{"id":261,"date":"2026-08-19T16:32:03","date_gmt":"2026-08-19T16:32:03","guid":{"rendered":"https:\/\/deklarat.eu\/?p=261"},"modified":"2026-08-19T16:32:38","modified_gmt":"2026-08-19T16:32:38","slug":"prima-casa-plus-in-2026-cine-poate-beneficia-si-ce-garanteaza-statul","status":"publish","type":"post","link":"https:\/\/deklarat.eu\/en\/prima-casa-plus-in-2026-cine-poate-beneficia-si-ce-garanteaza-statul\/","title":{"rendered":"Prima Cas\u0103 Plus \u00een 2026: cine poate beneficia \u0219i ce garanteaz\u0103 statul?"},"content":{"rendered":"<p class=\"wp-block-paragraph\"><strong>Vrei s\u0103 cumperi o locuin\u021b\u0103 \u00een Republica Moldova? Programul \u201ePrima Cas\u0103 Plus\u201d permite accesarea unui credit ipotecar garantat par\u021bial de stat. DEKLARAT explic\u0103 ce ofer\u0103 programul, c\u00e2t po\u021bi \u00eemprumuta \u0219i ce \u00eenseamn\u0103, \u00een realitate, garan\u021bia statului.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Ce este \u201ePrima Cas\u0103 Plus\u201d?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u201ePrima Cas\u0103 Plus\u201d este continuarea \u0219i extinderea programului de stat \u201ePrima Cas\u0103\u201d.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Prin intermediul programului, persoanele fizice pot contracta de la b\u0103ncile participante credite ipotecare pentru achizi\u021bionarea unei locuin\u021be, iar&nbsp;<strong>statul garanteaz\u0103 o parte din credit<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Important: garan\u021bia statului nu \u00eenseamn\u0103 c\u0103 statul \u00ee\u021bi achit\u0103 locuin\u021ba sau o parte din rat\u0103. Este o garan\u021bie oferit\u0103 b\u0103ncii pentru o parte din creditul acordat beneficiarului.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>C\u00e2t po\u021bi \u00eemprumuta?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Plafonul maxim prev\u0103zut de program este de&nbsp;<strong>2,5 milioane de lei<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Prin extinderea programului, plafonul a crescut considerabil fa\u021b\u0103 de vechiul \u201ePrima Cas\u0103\u201d, unde limita era de 1 milion de lei.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Creditul poate fi contractat pe maximum 30 de ani<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Perioada maxim\u0103 de rambursare a fost extins\u0103 de la 25 la&nbsp;<strong>30 de ani<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">O perioad\u0103 mai lung\u0103 poate reduce valoarea ratei lunare, \u00eens\u0103 trebuie avut \u00een vedere c\u0103 o durat\u0103 mai mare a creditului poate \u00eensemna \u0219i un cost total mai mare al dob\u00e2nzii.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>C\u00e2t garanteaz\u0103 statul?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Procentul garan\u021biei depinde inclusiv de amplasarea \u0219i, \u00een anumite situa\u021bii, de vechimea locuin\u021bei.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pentru locuin\u021bele cump\u0103rate&nbsp;<strong>\u00een afara municipiului Chi\u0219in\u0103u<\/strong>, garan\u021bia poate ajunge la&nbsp;<strong>70%<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00cen municipiul&nbsp;<strong>Chi\u0219in\u0103u<\/strong>, cota standard este de&nbsp;<strong>50%<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pentru locuin\u021bele din Chi\u0219in\u0103u date \u00een exploatare cu cel mult 10 ani \u00eenainte de depunerea cererii, garan\u021bia poate ajunge la&nbsp;<strong>65%<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Care este dob\u00e2nda \u00een 2026?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Dob\u00e2nda programului este variabil\u0103 \u0219i se stabile\u0219te \u00een func\u021bie de rata de referin\u021b\u0103 plus marja maxim\u0103 permis\u0103 b\u0103ncii.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pentru perioada&nbsp;<strong>1 iulie \u2013 31 decembrie 2026<\/strong>, rata maxim\u0103 anual\u0103 indicat\u0103 oficial este de&nbsp;<strong>8,66%<\/strong>, la care se adaug\u0103 comisionul de garantare.