{"id":2273,"date":"2024-11-26T16:18:55","date_gmt":"2024-11-26T14:18:55","guid":{"rendered":"https:\/\/123credit.ro\/blog\/?p=2273"},"modified":"2024-11-26T16:19:01","modified_gmt":"2024-11-26T14:19:01","slug":"refinantare-credite-cu-intarzieri","status":"publish","type":"post","link":"https:\/\/123credit.ro\/blog\/refinantare-credite-cu-intarzieri\/","title":{"rendered":"Refinan\u021bare credite cu \u00eent\u00e2rzieri"},"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\"> 8<\/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>Odat\u0103 cu apari\u021bia \u00eent\u00e2rzierilor la un credit, gestionarea pl\u0103\u021bilor devine din ce \u00een ce mai dificil\u0103, pe m\u0103sur\u0103 ce restan\u021bele \u0219i penalit\u0103\u021bile se acumuleaz\u0103. Dificult\u0103\u021bile financiare pot ap\u0103rea pe nea\u0219teptate. Fie c\u0103 vorbim despre pierderea unui loc de munc\u0103, o \u00eemboln\u0103vire sau alte urgen\u021be, exist\u0103 c\u00e2teva solu\u021bii pentru a u\u0219ura povara financiar\u0103. \u00cen acest articol, vom discuta despre una dintre aceste solu\u021bii: refinan\u021barea creditelor cu \u00eent\u00e2rzieri, cum func\u021bioneaz\u0103, care sunt pa\u0219ii necesari, avantajele \u0219i riscurile implicate.<\/p>\n<h2 class=\"\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><span style=\"font-weight: 400;\">Ce \u00eenseamn\u0103 refinan\u021barea unui credit?<\/span><\/h2>\n<p><a style=\"color: var(--awb-color5);\" href=\"https:\/\/123credit.ro\/blog\/ce-inseamna-refinantarea\/\">Refinan\u021barea unui credit<\/a> presupune contractarea unui credit nou pentru a stinge datoria aferent\u0103 unui credit mai vechi. Noul credit poate avea o dob\u00e2nd\u0103 mai mic\u0103, o perioad\u0103 de rambursare mai mare sau ambele. Scopul refinan\u021b\u0103rii este reducerea poverii financiare sau suplimentarea sumei datorate.<\/p>\n<p>Refinan\u021barea este disponibil\u0103 at\u00e2t pentru creditele standard (de nevoi personale, ipotecare etc.), c\u00e2t \u0219i pentru cele cu \u00eent\u00e2rzieri la plat\u0103. Totu\u0219i, \u00een cazul \u00eent\u00e2rzierilor, procesul este mai complex, iar aprobarea depinde de istoricul de credit \u0219i gradul actual de \u00eendatorare.<\/p>\n<h3 class=\"\" style=\"--fontsize: 26; line-height: 1.2;\" data-fontsize=\"26\" data-lineheight=\"31.2px\"><span style=\"font-weight: 400;\">Este posibil\u0103 refinan\u021barea unui credit cu \u00eent\u00e2rzieri?<\/span><\/h3>\n<p>Da, refinan\u021barea este posibil\u0103 chiar \u0219i \u00een cazul \u00een care exist\u0103 \u00eent\u00e2rzieri la plata creditelor. Totu\u0219i, aceasta depinde de doi factori:<\/p>\n<h4>1. Situa\u021bia financiar\u0103 actual\u0103<\/h4>\n<p>B\u0103ncile analizeaz\u0103 veniturile \u0219i cheltuielile clientului pentru a se asigura c\u0103 acesta poate sus\u021bine plata ratelor \u00een viitor.<\/p>\n<h4>2. Istoricul la Biroul de Credit<\/h4>\n<p>Dac\u0103 \u00eent\u00e2rzierile sunt mari \u0219i recente, institu\u021biile financiare pot fi reticente. IFN-urile pot oferi solu\u021bii \u00een astfel de situa\u021bii, dar cu dob\u00e2nzi mai mari sau cerin\u021be suplimentare, cum ar fi garan\u021bii, codebitori sau giran\u021bi.<\/p>\n<h2 class=\"\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><span style=\"font-weight: 400;\">Cum func\u021bioneaz\u0103 refinan\u021barea pentru creditele cu \u00eent\u00e2rzieri?