{"id":2253,"date":"2024-11-20T17:04:35","date_gmt":"2024-11-20T15:04:35","guid":{"rendered":"https:\/\/123credit.ro\/blog\/?p=2253"},"modified":"2024-11-20T17:04:49","modified_gmt":"2024-11-20T15:04:49","slug":"acte-necesare-cumparare-apartament-credit-ipotecar","status":"publish","type":"post","link":"https:\/\/123credit.ro\/blog\/acte-necesare-cumparare-apartament-credit-ipotecar\/","title":{"rendered":"Acte necesare cump\u0103rare apartament – Credit ipotecar"},"content":{"rendered":"Timpul estimat pentru citire: <\/span> 8<\/span> minute<\/span><\/span>

Cumpararea unui apartament printr-un credit ipotecar poate fi un proces destul de complicat, mai ales pentru cei care nu au mai trecut prin etapele acestuia. Aprobarea unui dosar de credit ipotecar implic\u0103 mai multe departamente, persoane \u0219i documente. \u00cen acest articol vom analiza actele necesare pentru aprobarea unui astfel de dosar.<\/p>\n

Ce este un credit ipotecar?<\/span><\/h2>\n

Un credit ipotecar este un \u00eemprumut acordat pentru achizi\u021bionarea unui imobil sau a unui teren destinat construc\u021biei. Acesta se acord\u0103 pe perioade mai lungi, iar suma este virat\u0103 direct \u00een contul v\u00e2nz\u0103torului. Banca instituie o ipotec\u0103 asupra imobilului finan\u021bat, p\u00e2n\u0103 la rambursarea integral\u0103 a creditului.<\/p>\n

Acte necesare pentru cump\u0103rarea unui apartament prin credit ipotecar de la cump\u0103r\u0103tor<\/p>\n

Pentru a accesa un credit ipotecar, cump\u0103r\u0103torul trebuie s\u0103 furnizeze b\u0103ncii o serie de documente. Acestea pot varia u\u0219or de la o banc\u0103 la alta. Documentele de baz\u0103 includ:<\/p>\n

a. Documente personale<\/h4>\n

Carte de identitate <\/b>\u2013 Originalul este necesar.<\/p>\n

Certificat de c\u0103s\u0103torie<\/b> (dac\u0103 este cazul) sau certificat de divor\u021b \u2013 Este necesar pentru a stabili situa\u021bia juridic\u0103 a solicitantului.<\/p>\n

Permis de \u0219edere <\/b>(pentru cet\u0103\u021benii str\u0103ini) \u2013 Dac\u0103 solicitantul nu este cet\u0103\u021bean rom\u00e2n.<\/p>\n

b. Documente privind veniturile<\/h4>\n

Adeverin\u021b\u0103 de venit<\/b> \u2013 Cerut\u0103 \u00een cazuri specifice (ex. angaja\u021bi MAI\/MAPN, \u0219oferi de tir sau persoane cu venituri din str\u0103in\u0103tate).<\/p>\n

Extras de cont bancar<\/b> \u2013 Pentru cei care primesc indemniza\u021bii de cre\u0219tere a copilului sau pensii.<\/p>\n

Contract individual de munc\u0103 <\/b>\u2013 Cerut \u00een cazul fluctua\u021biilor sau schimb\u0103rilor de venituri.<\/p>\n

Declara\u021bie fiscal\u0103<\/b> \u2013 Pentru freelanceri, PFA-uri sau alte categorii de venituri independente.<\/p>\n

c. Documente suplimentare<\/h4>\n

Acordul so\u021bului\/so\u021biei \u2013 \u00cen cazul \u00een care solicitantul este c\u0103s\u0103torit, este nevoie de acordul partenerului de via\u021b\u0103.<\/p>\n

<\/h2>\n

Acte necesare pentru cump\u0103rarea unui apartament prin credit ipotecar cerute v\u00e2nz\u0103torului<\/h3>\n

