{"id":18851,"date":"2026-09-29T10:00:56","date_gmt":"2026-09-29T07:00:56","guid":{"rendered":"https:\/\/covasna45.ro\/?p=18851"},"modified":"2026-09-29T10:00:56","modified_gmt":"2026-09-29T07:00:56","slug":"fngcimm-si-noua-casa-2026-cum-poti-ajunge-proprietar-cu-un-avans-de-la-5","status":"publish","type":"post","link":"https:\/\/covasna45.ro\/index.php\/lumea-noastra\/fngcimm-si-noua-casa-2026-cum-poti-ajunge-proprietar-cu-un-avans-de-la-5\/","title":{"rendered":"FNGCIMM \u0219i Noua Cas\u0103 2026: cum po\u021bi ajunge proprietar cu un avans de la 5%"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Ce trebuie s\u0103 \u0219tii despre creditul garantat de stat, \u00eenainte s\u0103 \u00eencepi s\u0103 cau\u021bi locuin\u021ba?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Visul unei locuin\u021be proprii nu mai trebuie s\u0103 \u00eenceap\u0103 cu zeci de mii de euro str\u00e2n\u0219i ani la r\u00e2nd. Programul \u201eNoua Cas\u0103\u201d r\u0103m\u00e2ne, \u0219i \u00een 2026, o cale accesibil\u0103 c\u0103tre prima proprietate: statul garanteaz\u0103 o parte din credit, iar tu po\u021bi \u00eencepe cu un avans mult mai mic dec\u00e2t la un credit ipotecar clasic.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Programul are deja o istorie solid\u0103. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Lansat \u00een 2009 sub numele \u201ePrima Cas\u0103\u201d, a acordat circa 335.000 de garan\u021bii \u0219i promisiuni de garantare, \u00een valoare total\u0103 de p\u00e2n\u0103 la 32 miliarde lei iar pentru 2026, Guvernul a aprobat un plafon de garantare de 500 de milioane de lei, a\u0219a c\u0103 programul continu\u0103.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Iat\u0103 6 lucruri pe care merit\u0103 s\u0103 le \u0219tii ca s\u0103 folose\u0219ti programul c\u00e2t mai bine.<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">1. <strong>Avans de la 5%, \u00een func\u021bie de pre\u021bul locuin\u021bei<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Avansul redus este atuul principal al programului, iar nivelul lui depinde de valoarea locuin\u021bei:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>p\u00e2n\u0103 la 70.000 euro: avans minim 5%, credit de p\u00e2n\u0103 la 66.500 euro, garan\u021bie de stat de p\u00e2n\u0103 la 50%;<\/li>\n\n\n\n<li>\u00eentre 70.001 \u0219i 140.000 euro: avans minim 15%, credit de p\u00e2n\u0103 la 119.000 euro, garan\u021bie de stat de p\u00e2n\u0103 la 60%.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">C\u00e2nd \u00ee\u021bi faci bugetul, stabile\u0219te din start \u00een ce categorie de pre\u021b cau\u021bi. Asta \u00ee\u021bi arat\u0103 realist c\u00e2t ai nevoie \u00een cont.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">2. <strong>\u021ai-ai g\u0103sit locuin\u021ba perfect\u0103, dar e mai scump\u0103? Ai op\u021biuni.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Programul nu te oblig\u0103 s\u0103 te opre\u0219ti la plafoane. Po\u021bi lua \u00een calcul \u0219i o locuin\u021b\u0103 care le dep\u0103\u0219e\u0219te, cu condi\u021bia s\u0103 acoperi diferen\u021ba din surse proprii. Banca finan\u021beaz\u0103 cel mult 95% din valoarea imobilului la pre\u021buri de p\u00e2n\u0103 la 70.000 euro \u0219i 85% \u00een intervalul superior.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">3. <strong>Nu e doar pentru tineri, dar se folose\u0219te o singur\u0103 dat\u0103.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Numele \u201eNoua Cas\u0103\u201d poate sugera c\u0103 e doar pentru cei foarte tineri, dar programul nu are criteriu de v\u00e2rst\u0103. Conteaz\u0103 eligibilitatea.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Un detaliu important: facilit\u0103\u021bile programului se pot accesa o singur\u0103 dat\u0103. Cine a folosit deja Prima Cas\u0103 nu mai este eligibil pentru Noua Cas\u0103.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">4. <strong>Locuin\u021bele pe care le ai deja conteaz\u0103.