{"id":1376,"date":"2024-08-27T13:49:05","date_gmt":"2024-08-27T10:49:05","guid":{"rendered":"https:\/\/123credit.ro\/blog\/?p=1376"},"modified":"2024-11-04T12:16:32","modified_gmt":"2024-11-04T10:16:32","slug":"cum-putem-asigura-vanzatorul-reticent-ca-o-tranzactie-prin-credit-ipotecar-este-sigura","status":"publish","type":"post","link":"https:\/\/123credit.ro\/blog\/cum-putem-asigura-vanzatorul-reticent-ca-o-tranzactie-prin-credit-ipotecar-este-sigura\/","title":{"rendered":"Siguran\u021ba tranzac\u021biei imobiliare prin credit ipotecar: cum putem asigura un v\u00e2nz\u0103tor reticent c\u0103 o tranzac\u021bie prin credit ipotecar este sigur\u0103"},"content":{"rendered":"Timpul estimat pentru citire: <\/span> 6<\/span> minute<\/span><\/span>

De\u0219i sunt \u00een sc\u0103dere ca num\u0103r, exist\u0103 \u00eenc\u0103 tranzac\u021bii care nu au loc pentru c\u0103 v\u00e2nz\u0103torul este reticent cu privire la a accepta \u00eencasarea pre\u021bului din <\/span>credit ipotecar.<\/span><\/a><\/p>\n

Care sunt principalele temeri ale v\u00e2nz\u0103torilor legate de creditele ipotecare<\/b><\/h2>\n

Iat\u0103 c\u00e2teva obiec\u021bii pe care v\u00e2nz\u0103torii le pot avea legat de v\u00e2nzarea cu ajutorul unui credit ipotecar<\/a><\/b><\/span>:<\/p>\n

Dureaz\u0103 prea mult \u0219i se cer prea multe acte<\/span><\/h3>\n

\u00cen cele mai multe cazuri, atunci c\u00e2nd un cump\u0103rator \u00ee\u0219i caut\u0103 un imobil, are un credit preaprobat, deci o prim\u0103 etap\u0103 a procesului de creditare este finalizat\u0103.<\/span><\/p>\n

A doua etap\u0103 \u021bine de verificarea <\/span>actelor imobilului<\/b><\/a>. \u00cen majoritatea cazurilor actele sunt \u00een regul\u0103 \u0219i avizul juridic vine \u00een medie \u00een 2-3 zile lucr\u0103toare. Cazurile \u00een care actele imobilului nu sunt complete sau necesit\u0103 rectific\u0103ri sau nu permit deloc continuarea tranzac\u021biei se \u00eemparte \u00een dou\u0103 categorii:<\/span><\/p>\n

    \n
  1. Actele nu ar fi corespuns efectu\u0103rii tranzac\u021biei chiar dac\u0103 v\u00e2nzarea nu s-ar face prin credit. Notarul are obliga\u021bia de a verifica documentele care fac obiectul tranzac\u021biei. Exist\u0103 multe tipuri de situa\u021bii \u00een care o tranzac\u021bie nu poate continua. Iat\u0103 c\u00e2teva exemple: nu s-a f\u0103cut succesiunea, exist\u0103 litigii, uzufruct sau ipotec\u0103, documenta\u021bia cadastral\u0103 nu este \u00eentocmit\u0103 corect, imobilul nu este \u00eent\u0103bulat \u0219.a.m.d.<\/span><\/li>\n
  2. Un notar ar putea accepta finalizarea tranzac\u021biei \u00een baza documenta\u021biei existente dar o banc\u0103 nu ar accepta. Acestea sunt situa\u021biile care permit efectuarea tranzac\u021biei dar exist\u0103 riscul unui litigiu ulterior. Un exemplu ar fi atunci c\u00e2nd actualul v\u00e2nz\u0103tor nu poate dovedi c\u0103 a pl\u0103tit pre\u021bul \u00eentreg enun\u021bat in contractul de v\u00e2nzare-cump\u0103rare, chiar dac\u0103 au trecut mul\u021bi ani. Majoritatea acestor cazuri sunt remediabile.<\/span><\/li>\n<\/ol>\n

