{"id":1796,"date":"2024-10-07T17:37:32","date_gmt":"2024-10-07T14:37:32","guid":{"rendered":"https:\/\/123credit.ro\/blog\/?p=1796"},"modified":"2024-11-04T12:13:09","modified_gmt":"2024-11-04T10:13:09","slug":"credit-de-construire-conditii-de-acordare","status":"publish","type":"post","link":"https:\/\/123credit.ro\/blog\/credit-de-construire-conditii-de-acordare\/","title":{"rendered":"Credit de construire – Condi\u021bii de acordare"},"content":{"rendered":"Timpul estimat pentru citire: <\/span> 9<\/span> minute<\/span><\/span>

Marea majoritate dintre noi ne dorim s\u0103 avem o cas\u0103. Mai mult dec\u00e2t at\u00e2t, mul\u021bi dintre noi ne-am dori s\u0103 ne construim una. \u00cen acest articol vom discuta despre cum putem construi o cas\u0103 prin <\/span>credit de construire<\/b><\/span>. Exist\u0103 numeroase b\u0103nci care ofer\u0103 astfel de credite, iar mul\u021bi clien\u021bi \u0219i-au realizat locuin\u021bele cu ajutorul acestui tip de \u00eemprumut. Dac\u0103 \u0219i tu \u00ee\u021bi dore\u0219ti s\u0103 \u00ee\u021bi construie\u0219ti o cas\u0103 printr-un credit de construire, credem c\u0103 acest articol \u00ee\u021bi va fi util.<\/span><\/p>\n

Aspecte esen\u021biale pentru ob\u021binerea unui credit de construire<\/span><\/h2>\n

Iat\u0103 c\u00e2teva lucruri importante de \u0219tiut, de\u0219i vom generaliza pu\u021bin pentru c\u0103 fiecare banc\u0103 care acord\u0103 credit ipotecar de construire are propriul mod de lucru.<\/span><\/p>\n

1) Discu\u021bia cu <\/span>banca<\/span><\/span><\/p>\n

Cel mai important lucru este discu\u021bia ini\u021bial\u0103 cu banca. \u00cenainte de a face orice demers, este important s\u0103 \u0219tim la ce sum\u0103 ne \u00eencadr\u0103m \u0219i la fel de important este s\u0103 \u0219tim care sunt pa\u0219ii pe care \u00eei urm\u0103m atunci c\u00e2nd ne construim o cas\u0103.
\n<\/span><\/p>\n

2) Terenul<\/span><\/h3>\n

Este important, desigur, s\u0103 avem un teren pe care s\u0103 construim. Nu putem construi o cas\u0103 pe terenul altcuiva, cu excep\u021bia situa\u021biilor \u00een care terenul este primit \u00een concesiune de la prim\u0103rie. \u00cen aceste cazuri trebuie s\u0103 fim siguri c\u0103 am respectat termenii concesiunii, pentru c\u0103 \u0219i banca se va uita la acest lucru. De exemplu, poate exista un termen p\u00e2n\u0103 la care clientul trebuie s\u0103 \u00ee\u0219i fi f\u0103cut funda\u021bia casei. Tot \u00een cazul concesion\u0103rii, trebuie s\u0103 fim siguri c\u0103 prim\u0103ria \u00ee\u0219i va da acordul pentru iptecarea construc\u021biei \u0219i terenului.<\/p>\n

3) Accesul la drumul public<\/span><\/h3>\n

Este important ca terenul pe care se urmeaz\u0103 s\u0103 se construiasc\u0103, s\u0103 aib\u0103 acces la drum public. Exist\u0103 situa\u021bii \u00een care proprietarul imobilului descoper\u0103 cu uimire c\u0103 nu are acces legal la un drum public. Acest lucru se poate dovedi prin documenta\u021bia cadastral\u0103 a zonei, prin dovada de\u021binerii unei cote p\u0103r\u021bi din drum, \u00een cazul \u00een care drumul este privat sau prin acordul scris al proprietarului drumului de a oferi acces de\u021bin\u0103torului terenului la acest drum.<\/p>\n

4) Autoriza\u021bie pentru construire<\/span><\/h3>\n

Un alt pas important este ca terenul s\u0103 fie trecut \u00een intravilan. Pentru a se putea construi trebuie v\u0103zut dac\u0103 exist\u0103 PUZ<\/a> \u0219i ce con\u021bine acesta.<\/span><\/p>\n

