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Prima Casă te lasă să construieşti cu o firma de constructii

7 August 2009

Poti beneficia prin programul Prima Casa de un credit obtinut in vederea construirii unei case.
Trebuie stiut ca intr-adevar HG 717/2009 include ca si beneficiari pentru acest program si pe cei care doresc sa achizitioneze o constructie “la rosu” sau care urmeaza a fi construita insa ATENTIE! nu este posibila constructia acesteia in regie proprie.
Legea impune deci existenta unui contract de construire in prealabil incheiat cu o firma de constructii.
Pasii de urmat in vederea obtinerii creditului pentru achizitia unei locuinte in faza de constructie, sau “la rosu” sunt:
° depunerea cererii de finantare la banca
° dovada contractarii cu o firma de constructii( contract de construire sau precontract de vanzare-cumparare, dupa caz )
° analizarea dosarului de catre finantator
° eliberarea promisunii de creditare in cazul in care dosarul este acceptat ( aceasta este valabila 18 luni).
De retinut este si faptul ca finantarea se va acorda numai in momentul finalizarii locuintei, adica la finalul termenului de 18 luni in care constructorul este obligat sa finalizeze imobilul.

Informatii prima casa

5 August 2009

° Declaraţie pe propria răspundere , autentificată la notar, potrivit căreia solicitantul nu deţine în proprietate o locuinţă, nici individual, nici în comun, cu soţul/soţia sau alte persoane şi nu are în derulare în credit ipotecar.
° Cerere de credit completată şi semnată de către toţi participanţii cu venituri
° (Documente de identitate (carte de identitate, buletin)
° Documente de venit
° Documente referitoare la obiectul creditului (acte de proprietate, carte funciară, actele de identitate ale actualilor proprietari ai imobilului care urmează să fie achiziţionat - copii)
° Documente de justificare a aportului propriu
° Raport de evaluare a imobilului adus în garanţie, întocmit de un evaluator agreat de bancă

Documente necesare întocmirii dosarului de credit:
° Actul de identitate al solicitantului, inclusiv soţ/soţie sau codebitori in original si copie
° Certificat de căsătorie - dacă este cazul , in original si copie
° Adeverinţă de venit de la compania angajatoare pe baza formularului pus la dispoziţie de bancă (în original) - emisă cu maxim 30 zile calendaristice înaintea depunerii dosarului
° Carte de muncă -in copie , pe care sa scrie "Conform cu originalul", semnătura şi ştampila persoanei care semnează, sau
° Contractul individual de muncă, inclusiv actele adiţionale ale acestuia, in copie

Cumparatorii trebuie sa stie ca in plus, cheltuielile suplimentare aferente creditului sunt: taxe notariale, onorariu, TVA, ipoteca.
Unele dintre cele mai scumpe cheltuieli pentru programul „Prima Casa", sunt cele legate de legalizarea actului de vânzare - cumparare, cheltuieli care ajung undeva intre 3500 - 3800 de lei.
Nu trebuie omis nici depozitul colateral, care obligatoriu ne face sa mai scoatem din buzunar în medie, intre 700-750 de euro, pentru depozitele în euro, sau 7.000-7.500 de lei pentru depozitele în lei.

Breaking news

15th October 2008

Romania inward investment flow is 60% higher in 2008 compared to 2007. The total investment for the period Jan – Aug 2008 is now more than 6.5 BLN EURO. The data covering Jan –Aug 2008 has been just published by the Romanian Government. At the same time the trade deficit of the country has continued to narrow down being in August 08 50% smaller than for the same period in 2007. Both data reflect the continuous and exceptional progress that Romanian economy is making as fresh UE member and is in stark contract with the evolution of the western state economies. Romania is weathering tremendously well the global credit crunch problem being so far unaffected.

                                                          posted in the Romania bussines section

Romania is one of the most attractive countries in EUROPE for business.

10th October 2008

Romania is one of the most attractive countries in EUROPE for business. The biggest 500 multinational European companies have done or have confirmed their intention to open business in Romania.
Romania has one of the lowest business and dividend taxes in Europe at 16%. Also personal capital gains tax (CGT) is only 2%. It is extremely easy to buy a property in Romania and equally to sell it and the Notary taxes are low.
Cited from Cushman and Wakefield, the UK real estate consultancy agency.

