{"id":1784,"date":"2024-10-03T16:31:42","date_gmt":"2024-10-03T13:31:42","guid":{"rendered":"https:\/\/123credit.ro\/blog\/?p=1784"},"modified":"2024-11-04T12:13:44","modified_gmt":"2024-11-04T10:13:44","slug":"varsta-maxima-pentru-un-credit-ipotecar-in-funcie-de-banc","status":"publish","type":"post","link":"https:\/\/123credit.ro\/blog\/varsta-maxima-pentru-un-credit-ipotecar-in-funcie-de-banc\/","title":{"rendered":"V\u00e2rsta maxim\u0103 pentru un credit ipotecar in func\u021bie de banc\u0103"},"content":{"rendered":"Timpul estimat pentru citire: <\/span> 8<\/span> minute<\/span><\/span>

Foarte mul\u021bi clien\u021bi descoper\u0103 cu surprindere atunci c\u00e2nd merg la banc\u0103, c\u0103 nu se mai \u00eencadreaz\u0103 la perioada maxim\u0103 a unui credit, care, \u00een cele mai multe cazuri, e de 30 de ani. Cu pu\u021bine excep\u021bii \u00een care se merge pana la 35 de ani ca durat\u0103.<\/p>\n

\u00cen acest articol vom explora at\u00e2t v\u00e2rsta maxim\u0103 p\u00e2n\u0103 la care se poate \u00eentinde durata unui credit ipotecar c\u00e2t \u0219i durata maxim\u0103 a acestuia.<\/span><\/p>\n

De la ce v\u00e2rst\u0103 pot lua un credit ipotecar?<\/span><\/h2>\n

\u00cen normele majorit\u0103\u021bii b\u0103ncilor este specificat c\u0103 v\u00e2rsta minim\u0103 de la care cineva poate fi solicitant \u00eentr-un contract de credit este de 18 ani. Cu toate acestea, exist\u0103 foarte pu\u021bini solicitan\u021bi de credit ipotecar la aceast\u0103 v\u00e2rst\u0103.<\/p>\n

Aici sunt c\u00e2teva explica\u021bii:<\/p>\n

a) Planurile pe termen scurt \u0219i mediu<\/h3>\n

Un credit ipotecar presupune un salt important \u00een via\u021b\u0103, pentru majoritatea oamenilor este crea mai important\u0103 investi\u021bie \u00een via\u021b\u0103 \u0219i acest lucru presupune o respnsabilitate la care cineva la aceast\u0103 v\u00e2rst\u0103 nu este dispus s\u0103 se angajeze. Aceasta fiind v\u00e2rsta la care cei mai mul\u021bi \u00eencearc\u0103 s\u0103 exploreze, iau mult mai mult \u00een considerare s\u0103 se mute \u00een alt ora\u0219 sau chiar alt\u0103 \u021bar\u0103.<\/p>\n

b) Lipsa vechimii \u00een munc\u0103<\/h3>\n

A\u0219a cum \u0219tim, pentru a contracta un credit ipotecar, trebuie s\u0103 avem o vechime de minim 3 luni la locul actual de munc\u0103 (cu pu\u021bine excep\u021bii) iar majoritatea b\u0103ncilor cer o vechime de minim 1 an \u00een c\u00e2mpul muncii. Majoritatea tinerilor sunt la aceast\u0103 v\u00e2rst\u0103 \u00eenc\u0103 \u00eentr-o form\u0103 de \u00eenv\u0103\u021b\u0103m\u00e2nt<\/p>\n

c) Lipsa avansului<\/h3>\n

Majoritatea tinerilor nu dispun de avansul necesar unui credit ipotecar, chiar dac\u0103 vorbim de un credit de tipul Noua Casa, la care avansul poate fi de 5%.<\/p>\n

d) Lipsa venitului<\/h3>\n

Pentru cineva care abia a intrat \u00een c\u00e2mpul muncii este foarte greu s\u0103 contracteze un credit ipotecar pentru c\u0103, neav\u00e2nd experien\u021ba necesar\u0103, nu pot avea venituri foarte mari.<\/p>\n

Exist\u0103 b\u0103nci care dau credite ipotecare abia dup\u0103 \u00eemplinirea v\u00e2rstei de 24 de ani. Cum este cazul OTP Bank. Pe l\u00e2ng\u0103 motivele men\u021bionate anterior b\u0103ncile iau \u00een considerare \u0219i istoricul mediu de plat\u0103 pe care are anumite categorii de v\u00e2rst\u0103. Tinerii av\u00e2nd un istoric de plat\u0103 care, \u00een medie, este mai slab dec\u00e2t alte categorii de v\u00e2rst\u0103. Pe scurt, au mai multe \u00eent\u00e2rz\u00e2ieri.<\/p>\n

Pentru tinerii care nu se \u00eencadreaz\u0103 la sumele dorite, o solu\u021bie ar fi aducerea unui codebitor<\/a>. De regul\u0103 codebitorii sunt p\u0103rin\u021bii.<\/p>\n

