{"id":1582,"date":"2024-09-09T17:37:33","date_gmt":"2024-09-09T14:37:33","guid":{"rendered":"https:\/\/123credit.ro\/blog\/?p=1582"},"modified":"2024-11-08T12:54:50","modified_gmt":"2024-11-08T10:54:50","slug":"credit-prima-casa-in-2024-2","status":"publish","type":"post","link":"https:\/\/123credit.ro\/blog\/credit-prima-casa-in-2024-2\/","title":{"rendered":"Credit Prima Casa \u00een 2024: informa\u021bii esen\u021biale, refinan\u021bare \u0219i simulare costuri"},"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\"> 15<\/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 style=\"--fontsize: 38; line-height: 1.2;\"><span style=\"background-color: rgba(255, 255, 255, 0); color: var(--body_typography-color); font-family: var(--body_typography-font-family); font-size: var(--body_typography-font-size); font-style: var(--body_typography-font-style,normal); font-weight: var(--body_typography-font-weight); letter-spacing: var(--body_typography-letter-spacing); line-height: 21.2px;\" data-fusion-font=\"true\">Pentru cei care viseaz\u0103 s\u0103 devin\u0103 proprietari de locuin\u021be, un credit prima casa poate fi solu\u021bia ideal\u0103. Acest program ofer\u0103 condi\u021bii speciale, dar pentru a beneficia cu adev\u0103rat de ele, e important s\u0103 cuno\u0219ti toate detaliile.<\/span><\/p>\n<p style=\"--fontsize: 38; line-height: 1.2;\"><span style=\"background-color: rgba(255, 255, 255, 0); color: var(--body_typography-color); font-family: var(--body_typography-font-family); font-size: var(--body_typography-font-size); font-style: var(--body_typography-font-style,normal); font-weight: var(--body_typography-font-weight); letter-spacing: var(--body_typography-letter-spacing); line-height: 21.2px;\" data-fusion-font=\"true\">\u00cen acest articol vei afla condi\u021biile generale pentru un astfel de credit, ce avantaje \u0219i dezavantaje exist\u0103 \u0219i cum folosim un calculator de credit prima casa pentru a simula costurile.<\/span><\/p>\n<h2 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><span style=\"font-weight: 400;\">Condi\u021bii pentru ob\u021binerea unui credit Prima Casa<\/span><\/h2>\n<p><span style=\"line-height: 27.52px;\" data-fusion-font=\"true\">Pentru a aplica la un credit Prima Casa \u00een 2024, este important s\u0103 \u0219tii c\u0103 programul \u0219i-a schimbat denumirea \u00een \u201eNoua Cas\u0103\u201d \u0219i va continua cu un plafon de <\/span><b style=\"line-height: 27.52px;\" data-fusion-font=\"true\">garan\u021bii de 1 miliard de lei. <\/b><\/p>\n<p style=\"line-height: 27.52px;\" data-fusion-font=\"true\">Ca s\u0103 fii eligibil trebuie, printre altele, s\u0103 nu de\u021bii o locuin\u021b\u0103 mai mare de 50 mp utili sau s\u0103 fi participat anterior \u00een program.<\/p>\n<p><span style=\"line-height: 27.52px;\" data-fusion-font=\"true\">De asemenea, trebuie s\u0103 prezin\u021bi un<\/span><b style=\"line-height: 27.52px;\" data-fusion-font=\"true\"> avans minim de 5%<\/b><span style=\"line-height: 27.52px;\" data-fusion-font=\"true\"> din pre\u021bul locuin\u021bei, dac\u0103 are un pre\u021b de p\u00e2n\u0103 la 70.000 de euro, sau un <\/span><b style=\"line-height: 27.52px;\" data-fusion-font=\"true\">avans de 15%<\/b><span style=\"line-height: 27.52px;\" data-fusion-font=\"true\"> pentru locuin\u021be cu pre\u021buri \u00eentre 70.001 \u0219i 140.000 de euro.<\/span><\/p>\n<p>Pentru mai multe informa\u021bii legate de criteriile de eligibilitate, cite\u0219te <a href=\"https:\/\/www.google.com\/url?q=https:\/\/mfinante.gov.ro\/despre-minister\/-\/asset_publisher\/uwgr\/content\/programul-e2-80-9enoua-cas-c4-83-continu-c4-83-c3-aen-anul-2024-cu-un-plafon-de-garan-c8-9bii-c3-aen-valoare-de-1-miliard-de-lei&amp;sa=D&amp;source=docs&amp;ust=1725891543712353&amp;usg=AOvVaw0Wch-oX0tYZ9_2xPXO9xDR\">comunicatul de pres\u0103 oficial al Ministerului Finan\u021belor aici.<\/a><\/p>\n<h3 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 26; line-height: 1.2;\" data-fontsize=\"26\" data-lineheight=\"31.2px\">Avantajele \u0219i dezavantajele unui credit Prima Casa<\/h3>\n<p>Un credit Prima Casa ofer\u0103 avantaje importante care probabil te-au \u0219i atras c\u0103tre aceast\u0103 op\u021biune, cum ar fi dob\u00e2nzile mai mici sau faptul c\u0103 p\u00e2n\u0103 la 50% din valoarea creditului este <b>garantat\u0103 de stat<\/b>, ceea ce poate face \u00eemprumutul mai accesibil pentru tinerii cump\u0103r\u0103tori.<\/p>\n<p>Totu\u0219i, exist\u0103 \u0219i dezavantaje, cum ar fi obliga\u021bia de a achita o <b>prim\u0103 de asigurare<\/b> de 0,3% din soldul garan\u021biei acordate de stat, ceea ce poate cre\u0219te costurile totale ale creditului.<\/p>\n<p>De asemenea, exist\u0103 limit\u0103ri \u00een ceea ce prive\u0219te tipul \u0219i valoarea propriet\u0103\u021bilor pe care le po\u021bi cump\u0103ra, ceea ce poate restr\u00e2nge op\u021biunile disponibile.