{"id":473,"date":"2026-04-10T21:09:58","date_gmt":"2026-04-10T21:09:58","guid":{"rendered":"https:\/\/iovufinancialservices.co.uk\/?p=473"},"modified":"2026-04-10T21:11:44","modified_gmt":"2026-04-10T21:11:44","slug":"diferente-intre-cumparatorii-aflati-la-prima-achizitie-si-cei-care-au-mai-cumparat-o-casa","status":"publish","type":"post","link":"https:\/\/iovufinancialservices.co.uk\/ru\/2026\/04\/10\/diferente-intre-cumparatorii-aflati-la-prima-achizitie-si-cei-care-au-mai-cumparat-o-casa\/","title":{"rendered":"\u0420\u0430\u0437\u043b\u0438\u0447\u0438\u044f \u043c\u0435\u0436\u0434\u0443 \u043f\u043e\u043a\u0443\u043f\u0430\u0442\u0435\u043b\u044f\u043c\u0438, \u043f\u0440\u0438\u043e\u0431\u0440\u0435\u0442\u0430\u044e\u0449\u0438\u043c\u0438 \u0436\u0438\u043b\u044c\u0451 \u0432\u043f\u0435\u0440\u0432\u044b\u0435, \u0438 \u0442\u0435\u043c\u0438, \u043a\u0442\u043e \u0443\u0436\u0435 \u043f\u043e\u043a\u0443\u043f\u0430\u043b \u043d\u0435\u0434\u0432\u0438\u0436\u0438\u043c\u043e\u0441\u0442\u044c"},"content":{"rendered":"
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Dac\u0103 e\u0219ti cump\u0103r\u0103tor pentru prima dat\u0103, ai un avantaj semnificativ fa\u021b\u0103 de cineva care deja de\u021bine o proprietate \u0219i trebuie s\u0103 o v\u00e2nd\u0103 pentru a cump\u0103ra alta. \u00cen momentul \u00een care faci o ofert\u0103 pentru o locuin\u021b\u0103, agen\u021bii imobiliari \u0219i v\u00e2nz\u0103torii te vor privi ca pe un candidat mai atractiv. Dac\u0103 oferta ta este la fel de mare ca a cuiva care trebuie mai \u00eent\u00e2i s\u0103 \u00ee\u0219i v\u00e2nd\u0103 casa, faptul c\u0103 tu e\u0219ti la prima achizi\u021bie te face un cump\u0103r\u0103tor mai sigur \u0219i mai rapid.<\/span><\/p>\n

Un alt avantaj major pentru primii cump\u0103r\u0103tori este legat de <\/span>impozitul pe tranzac\u021bii<\/b> (Stamp Duty). Nu pl\u0103te\u0219ti deloc impozit p\u00e2n\u0103 la valoarea de 425.000 \u00a3, spre deosebire de cei care cump\u0103r\u0103 o a doua locuin\u021b\u0103 \u0219i pl\u0103tesc taxe mai mari.<\/span><\/p>\n

Ce este o aprobare \u00een principiu pentru ipotec\u0103?<\/b><\/p>\n

Aprobarea \u00een principiu (numit\u0103 \u0219i decizie preliminar\u0103 sau acord de principiu) este un certificat emis de creditor, prin care se confirm\u0103 c\u0103 ai fost evaluat \u0219i e\u0219ti eligibil s\u0103 \u00eemprumu\u021bi p\u00e2n\u0103 la o anumit\u0103 sum\u0103.<\/span><\/p>\n

Acest document are dou\u0103 beneficii majore:<\/span><\/p>\n

    \n
  1. Te ajut\u0103 s\u0103 \u0219tii ce buget real ai<\/b> \u2013 astfel evi\u021bi s\u0103 cau\u021bi locuin\u021be peste posibilit\u0103\u021bile tale.<\/span>

    <\/span><\/li>\n
  2. \u00ce\u021bi cre\u0219te \u0219ansele la negociere<\/b> \u2013 atunci c\u00e2nd faci o ofert\u0103, demonstrezi c\u0103 e\u0219ti un cump\u0103r\u0103tor serios \u0219i deja preaprobat.<\/span>

