{"id":17134,"date":"2022-07-26T08:59:42","date_gmt":"2022-07-26T08:59:42","guid":{"rendered":"https:\/\/transfergo.wpengine.com\/cum-sa-incepi-sa-economisesti-pentru-prima-ta-casa-fara-niciun-ban-in-plus"},"modified":"2025-05-15T04:42:04","modified_gmt":"2025-05-15T04:42:04","slug":"economii-pentru-prima-casa","status":"publish","type":"post","link":"https:\/\/develop.wpvip.tgalpha.com\/ro\/economii-pentru-prima-casa","title":{"rendered":"Cum s\u0103 faci economii pentru prima ta cas\u0103 f\u0103r\u0103 niciun ban \u00een plus"},"content":{"rendered":"\n<p><span style=\"font-weight: 400\">Fiecare familie viseaz\u0103 s\u0103 de\u021bin\u0103 propria cas\u0103, dar economisirea banilor necesari pentru un avans poate fi descurajant\u0103. Cu toate acestea, s-ar putea s\u0103 nu ai nevoie de at\u00e2t de mul\u021bi bani pe c\u00e2t crezi \u0219i, cu planificare financiar\u0103 corect\u0103 \u0219i <a href=\"_wp_link_placeholder\" data-wplink-edit=\"true\">economii<\/a> inteligente po\u021bi str\u00e2nge <\/span><span style=\"font-weight: 400\">pentru avansul de care ai nevoie.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400\">Este nevoie de un plan financiar bine pus la punct \u0219i de un angajament de a economisi suficien\u021bi bani pentru avans. Cite\u0219te cu \u00eencredere mai departe pentru a afla c\u00e2teva strategii pe care s\u0103 le iei \u00een considerare pentru a \u00eencepe s\u0103 economise\u0219ti pentru prima ta cas\u0103.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400\">Aici la <\/span><b>TransferGo<\/b><span style=\"font-weight: 400\"> vrem s\u0103 \u00ee\u021bi facem via\u021ba departe de cas\u0103 c\u00e2t mai u\u0219oar\u0103. Nu doar prin costurile noastre de transfer, care sunt printre cele mai mici pe care le po\u021bi avea atunci c\u00e2nd <\/span><span style=\"font-weight: 400\">transferi bani online<\/span><span style=\"font-weight: 400\"> \u0219i prin siguran\u021ba pe care \u021bi-o oferim, dar \u0219i prin toate aceste informa\u021bii pe care le preg\u0103tim pentru tine.<\/span><\/p>\n\n\n\n<div class=\"wp-block-rank-math-toc-block\" id=\"rank-math-toc\"><h2>Cuprins<\/h2><nav><ul><li class=\"\"><a href=\"#determina\u021bi-de-cat-de-mult-ave\u021bi-nevoie\">Determina\u021bi de c\u00e2t de mult ave\u021bi nevoie<\/a><\/li><li class=\"\"><a href=\"#valorifica\u021bi-va-banii-la-maximum\">Valorifica\u021bi-v\u0103 banii la maximum\u00a0<\/a><\/li><li class=\"\"><a href=\"#descarca-\u021bi-aplica\u021bia-transfer-go-\u0219i-alatura-te-celor-peste-3-5-milioane-de-utilizatori-din-intreaga-lume\">Descarc\u0103-\u021bi aplica\u021bia TransferGo<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"determina\u021bi-de-cat-de-mult-ave\u021bi-nevoie\"><span style=\"font-weight: 400\">Determina\u021bi de c\u00e2t de mult ave\u021bi nevoie<\/span><\/h2>\n\n\n\n<p><span style=\"font-weight: 400\">Primul pas este s\u0103 crea\u021bi un buget complet al casei. Calcula\u021bi-v\u0103 venitul lunar dup\u0103 impozitare, apoi compara\u021bi-l cu cheltuielile lunare. Ar trebui s\u0103 ave\u021bi un surplus \u00een fiecare lun\u0103. Dac\u0103 nu ave\u021bi suficient pentru a pune deoparte economii \u00een fiecare lun\u0103, analiza\u021bi-v\u0103 bugetul pentru a vedea dac\u0103 exist\u0103 <\/span><a href=\"https:\/\/develop.wpvip.tgalpha.com\/ro\/3-principii-de-baza-pentru-reducerea-cheltuielilor-cu-mancarea\/\"><span style=\"font-weight: 400\">cheltuieli pe care le pute\u021bi reduce<\/span><\/a><span style=\"font-weight: 400\"> pentru a ad\u0103uga mai mult la economii.