{"id":4949,"date":"2021-12-15T06:38:13","date_gmt":"2021-12-15T06:38:13","guid":{"rendered":"https:\/\/ccib.ro\/afacerea\/?p=4949"},"modified":"2021-12-20T13:31:14","modified_gmt":"2021-12-20T13:31:14","slug":"barometrul-kpmg-privind-creditarea-imobiliara-imprumuturile-imobiliare-castiga-importanta-in-perioada-pandemica","status":"publish","type":"post","link":"https:\/\/revista-afacerea.ro\/afacerea\/barometrul-kpmg-privind-creditarea-imobiliara-imprumuturile-imobiliare-castiga-importanta-in-perioada-pandemica\/","title":{"rendered":"Barometrul KPMG privind creditarea imobiliar\u0103: \u00cemprumuturile imobiliare c\u00e2\u0219tig\u0103 importan\u021b\u0103 \u00een perioada pandemic\u0103"},"content":{"rendered":"
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Investi\u021biile \u00een propriet\u0103\u021bi imobiliare \u00een Europa Central\u0103 \u0219i de Est (CEE) \u00een primul semestru al anului 2021 au sc\u0103zut cu 22% \u00een compara\u021bie cu aceea\u0219i perioad\u0103 a anului anterior, ceea ce nu reprezint\u0103 o surpriz\u0103 av\u00e2nd \u00een vedere repercusiunile economice semnificative ale crizei sanitare interna\u021bionale cauzate de COVID-19 \u00een majoritatea sectoarelor economice.<\/p>\n

\u00cens\u0103, conform rezultatelor celei mai recente edi\u021bii a Barometrului KPMG privind Creditarea Imobiliar\u0103 (\u201dKPMG\u2019s Property Lending Barometer\u201d \u2013 PLB) \u2013 studiu anual care cuantific\u0103 apetitul b\u0103ncilor \u00een ceea ce prive\u0219te creditarea pe pie\u021bele imobiliare ale CEE \u2013 \u00eemprumuturile imobiliare au avut o importan\u021b\u0103 sporit\u0103 pentru b\u0103nci \u00een 2021, \u00eentruc\u00e2t, pe de o parte, portofoliile de credite imobiliare se deterioreaz\u0103, iar pe de alt\u0103 parte, condi\u021biile de pia\u021b\u0103 continu\u0103 s\u0103 se \u00eembun\u0103t\u0103\u021beasc\u0103 treptat.<\/p>\n

Edi\u021bia din acest an a studiului KPMG a inclus peste 40 de institu\u021bii de credit care activeaz\u0103 pe 11 pie\u021be din CEE, care au r\u0103spuns, printre altele, la \u00eentreb\u0103ri cu privire la nivelul \u00eemprumuturilor depreciate, importan\u021ba propriet\u0103\u021bilor imobiliare ca parte a strategiei de creditare a unei b\u0103nci, precum \u0219i m\u0103rimea medie a \u00eemprumuturilor acordate \u0219i preferin\u021bele avute.<\/p>\n

Pe l\u00e2ng\u0103 furnizarea de informa\u021bii detaliate privind tendin\u021bele de finan\u021bare \u0219i pie\u021bele imobiliare ale CEE, \u00een ansamblu, edi\u021bia din 2021 a Barometrului include, de asemenea, profiluri na\u021bionale individuale care ofer\u0103 informa\u021bii pentru fiecare dintre pie\u021bele examinate, precum \u0219i o sec\u021biune dedicat\u0103 analizei dezvoltatorilor pentru a afla modul \u00een care ace\u0219tia sunt capabili s\u0103 asigure finan\u021bare pentru proiectele avute \u00eentr-o perioad\u0103 de incertitudine f\u0103r\u0103 precedent.<\/p>\n

COVID continu\u0103 s\u0103 exercite influen\u021b\u0103 asupra pie\u021belor imobiliare<\/strong><\/p>\n

Conform comunicatului emis de KPMG, \u00een primul semestru al anului 2021, tranzac\u021biile imobiliare \u00een CEE s-au ridicat la 4,9 miliarde de euro, 53% fiind realizate \u00een Polonia, 18% \u00een Republica Ceh\u0103, iar 13% \u00een Ungaria. Slovacia, Rom\u00e2nia \u0219i Ungaria au continuat s\u0103 creasc\u0103 \u00een primul semestru al anului 2021, \u00een timp ce Bulgaria \u0219i Republica Ceh\u0103 au \u00eenregistrat cele mai accentuate sc\u0103deri ale activit\u0103\u021bii de investi\u021bii, de la an la an.<\/p>\n

