{"id":433,"date":"2016-01-04T12:09:49","date_gmt":"2016-01-04T12:09:49","guid":{"rendered":"http:\/\/www.hitchmosher.ro\/blog\/?p=433"},"modified":"2016-01-04T12:09:49","modified_gmt":"2016-01-04T12:09:49","slug":"merita-sa-investesti-intr-o-locuinta-in-timisoara-pentru-copilul-care-merge-la-facultate-in-oras","status":"publish","type":"post","link":"https:\/\/hitchmosher.ro\/blog\/merita-sa-investesti-intr-o-locuinta-in-timisoara-pentru-copilul-care-merge-la-facultate-in-oras\/","title":{"rendered":"Merit\u0103 s\u0103 investe\u0219ti \u00eentr-o locuin\u021b\u0103 \u00een Timi\u0219oara, pentru copilul care merge la facultate \u00een ora\u0219?"},"content":{"rendered":"<p><a href=\"http:\/\/www.hitchmosher.ro\/blog\/wp-content\/uploads\/2016\/01\/apartement-timisoara.jpg\"><img loading=\"lazy\" class=\"alignleft size-medium wp-image-434\" alt=\"apartement-timisoara\" src=\"http:\/\/www.hitchmosher.ro\/blog\/wp-content\/uploads\/2016\/01\/apartement-timisoara-300x168.jpg\" width=\"300\" height=\"168\" \/><\/a>Timi\u0219oara este un centru universitar important, cu o arie foarte variat\u0103 de specializ\u0103ri, a\u0219a c\u0103, anual atrage studen\u021bi din afara ora\u0219ului. \u00cen acela\u0219i timp, o serie de studen\u021bi termin\u0103 studiile, \u00ee\u0219i iau diplomele de licen\u021b\u0103, se \u00eenscriu la un masterat, dar ce se \u00eent\u00e2mpl\u0103 dup\u0103 masterat: r\u0103m\u00e2n \u00een Timi\u0219oara sau se \u00eentorc acas\u0103? Majoritatea r\u0103m\u00e2n \u00een Timi\u0219oara deoarece mediul economic de aici le ofer\u0103 perspective interesante de carier\u0103 \u00een specializ\u0103rile pe care le-au absolvit. Mul\u021bi lucreaz\u0103 \u00een companii multina\u021bionale chiar din perioada studen\u021biei, a\u0219a c\u0103, \u00een momentul absolvirii au o \u0219ans\u0103 foarte bun\u0103 s\u0103 promoveze.<!--more--><\/p>\n<p>\u00cen acest context, \u00een care economia ora\u0219ului absoarbe o parte foarte important\u0103 dintre absolven\u021bi, problema locativ\u0103 devine deja una prioritar\u0103 \u00een r\u00e2ndul tinerilor la \u00eenceput de carier\u0103. P\u0103rin\u021bii ar trebui s\u0103 se g\u00e2ndeasc\u0103 \u00eenc\u0103 de c\u00e2nd copilul \u00eencepe \u0219coala la situa\u021bia locativ\u0103 a acestuia \u0219i s\u0103 \u00eenceap\u0103, \u00een limita posibilit\u0103\u021bilor, s\u0103 economiseasc\u0103 pentru un avans. Op\u021biunile actuale sunt destul de accesibile, din perspectiva avansului. Dac\u0103 se alege varianta unei finan\u021b\u0103ri prin programul \u201ePrima Cas\u0103\u201d, avansul este de 5%. \u00centr-o prim\u0103 faz\u0103, p\u0103rin\u021bii ar putea s\u0103 participe \u00een cot\u0103 parte la plata ratei, \u00een timp ce proasp\u0103tul absolvent va acoperi, la r\u00e2ndul lui, o alt\u0103 parte a ratei. Dac\u0103 la \u00eenceput presiunea financiar\u0103 este pe umerii p\u0103rin\u021bilor, treptat, pe m\u0103sur\u0103 ce fiica sau fiul avanseaz\u0103 \u00een carier\u0103, veniturile \u00eei vor permite s\u0103 acopere integral rata.