{"id":2463,"date":"2025-01-21T15:50:53","date_gmt":"2025-01-21T13:50:53","guid":{"rendered":"https:\/\/123credit.ro\/blog\/?p=2463"},"modified":"2025-01-21T15:51:19","modified_gmt":"2025-01-21T13:51:19","slug":"refinantare-credit-de-nevoi-personale-cu-ipoteca","status":"publish","type":"post","link":"https:\/\/123credit.ro\/blog\/refinantare-credit-de-nevoi-personale-cu-ipoteca\/","title":{"rendered":"Refinan\u021bare credit de nevoi personale cu ipotec\u0103"},"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\"> 9<\/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>Refinan\u021barea unui credit de nevoi personale cu ipoteca este o solu\u021bie popular\u0103 pentru cei care doresc s\u0103 reduc\u0103 costurile lunare sau s\u0103 ob\u021bin\u0103 condi\u021bii mai avantajoase pentru un \u00eemprumutul existent. Aceast\u0103 variant\u0103 poate aduce beneficii semnificative, dar implic\u0103 \u0219i anumite responsabilit\u0103\u021bi \u0219i riscuri.<\/p>\n<p>\u00cen acest articol, vom explora ce presupune refinan\u021barea unui credit de nevoi personale cu ipotec\u0103, cum func\u021bioneaz\u0103 procesul, avantajele \u0219i dezavantajele acesteia, precum \u0219i aspectele pe care trebuie s\u0103 le avem \u00een vedere \u00eenainte de a face acest pas.<\/p>\n<h2 class=\"\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><span style=\"font-weight: 400;\">Ce este refinan\u021barea unui credit de nevoi personale cu ipotec\u0103?<\/span><\/h2>\n<p>Refinan\u021barea unui credit de nevoi personale cu ipotec\u0103 const\u0103 \u00een contractarea unui nou \u00eemprumut garantat cu o proprietate imobiliar\u0103 (ipotec\u0103), destinat achit\u0103rii unui credit existent. Aceast\u0103 metod\u0103 permite reducerea ratei dob\u00e2nzii, extinderea perioadei de rambursare sau ob\u021binerea unei sume suplimentare pentru alte scopuri.<\/p>\n<h3>Acest tip de refinan\u021bare este potrivit pentru persoanele care:<\/h3>\n<p>&#8211; De\u021bin o proprietate pe care o pot folosi drept garan\u021bie;<\/p>\n<p>&#8211; Doresc s\u0103 reduc\u0103 costurile totale ale creditului;<\/p>\n<p>&#8211; Au nevoie de o sum\u0103 suplimentar\u0103 pentru alte cheltuieli.<\/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 procesul de refinan\u021bare?<\/span><\/h2>\n<h3>1. Evaluarea situa\u021biei financiare<\/h3>\n<p>Primul pas este analizarea situa\u021biei actuale a creditului \u0219i s\u0103 stabilirea obiectivele refinan\u021b\u0103rii: reducerea dob\u00e2nzii, mic\u0219orarea ratei lunare sau ob\u021binerea unei sume suplimentare.<\/p>\n<h3>2. Alegerea creditorului<\/h3>\n<p>Compar\u0103 ofertele de refinan\u021bare disponibile pe pia\u021b\u0103. Este important s\u0103 te orientezi c\u0103tre institu\u021bii financiare care ofer\u0103 condi\u021bii avantajoase \u0219i o dob\u00e2nd\u0103 competitiv\u0103.<\/p>\n<h3>3. Evaluarea propriet\u0103\u021bii imobiliare<\/h3>\n<p>Pentru a utiliza proprietatea ca garan\u021bie, aceasta va trebui evaluat\u0103 de un expert. Valoarea evaluat\u0103 a imobilului determinant\u0103 pentru suma maxim\u0103 care poate fi \u00eemprumutat\u0103.<\/p>\n<h3>4. Aprobarea cererii<\/h3>\n<p>Dup\u0103 depunerea cererii \u0219i a documenta\u021biei necesare, institu\u021bia financiar\u0103 va analiza dosarul \u0219i va decide dac\u0103 aprob\u0103 refinan\u021barea. Procesul poate dura c\u00e2teva zile sau chiar s\u0103pt\u0103m\u00e2ni, \u00een func\u021bie de complexitatea cazului.<\/p>\n<h3>5. Semnarea contractului<\/h3>\n<p>Dup\u0103 aprobare, se va semna un nou contract de credit care include ipoteca pe proprietatea adus\u0103 \u00een garan\u021bie.<\/p>\n<h3>6. Achitarea creditului existent<\/h3>\n<p>Banca sau institu\u021bia financiar\u0103 nou\u0103 va achita creditul vechi \u0219i, dac\u0103 s-a solicitat o sum\u0103 suplimentar\u0103, aceasta urmeaz\u0103 a fi virat\u0103 \u00een cont la banca care a preluat creditul.