Potrivit participan\u021bilor la studiul PLB, pandemia a surclasat condi\u021biile macroeconomice locale. Aceasta exercit\u0103 cea mai mare influen\u021b\u0103 asupra modului \u00een care se desf\u0103\u0219oar\u0103 acordarea de \u00eemprumuturi pentru proiecte imobiliare, influen\u021b\u00e2nd, de exemplu, determinarea tipurilor de proiecte imobiliare care sunt susceptibile\/pu\u021bin susceptibile s\u0103 primeasc\u0103 finan\u021bare. Totodat\u0103, reprezentan\u021bii b\u0103ncilor au eviden\u021biat c\u0103, de\u0219i sustenabilitatea este \u00een prezent un subiect de mare interes \u00een r\u00e2ndul profesioni\u0219tilor din domeniul imobiliar, men\u021bionat frecvent \u00een cadrul evenimentelor care se concentreaz\u0103 pe viitorul industriei imobiliare, acesta nu este \u00eenc\u0103 un factor-cheie atunci c\u00e2nd se ia \u00een considerare finan\u021barea unui proiect imobiliar.<\/p>\n

Clasa de active reziden\u021biale dep\u0103\u0219e\u0219te segmentul industrial\/logistic<\/strong><\/p>\n

La un an de la izbucnirea pandemiei de COVID-19, clasa de active reziden\u021biale a devenit cea mai atractiv\u0103 pentru majoritatea b\u0103ncilor din regiune, dep\u0103\u0219ind segmentul industrial\/logistic. Andrea Sartori, KPMG Head of Real Estate \u00een Europa Central\u0103 \u0219i de Est, care a ini\u021biat Barometrul, este de p\u0103rere c\u0103 aceast\u0103 tendin\u0163\u0103 \u201eeste evident o consecin\u021b\u0103 a pandemiei asupra modului \u00een care oamenii fac afaceri \u2013 at\u00e2t \u00een regiunea noastr\u0103, c\u00e2t \u0219i \u00een \u00eentreaga lume: fie complet de la domiciliu, fie lucr\u00e2nd de la birou \u00een mod neregulat. Nu numai c\u0103 a fost un \u0219oc pentru segmentul spa\u021biilor de birouri, dar a \u00eensemnat c\u0103 locuin\u021bele sunt \u00een centrul aten\u021biei la nivelul societ\u0103\u021bii. \u00cen ansamblu \u2013 toate casele noastre au acum un dublu scop: s\u0103 serveasc\u0103 at\u00e2t via\u021ba de familie, c\u00e2t \u0219i via\u021ba profesional\u0103.\u201d<\/p>\n

Anul trecut, noteaz\u0103 Sartori, conform sursei citate, segmentul logistic a avut parte de un impuls uria\u0219, ca urmare a perioadei de carantin\u0103 din timpul pandemiei, c\u00e2nd consumatorii \u00ee\u0219i comandau acas\u0103 orice putea fi livrat, \u00een loc s\u0103 viziteze magazine \u00een mod fizic. Ceea ce trebuie \u00eenc\u0103 evaluat este dac\u0103 anumite tendin\u021be recente, cum ar fi munca de acas\u0103 \u0219i \u00eenlocuirea cump\u0103r\u0103turilor fizice cu cele online, cel pu\u021bin par\u021bial, vor deveni obiceiuri obi\u0219nuite ale persoanelor care tr\u0103iesc \u00een CEE.<\/p>\n

Perspectivele privind finan\u021barea imobiliar\u0103<\/strong><\/p>\n

\u00centr-o sec\u021biune special\u0103 a studiului din acest an, dezvoltatorii din \u0219apte \u021b\u0103ri din regiunea CEE au vorbit despre perspectivele privind finan\u021barea imobiliar\u0103 \u00een aceste vremuri dificile. \u00cen ceea ce prive\u0219te modul \u00een care ace\u0219tia selecteaz\u0103 o ofert\u0103 de la dou\u0103 b\u0103nci care ofer\u0103 condi\u021bii de finan\u021bare similare, dezvoltatorii au indicat c\u0103 viteza procesului este criteriul cel mai important.<\/p>\n

\u00cen plus fa\u021b\u0103 de aceste constat\u0103ri, Barometrul privind Creditarea imobiliar\u0103 include informa\u021bii detaliate ale responden\u021bilor privind a\u0219tept\u0103rile acestora referitoare la indicatorii raportului \u00eemprumut \u2013 cost (\u201dloan-to-cost\u201d) \u0219i \u00eemprumut \u2013 valoare (\u201dloan-to-value\u201d), la a\u0219tept\u0103rile lor privind gradul de pre-\u00eenchiriere \u0219i rata de acoperirea a datoriei, precum \u0219i \u00een privin\u021ba marjelor de dob\u00e2nd\u0103.<\/p>\n

Tendin\u021be ale \u00eemprumuturilor imobiliare \u0219i bancare \u00een Rom\u00e2nia<\/strong><\/p>\n

