{"id":2019,"date":"2024-10-17T15:01:00","date_gmt":"2024-10-17T12:01:00","guid":{"rendered":"https:\/\/123credit.ro\/blog\/?p=2019"},"modified":"2024-11-04T12:10:12","modified_gmt":"2024-11-04T10:10:12","slug":"conditii-pentru-credit-de-nevoi-personale-ghid-pentru-aprobarea-imprumutului","status":"publish","type":"post","link":"https:\/\/123credit.ro\/blog\/conditii-pentru-credit-de-nevoi-personale-ghid-pentru-aprobarea-imprumutului\/","title":{"rendered":"Condi\u021bii pentru credit de nevoi personale: ghid pentru aprobarea \u00eemprumutului"},"content":{"rendered":"<span class=\"span-reading-time rt-reading-time\" style=\"display: block;\"><span class=\"rt-label rt-prefix\">Timpul estimat pentru citire: <\/span> <span class=\"rt-time\"> 11<\/span> <span class=\"rt-label rt-postfix\">minute<\/span><\/span><p><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 fusion-flex-container nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1144px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-blend:overlay;--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-1\"><p>C\u00e2nd vine vorba de ob\u021binerea unui credit de nevoi personale, e esen\u021bial s\u0103 \u00een\u021belegi condi\u021biile impuse de b\u0103nci pentru a te asigura c\u0103 va fi aprobat. Acest tip de credit este unul dintre cele mai populare produse financiare, deoarece poate fi folosit pentru orice nevoie, de la renovarea locuin\u021bei p\u00e2n\u0103 la acoperirea unor cheltuieli neprev\u0103zute.<\/p>\n<p>\u00cen acest articol, vom explora \u00een detaliu condi\u021biile pentru credit de nevoi personale, cum influen\u021beaz\u0103 veniturile, istoricul de credit, gradul de \u00eendatorare \u0219i alte criterii stabilite de b\u0103nci pentru procesul de aprobare.<\/p>\n<h2 class=\"\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><span style=\"font-weight: 400;\">Ce condi\u021bii cer b\u0103ncile pentru un credit de nevoi personale<\/span><\/h2>\n<p>Atunci c\u00e2nd aplici pentru un <a href=\"https:\/\/www.google.com\/url?q=https:\/\/123credit.ro\/blog\/creditul-de-nevoi-personale-cu-dobanda-fixa\/&amp;sa=D&amp;source=docs&amp;ust=1729168240875270&amp;usg=AOvVaw1LnLqFeyRIeEmXY2Bf8aGa\"><span style=\"color: var(--awb-color5);\">credit de nevoi personale<\/span>,<\/a> fiecare banc\u0103 are propriile criterii de eligibilitate, dar exist\u0103 anumite condi\u021bii generale pe care trebuie s\u0103 le \u00eendepline\u0219ti indiferent de institu\u021bia la care apelezi.<\/p>\n<p>Pe baza acestor condi\u021bii, banca \u00ee\u021bi poate evalua capacitatea de a rambursa creditul \u0219i se asigur\u0103 c\u0103 \u00ee\u021bi po\u021bi gestiona datoriile pe termen lung.<\/p>\n<p>Uite care sunt 6 dintre cele mai frecvente condi\u021bii credit de nevoi personale:<\/p>\n<h3 class=\"\" style=\"--fontsize: 26; line-height: 1.2;\" data-fontsize=\"26\" data-lineheight=\"31.2px\">V\u00e2rsta minim\u0103 \u0219i maxim\u0103<\/h3>\n<p>Majoritatea b\u0103ncilor solicit\u0103 ca solicitantul unui credit s\u0103 aib\u0103 o <b>v\u00e2rst\u0103 minim\u0103 de 18 ani<\/b>, iar v\u00e2rsta maxim\u0103 la finalul perioadei de rambursare s\u0103 fie <b>\u00eentre 65 \u0219i 75 de ani<\/b>, \u00een func\u021bie de banc\u0103 \u0219i tipul de credit. De exemplu:<\/p>\n<ul>\n<li><a style=\"color: var(--awb-color5);\" href=\"https:\/\/intreb.bancatransilvania.ro\/ce-conditii-trebuie-sa-indeplinesc-pentru-a-putea-contracta-un-credit\/\">Banca Transilvania<\/a> \u0219i <span style=\"color: var(--awb-color5);\"><a style=\"color: var(--awb-color5);\" href=\"https:\/\/www.raiffeisen.ro\/ro\/persoane-fizice\/produsele-noastre\/credite\/credit-de-nevoi-personale-fara-ipoteca.html\">Raiffeisen Bank<\/a><\/span> permit o v\u00e2rst\u0103 maxim\u0103 de 65 de ani la finalul creditului, cu posibilitate de extindere la 70 de ani \u00een cazuri speciale.<\/li>\n<li><a href=\"https:\/\/www.cec.ro\/persoane-fizice\/credite\/conditii-generale-de-acordare-creditelor\"><span style=\"color: var(--awb-color5);\">CEC Bank<\/span> <\/a>permite o v\u00e2rst\u0103 maxim\u0103 de 70 de ani pentru creditele de nevoi personale \u0219i 75 de ani pentru alte tipuri de \u00eemprumuturi.<\/li>\n<\/ul>\n<h3 style=\"--fontsize: 38; line-height: 1.2;\">Cet\u0103\u021benie \u0219i reziden\u021b\u0103<\/h3>\n<p>Pentru a fi eligibil pentru un credit de nevoi personale, trebuie s\u0103 fii cet\u0103\u021bean rom\u00e2n sau cet\u0103\u021bean str\u0103in cu reziden\u021b\u0103 stabil\u0103 \u00een Rom\u00e2nia. B\u0103ncile accept\u0103 \u0219i cet\u0103\u021beni din Uniunea European\u0103 cu domiciliu stabil \u00een Rom\u00e2nia sau \u00een alte \u021b\u0103ri UE \u00een cazuri specifice de creditare.