{"id":353,"date":"2023-06-19T23:12:12","date_gmt":"2023-06-19T23:12:12","guid":{"rendered":"https:\/\/site.showvegasrealty.com\/?p=353"},"modified":"2025-08-08T02:49:25","modified_gmt":"2025-08-08T09:49:25","slug":"saving-down-payment-heres-what-you-need-know","status":"publish","type":"post","link":"https:\/\/www.showvegasrealty.com\/ro\/saving-down-payment-heres-what-you-need-know\/","title":{"rendered":"Economise\u0219ti pentru un avans? Iat\u0103 ce trebuie s\u0103 \u0219tii."},"content":{"rendered":"<p>Dac\u0103 inten\u021biona\u021bi s\u0103 v\u0103 cump\u0103ra\u021bi\u00a0<a href=\"https:\/\/www.simplifyingthemarket.com\/en\/2023\/05\/31\/keys-to-success-for-first-time-homebuyers\/?a=580658-3d37a2974f08ca3e573f7f92ac2d5eba\" target=\"_blank\" rel=\"noopener noreferrer\">prima cas\u0103<\/a>, atunci probabil c\u0103 te concentrezi pe economisirea pentru toate costurile implicate \u00eentr-o achizi\u021bie at\u00e2t de mare. Una dintre cheltuielile care \u021bi-ar putea fi \u00een minte este avansul. Dac\u0103 e\u0219ti intimidat de c\u00e2t de mult trebuie s\u0103 economise\u0219ti pentru asta, s-ar putea s\u0103 fie pentru c\u0103 crezi c\u0103 trebuie s\u0103 pl\u0103te\u0219ti 20% \u00een avans. Nu trebuie neap\u0103rat s\u0103 fie cazul. Pe m\u0103sur\u0103 ce\u00a0<em>Asocia\u021bia Na\u021bional\u0103 a Agen\u021bilor Imobiliari<\/em>\u00a0(NAR)\u00a0<a href=\"https:\/\/www.nar.realtor\/blogs\/economists-outlook\/tackling-home-financing-and-down-payment-misconceptions\" target=\"_blank\" rel=\"noopener noreferrer\">note<\/a>:<\/p>\n<blockquote><p>\u201c<em>Una dintre cele mai mari concep\u021bii gre\u0219ite \u00een r\u00e2ndul consumatorilor de locuin\u021be este care este avansul tipic \u0219i ce sum\u0103 este necesar\u0103 pentru a intra \u00een posesia unei locuin\u021be.<\/em>.\u201d.\u201d<\/p><\/blockquote>\n<p>\u0218i o recent\u0103\u00a0<em>Freddie Mac\u00a0<\/em>studiu\u00a0<a href=\"https:\/\/myhome.freddiemac.com\/buying\/down-payments-and-pmi\" target=\"_blank\" rel=\"noopener noreferrer\">g\u0103se\u0219te<\/a>:<\/p>\n<blockquote><p>\u201c<em>. ... aproape o treime dintre poten\u021bialii cump\u0103r\u0103tori de locuin\u021be cred c\u0103 au nevoie de un avans de 20% sau mai mult pentru a cump\u0103ra o cas\u0103. Acest mit r\u0103m\u00e2ne unul dintre cele mai mari bariere percepute \u00een calea ob\u021binerii propriet\u0103\u021bii unei locuin\u021be.<\/em>.\u201d.\u201d<\/p><\/blockquote>\n<p><strong>Iat\u0103 vestea bun\u0103. Cu excep\u021bia cazului \u00een care tipul de credit sau creditorul dvs. specific\u0103 acest lucru, de obicei nu este necesar s\u0103 depune\u021bi formularul 20%. Aceasta \u00eenseamn\u0103 c\u0103 a\u021bi putea fi mai aproape de visul dvs. de a cump\u0103ra o cas\u0103 dec\u00e2t v\u0103 da\u021bi seama.