Verificarea documenta\u021biei propriet\u0103\u021bii este esen\u021bial\u0103. Documentele necesare includ:<\/p>\n

a. Acte de proprietate<\/h4>\n

Contractul de v\u00e2nzare-cump\u0103rare <\/b>\u2013 Certific\u0103 dreptul de proprietate al v\u00e2nz\u0103torului.<\/p>\n

Certificat de mo\u0219tenitor <\/b>\u2013 Dac\u0103 apartamentul a fost ob\u021binut prin mo\u0219tenire.<\/p>\n

Hot\u0103r\u00e2re judec\u0103toreasc\u0103 definitiv\u0103 <\/b>\u2013 Dac\u0103 proprietatea a fost dob\u00e2ndit\u0103 printr-o decizie judec\u0103toreasc\u0103.<\/p>\n

Contract de schimb<\/b> \u2013 \u00cen cazul unui imobil dob\u00e2ndit prin schimb.<\/p>\n

Contract de dona\u021bie<\/b> \u2013 Se poate solicita \u0219i certificatul de deces al donatorului, dac\u0103 este cazul.<\/p>\n

b. Extras de carte funciar\u0103<\/h4>\n

Document emis de OCPI care certific\u0103 situa\u021bia juridic\u0103 a imobilului \u0219i absen\u021ba litigiilor sau sarcinilor.<\/p>\n

c. Certificat energetic<\/h4>\n

Document obligatoriu \u00een Rom\u00e2nia, care ofer\u0103 informa\u021bii despre eficien\u021ba energetic\u0103 a apartamentului.<\/p>\n

d. Dovada achit\u0103rii taxelor \u0219i impozitelor<\/h4>\n

Certificat fiscal emis de prim\u0103rie, care atest\u0103 plata taxelor locale.<\/p>\n

e. Adeverin\u021ba de la asocia\u021bia de locatari<\/h4>\n

Solicitat\u0103 dac\u0103 imobilul este un apartament.<\/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>

Acte necesare la notar<\/h3>\n

Pentru finalizarea tranzac\u021biei la notar, sunt necesare:<\/p>\n

Actul de identitate al cump\u0103r\u0103torului \u0219i al v\u00e2nz\u0103torului<\/b> \u2013 \u00cen original.<\/p>\n

Contractul de v\u00e2nzare-cump\u0103rare<\/b> \u2013 Dou\u0103 exemplare semnate de ambele p\u0103r\u021bi.<\/p>\n

Certificat fiscal \u2013<\/b> De la v\u00e2nz\u0103tor.<\/p>\n

Extras de carte funciar\u0103 <\/b>pentru autentificare \u2013 Valabil 30 zile de la emitere.<\/p>\n

Procura notarial\u0103 <\/b>\u2013 Dac\u0103 una dintre p\u0103r\u021bi nu poate fi prezent\u0103.<\/p>\n

Acte suplimentare solicitate de banc\u0103<\/h3>\n

Raport de evaluare al apartamentului <\/b>\u2013 Realizat de un evaluator autorizat agreat de banc\u0103.<\/p>\n

Asigurarea locuin\u021bei<\/b> \u2013 Obligatori\u0103 pentru creditele ipotecare.<\/p>\n

Acorduri sau avize suplimentare<\/b> \u2013 \u00cen func\u021bie de specificul creditului \u0219i al imobilului.<\/p>\n

Costuri implicate \u00een procesul de achizi\u021bie<\/h3>\n

Achizi\u021bia unui apartament cu credit ipotecar implic\u0103 urm\u0103toarele costuri:<\/p>\n

Taxa de evaluare a imobilului<\/b> \u2013 Aproximativ 500-750 lei.<\/p>\n

Onorariul notarial<\/b> \u2013 Calculat procentual, \u00een func\u021bie de valoarea tranzac\u021biei.<\/p>\n

Taxa de \u00eenregistrare \u00een Cartea Funciar\u0103<\/b> \u2013 Difer\u0103 \u00een func\u021bie de imobil.<\/p>\n

Poli\u021ba de asigurare <\/b>\u2013 Cost variabil, \u00een func\u021bie de valoarea propriet\u0103\u021bii.<\/p>\n