<\/p>\n<p>De\u021binerea unei locuin\u021be \u00een ora\u0219 atrage dup\u0103 sine o serie de avantaje. Primul \u0219i cel mai evident este rezolvarea situa\u021biei locative, care confer\u0103 \u0219i stabilitate, spre deosebire de chirie, care poate suferi oric\u00e2nd schimb\u0103ri. \u00cen plus, rata pl\u0103tit\u0103 pentru un apartament cu dou\u0103 camere este, de obicei, echivalentul chiriei, a\u0219a c\u0103, din punct de vedere investi\u021bional, banii plasa\u021bi \u00een rata lunar\u0103 acoper\u0103 treptat contravaloarea apartamentului.<\/p>\n<p>Pe l\u00e2ng\u0103 faptul c\u0103 este o investi\u021bie pe termen lung, achizi\u021bia unei locuin\u021be \u0219i plata ratelor responsabilizeaz\u0103 \u0219i formeaz\u0103 o serie de deprinderi casnice obligatorii pentru \u00eentre\u021binerea unui apartament \u0219i transformarea lui \u00eentr-un spa\u021biu locativ pl\u0103cut.<\/p>\n<p>Achizi\u021bia unei locuin\u021be este o op\u021biune mai viabil\u0103 dec\u00e2t \u00eenchirierea, \u00een cazul \u00een care absolventul vrea s\u0103 r\u0103m\u00e2n\u0103 \u00een Timi\u0219oara, cel pu\u021bin o perioad\u0103 dup\u0103 terminarea studiilor. \u00cen cazul \u00een care nu exist\u0103 o oarecare siguran\u021b\u0103 \u0219i exist\u0103 posibilitatea unei reloc\u0103ri, este recomandat\u0103 pruden\u021ba. Achizi\u021bia va bloca o sum\u0103 important\u0103, iar \u00een cazul unei mut\u0103ri \u00een alt ora\u0219 sau chiar \u00een alt\u0103 \u021bar\u0103 va deveni un efort financiar important. Pe de alt\u0103 parte, exist\u0103 posibilitatea \u00eenchirierii apartamentului \u0219i achitarea ratei bancare lunare din venitul provenit din \u00eenchiriere. Astfel, achizi\u021bia apartamentului va r\u0103m\u00e2ne o investi\u021bie profitabil\u0103.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Timi\u0219oara este un centru universitar important, cu o arie foarte variat\u0103 de specializ\u0103ri, a\u0219a c\u0103, anual atrage studen\u021bi din afara ora\u0219ului. \u00cen acela\u0219i timp, o serie de studen\u021bi termin\u0103 studiile, \u00ee\u0219i iau diplomele de licen\u021b\u0103, se \u00eenscriu la un masterat, dar ce se \u00eent\u00e2mpl\u0103 dup\u0103 masterat: r\u0103m\u00e2n \u00een Timi\u0219oara sau se \u00eentorc acas\u0103? Majoritatea r\u0103m\u00e2n [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":434,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[3],"tags":[68,204,203],"_links":{"self":[{"href":"https:\/\/hitchmosher.ro\/blog\/wp-json\/wp\/v2\/posts\/433"}],"collection":[{"href":"https:\/\/hitchmosher.ro\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/hitchmosher.ro\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/hitchmosher.ro\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/hitchmosher.ro\/blog\/wp-json\/wp\/v2\/comments?post=433"}],"version-history":[{"count":1,"href":"https:\/\/hitchmosher.ro\/blog\/wp-json\/wp\/v2\/posts\/433\/revisions"}],"predecessor-version":[{"id":435,"href":"https:\/\/hitchmosher.ro\/blog\/wp-json\/wp\/v2\/posts\/433\/revisions\/435"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/hitchmosher.ro\/blog\/wp-json\/wp\/v2\/media\/434"}],"wp:attachment":[{"href":"https:\/\/hitchmosher.ro\/blog\/wp-json\/wp\/v2\/media?parent=433"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/hitchmosher.ro\/blog\/wp-json\/wp\/v2\/categories?post=433"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/hitchmosher.ro\/blog\/wp-json\/wp\/v2\/tags?post=433"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}