{"id":1219,"date":"2024-07-17T21:11:45","date_gmt":"2024-07-17T18:11:45","guid":{"rendered":"https:\/\/123credit.ro\/blog\/?p=1219"},"modified":"2025-05-08T10:56:12","modified_gmt":"2025-05-08T07:56:12","slug":"eligibilitate-si-conditii-generale-credit-ipotecar-cu-venituri-din-strainatate","status":"publish","type":"post","link":"https:\/\/123credit.ro\/blog\/eligibilitate-si-conditii-generale-credit-ipotecar-cu-venituri-din-strainatate\/","title":{"rendered":"Pot s\u0103 iau un credit ipotecar cu venituri din str\u0103in\u0103tate?"},"content":{"rendered":"<span class=\"span-reading-time rt-reading-time\" style=\"display: block;\"><span class=\"rt-label rt-prefix\">Timpul estimat pentru citire: <\/span> <span class=\"rt-time\"> 7<\/span> <span class=\"rt-label rt-postfix\">minute<\/span><\/span><p><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 fusion-flex-container nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1144px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-blend:overlay;--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-1\"><p><span style=\"font-weight: 400;\">Accesarea unui <\/span><b>credit ipotecar cu venituri din str\u0103in\u0103tate<\/b><span style=\"font-weight: 400;\"> poate p\u0103rea o provocare pentru cei care ob\u021bin venituri din str\u0103in\u0103tate, dar cu informa\u021biile \u0219i preg\u0103tirea adecvat\u0103, acest proces devine mult mai accesibil. \u00cen acest articol, vom explora toate aspectele legate de ob\u021binerea unui <\/span><b>credit ipotecar<\/b><span style=\"font-weight: 400;\"> cu venituri din str\u0103in\u0103tate, de la eligibilitate \u0219i documenta\u021bie, p\u00e2n\u0103 la compara\u021bia dob\u00e2nzilor \u0219i op\u021biunilor disponibile.<\/span><\/p>\n<h2 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><b>Eligibilitate \u0219i condi\u021bii generale credit ipotecar cu venituri din str\u0103in\u0103tate<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Primul pas \u00een accesarea unui <\/span><b>credit ipotecar<\/b><span style=\"font-weight: 400;\"> cu venituri din str\u0103in\u0103tate este s\u0103 \u00een\u021belegi criteriile de eligibilitate. Nu toate b\u0103ncile accept\u0103 astfel de venituri, iar cele care o fac, au de obicei condi\u021bii mai stricte. Iat\u0103 c\u00e2teva dintre cele mai comune cerin\u021be:<\/span><\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Contract de munc\u0103 pe perioad\u0103 nedeterminat\u0103<\/b><span style=\"font-weight: 400;\"> \u00een str\u0103in\u0103tate.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Veniturile trebuie s\u0103 provin\u0103 din surse sigure \u0219i stabile, nu sunt acceptate venituri din firme proprii sau liber profesioni\u0219ti.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Vechime minim\u0103 de angajare<\/b><span style=\"font-weight: 400;\"> de 6 sau 24 de luni, \u00een func\u021bie de banc\u0103.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Unele b\u0103nci solicit\u0103 obligatoriu un codebitor cu venituri din Rom\u00e2nia<\/span><\/li>\n<li aria-level=\"1\"><b>Traducerea, legalizarea si apostilarea<\/b><span style=\"font-weight: 400;\"> documenta\u021biei de venit.<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>Pentru a verifica eligibilitatea veniturilor \u0219i flexibilitatea b\u0103ncilor, la<a href=\"https:\/\/123credit.ro\/credit-ipotecar\"> <span style=\"font-weight: 400; color: var(--awb-color4);\">123Credit<\/span><\/a><span style=\"color: var(--awb-color4);\">.ro<\/span> facem o evaluare preliminar\u0103. \u00cen acest fel, clien\u021bii pot afla rapid dac\u0103 sunt eligibili pentru finan\u021bare.