{"id":1384,"date":"2024-08-28T23:14:48","date_gmt":"2024-08-28T20:14:48","guid":{"rendered":"https:\/\/123credit.ro\/blog\/?p=1384"},"modified":"2024-11-04T12:16:23","modified_gmt":"2024-11-04T10:16:23","slug":"mituri-despre-creditul-ipotecar","status":"publish","type":"post","link":"https:\/\/123credit.ro\/blog\/mituri-despre-creditul-ipotecar\/","title":{"rendered":"Mituri despre creditul ipotecar"},"content":{"rendered":"Timpul estimat pentru citire: <\/span> 5<\/span> minute<\/span><\/span>

5 mituri despre creditele ipotecare \u0219i cum putem evita s\u0103 c\u0103dem \u00een capcana miturilor despre credite care se dovedesc a nu fi reale<\/span><\/h2>\n

\u00cen domeniul \u00een care activ\u0103m \u00eent\u00e2lnim des diferite mituri despre creditele ipotecare<\/b><\/a>. \u00cen r\u00e2ndurile care urmeaz\u0103 am dori s\u0103 v\u0103 prezent\u0103m c\u00e2teva dintre cele mai des \u00eent\u00e2lnite mituri \u00een decursul anilor.
<\/span><\/p>\n

<\/b><\/p>\n

1) \u00cen 30 de ani pl\u0103tesc dublu. <\/b><\/h3>\n

Este adev\u0103rat c\u0103 \u00een 30 de ani pl\u0103tim mai mult dec\u00e2t dublu la dob\u00e2nzile de acum, dar \u0219i la o rat\u0103 a infla\u021biei de 3% pe an, ceea ce am putea spune c\u0103 este extrem de optimist, devalorizarea banilor tot dep\u0103\u0219e\u0219te valoarea pe care am pl\u0103ti-o b\u0103ncii. La o rat\u0103 medie a infla\u021biei de 5% pe an, banii s-ar devaloriza \u00een 30 de ani de 4,3 ori, adic\u0103 cu 430%, sau, altfel spus, banii \u0219i-ar pierde aproape 77% din valoare. <\/span><\/p>\n<\/p>\n

Propunerea ar fi s\u0103 privim lucrurile din perspectiva celor 30 de ani trecu\u021bi, nu a celor 30 de ani care stau s\u0103 \u00eenceap\u0103. Tot ce conteaz\u0103 este cu ce ne alegem la final. Infla\u021bia poate fi cel mai bun prieten al unui posesor de credit ipotecar.<\/span><\/p>\n

<\/b><\/p>\n

2) Dac\u0103 m-au respins dou\u0103 banci, o va face \u0219i a treia<\/b><\/h3>\n

B\u0103ncile au dob\u00e2nzile relativ asem\u0103n\u0103toare, accept\u0103 acelasi<\/span> <\/a>grad de \u00eendatorare<\/b><\/a> <\/a>\u0219i acord\u0103 pe aceea\u0219i peroad\u0103 creditele. \u0218i atunci care este diferen\u021ba dintre b\u0103nci?<\/span><\/p>\n

Am putea crede c\u0103 produsul pe care \u00eel v\u00e2nd b\u0103ncile sunt banii, dar adev\u0103ratul lor produs sunt serviciile. \u0218i aici b\u0103ncile pot prezenta diferen\u021be considerabile.<\/span><\/p>\n

Exist\u0103 condi\u021bii peste care nicio banc\u0103 nu trece. De exemplu, dac\u0103 clientul are \u00eent\u00e2rzieri mari \u00eenregistrate \u00een biroul de credit, sau dac\u0103 nu are venituri fiscalizate.<\/span><\/p>\n

Dar diferen\u021bele dintre b\u0103nci pot fi semnificative, variind de la tipurile de venituri acceptate, la imobilele eligibile \u0219i chiar la documenta\u021bia solicitat\u0103. Am avut cazuri \u00een care clientul a fost respins \u0219i de 5 b\u0103nci \u00eenainte s\u0103 i se aprobe un credit ipotecar \u00een cele din urm\u0103.<\/span><\/p>\n<\/p>\n

\u00cen astfel de cazuri, este recomandat s\u0103 apela\u021bi la un broker de credite. Ace\u0219tia au experien\u021b\u0103 \u0219i pot scuti clientul de multe b\u0103t\u0103i de cap, g\u0103sind solu\u021bii chiar \u0219i pentru dosare dificile.<\/span><\/p>\n

