{"id":1871,"date":"2024-10-09T17:31:57","date_gmt":"2024-10-09T14:31:57","guid":{"rendered":"https:\/\/123credit.ro\/blog\/?p=1871"},"modified":"2025-05-08T10:51:30","modified_gmt":"2025-05-08T07:51:30","slug":"credit-ipotecar-pentru-achizitie-teren-intravilan","status":"publish","type":"post","link":"https:\/\/123credit.ro\/blog\/credit-ipotecar-pentru-achizitie-teren-intravilan\/","title":{"rendered":"Credit ipotecar pentru achizi\u021bie teren intravilan \u2013 Condi\u021bii \u0219i cerin\u021be"},"content":{"rendered":"Timpul estimat pentru citire: <\/span> 10<\/span> minute<\/span><\/span>

<\/h1>\n

Condi\u021bii pentru terenul achizi\u021bionat<\/span><\/h2>\n

Dup\u0103 criza financiar\u0103 din 2008-2010, b\u0103ncile au devenit mai reticente \u00een a acorda credite ipotecare pentru achizi\u021bia de terenuri. \u00cen general, avansul cerut este mai mare \u0219i, uneori, este solicitat\u0103 o garan\u021bie suplimentar\u0103.<\/p>\n

Iat\u0103 principalele aspecte de care trebuie s\u0103 \u021bii cont atunci c\u00e2nd vrei s\u0103 cumperi un teren intravilan prin credit ipotecar.<\/p>\n

1. Statutul de intravilan<\/h3>\n

B\u0103ncile iau \u00een considerare terenurile intravilane, deoarece sunt mai u\u0219or de v\u00e2ndut \u00een caz de executare silit\u0103. Un credit ipotecar are scop locativ, ceea ce \u00eenseamn\u0103 c\u0103 terenul trebuie s\u0103 fie destinat construirii unei locuin\u021be. Chiar dac\u0103 un teren este intravilan, nu orice parcel\u0103 este potrivit\u0103 pentru construc\u021bie. Condi\u021biile pentru construirea unui imobil sunt specificate \u00een certificatul de urbanism.<\/p>\n

2. Posibilitatea construirii<\/h3>\n

Pentru a aproba un credit ipotecar pentru achizi\u021bia unui teren intravilan, banca trebuie s\u0103 se asigure c\u0103 pe teren se poate construi. Condi\u021biile de construc\u021bie apar \u00een certificatul de urbanism, iar banca nu va finan\u021ba terenuri pentru care exist\u0103 doar posibilitatea viitoare de aprobare a unui Plan Urbanistic Zonal (PUZ)<\/span>.<\/span><\/p>\n

3. \u00cemprejmuire \u0219i utilit\u0103\u021bi<\/h3>\n

Unele b\u0103nci solicit\u0103 ca terenul s\u0103 fie \u00eemprejmuit \u0219i s\u0103 aib\u0103 utilit\u0103\u021bile trase \u00een fa\u021b\u0103. \u00cen func\u021bie de aceste criterii, avansul poate varia \u00eentre 35% \u0219i 50%, iar \u00een unele cazuri este stabilit \u00een timpul analizei dosarului.<\/p>\n

4. Acces la drum public<\/h3>\n

Accesul la drum public este o cerin\u021b\u0103 esen\u021bial\u0103 pentru ca banca s\u0103 accepte terenul \u00een garan\u021bie. Dac\u0103 nu exist\u0103 acces direct la un drum public, terenul poate fi respins.<\/p>\n

5. Litigii<\/h3>\n

Banca verific\u0103 toate documentele legate de proprietate pentru a se asigura c\u0103 terenul nu este implicat \u00eentr-un litigiu \u0219i c\u0103 nu exist\u0103 riscuri juridice.<\/p>\n

Condi\u021bii pentru client<\/h2>\n

Pentru a ob\u021bine un credit ipotecar pentru achizi\u021bia unui teren intravilan, trebuie s\u0103 \u00eendepline\u0219ti acelea\u0219i criterii ca \u00een cazul altor credite ipotecare.<\/p>\n

Venitul \u0219i gradul de \u00eendatorare<\/h3>\n

Banca va analiza venitul solicitantului \u0219i gradul de \u00eendatorare, lu\u00e2nd \u00een calcul ratele existente \u0219i eventualele \u00eent\u00e2rzieri.<\/p>\n

Situa\u021bia \u00een Biroul de Credit<\/h3>\n

Istoricul din Biroul de Credit<\/a> este important \u00een evaluarea eligibilit\u0103\u021bii pentru un credit ipotecar. B\u0103ncile analizeaz\u0103 dac\u0103 au existat \u00eent\u00e2rzieri la alte credite \u0219i gradul total de \u00eendatorare.<\/p>\n