<\/span><\/h2>\n<p>Procesul de refinan\u021bare pentru persoanele cu \u00eent\u00e2rzieri implic\u0103 mai multe etape:<\/p>\n<h3>1. Analiza situa\u021biei financiare<\/h3>\n<p>Identificarea institu\u021biilor financiare care ofer\u0103 produse potrivite pentru situa\u021bia personal\u0103.<\/p>\n<h3>2. Verificarea istoricului de credit<\/h3>\n<p>B\u0103ncile verific\u0103 frecven\u021ba \u0219i durata \u00eent\u00e2rzierilor, motivele acestora \u0219i eventualele dovezi ale stingerii datoriilor restante.<\/p>\n<h3>3. C\u0103utarea unei institu\u021bii financiare potrivite<\/h3>\n<p>Nu toate b\u0103ncile sau IFN-urile ofer\u0103 refinan\u021bare pentru creditele cu \u00eent\u00e2rzieri, deci este important s\u0103 g\u0103sim o institu\u021bie dispus\u0103 s\u0103 analizeze astfel de cereri.<\/p>\n<h3>4. \u00cenchiderea creditelor existente<\/h3>\n<p>Noul credit este utilizat pentru a achita datoriile curente, inclusiv penalit\u0103\u021bile acumulate, consolid\u00e2nd astfel toate datoriile \u00eentr-o singur\u0103 plat\u0103.<\/p>\n<h2 class=\"\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><span style=\"font-weight: 400;\">Avantajele refinan\u021b\u0103rii creditelor cu \u00eent\u00e2rzieri<\/span><\/h2>\n<ul>\n<li>Reducerea ratei lunare<\/li>\n<\/ul>\n<p>Permite un control mai bun al bugetului, reduc\u00e2nd presiunea financiar\u0103.<\/p>\n<ul>\n<li>Simplificarea gestion\u0103rii datoriilor<\/li>\n<\/ul>\n<p>Toate datoriile sunt consolidate \u00eentr-o singur\u0103 rat\u0103, u\u0219ur\u00e2nd gestionarea pl\u0103\u021bilor.<\/p>\n<ul>\n<li>Eliminarea penalit\u0103\u021bilor<\/li>\n<\/ul>\n<p>Refinan\u021barea poate \u0219terge penalit\u0103\u021bile acumulate, cresc\u00e2nd \u0219ansele clientului de a reveni la zi cu pl\u0103\u021bile.<\/p>\n<ul>\n<li>\u00cembun\u0103t\u0103\u021birea fluxului financiar<\/li>\n<\/ul>\n<p>Reducerea ratei lunare \u0219i eliminarea penalit\u0103\u021bilor las\u0103 mai mult spa\u021biu \u00een buget pentru alte cheltuieli.<\/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;\">Riscurile asociate refinan\u021b\u0103rii creditelor cu \u00eent\u00e2rzieri<\/span><\/h2>\n<p><b>Costuri suplimentare &#8211; <\/b><span style=\"background-color: rgba(255, 255, 255, 0); color: var(--body_typography-color); font-family: var(--body_typography-font-family); font-size: var(--body_typography-font-size); font-style: var(--body_typography-font-style,normal); font-weight: var(--body_typography-font-weight); letter-spacing: var(--body_typography-letter-spacing);\">Refinan\u021barea implic\u0103 comisioane de acordare, administrare sau transfer, care pot fi semnificative.<\/span><\/p>\n<p><b>Dob\u00e2nzi mai mari &#8211; <\/b><span style=\"background-color: rgba(255, 255, 255, 0); color: var(--body_typography-color); font-family: var(--body_typography-font-family); font-size: var(--body_typography-font-size); font-style: var(--body_typography-font-style,normal); font-weight: var(--body_typography-font-weight); letter-spacing: var(--body_typography-letter-spacing);\">Creditele cu \u00eent\u00e2rzieri sunt considerate mai riscante, ceea ce duce la aplicarea unor dob\u00e2nzi mai ridicate.