{"id":21975,"date":"2014-10-21T11:41:29","date_gmt":"2014-10-21T15:41:29","guid":{"rendered":"http:\/\/www.paginiromanesti.ca\/?p=21975"},"modified":"2014-10-21T11:41:29","modified_gmt":"2014-10-21T15:41:29","slug":"ce-dobanda-poti-sa-mi-dai","status":"publish","type":"post","link":"https:\/\/paginiromanesti.ca\/2014\/10\/21\/ce-dobanda-poti-sa-mi-dai\/","title":{"rendered":"Ce dob\u00e2nd\u0103 po\u0163i s\u0103-mi dai?"},"content":{"rendered":"

\"dobanzi\"<\/a>Aceasta este cel mai des \u00eent\u00e2lnit\u0103 \u00eentrebare pe care un cump\u0103r\u0103tor de case mi-o pune dup\u0103 ce-mi d\u0103 bun\u0103 ziua \u015fi, cel mai probabil, nu m\u0103 \u00eentreab\u0103 numai pe mine, ci \u015fi alte c\u00e2teva b\u0103nci \u015fi curti\u00aderi ipotecari. \u015ei asta dup\u0103 ce, \u00een prealabil, a f\u0103cut turul ofertelor de dob\u00e2nzi de pe internet. Cu cea mai mic\u0103 cifr\u0103 ob\u0163inut\u0103 de la o banc\u0103, continu\u0103 seria de telefoane cu scopul de a i se promite o cifr\u0103 \u00eenc\u0103 \u015fi mai mic\u0103…<\/p>\n

V\u0103 \u00een\u0163eleg, deoarece este normal ca fiecare s\u0103 vrea s\u0103 ob\u0163in\u0103 cel mai bun <deal\u201d. E tipic pentru societatea de consum nord-american\u0103. Se practic\u0103 c\u00e2nd cum\u00adp\u0103r\u0103m orice: televizoare, automobile, ma\u015fini de sp\u0103lat, haine etc, ba chiar neveste sau b\u0103rba\u0163i!<\/p>\n

C\u00e2t de legitim\u0103 este \u00eens\u0103 \u00ad\u00adprospec\u00adtarea \u00een privin\u0163a ipotecilor ?<\/p>\n

Situa\u0163ia este un pic diferit\u0103. C\u00e2nd c\u0103ut\u0103m un televizor se presupune, \u00eenain\u00adte de orice, c\u0103 avem banii respectivi \u00een cont sau o carte de credit cu care s\u0103 pu\u00adtem achita pe loc produsul. \u201cMagazinarea\u201d are deci rostul ei. Noi avem bani, iar fir\u00admele trebuie s\u0103 se bat\u0103 pe banii no\u015ftri, s\u0103 ne fac\u0103 cea mai bun\u0103 ofert\u0103. Dar dac\u0103 nu avem acei bani?<\/p>\n

\u00cen cazul ipotecilor, ofertele b\u0103n\u00adci\u00adlor nu sunt la fel pentru toat\u0103 lumea, pentru simplul motiv c\u0103 nu toat\u0103 lumea e la fel. B\u0103ncile ofer\u0103 \u00eemprumuturi ipo\u00adtecare cu scopul de a face profit. Nu e niciun secret. Exist\u0103 competi\u0163ie \u00eentre b\u0103nci doar pentru clien\u0163ii cei mai buni! Cei care \u00eens\u0103 \u00eentreab\u0103 de dob\u00e2nd\u0103 \u00eenainte de a \u015fti c\u0103 pot fi aproba\u0163i, pun c\u0103ru\u0163a \u00eenaintea cailor!<\/p>\n

Deseori se petrece urm\u0103torul dialog:<\/p>\n

– Bun\u0103 ziua! Care este cea mai bun\u0103 do\u00adb\u00e2nd\u0103 pe care o pute\u0163i da?<\/p>\n

– Bun\u0103 ziua! Cea mai bun\u0103 este 2,99% , fix\u0103, pe 5 ani.<\/p>\n

– Ah, prea mult. Am ob\u0163inut deja de la alt\u0103 banc\u0103 2,98%.<\/p>\n

– \u00cen\u0163eleg. De ce nu merge\u0163i atunci la cealalt\u0103 banc\u0103?<\/p>\n

– P\u0103i nu mi-au aprobat dosarul!<\/p>\n

\u00cen\u0163elege\u0163i fenomenul? E adev\u0103rat c\u0103 banca ar fi putut oferi 2,98%, dar nu acelui client! Exist\u0103 \u015fi programe de \u00eem\u00adprumut care se adreseaz\u0103 diferitelor ti\u00adpuri de clien\u0163i, dar dob\u00e2nzile sunt diferite.<\/p>\n

Mai mult, un cump\u0103r\u0103tor avizat \u015ftie c\u0103 nu dob\u00e2nda e totul, mai ales la un contract pe zeci de ani \u015fi de sute de mii de dolari. Dac\u0103-mi permite\u0163i o compara\u00ad\u0163ie, probabil c\u0103 prefera\u0163i s\u0103 cump\u0103ra\u0163i mai degrab\u0103 \u015func\u0103 de Praga dec\u00e2t salam de var\u0103, calitatea a dou\u0103, cu zg\u00e2rciuri, chiar dac\u0103 pre\u0163ul e dublu.<\/p>\n

