{"id":7393,"date":"2021-08-02T03:31:43","date_gmt":"2021-08-02T03:31:43","guid":{"rendered":"https:\/\/financial247.co.uk\/?p=7393"},"modified":"2025-04-01T19:45:45","modified_gmt":"2025-04-01T19:45:45","slug":"is-it-worth-getting-a-mortgage-in-the-uk-in-2021","status":"publish","type":"post","link":"https:\/\/financial247.co.uk\/ro\/is-it-worth-getting-a-mortgage-in-the-uk-in-2021\/","title":{"rendered":"Merit\u0103 s\u0103 ob\u021bine\u021bi o ipotec\u0103 \u00een Marea Britanie \u00een 2021?"},"content":{"rendered":"<p>Ast\u0103zi, vom discuta despre ipoteci, ce sunt \u0219i dac\u0103 merit\u0103 s\u0103 ne lu\u0103m una anul acesta.<\/p>\n<p>Pentru \u00eencep\u0103tori, s\u0103 \u00eencepem \u00eencet. Ce este o ipotec\u0103?<\/p>\n<p>Un credit ipotecar este un \u00eemprumut contractat de persoane fizice sau juridice pentru a-\u0219i cump\u0103ra casa visurilor lor.<\/p>\n<p>Este cel mai probabil cea mai mare achizi\u021bie pe care o ve\u021bi face \u00een via\u021b\u0103. Pentru aceasta, devine obligatoriu s\u0103 v\u0103 pute\u021bi permite s\u0103 ob\u021bine\u021bi un \u00eemprumut.<\/p>\n<p>Acest \u00eemprumut poate dura aproximativ 25 de ani, dar durata poate fi diferit\u0103 \u00een func\u021bie de planul pe care \u00eel alege\u021bi. Entitatea de la care ob\u021bine\u021bi un credit ipotecar garanteaz\u0103 acest \u00eemprumut \u00eempotriva valorii locuin\u021bei \u00een majoritatea cazurilor. \u00cen continuare, urmeaz\u0103 de unde ob\u021bine\u021bi un credit ipotecar?<\/p>\n<p>Pute\u021bi solicita un credit ipotecar direct prin intermediul unei b\u0103nci. \u00cen plus, exist\u0103 brokeri ipotecari care v\u0103 pot ajuta s\u0103 ob\u021bine\u021bi o ofert\u0103 bun\u0103. Totu\u0219i, \u00eenainte de a merge la un broker sau la un consilier, este mai \u00een\u021belept s\u0103 ob\u021bine\u021bi un <strong>gratuit<\/strong> raportul de credit de la birouri precum Callcredit, Equifax \u0219i Experian. Apoi pute\u021bi vorbi cu unii consilieri ipotecari pentru a ob\u021bine asisten\u021b\u0103 profesional\u0103 \u00een selectarea celei mai bune op\u021biuni de credit ipotecar pentru dumneavoastr\u0103. S\u0103 \u0219ti\u021bi c\u0103 b\u0103ncile \u0219i societ\u0103\u021bile de construc\u021bii au astfel de consilieri care s\u0103 v\u0103 \u00eendrume, de asemenea.<\/p>\n<p>Ca \u00een orice chestiune juridic\u0103, ve\u021bi avea nevoie de c\u00e2teva documente pe care le solicit\u0103 creditorul. Unele documente comune sunt,<\/p>\n<ul>\n<li>Fi\u0219e de plat\u0103<\/li>\n<li>Dovada re\u0219edin\u021bei<\/li>\n<li>Extrase de cont bancar<\/li>\n<li>Dovada pensiei sau a presta\u021biilor primite<\/li>\n<li>Declara\u021bii fiscale<\/li>\n<\/ul>\n<p>Procesul dureaz\u0103 \u00een general \u00eentre 18 \u0219i 40 de zile pentru un credit ipotecar. \u00cen cazurile complexe, poate dura chiar mai mult.