{"id":1742,"date":"2024-09-26T16:31:35","date_gmt":"2024-09-26T13:31:35","guid":{"rendered":"https:\/\/123credit.ro\/blog\/?p=1742"},"modified":"2024-11-04T12:14:57","modified_gmt":"2024-11-04T10:14:57","slug":"conditii-acordare-credit-ipotecar-la-ce-sunt-atente-bancile","status":"publish","type":"post","link":"https:\/\/123credit.ro\/blog\/conditii-acordare-credit-ipotecar-la-ce-sunt-atente-bancile\/","title":{"rendered":"Condi\u021bii acordare credit ipotecar \u2013 la ce sunt atente b\u0103ncile"},"content":{"rendered":"Timpul estimat pentru citire: <\/span> 7<\/span> minute<\/span><\/span>

Condi\u021bii de acordare a creditului ipotecar – la ce sunt atente b\u0103ncile<\/span><\/h2>\n

Ob\u021binerea unui credit ipotecar poate p\u0103rea un proces complex, dar b\u0103ncile urmeaz\u0103 anumite criterii clare atunci c\u00e2nd verific\u0103 eligibilitatea clien\u021bilor. \u00cen acest articol, vei descoperi ce tipuri de venituri sunt acceptate \u0219i care sunt al\u021bi factori importan\u021bi care pot influen\u021ba decizia b\u0103ncilor.<\/p>\n

Acest articol \u00ee\u021bi explic\u0103 ce \u00eenseamn\u0103 s\u0103 ai un codebitor \u0219i cum influen\u021beaz\u0103 acesta procesul de creditare.<\/span><\/p>\n

Venituri eligibile<\/a> pentru un credit ipotecar<\/span><\/h2>\n

Institu\u021biile financiare accept\u0103 diverse surse de venit atunci c\u00e2nd analizeaz\u0103 dosarul unui credit ipotecar. Iat\u0103 principalele tipuri de venituri \u0219i ponderea lor \u00een calculul eligibilit\u0103\u021bii:<\/p>\n

1. Veniturile din salarii<\/h3>\n

Acestea sunt cele mai des acceptate venituri, cu o pondere de p\u00e2n\u0103 la 100%. Bonusurile \u0219i tichetele de mas\u0103 pot fi luate \u00een calcul, dar exist\u0103 b\u0103nci care le exclud.<\/span><\/p>\n

2. Indemniza\u021bia de cre\u0219tere a copilului<\/h3>\n

Acest venit este luat \u00een considerare de majoritatea b\u0103ncilor, dar unele institu\u021bii \u00eel accept\u0103 doar pentru codebitori.<\/p>\n

3. Veniturile din pensii<\/h3>\n

Aceste venituri sunt luate \u00een considerare \u00een propor\u021bie de 100% de c\u0103tre b\u0103nci, o particularitate la acest tip de venit fiind aceea c\u0103 perioada de rambursare a creditului poate merge p\u00e2n\u0103 la v\u0103rsta de 70 de ani, in condi\u021biile \u00een care se va lua \u00een calcul 100% din venit. B\u0103ncile nu iau \u00een calcul ca venit eligibil pensii de boal\u0103, excep\u021bie f\u00e2c\u00e2nd IFN-urile \u00een acest caz.<\/span><\/p>\n

4.. Veniturile din activit\u0103\u021bi independente<\/h3>\n

B\u0103ncile prefer\u0103 venituri din profesii liberale, care necesit\u0103 preg\u0103tire superioar\u0103, cum ar fi medici, avoca\u021bi, notari, topografi etc. Ponderea luat\u0103 \u00een calcul fiind \u00eentre 50% \u0219i 90%.<\/span><\/p>\n

5. Venituri din chirii<\/h3>\n

Acestea trebuie s\u0103 aib\u0103 o vechime minim\u0103 de 6 luni \u0219i sunt luate \u00een calcul \u00een propor\u021bie de 50-100%.<\/p>\n

6. Venituri din str\u0103in\u0103tate<\/h3>\n

Acceptate \u00een propor\u021bie de 100%, dar doar de c\u0103tre b\u0103ncile care accept\u0103 acest tip de venit, cu condi\u021bia unei vechimi de minim 6 luni la actualul loc de munc\u0103 \u0219i doi ani de munc\u0103 \u00een \u021bara respectiv\u0103.
\n<\/span><\/p>\n

7. Venituri din diurn\u0103<\/h3>\n

Acceptate cu o pondere \u00eentre 50-90%, cel mai frecvent \u00eent\u00e2lnite la conduc\u0103torii auto.
\n<\/span><\/p>\n

8. Venituri din dividende<\/h3>\n

Cu mici excep\u021bii, ponderea luat\u0103 \u00een calcul este de 50%-60% din valoarea lor.
\n<\/span><\/p>\n

