{"id":2032,"date":"2024-10-22T13:44:05","date_gmt":"2024-10-22T10:44:05","guid":{"rendered":"https:\/\/123credit.ro\/blog\/?p=2032"},"modified":"2024-11-07T14:54:56","modified_gmt":"2024-11-07T12:54:56","slug":"conditii-girant-credit-ipotecar","status":"publish","type":"post","link":"https:\/\/123credit.ro\/blog\/conditii-girant-credit-ipotecar\/","title":{"rendered":"Condi\u021bii girant credit ipotecar"},"content":{"rendered":"Timpul estimat pentru citire: <\/span> 9<\/span> minute<\/span><\/span>

\u00cen vederea acord\u0103rii unui credit ipotecar<\/a>, girantul poate avea un rol esen\u021bial.<\/p>\n

\u00cen acest articol vom descoperi care sunt condi\u021biile cerute de b\u0103nci, ce \u00eenseamn\u0103 a fi girant \u0219i care sunt responsabilit\u0103\u021bile acestuia.<\/p>\n

Ce este un girant?<\/span><\/h2>\n

Girantul este acea persoan\u0103 care \u00ee\u0219i asum\u0103 angajamentul ca, \u00een cazul \u00een care solicitantul creditului nu poate achita rata lunar\u0103, s\u0103 achite rata sau soldul creditului \u00een contul datoriei. Este foarte important s\u0103 distingem \u00eentre termeni. B\u0103ncile pot folosi termeni diferi\u021bi pentru situa\u021bii diferite.<\/p>\n

Pentru banc\u0103, girantul poate fi o persoan\u0103 care \u00ee\u0219i d\u0103 acordul s\u0103 achite datoria \u00een contul solicitantului. Multe cooperative de credit acord\u0103 \u00eemprumuturi la dob\u00e2nzi mai bune \u0219i \u00een condi\u021bii mai u\u0219oare dac\u0103 clientul aduce un num\u0103r de giran\u021bi. Ace\u0219tia pot fi supu\u0219i acelora\u0219i condi\u021bii de eligibilitate ca \u0219i solicitantul sau nu. Astfel, se poate \u021bine cont de venitul lor la analiza dosarului sau nu.<\/span><\/p>\n

O categorie special\u0103 de girant este girantul ipotecar; b\u0103ncile folosesc termenul de garant ipotecar. Acesta gireaz\u0103 cu imobilul aflat \u00een proprietate pentru creditul solicitat. De asemenea, dac\u0103 solicitantul este c\u0103s\u0103torit \u0219i nu exist\u0103 separa\u021bie de bunuri, banca va solicita automat ca partenerul de via\u021b\u0103 s\u0103 fie cel pu\u021bin garant ipotecar, chiar dac\u0103 veniturile acestuia nu se vor lua \u00een calcul.<\/span><\/p>\n

Codebitor sau copl\u0103titor<\/span><\/h3>\n

Codebitorul<\/a> sau copl\u0103titorul este acel girant care contribuie cu venitul la analiza dosarului. Se \u021bine cont de venitul s\u0103u \u00een analiza dosarului, dar \u0219i de datoriile acestuia. \u00cen general, acesta trebuie s\u0103 \u00eendeplineasc\u0103 acelea\u0219i condi\u021bii de eligibilitate ca \u0219i solicitantul principal.<\/p>\n

Fidejusor<\/span><\/h3>\n

Conform defini\u021biei, fidejusorul este acela care garanteaz\u0103 personal, cu toate bunurile sale, \u00eendeplinirea obliga\u021biilor contractuale pe care le are solicitantul. De cele mai multe ori, de exemplu, \u00eent\u00e2lnim necesitatea fidejusiunii la creditele pe firm\u0103, c\u00e2nd banca cere ca proprietarul firmei s\u0103 garanteze \u0219i personal pentru datoria companiei.<\/p>\n

\u00cen cele ce urmeaz\u0103, vom vorbi despre ce \u00eenseamn\u0103 a fi girant at\u00e2t sub forma unui codebitor, c\u00e2t \u0219i doar ca garant la credit. \u00cen acest scop, vom folosi unitar termenul de girant.<\/p>\n

Condi\u021bii pentru a devenit girant<\/span><\/h2>\n

Pentru a putea deveni girant al unui credit ipotecar, trebuie s\u0103 \u00eendepline\u0219ti c\u00e2teva condi\u021bii:
\n<\/span><\/p>\n