P\u00e2n\u0103 la ce v\u00e2rst\u0103 am voie s\u0103 iau un credit ipotecar?<\/span><\/h2>\n

Pentru majoritatea dintre noi, v\u00e2rsta de la care<\/b> se poate lua un credit ipotecar nu mai constituie o problem\u0103. Ce ne intereseaz\u0103 este v\u00e2rsta maxim\u0103<\/b> p\u00e2n\u0103 la care se poate contracta un credit ipotecar. \u0218i aici lucrurile difer\u0103 de la banc\u0103, la banc\u0103. Unele b\u0103ncii fiind foarte creative \u00een acest sens.<\/p>\n

Putem vedea \u00een reclame c\u0103 majoritatea b\u0103ncilor acord\u0103 credite pe 30 de ani, unele credite chiar poart\u0103 denumirea de \u201dcredit pe 30 de ani\u201d.<\/p>\n

Dar lucrurile devin mai interesante odat\u0103 ce explor\u0103m ofertele diferitelor b\u0103nci.<\/p>\n

1) Implinirea v\u00e2rstei de pensionare<\/h3>\n

La orice banc\u0103 am aplica pentru un credit ipotecar, vom vedea c\u0103 v\u00e2rsta p\u00e2n\u0103 la care se poate \u00eentinde creditul este 65 de ani \u00een cazul b\u0103rba\u021bilor, respectiv 63 de ani \u00een cazul femeilor. In cazul \u00een care un cuplu aplic\u0103 pentru un credit ipotecar, banca va \u021bine cont de perioada cea mai mic\u0103 pe care se poate \u00eentinde un credit ipotecar. De exemplu, dac\u0103 ambii so\u021bi urmeaz\u0103 s\u0103 \u00eemplineasc\u0103 v\u00e2rsta de 40 de ani, partenerul va putea aplica pentru o durat\u0103 a creditului de 25 de ani, iar partenera pe o durat\u0103 de 23 de ani. \u00cen acest caz, banca va \u021bine cont de o durat\u0103 de 23 de ani.<\/p>\n

2) Durata maxim\u0103 a creditului<\/h3>\n

S\u0103 presupunem c\u0103 avem un client care a \u00eemplinit v\u00e2rsta de 25 de ani.<\/p>\n

Acest lucru nu inseamn\u0103 c\u0103 poate aplica pentru un credit ipotecar pe 40 de ani, chiar dac\u0103 v\u00e2rsta i-ar permite acest lucru \u021bin\u0103nd cont de v\u00e2rsta de pensionare de 60 ani. Acest lucru se datoreaz\u0103 faptului c\u0103, cel pu\u021bin \u00een \u021bara noastr\u0103, creditele ipotecare au o durat\u0103 maxim\u0103 de 30 de ani. In sistemul bancar exist\u0103, totu\u0219i, b\u0103nci care acord\u0103 credite pe 35 de ani.<\/p>\n

3) V\u00e2rsta maxim\u0103 posibil\u0103 pentru un credit ipotecar<\/h3>\n

Aceasta difer\u0103 de v\u00e2rsta de pensionare. Marea majoritate a creditelor merg p\u00e2n\u0103 la v\u00e2rsta de pensionare pentru c\u0103 aceasta este v\u00e2rsta p\u00e2n\u0103 la care se \u021bine cont de \u00eentreg venitul. V\u00e2rsta maxim\u0103 p\u00e2n\u0103 la care se poate merge cu un credit ipotecar este 70 de ani, dar \u00een situa\u021biile \u00een care se trece de v\u00e2rsta de 65 de ani \u00een cazul b\u0103rba\u021bilor, respectiv 63 de ani \u00een r\u00e2ndul femeilor, banca poate lua \u00een considerare doar jum\u0103tate din venit, iar avantajul de a lua creditul pe o perioad\u0103 mai mare de timp se transform\u0103 \u00eentr-un dezavantaj \u00een cazul \u00een care clientul dore\u0219te suma maxim\u0103.<\/p>\n

Ce excep\u021bii exist\u0103 la aceste reguli?<\/h2>\n

Probabil acesta este cel mai interesant capitol pe acest subiect. Pentru c\u0103 exist\u0103 \u0219i excep\u021bii.<\/span><\/p>\n

a) Extinderea limitei creditului p\u00e2n\u0103 la v\u00e2rsta de 75 de ani<\/h3>\n

