{"id":2074,"date":"2024-10-23T14:32:33","date_gmt":"2024-10-23T11:32:33","guid":{"rendered":"https:\/\/123credit.ro\/blog\/?p=2074"},"modified":"2024-11-06T11:45:58","modified_gmt":"2024-11-06T09:45:58","slug":"preluare-credit-ipotecar","status":"publish","type":"post","link":"https:\/\/123credit.ro\/blog\/preluare-credit-ipotecar\/","title":{"rendered":"Preluare credit ipotecar: Tot ce trebuie sa stii"},"content":{"rendered":"Timpul estimat pentru citire: <\/span> 8<\/span> minute<\/span><\/span>

\u00cen pia\u021ba imobiliar\u0103, \u00eent\u00e2lnim tot mai multe situa\u021bii \u00een care v\u00e2nz\u0103torul unui imobil are un credit ipotecar \u0219i vinde imobilul ipotecat cuiva care, la r\u00e2ndul s\u0103u, dore\u0219te s\u0103 contracteze un credit ipotecar. Din fericire, acest lucru este posibil, dar necesit\u0103 o bun\u0103 informare de ambele p\u0103r\u021bi, mai mult\u0103 r\u0103bdare \u0219i unele costuri suplimentare.<\/span><\/h2>\n

Ce este preluarea unui credit ipotecar?<\/h2>\n

Pe scurt, preluarea unui credit ipotecar se aseam\u0103n\u0103 unei refinan\u021b\u0103ri<\/a>, dar este \u00eenso\u021bit\u0103 \u0219i de un transfer de proprietate. A prelua un credit nu \u00eenseamn\u0103 c\u0103 cineva ia locul debitorului \u00een contractul de credit, ci \u00eenseamn\u0103 c\u0103 acel credit va fi \u00eenchis prin creditul contractat de cump\u0103r\u0103tor, fie de la aceea\u0219i banc\u0103, fie de la o alt\u0103 banc\u0103.<\/p>\n

Aceast\u0103 practic\u0103 este \u00eent\u00e2lnit\u0103 \u0219i \u00een situa\u021biile \u00een care so\u021bul \u0219i so\u021bia decid s\u0103 divor\u021beze, iar instan\u021ba oblig\u0103 una dintre p\u0103r\u021bi la plata unei sulte. \u00cen caz contrar, imobilul va fi v\u00e2ndut, iar suma rezultat\u0103 va fi \u00eemp\u0103r\u021bit\u0103 \u00eentre cele dou\u0103 p\u0103r\u021bi, conform dispozi\u021biilor instan\u021bei.<\/p>\n

Pa\u0219ii pentru preluarea unui credit ipotecar<\/h2>\n
    \n
  1. Discu\u021bia preliminar\u0103 cu banca: Este necesar ca banca de la care se ia creditul ipotecar de c\u0103tre cump\u0103r\u0103tor s\u0103 \u0219tie situa\u021bia \u0219i s\u0103 \u00eei poat\u0103 explica acestuia care vor fi pa\u0219ii ce urmeaz\u0103 a fi parcur\u0219i.<\/li>\n
  2. Depunerea cererii de credit: La fel ca \u00een cazul oric\u0103rui credit ipotecar, clientului i se preaproba o sum\u0103 conform cererii \u0219i posibilit\u0103\u021bilor acestuia, \u00een func\u021bie de venituri \u0219i posibilele datorii pe care le mai are.<\/li>\n
  3. Evaluarea imobilului<\/a>: Este acela\u0219i proces pe care \u00eel \u00eent\u00e2lnim la creditele ipotecare obi\u0219nuite, evaluarea trebuind s\u0103 corespund\u0103 cerin\u021belor b\u0103ncii finan\u021batoare.<\/li>\n
  4. Trimiterea unei adrese c\u0103tre banca care de\u021bine ipoteca: Transferul unei ipoteci nu se poate face dec\u00e2t cu acordul b\u0103ncii care are ipoteca asupra propriet\u0103\u021bii. Banca v\u00e2nz\u0103torului trebuie s\u0103 comunice b\u0103ncii cump\u0103r\u0103torului acordul pentru ipoteca de rang subsecvent.<\/li>\n
  5. Aprobarea final\u0103: Dup\u0103 trimiterea raportului de evaluare de c\u0103tre evaluator, ob\u021binerea preaprob\u0103rii financiare, avizarea actelor imobilului \u0219i ob\u021binerea acordului b\u0103ncii v\u00e2nz\u0103torului, consilierul de credite va trimite dosarul spre aprobarea final\u0103.<\/li>\n
  6. Semnarea contractului de credit: Banca finan\u021batoare va vira, dup\u0103 semnare, suma necesar\u0103 \u00eencheierii creditului prin ordin de plat\u0103 condi\u021bionat, iar diferen\u021ba de bani va merge \u00een contul v\u00e2nz\u0103torului. Dup\u0103 stingerea creditului la banca corespondent\u0103, banca cump\u0103r\u0103torului va cere radierea ipotecii b\u0103ncii v\u00e2nz\u0103torului \u0219i instituirea ipotecii de rang 1 \u00een favoarea sa.<\/li>\n<\/ol>\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>