<\/p>\n<p>Dac\u0103 vrei s\u0103 cite\u0219ti \u00een detaliu despre programul prima casa 2024, po\u021bi accesa <a href=\"https:\/\/www.fngcimm.ro\/attachment\/lt4cM_NOUA%20CASA%202024%202.pdf\"><span style=\"color: var(--awb-color4);\">ghidul<\/span> <\/a>de la Fondul Na\u021bional de Garantare a Creditelor.<\/p>\n<p>Cum func\u021bioneaz\u0103 un calculator credit Prima Casa<\/p>\n<p>Un calculator de credit Prima Casa este un instrument extrem de util, care \u00ee\u021bi permite s\u0103 faci rapid o simulare de credit prima casa \u0219i s\u0103 vezi ce costuri sunt implicate \u00eentr-o astfel de finan\u021bare.<\/p>\n<p>Po\u021bi ob\u021bine instant o estimare a ratei lunare \u0219i a costului total al creditului, prin introducerea unor informa\u021bii de baz\u0103 precum:<\/p>\n<ul>\n<li>valoarea propriet\u0103\u021bii<\/li>\n<li>suma pe care vrei s\u0103 o \u00eemprumu\u021bi<\/li>\n<li>durata creditului<\/li>\n<li>dob\u00e2nda anual\u0103<\/li>\n<\/ul>\n<p>\u00cen general, fiecare banc\u0103 din pia\u021b\u0103 ofer\u0103 astfel de calculatoare pentru simularea unui credit prima casa pe site-ul lor oficial, iar datele legate de dob\u00e2nzi sunt deja completate.<\/p>\n<p>Pe platforma noastr\u0103, de exemplu, <a href=\"https:\/\/123credit.ro\/credit-ipotecar\"><span style=\"color: #141617;\"><span style=\"color: var(--awb-color5);\">calculatorul de credit ipotecar<\/span><\/span><\/a> este simplu de folosit \u0219i \u00ee\u021bi ofer\u0103 o imagine clar\u0103 a sumelor implicate. Po\u021bi ajusta parametrii pentru a vedea cum se schimb\u0103 rata lunar\u0103 \u00een func\u021bie de valoarea avansului \u0219i de durata creditului.<\/p>\n<p>Mai mult dec\u00e2t at\u00e2t, la final po\u021bi alege din<b> peste 150 de oferte <\/b>de la <b>20 de institu\u021bii financiare partenere<\/b>. \u00ce\u021bi recomand\u0103m s\u0103-l folose\u0219ti pentru a-\u021bi planifica bugetul \u0219i pentru a lua o decizie informat\u0103.<\/p>\n<p>Odat\u0103 ce ai \u00een\u021beles modul \u00een care func\u021bioneaz\u0103 un calculator pentru credit prima casa \u0219i cum acesta poate estima costurile implicate, e important s\u0103 cuno\u0219ti \u0219i factorii principali care influen\u021beaz\u0103 aceste costuri.<\/p>\n<p>Uite ce trebuie s\u0103 iei \u00een considerare atunci c\u00e2nd faci o simulare de credit.<\/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-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-1 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--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%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-image-element\" style=\"--awb-max-width:400px;--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><span class=\" fusion-imageframe imageframe-none imageframe-1 hover-type-none\"><a href=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/09\/Screenshot-2024-09-02-at-14.01.11.png\" class=\"fusion-lightbox\" data-rel=\"iLightbox[780ce335b82e54bbc2b]\" data-title=\"Screenshot 2024-09-02 at 14.01.11\" title=\"Screenshot 2024-09-02 at 14.01.11\"><img decoding=\"async\" width=\"1127\" height=\"1048\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/09\/Screenshot-2024-09-02-at-14.01.11.png\" alt class=\"img-responsive wp-image-1572\" srcset=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/09\/Screenshot-2024-09-02-at-14.01.11-200x186.png 200w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/09\/Screenshot-2024-09-02-at-14.01.11-400x372.png 400w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/09\/Screenshot-2024-09-02-at-14.01.11-600x558.png 600w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/09\/Screenshot-2024-09-02-at-14.01.11-800x744.png 800w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/09\/Screenshot-2024-09-02-at-14.01.11.png 1127w\" sizes=\"(max-width: 640px) 100vw, 1127px\" \/><\/a><\/span><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-3 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-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-2 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--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%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-2\"><p>Exemplu de calculator credit prima casa folosit pentru simularea costurilor \u00een 2024<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-4 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-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-3 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--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%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-3\"><h2><span style=\"font-weight: normal;\">Ce trebuie s\u0103 iei \u00een considerare la calcul<\/span><\/h2>\n<p>Unul dintre factorii care influen\u021beaz\u0103 costurile unui \u00eemprumut de acest gen este <b>dob\u00e2nda anual\u0103 efectiv\u0103 (DAE)<\/b>, care include nu doar dob\u00e2nda de baz\u0103, ci \u0219i alte comisioane \u0219i taxe asociate creditului.