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Po\u021bi accesa programul dac\u0103 nu de\u021bii nicio locuin\u021b\u0103, singur sau \u00eempreun\u0103 cu so\u021bul ori so\u021bia. Este permis \u0219i s\u0103 de\u021bii cel mult o locuin\u021b\u0103 cu suprafa\u021b\u0103 util\u0103 sub 50 mp, dob\u00e2ndit\u0103 \u00een afara programului. Cumperi o singur\u0103 locuin\u021b\u0103, \u00een Rom\u00e2nia, \u0219i ai calitatea de \u00eemprumutat fa\u021b\u0103 de banc\u0103. Situa\u021bia se declar\u0103 pe propria r\u0103spundere, deci verific-o din timp, mai ales dac\u0103 ai p\u0103r\u021bi din locuin\u021be mo\u0219tenite.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">5. <strong>Primul pas se face la banc\u0103, iar restul merge mai repede cu un dosar complet.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Discu\u021bia cu banca este startul concret: aici afli c\u00e2t po\u021bi \u00eemprumuta \u0219i \u00een ce condi\u021bii. Dup\u0103 aprobarea finan\u021b\u0103rii, banca trimite dosarul la FNGCIMM, \u00eempreun\u0103 cu documente precum antecontractul, extrasul de carte funciar\u0103 de cel mult 15 zile \u0219i certificatul energetic.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dosarele se analizeaz\u0103 \u00een ordinea trimiterii. Un dosar invalidat se \u00eentoarce la banc\u0103 \u0219i analiza se reia, deci un dosar corect din prima te scute\u0219te de \u00eent\u00e2rzieri.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">6. <strong>Cunoa\u0219te costurile \u0219i regulile \u00eenainte s\u0103 semnezi.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Avansul mic nu e singurul element de buget. Ia \u00een calcul:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>comisionul FNGCIMM: 0,15% pe an din soldul garantat;<\/li>\n\n\n\n<li>dob\u00e2nda: plafonat\u0103 la IRCC plus o marj\u0103 bancar\u0103 de maximum 2%.<\/li>\n\n\n\n<li>asigurarea \u0219i ipoteca: asigurarea locuin\u021bei este obligatorie, iar imobilul se ipotecheaz\u0103 \u00een favoarea statului \u0219i a b\u0103ncii;<\/li>\n\n\n\n<li>reguli de folosire: locuin\u021ba poate fi folosit\u0103 dac\u0103 vrei s\u0103 \u00eenregistrezi aici sediul social al unei firme. Pentru aceasta ai nevoie de acordul b\u0103ncii \u0219i al Ministerului Finan\u021belor Publice. La fel, pentru modific\u0103ri de compartimentare sau pentru \u00eenchiriere.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Noua Cas\u0103 poate fi cel mai bun punct de pornire pentru cine \u00ee\u0219i dore\u0219te propria cas\u0103, dar nu are \u00eenc\u0103 avansul unui credit clasic.<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Pasul urm\u0103tor: programeaz\u0103 o discu\u021bie cu banca \u0219i consult\u0103 \u0219i ghidul FNGCIMM pentru anul \u00een curs.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Condi\u021biile pot varia \u00een func\u021bie de normele de creditare ale fiec\u0103rei b\u0103nci. Verific\u0103 informa\u021biile actuale la finan\u021batorul ales \u0219i pe site-ul FNGCIMM, <a href=\"https:\/\/fngcimm.ro\/\">AICI.<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Ce trebuie s\u0103 \u0219tii despre creditul garantat de stat, \u00eenainte s\u0103 \u00eencepi s\u0103 cau\u021bi locuin\u021ba? Visul unei locuin\u021be proprii nu mai trebuie s\u0103 \u00eenceap\u0103 cu zeci de mii de euro str\u00e2n\u0219i ani la r\u00e2nd. Programul \u201eNoua Cas\u0103\u201d r\u0103m\u00e2ne, \u0219i \u00een 2026, o cale accesibil\u0103 c\u0103tre prima proprietate: statul garanteaz\u0103 o parte din credit, iar tu [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":14124,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"tdm_status":"","tdm_grid_status":"","footnotes":""},"categories":[14],"tags":[5190,1099,3519,3934,5191],"class_list":["post-18851","post","type-post","status-publish","format-standard","has-post-thumbnail","category-lumea-noastra","tag-casa","tag-finantare","tag-fngcimm","tag-garantie-2","tag-noua-casa"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>FNGCIMM \u0219i Noua Cas\u0103 2026: cum po\u021bi ajunge proprietar cu un avans de la 5% - Covasna45<\/title>\n<meta name=\"description\" content=\"FNGCIMM \u0219i Noua Cas\u0103 2026: cum po\u021bi ajunge proprietar cu un avans de la 5%. 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