<\/span><\/p>\n<p><b>Risc de neeligibilitate &#8211; <\/b><span style=\"background-color: rgba(255, 255, 255, 0); color: var(--body_typography-color); font-family: var(--body_typography-font-family); font-size: var(--body_typography-font-size); font-style: var(--body_typography-font-style,normal); font-weight: var(--body_typography-font-weight); letter-spacing: var(--body_typography-letter-spacing);\">Istoricul financiar \u0219i gradul de \u00eendatorare pot duce la refuzul cererii de refinan\u021bare.<\/span><\/p>\n<p><b>Prelungirea perioadei de rambursare &#8211; <\/b><span style=\"background-color: rgba(255, 255, 255, 0); color: var(--body_typography-color); font-family: var(--body_typography-font-family); font-size: var(--body_typography-font-size); font-style: var(--body_typography-font-style,normal); font-weight: var(--body_typography-font-weight); letter-spacing: var(--body_typography-letter-spacing);\">O perioad\u0103 de rambursare mai lung\u0103 \u00eenseamn\u0103 o sum\u0103 total\u0103 rambursat\u0103 mai mare.<\/span><\/p>\n<h2 class=\"\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><span style=\"font-weight: 400;\">Cum s\u0103-\u021bi cre\u0219ti \u0219ansele de aprobare pentru refinan\u021bare?<\/span><\/h2>\n<h3>1. Achit\u0103 \u00eent\u00e2rzierile minore<\/h3>\n<p>Eliminarea restan\u021belor mai mici \u00eembun\u0103t\u0103\u021be\u0219te scorul de credit.<\/p>\n<h3>2. Prezint\u0103 garan\u021bii suplimentare<\/h3>\n<p>O garan\u021bie, precum o ipotec\u0103, poate cre\u0219te \u0219ansele de aprobare.<\/p>\n<h3>3. Implic\u0103 un codebitor<\/h3>\n<p>Un <a style=\"color: var(--awb-color5);\" href=\"https:\/\/123credit.ro\/blog\/vrei-sa-fii-codebitorul-meu-la-credit\/\">codebitor<\/a> cu un istoric bun de credit poate influen\u021ba decizia b\u0103ncii \u00een favoarea ta.<\/p>\n<h3>4. Apeleaz\u0103 la consiliere financiar\u0103<\/h3>\n<p><a style=\"color: var(--awb-color5);\" href=\"https:\/\/123credit.ro\/specialisti-credite\">Un broker de credite<\/a> te poate ghida spre institu\u021biile financiare potrivite \u0219i \u00ee\u021bi poate spori \u0219ansele de aprobare. <span style=\"color: var(--awb-color5);\"><a style=\"color: var(--awb-color5);\" href=\"https:\/\/123credit.ro\/specialisti-credite\">Speciali\u0219tii no\u0219tri<\/a><\/span> sunt preg\u0103ti\u021bi s\u0103 \u00ee\u021bi fie al\u0103turi c\u00e2nd te hot\u0103r\u0103\u0219ti s\u0103 refinan\u021bezi.<\/p>\n<h2 class=\"\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><span style=\"font-weight: 400;\">Concluzie<\/span><\/h2>\n<p>Refinan\u021barea creditelor cu \u00eent\u00e2rzieri este o solu\u021bie viabil\u0103 pentru reducerea poverii financiare, dar implic\u0103 at\u00e2t avantaje, c\u00e2t \u0219i riscuri. Este esen\u021bial s\u0103 \u00een\u021belegi cerin\u021bele \u0219i s\u0103 preg\u0103te\u0219ti documentele necesare pentru a cre\u0219te \u0219ansele de aprobare.<\/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>Cum influen\u021beaz\u0103 scorul FICO refinan\u021barea creditelor cu \u00eent\u00e2rzieri?<\/b><\/li>\n<\/ol>\n<p><a style=\"color: var(--awb-color5);\" href=\"https:\/\/123credit.ro\/blog\/scorul-fico-ce-este-si-de-ce-este-important\/\">Scorul FICO <\/a>reflect\u0103 istoricul t\u0103u de plat\u0103 \u0219i poate influen\u021ba dob\u00e2nda noului credit sau eligibilitatea refinan\u021b\u0103rii.<\/p>\n<ol start=\"2\">\n<li><b>Pot refinan\u021ba un credit cu \u00eent\u00e2rzieri dac\u0103 sunt raportat la Biroul de Credit?<\/b><\/li>\n<\/ol>\n<p>Da, dar b\u0103ncile pot cere garan\u021bii suplimentare sau aplic\u0103 dob\u00e2nzi mai mari. Unele IFN-uri sunt mai flexibile \u00een astfel de cazuri.