{"id":301,"date":"2026-04-02T20:05:40","date_gmt":"2026-04-02T20:05:40","guid":{"rendered":"https:\/\/iovufinancialservices.co.uk\/?p=301"},"modified":"2026-04-06T18:23:00","modified_gmt":"2026-04-06T18:23:00","slug":"ghidul-complet-pentru-first-time-buyers-in-uk-2025","status":"publish","type":"post","link":"https:\/\/iovufinancialservices.co.uk\/ru\/2026\/04\/02\/ghidul-complet-pentru-first-time-buyers-in-uk-2025\/","title":{"rendered":"\u041f\u043e\u043b\u043d\u043e\u0435 \u0440\u0443\u043a\u043e\u0432\u043e\u0434\u0441\u0442\u0432\u043e \u0434\u043b\u044f \u043f\u043e\u043a\u0443\u043f\u0430\u0442\u0435\u043b\u0435\u0439 \u0432\u043f\u0435\u0440\u0432\u044b\u0435 \u0432 \u0412\u0435\u043b\u0438\u043a\u043e\u0431\u0440\u0438\u0442\u0430\u043d\u0438\u0438 (2025)"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"301\" class=\"elementor elementor-301\">\n\t\t\t\t<div class=\"aux-parallax-section elementor-element elementor-element-795697c0 e-flex e-con-boxed e-con e-parent\" data-id=\"795697c0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4dfd4e6d translation-block elementor-widget elementor-widget-text-editor\" data-id=\"4dfd4e6d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\n<p class=\"wp-block-paragraph\">Cump\u0103rarea primei case \u00een Marea Britanie este unul dintre cele mai importante momente din via\u021ba unui adult. Este \u0219i unul dintre cele mai complexe procese financiare \u2014 cu termeni noi, documente multe \u0219i decizii care te afecteaz\u0103 pe termen lung. Tocmai de aceea am creat acest ghid complet, g\u00e2ndit special pentru rom\u00e2nii care vor s\u0103 fac\u0103 primul pas pe scara imobiliar\u0103 din UK.<\/p>\n\n<h3 class=\"wp-block-heading\">Pasul 1: Evalueaz\u0103-\u021bi situa\u021bia financiar\u0103<\/h3>\n\n<p class=\"wp-block-paragraph\">\u00cenainte de orice altceva, trebuie s\u0103 \u0219tii exact unde te afli din punct de vedere financiar. Asta \u00eenseamn\u0103 s\u0103 cuno\u0219ti venitul t\u0103u lunar net \u0219i al partenerului dac\u0103 aplica\u021bi \u00eempreun\u0103, economiile disponibile pentru depozit, datoriile existente (carduri de credit, \u00eemprumuturi personale) \u0219i credit score-ul actual. Po\u021bi verifica scorul de credit gratuit pe Experian, Equifax sau TransUnion.<\/p>\n\n<h3 class=\"wp-block-heading\">Pasul 2: \u00cen\u021belege de c\u00e2\u021bi bani ai nevoie<\/h3>\n\n<p class=\"wp-block-paragraph\"><strong>Depozitul minim<\/strong> acceptat \u00een UK este de 5% din pre\u021bul propriet\u0103\u021bii. Totu\u0219i, cu un depozit de 10-20% ob\u021bii rate de dob\u00e2nd\u0103 semnificativ mai bune \u0219i ai acces la mai mul\u021bi lenderi.<\/p>\n\n<p class=\"wp-block-paragraph\"><strong>C\u00e2t po\u021bi \u00eemprumuta?<\/strong> Regula general\u0103 este c\u0103 lenderii ofer\u0103 \u00eentre 4x \u0219i 5.5x venitul t\u0103u brut anual. De exemplu, dac\u0103 c\u00e2\u0219tigi \u00a330,000\/an, po\u021bi \u00eemprumuta \u00eentre \u00a3120,000 \u0219i \u00a3165,000.<\/p>\n\n<p class=\"wp-block-paragraph\"><strong>Costuri adi\u021bionale de care trebuie s\u0103 \u021bii cont:<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li>Stamp Duty Land Tax \u2014 first time buyers sunt scuti\u021bi pentru propriet\u0103\u021bi p\u00e2n\u0103 la \u00a3425,000<\/li>\n\n<li>Costuri de conveyancing (avocat): \u00a31,000-\u00a32,000<\/li>\n\n<li>Survey \u0219i evaluarea propriet\u0103\u021bii: \u00a3300-\u00a31,500<\/li>\n\n<li>Costuri de mutare: \u00a3500-\u00a32,000<\/li>\n<\/ul>\n\n<h3 class=\"wp-block-heading\">Pasul 3: Preg\u0103te\u0219te documentele necesare<\/h3>\n\n<ul class=\"wp-block-list\">\n<li>Act de identitate valid (pa\u0219aport)<\/li>\n\n<li>Dovad\u0103 de adres\u0103 din ultimele 3 luni (bill de utilit\u0103\u021bi sau council tax)<\/li>\n\n<li>Ultimele 3 luni de payslip-uri<\/li>\n\n<li>Ultimele 3-6 luni de extrase bancare<\/li>\n\n<li>P60 din ultimul an fiscal<\/li>\n\n<li>Contractul de munc\u0103, dac\u0103 este recent<\/li>\n\n<li>Dovada depozitului \u0219i originea fondurilor<\/li>\n<\/ul>\n\n<h3 class=\"wp-block-heading\">Pasul 4: \u00cen\u021belege schemele de ajutor disponibile<\/h3>\n\n<p class=\"wp-block-paragraph\"><strong>Shared Ownership<\/strong> \u2014 cumperi o parte din proprietate (25%-75%) \u0219i pl\u0103te\u0219ti chirie pentru restul. Ideal dac\u0103 nu ai destul depozit pentru o proprietate complet\u0103.