<\/p>\n<h2 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><b>Documenta\u021bia necesar\u0103 credit ipotecar cu venituri din str\u0103in\u0103tate<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Clien\u021bii cu venituri din str\u0103in\u0103tate trebuie s\u0103 preg\u0103teasc\u0103 o serie de documente suplimentare, fa\u021b\u0103 de cei cu venituri din Rom\u00e2nia. Aceste documente includ:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Contractul de munc\u0103<\/b><span style=\"font-weight: 400;\"> pe perioad\u0103 nedeterminat\u0103 \u0219i eventuale acte adi\u021bionale\u00a0 \u00eencheiate pe parcurs<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Flutura\u0219ii de salariu<\/b><span style=\"font-weight: 400;\"> din ultimele 6\/12 luni, \u00een func\u021bie de banca finan\u021batoare<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Extrase de cont<\/b><span style=\"font-weight: 400;\"> bancar din ultimele\u00a0 6\/12 luni, din care s\u0103 reias\u0103 \u00eencasarea salariului, \u00een func\u021bie de banca finan\u021batoare<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Echivalentul fi\u0219ei fiscale\/ sau adeverin\u021ba cu venitul total realizat \u00een anul anterior.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Legalizarea, traducerea \u0219i apostilarea<\/b><span style=\"font-weight: 400;\"> documentelor de venit<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Declara\u021bie pe proprie r\u0103spundere care s\u0103 ateste creditele existente \u0219i c\u0103 nu exist\u0103 <\/span><b>\u00eent\u00e2rzieri de plat\u0103 <\/b><span style=\"font-weight: 400;\">\u00een \u021bara \u00een care se \u00eencaseaz\u0103 veniturile (dac\u0103 este cazul)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Actul care atest\u0103 \u00eenregistrarea venitului la autorit\u0103\u021bile fiscale \u0219i plata impozitelor pe venit \u00een \u021bara \u00een care sunt angaja\u021bi<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Acest proces poate implica costuri suplimentare \u0219i este important s\u0103 fie f\u0103cut corect pentru a evita \u00eent\u00e2rzieri \u00een procesul de aprobare a creditului. <\/span><\/p>\n<h2 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><b>B\u0103nci care ofer\u0103 credite ipotecare cu venituri din str\u0103in\u0103tate<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Nu toate b\u0103ncile din Rom\u00e2nia ofer\u0103 <\/span><b>credite ipotecare<\/b><span style=\"font-weight: 400;\"> pentru venituri din str\u0103in\u0103tate, dar exist\u0103 c\u00e2teva care au astfel de produse \u00een portofoliu. Printre acestea se num\u0103r\u0103:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Raiffeisen Bank<\/b><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>First Bank<\/b><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Banca Transilvania<\/b><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Libra Bank<\/b><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Patria Bank<\/b><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Unicredit<\/b><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>BRD<\/b><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>OTP BANK<\/b><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Aceste b\u0103nci au experien\u021b\u0103 \u00een lucrul cu clien\u021bi care ob\u021bin venituri din str\u0103in\u0103tate \u0219i pot oferi solu\u021bii adaptate nevoilor lor. Este esen\u021bial s\u0103 compari ofertele \u0219i s\u0103 folose\u0219ti un <\/span><b>calculator credit<\/b><span style=\"font-weight: 400;\"> pentru a vedea care este cea mai avantajoas\u0103 op\u021biune. <\/span><\/p>\n<h2 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><b>Calculatoare utile: calculator credit ipotecar, calculator dob\u00e2nd\u0103 <\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Pentru a lua o decizie informat\u0103, este recomandat s\u0103 folose\u0219ti diverse unelte online, precum <\/span><b>calculatorul de credit online ipotecar<\/b><span style=\"font-weight: 400;\"> \u0219i <\/span><b>calculatorul de dob\u00e2nd\u0103<\/b><span style=\"font-weight: 400;\">. Acestea te ajut\u0103 s\u0103 estimezi costurile totale ale creditului \u0219i s\u0103 compari diferitele oferte disponibile pe pia\u021b\u0103. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Un <\/span><b>calculator credit ipotecar<\/b><span style=\"font-weight: 400;\"> \u00ee\u021bi permite s\u0103 introduci detalii precum suma dorit\u0103, durata creditului \u0219i rata dob\u00e2nzii pentru a ob\u021bine o estimare a ratelor lunare. Un <\/span><b>calculator dob\u00e2nd\u0103<\/b><span style=\"font-weight: 400;\"> este util pentru a vedea cum variaz\u0103 costurile \u00een func\u021bie de dob\u00e2nda aplicat\u0103.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Pentru a accesa aceste calculatoare, po\u021bi vizita<\/span><a href=\"https:\/\/123credit.ro\/calculator-imprumut\"> <span style=\"color: var(--awb-color4);\"><b>123Credit &#8211; Calculator \u00cemprumut<\/b><\/span><\/a><span style=\"color: var(--awb-color4);\"><b>.<\/b><\/span><\/p>\n<h2 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><b>Simulare credit ipotecar<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">O <\/span><b>simulare de credit ipotecar<\/b><span style=\"font-weight: 400;\"> te ajut\u0103 s\u0103 \u00een\u021belegi mai bine cum va ar\u0103ta creditul t\u0103u \u00een func\u021bie de veniturile \u0219i cheltuielile tale. La<\/span><a href=\"https:\/\/123credit.ro\/blog\/simulare-credit-ipotecar-tot-ce-trebuie-sa-stii\/\"> <span style=\"color: var(--awb-color4);\"><b>123Credit<\/b><\/span><\/a><span style=\"color: var(--awb-color4);\"><b>,<\/b><\/span> oferim posibilitatea de a realiza astfel de simul\u0103ri, lu\u00e2nd \u00een calcul to\u021bi factorii relevan\u021bi.<\/p>\n<p><span style=\"font-weight: 400;\">Simul\u0103rile te pot ajuta s\u0103 identifici care este <\/span><b>banca cu cea mai mic\u0103 dob\u00e2nd\u0103 la credite ipotecare<\/b><span style=\"font-weight: 400;\"> \u0219i s\u0103 vezi cum diferite scenarii influen\u021beaz\u0103 capacitatea ta de a rambursa creditul.<\/span><\/p>\n<h2 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><b>Exemplu reprezentativ<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">S\u0103 lu\u0103m un exemplu concret: Andrei, care lucreaz\u0103 \u00een Germania de 2 ani, dore\u0219te s\u0103 cumpere un apartament \u00een Bucure\u0219ti. Andrei are un <\/span><b>contract de munc\u0103 pe perioad\u0103 nedeterminat\u0103<\/b><span style=\"font-weight: 400;\"> \u0219i c\u00e2\u0219tig\u0103 15000 de lei pe lun\u0103. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Pentru a accesa un <\/span><b>credit ipotecar<\/b><span style=\"font-weight: 400;\">, Andrei trebuie s\u0103:<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Traduc\u0103 \u0219i s\u0103 legalieze documentele de venit (contract, flutura\u0219i, extras de cont). Unele b\u0103nci \u00eei vor solicita \u0219i apostila pe documente.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ob\u021bin\u0103 o adeverin\u021b\u0103 de la angajator care s\u0103 confirme datele de angajare \u0219i veniturile realizate \u00een ultimele luni.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u00cen cazul documentelor scrise in limba englez\u0103, unele b\u0103nci nu \u00eei vor solicita traducerea \u0219i legalizarea documentelor.