<\/strong><\/p>\n<p>Potrivit NAR,\u00a0<a href=\"https:\/\/www.nar.realtor\/research-and-statistics\/research-reports\/highlights-from-the-profile-of-home-buyers-and-sellers\" target=\"_blank\" rel=\"noopener noreferrer\">avans median<\/a>\u00a0nu a dep\u0103\u0219it 20% din 2005. De fapt, avansul mediu pentru to\u021bi cump\u0103r\u0103torii de locuin\u021be este ast\u0103zi de doar 14%. \u0218i este chiar mai mic pentru cei care cump\u0103r\u0103 o cas\u0103 pentru prima dat\u0103, de doar 6% (<em>vezi graficul de mai jos<\/em>):<\/p>\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\"wp-image-362 alignnone\" src=\"https:\/\/www.showvegasrealty.com\/wp-content\/uploads\/2023\/06\/20230619-todays-median-down-payment-is-less-than-20-percent-300x225.webp\" alt=\"\" width=\"697\" height=\"522\" srcset=\"https:\/\/www.showvegasrealty.com\/wp-content\/uploads\/2023\/06\/20230619-todays-median-down-payment-is-less-than-20-percent-300x225.webp 300w, https:\/\/www.showvegasrealty.com\/wp-content\/uploads\/2023\/06\/20230619-todays-median-down-payment-is-less-than-20-percent-768x576.webp 768w, https:\/\/www.showvegasrealty.com\/wp-content\/uploads\/2023\/06\/20230619-todays-median-down-payment-is-less-than-20-percent.webp 1000w\" sizes=\"(max-width: 697px) 100vw, 697px\" \/><\/p>\n<p>&nbsp;<\/p>\n<p>Ce \u00eenseamn\u0103 asta pentru tine? \u00censeamn\u0103 c\u0103 s-ar putea s\u0103 nu fie nevoie s\u0103 economise\u0219ti at\u00e2t de mult pe c\u00e2t credeai ini\u021bial.<\/p>\n<h4><strong>Afl\u0103 despre op\u021biunile care te pot ajuta s\u0103-\u021bi atingi obiectivul<\/strong><\/h4>\n<p>\u0218i nu este clar doar c\u00e2t de mult ave\u021bi nevoie pentru avans. Exist\u0103, de asemenea, concep\u021bii gre\u0219ite despre programele de asisten\u021b\u0103 pentru avans. Pentru \u00eenceput, mul\u021bi oameni cred c\u0103 exist\u0103 asisten\u021b\u0103 disponibil\u0103 doar pentru cei care cump\u0103r\u0103 o cas\u0103 pentru prima dat\u0103. \u00cen timp ce cump\u0103r\u0103torii pentru prima dat\u0103 au multe op\u021biuni de explorat, \u0219i cump\u0103r\u0103torii fideli au c\u00e2teva.<\/p>\n<p>Conform\u00a0<a href=\"https:\/\/downpaymentresource.com\/\" target=\"_blank\" rel=\"noopener noreferrer\"><em>Resurs\u0103 pentru avans<\/em><\/a>, exist\u0103 peste 2.000 de programe de asisten\u021b\u0103 pentru cump\u0103r\u0103torii de locuin\u021be \u00een SUA, iar majoritatea sunt destinate s\u0103 ajute cu avansul. Aceea\u0219i resurs\u0103 continu\u0103 spun\u00e2nd:<\/p>\n<blockquote><p>\u201c<em>Nu trebuie s\u0103 fii la prima achizi\u021bie. Peste 381 de programe sunt destinate cump\u0103r\u0103torilor fideli care au de\u021binut o locuin\u021b\u0103 \u00een ultimii 3 ani.<\/em>\u201d<\/p><\/blockquote>\n<p>\u00cen plus, exist\u0103 chiar \u0219i tipuri de \u00eemprumuturi, cum ar fi\u00a0<a href=\"https:\/\/www.hud.gov\/buying\/loans\" target=\"_blank\" rel=\"noopener noreferrer\">\u00cemprumuturi FHA<\/a>\u00a0cu avansuri de p\u00e2n\u0103 la\u00a0<a href=\"https:\/\/www.benefits.gov\/benefit\/504\" target=\"_blank\" rel=\"noopener noreferrer\">3.5%<\/a>\u00a0precum \u0219i op\u021biuni precum\u00a0<a href=\"https:\/\/www.va.gov\/housing-assistance\/home-loans\/loan-types\/\" target=\"_blank\" rel=\"noopener noreferrer\">\u00cemprumuturi VA<\/a>\u00a0\u015fi\u00a0<a href=\"https:\/\/www.rd.usda.gov\/programs-services\/single-family-housing-programs\/single-family-housing-guaranteed-loan-program\" target=\"_blank\" rel=\"noopener noreferrer\">\u00cemprumuturi USDA<\/a>\u00a0f\u0103r\u0103 cerin\u021be de plat\u0103 \u00een avans pentru candida\u021bii califica\u021bi.