                                                         posted in the Romania bussines section

Romania’s GDP growth surpasses all estimates by growing at 9.3%

09th September 2008

Romania’s GDP growth surpasses all estimates by growing at 9.3% for the first 6 months of 2008, the Romania National Institute of Statistics revealed today. At a time when many western countries have collapsing economies many facing already recession Romania ’s economy is powering strongly ahead. And the good news is that the inflation rates has started again to decrease. At the same time the country commercial balance which measures the rate of exports versus its imports has shown an improvement of 12% compared to 2007.

                                                          posted in the Romania bussines section

Romania - an alternative to the credit crunch?

20th August 2008

Despite the turmoil in many Western markets, property in Romania remains a preferred investment for many international blue chip companies. According to Business Standard, the Romanian business daily, the top 9 investments in the first half of 2008 totaled €820 million. Some of the named investors are Morgan Stanley, Deutsche Bank and BNP Paribas.

                                                          posted in the Romania bussines section

HSBC enters Romanian property market with €70 million Acquisition

14th August 2008

HSBC, Europe’s largest bank, finalised the purchase of a 50% share in Expo Market Doraly, a Romanian development company incorporated in 2004. The Romanian company owns and operates a 57,000 built sqm mixed use development (commercial, industrial and office) in Bucharest and 22 hectares of land.
The transaction was executed by HSBC European Infrastructure Investments 1, an investment division of HSBC.

                                                           posted in the Romania bussines section

Property Investment in the Romanian market are yet unaffected by the subprime crisis

24th June 2008

The real estate market in Bucharest, Romania remains very attractive for the international investors since it has largely remained untouched by the subprime crisis of US. The reasons are fundamental: the demand from the Romanians buying residential property is high (the majority of young families do not own a house yet), there is strong and stable rental market (which makes the property investment a very profitable and attractive investment). Further the upcoming national programme for infrastructure building in the North of Bucharest including the upcoming motorway to Brasov will bring a massive of residential expansion. The above are the conclusions of a report published by Atisreal, the property consultant belonging to BNP Paribas.

Busniess Daily 24th June 2008             posted in the Romania real estate section

Romania GDP growth outpacing the EU average

Thursday, June 12th, 2008

Economic growth in Romania is outpacing the EU average, according to new statistics. According to the National Institute of Statistics and Eurostat, Romania saw its gross domestic product go up by 8.2% during the first three months of 2008. This is more than three times the amount that was recorded across the EU as a whole during the same period! In addition, the figure is also up from 6% in the first quarter of 2007, which was Romania’s first year as an EU member.
According to finance minister Varujan Vosganian, this trend has been driven by growth in the construction and service sectors. The economic boom is the biggest the country experienced since 1990 after the overthrown of the Communist regime. Special note was given to the Building industry where growth rates are 50% y/y. Still demand for new property, especially new houses/villas is phenomenal. A key note was also given to the constructions in the holiday spots such as the Black Sea coast.
This suggests that the growth of tourism and overseas property investment is having a positive impact on the Romanian economy. Property in the eastern European country is currently in high demand. This has led to supply being fairly restricted, which in turn has made available properties much more highly sought-after, thus increasing their prices.
Moreover the Finance Ministry just announced that June indicators show that the annual GDP expansion in Romania will continue above 8% for the rest of the year.

                                                          posted in the Romania bussines section   

The consortium JV Pizzarotti&Tirena Scavi started on monday the work for the first sector of the Bucharest-Ploiesti highway, announced by the Minister of Transports in press release.

May 28th 2008

According to the contract concluded with the highway's constructor, the works at the Bucharest - Moara Vlasiei segment, with a length of 19 Km, must be finished in november 2010.
The value of this contract is approximately 152.8 millions EURO.
For the construction of the 19 km of highway will be needed 210,000 tons of asphalt and 110,000 cubic metres for making six bridges and seven passages. Also, for this sectionwill be digged 380,000 cubic metres of soil and the backfilling will have a volume of two million cubic metres. This sector, will have on certain areas, three bands on each way.
The Bucharest-Moara Vlasiei Sector is part of the Bucharest-Ploiesti section of the highway which will make the connection between the capital city and Brasov and will have a total length of 168.8 km.
Sectorul Bucuresti-Moara Vlasiei face parte din tronsonul Bucuresti-Ploiesti al autostrazii care va lega Capitala de Brasov si va avea o lungime totala de 168,8 kilometri.

