Brokerii se bat pe credite ipotecare
Marti, 08 Iulie 2008, ora 23:17
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Potrivit directorului general al companiei,
Vlad Ardeleanu, piata este in crestere. „Ritmul de crestere a creditarii
ipotecare in Romania a fost, in 2007, de 110%“, a afirmat Ardeleanu.
Reprezentantii IpoteciDirect sustin ca, in prezent, doar 1 din 9 romani apeleaza
la solutia imprumutului pentru a-si cumpara o locuinta. „Vrem sa ajungem pana in
2012 sa intermediem credite garantate cu ipoteca de 600 de milioane de euro“, a
mai spus seful firmei de consultanta IpoteciDirect.
Pentru creditele ipotecare, romanii prefera
valuta. Din totalul imprumuturilor intermediate de IpoteciDirect, 89% au fost
acordate in euro, iar restul de 11% in franci elvetieni. Firma acorda consultanta
pentru creditele cu ipoteca doar persoanelor fizice si nu intentioneaza sa-si
dezvolte activitatea si pentru segmentul persoanelor juridice, intrucat
reprezinta o alta piata si un alt concept. „Conform estimarilor IpoteciDirect,
ponderea intermedierilor de credite urmeaza sa creasca de la 7-8% in 2009 la
aproximativ 20% in urmatorii patru ani“, a afirmat Raluca Dobre, analist
financiar al companiei.
Dobanzile creditelor cu ipoteca sunt bazate
pe indicele international de referinta al fiecarei valute, la care se adauga
marja bancii, care variaza intre 3,25% si 3,99%, arata un studiu realizat de o
alta firma de cosultanta, Credit Zone. „O familie care vrea sa achizitioneze un
apartament cu doua camere, de 90.000 de euro (aproximativ 329.400 de lei) ar
trebui sa aiba un venit net minim de 4.000 de lei“, se mai arata in studiu.
Sursa: Business24