    V\u00e2nz\u0103torul beneficiaz\u0103, de asemenea, de verific\u0103rile b\u0103ncii dat fiind c\u0103 este de asemenea ferit de nepl\u0103ceri ulterioare tranzac\u021biei. Prin contractul de v\u00e2nzare-cump\u0103rare el \u00ee<\/strong><\/span>l garanteaz\u0103 pe cump\u0103r\u0103tor \u00eempotriva oric\u0103ror evic\u021biuni totale sau par\u021biale<\/b>, deci orice litigiu ulterior care ar proveni din perioada \u00een care acesta era proprietar, il va implica \u0219i pe el chiar dac\u0103 nu mai este proprietar.<\/span><\/p>\n

    Nu are \u00eencredere \u00een b\u0103nci<\/span><\/h3>\n

    Sistemul bancar din Romania este unul dintre cele mai sigure posibil. Ca dovad\u0103 c\u0103 statul rom\u00e2n nu a fost nevoit s\u0103 salveze b\u0103ncile de la faliment \u00een timpul crizei financiare din 2008. Autorit\u0103\u021bile au pus \u00een aplicare \u00eenv\u0103\u021b\u0103mintele trase in timpul falimentelor bancare din anii 90.<\/span><\/p>\n

    Pe deasupra, orice plat\u0103 a pre\u021bului imobilului se face obligatoriu prin virament bancar, legea permi\u021b\u00e2nd ca doar echivalentul a 10.000 euro s\u0103 se poat\u0103 achita cu bani lichizi.<\/span><\/p>\n

    Exist\u0103 riscul s\u0103 se r\u0103zg\u00e2ndeasc\u0103 cump\u0103r\u0103torul sau ca banca s\u0103 nu aprobe dosarul<\/span><\/h3>\n

    A\u0219a cum men\u021bionam anterior, in cele mai multe cazuri cump\u0103r\u0103torul are un credit<\/b><\/a> preaprobat.<\/p>\n

    Pentru siguran\u021ba sa, v\u0103nz\u0103torul poate cere semnarea unui antecontract prin care s\u0103 primeasc\u0103 o garan\u021bie. \u00cen unele cazuri, antecontractul este chiar o condi\u021bie a b\u0103ncii \u00een procesul de aprobare a creditului.<\/span><\/p>\n

    Care sunt <\/b>actele <\/a><\/b>pe care v\u0103nz\u0103torul le prezint\u0103 \u00een vederea verific\u0103rii documenta\u021biei imobilului<\/b><\/h2>\n

    Cartea Funciar\u0103 ( CF-ul ) <\/strong><\/h3>\n

    Este documentul care sintetizeaz\u0103 situa\u021bia imobilului \u0219i are 3 sec\u021biuni<\/span><\/p>\n

      \n
    1. Descrierea imobilului <\/span><\/li>\n<\/ol>\n
        \n
      • Numar cadastral\/ numar topo<\/span><\/li>\n
      • Adresa <\/span><\/li>\n
      • Descriere imobil<\/span><\/li>\n<\/ul>\n

        2. Proprietari \u0219i acte<\/span><\/p>\n

          \n
        • Numele proprietarilor<\/span><\/li>\n
        • Documentele care au stat la banza \u00eent\u0103bul\u0103rii imobilului<\/span><\/li>\n<\/ul>\n

          3. Sarcini <\/span><\/p>\n

            \n
          • Aici sunt men\u021bionate ipoteci, drepturi de uzufruct, contracte de \u00eenchiriere sau alte forme de sarcini asupra imobilului.<\/span><\/li>\n<\/ul>\n

            Actul de dob\u00e2ndire<\/strong><\/span><\/h3>\n

            C\u00e2teva exemple de acte de dob\u00e2ndire ar fi:<\/span><\/p>\n

              \n
            • Actul de v\u00e2nzare-cump\u0103rare<\/span><\/li>\n
            • Act de succesiune \u0219i certificat de mo\u0219tenitor ( \u00een cazul mo\u0219tenirilor). La v\u00e2nzare vor participa to\u021bi mo\u0219tenitorii, fie \u00een persoan\u0103, fie prin procur\u0103.<\/span><\/li>\n
            • Act de dona\u021bie ( acesta este atacabil de c\u0103tre mo\u0219tenitori \u00een primii 3 ani de la decesul persoanei care a donat; de obicei mo\u0219tenitorii dau o declara\u021bie c\u0103 nu au preten\u021bii)<\/span><\/li>\n
            • Act de \u00eentre\u021binere <\/span><\/li>\n
            • Act de partaj ( prin care una dintre p\u0103r\u021bi desp\u0103gube\u0219te o alt\u0103 parte din imobil r\u0103m\u00e2n\u00e2nd proprietar\u0103)<\/span><\/li>\n
            • Act de adjudecare ( exist\u0103 imobile care au fost dob\u00e2ndite \u00een urma unei licita\u021bii, acestea se pot vinde f\u0103r\u0103 niciun risc)<\/span><\/li>\n
            • Documenta\u021bia de construire \u00een cazul imobilelor care sunt la primul proprietar<\/span><\/li>\n<\/ul>\n