    Avantajele prelu\u0103rii unui credit ipotecar<\/span><\/h3>\n

    1. Dob\u00e2nd\u0103 Favorabil\u0103: Dac\u0103 creditul original a fost contractat la o dob\u00e2nd\u0103 mai mic\u0103 dec\u00e2t cea disponibil\u0103 \u00een prezent pe pia\u021b\u0103, preluarea acestuia poate fi o oportunitate excelent\u0103 pentru a ob\u021bine o rat\u0103 a dob\u00e2nzii mai bun\u0103.<\/p>\n

    2. Simplificarea Procesului de Achizi\u021bie: Preluarea creditului poate facilita procesul de achizi\u021bie al unei propriet\u0103\u021bi, deoarece nu va trebui s\u0103 aplici pentru un nou credit, ceea ce poate dura mai mult.<\/p>\n

    3. Evitarea Cheltuielilor Adi\u021bionale: Preluarea unui credit existent poate ajuta la evitarea costurilor asociate cu ob\u021binerea unui nou credit, cum ar fi evaluarea propriet\u0103\u021bii sau comisioanele de administrare.<\/p>\n

    Dezavantajele prelu\u0103rii unui credit ipotecar<\/h3>\n

    1. Evaluarea Riguroas\u0103: B\u0103ncile pot aplica criterii stricte la evaluarea solicit\u0103rii de preluare, iar dac\u0103 nu \u00eendepline\u0219ti toate condi\u021biile, cererea ta poate fi respins\u0103.<\/p>\n

    2. Riscul Datoriilor Ascunse: \u00cenainte de a prelua un credit, asigur\u0103-te c\u0103 ai toate informa\u021biile despre datoriile existente ale cedentului. Este posibil ca acesta s\u0103 aib\u0103 restan\u021be sau penalit\u0103\u021bi care vor afecta preluarea.<\/p>\n

    3. Posibile Costuri Suplimentare: De\u0219i preluarea unui credit poate p\u0103rea o solu\u021bie mai ieftin\u0103, este posibil s\u0103 existe costuri ascunse asociate cu acest proces, cum ar fi taxele legale sau costurile de evaluare.<\/p>\n

    Concluzie<\/h3>\n

    Preluarea unui credit ipotecar poate fi o op\u021biune avantajoas\u0103 pentru cei care doresc s\u0103 achizi\u021bioneze o proprietate f\u0103r\u0103 a trece printr-un proces complicat de creditare. Cu toate acestea, este esen\u021bial s\u0103 fii bine informat despre pa\u0219ii implica\u021bi \u0219i s\u0103 \u00een\u021belegi at\u00e2t avantajele, c\u00e2t \u0219i dezavantajele acestei solu\u021bii. Colaborarea str\u00e2ns\u0103 cu institu\u021biile financiare \u0219i o evaluare atent\u0103 a situa\u021biei financiare sunt esen\u021biale pentru a naviga cu succes prin acest proces.<\/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

