{"id":1784,"date":"2024-10-03T16:31:42","date_gmt":"2024-10-03T13:31:42","guid":{"rendered":"https:\/\/123credit.ro\/blog\/?p=1784"},"modified":"2026-10-19T15:09:20","modified_gmt":"2026-10-19T12:09:20","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>

V\u00e2rsta maxim\u0103 pentru un credit ipotecar se verific\u0103 la sf\u00e2r\u0219itul creditului, nu la data la care aplici. B\u0103ncile cer ca, la ultima rat\u0103, s\u0103 nu dep\u0103\u0219e\u0219ti o anumit\u0103 v\u00e2rst\u0103. De exemplu, BCR \u0219i Raiffeisen accept\u0103 la salaria\u021bi cel mult 63 de ani pentru femei \u0219i 65 pentru b\u0103rba\u021bi, iar BCR accept\u0103 la pensionari cel mult 75 de ani<\/a><\/strong>. Durata maxim\u0103 a creditului este, \u00een cele mai multe cazuri, de 30 de ani.<\/p>\n

Mai jos vezi de la ce v\u00e2rst\u0103 po\u021bi lua un credit ipotecar, p\u00e2n\u0103 la ce v\u00e2rst\u0103 \u00eel po\u021bi primi \u0219i ce excep\u021bii exist\u0103.<\/p>\n

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

V\u00e2rsta minim\u0103 difer\u0103 de la o banc\u0103 la alta. BCR cere minimum 18 ani, iar Raiffeisen minimum 21 de 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<\/strong><\/p>\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 responsabilitate 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<\/strong><\/p>\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<\/strong><\/p>\n

Majoritatea tinerilor nu dispun de avansul necesar unui credit ipotecar. Chiar \u0219i la Noua Cas\u0103, avansul este de 5% sau 15%, \u00een func\u021bie de valoarea imobilului.<\/p>\n

d) Lipsa venitului<\/strong><\/p>\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

Pentru tinerii care nu se \u00eencadreaz\u0103 la sumele dorite, o solu\u021bie ar fi aducerea unui codebitor<\/a><\/strong>.<\/p>\n

P\u00e2n\u0103 la ce v\u00e2rst\u0103 am voie s\u0103 iau un credit ipotecar?<\/strong><\/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) \u00cemplinirea v\u00e2rstei de pensionare<\/strong><\/p>\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. La BCR, pensionarii pot ajunge la 75 de ani la sf\u00e2r\u0219itul creditului. Dac\u0103 aplic\u0103 un cuplu, limita de v\u00e2rst\u0103 se aplic\u0103 fiec\u0103rui participant care are venituri \u00een dosar, a\u0219a c\u0103 banca \u021bine cont de perioada cea mai mic\u0103.<\/p>\n

De exemplu, dac\u0103 ambii so\u021bi urmeaz\u0103 s\u0103 \u00eemplineasc\u0103 40 de ani, partenerul poate cere o durat\u0103 de 25 de ani, iar partenera de 23 de ani. \u00cen acest caz, banca \u021bine cont de o durat\u0103 de 23 de ani.<\/p>\n

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

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

Un client de 25 de ani nu poate cere un credit ipotecar pe 40 de ani, chiar dac\u0103 v\u00e2rsta i-ar permite. B\u0103ncile acord\u0103 creditele ipotecare pe maximum 30 de ani, iar ING, BCR \u0219i Raiffeisen ofer\u0103 perioade de la 3 la 30 de ani.<\/p>\n

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

La salaria\u021bi, limita coincide cu v\u00e2rsta de pensionare cerut\u0103 de banc\u0103, adic\u0103 63 de ani pentru femei \u0219i 65 de ani pentru b\u0103rba\u021bi. La pensionari, limita poate fi mai mare, de exemplu 75 de ani la BCR. V\u00e2rsta maxim\u0103 se calculeaz\u0103 la ultima rat\u0103, a\u0219a c\u0103 durata creditului se scurteaz\u0103 pe m\u0103sur\u0103 ce te apropii de limit\u0103.<\/p>\n

Ce excep\u021bii de la aceste reguli exist\u0103?<\/strong><\/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<\/strong><\/p>\n

Pensionarii au o limit\u0103 mai mare dec\u00e2t salaria\u021bii. La BCR, v\u00e2rsta \u00eemplinit\u0103 la sf\u00e2r\u0219itul creditului poate ajunge la 75 de ani, fa\u021b\u0103 de 63 sau 65 de ani la salaria\u021bi.<\/p>\n

b) V\u00e2rsta codebitorului<\/strong><\/p>\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<\/strong><\/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>
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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

1. Se \u021bine cont de v\u00e2rsta codebitorului?<\/strong><\/h3>\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

2. Dac\u0103 schimb\u0103m calitatea de codebitor<\/span> cu cea de solicitant la un dosar, putem influen\u021ba durata creditului?<\/strong><\/h3>\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

3. Cum putem m\u0103ri valoarea creditului dac\u0103 v\u00e2rsta este un impediment?<\/strong><\/h3>\n

\u00cen acest caz, cea mai bun\u0103 solu\u021bie este aducerea unui codebitor.\u00a0<\/span><\/p>\n

4. Ce vechime trebuie s\u0103 ai pentru un credit ipotecar?<\/strong><\/h3>\n

Vechimea cerut\u0103 difer\u0103 de la o banc\u0103 la alta. Raiffeisen, de exemplu, cere minimum 3 luni la locul de munc\u0103 actual \u0219i accept\u0103 contractele pe perioad\u0103 nedeterminat\u0103 sau pe perioad\u0103 determinat\u0103, dac\u0103 acoper\u0103 durata creditului sau au cel pu\u021bin 2 re\u00eennoiri succesive.<\/p>\n

5. Ce v\u00e2rst\u0103 trebuie s\u0103 ai pentru Prima Cas\u0103?<\/strong><\/h3>\n

Programul Prima Cas\u0103 a fost \u00eenlocuit de Noua Cas\u0103, iar condi\u021bia de v\u00e2rst\u0103 o stabile\u0219te banca. Raiffeisen, de exemplu, cere minimum 21 de ani \u0219i cel mult 63 de ani pentru femei sau 65 de ani pentru b\u0103rba\u021bi la scaden\u021ba final\u0103 a creditului.<\/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":[223],"tags":[],"class_list":["post-1784","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credite-ipotecare"],"yoast_head":"\nV\u00e2rsta maxim\u0103 pentru un credit ipotecar in func\u021bie de banc\u0103 - Blogul 123Credit<\/title>\n<meta name=\"description\" content=\"V\u00e2rsta maxim\u0103 pentru credite ipotecare se calculeaz\u0103 la sf\u00e2r\u0219itul creditului \u0219i difer\u0103 de la o banc\u0103 la alta. 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