1. V\u00e2rsta<\/h3>\n

A\u0219a cum precizam, girantul la creditul ipotecar trebuie s\u0103 \u00eendeplineasc\u0103 acelea\u0219i condi\u021bii ca \u0219i solicitantul. \u00cen medie, v\u00e2rsta trebuie s\u0103 fie cuprins\u0103 \u00eentre 18 \u0219i 65 de ani \u00een cazul b\u0103rba\u021bilor, respectiv 63 \u00een cazul femeilor. V\u00e2rsta acceptat\u0103 poate fi de 70 de ani, dar b\u0103ncile vor lua doar jum\u0103tate din venitul persoanei a c\u0103rei v\u00e2rst\u0103 se \u021bine cont, \u00een cazul \u00een care venitul nu este pensia.<\/p>\n

2. Stabilitate financiar\u0103<\/h3>\n

Veniturile girantului sunt importante deoarece vor contribui la cre\u0219terea sumei acordate, acesta fiind principalul motiv pentru care la dosarele de credit se aduc giran\u021bi. Unele b\u0103nci accept\u0103 un anumit tip de venit doar \u00een cazul giran\u021bilor. De exemplu, indemniza\u021bia de cre\u0219tere a copilului este acceptat\u0103 de foarte multe b\u0103nci doar pentru girant, nu \u0219i pentru solicitant. De asemenea, \u00een cazul veniturilor din str\u0103in\u0103tate, existen\u021ba unui codebitor cu venituri din Rom\u00e2nia ajut\u0103 la reducerea avansului solicitat de la 40% la 15%, respectiv 25%.<\/p>\n

3. Istoricul de creditare<\/h3>\n

Este bine de \u0219tiut c\u0103, \u00een cazul \u00een care se va \u021bine cont de veniturile girantului la creditul ipotecar, se va \u021bine cont \u0219i de datoriile \u0219i istoricul de creditare al acestuia. Majoritatea b\u0103ncilor vor \u021bine cont de datoriile partenerului de via\u021b\u0103, chiar dac\u0103 acesta nu va participa cu veniturile la credit.<\/p>\n

4. Documenta\u021bia necesar\u0103<\/h3>\n

\u00cen func\u021bie de tipul de venit \u0219i de calitatea girantului, banca \u00eei va cere documentele specifice. De exemplu, dac\u0103 va garanta cu un imobil \u00een contul datoriei solicitantului, banca va cere \u00eentreaga documenta\u021bie a imobilului. \u00cen cazul \u00een care vorbim \u0219i de venit, banca va solicita documentele specifice tipului de venit pe care acesta \u00eel are.<\/p>\n

5. Gradul de rudenie:<\/h3>\n

\u00cen marea majoritate a cazurilor, b\u0103ncile accept\u0103 girantul doar dac\u0103 \u00eentre acesta \u0219i solicitant exist\u0103 un grad de rudenie. Acest lucru se datoreaz\u0103 faptului c\u0103 riscul pe care \u0219i-l asum\u0103 banca este mai mic dac\u0103 datoria este \u00een familie. O categorie special\u0103 de giran\u021bi este aceea a persoanelor care nu particip\u0103 cu veniturile la aprobarea creditului \u0219i nici nu au statutul de so\u021b sau so\u021bie, dar au un aport la cump\u0103rarea imobilului. De regul\u0103, vorbim de membri apropia\u021bi din familie, p\u0103rin\u021bi sau fra\u021bi, care cump\u0103r\u0103 \u00eempreun\u0103 cu solicitantul imobilul.<\/p>\n

 <\/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

A deveni girant pentru un credit ipotecar este o decizie important\u0103 care vine cu responsabilit\u0103\u021bi semnificative. Este esen\u021bial ca poten\u021bialii giran\u021bi s\u0103 \u00een\u021beleag\u0103 condi\u021biile necesare \u0219i rolurile pe care le pot \u00eendeplini, fie c\u0103 sunt giran\u021bi, codebitori sau fidejuori. \u00cen\u021belegerea acestor aspecte nu doar c\u0103 faciliteaz\u0103 accesul la credit, dar ajut\u0103 \u0219i la men\u021binerea unor rela\u021bii s\u0103n\u0103toase \u00eentre girant \u0219i solicitant. Astfel, giran\u021bii pot contribui la realizarea visului de a avea o locuin\u021b\u0103, sprijinind solicitantul \u00eentr-un mod responsabil.<\/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. Exist\u0103 situa\u021bii \u00een care girantului nu i se aplic\u0103 acelea\u0219i cerin\u021be precum solicitantului principal?<\/b><\/li>\n<\/ol>\n

