{"id":1633,"date":"2024-09-16T12:49:21","date_gmt":"2024-09-16T09:49:21","guid":{"rendered":"https:\/\/123credit.ro\/blog\/?p=1633"},"modified":"2024-11-04T12:15:47","modified_gmt":"2024-11-04T10:15:47","slug":"ce-verific-bncile-la-imobilele-aduse-in-garanie-pentru-creditele-ipotecare","status":"publish","type":"post","link":"https:\/\/123credit.ro\/blog\/ce-verific-bncile-la-imobilele-aduse-in-garanie-pentru-creditele-ipotecare\/","title":{"rendered":"Ce verifica bancile la imobilele aduse in garantie pentru creditele ipotecare"},"content":{"rendered":"Timpul estimat pentru citire: <\/span> 8<\/span> minute<\/span><\/span>

C\u00e2nd vine vorba de verificarea <\/span>actelor imobilului<\/b><\/a>, \u00een meseria noastr\u0103, \u00eent\u00e2lnim des \u00eentrebarea: <\/span><\/span>de ce vrea banca s\u0103 verifice toate actele dac\u0103 reiese clar din Cartea Funciar\u0103 c\u0103 sunt proprietar cu acte \u00een regul\u0103? <\/span><\/b><\/p>\n

De ce se cer toate actele imobilului?<\/h2>\n

Este important s\u0103 \u00een\u021belegem c\u0103 a fi proprietar sau a putea vinde un imobil nu este suficient pentru o banc\u0103 pentru a finan\u021ba un imobil. Pentru banc\u0103 mai este un aspect extrem de important: siguran\u021ba tranzac\u021biei.<\/b><\/p>\n

Prin siguran\u021ba tranzac\u021biei banca \u00ee\u0219i dore\u0219te ca imobilul ipotecat s\u0103 fie protejat de eventuale procese, anuarea tranzac\u021biei sau orice ar aduce atingere propriet\u0103\u021bii sau calit\u0103\u021bii de proprietar a clientului.<\/p>\n

Actul de proprietate sau posibilitatea \u00eenstr\u0103in\u0103rii nu \u00eenseamn\u0103 c\u0103 acel imobil este ferit de probleme. Cu alte cuvinte, doar pentru c\u0103 cineva poate cump\u0103ra un imobil, nu \u00eenseamn\u0103 c\u0103 statutul de proprietar nu este atacabil \u00een instan\u021b\u0103.<\/p>\n

Iat\u0103 un exemplu:<\/p>\n

S\u0103 spunem c\u0103 o persoan\u0103 a dob\u00e2ndit prin dona\u021bie un imobil. Dac\u0103 survine decesul donatorului, urma\u0219ii au posibilitatea de a ataca \u00een instan\u021b\u0103 actul de dona\u021bie \u00eentr-un termen de 3 ani. Dup\u0103 dona\u021bie, noul proprietar poate vinde imobilul, dar nu \u00eenseamn\u0103 c\u0103 imobilul nu poate deveni obiectul unui proces din partea urma\u0219ilor donatorului.<\/p>\n

Un alt exemplu:<\/p>\n

Cineva cump\u0103r\u0103 o proprietate dar din actele cadastrale reiese ulterior c\u0103 suprafa\u021ba din CF nu corespunde cu realitatea din teren, iar noul proprietar se treze\u0219te cu un proces din partea vecinilor pe acest motiv. Desigur, imobilul a putut fi cump\u0103rat dar faptul ca\u0103 poate fi cump\u0103rat nu \u00eel scute\u0219te de litigii ulterioare.<\/span><\/p>\n

Care sunt actele de baz\u0103 pe care le cere banca atunci c\u00e2nd verific\u0103 eligibilitatea unui imobil?<\/span><\/h2>\n

Exist\u0103 dou\u0103 linii prin care banca verific\u0103 imobilul: <\/span><\/p>\n

1) Prin departamentul juridic sau prin notarul care face opinia notarial\u0103<\/span><\/h3>\n

\u00cen acest caz se cere un set de baz\u0103 de acte pentru verificare. Acestea sunt:<\/span><\/p>\n

– Carte Funciar\u0103<\/b> mai recent\u0103 de 30 de zile, este important de \u0219tiut c\u0103 se verific\u0103 \u0219i dreptul de proprietate asupra terenului sau a unei cote de teren de sub imobil. \u00cen func\u021bie de ce men\u021biuni apar in Cartea Funciar\u0103, se pot cere documente suplimentare \u00een vederea verific\u0103rii situa\u021biei imobilului<\/p>\n