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400\">Ca parte a procesului de \u00eentocmire a <\/span><a href=\"https:\/\/develop.wpvip.tgalpha.com\/ro\/buget-101-unde-ar-trebui-sa-ti-cheltui-banii-fiecare-luna-partea\/\"><span style=\"font-weight: 400\">bugetului<\/span><\/a><span style=\"font-weight: 400\">, determina\u021bi care este suma pe care o viza\u021bi pentru un avans. Pute\u021bi \u00eencepe prin a c\u0103uta online pentru a vedea cum arat\u0103 pre\u021burile locuin\u021belor \u00een zona voastr\u0103. Alege\u021bi unul sau dou\u0103 cartiere de interes \u0219i consulta\u021bi site-urile de c\u0103utare a locuin\u021belor pentru a v\u0103 face o idee despre costurile locuin\u021belor similare \u0219i despre suma de care a\u021bi avea nevoie pentru un avans. Cunoa\u0219terea sumei pentru avans v\u0103 va ajuta s\u0103 determina\u021bi c\u00e2t timp va dura probabil <\/span><a href=\"https:\/\/develop.wpvip.tgalpha.com\/ro\/6-sfaturi-pentru-ti-reduce-stresul-financiar-partea\/\"><span style=\"font-weight: 400\">s\u0103 economisi\u021bi<\/span><\/a><span style=\"font-weight: 400\"> ceea ce ave\u021bi nevoie.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400\">Dac\u0103 pute\u021bi, ar fi bine s\u0103 economisi\u021bi cel pu\u021bin 20 la sut\u0103 din pre\u021bul de achizi\u021bie pentru avans. Acest lucru v\u0103 va pune \u00eentr-o pozi\u021bie mai solid\u0103 pentru a v\u0103 califica pentru un credit ipotecar. Cu toate acestea, este posibil s\u0103 cump\u0103ra\u021bi o cas\u0103 cu mai pu\u021bin de 20 la sut\u0103 avans. Multe b\u0103nci ofer\u0103 ipoteci speciale pentru cump\u0103r\u0103torii de locuin\u021be pentru prima dat\u0103, care necesit\u0103 un avans de numai 5-10 la sut\u0103. Cu toate acestea, dac\u0103 pute\u021bi da un avans de 20 la sut\u0103, ve\u021bi pl\u0103ti mai pu\u021bin pentru cas\u0103 pe termen lung. Mai mult, v\u0103 ve\u021bi putea califica pentru o rat\u0103 a dob\u00e2nzii mai bun\u0103 la creditul imobiliar.<\/span><\/p>\n\n\n\n<p><i><span style=\"font-weight: 400\">\u0218tim c\u0103 mutarea \u00eentr-o alt\u0103 \u021bar\u0103 \u00eenseamn\u0103 multe eforturi.&nbsp;<\/span><\/i><\/p>\n\n\n\n<p><i><span style=\"font-weight: 400\">\u00censeamn\u0103 curajul de a pleca \u0219i de a fi departe de cei dragi.<\/span><\/i><\/p>\n\n\n\n<p><i><span style=\"font-weight: 400\">\u0218i tocmai de aceea, te ajut\u0103 s\u0103 \u0219tii c\u0103 banii t\u0103i sunt \u00een siguran\u021b\u0103.<\/span><\/i><\/p>\n\n\n\n<p><i><span style=\"font-weight: 400\">Ai nevoie s\u0103 transferi bani simplu, rapid \u0219i f\u0103r\u0103 comisioane bancare<\/span><\/i><i><span style=\"font-weight: 400\"> exagerate \u00een Rom\u00e2nia \u0219i nu numai.