<\/span><\/li>\n<\/ol>\n<h2 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><b>Concluzie<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Ob\u021binerea unui <\/span><b>credit ipotecar<\/b><span style=\"font-weight: 400;\"> cu venituri din str\u0103in\u0103tate este posibil\u0103, dar implic\u0103 o preg\u0103tire riguroas\u0103 \u0219i respectarea unor condi\u021bii stricte. Este important s\u0103 compari ofertele \u0219i s\u0103 folose\u0219ti instrumentele disponibile, cum ar fi <\/span><b>calculatorul de credit ipotecar<\/b><span style=\"font-weight: 400;\"> \u0219i <\/span><b>calculatorul de dob\u00e2nd\u0103<\/b><span style=\"font-weight: 400;\">, pentru a g\u0103si cea mai avantajoas\u0103 op\u021biune. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">La<\/span><a href=\"https:\/\/123credit.ro\/credit-ipotecar\"> <span style=\"color: var(--awb-color4);\"><b>123Credit<\/b><\/span><\/a><span style=\"font-weight: 400;\">, te putem ajuta s\u0103 navighezi prin acest proces, oferind sfaturi personalizate \u0219i simul\u0103ri detaliate pentru a te asigura c\u0103 iei cea mai bun\u0103 decizie. <\/span><\/p>\n<h2 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><b>\u00centreb\u0103ri frecvente<\/b><\/h2>\n<ol>\n<li><b> Pot ob\u021bine un credit ipotecar cu venituri din str\u0103in\u0103tate?<\/b><span style=\"font-weight: 400;\"> Da, este posibil s\u0103 ob\u021bii un <\/span><b>credit ipotecar<\/b><span style=\"font-weight: 400;\"> cu venituri din str\u0103in\u0103tate, dar nu toate b\u0103ncile accept\u0103 astfel de venituri \u0219i cele care o fac au condi\u021bii stricte.<\/span><\/li>\n<li><b> Ce documente sunt necesare pentru un credit ipotecar cu venituri din str\u0103in\u0103tate?<\/b><span style=\"font-weight: 400;\"> Printre documentele necesare se num\u0103r\u0103 contractul de munc\u0103 pe perioad\u0103 nedeterminat\u0103, flutura\u0219ii de salariu, extrasele de cont bancar \u0219i legalizarea, traducerea \u0219i apostilarea acestor documente.<\/span><\/li>\n<li><b> Care sunt b\u0103ncile care ofer\u0103 credite ipotecare pentru venituri din str\u0103in\u0103tate?<\/b><span style=\"font-weight: 400;\"> Printre b\u0103ncile care ofer\u0103 astfel de credite se num\u0103r\u0103 Raiffeisen Bank, First Bank, Banca Transilvania, Libra Bank, Unicredit Bank, BRD \u0219i Patria Bank.<\/span><\/li>\n<li><b> Pot s\u0103 folosesc un calculator de credit ipotecar pentru a estima ratele lunare?<\/b><span style=\"font-weight: 400;\"> Da, folosirea unui <\/span><b>calculator credit ipotecar<\/b><span style=\"font-weight: 400;\"> este recomandat\u0103 pentru a estima ratele lunare \u0219i a compara diferitele oferte disponibile.<\/span><\/li>\n<li><b> Ce avantaje am dac\u0103 am un codebitor din Rom\u00e2nia?<\/b><span style=\"font-weight: 400;\"> Un codebitor din Rom\u00e2nia poate \u00eembun\u0103t\u0103\u021bi \u0219ansele de aprobare a creditului \u0219i poate oferi garan\u021bii suplimentare b\u0103ncii.<\/span><\/li>\n<li><b> Ce \u00eenseamn\u0103 apostilarea documentelor pentru ob\u021binerea unui credit ipotecar cu venituri din str\u0103in\u0103tate?<\/b><span style=\"font-weight: 400;\"> Apostilarea este o procedur\u0103 prin care se atest\u0103 autenticitatea unui document emis \u00eentr-o \u021bar\u0103 str\u0103in\u0103, pentru a fi recunoscut \u0219i acceptat legal \u00eentr-o alt\u0103 \u021bar\u0103. Aceast\u0103 procedur\u0103 este adesea necesar\u0103 pentru documentele de venit \u00een cazul clien\u021bilor cu venituri din str\u0103in\u0103tate care aplic\u0103 pentru un credit ipotecar \u00een Rom\u00e2nia.<\/span><\/li>\n<li><b> Care sunt cerin\u021bele specifice pentru contractul de munc\u0103 \u00een str\u0103in\u0103tate pentru a putea ob\u021bine un credit ipotecar?