De exemplu, Banca Transilvania acord\u0103 credite pe 30 de ani, dar p\u0103n\u0103 la maxim v\u00e2rsta de 75 de ani cu condi\u021bia ca modul de rambursare s\u0103 fie cu rate descresc\u0103toare. Un astfel de credit poate fi avantajos \u00een situa\u021bia \u00een care se dore\u0219te a se pl\u0103ti o dob\u00e2nd\u0103 total\u0103 mai mic\u0103 pentru credit dar s\u0103 se \u00eentind\u0103, totu\u0219i, pe o perioad\u0103 mai mare pentru a se m\u0103ri suma, sau cel pu\u021bin pentru a nu fi rata lunar\u0103 prea mare.<\/span><\/p>\n

b) Creditele pe 35 de ani<\/h3>\n

Pu\u021bine b\u0103nci acord\u0103 un credit iptoecar pe aceast\u0103 perioad\u0103. Un motiv ar fi acela c\u0103 acei 5 ani \u00een plus la credit, fa\u021b\u0103 de durata normal\u0103 de 30 de ani, nu adaug\u0103 o sum\u0103 substan\u021bial\u0103 la valoarea creditului.<\/span><\/p>\n

c) V\u00e2rsta codebitorului<\/span><\/h3>\n

Exist\u0103 \u0219i o variant\u0103 de creditare la care v\u00e2rsta codebitorului nu conteaz\u0103 la calculul perioadei maxime de creditare. Ce conteaz\u0103 este v\u00e2rsta solicitantului. Iar perioada se poate \u00eentinde p\u00e2n\u0103 la \u00eemplinirea v\u00e2rstei de 70 de ani de c\u0103tre solicitant.<\/span><\/p>\n<\/div><\/div><\/div><\/div><\/div>

Sfaturi utile<\/span><\/h2>\n

Atunci c\u00e2nd o banc\u0103 ne propune un credit ipotecar pe o perioad\u0103 mai mare, de exemplu peste v\u00e2rsta de pensionare sau peste limita de 70 de ani, este important s\u0103 \u0219tim \u0219i \u00een ce condi\u021bii se poate face acest lucru. De cele mai multe ori poate sc\u0103dea suma maxim\u0103 la care ne \u00eencadr\u0103m<\/p>\n<\/div><\/div><\/div><\/div><\/div>

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

Ai nevoie de p\u0103rerea unui specialist \u00een credite?<\/h3><\/a><\/div>
<\/div>
\n

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>Consult\u0103 un specialist<\/span><\/a>
<\/div><\/div><\/div>
<\/i><\/div>

Vrei s\u0103 afli c\u00e2t po\u021bi s\u0103 \u00eemprumu\u021bi? <\/h3><\/a><\/div>
<\/div>
\n

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>C\u00e2t pot s\u0103 \u00eemprumut<\/span><\/a>
<\/div><\/div><\/div>
<\/i><\/div>

Ai nevoie de refinantare pentru creditul t\u0103u?<\/h3><\/a><\/div>
<\/div>
\n

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>Refinan\u021beaz\u0103 rapid<\/span><\/a>
<\/div><\/div><\/div>
<\/div><\/div><\/div><\/div><\/div><\/div>

\u00centreb\u0103ri frecvente<\/b><\/h2>\n
    \n
  1. Se \u021bine cont de v\u00e2rsta codebitorului?<\/b><\/li>\n<\/ol>\n

    R\u0103spunsul este da, la fel cum se \u021bine cont \u0219i de ratele sau venitul codebitorului, a\u0219a se va \u021bine cont \u0219i de v\u00e2rsta acestuia.<\/span><\/p>\n

      \n
    1. Dac\u0103 schimb\u0103m calitatea de codebitor<\/span> <\/a>cu cea de solicitant la un dosar, putem influen\u021ba durata creditului?<\/b><\/li>\n<\/ol>\n

      A\u0219a cum men\u021bionam \u00een r\u00e2ndurile de mai sus, banca va \u021bine cont de valoarea cea mai mic\u0103 dintre duratele maxime la care se \u00eencadreaz\u0103 participan\u021bii la credit.<\/span><\/p>\n

        \n
      1. Cum putem m\u0103ri valoarea creditului dac\u0103 v\u00e2rsta este un impediment?<\/b><\/li>\n<\/ol>\n

        \u00cen acest caz, cea mai bun\u0103 solu\u021bie este aducerea unui codebitor. O alt\u0103 solu\u021bie este aplicarea pentru un tip de credit care s\u0103 permit\u0103 acest lucru, fie credit cu virare venit, fie cu un tip de dob\u00e2nd\u0103 – fix\u0103 \u00een primii ani, sau variabil\u0103 de la \u00eenceput, dar care s\u0103 permit\u0103 o sum\u0103 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> 8<\/span> minute<\/span><\/span><\/p>\n","protected":false},"author":14,"featured_media":1785,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1,54,223,53],"tags":[],"class_list":["post-1784","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":"\nV\u00e2rsta maxim\u0103 pentru un credit ipotecar in func\u021bie de banc\u0103 - Blogul 123Credit<\/title>\n<meta name=\"description\" content=\"Descoper\u0103 care este v\u00e2rsta maxim\u0103 pentru a accesa un credit ipotecar, inclusiv condi\u021biile specifice ale b\u0103ncilor din Rom\u00e2nia.\" \/>\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\/varsta-maxima-pentru-un-credit-ipotecar-in-funcie-de-banc\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"V\u00e2rsta maxim\u0103 pentru un credit ipotecar in func\u021bie de banc\u0103 - 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