<\/p>\n<p>Important: Pentru creditul Prima Cas\u0103\/Noua Cas\u0103, se poate opta doar pentru dob\u00e2nzi variabile. \u00cen contextul actual, acest lucru poate reprezenta un dezavantaj, av\u00e2nd \u00een vedere c\u0103 la un credit ipotecar standard cu dob\u00e2nd\u0103 fix\u0103 \u00een primii 3 sau 5 ani, ai putea beneficia de o dob\u00e2nd\u0103 cu p\u00e2n\u0103 la 2 sau chiar 3 puncte procentuale mai mic\u0103. Asta \u00eenseamn\u0103 c\u0103, pe termen lung, fluctua\u021biile dob\u00e2nzii variabile pot duce la costuri mai mari comparativ cu un credit ipotecar standard.<\/p>\n<p>De asemenea, trebuie s\u0103 ai \u00een vedere <b>valoarea avansului<\/b> pe care \u00eel vei pl\u0103ti &#8211; cu c\u00e2t este mai mare, cu at\u00e2t poate reduce mai mult rata lunar\u0103 \u0219i costurile totale ale creditului.<\/p>\n<p>Un alt aspect esen\u021bial este <b>durata<\/b>. De\u0219i o perioad\u0103 mai lung\u0103 poate reduce valoarea ratei lunare, asta va cre\u0219te suma total\u0103 de rambursat datorit\u0103 acumul\u0103rii dob\u00e2nzilor pe termen lung.<\/p>\n<p>Pe platforma noastr\u0103, <a style=\"color: var(--awb-color4);\" href=\"https:\/\/123credit.ro\/credit-ipotecar\">calculatorul<\/a> \u00ee\u021bi permite s\u0103 ajustezi ace\u0219ti parametri pentru a vedea cum se modific\u0103 scenariile financiare \u00een func\u021bie de ce ai ales.<\/p>\n<p>Nu uita s\u0103 \u021bii cont \u0219i de alte cheltuieli, precum <b>asigurarea<\/b> locuin\u021bei sau <b>costurile notariale<\/b>, care pot varia \u00een func\u021bie de valoarea propriet\u0103\u021bii \u0219i de banca finan\u021batoare. Aceste detalii te vor ajuta s\u0103 ob\u021bii o imagine mai complet\u0103 \u0219i realist\u0103 a angajamentului financiar pe care \u00eel implic\u0103 un credit prima casa.<\/p>\n<p>Pentru o simulare de credit prima casa personalizat\u0103 \u0219i o evaluare exact\u0103 a costurilor, \u00ee\u021bi recomand\u0103m s\u0103 vorbe\u0219ti cu un <a style=\"color: var(--awb-color4);\" href=\"https:\/\/123credit.ro\/contact\">consultant<\/a> acreditat. Pe l\u00e2ng\u0103 date exacte, acesta vine \u0219i cu cea mai bun\u0103 variant\u0103 de creditare din pia\u021b\u0103 pentru nevoile tale.<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-5 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-4 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-4\"><h2 class=\"\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\">Refinan\u021bare credit Prima Casa \u2013 c\u00e2nd \u0219i cum se face<\/h2>\n<p>Refinantarea unui credit Prima Cas\u0103 poate fi o op\u021biune atractiv\u0103 pentru cei care vor s\u0103 \u00ee\u0219i optimizeze costurile sau s\u0103 beneficieze de condi\u021bii mai avantajoase pe parcursul perioadei de rambursare.<\/p>\n<p>Refinan\u021barea implic\u0103 \u00eenlocuirea creditului existent cu unul nou, care ofer\u0103 de obicei o rat\u0103 a dob\u00e2nzii mai mic\u0103, o perioad\u0103 de rambursare diferit\u0103 sau alte avantaje financiare. Creditul nou, \u00eens\u0103, va fi un credit ipotecar standard &#8211; nu se poate refinan\u021ba tot cu un credit de tip Prima Casa\/Noua Casa.<\/p>\n<h2 class=\"\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\">C\u00e2nd trebuie s\u0103 faci o refinantare de credit Prima Casa?<\/h2>\n<p>Refinan\u021barea este o decizie care ar trebui evaluat\u0103 cu aten\u021bie, de obicei atunci c\u00e2nd:<\/p>\n<ul>\n<li><b>Ratele dob\u00e2nzilor pe pia\u021b\u0103<\/b> au sc\u0103zut semnificativ fa\u021b\u0103 de momentul \u00een care ai contractat creditul ini\u021bial. O dob\u00e2nd\u0103 mai mic\u0103 poate reduce considerabil suma total\u0103 pe care o vei rambursa.<\/li>\n<li><b>Situa\u021bia ta financiar\u0103 s-a schimbat<\/b> \u0219i vrei s\u0103 ajustezi durata creditului pentru a avea rate lunare mai mici sau, din contr\u0103, pentru a achita creditul mai repede.<\/li>\n<\/ul>\n<p><b>Important<\/b>: Un credit Prima Cas\u0103, la fel ca orice credit ipotecar, nu poate fi refinan\u021bat \u00eempreun\u0103 cu alte tipuri de credite, precum cele de nevoi personale.<\/p>\n<p>Creditele de investi\u021bii imobiliare au o destina\u021bie reglementat\u0103 precis \u0219i pot fi refinan\u021bate doar printr-un produs similar \u0219i doar pentru soldul r\u0103mas, f\u0103r\u0103 a ad\u0103uga sume suplimentare.