<\/p>\n<h3>Venituri stabile \u0219i constante<\/h3>\n<p>Un criteriu esen\u021bial pentru aprobarea unui credit este venitul stabil \u0219i dovedit prin acte oficiale. B\u0103ncile cer adesea dovezi de venit pentru a verifica stabilitatea financiar\u0103 a solicitantului. Veniturile acceptate includ:<\/p>\n<ul>\n<li>Salarii din contracte de munc\u0103 pe perioad\u0103 nedeterminat\u0103;<\/li>\n<li>Pensii;<\/li>\n<li>Venituri din activit\u0103\u021bi independente (freelancing, PFA-uri);<\/li>\n<li>Chirii \u0219i alte surse de venit;<\/li>\n<li>Alte venituri declarate fiscal (ex. dividende).<\/li>\n<\/ul>\n<p>De exemplu, Banca Transilvania \u0219i UniCredit Bank verific\u0103 automat veniturile prin ANAF pentru a simplifica procesul de aplicare, iar Raiffeisen Bank ofer\u0103 op\u021biuni preferen\u021biale pentru clien\u021bii care \u00ee\u0219i \u00eencaseaz\u0103 salariul la aceea\u0219i banc\u0103.<\/p>\n<h3>Vechimea la locul de munc\u0103<\/h3>\n<p style=\"font-size: 16px; line-height: 24.52px; letter-spacing: 0.24px;\" data-fusion-font=\"true\">Pentru a demonstra stabilitatea veniturilor, b\u0103ncile cer o anumit\u0103 vechime la actualul loc de munc\u0103:<\/p>\n<p><span style=\"background-color: rgba(255, 255, 255, 0); color: var(--h2_typography-color); font-family: var(--h2_typography-font-family); font-size: 16px; font-style: var(--h2_typography-font-style,normal); font-weight: normal; letter-spacing: 0.24px; text-transform: var(--h2_typography-text-transform);\">Banca Transilvania \u0219i <a href=\"https:\/\/www.unicredit.ro\/ro\/persoane-fizice\/Credite\/credite-realizari-personale.html\"><span style=\"color: var(--awb-color5);\">UniCredit Bank<\/span>,<\/a> de exemplu, cer o vechime minim\u0103 de 3 luni la actualul angajator.<\/span><\/p>\n<p style=\"font-size: 16px; line-height: 24.52px; letter-spacing: 0.24px;\" data-fusion-font=\"true\">Aceast\u0103 cerin\u021b\u0103 este important\u0103 pentru a dovedi c\u0103 ai un venit constant \u0219i stabil, care \u00ee\u021bi va permite s\u0103 rambursezi creditul pe termen lung.<\/p>\n<h3>Gradul de \u00eendatorare<\/h3>\n<p>Gradul de \u00eendatorare reprezint\u0103 procentul din venitul t\u0103u lunar care este alocat pl\u0103\u021bii ratelor pentru creditele existente. B\u0103ncile calculeaz\u0103 acest indicator pentru a se asigura c\u0103 nu vei fi supra\u00eendatorat dup\u0103 aprobarea unui nou credit. Limita maxim\u0103 de \u00eendatorare este, \u00een general, de aproximativ 40% din venitul lunar net.<\/p>\n<ul>\n<li>BT specific\u0103 faptul c\u0103 gradul de \u00eendatorare nu trebuie s\u0103 dep\u0103\u0219easc\u0103 40% pentru a fi eligibil.<\/li>\n<li>CEC Bank \u0219i alte b\u0103nci folosesc acela\u0219i criteriu pentru a evalua \u0219ansele de aprobare.<\/li>\n<\/ul>\n<h3>Istoric de credit \u0219i comportament financiar<\/h3>\n<p>B\u0103ncile acord\u0103 o mare importan\u021b\u0103 istoricului t\u0103u de credit. Un scor de credit bun \u0219i un comportament responsabil de plat\u0103 (f\u0103r\u0103 restan\u021be la alte credite) cresc \u0219ansele de aprobare.<\/p>\n<p>Dac\u0103 ai avut \u00eent\u00e2rzieri la plata altor \u00eemprumuturi, acestea pot afecta negativ cererea ta.<\/p>\n<h3>Posibilitatea de a ad\u0103uga co-debitori sau giran\u021bi<\/h3>\n<p>Pentru a cre\u0219te \u0219ansele de aprobare a unui credit de nevoi personale, unele b\u0103nci permit ad\u0103ugarea unui co-debitor sau a unui girant:<\/p>\n<ul>\n<li>CEC Bank accept\u0103 co-debitori pentru a sus\u021bine cererea de credit, cum ar fi membrii familiei sau prietenii, care pot ajuta la cre\u0219terea sumei eligibile sau la reducerea riscului perceput de banc\u0103.<\/li>\n<li><a href=\"https:\/\/www.google.com\/url?q=https:\/\/www.raiffeisen.ro\/ro\/persoane-fizice\/produsele-noastre\/credite\/credit-de-nevoi-personale-fara-ipoteca.html&amp;sa=D&amp;source=docs&amp;ust=1729168534839556&amp;usg=AOvVaw3o_27SvsJ0r1DENRBwgqBt\"><span style=\"color: var(--awb-color5);\">Raiffeisen Bank<\/span> <\/a>\u0219i alte institu\u021bii permit ad\u0103ugarea unui co-debitor pentru a \u00eembun\u0103t\u0103\u021bi condi\u021biile creditului, \u00een special \u00een cazuri unde veniturile individuale sunt la limit\u0103.