Cumpărăm o locuinţă sau stăm în chirie?

- Achizitia unei locuinte reprezinta atat o decizie financiara, cat si una emotionala. Daca din punct de vedere financiar putem face calcule prin care sa ajungem la o concluzie rationala, decizia bazata pe emotii nu poate fi cuantificata si tocmai din acest motiv, nu o voi lua in considerare

- Calculele arata clar ca, in acest moment, este mai bine sa inchiriezi decat sa cumperi o locuinta, desi preturile au scazut - este concluzia la care a ajuns Cristian Orgonas, explicând-o pe blogul sau.

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A. Cat te costa sa cumperi o locuinta in acest moment

Pornim de la urmatoarele premise:

costul locuintei: 80.000 eur, aportul propriu este de 25% din valoarea locuintei, deci 20.000 eur, iar pentru acoperirea diferentei luam un credit in valoare de 60.000 euro la o dobanda anuala efectiva de 9% (desi in acest moment media pietei este de peste 10%). Sa calculam acum costurile initiale, cele dupa 5 ani si cele dupa 10 ani:

1. Costurile initiale

Avans 25% = 20.000 eur; comision de acordare 2% din valoarea creditului = 1200 eur; comisionul agentiei imobiliare 2% din pretul final = 1600 eur; notar 2% din pretul final = 1600 eur, in total 24.400 eur.

Aceasta este suma minima fara de care nu putem face nimic. Procentele mentionate sunt cele minime, fiind probabil ca acestea sa fie in realitate mai mari.

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2. Costurile dupa 5 si 10 ani

a. Costurile creditului: creditul de 60.000 de euro presupune plata unei rate de 503 eur/luna. In 5 ani platim 30.180 eur din care 4.038 eur principalul si 26.142 eur dobanda. In 10 ani, platim 60.360 eur din care 10.357 eur principalul si 50.000 eur dobanda.

b. Randamentul avansului: cei 24.400 euro pe care i-am “pus jos” cand am cumparat locuinta ar fi putut fi investiti. Am demonstrat aici ca se pot obtine randamente anuale semnificative, insa in cazul de fata, voi lua in considerare un randamant anual minim de 5% (varianta pesimista) si 10% in varianta optimista.

Daca am fi investit cei 24.400 euro, am fi obtinut in primii 5 ani un profit de 6700 eur in varianta pesimista si 15.000 eur in varianta optimista, ceea ce inseamna intre 111 si 250 euro pe luna, sa luam o medie de 180.

In 10 ani am fi obtinut un profit de 15.000 eur in varianta pesimista si 39.000 in varinta optimista, sau intre 125 si 325 euro pe luna, media este de 225. Pentru cumparator, acesti bani reprezinta o pierdere pentru ca si-a imobilizat capitalul prin cumpararea locuintei.

c.  Alte cheltuieli: ca proprietar, ai cheltuieli pe care un chirias nu le are.

Platesti un impozit de 0.1-0.2% din valoarea locuintei, respectiv ~600 eur in primii 5 ani (ridicol de mic in acest moment, dar va creste in anii viitori) si minim 1500 eur in 10 ani, sume calculate luand in considerare o rata de crestere a impozitului de 10% pe an.

In plus, asigurarea locuintei, plata reparatiilor (in orice casa se strica ceva) si alte cheltuieli, vor scoate proprietarului din buzunar minim 500 de eur pe an, 2500 eur in 5 ani sau 5000 in 10 ani.

Toate aceste cheltuieli inseamna in medie 50 de euro pe luna in primii 5 ani, sau 55 euro/luna in primii 10 ani.

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Cunosc persoane care s-au imprumutat pana peste cap doar pentru a isi cumpara o locuinta, iar acum traiesc de la un salariu la altul.

Daca nu ai cel putin o rezerva de bani echivalenta cu 5-6 rate plus o suma aditionala din care sa traiesti macar 3-4 luni daca ramai fara serviciu, esti fiul ploii. Nu incercati sa va luati o locuinta cu orice pret, pentru ca asta va va putea costa extrem de scump.

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3 Comentarii

  1. alin

    Romanilor le place sa fie propietari dar fara prea multe responsabilitati legate de acest lucru. Sunt persoane care cred ca daca au un venit lunar pe familie de 1300 euro cred ca ”potenti” pt o casa/apartament. Eu zic ca este riscant in tara in care traim sa facem investitii pe termene foarte lungi. Eu sunt de parere ca viata in chirie este mai ieftina chiar daca nu este agreata si reglementata la noi

  2. Economist

    Sunt argumente pro si contra, atat a locuintei in rate cat si a chiriei… un lucru e sigur: daca nu ai disponibili platesti la cei care au: banca sau proprietarul de locuinta… cuiva ii aduci profituri grosolane… asta este si tot mai multi sunt nevoiti sa traiasca asa… in chirie e nesiguranta pe termen lung, poate in cativa ani te muti de 5 ori sau mai mult, in locuinta din credit ai stresul cu datoria… iti platesti rata da nu mai ai bani de paine… deci cel mai bine sa ai al tau… daca poti.

  3. Andrei

    Viata in chirie este mai riscanta. Dupa 20 de ani de stat in chirie esti tot in fundul gol. Nu e mare pasul de la stat in chirie la bagabont in strada daca ti se intampla ceva si nu mai poti sa muncesti. Eu zic ca daca poti sa-ti iei apartament ia-ti.. si nu trebuie sa-ti iei de 80 de mii.. sunt si cu 40mii cu 2 camere.. micutze cei drept si nu chiar in centru. Da’ e o varianta buna decat statul in chirie. Cine vrea sa stea in centru in chirie.. ok.. do your thing

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