{"id":1937,"date":"2024-10-11T17:12:56","date_gmt":"2024-10-11T14:12:56","guid":{"rendered":"https:\/\/123credit.ro\/blog\/?p=1937"},"modified":"2024-11-07T14:35:32","modified_gmt":"2024-11-07T12:35:32","slug":"care-este-suma-maxima-pentru-un-credit-de-nevoi-personale","status":"publish","type":"post","link":"https:\/\/123credit.ro\/blog\/care-este-suma-maxima-pentru-un-credit-de-nevoi-personale\/","title":{"rendered":"Care este suma maxim\u0103 pentru un credit de nevoi personale"},"content":{"rendered":"Timpul estimat pentru citire: <\/span> 10<\/span> minute<\/span><\/span>

De cele mai multe ori, atunci c\u00e2nd mergem la o banc\u0103 pentru a ne interesa de un credit de nevoi personale, dorim s\u0103 \u0219tim \u0219i suma maxim\u0103 la care ne \u00eencadr\u0103m. De regul\u0103, gradul de \u00eendatorare<\/a> acceptat de banc\u0103 este de 40% \u0219i cu ajutorul unui calculator de rate<\/a>, po\u021bi afla aproximativ la ce sum\u0103 te \u00eencadrezi, dar lucrurile sunt pu\u021bin mai nuan\u021bate. Prin acest articol ne propunem s\u0103 l\u0103murim unele aspecte.<\/p>\n

\u00cen cele ce urmeaz\u0103, vom explora r\u00e2nd pe r\u00e2nd care sunt principalii factori care influen\u021beaz\u0103 suma maxim\u0103 pe care ne-am putea \u00eencadra pentru un credit de nevoi personale.<\/p>\n

Venitul<\/span><\/h2>\n

Desigur, la orice banc\u0103 am merge, primul lucru de care suntem \u00eentreba\u021bi este ce venit avem. Pentru banc\u0103, venitul net (altfel spus \u2013 venitul \u00een m\u00e2n\u0103) este \u00eentotdeauna important. Dup\u0103 noile standarde, nu se mai scad sume din venitul eligibil \u00een func\u021bie de num\u0103rul persoanelor aflate \u00een \u00eentre\u021binere.<\/p>\n

Veniturile din salarii sunt luate \u00een considerare de c\u0103tre b\u0103nci \u00een propor\u021bie de 100%. Cu toate acestea, nu toate veniturile asimilate salariilor sunt luate \u00een calcul de c\u0103tre unele b\u0103nci. De exemplu, nu toate b\u0103ncile iau \u00een calcul tichetele de mas\u0103. Alt exemplu de venit pe care unele b\u0103nci nu \u00eel iau \u00een calcul sunt bonusurile care au caracter nepermanent.<\/p>\n

Un alt aspect de care trebuie s\u0103 \u021binem cont atunci c\u00e2nd vorbim de salariu sunt major\u0103rile de salariu. \u00cen cazul \u00een care acestea nu pot fi justificate, banca va lua \u00een considerare doar o majorare de maxim 20%.<\/p>\n

Alte credite aflate \u00een derulare<\/span><\/h2>\n

Al doilea lucru important atunci c\u00e2nd vorbim de suma maxim\u0103 pentru un credit de nevoi personale sunt alte datorii aflate deja \u00een derulare. Aici ne referim nu doar la credite la alte b\u0103nci sau IFN-uri la care clientul este solicitant, ci \u0219i la credite la care acesta este codebitor.<\/p>\n

De asemenea, banca are \u00een cererea de credit o rubric\u0103 \u00een care clientul declar\u0103 dac\u0103 are alte obliga\u021bii financiare, cum ar fi CAR, pensie alimentar\u0103, dar \u0219i alte datorii. O solu\u021bie pentru m\u0103rirea sumei acordate \u00een astfel de situa\u021bii este refinan\u021barea, acolo unde calculele arat\u0103 c\u0103 acest lucru ar fi \u00een avantajul clientului.<\/p>\n

Nu \u00een ultimul r\u00e2nd, dac\u0103 clientul are un card de credit sau un overdraft nefolosit sau la care are o sum\u0103 mic\u0103 de completat, cel mai bine este ca acesta s\u0103 se \u00eenchid\u0103 \u00een astfel de situa\u021bii. Acest lucru i-ar permite clientului s\u0103 majoreze suma accesat\u0103 cu mult mai mult dec\u00e2t valoarea limitei de pe card.<\/p>\n