\u201eAnticip\u00e2nd recuperarea post-COVID, pia\u021ba imobiliar\u0103 din Rom\u00e2nia a c\u00e2\u0219tigat teren nou, alimentat de optimism \u0219i de o \u00eembun\u0103t\u0103\u021bire general\u0103 a economiei. Conduc\u00e2nd avansul, pia\u021ba logistic\u0103 \u0219i industrial\u0103 \u0219i-au men\u021binut rata de cre\u0219tere, \u00een timp ce apetitul cresc\u00e2nd pentru propriet\u0103\u021bi reziden\u021biale premium a \u00eencurajat un avans semnificativ pe pia\u021b\u0103. Privind \u00een perspectiv\u0103, investitorii \u0219i-au rec\u00e2\u0219tigat \u00eencrederea pierdut\u0103 \u00een 2020 \u0219i ar putea relua proiectele \u00eentrerupte \u00een timpul pandemiei, stimul\u00e2nd o tendin\u021b\u0103 ascendent\u0103 pentru pia\u021ba imobiliar\u0103 din Rom\u00e2nia\u201d, este de p\u0103rere Ori Efraim, Partener, Head of Real Estate, KPMG \u00een Rom\u00e2nia.<\/p>\n

La r\u00e2ndul s\u0103u, Ionu\u021b M\u0103st\u0103c\u0103neanu, Director \u00een Departamentul de Consultan\u021b\u0103 Fiscal\u0103, KPMG \u00een Rom\u00e2nia consider\u0103 c\u0103: \u201e\u00cen Rom\u00e2nia, tendin\u021ba \u00een r\u00e2ndul creditorilor este oarecum \u00een concordan\u021b\u0103 cu cea de anul trecut, av\u00e2nd \u00een vedere c\u0103 o treime dintre b\u0103ncile respondente \u0219i-au sporit \u00eentr-o oarecare m\u0103sur\u0103 interesul pentru acordarea de credite imobiliare comparativ cu anul precedent. La fel ca anul trecut, b\u0103ncile sunt deschise s\u0103 finan\u021beze at\u00e2t proiecte noi de dezvoltare imobiliar\u0103, c\u00e2t \u0219i propriet\u0103\u021bi generatoare de venituri, cu o u\u0219oar\u0103 preferin\u021b\u0103 pentru acestea din urm\u0103. Perspectivele pentru viitor au fost optimiste, deoarece marea majoritate a celor chestiona\u021bi consider\u0103 c\u0103 \u00eentregul portofoliu de credite imobiliare al sectorului bancar va cre\u0219te sau va cre\u0219te semnificativ \u00een urm\u0103toarele 12-18 luni\u201d.<\/p>\n

Daniel Pan\u0103, Partener Consultan\u021b\u0103 Fiscal\u0103, KPMG \u00een Rom\u00e2nia, adaug\u0103: \u201dAv\u00e2nd \u00een vedere contextul mai larg al pie\u021bei imobiliare din regiunea Europei Centrale \u0219i de Est, Rom\u00e2nia este printre pu\u021binele \u021b\u0103ri care au \u00eenregistrat cre\u0219tere \u00een prima jum\u0103tate a anului 2021, comparativ cu perioada similar\u0103 din 2020, inclusiv \u00een ceea ce prive\u0219te randamentele din sectorul cl\u0103dirilor de birouri premium. Va fi interesant de urm\u0103rit dac\u0103 Rom\u00e2nia va p\u0103stra trendul pozitiv pe termen mediu sau dac\u0103 se va alinia la evolu\u021bia preponderent\u0103 din CEE\u201d. (C.\u015e.)<\/strong><\/p>\n

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

Investi\u021biile \u00een propriet\u0103\u021bi imobiliare \u00een Europa Central\u0103 \u0219i de Est (CEE) \u00een primul semestru al anului 2021 au sc\u0103zut cu 22% \u00een compara\u021bie cu aceea\u0219i perioad\u0103 a anului anterior, ceea ce nu reprezint\u0103 o surpriz\u0103 av\u00e2nd \u00een vedere repercusiunile economice semnificative ale crizei sanitare interna\u021bionale cauzate de COVID-19 \u00een majoritatea sectoarelor economice.
\n\u00cens\u0103, conform rezultatelor celei mai recente edi\u021bii a Barometrului KPMG privind Creditarea Imobiliar\u0103 (\u201dKPMG\u2019s Property …<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[146],"tags":[],"class_list":["post-4949","post","type-post","status-publish","format-standard","hentry","category-din-lumea-afacerilor","issue-serie-noua-nr-14-15-12-2021-26-01-2022"],"acf":[],"yoast_head":"\nBarometrul KPMG privind creditarea imobiliar\u0103: \u00cemprumuturile imobiliare c\u00e2\u0219tig\u0103 importan\u021b\u0103 \u00een perioada pandemic\u0103 - Afacerea<\/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:\/\/revista-afacerea.ro\/afacerea\/barometrul-kpmg-privind-creditarea-imobiliara-imprumuturile-imobiliare-castiga-importanta-in-perioada-pandemica\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Barometrul KPMG privind creditarea imobiliar\u0103: \u00cemprumuturile imobiliare c\u00e2\u0219tig\u0103 importan\u021b\u0103 \u00een perioada pandemic\u0103 - 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