Regula de „patru ani” a unui expert financiar pentru cei care vor să-și cumpere o locuință

Adrian Asoltanie, a financial expert, advises potential homebuyers to establish a realistic budget based on their income before taking a loan. Renting can be a temporary solution, but long-term, it may lead to financial strain. He suggests that the value of a home should align with four years of income, cautioning against overextending financially. Buyers often increase their expectations, moving from smaller to larger properties, which can lead to higher costs. It's crucial to ensure that loan repayments do not exceed 20-25% of income to maintain a decent living standard, especially considering potential fluctuations in interest rates and income.