<\/p>\n<ol start=\"3\">\n<li><b>Care sunt diferen\u021bele dintre refinan\u021barea unui credit bancar \u0219i refinan\u021barea printr-un IFN?<\/b><\/li>\n<\/ol>\n<p>B\u0103ncile ofer\u0103 \u00een general dob\u00e2nzi mai mici, dar au cerin\u021be stricte. IFN-urile sunt mai flexibile, dar cu costuri mai mari.<\/p>\n<ol start=\"4\">\n<li><b>Ce documente sunt necesare pentru refinan\u021barea unui credit cu \u00eent\u00e2rzieri?<\/b><\/li>\n<\/ol>\n<p>De obicei, ai nevoie de actul de identitate, dovada veniturilor, extrasul de la Biroul de Credit \u0219i documentele creditului existent.<\/p>\n<ol start=\"5\">\n<li><b>Po\u021bi implica un codebitor pentru a refinan\u021ba un credit cu \u00eent\u00e2rzieri?<\/b><\/li>\n<\/ol>\n<p>Da, un codebitor poate cre\u0219te \u0219ansele de aprobare, mai ales dac\u0103 are un scor de credit bun \u0219i venituri stabile.<\/p>\n<ol start=\"6\">\n<li><b>Exist\u0103 solu\u021bii dac\u0103 toate b\u0103ncile refuz\u0103 refinan\u021barea?<\/b><\/li>\n<\/ol>\n<p>Unele IFN-uri sau brokeri de credite pot identifica op\u021biuni alternative, cum ar fi restructurarea datoriilor sau utilizarea altor tipuri de garan\u021bii.<\/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-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:30px;--awb-padding-bottom:30px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start 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-6 fusion_builder_column_1_2 1_2 fusion-flex-column\" style=\"--awb-padding-top:30PX;--awb-padding-right:30PX;--awb-padding-bottom:30PX;--awb-padding-left:30PX;--awb-overflow:hidden;--awb-bg-color:#fafafa;--awb-bg-color-hover:#fafafa;--awb-bg-size:cover;--awb-border-color:#dadada;--awb-border-top:1px;--awb-border-right:1px;--awb-border-bottom:1px;--awb-border-left:1px;--awb-border-style:solid;--awb-border-radius:20PX 20PX 20PX 20PX;--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-2 fusion-sep-none fusion-title-center fusion-title-text fusion-title-size-five\" style=\"--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:10px;--awb-margin-left-small:0px;\"><h5 class=\"fusion-title-heading title-heading-center fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:16;--minFontSize:16;line-height:var(--awb-typography1-line-height);\">Hai pe 123credit.ro \u0219i ia-\u021bi creditul potrivit pentru tine.<\/h5><\/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-span-no fusion-button-default-type\" target=\"_self\" href=\"https:\/\/nf.123credit.ro\/\"><span class=\"fusion-button-text awb-button__text awb-button__text--default\">Vreau credit!<\/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\"> 8<\/span> <span class=\"rt-label rt-postfix\">minute<\/span><\/span><\/p>\n","protected":false},"author":14,"featured_media":2274,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[54,224,226,223,53],"tags":[216],"class_list":["post-2273","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-ipotecar","category-credite-de-nevoi-personale","category-credite-ifn","category-credite-ipotecare","category-bine-de-stiut","tag-refinantare-credit-de-nevoi-personale"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - 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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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