<\/li>\n<\/ul>\n<p>Dac\u0103 vrei s\u0103 compari cele mai bune oferte din dou\u0103 click-uri, intr\u0103 pe <a style=\"color: var(--awb-color5);\" href=\"https:\/\/123credit.ro\/credit-nevoi-personale\">simulatorul online de credite de nevoi personal<\/a><span style=\"color: var(--awb-color5);\">e<\/span> \u0219i alege cea mai bun\u0103 ofert\u0103 pentru tine.<\/p>\n<h2><span style=\"font-weight: normal;\">Impactul gradului de \u00eendatorare asupra aprob\u0103rii <\/span><\/h2>\n<p><a href=\"https:\/\/123credit.ro\/blog\/gradul-de-indatorare-ce-este-si-cum-te-afecteaza\/\"><u><span style=\"color: var(--awb-color5);\">Gradul de \u00eendatorare<\/span><\/u> <\/a>este unul dintre cei mai importan\u021bi factori pe care b\u0103ncile \u00eei iau \u00een considerare atunci c\u00e2nd evalueaz\u0103 o cerere de credit de nevoi personale. Acesta reprezint\u0103 raportul dintre toate obliga\u021biile financiare lunare (rate la credite, leasinguri, pl\u0103\u021bi c\u0103tre IFN-uri etc.) \u0219i venitul lunar net.<\/p>\n<p>Calculul acestui indicator ajut\u0103 b\u0103ncile s\u0103 determine <b>c\u00e2t de mult din venitul t\u0103u este deja alocat pl\u0103\u021bii datoriilor<\/b> \u0219i dac\u0103 \u00ee\u021bi po\u021bi permite o nou\u0103 rat\u0103 lunar\u0103 f\u0103r\u0103 s\u0103 te afli \u00eentr-o situa\u021bie financiar\u0103 dificil\u0103.<\/p>\n<p>\u00cen Rom\u00e2nia, gradul de \u00eendatorare maxim este reglementat de Banca Na\u021bional\u0103 a Rom\u00e2niei (BNR) \u0219i, de obicei, variaz\u0103 \u00eentre <b>40% <\/b>\u0219i<b> 45% <\/b>din venitul lunar.<\/p>\n<p>Mai exact, gradul de \u00eendatorare trebuie s\u0103 fie de:<\/p>\n<ul>\n<li><b>maxim 40%<\/b> \u00een cazul creditelor de consum \u0219i a creditelor ipotecare, respectiv <b>45% pentru creditele ipotecare<\/b> destinate achizi\u021bion\u0103rii primei locuin\u021be;<\/li>\n<\/ul>\n<p><b>maxim 20%<\/b> \u00een cazul creditelor \u00een valut\u0103.<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-2 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:15px;--awb-padding-right:15px;--awb-padding-bottom:15px;--awb-padding-left:15px;--awb-margin-top:20px;--awb-margin-bottom:20px;--awb-background-color:var(--awb-color4);--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-center fusion-flex-content-wrap\" style=\"max-width:1144px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-1 fusion_builder_column_1_2 1_2 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:50%;--awb-margin-top-large:0px;--awb-spacing-right-large:3.84%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:3.84%;--awb-width-medium:50%;--awb-order-medium:0;--awb-spacing-right-medium:3.84%;--awb-spacing-left-medium:3.84%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-image-element\" style=\"--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><span class=\" fusion-imageframe imageframe-none imageframe-1 hover-type-none\"><img decoding=\"async\" width=\"940\" height=\"788\" alt=\"articol despre codebitorul la creditul ipotecar\" title=\"codebitorul-credit-ipotecar\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/codebitor-credit-ipotecar.jpg\" class=\"img-responsive wp-image-1124\" srcset=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/codebitor-credit-ipotecar-200x168.jpg 200w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/codebitor-credit-ipotecar-400x335.jpg 400w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/codebitor-credit-ipotecar-600x503.jpg 600w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/codebitor-credit-ipotecar-800x671.jpg 800w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/codebitor-credit-ipotecar.jpg 940w\" sizes=\"(max-width: 640px) 100vw, 600px\" \/><\/span><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-2 fusion_builder_column_1_2 1_2 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:50%;--awb-margin-top-large:0px;--awb-spacing-right-large:3.84%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:3.84%;--awb-width-medium:50%;--awb-order-medium:0;--awb-spacing-right-medium:3.84%;--awb-spacing-left-medium:3.84%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-1 fusion-sep-none fusion-title-text fusion-title-size-four\" style=\"--awb-text-color:#ffffff;--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:10px;--awb-margin-left-small:0px;--awb-font-size:30px;\"><h4 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;font-size:1em;--fontSize:30;line-height:var(--awb-typography1-line-height);\">Ai nevoie de un credit ipotecar?