Garan\u021bie suplimentar\u0103<\/h3>\n

Comparativ cu creditele pentru achizi\u021bia unei locuin\u021be, pentru achizi\u021bia unui teren este posibil s\u0103 fie necesar\u0103 o garan\u021bie suplimentar\u0103. Aceasta trebuie s\u0103 fie un imobil de locuit (cas\u0103 sau apartament) care s\u0103 acopere cel pu\u021bin 133% din valoarea creditului. \u00cen plus, imobilul trebuie s\u0103 \u00eendeplineasc\u0103 criteriile de eligibilitate cerute de banc\u0103 pentru a putea fi ipotecat.<\/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>

Situa\u021bii speciale \u00een care se solicit\u0103 garan\u021bie suplimentar\u0103 <\/span><\/h2>\n

Exist\u0103 dou\u0103 tipuri de situa\u021bii \u00een care se ipotecheaz\u0103 o garan\u021bie suplimentar\u0103:<\/p>\n

a) Banca are acest lucru specificat \u00een norm\u0103, \u0219i la toate creditele de achizi\u021bie teren se cere acest lucru.<\/p>\n

b) Clientul nu dispune de avans \u0219i pentru avans aduce \u00een garan\u021bie un alt imobil aflat \u00een proprietatea sa.<\/p>\n

Codebitorul<\/h3>\n

La fel ca \u00een cazul creditelor pentru achizi\u021bie locuin\u021b\u0103, \u0219i \u00een cazul creditelor pentru achizi\u021bie teren, banca accept\u0103 codebitori<\/a>. \u00cen marea majoritate a cazurilor, codebitorii trebuie s\u0103 fie membri apropia\u021bi din familie, dar exist\u0103 \u0219i excep\u021bii privind gradul de rudenie.<\/p>\n

Excep\u021bii \u0219i cazuri speciale<\/h3>\n

\u00cen anumite cazuri, terenul poate s\u0103 nu fie acceptat \u00een garan\u021bie. Aceste situa\u021bii pot include terenuri care nu \u00eendeplinesc criteriile de eligibilitate sau construc\u021bii neconforme (de exemplu, case din chirpici).<\/p>\n

1. Terenul nu poate fi acceptat \u00een garan\u021bie<\/h4>\n

Exist\u0103 \u0219i situa\u021bia \u00een care, \u00een cazul \u00een care banca accept\u0103 garan\u021bia suplimentar\u0103 din punct de vedere juridic, dar \u0219i a valorii sale, nu verific\u0103 documenta\u021bia terenului. Acest lucru se potrive\u0219te \u00een situa\u021biile \u00een care fie terenul nu poate fi luat \u00een garan\u021bie de c\u0103tre banc\u0103, fie construc\u021bia de pe teren este din chirpici.<\/span><\/p>\n

2. Achizi\u021bie teren \u0219i construire imobil<\/span><\/h4>\n

Exist\u0103 \u0219i varianta \u00een care clientul dore\u0219te s\u0103 cumpere terenul, dar s\u0103 \u0219i construiasc\u0103 imobilul. Singura posibilitate este ca ambele credite s\u0103 fie la aceea\u0219i banc\u0103. Este imposibil s\u0103 existe simultan ipotecile a dou\u0103 b\u0103nci diferite pe acela\u0219i imobil, cu excep\u021bia refinan\u021b\u0103rilor. Este foarte probabil ca banca s\u0103 cear\u0103 o garan\u021bie suplimentar\u0103, chiar dac\u0103 acest lucru nu este standard conform normelor b\u0103ncii.
\n<\/span><\/p>\n

3. Scoaterea unuia dintre bunuri de sub ipotec\u0103 <\/span><\/h4>\n

\u00cen situa\u021bia \u00een care at\u00e2t terenul, c\u00e2t \u0219i un imobil suplimentar sunt sub ipotec\u0103, de regul\u0103 este posibil ca ipoteca s\u0103 se mute doar pe una dintre propriet\u0103\u021bi. Acest lucru este posibil dac\u0103 valoarea imobilului pe care se mut\u0103 ipoteca permite acest lucru. Evaluarea unui imobil este valabil\u0103 pe o perioad\u0103 de maxim un an, ceea ce \u00eenseamn\u0103 c\u0103 mutarea ipotecii dup\u0103 acest termen presupune efectuarea unei noi evalu\u0103ri. De asemenea, trebuie avut \u00een vedere dac\u0103 norma b\u0103ncii respective permite aceast\u0103 opera\u021biune.
\n<\/span><\/p>\n

