{"id":824,"date":"2024-02-29T18:05:48","date_gmt":"2024-02-29T16:05:48","guid":{"rendered":"https:\/\/123credit.ro\/blog\/?p=824"},"modified":"2024-08-07T12:14:33","modified_gmt":"2024-08-07T09:14:33","slug":"4-invataturi-din-17-ani-de-banking","status":"publish","type":"post","link":"https:\/\/123credit.ro\/blog\/4-invataturi-din-17-ani-de-banking\/","title":{"rendered":"4 \u00eenv\u0103\u021b\u0103turi din 17 ani de banking"},"content":{"rendered":"Timpul estimat pentru citire: <\/span> 3<\/span> minute<\/span><\/span>

\"\"<\/em><\/p>\n

Lucrez \u00een domeniul credit\u0103rii de peste 17 ani. Iat\u0103 ce am \u00eenv\u0103\u021bat:\u00a0<\/strong><\/p>\n

\u00cen ultimii 17 ani, pia\u021ba credit\u0103rii s-a schimbat destul de mult \u00een Rom\u00e2nia. \u00cen 2007 lumea st\u0103tea la coad\u0103 la b\u0103nci pentru o programare la un specialist \u00een creditare pentru un credit ipotecar. B\u0103ncile \u00eencepeau s\u0103 deschid\u0103 agen\u021bii \u00een toate cartierele, iar oamenii credeau c\u0103 aprobarea dosarului depinde de vreo \u201daten\u021bie\u201d l\u0103sat\u0103 pe sub mas\u0103 specialistului de credite. Publicul din Rom\u00e2nia avea s\u0103 fac\u0103 cuno\u0219tin\u021b\u0103 cu lumea corporatist\u0103. No\u021biunea de \u201eaten\u021bii\u201e nu f\u0103cea parte din aceast\u0103 lume.<\/p>\n

 <\/p>\n

De atunci s-au schimbat multe \u00een peisajul bancar.<\/p>\n

Dac\u0103 m-ar \u00eentreba cineva care sunt cele mai semnificative 4 lucruri cu care am r\u0103mas \u00een minte dup\u0103 ace\u0219ti ani, ar fi acestea:<\/p>\n

 <\/p>\n

1)\u00a0 \u00a0Niciodat\u0103 nu crede c\u0103 pre\u021burile nu pot merge mai sus.<\/strong><\/h4>\n

Pre\u021burile imobiliarelor sunt mereu mari. Este \u0219i normal, o cas\u0103 este cea mai important\u0103 investi\u021bie din via\u021ba majorit\u0103\u021bii dintre noi. \u0218i pentru c\u0103 acum ni se par mari, nu putem concepe c\u0103 vor cre\u0219te mai mult. \u201dUnde s\u0103 tot creasc\u0103? E prea mult.\u201d<\/p>\n

Dar propun s\u0103 vedem lucrurile dintr-o alt\u0103 perspectiv\u0103. Serviciile medicale sunt scumpe \u0219i mereu au fost. \u0218i, de exemplu, pe pia\u021ba cabinetelor stomatologice exist\u0103 o concuren\u021b\u0103 acerb\u0103, dar nimeni nu se a\u0219teapt\u0103 ca pre\u021burile s\u0103 scad\u0103 din cauza faptului c\u0103 acum ni se par mari.<\/p>\n

2)\u00a0<\/strong> \u00a0Nu compara suma total\u0103 de plat\u0103 la un credit ipotecar cu valoarea actual\u0103 a imobilului.<\/strong><\/h4>\n

Un credit ipotecar este pe termen foarte lung, zeci de ani. P\u00e2n\u0103 la finalizarea creditului, pre\u021burile vor fi mult mai mari \u0219i, mai important, valoarea banilor (deci a sumei totale de plat\u0103) va fi mult mai mic\u0103. Orice compara\u021bie cu pre\u021burile \u0219i valoarea de azi a banilor este contraproductiv\u0103.<\/p>\n

3)\u00a0 \u00a0<\/strong>Fii preg\u0103tit pentru r\u0103u, dar, la fel de important, fii la fel de preg\u0103tit \u0219i pentru bine<\/strong><\/h4>\n

