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Credite cu dobanzi mici date de banci pentru case verzi. Suma economisita, echivalentul a doua rate/ an

Vineri, 02 Februarie 2018, 10:45
693 vizite - 155 comentarii


Vreţi să vă cumpăraţi o casă sau un apartament eficient energetic ori să vi-l transformaţi pe cel vechi într-o locuinţă verde?

Acum există şi la noi credite speciale, cu dobânzi mai mici, dacă protejaţi mediul. Trei bănci au lansat astfel de ipoteci verzi, iar una dintre ele oferă şi credite pentru frigidere care consumă puţin sau pentru aparate de aer condiţionat eficiente.

Deși nu are nimic deosebit la prima vedere, factura lunară la utilități pentru o casă din Prahova este aproape de zero, spune cel care o administrează.

Casa a primit de curând certificare de casă verde de la specialiştii Consiliului Roman pentru Clădiri Verzi. Este cea mai înaltă clasă de eficienta energetică. Asta înseamnă nu numai că nu pierde energie, pentru că materialele folosite sunt de calitate, dar că nici nu consumă. A fost construită în comuna Valea Șcheii din Prahova, zona Dealu Mare, între podgorii, are peste 250 de metri pătraţi suprafaţa utilă şi a costat 150.000 de euro.

Astfel de case, apartamente sau chiar materiale şi tehnologii verzi sunt, mai nou, finanţate de trei bănci din România. Iar creditele sunt mai ieftine ca cele clasice, adică au dobânzi mai mici.

Eliza Gheorghe, manager bancă: ″În primul rând, reducerea ratei lunare, costul find mult mai bun decât în cazul în care ar opta pentru o locuinţă cu o certificare normală. Această proprietate are o valoare stabilă de piaţă în timp, cu alte cuvinte nu se depreciază la fel de tare cum se depreciază o locuinţă normală.”

Pentru un credit verde, dobânda este cu 1,2 până la 0,3 la sută mai mică faţă de un împrumut ipotecar clasic, pentru aceeaşi sumă. Avansul este acelaşi, 15%, pentru creditele în lei.

Sorin Drăgulin, manager bancă: “Practic, acelaşi credit ipotecar, doar că dacă apartamentul sau casa are un certificat energetic care este A sau B , partea superioară a segmentului B, beneficiază de o dobândă foarte bună, o dobândă la nivelul creditului Prima Casă.”

Calculele arată ca pe parcursul unui an, din economiile făcute cu dobânda mai mică la credit, dar şi din plăţile mai mici la utilităţi, câştigaţi de fapt două rate în plus, în 12 luni.

Potrivit celor care certifică astfel de locuinţe, în România sunt 5850 de apartamente şi case verzi.


Stiri despre:   case,  apartamente,  locuinta verde,  credite speciale casa verde,  credite cu dobanzi mici,  protejarea mediului,  

Autor:    Stirileprotv.ro

Sursa:   stirileprotv.ro

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