Scoringul clientului<\/span><\/h2>\n

Spre deosebire de creditele ipotecare, la creditele de nevoi personale se pune un accent mult mai mare pe scoringul clientului.<\/p>\n

Dar la ce se refer\u0103 banca atunci c\u00e2nd vorbe\u0219te de scoring? Banca are un profil, un prototip al clientului pe care \u0219i-l dore\u0219te. \u00cen acest profil pot conta vechimea \u00een munc\u0103, studiile, starea civil\u0103, calitatea de proprietar, domeniul \u00een care activeaz\u0103, v\u00e2rsta, istoricul de creditare \u0219i multe altele.<\/p>\n

Scoringul influen\u021beaz\u0103 suma maxim\u0103 \u00een mai multe feluri. De exemplu, unele b\u0103nci stabilesc dob\u00e2nda \u00een func\u021bie de acest scoring. \u00cen alte situa\u021bii, scoringul influen\u021beaz\u0103 gradul de \u00eendatorare acceptat de c\u0103tre banc\u0103. Iar \u00een alte situa\u021bii, banca impune un plafon al sumei maxime la creditul de nevoi personale pe care o poate accesa clientul \u00een func\u021bie de acest scoring.<\/p>\n

Codebitorul<\/span><\/h2>\n

Codebitorul<\/a>, mai ales dac\u0103 vorbim de so\u021b sau so\u021bie, joac\u0103 un rol important, deoarece unele b\u0103nci au un prag al expunerii nu doar pe un client, ci \u0219i pe familie. \u00cen unele situa\u021bii, este posibil ca suma mai mare s\u0103 poat\u0103 fi accesat\u0103 doar \u00een cazul \u00een care cei doi so\u021bi acceseaz\u0103 credite de nevoi personale separat.<\/p>\n

Aici trebuie \u021binut cont, de asemenea, dac\u0103 banca la care aplic\u0103 clientul ia \u00een considerare \u0219i datoriile partenerului de via\u021b\u0103. \u00cen unele situa\u021bii, banca verific\u0103 explicit acest lucru, iar \u00een alte situa\u021bii clientul trebuie s\u0103 declare acest lucru \u00een cererea de credit.<\/p>\n

Refinan\u021b\u0103rile<\/span><\/h2>\n

O categorie special\u0103 de credite de nevoi personale este aceea a creditelor de nevoi personale pentru refinan\u021bare<\/a>. B\u0103ncile tind s\u0103 ofere diferite facilit\u0103\u021bi pentru a atrage clien\u021bii de la alte institu\u021bii. Printre aceste facilit\u0103\u021bi se num\u0103r\u0103 o excep\u021bie de la gradul de \u00eendatorare standard practicat de banc\u0103, o sum\u0103 suplimentar\u0103 fa\u021b\u0103 de pragul ofertei standard \u0219i o dob\u00e2nd\u0103 mai bun\u0103 care permite \u00eencadrarea la o sum\u0103 mai mare.
\n<\/span><\/p>\n

\u00cencasarea venitului \u00een cont<\/span><\/h2>\n

De cele mai multe ori, cea mai bun\u0103 solu\u021bie este s\u0103 se aplice la banca la care clientul \u00eencaseaz\u0103 salariul. Cu toate acestea, sunt cazuri \u00een care condi\u021biile b\u0103ncii la care \u00eencaseaz\u0103 venitul nu permit clientului s\u0103 acceseze un credit. \u00cen aceste situa\u021bii, clientul poate aplica la o banc\u0103 la care se \u00eencadreaz\u0103. Pentru a-\u0219i maximiza beneficiile, unele b\u0103nci ofer\u0103 cea mai bun\u0103 variant\u0103 posibil\u0103 de creditare, \u00eendeplinind condi\u021bia de rulaj a unei sume, altele cer\u00e2nd mutarea efectiv\u0103 a salariului.
\n<\/span><\/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>

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

Suma maxim\u0103 pe care o persoan\u0103 o poate accesa printr-un credit de nevoi personale depinde de mai mul\u021bi factori, printre care venitul net, datoriile existente, scoringul clientului, prezen\u021ba unui codebitor \u0219i strategia de refinan\u021bare. De asemenea, este important ca solicitantul s\u0103 se adreseze b\u0103ncii care ofer\u0103 cele mai favorabile condi\u021bii, \u00een special dac\u0103 \u00ee\u0219i vireaz\u0103 salariul acolo. Prin \u00een\u021belegerea acestor aspecte, clien\u021bii pot naviga mai eficient procesul de ob\u021binere a unui credit.<\/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. Care ar fi cel mai important factor de luat \u00een considerare pentru a putea lua suma maxim\u0103 posibil atunci c\u00e2nd dorim s\u0103 acces\u0103m un credit de nevoi personale? <\/b><\/li>\n<\/ol>\n

