{"id":1616,"date":"2024-09-12T17:00:00","date_gmt":"2024-09-12T14:00:00","guid":{"rendered":"https:\/\/123credit.ro\/blog\/?p=1616"},"modified":"2024-11-04T12:16:01","modified_gmt":"2024-11-04T10:16:01","slug":"in-ce-moneda-se-face-tranzactia-daca-creditul-este-in-lei-iar-pretul-in-euro","status":"publish","type":"post","link":"https:\/\/123credit.ro\/blog\/in-ce-moneda-se-face-tranzactia-daca-creditul-este-in-lei-iar-pretul-in-euro\/","title":{"rendered":"\u00cen ce moned\u0103 se face tranzac\u021bia dac\u0103 creditul este \u00een lei iar pre\u021bul \u00een euro"},"content":{"rendered":"Timpul estimat pentru citire: <\/span> 7<\/span> minute<\/span><\/span>

\u00cen majoritatea cazurilor \u00een care o tranzac\u021bie se face prin credit ipotecar, p\u0103r\u021bile sunt nehot\u0103r\u00e2te \u00een privin\u021ba monedei in care va fi tranzac\u021bia, a cursului de schimb la care se face \u0219i a sumelor care vor fi trecute \u00een contract.<\/span><\/h2>\n

\u00cen articolul care urmeaz\u0103, v\u0103 vom prezenta care sunt variantele cele mai \u00eent\u00e2lnite.<\/p>\n

Este foarte important de \u0219tiut c\u0103 p\u0103r\u021bile sunt cele care hot\u0103r\u0103sc de comun acord termenii tranzac\u021biei.<\/p>\n

Iat\u0103 care sunt variantele:<\/span><\/h2>\n

1. At\u00e2t pre\u021bul imobilului c\u00e2t \u0219i creditul sunt \u00een lei<\/span><\/h3>\n

Una dintre variante este aceea de a exclude alt\u0103 moned\u0103 din tranzac\u021bie. Astfel c\u0103, pentru a nu exista ne\u00een\u021belegeri, neconcordan\u021be sau confuzie p\u0103r\u021bile convin sa se treac\u0103 \u0219i pre\u021bul \u00een lei, la fel ca \u0219i creditul. Prezentarea pre\u021burilor in euro atunci c\u00e2nd imobilele sunt scoase la v\u00e2nzare este o reminiscen\u021b\u0103 a ne\u00eencrederii oamenilor \u00een moneda na\u021bional\u0103 atunci c\u00e2nd vine vorba de tranzac\u021bii cu sume mari. La fel cum exprimarea pre\u021burilor \u00een \u201dmilioane\u201d este o reminiscen\u021b\u0103 a erei \u00een care orice pre\u021b era exprimat \u00een milioane.<\/p>\n

Avantajul este c\u0103 lucrurile se simplific\u0103 mult in privin\u021ba calculelor.<\/p>\n

2. Creditul este \u00een lei, dar pre\u021bul imobilului este \u00een euro<\/span><\/h3>\n

\u00cen aceast\u0103 situa\u021bie se vor folosi at\u00e2t lei c\u00e2t \u0219i euro \u00een exprimarea sumelor.<\/p>\n

\u00cen orice contract sunt exprimate trei sume: pre\u021bul, avansul \u0219i creditul. Nu exist\u0103 contracte de v\u00e2nzare-cump\u0103rare cu credit bancar \u00een care s\u0103 nu apar\u0103 lei pentru simplul fapt c\u0103 exist\u0103 un credit \u00een aceast\u0103 moned\u0103. Excep\u021bie fac rarele cazuri \u00een care creditul este \u00een euro.<\/p>\n

Cel mai important factor de care se \u021bine cont atunci c\u00e2nd vorbim de exprimarea sumelor \u00een ambele monede este cursul de schimb valutar:<\/p>\n

a) Cursul de schimb valutar r\u0103m\u00e2ne cel folosit \u00een antecontact<\/h3>\n

\u00cen acest caz p\u0103r\u021bile \u0219tiu \u0219i accept\u0103 de la \u00eenceput c\u0103 vor avea un curs de schimb prestabilit cu mult timp \u00eenainte. Cu toate acestea, exist\u0103 situa\u021bii \u00een care se convine acest lucru dar pe parcurs, cursul de schimb sufer\u0103 modific\u0103ri semnificative. Fie \u00eentr-un timp scurt, fie \u00eentr-un timp mai \u00eendelungat.<\/p>\n

b) Cursul de schimb este unul c\u00e2t mai apropiat de un curs de cump\u0103rare<\/h3>\n

Deci mai mare dec\u00e2t cursul BNR astfel \u00eenc\u00e2t v\u00e2nz\u0103torul s\u0103 \u00ee\u0219i primeasc\u0103 o sum\u0103 c\u00e2t mai apropiat\u0103 de valoarea \u00een euro a imobilului. S\u0103 zicem c\u0103 avem un curs BNR de 4,971 lei\/ euro. \u00cen contractul de v\u00e2nzare-cump\u0103rare se poate scrie un curs de 5 lei\/euro.<\/p>\n

c) Cursul de schimb este cursul BNR \u00een ziua cump\u0103r\u0103rii<\/h3>\n

Este cea mai utilizat\u0103 form\u0103 de exprimare a sumelor \u00een contractele de v\u00e2nzare-cump\u0103rare.<\/p>\n