    Da. De exemplu, se poate ca la un dosar de credit banca s\u0103 cear\u0103 ca venitul solicitantului s\u0103 aib\u0103 o anumit\u0103 valoare iar dac\u0103 se aduce un girant, acesta s\u0103 poat\u0103 avea un venit mai mic.<\/p>\n

      \n
    1. Este posibil ca v\u00e2rsta girantului s\u0103 nu afecteze durata creditului chiar dac\u0103 dep\u0103\u0219e\u0219te conform normei?<\/b><\/li>\n<\/ol>\n

      \u00cen sistemul bancar exist\u0103 aceast\u0103 situa\u021bie dar regula general\u0103 prevede ca banca s\u0103 \u021bin\u0103 cont de v\u00e2rsta ambilor participan\u021bi la credit.<\/p>\n

        \n
      1. C\u00e2\u021bi codebitori pot fi la un dosar de credit?<\/b><\/li>\n<\/ol>\n

        Acest lucru difer\u0103 de la o banc\u0103 la alta, dar exist\u0103 b\u0103nci care accepta p\u00e2n\u0103 la trei codebitori.<\/p>\n

          \n
        1. Se poate refinan\u021ba un credit al girantului?<\/b><\/li>\n<\/ol>\n

          Da, se poate contracta un credit prin care creditul care se refinan\u021beaz\u0103 s\u0103 fie un credit la care girantul este solicitant principal.<\/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>