<\/p>\n<p>Acum c\u0103 \u0219ti\u021bi ce este o ipotec\u0103 \u0219i cum func\u021bioneaz\u0103, s\u0103 analiz\u0103m diferitele tipuri de ipoteci.<\/p>\n<ul>\n<li><strong>Ipoteci cu rat\u0103 fix\u0103<\/strong><\/li>\n<\/ul>\n<p>Dup\u0103 cum sugereaz\u0103 \u0219i numele, acestea sunt credite ipotecare pentru care beneficiarul pl\u0103te\u0219te o rat\u0103 fix\u0103 a dob\u00e2nzii pe toat\u0103 perioada de timp. Chiar dac\u0103 rata dob\u00e2nzii de pe pia\u021b\u0103 fluctueaz\u0103, rata dumneavoastr\u0103 va r\u0103m\u00e2ne aceea\u0219i.<\/p>\n<p>Dezavantajul creditelor ipotecare fixe este c\u0103 acestea r\u0103m\u00e2n neschimbate \u0219i atunci c\u00e2nd ratele dob\u00e2nzilor scad. \u00cen reclamele lor, ve\u021bi g\u0103si adesea o perioad\u0103 de timp urmat\u0103 de <em>fix <\/em>rata dob\u00e2nzii pe durata respectiv\u0103. De exemplu, o <em>rat\u0103 fix\u0103 a dob\u00e2nzii pe doi ani 12%. <\/em><\/p>\n<ul>\n<li><strong>Ipoteci cu rat\u0103 variabil\u0103<\/strong><\/li>\n<\/ul>\n<p>\u00cen cazul acestui tip de ipotec\u0103, rata se poate modifica \u00een orice moment.<\/p>\n<p>Exist\u0103 \u0219i diferite tipuri de credite ipotecare variabile - rata variabil\u0103 standard sau SVR (a\u0219a cum este denumit\u0103 \u00een mod popular), creditul ipotecar cu discount, creditul ipotecar tracker \u0219i creditele ipotecare cu plafon.<\/p>\n<ol>\n<li><strong>Standard Variable Rate (Rata variabla standard)<\/strong><\/li>\n<\/ol>\n<p>O rat\u0103 variabil\u0103 standard este o rat\u0103 a dob\u00e2nzii pe termen lung . \u00cen cele mai multe cazuri, durata unei rate variabile standard (SVR) \u00eencepe odat\u0103 ce se \u00eencheie perioada de dob\u00e2nd\u0103 fix\u0103.<\/p>\n<p>Cu toate acestea, unii creditori respect\u0103, de asemenea, SVR ca rat\u0103 normal\u0103 a dob\u00e2nzii. Aceasta \u00eenseamn\u0103 c\u0103 SVR ac\u021bioneaz\u0103 ca rat\u0103 decis\u0103 de creditorul ipotecar. Pe parcursul perioadei de creditare, ace\u0219tia pot modifica rata \u00een orice moment.<\/p>\n<p>\u00cen afar\u0103 de dezavantajul evident, cump\u0103r\u0103torii de locuin\u021be au un avantaj cert cu un SVR - libertatea!<\/p>\n<ol start=\"2\">\n<li><strong>Ipoteci cu discount<\/strong><\/li>\n<\/ol>\n<p>Un credit ipotecar cu discount nu este altceva dec\u00e2t o reducere oferit\u0103 pentru o anumit\u0103 perioad\u0103 de c\u0103tre creditori la rata variabil\u0103 standard. Aceste rate reduse dureaz\u0103 doar pentru o perioad\u0103 limitat\u0103 (\u00eentre unu \u0219i trei ani).<\/p>\n<p>Ave\u021bi grij\u0103 s\u0103 v\u0103 c\u00e2nt\u0103ri\u021bi op\u021biunile. Deoarece SVR-urile difer\u0103 de la un creditor la altul. Ceea ce \u00eenseamn\u0103 c\u0103 o reducere mai mare nu v\u0103 va aduce \u00eentotdeauna cea mai mic\u0103 rat\u0103 a dob\u00e2nzii. A\u0219adar, nu uita\u021bi s\u0103 v\u0103 face\u021bi calculele.