<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-6 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-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-5 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--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%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-image-element\" style=\"--awb-max-width:400px;--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><span class=\" fusion-imageframe imageframe-none imageframe-2 hover-type-none\"><a href=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/09\/tierra-mallorca-rgJ1J8SDEAY-unsplash-1.jpg\" class=\"fusion-lightbox\" data-rel=\"iLightbox[019f19612d6f0a47e01]\" data-title=\"tierra-mallorca-rgJ1J8SDEAY-unsplash\" title=\"tierra-mallorca-rgJ1J8SDEAY-unsplash\"><img decoding=\"async\" width=\"1598\" height=\"1200\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/09\/tierra-mallorca-rgJ1J8SDEAY-unsplash-1.jpg\" alt class=\"img-responsive wp-image-1583\" srcset=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/09\/tierra-mallorca-rgJ1J8SDEAY-unsplash-1-200x150.jpg 200w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/09\/tierra-mallorca-rgJ1J8SDEAY-unsplash-1-400x300.jpg 400w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/09\/tierra-mallorca-rgJ1J8SDEAY-unsplash-1-600x451.jpg 600w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/09\/tierra-mallorca-rgJ1J8SDEAY-unsplash-1-800x601.jpg 800w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/09\/tierra-mallorca-rgJ1J8SDEAY-unsplash-1-1200x901.jpg 1200w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/09\/tierra-mallorca-rgJ1J8SDEAY-unsplash-1.jpg 1598w\" sizes=\"(max-width: 640px) 100vw, 1200px\" \/><\/a><\/span><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-7 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-margin-bottom: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-6 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--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%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-5\"><p>Refinan\u021bare credit Prima Casa 2024: avantaje \u0219i reduceri de costuri<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-8 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-margin-top:40px;--awb-margin-bottom:40px;--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-7 fusion_builder_column_1_1 1_1 fusion-flex-column fusion-column-inner-bg-wrapper notitles\" 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\/specialisti-credite\" 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\/specialisti-credite\" 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 p\u0103rerea unui specialist \u00een credite?<\/h3><\/a><\/div><div class=\"fusion-clearfix\"><\/div><div class=\"content-container\">\n<p>Un specialist \u00een credite \u00ee\u021bi va oferi consultan\u021b\u0103 \u0219i solu\u021bii financiare legate de ob\u021binerea \u0219i gestionarea creditului 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\/specialisti-credite\" target=\"_blank\" rel=\"noopener noreferrer\"><span class=\"fusion-button-text\">Consult\u0103 un specialist<\/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\/calculator-imprumut\" 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\/calculator-imprumut\" 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);\">Vrei s\u0103 afli c\u00e2t po\u021bi s\u0103 \u00eemprumu\u021bi? <\/h3><\/a><\/div><div class=\"fusion-clearfix\"><\/div><div class=\"content-container\">\n<p>Verific\u0103 care este suma pe care o po\u021bi primi, ce rat\u0103 \u021bi se potrive\u0219te \u0219i care este gradul t\u0103u de \u00eendatorare acces\u00e2nd calculatorul de \u00eemprumut.<\/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\/calculator-imprumut\" target=\"_blank\" rel=\"noopener noreferrer\"><span class=\"fusion-button-text\">C\u00e2t pot s\u0103 \u00eemprumut<\/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 pentru creditul t\u0103u?<\/h3><\/a><\/div><div class=\"fusion-clearfix\"><\/div><div class=\"content-container\">\n<p>Refinan\u021beaz\u0103 creditul t\u0103u 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\">Refinan\u021beaz\u0103 rapid<\/span><\/a><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-9 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-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-8 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--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%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-6\"><h3 data-fontsize=\"26\" style=\"--fontSize: 26; line-height: 1.2;\" data-lineheight=\"31.2px\" class=\"fusion-responsive-typography-calculated\">Cum faci o refinan\u021bare de credit Prima Casa?<\/h3>\n<p>Dac\u0103 te-ai hot\u0103r\u00e2t s\u0103 faci o refinantare de credit prima casa, procesul presupune c\u00e2\u021biva pa\u0219i importan\u021bi:<\/p>\n<p style=\"padding-left: 40px;\"><b>Pasul 1. Analizeaz\u0103 ofertele de refinan\u021bare<\/b><\/p>\n<p>Compar\u0103 ofertele disponibile pe pia\u021b\u0103 \u0219i folose\u0219te un <a style=\"color: var(--awb-color4);\" href=\"https:\/\/123credit.ro\/refinantare-credit-ipotecar\">calculator de refinan\u021bare<\/a> pentru a simula noile rate \u0219i costuri.