De asemenea este important\u0103 studierea Certificatului de Urbanism pentru a se vedea \u00een ce condi\u021bii se poate construi pe acel teren.<\/p>\n

5) Documenta\u021bia pentru construire<\/span><\/h3>\n

Care sunt documentele cerute de b\u0103nci pentru aprobarea juriric\u0103 a creditului de construire?<\/span><\/p>\n

Preg\u0103tirea documenta\u021biei pentru construire este o condi\u021bie care trebuie indeplinit\u0103 \u00eenainte de depunerea documenta\u021biei la banc\u0103 \u00een vederea aprob\u0103rii creditului ipotecar de construire.<\/p>\n<\/div><\/div><\/div><\/div><\/div>

\"articol<\/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>

Documentele cerute de banc\u0103 pentru aprobarea juridic\u0103<\/span><\/h2>\n

1. Cartea funciar\u0103 – Acest document poate fi ob\u021binut online, de la un notar sau avocat, \u0219i certific\u0103 legalitatea terenului.<\/p>\n

2. Dovad\u0103 proprietate teren \u0219i acces la drum public – Banca va verifica modul de dob\u00e2ndire al terenului pe care urmeaz\u0103 s\u0103 se ridice construc\u021bia<\/p>\n

3. Plan amplasament – adresa imobilului, suprafa\u021ba, coordonatele, numere cadastrale, precum \u0219i datele de identificare ale executantului.<\/p>\n

4. Autoriza\u021bia de construire – Acesta este actul \u00een baza c\u0103ruia se pot executa lucr\u0103rile de construc\u021bii<\/p>\n

5. Notificarea de \u00eencepere a execu\u021biei lucr\u0103rilor – Beneficiarul lucr\u0103rii este obligat s\u0103 notifice Inspectoratul de Stat \u00een Construc\u021bii<\/p>\n

6. Certificat de nomenclatur\u0103 stradal\u0103 – Acesta cuprinde datele de identificare ale imobilului<\/p>\n

7. Planul imobilului – Este un element esen\u021bial \u00een documenta\u021bia de construire<\/p>\n

8. Memoriu de architectura – Este un document necesar \u00een vederea ob\u021binerii certificatului de urbanism<\/p>\n

9. Deviz lucr\u0103ri – De cele mai multe ori acesta trebuie s\u0103 fie semnat \u0219i \u0219tampilat de c\u0103tre un diriginte de \u0219antier<\/p>\n

10. Certificat de urbanism – Acesta indic\u0103 condi\u021biile \u00een care se poate face o investi\u021bie \u00eentr-o anumit\u0103 zon\u0103<\/p>\n

\u00cen ce condi\u021bii elibereaz\u0103 b\u0103ncile sumele de credit<\/span><\/h2>\n

B\u0103ncile elibereaz\u0103 suma unui<\/span> credit de construc\u021bie<\/b> \u00een tran\u0219e, pentru a proteja investi\u021bia \u0219i a se asigura c\u0103 fondurile sunt utilizate corespunz\u0103tor. Dac\u0103 \u00eentreaga sum\u0103 ar fi acordat\u0103 ini\u021bial \u0219i construc\u021bia nu ar fi finalizat\u0103, banca ar risca s\u0103 r\u0103m\u00e2n\u0103 cu o ipotec\u0103 subevaluat\u0103 \u00een raport cu suma \u00eemprumutat\u0103. Astfel, b\u0103ncile prefer\u0103 s\u0103 elibereze banii pe etape, \u00een func\u021bie de progresul lucr\u0103rilor.<\/span><\/p>\n

\u00cen unele cazuri, b\u0103ncile solicit\u0103 clientului s\u0103 acopere cheltuielile \u0219i s\u0103 prezinte dovada acestora pentru decontare. Dup\u0103 ce clientul finalizeaz\u0103 fiecare etap\u0103, banca transfer\u0103 suma aferent\u0103 tran\u0219ei \u00een contul clientului. Aceast\u0103 abordare asigur\u0103 b\u0103ncii c\u0103 banii sunt utiliza\u021bi strict pentru lucr\u0103rile de construc\u021bie, evit\u00e2nd astfel eventualele \u00eent\u00e2rzieri sau lipsa de finalizare a proiectului.<\/p>\n