<\/h4><\/div><div class=\"fusion-text fusion-text-2\"><p style=\"color: #ffffff;\">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><div ><a class=\"fusion-button button-flat fusion-button-default-size button-custom fusion-button-default button-1 fusion-button-default-span fusion-button-default-type\" style=\"--button_accent_color:var(--awb-color1);--button_accent_hover_color:#000000;--button_border_hover_color:#000000;--button_gradient_top_color:#fe9900;--button_gradient_bottom_color:#fe9900;--button_gradient_top_color_hover:#ffffff;--button_gradient_bottom_color_hover:#ffffff;\" target=\"_blank\" rel=\"noopener noreferrer\" href=\"https:\/\/123credit.ro\/specialisti-credite#brokers\"><span class=\"fusion-button-text awb-button__text awb-button__text--default\">VEZI OFERTELE PENTRU CREDIT IPOTECAR<\/span><\/a><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-3 fusion-flex-container nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1144px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-3 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-blend:overlay;--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-3\"><h2 class=\"\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><span style=\"font-weight: 400;\">Cum se calculeaz\u0103 gradul de \u00eendatorare<\/span><\/h2>\n<p>De exemplu, dac\u0103 o persoan\u0103 pl\u0103te\u0219te lunar <b>1.500 de lei<\/b> pentru creditul s\u0103u ipotecar, <b>500 de lei<\/b> pentru plata creditului auto \u0219i \u00eenc\u0103 <b>500 de lei<\/b> pentru alte datorii r\u0103mase, atunci valoarea ratelor sale lunare se ridic\u0103 la<b> 2.500 de lei<\/b>.<\/p>\n<p>Dac\u0103 persoana respectiv\u0103 c\u00e2\u0219tig\u0103 6.000 de lei pe lun\u0103, atunci gradul de \u00eendatorare este de aproximativ <b>42%<\/b>.<\/p>\n<h2 class=\"\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><span style=\"font-weight: 400;\">Ce se \u00eent\u00e2mpl\u0103 dac\u0103 gradul de \u00eendatorare este prea mare<\/span><\/h2>\n<p>Dac\u0103 gradul t\u0103u de \u00eendatorare dep\u0103\u0219e\u0219te limita impus\u0103 de banc\u0103, \u0219ansele de a ob\u021bine un credit de nevoi personale scad semnificativ.<\/p>\n<p>B\u0103ncile sunt obligate s\u0103 se asigure c\u0103 \u00ee\u021bi po\u021bi gestiona datoriile f\u0103r\u0103 s\u0103 ajungi \u00eentr-o situa\u021bie de supra\u00eendatorare, ceea ce ar putea duce la <a style=\"color: var(--awb-color5);\" href=\"https:\/\/www.google.com\/url?q=https:\/\/123credit.ro\/blog\/cum-putem-evita-sa-ajungem-in-incapacitate-de-plata\/&amp;sa=D&amp;source=docs&amp;ust=1729169456910543&amp;usg=AOvVaw1PW4yo0_9rvXK8iT0rHq06\">incapacitate de plat\u0103<\/a> \u0219i, eventual, la executarea silit\u0103 a bunurilor.<\/p>\n<h2 class=\"\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><span style=\"font-weight: 400;\">Concluzii<\/span><\/h2>\n<p>Ob\u021binerea unui credit de nevoi personale poate fi o solu\u021bie rapid\u0103 pentru diverse cheltuieli, de la renov\u0103ri la consolidarea datoriilor. Totu\u0219i, aprobarea depinde de factori esen\u021biali, precum stabilitatea veniturilor, scorul de credit \u0219i gradul de \u00eendatorare.<\/p>\n<p>Pentru a-\u021bi cre\u0219te \u0219ansele de aprobare, asigur\u0103-te c\u0103 ai un scor de credit bun, documente preg\u0103tite \u0219i un grad de \u00eendatorare controlat. Compar\u0103 ofertele mai multor b\u0103nci \u0219i alege o perioad\u0103 de rambursare realist\u0103 pentru a ob\u021bine cele mai bune condi\u021bii.<\/p>\n<p>Dac\u0103 ai \u00eentreb\u0103ri legate de eligibilitatea ta sau nu e\u0219ti sigur care ofert\u0103 este cea mai bun\u0103 pentru tine, <a style=\"color: var(--awb-color5);\" href=\"https:\/\/123credit.ro\/specialisti-credite\">echipa noastr\u0103 de speciali\u0219ti \u00een creditare <\/a>este aici pentru a te ajuta.<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-4 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:0px;--awb-padding-right:0px;--awb-padding-bottom:0px;--awb-padding-left:0px;--awb-margin-top:40px;--awb-margin-bottom:40px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-stretch fusion-flex-justify-content-center fusion-flex-content-wrap\" style=\"max-width:1144px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-4 fusion_builder_column_1_1 1_1 fusion-flex-column fusion-column-inner-bg-wrapper notitles\" style=\"--awb-inner-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><span class=\"fusion-column-inner-bg hover-type-none\"><a