<\/p>\n<p>Lua\u021bi \u00een considerare acest exemplu simplu:<\/p>\n<p>Banca A \u0219i Banca B ofer\u0103 o reducere de 2% \u0219i, respectiv, o reducere de 1,5%. Cu toate acestea, Banca A are o SVR de 7%, \u00een timp ce Banca B are o SVR de 5%. Dac\u0103 faci calculele, pl\u0103te\u0219ti o rat\u0103 a dob\u00e2nzii mai mic\u0103 cu Banca B, \u00een ciuda reducerii mai mici.<\/p>\n<ol start=\"3\">\n<li><strong>Ipoteci Tracker<\/strong><\/li>\n<\/ol>\n<p>Ipotecile cu rat\u0103 de urm\u0103rire func\u021bioneaz\u0103 \u00een sincron cu rata B\u0103ncii Angliei. Dac\u0103 aceasta cre\u0219te, creditele ipotecare tracker cresc odat\u0103 cu ea, iar dac\u0103 rata de baz\u0103 scade, pute\u021bi mul\u021bumi B\u0103ncii Angliei. \u00cen func\u021bie de creditor, pute\u021bi alege \u00eentre tracker pe via\u021b\u0103 \u0219i tracker la termen.<\/p>\n<p>De asemenea, creditele ipotecare tracker sunt variabile. Astfel, dac\u0103 rata de baz\u0103 cre\u0219te cu 1%, rata dumneavoastr\u0103 cre\u0219te simultan \u0219i ea cu 1%.<\/p>\n<ol start=\"4\">\n<li><strong>Capped rate mortgages (Ipotecile cu plafon)<\/strong><\/li>\n<\/ol>\n<p>Acesta este interesant. \u00cen cazul unui credit ipotecar cu rat\u0103 plafonat\u0103, rata continu\u0103 s\u0103 evolueze \u00een concordan\u021b\u0103 cu SVR a furnizorului dvs. de credite ipotecare. DAR plafonul reprezint\u0103 cre\u0219terea maxim\u0103 pe care o poate face creditorul.<\/p>\n<p>Principalul avantaj \u00een acest caz este certitudinea c\u0103 rata dob\u00e2nzii nu va dep\u0103\u0219i un anumit nivel. Rata poate sc\u0103dea, dar nu poate cre\u0219te peste nivelul fixat.<\/p>\n<p>Desigur, creditorii au stabilit un plafon destul de ridicat. Deci, nu este un avantaj prea mare, dac\u0103 m\u0103 \u00eentreba\u021bi pe mine. Creditorul poate cre\u0219te rata p\u00e2n\u0103 la nivelul plafonului oric\u00e2nd dore\u0219te. Nu ai ce s\u0103 faci \u00een privin\u021ba asta.<\/p>\n<ul>\n<li><strong>Ipoteci compensate<\/strong><\/li>\n<\/ul>\n<p>Creditul ipotecar compensat poate p\u0103rea confuz la \u00eenceput, dar odat\u0103 ce \u00een\u021belege\u021bi conceptul, este destul de simplu.<\/p>\n<p>\u00cen cazul unei ipoteci cu compensare, contul dvs. de economii \u0219i contul bancar curent sunt legate de ipotec\u0103. Cu mine p\u00e2n\u0103 acum? Bine.<\/p>\n<p>Apoi, trebuie s\u0103 pl\u0103ti\u021bi doar dob\u00e2nda pentru diferen\u021ba. Pl\u0103ti\u021bi \u00een continuare datoria \u00een fiecare lun\u0103. Cu toate acestea, economiile dvs. v\u0103 ajut\u0103 s\u0103 achita\u021bi ipoteca mai devreme dec\u00e2t a\u021bi face-o \u00een mod normal.<\/p>\n<p>Acesta a fost ultimul tip de ipotec\u0103 pe care este posibil s\u0103 \u00eel \u00eent\u00e2lni\u021bi. Acestea fiind spuse, haide\u021bi s\u0103 analiz\u0103m prezentarea general\u0103 \u0219i previziunile pie\u021bei ipotecare din 2021.