<\/p>\n<p>Dac\u0103 sunte\u021bi interesat s\u0103 afla\u021bi mai multe despre programele de asisten\u021b\u0103 pentru avans, informa\u021biile sunt disponibile prin intermediul unor site-uri precum\u00a0<a href=\"https:\/\/downpaymentresource.com\/\" target=\"_blank\" rel=\"noopener noreferrer\"><em>Resurs\u0103 pentru avans<\/em><\/a>. Apoi, colabora\u021bi cu un creditor de \u00eencredere pentru a afla pentru ce v\u0103 califica\u021bi \u00een baza dumneavoastr\u0103\u00a0<a href=\"https:\/\/www.simplifyingthemarket.com\/en\/2023\/06\/01\/the-true-value-of-homeownership\/?a=580658-3d37a2974f08ca3e573f7f92ac2d5eba\" target=\"_blank\" rel=\"noopener noreferrer\">cump\u0103rarea unei case<\/a>\u00a0c\u0103l\u0103torie.<\/p>\n<h3>Concluzie<\/h3>\n<p>Nu uita, un avans 20% nu este \u00eentotdeauna necesar. Dac\u0103 vrei s\u0103 cumperi o cas\u0103 anul acesta, hai s\u0103 ne conect\u0103m pentru a \u00eencepe conversa\u021bia despre obiectivele tale de cump\u0103rare a unei locuin\u021be.<\/p>","protected":false},"excerpt":{"rendered":"<p>If you&#8217;re planning to buy your\u00a0first home, then you&#8217;re probably focused on saving for all the costs involved in such a big purchase. One of the expenses that may be at the top of your mind is your down payment. If you\u2019re intimidated by how much you need to save for that, it may be [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":354,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_mo_disable_npp":"","footnotes":""},"categories":[15],"tags":[],"class_list":["post-353","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-market-updates"],"_links":{"self":[{"href":"https:\/\/www.showvegasrealty.com\/ro\/wp-json\/wp\/v2\/posts\/353","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.showvegasrealty.com\/ro\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.showvegasrealty.com\/ro\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.showvegasrealty.com\/ro\/wp-json\/wp\/v2\/users\/7"}],"replies":[{"embeddable":true,"href":"https:\/\/www.showvegasrealty.com\/ro\/wp-json\/wp\/v2\/comments?post=353"}],"version-history":[{"count":0,"href":"https:\/\/www.showvegasrealty.com\/ro\/wp-json\/wp\/v2\/posts\/353\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.showvegasrealty.com\/ro\/wp-json\/wp\/v2\/media\/354"}],"wp:attachment":[{"href":"https:\/\/www.showvegasrealty.com\/ro\/wp-json\/wp\/v2\/media?parent=353"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.showvegasrealty.com\/ro\/wp-json\/wp\/v2\/categories?post=353"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.showvegasrealty.com\/ro\/wp-json\/wp\/v2\/tags?post=353"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}