    1) Se poate prelua un credit acordat prin programul Prima Casa?<\/b><\/p>\n

    Da. Acest lucru este posibil. Diferen\u021ba fa\u021b\u0103 de creditele ipotecare normale este aceea c\u0103 este necesar un acord de \u00eenstr\u0103inare din aprea Fondului de Garantare. Ob\u021binerea acorului poate dura \u0219i dou\u0103 luni.<\/p>\n

     <\/p>\n

    2) Este posibil s\u0103 se schimbe contractantul la poli\u021bele de asigurare \u00een cazul prelu\u0103rii creditului?<\/b><\/p>\n

    \u00cen cazul refinan\u021b\u0103rilor este posibil\u0103 schimbarea b\u0103ncii \u00een favoarea c\u0103reia este cesionat\u0103 poli\u021ba, \u00eens\u0103 nu este posibil\u0103 schimbarea contractantului poli\u021bei.<\/p>\n

     <\/p>\n

    3) Se poate ca banca s\u0103 accepte raportul de evaluare folosit de v\u00e2nz\u0103tor atunci c\u00e2nd a cump\u0103rat imobilul prin credit ipotecar?<\/b><\/p>\n

    Acest lucru nu este posibil din mai multe motive, chiar dac\u0103 vorbim de acela\u0219i imobil.<\/p>\n

    Cu toate acestea sunt b\u0103nci care ofer\u0103 evaluare gratuita pentru imobilul finan\u021bat, ceea ce reduce mult costul creditului.<\/p>\n

     <\/p>\n

    4) Conteaz\u0103 dac\u0103 v\u00e2nz\u0103torul are \u00eent\u00e2rz\u00e2ieri curente la creditul s\u0103u?<\/b><\/p>\n

    Depinde de valoarea acestora, dar este posibil ca banca sa s\u0103 cear\u0103 ca v\u00e2nz\u0103torul s\u0103 revin\u0103 la zi cu daotoriile \u00eenainte ca banca s\u0103 emit\u0103 adresa de refinan\u021bare \u0219i acord pentru ipotec\u0103 de rang subsecvent.<\/p>\n

     <\/p>\n

    5) C\u00e2t timp dureaz\u0103 eliberarea unui acord din partea b\u0103ncii v\u00e2nz\u0103torului?<\/b><\/p>\n

    \u00cen general, durate este de maxim dou\u0103 s\u0103pt\u0103m\u00e2ni chiar dac\u0103 banca \u00ee\u0219i aloc\u0103 o marj\u0103 de 30 de zile.<\/p>\n<\/div><\/div><\/div><\/div><\/div>

    Hai pe 123credit.ro \u0219i ia-\u021bi creditul potrivit pentru tine.<\/h5><\/div>
    Vreau credit!<\/span><\/a><\/div><\/div><\/div><\/div><\/div><\/p>\n","protected":false},"excerpt":{"rendered":"

    Timpul estimat pentru citire: <\/span> 8<\/span> minute<\/span><\/span><\/p>\n","protected":false},"author":14,"featured_media":2076,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1,54,223,53],"tags":[],"class_list":["post-2074","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":"\nPreluare credit ipotecar: Tot ce trebuie sa stii - Blogul 123Credit<\/title>\n<meta name=\"description\" content=\"Afl\u0103 tot ce trebuie s\u0103 \u0219tii despre preluare credit ipotecar: pa\u0219ii de urmat, avantaje \u0219i dezavantaje. \u00cen\u021belege cum po\u021bi facilita achizi\u021bia unei propriet\u0103\u021bi \u0219i ce riscuri trebuie s\u0103 evi\u021bi.\" \/>\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\/preluare-credit-ipotecar\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Preluare credit ipotecar: Tot ce trebuie sa stii - 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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. 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