          \"\"<\/div><\/div><\/div>
          \"\"<\/div><\/div><\/div>
          \"\"<\/div><\/div><\/div>
          \"\"<\/div><\/div><\/div>
          \"\"<\/div><\/div><\/div>
          \"\"<\/div><\/div><\/div>
          \"\"<\/div><\/div><\/div>
          \"\"<\/div><\/div><\/div>
          \"\"<\/div><\/div><\/div>
          \"\"<\/div><\/div><\/div>
          \"\"<\/div><\/div><\/div>
          \"\"<\/div><\/div><\/div>
          \"\"<\/div><\/div><\/div>
          \"\"<\/div><\/div><\/div>
          \"\"<\/div><\/div><\/div>
          \"\"<\/div><\/div><\/div>
          \"\"<\/div><\/div><\/div>
          \"\"<\/div><\/div><\/div>
          \"\"<\/div><\/div><\/div>
          \"\"<\/div><\/div><\/div>
          \"\"<\/div><\/div><\/div>
          \"\"<\/div><\/div><\/div>
          \"\"<\/div><\/div><\/div>
          \"\"<\/div><\/div><\/div>
          \"\"<\/div><\/div><\/div>
          \"\"<\/div><\/div><\/div>
          \"\"<\/div><\/div><\/div>
          \"\"<\/div><\/div><\/div>
          \"\"<\/div><\/div><\/div>
          \"\"<\/div><\/div><\/div>
          \"\"<\/div><\/div><\/div>
          \"\"<\/div><\/div><\/div><\/div>
          <\/i><\/div>
          <\/i><\/div><\/div><\/div>
          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":2033,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1,54,223,53],"tags":[],"class_list":["post-2032","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-cum-alegi-credit-ipotecar","category-credit-ipotecar","category-credite-ipotecare","category-bine-de-stiut"],"yoast_head":"\nCondi\u021bii girant credit ipotecar - Blogul 123Credit<\/title>\n<meta name=\"description\" content=\"Afl\u0103 ce \u00eenseamn\u0103 s\u0103 fii girant pentru un credit ipotecar, care sunt condi\u021biile necesare \u0219i responsabilit\u0103\u021bile asociate. Descoper\u0103 distinc\u021biile \u00eentre girant, codebitor \u0219i fidejusor.\" \/>\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\/conditii-girant-credit-ipotecar\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Condi\u021bii girant credit ipotecar - Blogul 123Credit\" \/>\n<meta property=\"og:description\" content=\"Afl\u0103 ce \u00eenseamn\u0103 s\u0103 fii girant pentru un credit ipotecar, care sunt condi\u021biile necesare \u0219i responsabilit\u0103\u021bile asociate. Descoper\u0103 distinc\u021biile \u00eentre girant, codebitor \u0219i fidejusor.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/123credit.ro\/blog\/conditii-girant-credit-ipotecar\/\" \/>\n<meta property=\"og:site_name\" content=\"Blogul 123Credit\" \/>\n<meta property=\"article:published_time\" content=\"2024-10-22T10:44:05+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-11-07T12:54:56+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/10\/Propuneri-vizualuri-Blog-6.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"940\" \/>\n\t<meta property=\"og:image:height\" content=\"788\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"C\u0103t\u0103lin Fetea\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Scris de\" \/>\n\t<meta name=\"twitter:data1\" content=\"C\u0103t\u0103lin Fetea\" \/>\n\t<meta name=\"twitter:label2\" content=\"Timp estimat pentru citire\" \/>\n\t<meta name=\"twitter:data2\" content=\"12 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/conditii-girant-credit-ipotecar\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/conditii-girant-credit-ipotecar\\\/\"},\"author\":{\"name\":\"C\u0103t\u0103lin Fetea\",\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/#\\\/schema\\\/person\\\/bfcb4236ba2de73f6201feecd8332ea9\"},\"headline\":\"Condi\u021bii girant credit ipotecar\",\"datePublished\":\"2024-10-22T10:44:05+00:00\",\"dateModified\":\"2024-11-07T12:54:56+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/conditii-girant-credit-ipotecar\\\/\"},\"wordCount\":4275,\"commentCount\":1,\"image\":{\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/conditii-girant-credit-ipotecar\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/wp-content\\\/uploads\\\/2024\\\/10\\\/Propuneri-vizualuri-Blog-6.jpg\",\"articleSection\":[\"Blogul 123Credit te ajuta sa alegi cel mai bun credit ipotecar\",\"Credit Ipotecar\",\"Credite ipotecare\",\"Informatii bine de stiut inainte sa aplici pentru un credit ipotecar\"],\"inLanguage\":\"ro-RO\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/123credit.ro\\\/blog\\\/conditii-girant-credit-ipotecar\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/conditii-girant-credit-ipotecar\\\/\",\"url\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/conditii-girant-credit-ipotecar\\\/\",\"name\":\"Condi\u021bii girant credit ipotecar - Blogul 123Credit\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/conditii-girant-credit-ipotecar\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/conditii-girant-credit-ipotecar\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/wp-content\\\/uploads\\\/2024\\\/10\\\/Propuneri-vizualuri-Blog-6.jpg\",\"datePublished\":\"2024-10-22T10:44:05+00:00\",\"dateModified\":\"2024-11-07T12:54:56+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/#\\\/schema\\\/person\\\/bfcb4236ba2de73f6201feecd8332ea9\"},\"description\":\"Afl\u0103 ce \u00eenseamn\u0103 s\u0103 fii girant pentru un credit ipotecar, care sunt condi\u021biile necesare \u0219i responsabilit\u0103\u021bile asociate. Descoper\u0103 distinc\u021biile \u00eentre girant, codebitor \u0219i fidejusor.