<\/p>\n<p style=\"padding-left: 40px;\"><b>Pasul 2. Evalueaz\u0103 costurile adi\u021bionale<\/b><\/p>\n<p>Ia \u00een considerare costurile legate de \u00eenchiderea anticipat\u0103 a creditului existent, precum \u0219i eventualele taxe \u0219i comisioane asociate cu noul credit.<\/p>\n<p><b style=\"background-color: rgba(255, 255, 255, 0); color: var(--body_typography-color); font-family: var(--body_typography-font-family); font-size: var(--body_typography-font-size); font-style: var(--body_typography-font-style,normal); letter-spacing: var(--body_typography-letter-spacing);\">         Pasul 3. Aplic\u0103 pentru refinan\u021bare<\/b><\/p>\n<p>Dup\u0103 ce ai ales oferta care \u021bi se potrive\u0219te cel mai bine, va trebui s\u0103 depui o cerere de refinan\u021bare \u0219i s\u0103 furnizezi documenta\u021bia necesar\u0103.<\/p>\n<p>Dac\u0103 \u00eent\u00e2mpini dificult\u0103\u021bi la acest pas, un specialist de credite te poate ajuta s\u0103 alegi <a style=\"color: var(--awb-color4);\" href=\"https:\/\/123credit.ro\/contact\">cea mai bun\u0103 op\u021biune pentru tine. <\/a><\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-10 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-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-9 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--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%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-7\"><h2>Sfaturi finale pentru credit prima casa<\/h2>\n<p>Contractarea unui credit prima casa este cu siguran\u021b\u0103 un pas important \u00een realizarea visului t\u0103u de a deveni proprietar \u0219i pentru a face acest proces c\u00e2t mai simplu \u0219i eficient, te po\u021bi ajuta de instrumentele disponibile online, precum calculatoarele \u0219i simulatoarele de credit.<\/p>\n<p>Dac\u0103 ai deja un credit prima casa \u0219i te g\u00e2nde\u0219ti la modalit\u0103\u021bi de a reduce costurile sau de a beneficia de condi\u021bii mai avantajoase, solu\u021bia poate fi refinan\u021barea &#8211; dac\u0103 e f\u0103cut\u0103 cum trebuie, po\u021bi ajusta rata dob\u00e2nzii sau perioada de rambursare.<\/p>\n<p>\u00cen prezent, din punct de vedere al costurilor \u0219i condi\u021biilor de finan\u021bare, creditul Prima Cas\u0103\/Noua Cas\u0103 este o op\u021biune viabil\u0103 mai ales pentru cei care achizi\u021bioneaz\u0103 locuin\u021be de maxim 70.000 de euro \u0219i nu dispun de un avans mai mare de 5%.<\/p>\n<p>\u00cen alte cazuri, un credit ipotecar standard cu dob\u00e2nd\u0103 fix\u0103 \u00een primii 3 sau 5 ani reprezint\u0103 o op\u021biune mult mai avantajoas\u0103, oferind stabilitate \u0219i costuri mai mici pe termen lung.<\/p>\n<p>Indiferent c\u0103 doar te informezi despre credite sau c\u0103 analizezi deja posibilitatea unei refinan\u021b\u0103ri, folose\u0219te <a style=\"color: var(--awb-color4);\" href=\"https:\/\/123credit.ro\/credit-ipotecar\">calculatorul de credit ipotecar<\/a> sau <a style=\"color: var(--awb-color4);\" href=\"https:\/\/123credit.ro\/refinantare-credit-ipotecar\">calculatorul de refinan\u021bare<\/a> pentru o simulare detaliat\u0103 a costurilor.<\/p>\n<p>Cu ajutorul acestor resurse, vei avea o imagine de ansamblu mai clar\u0103 \u0219i vei putea s\u0103 navighezi cu \u00eencredere procesul de creditare.<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-11 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-10 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-8\"><h2 class=\"\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><b>\u00centreb\u0103ri frecvente <\/b><\/h2>\n<p style=\"--fontsize: 38; line-height: 1.2;\"><b style=\"background-color: rgba(255, 255, 255, 0); color: var(--body_typography-color); font-family: var(--body_typography-font-family); font-size: var(--body_typography-font-size); font-style: var(--body_typography-font-style,normal); letter-spacing: var(--body_typography-letter-spacing);\">1. Ce este programul Prima Cas\u0103\/Noua Cas\u0103?<\/b><\/p>\n<p>Programul Prima Cas\u0103, redenumit acum \u201eNoua Cas\u0103\u201d, este un program guvernamental care ofer\u0103 condi\u021bii speciale de creditare pentru achizi\u021bia primei locuin\u021be, cu garan\u021bii de stat \u0219i dob\u00e2nzi mai avantajoase.<\/p>\n<p><b>2. <\/b><b style=\"color: var(--body_typography-color); font-family: var(--body_typography-font-family); font-size: var(--body_typography-font-size); font-style: var(--body_typography-font-style,normal); letter-spacing: var(--body_typography-letter-spacing); background-color: rgba(255, 255, 255, 0);\">Care sunt condi\u021biile de eligibilitate pentru un credit Prima Cas\u0103 \u00een 2024?