<\/p>\n<p>Perspectivele pentru 2021 vor depinde \u00een mare m\u0103sur\u0103 de un singur termen-Brexit. \u0218i de pandemie, bine\u00een\u021beles. Dar ce este Brexit? Haide\u021bi s\u0103 afl\u0103m.<\/p>\n<p>Brexit este un termen care desemneaz\u0103 ie\u0219irea Regatului Unit din Uniunea European\u0103 \u0219i din Euratom. Aceasta a \u00eenceput la 1 februarie<sup>st<\/sup>, 2020, \u0219i a f\u0103cut ravagii pe pia\u021ba ipotecar\u0103.<\/p>\n<p>Dup\u0103 p\u0103rerea mea, g\u0103sirea unui plan corect de credit ipotecar fix este o alegere inteligent\u0103 pentru oricine dore\u0219te s\u0103 cumpere o proprietate. O mul\u021bime de incertitudini \u00eenconjoar\u0103 retragerea Regatului Unit din Uniunea European\u0103. \u00cen mod firesc, aceasta nu ajut\u0103 la calmarea consumatorilor, acest lucru este sigur. Pentru a v\u0103 ajuta s\u0103 v\u0103 lini\u0219ti\u021bi nervii, voi prezice amploarea impactului pe care aceast\u0103 plecare l-ar putea avea asupra industriei ipotecare \u0219i imobiliare.<\/p>\n<p>\u00cen aceste condi\u021bii, majoritatea economi\u0219tilor prev\u0103d o sc\u0103dere a ratelor dob\u00e2nzilor. Totu\u0219i, aceasta este doar o predic\u021bie, Banca Angliei s-ar putea s\u0103 nu g\u00e2ndeasc\u0103 astfel. Nu exist\u0103 nicio garan\u021bie, \u00een ciuda faptului c\u0103 majoritatea oamenilor prezic acest lucru.<\/p>\n<p>Cel mai bun mod de a fi siguri dup\u0103 Brexit \u0219i un 2020 plin de taxe este s\u0103 c\u0103uta\u021bi un credit ipotecar cu rat\u0103 fix\u0103.<\/p>\n<p>Istoria arat\u0103 c\u0103, \u00een vremuri dificile ca acestea, situa\u021bia economic\u0103 duce la sc\u0103derea ratelor ipotecare. De exemplu, \u00een iunie 2016, Banca Angliei a sc\u0103zut rata la 0,25%. Aceasta a fost cea mai mic\u0103 sc\u0103dere a ratei ipotecare din ultimii peste zece ani.<\/p>\n<p>Pe baza a ceea ce am v\u0103zut p\u00e2n\u0103 acum, tendin\u021ba general\u0103 indic\u0103 o reducere a ratelor ipotecare \u00een viitor. Persoanele care pl\u0103tesc un credit ipotecar variabil ar fi putut observa c\u0103 ratele lor s-au redus \u00een ultimele c\u00e2teva luni. Pentru a ob\u021bine cea mai bun\u0103 ofert\u0103, recomand s\u0103 a\u0219tepta\u021bi c\u00e2teva luni \u0219i s\u0103 observa\u021bi pia\u021ba \u00eenainte de a ob\u021bine un \u00eemprumut. Dac\u0103 rata dob\u00e2nzii scade, pute\u021bi beneficia dac\u0103 sunte\u021bi \u00eemprumutat, iar dac\u0103 aceasta cre\u0219te, invers.<\/p>\n<p>S\u0103 \u00een\u021belegem sui\u0219urile \u0219i cobor\u00e2\u0219urile din industria ipotecar\u0103 cu exemplul recesiunii pe care am cunoscut-o \u00een urm\u0103 cu un deceniu. \u00cen timpul acestei perioade de turbulen\u021be economice, majoritatea oamenilor s-au confruntat cu provoc\u0103ri extraordinare.