class=\"fusion-column-anchor\" href=\"https:\/\/123credit.ro\/credit-nevoi-personale\"><span class=\"fusion-column-inner-bg-image\"><\/span><\/a><\/span><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-content-boxes content-boxes columns row fusion-columns-3 fusion-columns-total-3 fusion-content-boxes-1 content-boxes-icon-with-title content-left\" style=\"--awb-backgroundcolor:var(--awb-color3);--awb-body-color:var(--awb-color7);--awb-title-color:var(--awb-color5);--awb-iconcolor:var(--awb-color5);--awb-margin-top:0px;--awb-margin-bottom:0px;--awb-hover-accent-color:var(--awb-color4);--awb-circle-hover-accent-color:transparent;\" data-animationOffset=\"top-into-view\"><div style=\"--awb-backgroundcolor:var(--awb-color3);--awb-iconcolor:var(--awb-color5);\" class=\"fusion-column content-box-column content-box-column content-box-column-1 col-lg-4 col-md-4 col-sm-4 fusion-content-box-hover content-box-column-first-in-row\"><div class=\"col content-box-wrapper content-wrapper-background link-area-box link-type-button icon-hover-animation-fade fusion-animated\" data-link=\"https:\/\/123credit.ro\/specialisti-credite\" data-link-target=\"_blank\" data-animationType=\"fadeInDown\" data-animationDuration=\"0.3\" data-animationOffset=\"top-into-view\"><div class=\"heading heading-with-icon icon-left\"><a class=\"heading-link\" style=\"float:left;\" href=\"https:\/\/123credit.ro\/specialisti-credite\" target=\"_blank\" rel=\"noopener noreferrer\"><div class=\"icon\"><i style=\"background-color:transparent;border-color:transparent;height:auto;width: 20px;line-height:normal;font-size:20px;\" aria-hidden=\"true\" class=\"fontawesome-icon fa-hand-holding-usd fas circle-no\"><\/i><\/div><h3 class=\"content-box-heading fusion-responsive-typography-calculated\" style=\"--h3_typography-font-size:24px;--fontSize:24;line-height:var(--awb-typography1-line-height);\">Ai nevoie de p\u0103rerea unui specialist \u00een credite?<\/h3><\/a><\/div><div class=\"fusion-clearfix\"><\/div><div class=\"content-container\">\n<p>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 class=\"fusion-clearfix\"><\/div><a class=\"fusion-read-more-button fusion-content-box-button fusion-button button-default fusion-button-default-size button- button-flat\" style=\"float:left;\" href=\"https:\/\/123credit.ro\/specialisti-credite\" target=\"_blank\" rel=\"noopener noreferrer\"><span class=\"fusion-button-text\">Consult\u0103 un specialist<\/span><\/a><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div style=\"--awb-backgroundcolor:var(--awb-color3);--awb-iconcolor:var(--awb-color5);\" class=\"fusion-column content-box-column content-box-column content-box-column-2 col-lg-4 col-md-4 col-sm-4 fusion-content-box-hover \"><div class=\"col content-box-wrapper content-wrapper-background link-area-box link-type-button icon-hover-animation-fade fusion-animated\" data-link=\"https:\/\/123credit.ro\/calculator-imprumut\" data-link-target=\"_blank\" data-animationType=\"fadeInDown\" data-animationDuration=\"0.3\" data-animationOffset=\"top-into-view\"><div class=\"heading heading-with-icon icon-left\"><a class=\"heading-link\" style=\"float:left;\" href=\"https:\/\/123credit.ro\/calculator-imprumut\" target=\"_blank\" rel=\"noopener noreferrer\"><div class=\"icon\"><i style=\"background-color:transparent;border-color:transparent;height:auto;width: 20px;line-height:normal;font-size:20px;\" aria-hidden=\"true\" class=\"fontawesome-icon fa-warehouse fas circle-no\"><\/i><\/div><h3 class=\"content-box-heading fusion-responsive-typography-calculated\" style=\"--h3_typography-font-size:24px;--fontSize:24;line-height:var(--awb-typography1-line-height);\">Vrei s\u0103 afli c\u00e2t po\u021bi s\u0103 \u00eemprumu\u021bi? <\/h3><\/a><\/div><div class=\"fusion-clearfix\"><\/div><div class=\"content-container\">\n<p>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 class=\"fusion-clearfix\"><\/div><a class=\"fusion-read-more-button fusion-content-box-button fusion-button button-default fusion-button-default-size button- button-flat\" style=\"float:left;\" href=\"https:\/\/123credit.ro\/calculator-imprumut\" target=\"_blank\" rel=\"noopener noreferrer\"><span class=\"fusion-button-text\">C\u00e2t pot s\u0103 \u00eemprumut<\/span><\/a><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div style=\"--awb-backgroundcolor:var(--awb-color3);--awb-iconcolor:var(--awb-color5);\" class=\"fusion-column content-box-column content-box-column content-box-column-3 col-lg-4 col-md-4 col-sm-4 fusion-content-box-hover