<\/span><\/i><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"valorifica\u021bi-va-banii-la-maximum\"><span style=\"font-weight: 400\">Valorifica\u021bi-v\u0103 banii la maximum&nbsp;<\/span><\/h2>\n\n\n\n<p><span style=\"font-weight: 400\">Pe m\u0103sur\u0103 ce v\u0103 str\u00e2nge\u021bi suma de bani, ave\u021bi nevoie de un loc sigur \u00een care s\u0103-i depozita\u021bi \u0219i s\u0103-i face\u021bi s\u0103 lucreze pentru voi. Merge\u021bi la sigur &#8211; evita\u021bi investi\u021biile riscante \u0219i alege\u021bi un cont de economii. Investi\u021biile ar putea fi atractive, dar rareori dau roade pe termen scurt \u0219i v\u0103 pute\u021bi pierde fondul de <\/span><a href=\"https:\/\/develop.wpvip.tgalpha.com\/ro\/cum-sa-incepi-sa-economisesti-bani\/\"><span style=\"font-weight: 400\">economii<\/span><\/a><span style=\"font-weight: 400\">. De asemenea, acestea nu sunt asigurate, spre deosebire de un cont bancar.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400\">Odat\u0103 ce v-a\u021bi deschis un cont de economii, pute\u021bi \u00eencepe s\u0103 pune\u021bi deoparte bani pentru plata avansului. \u00cen cazul \u00een care ave\u021bi un c\u00e2\u0219tig nea\u0219teptat, cum ar fi un bonus sau o m\u0103rire de salariu, asigura\u021bi-v\u0103 c\u0103 pune\u021bi banii \u00een plus \u00een fondul de economii pentru achizi\u021bionarea casei.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400\">Una dintre cele mai u\u0219oare modalit\u0103\u021bi de a economisi este reducerea cheltuielilor. Folosi\u021bi bugetul familiei pentru a identifica <\/span><a href=\"https:\/\/develop.wpvip.tgalpha.com\/ro\/buget-101-unde-ar-trebui-sa-ti-cheltui-banii-fiecare-luna-partea\/\"><span style=\"font-weight: 400\">cheltuielile<\/span><\/a><span style=\"font-weight: 400\"> pe care le pute\u021bi reduce. Pute\u021bi s\u0103 reduce\u021bi cheltuielile de alimentare? Dar utilit\u0103\u021bile, factura la cablu sau ie\u0219irile \u00een ora\u0219? Orice cheltuieli pe care le pute\u021bi reduce din buget ar trebui s\u0103 genereze mai multe fonduri pentru contul dvs. de economii.<\/span><\/p>\n\n\n\n<p><i><span style=\"font-weight: 400\">La TransferGo, \u00ee\u021bi oferim garan\u021bia c\u0103 banii t\u0103i ajung rapid \u0219i \u00een &nbsp; siguran\u021b\u0103 la cei dragi.<\/span><\/i><\/p>\n\n\n\n<p><i><span style=\"font-weight: 400\">\u0218i \u00ee\u021bi mai oferim ceva. Respectul pentru lupta ta pentru c\u0103 \u0219tim c\u00e2t Valorezi pentru Rom\u00e2nia!<\/span><\/i><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"descarca-\u021bi-aplica\u021bia-transfer-go-\u0219i-alatura-te-celor-peste-3-5-milioane-de-utilizatori-din-intreaga-lume\"><i><span style=\"font-weight: 400\">Descarc\u0103-\u021bi aplica\u021bia TransferGo<\/span><\/i><\/h2>\n\n\n\n<p><span style=\"font-weight: 400\">Dac\u0103 v\u0103 preg\u0103ti\u021bi s\u0103 cump\u0103ra\u021bi o cas\u0103, asigura\u021bi-v\u0103 c\u0103 v\u0103 adresa\u021bi unei b\u0103nci \u00een care pute\u021bi avea \u00eencredere \u0219i discuta\u021bi op\u021biunile de credit ipotecar. Ofi\u021berul de credite al b\u0103ncii va fi bucuros s\u0103 v\u0103 ajute s\u0103 v\u0103 califica\u021bi pentru un credit ipotecar pe care vi-l pute\u021bi permite cu u\u0219urin\u021b\u0103.