La o ipotec\u0103, \u201czg\u00e2rciurile\u201d pot fi, de pild\u0103, modul de calcul al penalit\u0103\u0163ilor la \u00eentreruperea \u00eenainte de termen, modul de rambursare anticipat\u0103, cheltuieli lu\u00adnare impuse, transferabilitate, serviciul de rela\u0163ii cu clien\u0163ii etc. E mai \u201cieftin\u201d, dar nu e \u015func\u0103 de Praga!<\/p>\n

Dac\u0103 nu sunte\u0163i la prima cump\u0103r\u0103\u00adtur\u0103, poate prefera\u0163i s\u0103 lua\u0163i \u201csalamul\u201d de la un magazin anume, pentru c\u0103 \u015fti\u0163i c\u00e2t e proasp\u0103t, nu pentru c\u0103 e cu 1$ mai ieftin. \u015ei, \u00een acela\u015fi timp, probabil c\u0103 nu v\u0103 mai \u00eentoarce\u0163i \u00eentr-un magazin de unde a\u0163i luat un salam expirat, chiar dac\u0103 v\u0103 ofer\u0103 cel mai bun pre\u0163. \u00cencrederea intr\u0103 \u015fi ea la valoarea produsului. La fel e \u015fi la ipoteci: dac\u0103 \u015fti\u0163i persoana care vinde produsul \u015fi ave\u0163i \u00eencredere c\u0103 v\u0103 sf\u0103tuie\u015fte corect, nu risca\u0163i s\u0103 lua\u0163i de la necunoscu\u0163i produse necunoscute, chiar dac\u0103 sun\u0103 foarte tentant.<\/p>\n

Prin urmare, \u00een\u0163elege\u0163i acum c\u0103 nici pro\u00addusele financiare oferite de b\u0103nci nu pot fi identice pentru toat\u0103 lumea. Banca nu este un magazin de dob\u00e2nzi, unde fiecare intr\u0103, vede marf\u0103 \u00een galantar \u015fi zice: \u201cDa\u0163i-mi \u015fi mie dou\u0103 ipoteci, cele mai ieftine, v\u0103 rog, dac\u0103 se poate f\u0103r\u0103 pena\u00adlit\u0103\u0163i \u015fi condi\u0163ii!\u201d<\/p>\n

Dimpotriv\u0103, banc\u0103 este cea care prive\u015fte fiecare client individual, evalu\u00adea\u00adz\u0103 riscul \u015fi aplic\u0103 tratamentul potrivit fiec\u0103ruia.<\/p>\n

Dac\u0103 vecinul a ob\u0163inut 2,99% de la acea banc\u0103, nu e musai c\u0103 \u015fi eu o s\u0103 ob\u0163in la fel. Depinde de dosarul meu \u015fi de al s\u0103u. \u015ei depinde \u015fi de cine a pus diagnosticul \u015fi a oferit tratamentul.<\/p>\n

\u00cen concluzie, care este cea mai bun\u0103 dob\u00e2nd\u0103? Evident, cea care este potrivit\u0103 cu profilul nostru \u015fi oferit\u0103 de c\u0103tre un specialist!<\/p>\n","protected":false},"excerpt":{"rendered":"

Aceasta este cel mai des \u00eent\u00e2lnit\u0103 \u00eentrebare pe care un cump\u0103r\u0103tor de case mi-o pune dup\u0103 ce-mi d\u0103 bun\u0103 ziua \u015fi, cel mai probabil, nu m\u0103 \u00eentreab\u0103 numai pe mine, ci \u015fi alte c\u00e2teva b\u0103nci \u015fi curti\u00aderi ipotecari. \u015ei asta dup\u0103 ce, \u00een prealabil, a f\u0103cut turul ofertelor de dob\u00e2nzi de pe internet. Cu cea […]<\/p>\n","protected":false},"author":80,"featured_media":21976,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","enabled":false}}},"categories":[415],"tags":[],"jetpack_publicize_connections":[],"jetpack_sharing_enabled":true,"jetpack_featured_media_url":"https:\/\/paginiromanesti.ca\/wp-content\/uploads\/2014\/10\/dobanzi.jpg","jetpack_shortlink":"https:\/\/wp.me\/p9PoWe-5Ir","_links":{"self":[{"href":"https:\/\/paginiromanesti.ca\/wp-json\/wp\/v2\/posts\/21975"}],"collection":[{"href":"https:\/\/paginiromanesti.ca\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/paginiromanesti.ca\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/paginiromanesti.ca\/wp-json\/wp\/v2\/users\/80"}],"replies":[{"embeddable":true,"href":"https:\/\/paginiromanesti.ca\/wp-json\/wp\/v2\/comments?post=21975"}],"version-history":[{"count":0,"href":"https:\/\/paginiromanesti.ca\/wp-json\/wp\/v2\/posts\/21975\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/paginiromanesti.ca\/wp-json\/wp\/v2\/media\/21976"}],"wp:attachment":[{"href":"https:\/\/paginiromanesti.ca\/wp-json\/wp\/v2\/media?parent=21975"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/paginiromanesti.ca\/wp-json\/wp\/v2\/categories?post=21975"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/paginiromanesti.ca\/wp-json\/wp\/v2\/tags?post=21975"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}