\u00cen alte situa\u021bii, banca elibereaz\u0103 o tran\u0219\u0103 \u00een avans, iar clientul trebuie s\u0103 finalizeze lucr\u0103rile conform planului stabilit. Dup\u0103 finalizarea lucr\u0103rilor, banca trimite un evaluator pentru a verifica dac\u0103 construc\u021bia a progresat conform acordului ini\u021bial. Dac\u0103 rezultatele sunt conforme, banca ofer\u0103 urm\u0103toarea tran\u0219\u0103.<\/p>\n

Este important de re\u021binut c\u0103 b\u0103ncile nu includ \u00een creditul de construc\u021bie<\/b> costurile pentru mobilarea imobilului. Acest aspect nu este inclus nici \u00een evaluarea final\u0103 a imobilului \u0219i nici \u00een finan\u021barea acordat\u0103 de banc\u0103. Astfel, clientul trebuie s\u0103 \u00ee\u0219i planifice separat costurile pentru mobilier \u0219i alte cheltuieli aferente amenaj\u0103rii interioare.<\/p>\n

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

Un credit de construc\u021bie este un produs bancar accesat de tot mai mul\u021bi clien\u021bi. Cel mai important lucru este discu\u021bia ini\u021bial\u0103 cu banca sau cu un specialist \u00een creditare <\/a>pentru c\u0103 de aceste lucruri poate depinde \u0219i achizi\u021bia terenului.<\/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. Pot cump\u0103ra o construc\u021bie care nu este \u00eenc\u0103 intabulat\u0103?<\/b><\/li>\n<\/ol>\n

    Da, condi\u021bia este de a se contracta un credit suplimentar de construire care s\u0103 rezulte \u00een finalizarea construc\u021biei. Clientul ia dou\u0103 credite \u00een paralel, unul pentru achizi\u021bie teren (\u00een cazul \u00een care imobilul nu s-a putut intabula) \u0219i unul pentru construire pentru finalizarea acestuia.<\/p>\n

      \n
    1. C\u00e2t dureaz\u0103 aprobarea unui credit de construire?<\/b><\/li>\n<\/ol>\n

      Este foarte greu de estimat durata aprob\u0103rii unui credit de construire pentru c\u0103 depinde de mai mul\u021bi factori cum ar fi num\u0103rul de dosare \u00een lucru sau c\u00e2t de bine este preg\u0103tit dosarul. Durata poate fi intre dou\u0103 s\u0103pt\u0103m\u00e2ni \u0219i peste o lun\u0103.<\/p>\n

        \n
      1. \u00cen c\u00e2t timp trebuie finalizat\u0103 construc\u021bia din momentul semn\u0103rii creditului?<\/b><\/li>\n<\/ol>\n

        \u00cen general, b\u0103ncile nu impun un termen, mai ales dac\u0103 e vorba de situa\u021bia \u00een care banca elibereaz\u0103 tran\u0219a ulterior efectu\u0103rii cheltuielilor, \u0219i pentru c\u0103 exist\u0103 obligativitatea unui termen \u00een autoriza\u021bia de construire.<\/p>\n

          \n
        1. Trebuie sa achit\u0103m \u00eentreaga rat\u0103 \u00eenc\u0103 de la \u00eenceput, chiar dac\u0103 am primit doar o tran\u0219\u0103 din bani?<\/b><\/li>\n<\/ol>\n

          Nu. Clientul achit\u0103 rata doar pentru suma primit\u0103. Dup\u0103 fiecare tran\u0219\u0103 se adaug\u0103 rata pentru suma respectiv\u0103.<\/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> 9<\/span> minute<\/span><\/span><\/p>\n","protected":false},"author":14,"featured_media":1797,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1,223,53],"tags":[],"class_list":["post-1796","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-cum-alegi-credit-ipotecar","category-credite-ipotecare","category-bine-de-stiut"],"yoast_head":"\nCredit de construire - Condi\u021bii de acordare - Blogul 123Credit<\/title>\n<meta name=\"description\" content=\"Afl\u0103 cum po\u021bi ob\u021bine un credit de construire: de la condi\u021biile de acordare \u0219i documentele necesare, p\u00e2n\u0103 la modul \u00een care b\u0103ncile elibereaz\u0103 fondurile \u0219i evaluarea imobilului.\" \/>\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\/credit-de-construire-conditii-de-acordare\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Credit de construire - 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