content-box-column-last content-box-column-last-in-row\"><div class=\"col content-box-wrapper content-wrapper-background link-area-box link-type-button icon-hover-animation-fade fusion-animated\" data-link=\"https:\/\/123credit.ro\/refinantare-credit-ipotecar\" data-link-target=\"_blank\" data-animationType=\"fadeInDown\" data-animationDuration=\"0.3\" data-animationOffset=\"top-into-view\"><div class=\"heading heading-with-icon icon-left\"><a class=\"heading-link\" style=\"float:left;\" href=\"https:\/\/123credit.ro\/refinantare-credit-ipotecar\" target=\"_blank\" rel=\"noopener noreferrer\"><div class=\"icon\"><i style=\"background-color:transparent;border-color:transparent;height:auto;width: 20px;line-height:normal;font-size:20px;\" aria-hidden=\"true\" class=\"fontawesome-icon fa-hand-holding-usd fas circle-no\"><\/i><\/div><h3 class=\"content-box-heading fusion-responsive-typography-calculated\" style=\"--h3_typography-font-size:24px;--fontSize:24;line-height:var(--awb-typography1-line-height);\">Ai nevoie de refinantare pentru creditul t\u0103u?<\/h3><\/a><\/div><div class=\"fusion-clearfix\"><\/div><div class=\"content-container\">\n<p>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 class=\"fusion-clearfix\"><\/div><a class=\"fusion-read-more-button fusion-content-box-button fusion-button button-default fusion-button-default-size button- button-flat\" style=\"float:left;\" href=\"https:\/\/123credit.ro\/refinantare-credit-ipotecar\" target=\"_blank\" rel=\"noopener noreferrer\"><span class=\"fusion-button-text\">Refinan\u021beaz\u0103 rapid<\/span><\/a><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-5 fusion-flex-container nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1144px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-5 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-blend:overlay;--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-4\"><h2 class=\"\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><b>\u00centreb\u0103ri frecvente<\/b><\/h2>\n<ol>\n<li><b> Care este venitul minim necesar pentru a ob\u021bine un credit de nevoi personale?<\/b><\/li>\n<\/ol>\n<p>Venitul minim necesar variaz\u0103 de la o banc\u0103 la alta, dar, \u00een general, majoritatea b\u0103ncilor cer ca venitul net lunar s\u0103 fie suficient pentru a acoperi rata lunar\u0103 f\u0103r\u0103 a dep\u0103\u0219i gradul maxim de \u00eendatorare, care este de aproximativ 40-45% din venitul lunar. De regul\u0103, b\u0103ncile solicit\u0103 un venit de cel pu\u021bin 2.000 &#8211; 2.500 RON, dar acest prag poate fi diferit \u00een func\u021bie de banc\u0103 \u0219i suma creditului.<\/p>\n<ol start=\"2\">\n<li><b> Pot ob\u021bine un credit de nevoi personale dac\u0103 am un istoric negativ?<\/b><\/li>\n<\/ol>\n<p>Dac\u0103 ai avut \u00eent\u00e2rzieri la pl\u0103\u021bi sau datorii nepl\u0103tite, acestea vor afecta scorul t\u0103u de credit \u0219i \u0219ansele de aprobare a unui nou \u00eemprumut. Unele b\u0103nci pot aproba credite pentru persoane cu un istoric de credit mai pu\u021bin favorabil, dar este posibil s\u0103 impun\u0103 dob\u00e2nzi mai mari sau condi\u021bii mai stricte.<\/p>\n<ol start=\"3\">\n<li><b>Ce documente sunt necesare pentru un credit de nevoi personale?<\/b><\/li>\n<\/ol>\n<p>Cele mai frecvente documente solicitate includ actul de identitate, adeverin\u021ba de venit sau flutura\u0219ul de salariu \u0219i extrasul de cont pentru ultimele luni. Unele b\u0103nci pot solicita \u0219i contractul de munc\u0103 sau o declara\u021bie ANAF. Dac\u0103 ai venituri suplimentare (chirii, freelancing), vei avea nevoie de documente care s\u0103 le dovedeasc\u0103.<\/p>\n<ol start=\"4\">\n<li><b>Pot rambursa anticipat creditul de nevoi personale f\u0103r\u0103 penaliz\u0103ri?<\/b><\/li>\n<\/ol>\n<p>Da, \u00een cele mai multe cazuri, po\u021bi rambursa anticipat creditul, dar unele b\u0103nci pot percepe un comision de rambursare anticipat\u0103. \u00ce\u021bi recomand\u0103m s\u0103 verifici contractul de credit \u0219i s\u0103 discu\u021bi cu banca pentru a \u00een\u021belege exact termenii \u0219i condi\u021biile aplicabile \u00een cazul ramburs\u0103rii anticipate.