Acestea sunt principalele tipuri de venituri acceptate pentru creditele ipotecare, \u00eens\u0103 lista nu se opre\u0219te aici. Se mai pot include venituri din drepturi de autor, venituri ale navigatorilor sau ale persoanelor alese \u00een func\u021bii publice cu mandat de 4 ani, al\u0103turi de alte surse.<\/p>\n

C\u00e2nd vine vorba despre condi\u021biile de acordare a unui credit, un factor surprinz\u0103tor, dar important, este angajatorul. <\/b><\/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>

La ce se uit\u0103 b\u0103ncile atunci c\u00e2nd vorbim despre angajatorul persoanei care vrea s\u0103 ia un credit ipotecar<\/span><\/h2>\n

a) Restructur\u0103ri sau disponibiliz\u0103ri<\/h3>\n

B\u0103ncile evit\u0103 s\u0103 acorde credite dac\u0103 angajatorul este \u00een proces de restructurare.<\/p>\n

b) Insolven\u021b\u0103 sau faliment<\/h3>\n

Dac\u0103 angajatorul este \u00een prag de faliment, este posibil ca banca s\u0103 refuze creditul.<\/p>\n

c) Domeniul de activitate<\/h3>\n

Anumite industrii, cum ar fi jocurile de noroc, pot fi refuzate de b\u0103nci.<\/p>\n

Situa\u021bia \u00een Biroul de Credit<\/span><\/h2>\n

Atunci c\u00e2nd analiz\u0103m condi\u021biile de acordare a unui credit ipotecar, situa\u021bia din Biroul de Credit<\/a><\/span> joac\u0103 un rol esen\u021bial. Spre deosebire de creditele de nevoi personale, b\u0103ncile nu acord\u0103 aceea\u0219i importan\u021b\u0103 scorului FICO<\/a> \u00een cazul creditelor ipotecare, facilit\u00e2nd astfel accesul clien\u021bilor la acest tip de \u00eemprumut.<\/span><\/p>\n

Totu\u0219i, b\u0103ncile sunt foarte atente la comportamentul de plat\u0103 al clientului. Ele verific\u0103 dac\u0103 au existat \u00eent\u00e2rzieri sau am\u00e2n\u0103ri la plata ratelor, dac\u0103 gradul de \u00eendatorare permite accesarea creditului dorit sau dac\u0103 refinan\u021barea creditelor existente ar putea reduce ratele lunare. De asemenea, b\u0103ncile iau \u00een considerare \u0219i creditele la care clientul este codebitor.<\/p>\n

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

Acordarea unui credit ipotecar depinde de o serie de factori, de la veniturile eligibile \u0219i situa\u021bia din Biroul de Credit, p\u00e2n\u0103 la rela\u021bia anterioar\u0103 cu banca \u0219i angajatorul clientului. \u00cen\u021belegerea acestor criterii este esen\u021bial\u0103 pentru a cre\u0219te \u0219ansele de aprobare a creditului \u0219i pentru a face alegerile financiare potrivite. Colaborarea cu un specialist \u00een creditare<\/span><\/a> te poate ajuta s\u0103 navighezi mai u\u0219or prin acest proces complex \u0219i s\u0103 accesezi creditul dorit.<\/p>\n<\/div><\/div><\/div><\/div><\/div>

\u00centreb\u0103ri frecvente<\/b><\/h2>\n
    \n
  1. Ce venituri sunt cel mai frecvent acceptate de b\u0103nci?<\/b><\/li>\n<\/ol>\n

    Veniturile din salarii \u0219i pensii sunt cele mai frecvent acceptate, dar b\u0103ncile iau \u00een considerare \u0219i alte tipuri de venituri, cum ar fi chirii, diurne sau venituri din activit\u0103\u021bi independente.<\/span><\/p>\n

      \n
    1. Pot ob\u021bine un credit ipotecar dac\u0103 angajatorul meu este \u00een dificultate financiar\u0103?<\/b><\/li>\n<\/ol>\n

      Dac\u0103 angajatorul t\u0103u trece prin restructur\u0103ri sau are dificult\u0103\u021bi financiare, banca poate refuza acordarea creditului. Este important s\u0103 verifici situa\u021bia financiar\u0103 a angajatorului \u00eenainte de a aplica.<\/span><\/p>\n

        \n
      1. Ce pot face pentru a m\u0103ri suma creditului pe care \u00eel pot ob\u021bine?<\/b><\/li>\n<\/ol>\n

        O solu\u021bie poate fi aducerea unui codebitor <\/a><\/span>eligibil. De asemenea, aplicarea la \u00eenceputul trimestrului poate fi avantajoas\u0103, deoarece b\u0103ncile pot accepta un grad de \u00eendatorare mai mare.<\/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":1746,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1,54,223,53],"tags":[],"class_list":["post-1742","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":"\nCondi\u021bii acordare credit ipotecar \u2013 la ce sunt atente b\u0103ncile - Blogul 123Credit<\/title>\n<meta name=\"description\" content=\"Afl\u0103 care sunt criteriile principale pe care le analizeaz\u0103 b\u0103ncile pentru acordarea unui credit ipotecar. 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