<\/b><\/p>\n<p><span style=\"text-align: justify; background-color: rgba(255, 255, 255, 0); color: var(--body_typography-color); font-family: var(--body_typography-font-family); font-size: var(--body_typography-font-size); font-style: var(--body_typography-font-style,normal); font-weight: var(--body_typography-font-weight); letter-spacing: var(--body_typography-letter-spacing);\"> Pentru a fi eligibil, trebuie s\u0103 nu de\u021bii o locuin\u021b\u0103 mai mare de 50 mp utili, s\u0103 nu fi participat anterior \u00een program \u0219i s\u0103 po\u021bi oferi un avans minim de 5% sau 15%, \u00een func\u021bie de pre\u021bul locuin\u021bei.<\/span><\/p>\n<p style=\"text-align: justify;\"><b>3. <span style=\"background-color: rgba(255, 255, 255, 0); color: var(--body_typography-color); font-family: var(--body_typography-font-family); font-size: var(--body_typography-font-size); font-style: var(--body_typography-font-style,normal); letter-spacing: var(--body_typography-letter-spacing);\">Cum pot face o simulare de credit Prima Cas\u0103?<\/span><\/b><\/p>\n<p>Po\u021bi folosi un calculator de credit Prima Cas\u0103 disponibil pe site-urile b\u0103ncilor sau pe platforma noastr\u0103, introduc\u00e2nd informa\u021bii precum valoarea propriet\u0103\u021bii, suma dorit\u0103, durata creditului \u0219i dob\u00e2nda anual\u0103 pentru a ob\u021bine o estimare a costurilor.<\/p>\n<p><b>4. <span style=\"background-color: rgba(255, 255, 255, 0); color: var(--body_typography-color); font-family: var(--body_typography-font-family); font-size: var(--body_typography-font-size); font-style: var(--body_typography-font-style,normal); letter-spacing: var(--body_typography-letter-spacing);\">Ce avantaje ofer\u0103 un credit Prima Cas\u0103?<\/span><\/b><\/p>\n<p>Printre avantajele principale se num\u0103r\u0103 dob\u00e2nzile subven\u021bionate \u0219i garan\u021bia de stat de p\u00e2n\u0103 la 50% din valoarea creditului, ceea ce face acest tip de \u00eemprumut mai accesibil pentru tinerii cump\u0103r\u0103tori.<\/p>\n<p><b>5. <span style=\"background-color: rgba(255, 255, 255, 0); color: var(--body_typography-color); font-family: var(--body_typography-font-family); font-size: var(--body_typography-font-size); font-style: var(--body_typography-font-style,normal); letter-spacing: var(--body_typography-letter-spacing);\">Ce dezavantaje are un credit Prima Cas\u0103?<\/span><\/b><\/p>\n<p>Dezavantajele includ obliga\u021bia de a pl\u0103ti o prim\u0103 de asigurare de 0,3% din soldul garan\u021biei \u0219i limit\u0103rile impuse asupra tipului \u0219i valorii locuin\u021bei achizi\u021bionate. De asemenea, se poate opta doar pentru dob\u00e2nzi variabile, care pot cre\u0219te costurile pe termen lung.<\/p>\n<p><b>6. <span style=\"background-color: rgba(255, 255, 255, 0); color: var(--body_typography-color); font-family: var(--body_typography-font-family); font-size: var(--body_typography-font-size); font-style: var(--body_typography-font-style,normal); letter-spacing: var(--body_typography-letter-spacing);\">C\u00e2nd ar trebui s\u0103 consider refinan\u021barea unui credit Prima Cas\u0103?<\/span><\/b><\/p>\n<p><span style=\"font-weight: 400;\">\u00cen general, la creditul ipotecar pot fi accepta\u021bi maxim 3 codebitori, dintre care unul neap\u0103rat trebuie s\u0103 fie rud\u0103.<\/span><\/p>\n<p><b>7. <\/b><span style=\"background-color: rgba(255, 255, 255, 0); color: var(--body_typography-color); font-family: var(--body_typography-font-family); font-size: var(--body_typography-font-size); font-style: var(--body_typography-font-style,normal); letter-spacing: var(--body_typography-letter-spacing);\"><b>Pot combina un credit Prima Cas\u0103 cu alte tipuri de credite la refinan\u021bare?<\/b><\/span><\/p>\n<p>Nu, un credit Prima Cas\u0103 nu poate fi refinan\u021bat \u00eempreun\u0103 cu alte tipuri de credite, precum cele de nevoi personale. Aceste credite ipotecare pot fi refinan\u021bate doar printr-un produs similar \u0219i doar pentru soldul r\u0103mas, f\u0103r\u0103 sume suplimentare.<span style=\"background-color: rgba(255, 255, 255, 0); color: var(--body_typography-color); font-family: var(--body_typography-font-family); font-size: var(--body_typography-font-size); font-style: var(--body_typography-font-style,normal); letter-spacing: var(--body_typography-letter-spacing);\"><b><br \/>\n<\/b><\/span><\/p>\n<p><b>8. <\/b><span style=\"background-color: rgba(255, 255, 255, 0); color: var(--body_typography-color); font-family: var(--body_typography-font-family); font-size: var(--body_typography-font-size); font-style: var(--body_typography-font-style,normal); letter-spacing: var(--body_typography-letter-spacing);\"><b>Este mai avantajos un credit Prima Cas\u0103 sau un credit ipotecar standard?