– Act de dob\u00e2ndire<\/b><\/p>\n

Exist\u0103 mai multe tipuri de a dob\u00e2ndi un imobil. Iat\u0103 c\u00e2teva tipuri de acte de dob\u00e2ndire:<\/p>\n

a) Cel mai \u00eent\u00e2lnit tip de dob\u00e2ndire este prin v\u00e2nzare-cump\u0103rare. O particularitate la care toate b\u0103ncile sunt atente este s\u0103 existe dovada c\u0103 imobilul a fost pl\u0103tit integral. Fie scrie acest lucru explicit \u00een contract, fie banca va cere dovada sau o declara\u021bie din partea fostului proprietar \u00een acest sens.<\/p>\n

b) Prin construire (\u0219i aici banca cere toat\u0103 documenta\u021bia necesar\u0103 construirii \u0219i intabul\u0103rii construc\u021biei)<\/p>\n

c) Prin mo\u0219tenire (actele necesare \u00een acest caz sunt certificatul de mo\u0219tenitor \u0219i actul de succesiune, dar acestea sunt acte translative \u0219i b\u0103ncile cer documentele de proprietate ale persoanei decedate)<\/p>\n

d) Prin dona\u021bie (banca va dori s\u0103 se asigure c\u0103 nu exist\u0103 un risc \u00een acest sens, deoarece actul poate fi atacat \u00een instan\u021b\u0103 \u00eentr-un termen de 3 ani de la decesul persoanei care a donat \u0219i va cere certificatul de deces, dac\u0103 donatorul a decedat \u0219i o declara\u021bie de renun\u021bare la acea mo\u0219tenire din partea mo\u0219tenitorilor dac\u0103 este cazul)<\/p>\n

e) Prin partaj (acesta este un caz mai simplu, doar c\u0103 banca va solicita sentin\u021ba definitiv\u0103)<\/p>\n

f) Act de schimb (este similar contractului de v\u00e2nzare-cump\u0103rare)<\/p>\n

g) Act de adjudecare (b\u0103ncile finan\u021beaz\u0103 \u0219i imobile dob\u00e2ndite sau \u00een curs de dob\u00e2ndire prin licita\u021bie)<\/p>\n

h) Act de retrocedare (\u00een func\u021bie de situa\u021bia prezentat\u0103 \u00een documenta\u021bie, b\u0103ncile accept\u0103 \u0219i astfel de tipuri de dob\u00e2ndire)<\/span>.<\/span><\/p>\n

– Schi\u021b\u0103\/ Releveu<\/b> – \u00een cazurile \u00een care aceasta nu exist\u0103, trebuie f\u0103cut\u0103 de c\u0103tre un topograf autorizat. \u00cen situa\u021bia \u00een care suprafa\u021ba din noua schi\u021b\u0103 nu corespunde cu cea din CF, este foarte probabil ca banca s\u0103 cear\u0103 modificarea suprafe\u021bei trecut\u0103 \u00een CF astfel \u00eenc\u00e2t s\u0103 existe concordan\u021b\u0103 \u00eentre cele dou\u0103 documente.<\/p>\n

– Certificat energetic<\/b> \u2013 pentru a putea vinde un imobil, conform legisla\u021biei \u00een vigoare acesta trebuie s\u0103 aib\u0103 un certificat energetic \u00een vigoare. Majoritatea b\u0103ncilor au dob\u00e2nzi preferen\u021biale pentru imobilele certificate cu clas\u0103 energetic\u0103 A, sau chiar B, \u00een unele cazuri.<\/p>\n

 <\/p>\n

2) Prin raportul de evaluare<\/span><\/h3>\n

Pe l\u00e2ng\u0103 inspec\u021bia efectiv\u0103 a imobilului, acesta verific\u0103 \u0219i documenta\u021bia prezentat\u0103.<\/p>\n

Pot exista situa\u021bii \u00een care la fa\u021ba locului se constat\u0103 c\u0103 mai exist\u0103 un imobil sau o anex\u0103 pe proprietate pentru care nu exist\u0103 documente.<\/p>\n

Sau, imobilul nu corespunde finan\u021b\u0103rii, av\u00e2nd probleme de structur\u0103.<\/p>\n

De asemenea, imobilul poate s\u0103 nu fie finalizat \u00een propor\u021bie de 100% iar evaluatorul estimeaz\u0103 ce sum\u0103 ar fi necesar\u0103 pentru finalizare. Exist\u0103 b\u0103nci care accept\u0103 garan\u021bia necondi\u021bionat dar \u0219i care cer clientului s\u0103 fac\u0103 dovada c\u0103 dispune de sumele necesare finaliz\u0103rii imobilului \u0219i impune un termen ca acele lucr\u0103ri s\u0103 fie efectuate.<\/span><\/p>\n