              Acestea ar fi principalele acte de dob\u00e2ndire dar nu sunt singurele.<\/span><\/p>\n

              Schi\u021b\u0103. Releveu <\/span><\/h3>\n

              Orice imobil de locuit care face obiectul unei tranzac\u021bii prin credit ipotecar trebuie s\u0103 aib\u0103 o schi\u021b\u0103 \u00eentocmit\u0103 de un topograf autorizat.<\/span><\/p>\n

              Certificat energetic<\/strong><\/span><\/span><\/h3>\n

              Ob\u021binerea certificatului energetic revine \u00een sarcina v\u0103nz\u0103torului \u0219i se pred\u0103 cump\u0103r\u0103torului la finalizarea tranzac\u021biei. Se \u00eentocme\u0219te de un auditor energetic \u0219i este valabil 10 ani. Acest document atest\u0103 eficien\u021ba energetic\u0103 a imobilului.<\/span><\/p>\n

              Aceste documente sunt punctul de pornire pentru orice dosar de credit, banca poate cere documente suplimentare de la caz la caz.<\/span><\/p>\n

              Ce trebuie s\u0103 fac\u0103 v\u00e2nz\u0103torul pentru a \u0219ti c\u0103 poate avea \u00eencredere <\/b><\/h2>\n

              Majoritatea pa\u0219ilor intr-o tranzac\u021bie imobiliar\u0103 au un singur scop: stabilirea \u00eencrederii.<\/span><\/p>\n

              Banca verific\u0103 clientul pentru a se asigura c\u0103 \u00ee\u0219i poate pl\u0103ti rata, verific\u0103 actele imobilului pentru a se asigura c\u0103 nu exist\u0103 riscul unor litigii ulterioare. Cere avans pentru a se asigura c\u0103 valoarea imobilului va acoperi creditul \u0219i pe viitor. Pune ipotec\u0103 pentru a fi sigur\u0103 c\u0103 \u00ee\u0219i poate recupera banii \u00een caz de neplat\u0103.<\/span><\/p>\n

              Cump\u0103r\u0103torul vrea s\u0103 se asigure c\u0103 imobilul este \u00een regul\u0103 \u0219i este protejat prin clauzele din contractul de v\u00e2nzare-cump\u0103rare. Se poate asigura prin antecontract c\u0103 nu va pierde imobilul.<\/span><\/p>\n

              V\u00e2nz\u0103torul este, de asemenea protejat prin clauzele contractuale c\u0103 \u00ee\u0219i va primi to\u021bi banii.<\/span><\/p>\n

              In cazul \u00een care are nevoie de asigur\u0103ri cel mai indicat este ca v\u00e2nz\u0103torul s\u0103 vorbeasc\u0103 cu o persoan\u0103 cu autoritate sau \u00een care are pur \u0219i simplu \u00eencredere.<\/span><\/p>\n

              O astfel de persoan\u0103 poate fi agentul imobiliar, brokerul de credite, consilierul de credite din banc\u0103 sau notarul.<\/span><\/p>\n

              Este perfect normal ca \u00eentr-o astfel de tranzac\u021bie lumea s\u0103 aib\u0103 o anumit\u0103 stare de anxietate. Vorbim de sume mari \u0219i probabil cea mai mare tranzac\u021bie financiar\u0103 pentru majoritatea dintre noi.<\/span><\/p>\n

              Concluzie<\/b><\/h2>\n

              Rolul profesioni\u0219tilor implica\u021bi \u00een tranzac\u021bie este \u0219i acela de a asigura p\u0103r\u021bile c\u0103 i\u0219i vor face treaba \u0219i c\u0103 procesul este unul sigur, dar \u0219i de a le explica clar \u0219i pe \u00een\u021beles care este acel proces p\u0103n\u0103 la primirea banilor de c\u0103tre v\u00e2nz\u0103tor.<\/span><\/p>\n