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/conditii-girant-credit-ipotecar\\\/#breadcrumb\"},\"inLanguage\":\"ro-RO\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/123credit.ro\\\/blog\\\/conditii-girant-credit-ipotecar\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"ro-RO\",\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/conditii-girant-credit-ipotecar\\\/#primaryimage\",\"url\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/wp-content\\\/uploads\\\/2024\\\/10\\\/Propuneri-vizualuri-Blog-6.jpg\",\"contentUrl\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/wp-content\\\/uploads\\\/2024\\\/10\\\/Propuneri-vizualuri-Blog-6.jpg\",\"width\":940,\"height\":788},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/conditii-girant-credit-ipotecar\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Condi\u021bii girant credit ipotecar\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/#website\",\"url\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/\",\"name\":\"Blogul 123Credit\",\"description\":\"Blogul 123Credit iti ofera toate informatiile de care ai nevoie cand aplici pentru un credit ipotecar\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"ro-RO\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/#\\\/schema\\\/person\\\/bfcb4236ba2de73f6201feecd8332ea9\",\"name\":\"C\u0103t\u0103lin Fetea\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"ro-RO\",\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/wp-content\\\/uploads\\\/2024\\\/09\\\/WhatsApp-Image-2024-09-12-at-16.57.42-96x96.jpeg\",\"url\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/wp-content\\\/uploads\\\/2024\\\/09\\\/WhatsApp-Image-2024-09-12-at-16.57.42-96x96.jpeg\",\"contentUrl\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/wp-content\\\/uploads\\\/2024\\\/09\\\/WhatsApp-Image-2024-09-12-at-16.57.42-96x96.jpeg\",\"caption\":\"C\u0103t\u0103lin Fetea\"},\"description\":\"Lucrez \u00een domeniul credit\u0103rii din 2007. Scopul meu este s\u0103 ajut c\u00e2t mai mul\u021bi oameni s\u0103 se mute \u00een c\u0103minul dorit, s\u0103-\u0219i imbun\u0103t\u0103\u021beasc\u0103 via\u021ba \u0219i s\u0103 aib\u0103 pe cineva cu care s\u0103 se consulte atunci c\u00e2nd au nevoie de informa\u021bii sau primesc informatii contradictorii. Urm\u0103resc nu doar cea mai bun\u0103 ofert\u0103 pentru client ci \u0219i u\u0219urarea interac\u021biunii clientului cu banca \u0219i nu numai. Nu este un domeniu u\u0219or, dar recompensa\u00a0este\u00a0pe\u00a0m\u0103sur\u0103.\",\"url\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/author\\\/catalin_fetea\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Condi\u021bii girant credit ipotecar - Blogul 123Credit","description":"Afl\u0103 ce \u00eenseamn\u0103 s\u0103 fii girant pentru un credit ipotecar, care sunt condi\u021biile necesare \u0219i responsabilit\u0103\u021bile asociate. Descoper\u0103 distinc\u021biile \u00eentre girant, codebitor \u0219i fidejusor.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/123credit.ro\/blog\/conditii-girant-credit-ipotecar\/","og_locale":"ro_RO","og_type":"article","og_title":"Condi\u021bii girant credit ipotecar - Blogul 123Credit","og_description":"Afl\u0103 ce \u00eenseamn\u0103 s\u0103 fii girant pentru un credit ipotecar, care sunt condi\u021biile necesare \u0219i responsabilit\u0103\u021bile asociate. Descoper\u0103 distinc\u021biile \u00eentre girant, codebitor \u0219i fidejusor.","og_url":"https:\/\/123credit.ro\/blog\/conditii-girant-credit-ipotecar\/","og_site_name":"Blogul 123Credit","article_published_time":"2024-10-22T10:44:05+00:00","article_modified_time":"2024-11-07T12:54:56+00:00","og_image":[{"width":940,"height":788,"url":"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/10\/Propuneri-vizualuri-Blog-6.jpg","type":"image\/jpeg"}],"author":"C\u0103t\u0103lin Fetea","twitter_card":"summary_large_image","twitter_misc":{"Scris de":"C\u0103t\u0103lin Fetea","Timp estimat pentru citire":"12 minute"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/123credit.ro\/blog\/conditii-girant-credit-ipotecar\/#article","isPartOf":{"@id":"https:\/\/123credit.ro\/blog\/conditii-girant-credit-ipotecar\/"},"author":{"name":"C\u0103t\u0103lin Fetea","@id":"https:\/\/123credit.ro\/blog\/#\/schema\/person\/bfcb4236ba2de73f6201feecd8332ea9"},"headline":"Condi\u021bii girant credit