Dup\u0103 criteriile de eligibilitate ale clientului din punct de vedere a situa\u021biei \u00een biroul de credit \u0219i a venitului, eligibilitatea imobilului este cel mai important factor de care se \u021bine cont. Verific\u0103rile f\u0103cute de banc\u0103 sunt \u0219i \u00een beneficiul clientului deoarece banca este un flitru care \u00eel protejeaz\u0103 \u0219i pe acesta de eventuale nepl\u0103ceri ulterioare efectu\u0103rii tranzac\u021biei.<\/p>\n<\/div><\/div><\/div><\/div><\/div>

<\/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

Verificarea imobilului adus \u00een garan\u021bie este un proces important pentru creditele ipotecare. \u00cen acest proces se verific\u0103 to\u021bi parametrii s\u0103i, de la performan\u021ba energetic\u0103, la calitatea construc\u021biei, vandabilitatea acesteia pe pia\u021b\u0103 dar \u0219i corectitudinea actelor care stau la baza descrierii bunului care se va lua \u00een garan\u021bie.<\/p>\n

Brokerii recomand\u0103 clien\u021bilor s\u0103 verifice sau s\u0103 cear\u0103 ajutorul \u00een verificarea documenta\u021biei imobilului \u00eenainte de a da un avans pentru acesta sau cel pu\u021bin s\u0103 aib\u0103 o clauz\u0103 \u00een antecontract care s\u0103 \u00eei protejeze \u00een cazul \u00een care actele imobilului nu corespund cerin\u021belor b\u0103ncii.<\/p>\n<\/div><\/div><\/div><\/div><\/div>

\u00centreb\u0103ri frecvente<\/b><\/h2>\n
    \n
  1. Pot cump\u0103ra prin credit ipotecar un imobil care este la executare?<\/b><\/li>\n<\/ol>\n
      Da, este posibil\u0103 o astfel de tranzac\u021bie dar necesit\u0103 o mai str\u00e2ns\u0103 colaborare \u00eentre client \u0219i banc\u0103.<\/ol>\n
        \n
      1. Sunt acceptate imobile cu alt\u0103 destina\u021bie dec\u00e2t cea de locuin\u021b\u0103 pentru creditele ipotecare?<\/b><\/li>\n<\/ol>\n
          Da, exist\u0103 un num\u0103r limitat de b\u0103nci care accept\u0103 s\u0103 finan\u021beze achizi\u021bia unui imobil care are o alt\u0103 destina\u021bie dec\u00e2t cea de locuin\u021b\u0103 sau care accept\u0103 ca destina\u021bia imobilului s\u0103 se schimbe dup\u0103 acordarea creditului.<\/ol>\n
            \n
          1. Sunt acceptate imobile din chirpici?<\/b><\/li>\n<\/ol>\n

            Exist\u0103 foarte pu\u021bine situa\u021bii \u00een care astfel de imobile sunt acceptate \u00een garan\u021bie. De exemplu, este posibil sa fie folosite materiale mixte iar chirpiciul sa fie folosit \u00eentr-un procent mai mic. \u00cen situa\u021bii \u00een care exist\u0103 un document din partea unui inginer \u00een construc\u021bii care s\u0103 certifice c\u0103 structura imobilului corespunde standardelor, exist\u0103 posibilitatea acord\u0103rii unei derog\u0103ri, dar astfel de cazuri sunt rare.<\/p>\n<\/div><\/div><\/div><\/div><\/div>

            Hai pe 123credit.ro \u0219i ia-\u021bi creditul potrivit pentru tine.<\/h5><\/div>
            Vreau credit!<\/span><\/a><\/div><\/div><\/div><\/div><\/div><\/p>\n","protected":false},"excerpt":{"rendered":"

            Timpul estimat pentru citire: <\/span> 8<\/span> minute<\/span><\/span><\/p>\n","protected":false},"author":14,"featured_media":1634,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1,54,223,53],"tags":[44],"class_list":["post-1633","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","tag-credit-cu-garantie-ipotecara"],"yoast_head":"\nCe verifica bancile la imobilele aduse in garantie pentru creditele ipotecare - 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\/ce-verific-bncile-la-imobilele-aduse-in-garanie-pentru-creditele-ipotecare\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Ce verifica bancile la imobilele aduse in garantie pentru creditele ipotecare - 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Scopul meu este s\u0103 ajut c\u00e2t mai mul\u021bi oameni s\u0103 se mute \u00een c\u0103minul dorit, s\u0103-\u0219i imbun\u0103t\u0103\u021beasc\u0103 via\u021ba \u0219i s\u0103 aib\u0103 pe cineva cu care s\u0103 se consulte atunci c\u00e2nd au nevoie de informa\u021bii sau primesc informatii contradictorii. Urm\u0103resc nu doar cea mai bun\u0103 ofert\u0103 pentru client ci \u0219i u\u0219urarea interac\u021biunii clientului cu banca \u0219i nu numai. 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