<\/b><span style=\"font-weight: 400;\"> Pentru a fi eligibil pentru un credit ipotecar cu venituri din str\u0103in\u0103tate, este necesar ca aplicantul s\u0103 aib\u0103 un contract de munc\u0103 pe perioad\u0103 nedeterminat\u0103 \u00een \u021bara \u00een care este angajat. Contractul trebuie s\u0103 fie stabil \u0219i s\u0103 ofere suficiente garan\u021bii c\u0103 veniturile vor continua s\u0103 fie generate pe termen lung.<\/span><\/li>\n<li><b> Cum pot influen\u021ba fluctua\u021biile valutare accesarea unui credit ipotecar cu venituri din str\u0103in\u0103tate?<\/b><span style=\"font-weight: 400;\"> Veniturile \u00een valut\u0103 str\u0103in\u0103 pot fi afectate de fluctua\u021biile cursului de schimb valutar. Acest aspect poate influen\u021ba costul total al creditului, \u00een func\u021bie de modul \u00een care este structurat creditul \u0219i de felul \u00een care se face conversia valutar\u0103 pentru ramburs\u0103rile lunare.<\/span><\/li>\n<li><b>Ce se \u00eent\u00e2mpl\u0103 dac\u0103 pierd locul de munc\u0103 \u00een str\u0103in\u0103tate \u00een timpul ramburs\u0103rii creditului ipotecar?<\/b> Este important s\u0103 fie luate \u00een considerare riscurile asociate cu pierderea locului de munc\u0103 \u00een str\u0103in\u0103tate \u00een timpul ramburs\u0103rii creditului ipotecar. \u00cen astfel de situa\u021bii, este recomandat s\u0103 contactezi urgent banca pentru a discuta op\u021biunile disponibile \u0219i pentru a evita eventualele \u00eent\u00e2rzieri la plata ratelorcare ar putea afecta istoricul de credit.<\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Pentru mai multe detalii \u0219i pentru a \u00eencepe procesul de aplicare, viziteaz\u0103<\/span><a href=\"https:\/\/123credit.ro\/calculator-imprumut\"> <span style=\"color: var(--awb-color4);\"><b>123Credit &#8211; Calculator \u00cemprumut<\/b><\/span><\/a><span style=\"font-weight: 400;\"> \u0219i<\/span><a href=\"https:\/\/123credit.ro\/blog\/simulare-credit-ipotecar-tot-ce-trebuie-sa-stii\/\"> <span style=\"color: var(--awb-color4);\"><b>Simulare Credit Ipotecar<\/b><\/span><\/a><span style=\"color: var(--awb-color4);\"><b>.<\/b><\/span><\/p>\n<p>&nbsp;<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-2 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:0px;--awb-padding-right:0px;--awb-padding-bottom:0px;--awb-padding-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-stretch fusion-flex-justify-content-center fusion-flex-content-wrap\" style=\"max-width:1144px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-1 fusion_builder_column_1_1 1_1 fusion-flex-column fusion-column-inner-bg-wrapper\" style=\"--awb-inner-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><span class=\"fusion-column-inner-bg hover-type-none\"><a class=\"fusion-column-anchor\" href=\"https:\/\/123credit.ro\/credit-nevoi-personale\"><span class=\"fusion-column-inner-bg-image\"><\/span><\/a><\/span><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-content-boxes content-boxes columns row fusion-columns-3 fusion-columns-total-3 fusion-content-boxes-1 content-boxes-icon-with-title content-left\" style=\"--awb-backgroundcolor:var(--awb-color3);--awb-body-color:var(--awb-color7);--awb-title-color:var(--awb-color5);--awb-iconcolor:var(--awb-color5);--awb-margin-top:0px;--awb-margin-bottom:0px;--awb-hover-accent-color:var(--awb-color4);--awb-circle-hover-accent-color:transparent;\" data-animationOffset=\"top-into-view\"><div style=\"--awb-backgroundcolor:var(--awb-color3);--awb-iconcolor:var(--awb-color5);\" class=\"fusion-column content-box-column content-box-column content-box-column-1 col-lg-4 col-md-4 col-sm-4 fusion-content-box-hover