ipotecar","datePublished":"2024-10-22T10:44:05+00:00","dateModified":"2024-11-07T12:54:56+00:00","mainEntityOfPage":{"@id":"https:\/\/123credit.ro\/blog\/conditii-girant-credit-ipotecar\/"},"wordCount":4275,"commentCount":1,"image":{"@id":"https:\/\/123credit.ro\/blog\/conditii-girant-credit-ipotecar\/#primaryimage"},"thumbnailUrl":"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/10\/Propuneri-vizualuri-Blog-6.jpg","articleSection":["Blogul 123Credit te ajuta sa alegi cel mai bun credit ipotecar","Credit Ipotecar","Credite ipotecare","Informatii bine de stiut inainte sa aplici pentru un credit ipotecar"],"inLanguage":"ro-RO","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/123credit.ro\/blog\/conditii-girant-credit-ipotecar\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/123credit.ro\/blog\/conditii-girant-credit-ipotecar\/","url":"https:\/\/123credit.ro\/blog\/conditii-girant-credit-ipotecar\/","name":"Condi\u021bii girant credit ipotecar - Blogul 123Credit","isPartOf":{"@id":"https:\/\/123credit.ro\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/123credit.ro\/blog\/conditii-girant-credit-ipotecar\/#primaryimage"},"image":{"@id":"https:\/\/123credit.ro\/blog\/conditii-girant-credit-ipotecar\/#primaryimage"},"thumbnailUrl":"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/10\/Propuneri-vizualuri-Blog-6.jpg","datePublished":"2024-10-22T10:44:05+00:00","dateModified":"2024-11-07T12:54:56+00:00","author":{"@id":"https:\/\/123credit.ro\/blog\/#\/schema\/person\/bfcb4236ba2de73f6201feecd8332ea9"},"description":"Afl\u0103 ce \u00eenseamn\u0103 s\u0103 fii girant pentru un credit ipotecar, care sunt condi\u021biile necesare \u0219i responsabilit\u0103\u021bile asociate. Descoper\u0103 distinc\u021biile \u00eentre girant, codebitor \u0219i fidejusor.","breadcrumb":{"@id":"https:\/\/123credit.ro\/blog\/conditii-girant-credit-ipotecar\/#breadcrumb"},"inLanguage":"ro-RO","potentialAction":[{"@type":"ReadAction","target":["https:\/\/123credit.ro\/blog\/conditii-girant-credit-ipotecar\/"]}]},{"@type":"ImageObject","inLanguage":"ro-RO","@id":"https:\/\/123credit.ro\/blog\/conditii-girant-credit-ipotecar\/#primaryimage","url":"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/10\/Propuneri-vizualuri-Blog-6.jpg","contentUrl":"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/10\/Propuneri-vizualuri-Blog-6.jpg","width":940,"height":788},{"@type":"BreadcrumbList","@id":"https:\/\/123credit.ro\/blog\/conditii-girant-credit-ipotecar\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/123credit.ro\/blog\/"},{"@type":"ListItem","position":2,"name":"Condi\u021bii girant credit ipotecar"}]},{"@type":"WebSite","@id":"https:\/\/123credit.ro\/blog\/#website","url":"https:\/\/123credit.ro\/blog\/","name":"Blogul 123Credit","description":"Blogul 123Credit iti ofera toate informatiile de care ai nevoie cand aplici pentru un credit ipotecar","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/123credit.ro\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"ro-RO"},{"@type":"Person","@id":"https:\/\/123credit.ro\/blog\/#\/schema\/person\/bfcb4236ba2de73f6201feecd8332ea9","name":"C\u0103t\u0103lin Fetea","image":{"@type":"ImageObject","inLanguage":"ro-RO","@id":"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/09\/WhatsApp-Image-2024-09-12-at-16.57.42-96x96.jpeg","url":"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/09\/WhatsApp-Image-2024-09-12-at-16.57.42-96x96.jpeg","contentUrl":"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/09\/WhatsApp-Image-2024-09-12-at-16.57.42-96x96.jpeg","caption":"C\u0103t\u0103lin Fetea"},"description":"Lucrez \u00een domeniul credit\u0103rii din 2007. Scopul meu este s\u0103 ajut c\u00e2t mai mul\u021bi oameni s\u0103 se mute \u00een c\u0103minul dorit, s\u0103-\u0219i imbun\u0103t\u0103\u021beasc\u0103 via\u021ba \u0219i s\u0103 aib\u0103 pe cineva cu care s\u0103 se consulte atunci c\u00e2nd au nevoie de informa\u021bii sau primesc informatii contradictorii. Urm\u0103resc nu doar cea mai bun\u0103 ofert\u0103 pentru client ci \u0219i u\u0219urarea interac\u021biunii clientului cu banca \u0219i nu numai. Nu este un domeniu u\u0219or, dar recompensa\u00a0este\u00a0pe\u00a0m\u0103sur\u0103.","url":"https:\/\/123credit.ro\/blog\/author\/catalin_fetea\/"}]}},"_links":{"self":[{"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/posts\/2032","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/users\/14"}],"replies":[{"embeddable":true,"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/comments?post=2032"}],"version-history":[{"count":2,"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/posts\/2032\/revisions"}],"predecessor-version":[{"id":2038,"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/posts\/2032\/revisions\/2038"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/media\/2033"}],"wp:attachment":[{"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/media?parent=2032"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/categories?post=2032"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/tags?post=2032"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}