              Dac\u0103 v\u00e2nz\u0103torul are nel\u0103muriri, poate \u00eentreba o persoan\u0103 \u00een care are \u00eencredere, cu autoritate care sunt pa\u0219ii, durata, costurile sau orice alt\u0103 nel\u0103murire pe care ar putea s\u0103 o aibe legat de \u00eentregul proces.<\/span><\/p>\n

              \u00centreb\u0103ri frecvente:<\/b><\/h2>\n

              Care sunt pa\u0219ii unui credit ipotecar?<\/span><\/h3>\n

              Pentru p\u0103r\u021bile implicate este important s\u0103 \u0219tie care sunt pa\u0219ii dosarului de credit.<\/span><\/p>\n

              Primul pas ar fi preaprobarea financiar\u0103, urmat de verificarea actelor imobilului \u0219i de evaluare. Sunt situa\u021bii \u00een care ace\u0219ti pa\u0219i se fac \u00een paralel, scurt\u00e2nd astfel durata dosarului de credit.<\/span><\/p>\n

              C\u00e2t dureaz\u0103 acordarea unui credit ipotecar?<\/span><\/h3>\n

              Media <\/b>este \u00eentre 2 \u0219i 4 s\u0103pt\u0103m\u00e2ni. Depinz\u00e2nd de banca la care este dosarul, volumul de lucru, complexitatea dosarului dar \u0219i de disponibilitatea p\u0103r\u021bilor de a se implica in finalizarea sa. <\/span><\/p>\n

              In c\u00e2t timp \u00ee\u0219i prime\u0219te v\u0103nz\u0103torul banii din momentul semn\u0103rii?<\/span><\/h3>\n

              Aici depinde mult de banc\u0103. Unele b\u0103nci vireaz\u0103 banii \u00een baza notei de \u00eenregistrare la cadrastru, trimis\u0103 de notar, altele a\u0219teapt\u0103 sosirea CF-ului cu ipotec\u0103, lucru care dureaz\u0103 dou\u0103-trei zile lucr\u0103toare.<\/span><\/p>\n

              Media este 2-4 zile de la semnare<\/span><\/p>\n

              Se poate \u00eent\u00e2mpla ca v\u0103nz\u0103torul s\u0103 nu \u00ee\u0219i primeasc\u0103 banii dup\u0103 ce a semnat contractul de v\u00e2nzare-cump\u0103rare?<\/span><\/h3>\n

              Dup\u0103 semnarea contractului de v\u00e2nzare-cump\u0103rare, contractele sunt verificate de centrala b\u0103ncii care d\u0103 und\u0103 verde, apoi, pentru virarea banilor. Pot exista situa\u021bii \u00een care se cer rectific\u0103ri \u0219i plata s\u0103 fie am\u00e2nat\u0103 p\u00e2n\u0103 la remediere iar v\u00e2nz\u0103torul este protejat prin contractul de v\u00e2nzare-cump\u0103rare unde este specificat un termen p\u00e2n\u0103 la care banca se oblig\u0103 s\u0103 vireze banii, \u00een caz contrar, v\u00e2nz\u0103torul put\u00e2nd reintra \u00een posesia imobilului. Acest termen este de obicei intre 7 si 14 zile.<\/span><\/p>\n

              Poate avea \u00eencredere v\u0103nz\u0103torul s\u0103 dea spre verificare actele imobilului?<\/span><\/h3>\n

              Orice v\u00e2nzare se face doar \u00een fa\u021ba unui notar public, care este reprezentantul statului \u0219i atest\u0103 sub semn\u0103tur\u0103 c\u0103 p\u0103r\u021bile au semnat documentele de bun\u0103 voie. Imobilul nu poate fi v\u00e2ndut dec\u00e2t cu acordul \u0219i sub semn\u0103tura proprietarului \u0219i \u00een fa\u021ba unui notar public.<\/span><\/p>\n<\/div><\/div><\/div><\/div><\/div>\n","protected":false},"excerpt":{"rendered":"

              Timpul estimat pentru citire: <\/span> 6<\/span> minute<\/span><\/span><\/p>\n","protected":false},"author":14,"featured_media":1587,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1,54,223,53],"tags":[],"class_list":["post-1376","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"],"yoast_head":"\nV\u00e2nz\u0103torul reticent \u0219i creditul ipotecar<\/title>\n<meta name=\"description\" content=\"Afl\u0103 cum po\u021bi lini\u0219ti v\u00e2nz\u0103torul reticent \u0219i s\u0103-i oferi siguran\u021ba necesar\u0103 \u00eentr-o tranzac\u021bie prin credit ipotecar.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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