<\/p>\n<p>\u00centre <a href=\"https:\/\/esrc.ukri.org\/public-engagement\/social-science-for-schools\/resources\/the-global-financial-crisis\/#:~:text=The%20financial%20crisis%20led%20to,million%20people%20lost%20their%20jobs.&amp;text=Poor%20growth%20is%20the%20number%20one%20economic%20problem%20facing%20Britain%20today.%E2%80%9D\">2008<\/a> \u0219i <a href=\"https:\/\/esrc.ukri.org\/public-engagement\/social-science-for-schools\/resources\/the-global-financial-crisis\/#:~:text=The%20financial%20crisis%20led%20to,million%20people%20lost%20their%20jobs.&amp;text=Poor%20growth%20is%20the%20number%20one%20economic%20problem%20facing%20Britain%20today.%E2%80%9D\">2009<\/a>, mul\u021bi oameni au \u00eenceput s\u0103 \u00ee\u0219i piard\u0103 locurile de munc\u0103 \u0219i casele dup\u0103 ce pia\u021ba imobiliar\u0103 a \u00eenceput s\u0103 se pr\u0103bu\u0219easc\u0103. Potrivit datelor, a devenit dificil pentru b\u0103nci s\u0103 \u00eemprumute bani, ceea ce le-a determinat s\u0103 reduc\u0103 semnificativ \u00eemprumuturile \u0219i ipotecile.<\/p>\n<p>S\u0103 ne \u00eentoarcem la prezent acum. Blocajul a afectat pre\u021burile locuin\u021belor \u0219i exist\u0103 o cre\u0219tere a cump\u0103r\u0103rii de locuin\u021be. Dar este 2021 cel mai bun moment pentru a ob\u021bine un credit ipotecar mai ales \u00een Marea Britanie?<\/p>\n<p>Sincronizarea joac\u0103 un rol esen\u021bial \u00een industria ipotecar\u0103. Iar acum, momentul este c\u00e2t se poate de bun dup\u0103 o pandemie mondial\u0103. Pia\u021ba este echilibrat\u0103, ceea ce este grozav dac\u0103 m\u0103 \u00eentreba\u021bi pe mine.<\/p>\n<p>Chiar \u0219i a\u0219a, este normal s\u0103 v\u0103 face\u021bi griji \u00een leg\u0103tur\u0103 cu ob\u021binerea unui credit ipotecar. La urma urmei, o ve\u021bi pl\u0103ti timp de zeci de ani.<\/p>\n<p>Indiferent ce alege\u021bi s\u0103 face\u021bi, asigura\u021bi-v\u0103 c\u0103 ave\u021bi \u00een vedere urm\u0103toarele aspecte. C\u00e2t de mult v\u0103 pute\u021bi permite s\u0103 pune\u021bi deoparte pentru un credit ipotecar \u00een fiecare lun\u0103? Pentru ce tip de ipotec\u0103 ar trebui s\u0103 opta\u021bi? V\u0103 pute\u021bi permite rata dob\u00e2nzii?<\/p>\n<p>Nu uita\u021bi de cheltuieli, cum ar fi facturile, m\u00e2ncarea \u0219i alte necesit\u0103\u021bi.<\/p>\n<p>C\u00e2nd vine vorba de cump\u0103rarea unei case, este acum sau niciodat\u0103. Dac\u0103 ve\u021bi continua s\u0103 a\u0219tepta\u021bi ca pia\u021ba s\u0103 fie perfect\u0103 pentru a ob\u021bine un credit ipotecar, ve\u021bi sf\u00e2r\u0219i prin a a\u0219tepta la nesf\u00e2r\u0219it.<\/p>\n<p>Cu o pia\u021b\u0103 at\u00e2t de echilibrat\u0103 cum este acum, v\u0103 recomand s\u0103 ob\u021bine\u021bi un credit ipotecar. Totu\u0219i, c\u0103uta\u021bi o op\u021biune cu rat\u0103 fix\u0103, deoarece stabilitatea nu poate fi garantat\u0103 pentru o perioad\u0103 lung\u0103 de timp.