Cu toate acestea, suma creditului este, de cele mai multe ori, virat\u0103 c\u0103tre v\u00e2nz\u0103tori \u00eentr-o zi ulterioar\u0103 tranzac\u021biei. De obicei, dup\u0103 ce se scoate de la Oficiul de Cadastru CF-ul cu ipoteca b\u0103ncii \u00eenscris\u0103, ceea ce dureaz\u0103 2-3 zile. \u00cen contractele de v\u00e2nzare-cump\u0103rare este prev\u0103zut\u0103 o perioad\u0103 de c\u00e2teva zile \u00een care banca este obligat\u0103 s\u0103 vireze creditul \u00een contul v\u00e2nz\u0103torului.<\/span><\/p>\n

IMPORTANT!<\/span><\/h2>\n

Exprimarea sumelor \u0219i \u00een euro (nu doar \u00een lei) nu \u00eenseamn\u0103 c\u0103 \u0219i pre\u021bul va fi achitat \u00een euro.<\/p>\n

Trebuie distinse dou\u0103 situa\u021bii care sunt legate de obliga\u021bia cump\u0103ratorului: Exist\u0103 situa\u021bii \u00een care se scrie \u0219i pre\u021bul \u00een euro de\u0219i toat\u0103 tranzac\u021bia are loc \u00een lei.<\/p>\n

De re\u021binut c\u0103 suma creditului r\u0103m\u00e2ne la fel indiferent de cursul de schimb trecut \u00een contract. \u0218i atunci dac\u0103 pre\u021bul difer\u0103 \u00een func\u021bie de cursul de schimb care se ia \u00een calcul, ce anume se schimb\u0103?<\/p>\n

R\u0103spuns: Avansul pe care \u00eel d\u0103 clientul, dac\u0103 \u00eel d\u0103 in lei.<\/p>\n<\/div><\/div><\/div><\/div><\/div>

<\/a><\/span><\/div><\/div><\/div>

Ai nevoie de un credit ipotecar?<\/h4><\/div>

Specialistul in creditare este persoana care iti expune toate variantele de credit potrivite pentru profilul tau si se ocupa de intregul tau dosar si te poate ajuta cu accesarea oricarui tip de credit si este persoana de legatura dintre tine si banca.<\/p>\n<\/div>

VEZI OFERTELE PENTRU CREDIT IPOTECAR<\/span><\/a><\/div><\/div><\/div><\/div><\/div>

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

Nu exist\u0103 o metod\u0103 universal corect\u0103 pentru tranzac\u021biile imobiliare \u00een care creditul este \u00een lei, iar pre\u021bul imobilului este \u00een euro. Alegerea cursului de schimb \u0219i a monedei pentru plata final\u0103 trebuie s\u0103 fie convenit\u0103 de comun acord de ambele p\u0103r\u021bi, \u00een func\u021bie de preferin\u021bele \u0219i nevoile lor. Fie c\u0103 se opteaz\u0103 pentru cursul de la antecontract, cursul BNR din ziua tranzac\u021biei sau un curs apropiat de cel de cump\u0103rare, este important ca p\u0103r\u021bile s\u0103 fie informate \u0219i s\u0103 \u00ee\u0219i protejeze interesele prin negociere \u0219i claritate contractual\u0103.<\/p>\n<\/div><\/div><\/div><\/div><\/div>

\u00centreb\u0103ri frecvente<\/b><\/h2>\n
    \n
  1. Exist\u0103 posibilitatea ca sumele s\u0103 fie achitate \u00een euro chiar dac\u0103 creditul este \u00een lei?<\/b><\/li>\n<\/ol>\n

    Da, banca creditoare poate face conversia \u0219i poate vira suma \u00een euro. <\/span><\/p>\n

      \n
    1. Cum este cel mai bine s\u0103 se procedeze?<\/b><\/li>\n<\/ol>\n

      Varianta cea mai bun\u0103 este cea convenit\u0103 de ambele p\u0103r\u021bi. Dac\u0103 \u00een urma negocierilor rezult\u0103 c\u0103 se prefer\u0103 un curs sau o moned\u0103, \u0219i ambele p\u0103r\u021bi sunt de acord, atunci contractul de v\u00e2nzare-cump\u0103rare se va face conform specifica\u021biilor p\u0103r\u021bilor. <\/span><\/p>\n

        \n
      1. Dac\u0103 anumi\u021bi termeni sunt specifica\u021bi \u00een antecontact, ace\u0219tia se mai pot schimba?<\/b><\/li>\n<\/ol>\n

        Da, dac\u0103 \u00een antecontact este specificat un pre\u021b, un curs, un termen, \u0219.a.m.d, aceste detalii se pot schimba fie prin act adi\u021bional, fie la contractul final.<\/span><\/p>\n<\/div><\/div><\/div><\/div><\/div>

        Alege din cele<\/span> 150+<\/span> de oferte de la <\/span>20+<\/span> institu\u021bii
        \nfinanciare partenere:<\/span><\/p><\/h4><\/div>

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        Aplic\u0103 pentru un credit \u00een mai pu\u021bin de 5 minute<\/span><\/a><\/div><\/div><\/div><\/div><\/div><\/p>\n","protected":false},"excerpt":{"rendered":"

        Timpul estimat pentru citire: <\/span> 7<\/span> minute<\/span><\/span><\/p>\n","protected":false},"author":14,"featured_media":1621,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1,54,224,223,53],"tags":[],"class_list":["post-1616","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-cum-alegi-credit-ipotecar","category-credit-ipotecar","category-credite-de-nevoi-personale","category-credite-ipotecare","category-bine-de-stiut"],"yoast_head":"\n\u00cen ce moned\u0103 se face tranzac\u021bia dac\u0103 creditul este \u00een lei iar pre\u021bul \u00een euro - Blogul 123Credit<\/title>\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\/in-ce-moneda-se-face-tranzactia-daca-creditul-este-in-lei-iar-pretul-in-euro\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u00cen ce moned\u0103 se face tranzac\u021bia dac\u0103 creditul este \u00een lei iar pre\u021bul \u00een euro - 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