    <\/span><\/li>\n<\/ol>\n

    De exemplu:<\/span><\/p>\n

      \n
    • Cump\u0103r\u0103torul A ofer\u0103 300.000 \u00a3, dar nu are aprobare \u00een principiu, nici avocat preg\u0103tit \u0219i nici dovada depozitului.<\/span>

      <\/span><\/li>\n
    • Cump\u0103r\u0103torul B ofer\u0103 aceea\u0219i sum\u0103, are acordul \u00een principiu, dovada depozitului \u0219i un avocat preg\u0103tit.<\/span>

      <\/span><\/li>\n<\/ul>\n

      Este evident c\u0103 v\u00e2nz\u0103torul va considera oferta cump\u0103r\u0103torului B mai sigur\u0103.<\/span><\/p>\n

      Totu\u0219i, trebuie re\u021binut c\u0103 aprobarea \u00een principiu <\/span>nu este oferta final\u0103 de ipotec\u0103<\/b>. Ea este valabil\u0103, de regul\u0103, 3 luni \u0219i poate fi influen\u021bat\u0103 de schimb\u0103ri \u00een venitul t\u0103u sau de modul \u00een care creditorul \u00ee\u021bi analizeaz\u0103 dosarul la depunerea cererii finale.<\/span><\/p>\n

      C\u00e2t po\u021bi \u00eemprumuta ca prim cump\u0103r\u0103tor?<\/b><\/p>\n

      Suma variaz\u0103 \u00een func\u021bie de mai mul\u021bi factori, dar regula general\u0103 este de aproximativ <\/span>4,5 ori venitul anual<\/b> al aplican\u021bilor.<\/span>
      <\/span> Unii creditori pot merge chiar p\u00e2n\u0103 la <\/span>5,5 ori venitul<\/b>, dac\u0103 ai un salariu mai mare (de obicei peste 50.000 \u00a3) \u0219i un depozit consistent (minim 15%).<\/span><\/p>\n

      De aceea, este important s\u0103 discu\u021bi cu un consilier financiar pentru a-\u021bi maximiza \u0219ansele \u0219i bugetul.<\/span><\/p>\n

      Ce depozit \u00ee\u021bi trebuie ca prim cump\u0103r\u0103tor?<\/b><\/p>\n

      Depozitul minim este de <\/span>5% din valoarea propriet\u0103\u021bii<\/b>.<\/span>
      <\/span> Totu\u0219i, cu c\u00e2t depozitul este mai mic, cu at\u00e2t dob\u00e2nda ipotecar\u0103 va fi mai mare. Motivul este simplu: pentru banc\u0103, riscul este mai ridicat.<\/span><\/p>\n

      Exemplu:<\/span><\/p>\n

        \n
      • Proprietate de 400.000 \u00a3<\/span>

        <\/span><\/li>\n
      • Avans de 5% = 20.000 \u00a3<\/span>

        <\/span><\/li>\n
      • Credit ipotecar: 380.000 \u00a3<\/span>

        <\/span><\/li>\n<\/ul>\n

        Dac\u0103 pia\u021ba imobiliar\u0103 scade cu 10%, banca ar putea s\u0103 piard\u0103 bani \u00een caz de executare. De aceea, dob\u00e2nzile sunt mai mari pentru avansuri mici \u0219i scad considerabil dac\u0103 ai un depozit mai mare (10-15%+).<\/span><\/p>\n

        Cum s\u0103 \u00ee\u021bi \u00eembun\u0103t\u0103\u021be\u0219ti scorul de credit \u00eenainte de a aplica?<\/b><\/p>\n

          \n
        • Asigur\u0103-te c\u0103 pl\u0103te\u0219ti toate facturile la timp.<\/span>

          <\/span><\/li>\n
        • Seteaz\u0103 pl\u0103\u021bile pe debit direct pentru a evita \u00eent\u00e2rzieri.<\/span>

          <\/span><\/li>\n
        • \u00censcrie-te pe lista electoral\u0103 (po\u021bi face asta online) \u2013 acest lucru \u00ee\u021bi cre\u0219te rapid scorul.<\/span>

          <\/span><\/li>\n
        • Verific\u0103 raportul de credit pentru erori sau datorii r\u0103mase neanulate (ex. abonamente de telefon sau utilit\u0103\u021bi).<\/span>