<br><br><\/span><i><span style=\"font-weight: 400\">La final, dac\u0103 \u021bi-a prins bine articolul \u0219i ai aflat ceva folositor din el, <\/span><\/i><\/p>\n\n\n\n<p><i><span style=\"font-weight: 400\">d<\/span><\/i><i><span style=\"font-weight: 400\">\u0103<\/span><\/i><i><span style=\"font-weight: 400\">-l mai departe printr-un share p<\/span><\/i><i><span style=\"font-weight: 400\">e <\/span><\/i><a href=\"https:\/\/www.facebook.com\/transfergo.romania\" target=\"_blank\" rel=\"noopener\"><i><span style=\"font-weight: 400\">Facebook<\/span><\/i><\/a> <i><span style=\"font-weight: 400\">\u0219<\/span><\/i><i><span style=\"font-weight: 400\">i WhatsApp, <\/span><\/i><i><\/i><\/p>\n\n\n\n<p><i><span style=\"font-weight: 400\">sau orice alt mijloc de social media pe care-l folose\u0219ti.<\/span><\/i><\/p>\n\n\n\n<p><span style=\"font-weight: 400\">Spor la<\/span> <span style=\"font-weight: 400\">bani<\/span><span style=\"font-weight: 400\"> de la noi de la <\/span><b>TransferGo<\/b><span style=\"font-weight: 400\">!&nbsp;<\/span><span style=\"font-weight: 400\"><br>\n<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Fiecare familie viseaz\u0103 s\u0103 de\u021bin\u0103 propria cas\u0103, dar economisirea banilor necesari pentru un avans poate fi descurajant\u0103. Cu toate acestea, s-ar putea s\u0103 nu ai nevoie de at\u00e2t de mul\u021bi bani pe c\u00e2t crezi \u0219i, cu planificare financiar\u0103 corect\u0103 \u0219i economii inteligente po\u021bi str\u00e2nge pentru avansul de care ai nevoie. Este nevoie de un plan [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":17135,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[1310,1326,1322],"tags":[],"business_case_studies_tags":[],"class_list":["post-17134","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finante-personale","category-munca-in-strainatate","category-viata-in-strainatate"],"jetpack_featured_media_url":"https:\/\/develop.wpvip.tgalpha.com\/wp-content\/uploads\/2022\/11\/220106_Blogs_UA_January_Rent_MG-1.jpg","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/develop.wpvip.tgalpha.com\/ro\/wp-json\/wp\/v2\/posts\/17134","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/develop.wpvip.tgalpha.com\/ro\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/develop.wpvip.tgalpha.com\/ro\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/develop.wpvip.tgalpha.com\/ro\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/develop.wpvip.tgalpha.com\/ro\/wp-json\/wp\/v2\/comments?post=17134"}],"version-history":[{"count":1,"href":"https:\/\/develop.wpvip.tgalpha.com\/ro\/wp-json\/wp\/v2\/posts\/17134\/revisions"}],"predecessor-version":[{"id":248289,"href":"https:\/\/develop.wpvip.tgalpha.com\/ro\/wp-json\/wp\/v2\/posts\/17134\/revisions\/248289"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/develop.wpvip.tgalpha.com\/ro\/wp-json\/wp\/v2\/media\/17135"}],"wp:attachment":[{"href":"https:\/\/develop.wpvip.tgalpha.com\/ro\/wp-json\/wp\/v2\/media?parent=17134"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/develop.wpvip.tgalpha.com\/ro\/wp-json\/wp\/v2\/categories?post=17134"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/develop.wpvip.tgalpha.com\/ro\/wp-json\/wp\/v2\/tags?post=17134"},{"taxonomy":"business_case_studies_tags","embeddable":true,"href":"https:\/\/develop.wpvip.tgalpha.com\/ro\/wp-json\/wp\/v2\/business_case_studies_tags?post=17134"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}