content-box-column-first-in-row\"><div class=\"col content-box-wrapper content-wrapper-background link-area-box link-type-button icon-hover-animation-fade fusion-animated\" data-link=\"https:\/\/123credit.ro\/credit-nevoi-personale\" data-link-target=\"_blank\" data-animationType=\"fadeInDown\" data-animationDuration=\"0.3\" data-animationOffset=\"top-into-view\"><div class=\"heading heading-with-icon icon-left\"><a class=\"heading-link\" style=\"float:left;\" href=\"https:\/\/123credit.ro\/credit-nevoi-personale\" target=\"_blank\" rel=\"noopener noreferrer\"><div class=\"icon\"><i style=\"background-color:transparent;border-color:transparent;height:auto;width: 20px;line-height:normal;font-size:20px;\" aria-hidden=\"true\" class=\"fontawesome-icon fa-hand-holding-usd fas circle-no\"><\/i><\/div><h3 class=\"content-box-heading fusion-responsive-typography-calculated\" style=\"--h3_typography-font-size:24px;--fontSize:24;line-height:var(--awb-typography1-line-height);\">Credit pentru nevoi personale?<\/h3><\/a><\/div><div class=\"fusion-clearfix\"><\/div><div class=\"content-container\">\n<p>Aplici rapid si usor la un credit de nevoi personale de la b\u0103nci sau IFN-uri \u0219i prime\u0219ti banii rapid \u00een contul t\u0103u<\/p>\n<\/div><div class=\"fusion-clearfix\"><\/div><a class=\"fusion-read-more-button fusion-content-box-button fusion-button button-default fusion-button-default-size button- button-flat\" style=\"float:left;\" href=\"https:\/\/123credit.ro\/credit-nevoi-personale\" target=\"_blank\" rel=\"noopener noreferrer\"><span class=\"fusion-button-text\">Obtine rapid creditul<\/span><\/a><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div style=\"--awb-backgroundcolor:var(--awb-color3);--awb-iconcolor:var(--awb-color5);\" class=\"fusion-column content-box-column content-box-column content-box-column-2 col-lg-4 col-md-4 col-sm-4 fusion-content-box-hover \"><div class=\"col content-box-wrapper content-wrapper-background link-area-box link-type-button icon-hover-animation-fade fusion-animated\" data-link=\"https:\/\/123credit.ro\/credit-ipotecar\" data-link-target=\"_blank\" data-animationType=\"fadeInDown\" data-animationDuration=\"0.3\" data-animationOffset=\"top-into-view\"><div class=\"heading heading-with-icon icon-left\"><a class=\"heading-link\" style=\"float:left;\" href=\"https:\/\/123credit.ro\/credit-ipotecar\" target=\"_blank\" rel=\"noopener noreferrer\"><div class=\"icon\"><i style=\"background-color:transparent;border-color:transparent;height:auto;width: 20px;line-height:normal;font-size:20px;\" aria-hidden=\"true\" class=\"fontawesome-icon fa-warehouse fas circle-no\"><\/i><\/div><h3 class=\"content-box-heading fusion-responsive-typography-calculated\" style=\"--h3_typography-font-size:24px;--fontSize:24;line-height:var(--awb-typography1-line-height);\">Credit pentru casa noua?<\/h3><\/a><\/div><div class=\"fusion-clearfix\"><\/div><div class=\"content-container\">\n<p>Pentru a aplica la credit sau pur \u0219i simplu pentru a afla suma pe care o po\u021bi primi, selecteaz\u0103 o ofert\u0103 \u0219i verific\u0103 eligibilitatea<\/p>\n<\/div><div class=\"fusion-clearfix\"><\/div><a class=\"fusion-read-more-button fusion-content-box-button fusion-button button-default fusion-button-default-size button- button-flat\" style=\"float:left;\" href=\"https:\/\/123credit.ro\/credit-ipotecar\" target=\"_blank\" rel=\"noopener noreferrer\"><span class=\"fusion-button-text\">Obtine rapid creditul<\/span><\/a><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div style=\"--awb-backgroundcolor:var(--awb-color3);--awb-iconcolor:var(--awb-color5);\" class=\"fusion-column content-box-column content-box-column content-box-column-3 col-lg-4 