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

Cump\u0103rarea unui apartament cu credit ipotecar necesit\u0103 o bun\u0103 organizare \u0219i preg\u0103tirea corect\u0103 a documentelor. De la verificarea documenta\u021biei personale \u0219i a propriet\u0103\u021bii, p\u00e2n\u0103 la respectarea cerin\u021belor notariale \u0219i ale b\u0103ncii, fiecare pas este crucial pentru finalizarea cu succes a tranzac\u021biei<\/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. Ce este un credit ipotecar?<\/b><\/li>\n<\/ol>\n

    Un credit ipotecar este un \u00eemprumut acordat pentru achizi\u021bionarea unui imobil sau teren, cu o perioad\u0103 lung\u0103 de rambursare. Banca instituie o ipotec\u0103 asupra propriet\u0103\u021bii p\u00e2n\u0103 la rambursarea integral\u0103 a creditului.<\/p>\n

      \n
    1. Ce documente personale sunt necesare pentru cump\u0103r\u0103tor?<\/b><\/li>\n<\/ol>\n

      Cump\u0103r\u0103torul trebuie s\u0103 prezinte cartea de identitate, certificat de c\u0103s\u0103torie\/divor\u021b (dac\u0103 este cazul) \u0219i permisul de \u0219edere pentru cet\u0103\u021benii str\u0103ini. Aceste documente sunt esen\u021biale pentru aprobarea dosarului de credit ipotecar.<\/p>\n

        \n
      1. Ce documente privind veniturile sunt solicitate de banc\u0103?<\/b><\/li>\n<\/ol>\n

        Banca poate solicita adeverin\u021b\u0103 de venit, extras de cont bancar, contract individual de munc\u0103 \u0219i declara\u021bie fiscal\u0103 pentru PFA-uri sau freelanceri. Documentele verific\u0103 stabilitatea \u0219i sursele veniturilor solicitantului.<\/p>\n

          \n
        1. Care sunt actele necesare pentru apartamentul achizi\u021bionat?<\/b><\/li>\n<\/ol>\n

          Documentele includ contractul de v\u00e2nzare-cump\u0103rare, extras de carte funciar\u0103, certificat energetic, certificat fiscal \u0219i, \u00een cazul apartamentelor, adeverin\u021ba de la asocia\u021bia de locatari, care atest\u0103 situa\u021bia financiar\u0103 a imobilului.<\/p>\n

            \n
          1. Ce acte sunt necesare pentru finalizarea tranzac\u021biei la notar?<\/b><\/li>\n<\/ol>\n

            Sunt necesare actele de identitate ale p\u0103r\u021bilor, contractul de v\u00e2nzare-cump\u0103rare, certificatul fiscal al v\u00e2nz\u0103torului, extrasul de carte funciar\u0103 pentru autentificare \u0219i, dac\u0103 este cazul, procura notarial\u0103 pentru reprezentare.<\/p>\n

              \n
            1. Ce costuri implic\u0103 achizi\u021bia unui apartament cu credit ipotecar?<\/b><\/li>\n<\/ol>\n

              Costurile includ taxa de evaluare a imobilului (aproximativ 500-750 lei), onorariul notarial, taxa de \u00eenregistrare \u00een Cartea Funciar\u0103 \u0219i poli\u021ba de asigurare. Acestea pot varia \u00een func\u021bie de banc\u0103 \u0219i imobil.<\/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> 8<\/span> minute<\/span><\/span><\/p>\n","protected":false},"author":14,"featured_media":2254,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[52,54,223,17],"tags":[58],"class_list":["post-2253","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-vocea-brokerului","category-credit-ipotecar","category-credite-ipotecare","category-legislatie","tag-acte-necesare-cumparare-apartament-credit-ipotecar"],"yoast_head":"\nActe necesare cump\u0103rare apartament - Credit ipotecar - Blogul 123Credit<\/title>\n<meta name=\"description\" content=\"Descoper\u0103 lista complet\u0103 a actelor necesare pentru cump\u0103rarea unui apartament prin credit ipotecar. 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