Cluj München 1140km

Gânduri clujene din Bavaria

München - Munich - Monaco di Baviera

4. martie 2010 22:05
by skorpionking
18 Comentarii

Cica "In Romania, preturile locuintelor sunt corecte si fundamentate economic! O comparatie Bucuresti-München" ... sau cum induci oamenii in eroare daca nu ai date corecte

4. martie 2010 22:05 by skorpionking | 18 Comentarii

Cristian publica pe blogul sau un articol in care compara preturile la apartamentele din München si Bucuresti, salariile medii din aceste orase si implicit ce si in cat timp timp isi permit locuitorii respectivi in domeniul imobiliar. Analiza ar fi ok daca ar fi bazata pe date acurate, corecte. De la inceput am fost sceptic in ceea ce priveste datele prezentate. Citez:

"... Acum, sa vedem cum stau lucrurile in München, unul dintre orasele cu cel mai inalt standard de viata din lume si de asemenea, unul dintre cele mai scumpe orase din Germania.

In anul 2008, salariul mediu brut lunar anual al unui angajat german din sectorul industrial a fost de 41.500 de euro, insa tinand cont atat de faptul ca aceasta medie este trasa in jos de fostele landuri est-germane, cat si de faptul ca intr-un oras ca München salariile sunt peste medie, cel mai probabil un angajat münchenez castiga ~45.000 de euro pe an, ceea ce inseamna 3.750 euro brut pe luna sau 2400 euro net, respectiv de patru ori cat un bucurestean.

Prin urmare, normal ar fi ca in München preturile locuintelor sa fie de aproximativ 4 ori mai mari decat in Bucuresti, deci un apartament cu trei camere ar trebui sa coste intre 360 si 400.000 de euro.


Mai departe, atat bucuresteanul cat si münchenezul vor fi nevoiti sa imprumute bani de la banca pentru a isi cumpara locuinta respectiva. In Romania, un credit de 70.000 de euro pe 25 de ani presupune o rata lunara de aproximativ 480 de euro, ceea ce inseamna ca suma totala returnata bancii va fi de 144.000 de euro. Am luat in considerare un imprumut echivalent cu 75% din pretul locuintei.

In acelasi timp, un german va imprumuta 300.000 de euro pentru care va plati o rata lunara de aproximativ 1350 euro, adica 405.000 in 25 de ani. Cu alte cuvinte, o locuinta de 400.000 de euro il costa pe un german 505.000 cu tot cu dobanda la credit (210 venituri medii lunare), iar pe un roman o locuinta de 95.000 de euro il va costa 169.000 de euro (282 venituri medii lunare). Si astfel, diferenta dintre Bucuresti si München creste cu 40% doar din dobanda diferita aplicata de banci.

Una peste alta, comparativ cu proprietarii romani, cei germani ofera 1-2 camere in plus la aceeasi bani (multiplu de venit), bancile germane dau credite mult mai ieftine decat cele romanesti, iar autoritatile locale müncheneze ofera servicii publice mult mai bune decat cele din Bucuresti.


Cotidianul FAZ Frankfurter Allgemeiner Zeitung, unul de top 3 din Germania, spune intr-un articol (publicat astazi) ca salariul mediu brut in Germania e undeva la 27.000 EURO pe an. Diferenta fata de salariul mentionat de Cristian de 40.000 EURO pe an brut in München e de circa 50%, o diferenta imensa care e imposibila, diferenta reala fiind undeva la 10-15%. Deci calculele facute de Cristian nu sunt valabile si lumea a fost indusa in eroare. Din 27.000 EURO pe an brut raman ca. 17.000 EURO net anual, deci undeva la 1.500 net lunar. Ei bine, la banii astia, marit cu 15% la ca. 1800 EURO net lunar in München, refaceti calculele si vedeti cum ies :-) Nu care cumva sa credeti ca in Germania cateii umbla cu covrigi in coada si cu hable de bere in gura :-D Sigur, exista branse in Germania unde se castiga 50.000 EURO pe an brut, chiar 100.000 EURO pe an brut, in medie! Dar in general, salariul mediu brut anual in Germania e de 27.000 EURO! Cristian a fost prost informat, el s-a bazat doar pe datele care furnizeaza salariile medii anuale din industrie si servicii .. chiar daca Münchenul e dezvoltat, salariul mediu e cum a spus eu, nu la 40.000 EURO pe an brut... Sorry Cristian...

Bruttoverdienste sinken erstmals seit 1949

Textele din germana, inclusiv articolul complet din FAZ il puteti traduce folosind Traduce Instant.

Comentarii (18) -


media e de 27, corect
Munchen e cel mai scump, si valoarea de 40 nu pare deloc una ireala comparabila cu media Smile

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Nu am vrut sa contrez, dar traiesc de 11 ani in acest oras si cunosc cum se traieste si stiu salariile, stiu despre ce vorbesc. Viata e grea si aici. Daca castiga fiecare, sotul si sotia, fiecare 50 k EURO/an, atunci merge treaba, sau macar impreuna 80 k EURO/an, altfel e f greu cu un apartament aici...multa lume se teme ca ramana fara atunci tre sa se mute in alt loc si ce fac daca au credit imens in carca?!

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