<\/b><\/span><\/p>\n<p>Depinde de situa\u021bia ta. Creditul Prima Cas\u0103 este mai avantajos pentru locuin\u021be de maxim 70.000 de euro cu un avans de 5%. \u00cen alte cazuri, un credit ipotecar standard cu dob\u00e2nd\u0103 fix\u0103 pe termen scurt (3-5 ani) poate fi o op\u021biune mai bun\u0103, oferind stabilitate \u0219i costuri mai mici.<span style=\"background-color: rgba(255, 255, 255, 0); color: var(--body_typography-color); font-family: var(--body_typography-font-family); font-size: var(--body_typography-font-size); font-style: var(--body_typography-font-style,normal); letter-spacing: var(--body_typography-letter-spacing);\"><b><br \/>\n<\/b><\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-12 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-sizes-top:1;--awb-border-sizes-bottom:1;--awb-border-sizes-left:1;--awb-border-sizes-right:1;--awb-border-color:var(--awb-color3);--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:20px;--awb-padding-right:20px;--awb-padding-bottom:20px;--awb-padding-left:20px;--awb-flex-wrap:wrap;--awb-box-shadow: 0px 0px ;\" ><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-11 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--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-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%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-1 fusion-sep-none fusion-title-center fusion-title-text fusion-title-size-four\" style=\"--awb-margin-bottom:0px;--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:10px;--awb-margin-left-small:0px;--awb-font-size:28px;\"><h4 class=\"fusion-title-heading title-heading-center fusion-responsive-typography-calculated\" style=\"margin:0;font-size:1em;--fontSize:28;line-height:var(--awb-typography1-line-height);\"><p><span style=\"font-weight: normal;\">Alege din cele<\/span> <span style=\"color: var(--awb-color4);\">150+<\/span><span style=\"font-weight: normal;\"> de oferte de la <\/span><span style=\"color: var(--awb-color4);\">20+<\/span><span style=\"font-weight: normal;\"> institu\u021bii<br \/>\nfinanciare partenere:<\/span><\/p><\/h4><\/div><div class=\"fusion-image-carousel fusion-image-carousel-fixed fusion-image-carousel-1\"><div class=\"awb-carousel awb-swiper awb-swiper-carousel awb-carousel--carousel awb-swiper-dots-position-bottom\" data-layout=\"carousel\" data-autoplay=\"no\" data-autoplayspeed=\"2500\" data-autoplaypause=\"no\" data-loop=\"yes\" data-columns=\"5\" data-columnsmedium=\"1\" data-columnssmall=\"1\" data-itemmargin=\"0\" data-itemwidth=\"180\" data-touchscroll=\"no\" data-freemode=\"no\" data-imagesize=\"fixed\" data-scrollitems=\"0\" data-centeredslides=\"no\" data-rotationangle=\"50\" data-depth=\"100\" data-speed=\"500\" data-shadow=\"no\" data-pagination=\"bullets\" style=\"--awb-column-spacing:0px;\"><div class=\"swiper-wrapper awb-image-carousel-wrapper fusion-flex-align-items-center\"><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"166\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-simplu-credit2.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"198\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-speedfinanciar.jpg\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"157\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-tbi-v2.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"198\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-unicredit-consumer-finance.jpg\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"152\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-unicredit.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"166\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-viva.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"152\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-alphabank.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"152\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-bcr-2023.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"300\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-banca-ro.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" srcset=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-banca-ro-200x41.png 200w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-banca-ro.png 300w\" sizes=\"(min-width: 2200px) 100vw, (min-width: 928px) 220px, (min-width: 856px) 275px, (min-width: 784px) 367px, (min-width: 712px) 550px, (min-width: 640px) 712px, \" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"152\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-brd.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"166\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-bt.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"61\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-ca.