<\/b><\/p>\n

3) Odat\u0103 luat un credit pe 30 de ani, voi r\u0103m\u00e2ne dator p\u00e2n\u0103 la b\u0103tr\u00e2ne\u021be<\/b><\/h3>\n

Ce este cu adev\u0103rat surprinz\u0103tor este c\u0103 durata medie a creditelor \u00een Romania se apropie de 10 ani. Asta pentru c\u0103 veniturile au crescut \u0219i oamenii au achitat \u00een avans sume mai mari, sau au v\u00e2ndut imobilul pentru a-\u0219i lua ceva mai spa\u021bios sau \u00een alt\u0103 zon\u0103, sau le refinan\u021beaz\u0103 \u00een condi\u021bii mai bune.<\/span><\/p>\n<\/p>\n

Este important s\u0103 ne g\u00e2ndim c\u0103, de\u0219i contractul este pe termen lung, exist\u0103 posibilitatea de a pl\u0103ti anticipat sau de a refinan\u021ba. De asemenea, chiar dac\u0103 creditul se pl\u0103te\u0219te pe toat\u0103 durata sa, la final r\u0103m\u00e2nem cu imobilul achitat.<\/span><\/p>\n

4) Dac\u0103 nu sunt client VIP, banca m\u0103 va trata diferit<\/b><\/h3>\n

Contrar credin\u021bei populare, b\u0103ncile analizeaz\u0103 dosarele de credit cu acela\u0219i mod fie c\u0103 vorbim de un client cu venit minim pe economie, fie c\u0103 vorbim de un om de afaceri sau director de multina\u021bional\u0103. Ba din contr\u0103, sunt \u0219anse ca banca s\u0103 fie mult mai riguroas\u0103 \u00een analiz\u0103 atunci c\u00e2nd vine vorba de sume mai mari pentru simplul fapt c\u0103 \u0219i riscul este mai mare pentru ea.<\/span><\/p>\n<\/p>\n

Este important s\u0103 \u0219tim c\u0103 b\u0103ncile apreciaz\u0103 clien\u021bii con\u0219tiincio\u0219i, chiar dac\u0103 au venituri mai mici. Men\u021binerea unui comportament financiar responsabil poate \u00eembun\u0103t\u0103\u021bi considerabil rela\u021bia cu banca.<\/span><\/p>\n

<\/b><\/p>\n

5) Dac\u0103 am ipotec\u0103 pe imobil, nu voi mai putea vinde imobilul p\u00e2n\u0103 la terminarea creditului<\/b><\/h3>\n

Exist\u0103 convingerea c\u0103 at\u00e2ta timp c\u00e2t banca are ipotec\u0103 pe un imobil, acel imobil apar\u021bine b\u0103ncii. Ceea ce nu este adev\u0103rat. Desigur c\u0103 pentru multe lucruri avem nevoie de acordul b\u0103ncii. Fie c\u0103 vrem s\u0103 \u00eel \u00eenchiriem, fie c\u0103 vrem s\u0103 facem un sediu social pentru o firm\u0103 sau poate vrem s\u0103 aducem modific\u0103ri \u00een ceea ce prive\u0219te compartimentarea sa.<\/span><\/p>\n

La fel este \u0219i \u00een cazurile \u00een care avem un cump\u0103r\u0103tor care dore\u0219te s\u0103 cumpere imobilul la r\u00e2ndul s\u0103u printr-un credit ipotecar. B\u0103ncile fac un schimb de adrese pentru a se asigura c\u0103 mutarea ipotecii dar \u0219i schimbarea proprietarului se face \u021bin\u00e2nd cont de principiul pruden\u021bei.<\/span><\/p>\n

Chiar \u0219i pentru imobile dob\u00e2ndite prin programele guvernamentale Prima Cas\u0103 sau <\/span>Noua Cas\u0103<\/b><\/a>, Fondul de Garantare \u00ee\u0219i d\u0103 acordul de \u00eenstr\u0103inare chiar dac\u0103 creditul nu a dep\u0103\u0219it durata de 5 ani pentru care este \u00eenscris\u0103 interdic\u021bia.<\/span><\/p>\n

