u021bi s-a p\u0103rut interesant\u0103 aceast\u0103 analiz\u0103, po\u021bi vedea una similar\u0103 pe care am realizat-o pentru Prima Cas\u0103 vs. credit ipotecar ap\u0103s\u00e2nd butonul de mai jos:<\/p>\n\n\n<div class=\"fn_block block_fn_button  buttons  is-flex is-flex-direction-column is-align-items-center\"><a href=\"https:\/\/financer.ro\/credit\/articole\/credit-ipotecar-sau-prima-casa\/\" class=\"button  is-rounded is-primary is-medium\" target=\"_blank\"  rel=\"nofollow\">Vezi dac\u0103 un credit ipotecar este mai bun dec\u00e2t Prima Cas\u0103<\/a><\/div>","protected":false},"excerpt":{"rendered":"<p>Prima Cas\u0103 vs Noua Cas\u0103: Compara\u021bie detaliat\u0103 a programelor de creditare imobiliar\u0103 Programele Prima Cas\u0103 \u0219i Noua Cas\u0103 reprezint\u0103 ini\u021biative\u2026 <\/p>\n","protected":false},"author":77,"featured_media":79605,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"disable_branded_featured_image":false,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","ep_exclude_from_search":false,"footnotes":""},"categories":[1119],"tags":[],"_links":{"self":[{"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/posts\/79593"}],"collection":[{"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/users\/77"}],"replies":[{"embeddable":true,"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/comments?post=79593"}],"version-history":[{"count":7,"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/posts\/79593\/revisions"}],"predecessor-version":[{"id":79658,"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/posts\/79593\/revisions\/79658"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/media\/79605"}],"wp:attachment":[{"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/media?parent=79593"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/categories?post=79593"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/tags?post=79593"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}