<\/p>\n\n<p class=\"wp-block-paragraph\"><strong>First Homes Scheme<\/strong> \u2014 propriet\u0103\u021bi noi v\u00e2ndute cu reducere de minimum 30% fa\u021b\u0103 de pre\u021bul de pia\u021b\u0103, disponibile pentru first time buyers cu venituri sub un anumit prag local.<\/p>\n\n<p class=\"wp-block-paragraph\"><strong>Right to Buy<\/strong> \u2014 dac\u0103 locuie\u0219ti \u00eentr-o proprietate a consiliului local de cel pu\u021bin 3 ani, po\u021bi cump\u0103ra locuin\u021ba cu o reducere semnificativ\u0103 fa\u021b\u0103 de pre\u021bul de pia\u021b\u0103.<\/p>\n\n<h3 class=\"wp-block-heading\">Pasul 5: Ob\u021bine un Agreement in Principle (AIP)<\/h3>\n\n<p class=\"wp-block-paragraph\">\u00cenainte s\u0103 \u00eencepi s\u0103 cau\u021bi propriet\u0103\u021bi serios, ob\u021bine un Agreement in Principle (AIP) \u2014 o confirmare de la lender c\u0103 e\u0219ti eligibil pentru un mortgage de o anumit\u0103 sum\u0103. Acesta \u00ee\u021bi d\u0103 credibilitate \u00een fa\u021ba agen\u021bilor imobiliari \u0219i v\u00e2nz\u0103torilor \u0219i accelereaz\u0103 procesul odat\u0103 ce g\u0103se\u0219ti proprietatea dorit\u0103. Un broker mortgage independent te poate ajuta s\u0103 ob\u021bii AIP-ul rapid \u0219i de la lenderul cel mai potrivit profilului t\u0103u.<\/p>\n\n<h3 class=\"wp-block-heading\">Pasul 6: Procesul de cump\u0103rare pas cu pas<\/h3>\n\n<ol class=\"wp-block-list\">\n<li>G\u0103se\u0219ti proprietatea potrivit\u0103 cu ajutorul unui agent imobiliar<\/li>\n\n<li>Faci o ofert\u0103 \u0219i negociezi pre\u021bul<\/li>\n\n<li>Oferta este acceptat\u0103 \u2014 instructezi un solicitor sau conveyancer<\/li>\n\n<li>Aplici formal pentru mortgage cu ajutorul brokerului<\/li>\n\n<li>Lenderul face evaluarea propriet\u0103\u021bii<\/li>\n\n<li>Prime\u0219ti oferta formal\u0103 de mortgage<\/li>\n\n<li>Exchange of contracts \u2014 depui depozitul (10%)<\/li>\n\n<li>Completion \u2014 devii proprietarul casei!<\/li>\n<\/ol>\n\n<h3 class=\"wp-block-heading\">\u00centreb\u0103ri frecvente First Time Buyers<\/h3>\n\n<p class=\"wp-block-paragraph\"><strong>C\u00e2t timp dureaz\u0103 procesul de cump\u0103rare a primei case \u00een UK?<\/strong> De obicei 2-6 luni din momentul \u00een care oferta ta este acceptat\u0103. Cu un broker bun \u0219i documente preg\u0103tite, procesul poate fi mai rapid.<\/p>\n\n<p class=\"wp-block-paragraph\"><strong>Pot cump\u0103ra o cas\u0103 \u00een UK dac\u0103 sunt cet\u0103\u021bean non-britanic?<\/strong> Da, cet\u0103\u021benii UE \u0219i non-UE pot cump\u0103ra propriet\u0103\u021bi \u00een UK. Condi\u021bia principal\u0103 este s\u0103 ai drept de \u0219edere \u0219i un venit verificabil \u00een UK.<\/p>\n\n<p class=\"wp-block-paragraph\"><strong>Ce se \u00eent\u00e2mpl\u0103 dac\u0103 mortgage application mea este respins\u0103?<\/strong> Nu dispera\u021bi. Un broker independent poate identifica alte op\u021biuni sau lenderi alternativi. Uneori sunt necesare c\u00e2teva luni de preg\u0103tire financiar\u0103 suplimentar\u0103, iar brokerul te ghideaz\u0103 prin fiecare pas.<\/p>\n\n<p class=\"wp-block-paragraph\"><strong>Vrei s\u0103 cumperi prima ta cas\u0103 \u00een UK? Adrian Iovu te ghideaz\u0103 gratuit prin tot procesul. Sun\u0103 acum: 073 7575 2777 | <a href=\"http:\/\/www.iovumortgageservices.co.uk\">www.iovumortgageservices.co.uk<\/a><\/strong><\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Cump\u0103rarea primei case \u00een Marea Britanie este unul dintre cele mai importante momente din via\u021ba unui adult. Este \u0219i unul dintre cele mai complexe procese financiare \u2014 cu termeni noi, documente multe \u0219i decizii care te afecteaz\u0103 pe termen lung. Tocmai de aceea am creat acest ghid complet, g\u00e2ndit special pentru rom\u00e2nii care vor s\u0103 [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":302,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-301","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Cum cumperi prima cas\u0103 \u00een UK \u00een 2025 - Ghid pentru rom\u00e2ni<\/title>\n<meta name=\"description\" content=\"Ghid pas cu pas pentru first time buyers din UK. 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