<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-6 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-sizes-top:1;--awb-border-sizes-bottom:1;--awb-border-sizes-left:1;--awb-border-sizes-right:1;--awb-border-color:var(--awb-color3);--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:20px;--awb-padding-right:20px;--awb-padding-bottom:20px;--awb-padding-left:20px;--awb-flex-wrap:wrap;--awb-box-shadow: 0px 0px ;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1144px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-6 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-2 fusion-sep-none fusion-title-center fusion-title-text fusion-title-size-four\" style=\"--awb-margin-bottom:0px;--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:10px;--awb-margin-left-small:0px;--awb-font-size:28px;\"><h4 class=\"fusion-title-heading title-heading-center fusion-responsive-typography-calculated\" style=\"margin:0;font-size:1em;--fontSize:28;line-height:var(--awb-typography1-line-height);\"><p><span style=\"font-weight: normal;\">Alege din cele<\/span> <span style=\"color: var(--awb-color4);\">150+<\/span><span style=\"font-weight: normal;\"> de oferte de la <\/span><span style=\"color: var(--awb-color4);\">20+<\/span><span style=\"font-weight: normal;\"> institu\u021bii<br \/>\nfinanciare partenere:<\/span><\/p><\/h4><\/div><div class=\"fusion-image-carousel fusion-image-carousel-fixed fusion-image-carousel-1\"><div class=\"awb-carousel awb-swiper awb-swiper-carousel awb-carousel--carousel awb-swiper-dots-position-bottom\" data-layout=\"carousel\" data-autoplay=\"no\" data-autoplayspeed=\"2500\" data-autoplaypause=\"no\" data-loop=\"yes\" data-columns=\"5\" data-columnsmedium=\"1\" data-columnssmall=\"1\" data-itemmargin=\"0\" data-itemwidth=\"180\" data-touchscroll=\"no\" data-freemode=\"no\" data-imagesize=\"fixed\" data-scrollitems=\"0\" data-centeredslides=\"no\" data-rotationangle=\"50\" data-depth=\"100\" data-speed=\"500\" data-shadow=\"no\" data-pagination=\"bullets\" style=\"--awb-column-spacing:0px;\"><div class=\"swiper-wrapper awb-image-carousel-wrapper fusion-flex-align-items-center\"><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"166\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-simplu-credit2.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"198\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-speedfinanciar.jpg\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"157\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-tbi-v2.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"198\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-unicredit-consumer-finance.jpg\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"152\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-unicredit.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"166\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-viva.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"152\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-alphabank.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"152\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-bcr-2023.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"300\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-banca-ro.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" srcset=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-banca-ro-200x41.png 200w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-banca-ro.png 300w\" sizes=\"(min-width: 2200px) 100vw, (min-width: 928px) 220px, (min-width: 856px) 275px, (min-width: 784px) 367px, (min-width: 712px) 550px, (min-width: 640px) 712px, \" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"152\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-brd.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"166\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-bt.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"61\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-ca.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" 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class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"222\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-creditprime.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" srcset=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-creditprime-200x55.png 200w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-creditprime.png 222w\" sizes=\"(min-width: 2200px) 100vw, (min-width: 928px) 220px, (min-width: 856px) 275px, (min-width: 784px) 367px, (min-width: 712px) 550px, (min-width: 640px) 712px, \" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"166\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-credius.