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"222\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-cec.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" srcset=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-cec-200x55.png 200w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-cec.png 222w\" sizes=\"(min-width: 2200px) 100vw, (min-width: 928px) 220px, (min-width: 856px) 275px, (min-width: 784px) 367px, (min-width: 712px) 550px, (min-width: 640px) 712px, \" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"166\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-claret.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"166\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-credex.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"222\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-credit-eu.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" srcset=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-credit-eu-200x55.png 200w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-credit-eu.png 222w\" sizes=\"(min-width: 2200px) 100vw, (min-width: 928px) 220px, (min-width: 856px) 275px, (min-width: 784px) 367px, (min-width: 712px) 550px, (min-width: 640px) 712px, \" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"222\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-creditprime.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" srcset=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-creditprime-200x55.png 200w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-creditprime.png 222w\" sizes=\"(min-width: 2200px) 100vw, (min-width: 928px) 220px, (min-width: 856px) 275px, (min-width: 784px) 367px, (min-width: 712px) 550px, (min-width: 640px) 712px, \" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"166\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-credius.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" 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550px, (min-width: 640px) 712px, \" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"222\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-ferratum-2.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" srcset=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-ferratum-2-200x55.png 200w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-ferratum-2.png 222w\" sizes=\"(min-width: 2200px) 100vw, (min-width: 928px) 220px, (min-width: 856px) 275px, (min-width: 784px) 367px, (min-width: 712px) 550px, (min-width: 640px) 712px, \" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"152\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-firstbank.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"222\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-garanti.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" srcset=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-garanti-200x55.png 200w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-garanti.png 222w\" sizes=\"(min-width: 2200px) 100vw, (min-width: 928px) 220px, (min-width: 856px) 275px, (min-width: 784px) 367px, (min-width: 712px) 550px, (min-width: 640px) 712px, \" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img 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size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"222\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-patria.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" srcset=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-patria-200x55.png 200w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-patria.png 222w\" sizes=\"(min-width: 2200px) 100vw, (min-width: 928px) 220px, (min-width: 856px) 275px, (min-width: 784px) 367px, (min-width: 712px) 550px, (min-width: 640px) 712px, \" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"222\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-raiffeisen.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" srcset=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-raiffeisen-200x55.png 200w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-raiffeisen.png 222w\" sizes=\"(min-width: 2200px) 100vw, (min-width: 928px) 220px, (min-width: 856px) 275px, (min-width: 784px) 367px, (min-width: 712px) 550px, (min-width: 640px) 712px, \" \/><\/div><\/div><\/div><\/div><div class=\"awb-swiper-button awb-swiper-button-prev\"><i class=\"awb-icon-angle-left\" aria-hidden=\"true\"><\/i><\/div><div class=\"awb-swiper-button awb-swiper-button-next\"><i class=\"awb-icon-angle-right\" aria-hidden=\"true\"><\/i><\/div><\/div><\/div><div style=\"text-align:center;\"><a class=\"fusion-button button-flat fusion-button-default-size button-default fusion-button-default button-1 fusion-button-default-span fusion-button-default-type\" 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