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

Ob\u021binerea unui credit ipotecar pentru achizi\u021bia unui teren intravilan implic\u0103 \u00eendeplinirea unor condi\u021bii stricte at\u00e2t pentru teren (statut intravilan, posibilitatea construirii, acces la drum public), c\u00e2t \u0219i pentru client (venituri, istoric financiar, garan\u021bii). B\u0103ncile au devenit mai prudente, cer\u00e2nd avansuri mari \u0219i verific\u0103ri riguroase. De asemenea, exist\u0103 situa\u021bii excep\u021bionale care pot influen\u021ba eligibilitatea, subliniind complexitatea procesului de finan\u021bare.<\/span><\/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. \u00cen ce document se poate verifica dac\u0103 \u0219i ce tip de construc\u021bie poate fi ridicat\u0103 pe un anumit teren?<\/b><\/li>\n<\/ol>\n

    Condi\u021biile privind posibilitatea construirii unui imobil pe un teren intravilan apar \u00een certificatul de urbanism. \u00cen multe situa\u021bii, noile decizii de consiliu local apar doar \u00een certificatul de urbanism pentru construire, de aceea este indicat s\u0103 discu\u021bi cu un topograf sau diriginte de \u0219antier despre acest aspect.<\/p>\n

      \n
    1. Ce se \u00eent\u00e2mpl\u0103 dac\u0103 prim\u0103ria decide s\u0103 exproprieze terenul ipotecat \u00een favoarea b\u0103ncii?<\/b><\/li>\n<\/ol>\n

      Conform legisla\u021biei \u00een vigoare, banca are prioritate la \u00eencasarea sumei din expropriere, diferen\u021ba revenindu-i proprietarului dup\u0103 ridicarea ipotecii b\u0103ncii. Dup\u0103 finalizarea acestui proces, terenul devine proprietate public\u0103.<\/p>\n

        \n
      1. Un teren ipotecat \u00een favoarea b\u0103ncii poate fi parcelat mai departe?<\/b><\/li>\n<\/ol>\n

        Da. Un teren se poate parcela chiar dac\u0103 este ipotecat \u00een favoarea b\u0103ncii, dar numai cu acordul acesteia, iar fiecare parcel\u0103 trebuie s\u0103 corespund\u0103 normelor b\u0103ncii privind terenurile ipotecate. Banca va muta ipoteca pe fiecare parcel\u0103 rezultat\u0103 \u00een urma dezmembr\u0103rii.<\/p>\n

          \n
        1. Dac\u0103 clientul dore\u0219te s\u0103 uneasc\u0103 un teren al\u0103turat cu terenul aflat sub ipotec\u0103, \u00een ce condi\u021bii poate face acest lucru?<\/b><\/li>\n<\/ol>\n

          Acest lucru este realizabil cu condi\u021bia ob\u021binerii acordului b\u0103ncii. Banca va verifica \u0219i documenta\u021bia terenului care urmeaz\u0103 a fi incorporat \u00een noua suprafa\u021b\u0103 pentru a se asigura c\u0103 nu poate fi obiectul unor litigii.<\/p>\n

            \n
          1. Care sunt cele mai mari riscuri atunci c\u00e2nd cump\u0103r\u0103m un teren prin credit ipotecar?<\/b><\/li>\n<\/ol>\n

            A\u0219a cum spuneam \u00een cuprinsul articolului, b\u0103ncile cer un avans mai mare \u00een cazul creditelor ipotecare de achizi\u021bie teren dec\u00e2t \u00een cazul celorlalte tipuri de credite ipotecare. Acest lucru se datoreaz\u0103 faptului c\u0103 riscul devaloriz\u0103rii este mai mare la acest tip de propriet\u0103\u021bi. Un alt risc demn de luat \u00een calcul este schimbarea regulilor de urbanism.<\/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> 10<\/span> minute<\/span><\/span><\/p>\n","protected":false},"author":14,"featured_media":1875,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1,54,53],"tags":[],"class_list":["post-1871","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-cum-alegi-credit-ipotecar","category-credit-ipotecar","category-bine-de-stiut"],"yoast_head":"\nCredit ipotecar pentru achizi\u021bie teren intravilan \u2013 Condi\u021bii \u0219i cerin\u021be - Blogul 123Credit<\/title>\n<meta name=\"description\" content=\"Afl\u0103 tot ce trebuie s\u0103 \u0219tii despre creditul ipotecar pentru achizi\u021bia unui teren intravilan. 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