                                                            posted in the Romania bussines section

16% increase in Domestic tourism on the Romanian Black sea coast

May 2nd 2008

The Romanian Government published today a report saying that it expects in increase of at least 16% in the number of Romanians who will visit the resorts on the Romanian Black Sea coast this year. The total number can go as high as 10% of Romanian population, namely 2 million people, almost double than in 2007. It mentions that the quality of services has started to improve and there were many investments in the infrastructure and the services being offered in 2008. Romania is keen to reposition its tourist destination on the Black Sea coast and to recover the gap it lost in the last years. As far as 15-20 years ago more than 5-7 million Romanians used to visit the Romanian seaside in summer. Romania announces also the completion of the Bucharest-seaside motorway set for 2009 which will be a major traffic destination for country's visitors on the Romanian Black Sea coast.

Source Finanacial Daily                          posted in the Romania bussines section

Ford Closes Deal in Romania

April 10th 2008

Ford last month officially took control of Automobile Craiova, the former Daewoo operation here, for a token payment of $80 million and a promise to invest more than $1 billion. Ford executives said the factory will assemble the Transit Connectin 2009 and a new small car in 2010.

Ford plans to boost the plant's annual production capacity to 300,000 units and double employment to 7,000. In 2006, Daewoo built only 24,000 vehicles there.

John Fleming, president and CEO of Ford of Europe, said the Transit Connect, a compact commercial delivery vehicle, will go into production in Craiova in mid-2009. The vehicle currently is built only in Turkey, but Ford's assembly operation there is at full capacity. Earlier this year, Ford announced plans to begin marketing the Transit Connect in the U.S. in summer 2009.

Source "Financial Daily"                          posted in the Romania bussines section

Biggest Mall Opens in Romania Today

April 20th, 2008

Romania's biggest mall opens today in Baneasa, an area in the northern part of the capital, Bucharest, national media reported. The Baneasa Shopping City will contain 221 stores, of which 70 per cent are open to customers today. The cafes and restaurants are expected to begin work after next weekend's Easter holidays the Romanian newspaper Evenimentul Zilei reported. Beside cosmetic and decorative objects, the mall will also have clothing brands that are entirely new to the Romanian market.

A relatively new phenomenon, no shopping malls existed in the Balkans until a few years ago. Just in the last couple of years, however, they have sprung up en masse and largely replaced the street-side stores and the department stores left from the communist era as preferred shopping places. Just in Bucharest, there are already 11 malls, including the Baneasa Shopping City one, and 10 more are to open within the next two years. In Romania altogether, there will be more than 70 malls by 2010.

Baneasa Shopping Mall will also serve the thousands of new middle class who have relocated in new villas built in the new suburbs of Northern Bucharest such as Balotesti, Corbeanca, Snagov.


                                                              posted in the Romania real estate section

Romanian property top 10 land deals in 2007

The top ten land deals registered last year in Bucharest amounted to a total €500 million, according to a study by real estate consulting company Atisreal Romania, part of French group BNP Paribas.

Meanwhile, deals with real estate projects totaled €750 mln in 2007, mostly for office buildings.

Raiffeisen Evolution was top land buyer, with a €90 million deal involving 11 hectares of land in northern Bucharest. The plot was purchased from Romania's largest company, Petrom.

Israeli developer AFI Europe purchased 15.5 hectares of the Laromet industrial platform, in north-western Bucharest, for €77.5 mln, in the second-largest deal registered in 2007. Israeli company Rosebud Medical ranks third, with a payment of €72.9 million for 6 hectares in northern Bucharest, while the fourth-largest deal involved mall developer Belrom, which purchased 9 hectares in eastern Bucharest, for €60 mln. The same amount was paid by Austrian company Real4you for 7 hectares, also in the eastern area of the capital.

Investors are mainly targeting small [adjoining] plots to create larger areas, especially in the northern and western areas of Bucharest, where large residential and industrial projects have been built, the study writes.

Last year, the prices of land for residential and office projects in central areas rose some 15-20 percent, according to real estate specialists.

Source: Ziarul Financiar (Business Daily) March 2008.  posted in the Romania real estate section

Romanian property drawing attention

Tuesday, 18 Mar 2008 11:06

Property prices in Romania have seen substantial increases in recent months, with local buyers bolstering demand and pushing up prices.

Prices for some new-build developments in Romania, have seen prices rise by 63.5 per cent over the course of a year. The average property price in the eastern European nation increased by 40 per cent during 2007. These increases have been driven by an increase in wages among the domestic population since accession to the European Union on January 1st 2007

The Romanian finance minister recently announced GDP per capita in the country had increased from €2,600 in 2004 to €5,400 in 2007. The latest figures from market analysts Mercer also forecast the trend will continue - with wages in Romania expected to rise by 11.5 per cent in 2008, the highest rise in Europe and fourth in the world. The Romanian government also forecasts a staggering 75 per cent salary increase by 2013.