          <\/span><\/li>\n<\/ul>\n

          Po\u021bi folosi servicii precum <\/span>Check My File<\/b>, care centralizeaz\u0103 informa\u021biile din toate birourile de credit (Experian, Equifax, TransUnion), \u00een loc s\u0103 verifici fiecare raport separat.<\/span><\/p>\n

          \u00a0<\/p>\n

          Ajutoare disponibile pentru primii cump\u0103r\u0103tori<\/b><\/p>\n

            \n
          1. Reducerea impozitului pe tranzac\u021bii<\/b> \u2013 nu pl\u0103te\u0219ti p\u00e2n\u0103 la 425.000 \u00a3.<\/span>

            <\/span><\/li>\n
          2. Proprietate partajat\u0103 (Shared Ownership)<\/b> \u2013 cumperi doar un procent (ex. 50%) din cas\u0103, iar pentru restul pl\u0103te\u0219ti chirie. Ulterior, po\u021bi cump\u0103ra \u0219i restul.<\/span>

            <\/span><\/li>\n
          3. Ipotec\u0103 cu co-debitor<\/b> \u2013 p\u0103rin\u021bii sau rudele pot intra pe contract ca garan\u021bi, f\u0103r\u0103 a figura ca proprietari. Astfel, venitul lor se ia \u00een calcul, iar tu beneficiezi \u00een continuare de reducerea de taxe pentru prima achizi\u021bie.<\/span>

            <\/span><\/li>\n
          4. Schema \u201eHelp to Buy\u201d<\/b> \u2013 guvernul garanteaz\u0103 o parte din \u00eemprumut, ceea ce \u00ee\u021bi permite s\u0103 cumperi cu un avans mai mic. Totu\u0219i, exist\u0103 restric\u021bii (propriet\u0103\u021bi noi, dezvoltatori autoriza\u021bi etc.).<\/span>

            <\/span><\/li>\n<\/ol>\n

            Taxe implicate la prima achizi\u021bie<\/b><\/p>\n

              \n
            • Taxe de avocat<\/b> \u2013 \u00eentre 1.400 \u0219i 1.800 \u00a3 (\u00een func\u021bie de complexitatea tranzac\u021biei).<\/span>

              <\/span><\/li>\n
            • Taxe de evaluare<\/b> \u2013 uneori gratuite, alteori p\u00e2n\u0103 la 500 \u00a3.<\/span>

              <\/span><\/li>\n
            • Taxe de c\u0103utare \u0219i \u00eenregistrare<\/b> \u2013 pentru verific\u0103ri legale \u0219i \u00eenscrierea titlului de proprietate.<\/span>

              <\/span><\/li>\n
            • Impozitul pe tranzac\u021bii (Stamp Duty)<\/b> \u2013 scutit p\u00e2n\u0103 la 425.000 \u00a3.<\/span>

              <\/span><\/li>\n<\/ul>\n

              Dup\u0103 aprobarea ipotecii<\/b><\/p>\n

              Procesul se accelereaz\u0103:<\/span><\/p>\n

                \n
              1. Semnezi documentele \u0219i achi\u021bi taxele necesare.<\/span>

                <\/span><\/li>\n
              2. Creditorul transfer\u0103 banii c\u0103tre v\u00e2nz\u0103tor.<\/span>

                <\/span><\/li>\n
              3. Te ocupi de asigurarea cl\u0103dirii, mutare \u0219i actualizarea adresei.<\/span>

                <\/span><\/li>\n<\/ol>\n

                Te \u00eenregistrezi pentru taxele locale \u0219i \u00ee\u021bi planifici bugetul pentru eventuale cheltuieli neprev\u0103zute.<\/span>
                <\/span><\/p>\n

                \u00a0<\/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":"

                Dac\u0103 e\u0219ti cump\u0103r\u0103tor pentru prima dat\u0103, ai un avantaj semnificativ fa\u021b\u0103 de cineva care deja de\u021bine o proprietate \u0219i trebuie s\u0103 o v\u00e2nd\u0103 pentru a cump\u0103ra alta. \u00cen momentul \u00een care faci o ofert\u0103 pentru o locuin\u021b\u0103, agen\u021bii imobiliari \u0219i v\u00e2nz\u0103torii te vor privi ca pe un candidat mai atractiv. Dac\u0103 oferta ta este la […]<\/p>\n","protected":false},"author":2,"featured_media":474,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-473","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"yoast_head":"\nCum 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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