O alt\u0103 metod\u0103 de a vinde este prin \u00eencasarea unui avans cu care s\u0103 se sting\u0103 creditul ipotecar, imobilul r\u0103m\u00e2n\u00e2nd astfel f\u0103r\u0103 sarcini \u00een CF.<\/span><\/p>\n<\/p>\n

\u00cenainte de a vinde imobilul, este recomandat s\u0103 consult\u0103m un specialist (notar, avocat, broker de credite sau reprezentant banc\u0103) pentru a ne asigura c\u0103 toate procedurile sunt corecte \u0219i c\u0103 tranzac\u021bia se desf\u0103\u0219oar\u0103 f\u0103r\u0103 probleme.<\/span><\/p>\n

Concluzie<\/span><\/h2>\n

Dac\u0103 ar fi s\u0103 rezum\u0103m totul la un singur sfat, acela ar fi s\u0103 nu g\u00e2ndim emo\u021bional sau s\u0103 o facem c\u00e2t mai pu\u021bin \u00een acest fel.<\/span><\/p>\n

\u00centreb\u0103ri frecvente (FAQ)<\/span><\/h2>\n

De ce \u00eemi cere banca aceste informa\u021bii sau documente?<\/span><\/h3>\n

Un alt mit este acela c\u0103 b\u0103ncile sunt 100% ra\u021bionale. De exemplu, o banc\u0103 poate cere o declara\u021bie separat\u0103 privind starea civil\u0103 de\u0219i clientul a prezentat un certificat de c\u0103s\u0103torie \u0219i a declarat starea civil\u0103 \u00een cerere. Sau poate cere documente privind un concediu medical de\u0219i clientului nu i se pare justificat. Sunt destule cazuri \u00een care b\u0103ncii i se poate demonstra c\u0103 a gre\u0219it \u0219i sunt cazuri \u00een care pur \u0219i simplu nu avem de ales dec\u00e2t s\u0103 furnizam b\u0103ncii documentul cerut. \u00cen unele cazuri nu \u00een\u021belegem noi ra\u021bionamentul, iar \u00een altele nu are importan\u021b\u0103. Ce este important este aprobarea dosarului de credit \u021bi este singurul lucru la care lucreaz\u0103 orice broker de credite.<\/span><\/p>\n

Am auzit c\u0103 o banc\u0103 a aprobat un credit unei cuno\u0219tin\u021be de\u0219i nu a trebuit s\u0103 \u00eendeplineasc\u0103 acelea\u0219i criterii ca \u0219i mine. Este adev\u0103rat?<\/span><\/h3>\n

R\u0103spunsul este NU. Avem clien\u021bi care au auzit de la cuno\u0219tin\u021be ca li s-a aprobat de\u0219i aveau \u00eent\u00e2rz\u00e2ieri, sau c\u0103 nu s-a \u021binut cont de anumite minusuri. Experien\u021ba ne-a ar\u0103tat c\u0103 multe situa\u021bii nu au fost \u00een\u021belese bine chiar de c\u0103tre persoana care le relateaz\u0103. B\u0103ncile aplic\u0103 acelea\u0219i criterii tuturor.<\/span><\/p>\n<\/div><\/div><\/div><\/div><\/div>\n","protected":false},"excerpt":{"rendered":"

Timpul estimat pentru citire: <\/span> 5<\/span> minute<\/span><\/span><\/p>\n","protected":false},"author":14,"featured_media":1387,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1,54,223,53],"tags":[],"class_list":["post-1384","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":"\nMituri despre creditul ipotecar<\/title>\n<meta name=\"description\" content=\"Descoper\u0103 cele mai comune mituri despre creditul ipotecar \u0219i afl\u0103 adev\u0103rul din spatele lor.\" \/>\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\/mituri-despre-creditul-ipotecar\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" 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Fetea","image":{"@type":"ImageObject","inLanguage":"ro-RO","@id":"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/09\/WhatsApp-Image-2024-09-12-at-16.57.42-96x96.jpeg","url":"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/09\/WhatsApp-Image-2024-09-12-at-16.57.42-96x96.jpeg","contentUrl":"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/09\/WhatsApp-Image-2024-09-12-at-16.57.42-96x96.jpeg","caption":"C\u0103t\u0103lin Fetea"},"description":"Lucrez \u00een domeniul credit\u0103rii din 2007. 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