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Aceasta este format\u0103 din:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>5,66%<\/strong>&nbsp;\u2013 rata de referin\u021b\u0103 pentru program;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>maximum 3%<\/strong>&nbsp;\u2013 marja b\u0103ncii creditoare;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">iar comisionul de garantare este de&nbsp;<strong>0,4% anual din soldul garan\u021biei<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Prin urmare, rata aplicabil\u0103 programului nu trebuie presupus\u0103 ca fiind fix\u0103 pentru \u00eentreaga perioad\u0103 de 30 de ani.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Nu mai trebuie neap\u0103rat s\u0103 fii salariat<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Una dintre schimb\u0103rile importante introduse prin \u201ePrima Cas\u0103 Plus\u201d este extinderea beneficiarilor.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Programul poate fi accesat \u0219i de persoane care nu au statut clasic de angajat, inclusiv reprezentan\u021bi ai profesiilor libere \u2014 de exemplu avoca\u021bi, executori judec\u0103tore\u0219ti, mediatori, taximetri\u0219ti sau arti\u0219ti \u2014 dac\u0103 pot demonstra veniturile necesare.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Banca va analiza \u00eens\u0103 capacitatea solicitantului de rambursare a creditului.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Ai deja o locuin\u021b\u0103? Nu e\u0219ti automat exclus<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">O alt\u0103 schimbare important\u0103 prive\u0219te persoanele care de\u021bin deja o locuin\u021b\u0103.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Persoanele care de\u021bin o locuin\u021b\u0103 cu suprafa\u021ba de&nbsp;<strong>p\u00e2n\u0103 la 50 m\u00b2<\/strong>&nbsp;pot, \u00een condi\u021biile programului, s\u0103 solicite finan\u021bare pentru achizi\u021bionarea unei locuin\u021be mai mari.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Aceasta este o diferen\u021b\u0103 important\u0103 fa\u021b\u0103 de ideea clasic\u0103 potrivit c\u0103reia \u201ePrima Cas\u0103\u201d ar fi exclusiv pentru persoanele care nu au avut niciodat\u0103 o proprietate.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Po\u021bi schimba banca<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Beneficiarii programului au \u0219i posibilitatea de&nbsp;<strong>recreditare sau schimbare a b\u0103ncii creditoare<\/strong>, dac\u0103 g\u0103sesc condi\u021bii mai avantajoase la o alt\u0103 institu\u021bie participant\u0103.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Ce b\u0103nci particip\u0103?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Conform informa\u021biilor oficiale disponibile, printre b\u0103ncile finan\u021batoare se afl\u0103:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Moldindconbank, maib, Victoriabank, OTP Bank, Eximbank \u0219i Energbank.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cererea de credit se depune direct la una dintre b\u0103ncile participante, iar banca verific\u0103 eligibilitatea \u0219i capacitatea de rambursare.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Dar moldovenii din diaspora?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Aici este important\u0103 o distinc\u021bie.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Biroul rela\u021bii cu diaspora include&nbsp;<strong>Prima Cas\u0103 Plus<\/strong>&nbsp;\u00een ghidul oficial destinat persoanelor care revin \u00een Republica Moldova.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Aceasta nu \u00eenseamn\u0103 \u00eens\u0103 c\u0103 exist\u0103 un program separat numit \u201ePrima Cas\u0103 Diaspora Revenit\u0103\u201d.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Persoanele din diaspora sau cele care revin \u00een Moldova trebuie s\u0103 verifice dac\u0103 \u00eendeplinesc&nbsp;<strong>condi\u021biile generale ale Prima Cas\u0103 Plus<\/strong>&nbsp;\u0219i dac\u0103 veniturile pe care le pot demonstra sunt acceptate de banca finan\u021batoare.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cu alte cuvinte, faptul c\u0103 o persoan\u0103 este membr\u0103 a diasporei nu \u00eei ofer\u0103 automat un credit ipotecar sau o garan\u021bie special\u0103 suplimentar\u0103.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Ce \u00eenseamn\u0103 de fapt garan\u021bia de 70%?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Acesta este unul dintre punctele care pot fi u\u0219or interpretate gre\u0219it.