<\/p>\n<p>Dar, de asemenea, asigura\u021bi-v\u0103 c\u0103 efectua\u021bi o analiz\u0103 am\u0103nun\u021bit\u0103 a pie\u021bei \u00eenainte de a v\u0103 implica \u00een totalitate. Examina\u021bi pie\u021bele imobiliare \u0219i apoi alege\u021bi cea mai bun\u0103 op\u021biune. \u00cen acest moment, ob\u021binerea unei propriet\u0103\u021bi \u00een Londra nu poate da gre\u0219.<\/p>\n<p>Dac\u0103 dori\u021bi s\u0103 a\u0219tepta\u021bi un an \u00eenainte de a cump\u0103ra o cas\u0103, mai g\u00e2ndi\u021bi-v\u0103 o dat\u0103. Majoritatea comentatorilor (\u0219i eu!) sunt de acord c\u0103 pre\u021burile locuin\u021belor vor cre\u0219te \u00een urm\u0103torii ani.<\/p>\n<p>P\u00e2n\u0103 la urm\u0103, 2021 ar putea fi un an sigur pentru a ob\u021bine un credit ipotecar \u00een Marea Britanie.<\/p>\n<p>De asemenea, dac\u0103 ave\u021bi nevoie de sfaturi suplimentare cu privire la ipoteci sau dac\u0103 sunte\u021bi \u00een c\u0103utarea celei mai mici rate a dob\u00e2nzii pentru ipoteca dumneavoastr\u0103, nu ezita\u021bi s\u0103 ne contacta\u021bi la 020 8095 1000.<\/p>\n<p>Ne pute\u021bi contacta prin telefon, e-mail sau vizita site-ul nostru. Pentru mai multe informa\u021bii, vizita\u021bi pagina noastr\u0103 de Facebook sau contul nostru de Instagram. \u0218i nu uita\u021bi s\u0103 v\u0103 abona\u021bi la canalul nostru de Youtube pentru mai mult con\u021binut financiar.<\/p>","protected":false},"excerpt":{"rendered":"<p>Ast\u0103zi, vom discuta despre ipoteci, ce sunt \u0219i dac\u0103 merit\u0103 s\u0103 ne lu\u0103m una anul acesta. Pentru \u00eencep\u0103tori, s\u0103 \u00eencepem \u00eencet. Ce este o ipotec\u0103? Un credit ipotecar este un \u00eemprumut luat de persoane fizice sau juridice pentru a-\u0219i cump\u0103ra casa visurilor lor. Este cel mai probabil cea mai mare achizi\u021bie pe care o ve\u021bi face \u00een via\u021ba dumneavoastr\u0103. Pentru [...]<\/p>","protected":false},"author":1,"featured_media":7949,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[17],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Is it Worth Getting a Mortgage in the UK in 2021? - Financial247.co.uk<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/financial247.co.uk\/ro\/is-it-worth-getting-a-mortgage-in-the-uk-in-2021\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Is it Worth Getting a Mortgage in the UK in 2021? - Financial247.co.uk\" \/>\n<meta property=\"og:description\" content=\"Today, we will be discussing mortgages, what they are and if it is worth getting one this year. For beginners, let\u2019s start slow. What is a mortgage? A mortgage is a loan taken by individuals or companies to buy their dream home. It is most likely the largest purchase you\u2019ll make in your lifetime. 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