This trend has allowed a strong property market to develop, with local buyers fuelling demand as opposed to second and holiday home owners. "The Romanian economy continues to grow sustained by increasing inward investment and the demand for modern, quality housing continues to rise, providing excellent returns for those investing in the property market," Romania also has a low unemployment figure, estimated at around 4.3 per cent during 2007, ensuring demand from a wide cross section of the market.

Source www.aboutproperty.co.uk                 posted in the Romania real estate section

18th Jan 2008: New European Union entrant Romania and the southern Alps are set to become the next two overseas property investment hotspots. Both regions to see highly competitive growth during 2008.

That is according to research from the Homebuyer and Property Investor Show, which predicts both regions will see highly competitive growth during 2008.

In Romania average property prices have begun to increase dramatically following its accession to the European Union in January 2007 - but still reflect its position as an emerging market.

At present a spacious two-bedroom apartment in a popular tourist resort can be obtained for €100,000 - some 40 per cent lower than some other eastern European destinations.

However, experts predict prices could increase by 15 to 25 per cent over the next twelve months - partially spurred by the arrival of low-cost flights from UK carriers.

"We have seen the huge impact the presence of low-cost airlines has had on other eastern European countries, and Romania is set to follow this trend," said Ben Mason of overseas property agent Someplace Else.

"The country is one of the most beautiful in eastern Europe and offers a wealth of history and culture as well as a diverse landscape, from medieval towns, such as Transylvania, to Black Sea resorts, the Carpathian mountains and the magnificent architecture of Bucharest."


                                                                       posted in the Romania real estate section

Two million euro for making Romania a tourism brand

January 17th, 2008

The campaign to put up a tourism brand for Romania saw a 2 million euro budget approved on Wednesday by the Government. Other 9 million euro will be spent on promoting Romania in Spain and Italy, also using state funds. At least four attempts to create such a brand took place in the past few years, proving each time to be completely worthless.

Tourism Ministry state secretary Lucia Morariu claims that Romania has 75 million euro allocated for promoting tourism projects, within the Regional Operational Program, but the state has to pay for the projects first, then the discount from EU funds can be made. According to Morariu, the new branding initiative has nothing to do with the previous attempts: "In case the brand we create is successful, this will also influence the country brand".

"The Eternal and  fascinating Romania" project cost 6 million euro, while the "Romania - always surprising" was another 1.7 million dollars. Another project in 2007, Romania - Simply Surprising, was cancelled because it didn't communicate the essence of Romania for any potential visitor.

                                                                     posted in the Romania bussines section

The Rothschild family enters the Romanian real estate market

December 10th, 2007

The Rothschild banking family officially entered the domestic housing market last week in a deal worth 104 million euros for a 60 percent stake in three housing projects, which are controlled by the Israeli owners of Euro Habitat, the developer of Planorama project in Colentina.

The three projects are located in Ploiesti, Brasov and Bucharest's Colentina district, and will include approximately 8,000 houses, in the wake of investments expected to amount to almost one billion euros.

The deal, valued at 104 million euros, was sealed on Monday evening, in Piraeus bank's Carol Boulevard headquarters. The three projects will be developed under a different brand, which will be made public next year, when works begin and the projects are launched, Haim Zemer Tov, CEO at Euro Habitat and a stakeholder in the three projects.

                                                                    posted in the Romania real estate section

Romania Seeing Real Estate Boom

February 7th, 2008

Real estate transactions soared by 150% in 2007 compared to the previous year, making the country the most booming property market in the Balkans.

Romania's real estate business was worth more than €2 billion last year, with the most significant transactions involving the sale of office space in Bucharest and the country's cities, local news agency Mediafax reported.

Analysts say the Romanian real estate market will continue to sustain its upward trend, at least in the short term.

Romania's mortgage market could double reaching €8 billion by 2009, says Ana Cernat, the mortgage loans division manager at the country's Bancpost bank.

But even if that happens, mortgage loans in Romania will still be very low in relation to the country's Gross Domestic Product, especially in comparison to most western European countries, Cernat added.

Mortgage loans stood at 3.4 percent of the GDP at the end of November 2007.

                                                                   posted in the Romania real estate section

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