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" 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550px, (min-width: 640px) 712px, \" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"222\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-ferratum-2.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" srcset=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-ferratum-2-200x55.png 200w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-ferratum-2.png 222w\" sizes=\"(min-width: 2200px) 100vw, (min-width: 928px) 220px, (min-width: 856px) 275px, (min-width: 784px) 367px, (min-width: 712px) 550px, (min-width: 640px) 712px, \" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"152\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-firstbank.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"222\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-garanti.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" srcset=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-garanti-200x55.png 200w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-garanti.png 222w\" sizes=\"(min-width: 2200px) 100vw, (min-width: 928px) 220px, (min-width: 856px) 275px, (min-width: 784px) 367px, (min-width: 712px) 550px, (min-width: 640px) 712px, \" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"222\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-happycredit.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" srcset=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-happycredit-200x55.png 200w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-happycredit.png 222w\" sizes=\"(min-width: 2200px) 100vw, (min-width: 928px) 220px, (min-width: 856px) 275px, (min-width: 784px) 367px, (min-width: 712px) 550px, (min-width: 640px) 712px, \" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"152\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-icredit.jpg\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"110\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-ing.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"267\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-libra.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" srcset=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-libra-200x46.png 200w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-libra.png 267w\" sizes=\"(min-width: 2200px) 100vw, (min-width: 928px) 220px, (min-width: 856px) 275px, (min-width: 784px) 367px, (min-width: 712px) 550px, (min-width: 640px) 712px, \" 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size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"222\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-patria.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" srcset=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-patria-200x55.png 200w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-patria.png 222w\" sizes=\"(min-width: 2200px) 100vw, (min-width: 928px) 220px, (min-width: 856px) 275px, (min-width: 784px) 367px, (min-width: 712px) 550px, (min-width: 640px) 712px, \" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"222\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-raiffeisen.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" srcset=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-raiffeisen-200x55.png 200w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-raiffeisen.png 222w\" sizes=\"(min-width: 2200px) 100vw, (min-width: 928px) 220px, (min-width: 856px) 275px, (min-width: 784px) 367px, (min-width: 712px) 550px, (min-width: 640px) 712px, \" \/><\/div><\/div><\/div><\/div><div class=\"awb-swiper-button awb-swiper-button-prev\"><i class=\"awb-icon-angle-left\" aria-hidden=\"true\"><\/i><\/div><div class=\"awb-swiper-button awb-swiper-button-next\"><i class=\"awb-icon-angle-right\" aria-hidden=\"true\"><\/i><\/div><\/div><\/div><div style=\"text-align:center;\"><a class=\"fusion-button button-flat fusion-button-default-size button-default fusion-button-default button-2 fusion-button-default-span fusion-button-default-type\" style=\"--awb-margin-top:0px;--awb-margin-bottom:0px;\" target=\"_self\" href=\"https:\/\/123credit.ro\"><span class=\"fusion-button-text awb-button__text awb-button__text--default\">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":"<p><span class=\"span-reading-time rt-reading-time\" style=\"display: block;\"><span class=\"rt-label rt-prefix\">Timpul estimat pentru citire: <\/span> <span class=\"rt-time\"> 11<\/span> <span class=\"rt-label 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