\u00cen fiecare an apar articole \u00een pres\u0103 care anun\u021b\u0103 c\u0103 ACESTA este anul, anul \u00een care pia\u021ba va c\u0103dea. Am v\u0103zut acela\u0219i articol de pres\u0103 pe aceast\u0103 tem\u0103 care se repet\u0103 an de an de mai bine de 7 ani. Cunosc oameni care a\u0219teapt\u0103 de ani de zile acea c\u0103dere \u0219i au pierdut enorm din cauza scumpirilor. \u00cenc\u0103 a\u0219teapt\u0103. Nu e c\u0103 pia\u021ba nu poate c\u0103dea sau c\u0103 nu e foarte probabil s\u0103 o \u0219i fac\u0103 la un punct, dar nu cred ca aceast\u0103 a\u0219teptare trebuie s\u0103 fie la baza celei mai importante decizii financiare din via\u021ba multora dintre noi. A\u0219tept\u00e2nd c\u0103derea, au pierdut oportunitatea de a accesa un credit ipotecar.<\/p>\n

4)\u00a0 \u00a0<\/strong>Nu te supra\u00eendatora<\/strong><\/h4>\n

Exist\u0103 dou\u0103 motive majore care stau la baza deciziei de a ne \u00eentinde mai mult dec\u00e2t plapuma c\u00e2nd vine vorba de accesarea unui credit ipotecar.<\/p>\n

Primul ar fi frica de a nu pierde oportunitatea, frica de a nu avea alt\u0103 ocazie precum aceasta.<\/p>\n

Al doilea motiv este l\u0103comia. Dac\u0103 toat\u0103 lumea crede c\u0103 pre\u021burile vor cre\u0219te, de ce s\u0103 nu investesc mai mult, ce am de pierdut.<\/p>\n

Trebuie s\u0103 \u021binem cont c\u0103 atunci c\u00e2nd vorbim de probabilitatea cre\u0219terii pre\u021burilor, vorbim de un orizont de timp mediu sau lung, \u00eentr-un termen lung pot exista episoade de cre\u0219teri ale dob\u00e2nzilor sau sc\u0103dere a pre\u021burilor, de multe ori concomitent. Asta pe l\u00e2ng\u0103 cheltuieli neprev\u0103zute care pot ap\u0103rea sau probleme privind men\u021binerea venitului. Ac\u021biune, da, dar la fel \u0219i precau\u021bie.<\/p>\n

 <\/p>\n

???? <\/span><\/span>Mai presus de aceste lucruri, cred c\u0103 este \u00eencrederea \u00een propriile decizii. Nu putem cunoa\u0219te sau anticipa pe deplin viitorul, dar putem lua cea mai bun\u0103 decizie pe baza datelor pe care le avem la acel moment.<\/p>\n

 <\/p>\n","protected":false},"excerpt":{"rendered":"

Timpul estimat pentru citire: <\/span> 3<\/span> minute<\/span><\/span>Lucrez \u00een domeniul credit\u0103rii de peste 17 ani. Iat\u0103 ce am \u00eenv\u0103\u021bat:\u00a0 \u00cen ultimii 17 ani, pia\u021ba credit\u0103rii s-a schimbat destul de mult \u00een Rom\u00e2nia. \u00cen 2007 lumea st\u0103tea la coad\u0103 la b\u0103nci pentru o programare la un specialist \u00een creditare pentru un credit ipotecar. B\u0103ncile \u00eencepeau s\u0103 deschid\u0103 agen\u021bii \u00een toate cartierele, iar oamenii credeau c\u0103 aprobarea dosarului depinde […]<\/p>\n","protected":false},"author":9,"featured_media":825,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[52],"tags":[],"class_list":["post-824","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-vocea-brokerului"],"yoast_head":"\n4 \u00eenv\u0103\u021b\u0103turi din 17 ani de banking - Blogul 123Credit<\/title>\n<meta name=\"description\" content=\"\u00cen ultimii 17 ani, pia\u021ba credit\u0103rii s-a schimbat destul de mult \u00een Rom\u00e2nia. \u00cen 2007 lumea st\u0103tea la coad\u0103 la b\u0103nci pentru o programare la\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/123credit.ro\/blog\/4-invataturi-din-17-ani-de-banking\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"4 \u00eenv\u0103\u021b\u0103turi din 17 ani de banking - 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