    Dac\u0103 ar fi s\u0103 alegem un singur factor, acela ar fi informarea. Pentru astfel de situa\u021bii exist\u0103 brokerii de credite. D\u00e2nd click aici<\/a>, pute\u021bi vedea lista brokerilor de credite 123Credit care v\u0103 vor ajuta s\u0103 g\u0103si\u021bi cea mai bun\u0103 variant\u0103 posibil\u0103.<\/p>\n

      \n
    1. Care este cel mai r\u0103u lucru pe care \u00eel putem face \u0219i care ar duce la \u00eengradirea accesului la un credit de nevoi personale?<\/b><\/li>\n<\/ol>\n

      De departe, cel mai r\u0103u lucru posibil ar fi acela al neachit\u0103rii ratelor. Este foarte greu s\u0103 convingem o banc\u0103 s\u0103 ne acorde un credit de nevoi personale \u00een condi\u021biile \u00een care nu am achitat la timp ratele la creditele aflate deja \u00een derulare. \u00cen Biroul de Credit apar datoriile mai vechi de 30 de zile, dar trebuie s\u0103 \u021binem cont de faptul c\u0103 b\u0103ncile verific\u0103 \u0219i Centrala Riscurilor de Credit<\/p>\n

        \n
      1. Exist\u0103 comision de rambursare anticipat\u0103 la creditele de nevoi personale?<\/b><\/li>\n<\/ol>\n

        Pentru creditele de nevoi personale cu dob\u00e2nd\u0103 variabil\u0103, nu exist\u0103 comision de rambursare anticipat\u0103, acest lucru fiind reglementat prin lege. Pentru creditele cu dob\u00e2nd\u0103 fix\u0103, legea permite b\u0103ncilor s\u0103 aplice un comision de rambursare anticipat\u0103 de 1%, iar dac\u0103 creditul este \u00een ultimul an din termen, comisionul maxim posibil este de 0,5%.<\/p>\n

          \n
        1. Care este principalul avantaj al creditelor de nevoi personale fa\u021b\u0103 de celelalte credite?<\/b><\/li>\n<\/ol>\n

          Principalul avantaj al creditelor de nevoi personale este c\u0103 solicitantul nu trebuie s\u0103 justifice folosirea sumei de bani.<\/p>\n

            \n
          1. Dup\u0103 c\u00e2t timp se poate refinan\u021ba un credit de nevoi personale? <\/b><\/li>\n<\/ol>\n

            Reglement\u0103rile \u00een vigoare permit refinan\u021barea unui credit f\u0103r\u0103 a fi restric\u021bionat de trecerea unei perioade de timp. Cu toate c\u0103 banca la care clientul are credit nu \u00eel poate \u00eempiedica s\u0103 se refinan\u021beze, marea majoritate a b\u0103ncilor au condi\u021bia trecerii unei perioade de 6 luni pentru un credit pe care ar urma s\u0103-l refinan\u021beze de la alt\u0103 banc\u0103.<\/p>\n

              \n
            1. Ce impact are asupra scorului FICO accesarea unui credit de nevoi personale? <\/b><\/li>\n<\/ol>\n

              Dup\u0103 contractarea unui credit de nevoi personale, scorul FICO \u00eenregistreaz\u0103 o sc\u0103dere temporar\u0103. Odat\u0103 cu plata ratelor, acesta revine \u0219i chiar se \u00eembun\u0103t\u0103\u021be\u0219te.<\/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":1938,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[224],"tags":[],"class_list":["post-1937","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credite-de-nevoi-personale"],"yoast_head":"\nCare este suma maxim\u0103 pentru un credit de nevoi personale - Blogul 123Credit<\/title>\n<meta name=\"description\" content=\"Afl\u0103 cum s\u0103 navighezi procesul de ob\u021binere a unui credit de nevoi personale, descoperind factorii cheie care influen\u021beaz\u0103 suma maxim\u0103 pe care o po\u021bi accesa.\" \/>\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\/care-este-suma-maxima-pentru-un-credit-de-nevoi-personale\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Care este suma maxim\u0103 pentru un credit de nevoi personale - 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