col-md-4 col-sm-4 fusion-content-box-hover content-box-column-last content-box-column-last-in-row\"><div class=\"col content-box-wrapper content-wrapper-background link-area-box link-type-button icon-hover-animation-fade fusion-animated\" data-link=\"https:\/\/123credit.ro\/refinantare-credit-ipotecar\" data-link-target=\"_blank\" data-animationType=\"fadeInDown\" data-animationDuration=\"0.3\" data-animationOffset=\"top-into-view\"><div class=\"heading heading-with-icon icon-left\"><a class=\"heading-link\" style=\"float:left;\" href=\"https:\/\/123credit.ro\/refinantare-credit-ipotecar\" target=\"_blank\" rel=\"noopener noreferrer\"><div class=\"icon\"><i style=\"background-color:transparent;border-color:transparent;height:auto;width: 20px;line-height:normal;font-size:20px;\" aria-hidden=\"true\" class=\"fontawesome-icon fa-hand-holding-usd fas circle-no\"><\/i><\/div><h3 class=\"content-box-heading fusion-responsive-typography-calculated\" style=\"--h3_typography-font-size:24px;--fontSize:24;line-height:var(--awb-typography1-line-height);\">Ai nevoie de refinantare?<\/h3><\/a><\/div><div class=\"fusion-clearfix\"><\/div><div class=\"content-container\">\n<p>Refinan\u021beaz\u0103-\u021bi creditul ipotecar sau Noua Cas\u0103 \u0219i transform\u0103 dob\u00e2nda variabil\u0103 \u00een dob\u00e2nd\u0103 fix\u0103 sau ob\u021bine o rat\u0103 mai mic\u0103.<\/p>\n<\/div><div class=\"fusion-clearfix\"><\/div><a class=\"fusion-read-more-button fusion-content-box-button fusion-button button-default fusion-button-default-size button- button-flat\" style=\"float:left;\" href=\"https:\/\/123credit.ro\/refinantare-credit-ipotecar\" target=\"_blank\" rel=\"noopener noreferrer\"><span class=\"fusion-button-text\">Refinanteaza rapid<\/span><\/a><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><\/div><\/p>\n","protected":false},"excerpt":{"rendered":"<p><span class=\"span-reading-time rt-reading-time\" style=\"display: block;\"><span class=\"rt-label rt-prefix\">Timpul estimat pentru citire: <\/span> <span class=\"rt-time\"> 7<\/span> <span class=\"rt-label rt-postfix\">minute<\/span><\/span><\/p>\n","protected":false},"author":9,"featured_media":1220,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1,54,223,53,16],"tags":[83],"class_list":["post-1219","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-cum-alegi-credit-ipotecar","category-credit-ipotecar","category-credite-ipotecare","category-bine-de-stiut","category-noutati-despre-credite","tag-credit-ipotecar-fara-avans"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Pot s\u0103 iau un credit ipotecar cu venituri din str\u0103in\u0103tate?<\/title>\n<meta name=\"description\" content=\"Descoper\u0103 cum po\u021bi ob\u021bine un credit ipotecar cu venituri din str\u0103in\u0103tate \u00een Rom\u00e2nia: condi\u021bii, documente necesare \u0219i b\u0103nci recomandate.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/123credit.ro\/blog\/eligibilitate-si-conditii-generale-credit-ipotecar-cu-venituri-din-strainatate\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Pot s\u0103 iau un credit ipotecar cu venituri din str\u0103in\u0103tate?\" \/>\n<meta property=\"og:description\" content=\"Descoper\u0103 cum po\u021bi ob\u021bine un credit ipotecar cu venituri din str\u0103in\u0103tate \u00een Rom\u00e2nia: condi\u021bii, documente necesare \u0219i b\u0103nci recomandate.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/123credit.ro\/blog\/eligibilitate-si-conditii-generale-credit-ipotecar-cu-venituri-din-strainatate\/\" \/>\n<meta property=\"og:site_name\" content=\"Blogul 123Credit\" \/>\n<meta property=\"article:published_time\" 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