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dac\u0103 statul garanteaz\u0103 p\u00e2n\u0103 la 70% din credit,&nbsp;<strong>nu \u00eenseamn\u0103 c\u0103 beneficiarul trebuie s\u0103 ramburseze doar 30%<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00cemprumutatul r\u0103m\u00e2ne responsabil pentru rambursarea creditului conform contractului \u00eencheiat cu banca.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Garan\u021bia de stat este un mecanism prin care statul preia fa\u021b\u0103 de creditor o parte din riscul asociat creditului.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>DEKLARAT re\u021bine<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Prima Cas\u0103 Plus nu este un grant \u0219i statul nu \u00ee\u021bi cump\u0103r\u0103 o parte din locuin\u021b\u0103.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Programul faciliteaz\u0103 accesul la un credit ipotecar printr-o&nbsp;<strong>garan\u021bie par\u021bial\u0103 acordat\u0103 de stat<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00cen 2026, plafonul ajunge la&nbsp;<strong>2,5 milioane lei<\/strong>, creditul poate avea o durat\u0103 de p\u00e2n\u0103 la&nbsp;<strong>30 de ani<\/strong>, iar garan\u021bia statului poate ajunge p\u00e2n\u0103 la&nbsp;<strong>70%<\/strong>, \u00een func\u021bie de locuin\u021b\u0103 \u0219i localitate.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pentru perioada 1 iulie\u201331 decembrie 2026, rata maxim\u0103 anual\u0103 publicat\u0103 pentru program este de&nbsp;<strong>8,66% plus comisionul de garantare<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00cenainte de contractarea creditului, solicitantul trebuie s\u0103 compare nu numai rata lunar\u0103, ci \u0219i dob\u00e2nda, comisioanele, costul total al finan\u021b\u0103rii \u0219i condi\u021biile concrete oferite de banca aleas\u0103.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Surse oficiale:<\/strong>&nbsp;Ministerul Finan\u021belor al Republicii Moldova; Organiza\u021bia pentru Dezvoltarea Antreprenoriatului (ODA); Biroul rela\u021bii cu diaspora.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Actualizat: august 2026.<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Materialul are caracter informativ. Condi\u021biile de creditare \u0219i eligibilitatea individual\u0103 sunt stabilite potrivit cadrului programului \u0219i evalu\u0103rii efectuate de banca finan\u021batoare.<\/em><\/p>","protected":false},"excerpt":{"rendered":"<p>Vrei s\u0103 cumperi o locuin\u021b\u0103 \u00een Republica Moldova? Programul \u201ePrima Cas\u0103 Plus\u201d permite accesarea unui credit ipotecar garantat par\u021bial de stat. DEKLARAT explic\u0103 ce ofer\u0103 programul, c\u00e2t po\u021bi \u00eemprumuta \u0219i ce \u00eenseamn\u0103, \u00een realitate, garan\u021bia statului. Ce este \u201ePrima Cas\u0103 Plus\u201d? \u201ePrima Cas\u0103 Plus\u201d este continuarea \u0219i extinderea programului de stat \u201ePrima Cas\u0103\u201d. Prin intermediul [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":263,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"nf_dc_page":"","om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[10,19],"tags":[],"class_list":["post-261","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bani-taxe","category-moldova"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Prima Cas\u0103 Plus \u00een 2026: cine poate beneficia \u0219i ce garanteaz\u0103 statul? - Deklarat<\/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:\/\/deklarat.eu\/en\/prima-casa-plus-in-2026-cine-poate-beneficia-si-ce-garanteaza-statul\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Prima Cas\u0103 Plus \u00een 2026: cine poate beneficia \u0219i ce garanteaz\u0103 statul? - Deklarat\" \/>\n<meta property=\"og:description\" content=\"Vrei s\u0103 cumperi o locuin\u021b\u0103 \u00een Republica Moldova? Programul \u201ePrima Cas\u0103 Plus\u201d permite accesarea unui credit ipotecar garantat par\u021bial de stat. DEKLARAT explic\u0103 ce ofer\u0103 programul, c\u00e2t po\u021bi \u00eemprumuta \u0219i ce \u00eenseamn\u0103, \u00een realitate, garan\u021bia statului. Ce este \u201ePrima Cas\u0103 Plus\u201d? \u201ePrima Cas\u0103 Plus\u201d este continuarea \u0219i extinderea programului de stat \u201ePrima Cas\u0103\u201d. 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