<\/p>\n<h2 class=\"\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><span style=\"font-weight: 400;\">Avantajele \u0219i dezavantajele refinan\u021b\u0103rii unui credit de nevoi personale cu ipotec\u0103<\/span><\/h2>\n<p><b>Avantaje:<\/b><\/p>\n<ul>\n<li>\n<p 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); letter-spacing: var(--body_typography-letter-spacing); display: inline !important;\"><b>Dob\u00e2nzi mai mici:<\/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); letter-spacing: var(--body_typography-letter-spacing);\">Creditele garantate cu ipotec\u0103 beneficiaz\u0103, de obicei, de dob\u00e2nzi mai reduse \u00een compara\u021bie cu cele negarantate. Acest lucru poate duce la economii semnificative pe termen lung.<br \/>\n<\/span><\/p>\n<\/li>\n<li><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); letter-spacing: var(--body_typography-letter-spacing);\"><b>Reducerea ratei lunare:<\/b><\/span> Extinderea perioadei de rambursare sau sc\u0103derea dob\u00e2nzii poate mic\u0219ora valoarea ratei lunare, ceea ce poate oferi un respiro financiar.<\/li>\n<li><b>Acces la sume suplimentare: <\/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); letter-spacing: var(--body_typography-letter-spacing); font-weight: var(--body_typography-font-weight);\">Dac\u0103 proprietatea are o valoare mai mare dec\u00e2t suma creditului existent, putem ob\u021bine o sum\u0103 suplimentar\u0103 pentru alte cheltuieli.<\/span><\/li>\n<li><b>Consolidarea datoriilor: <\/b>Refinan\u021barea poate fi utilizat\u0103 pentru a combina mai multe credite \u00eentr-un singur \u00eemprumut, facilit\u00e2nd gestionarea datoriilor.<\/li>\n<li><b>Flexibilitate \u00een condi\u021bii:<\/b> Prin negocierea unui nou contract, putem ob\u021bine condi\u021bii mai favorabile, cum ar fi posibilitatea de rambursare anticipat\u0103 f\u0103r\u0103 penalit\u0103\u021bi.<\/li>\n<\/ul>\n<p><b>Dezavantaje:<\/b><\/p>\n<ul>\n<li>\n<p 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); letter-spacing: var(--body_typography-letter-spacing); display: inline !important;\"><b>Riscul pierderii propriet\u0103\u021bii:<\/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); letter-spacing: var(--body_typography-letter-spacing);\">Garantarea creditului cu un imobil implic\u0103 riscul de a pierde proprietatea \u00een cazul \u00een care creditul nu este rambursat conform termenilor stabili\u021bi.<\/span><\/p>\n<\/li>\n<li><b>Costuri ini\u021biale ridicate: <\/b>Procesul de refinan\u021bare presupune anumite costuri, precum evaluarea propriet\u0103\u021bii, taxele notariale, comisioanele de analiz\u0103 a dosarului \u0219i alte taxe administrative.<\/li>\n<li><b>Perioad\u0103 mai lung\u0103 de \u00eendatorare<\/b>: De\u0219i extinderea perioadei de rambursare poate reduce rata lunar\u0103, aceasta cre\u0219te costul total al creditului pe termen lung.<\/li>\n<li><b>Fluctua\u021bii ale dob\u00e2nzii:<\/b> Cu o dob\u00e2nd\u0103 variabil\u0103, costul creditului poate cre\u0219te \u00een cazul unei major\u0103ri a indicelui de referin\u021b\u0103 (ex: ROBOR sau IRCC).<\/li>\n<\/ul>\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;\">Aspecte de luat \u00een considerare <\/span><\/h2>\n<h3>1. Analiza costurilor<\/h3>\n<p>Calculul costurilor totale este esen\u021bial. Dup\u0103 analizarea costurilor aferente, trebuie s\u0103 reias\u0103 c\u0103 beneficiile dep\u0103\u0219esc costurile.<\/p>\n<h3>2. Stabilitatea veniturilor<\/h3>\n<p>Dac\u0103 veniturile sunt instabile, asumarea unui credit cu ipotec\u0103 poate reprezenta un risc suplimentar.<\/p>\n<h3>3. Clauzele contractuale<\/h3>\n<p>Citirea clauzelor contractuale este esen\u021bial\u0103 deoarece dup\u0103 semnarea contractului ne asum\u0103m respectarea lor indiferent c\u0103 eram con\u0219tien\u021bi de ce am semnat sau nu. Cu toate acestea este la fel de important s\u0103 \u0219tim \u0219i c\u0103 legisla\u021bia european\u0103 protejeaz\u0103 consumatorii de multe clauze abuzive.<\/p>\n<h3>4. Indicele de referin\u021b\u0103<\/h3>\n<p>Este important \u0219\u0103 avem unele informa\u021bii despre istoricul indicelui de referin\u021b\u0103 \u0219i in ce intervale a fluctuat \u00een diferite perioade.<\/p>\n<p>C\u00e2nd este potrivit\u0103 refinan\u021barea cu ipotec\u0103?<\/p>\n<p>Refinan\u021barea unui credit de nevoi personale cu ipotec\u0103 poate fi o op\u021biune potrivit\u0103 \u00een urm\u0103toarele situa\u021bii:<\/p>\n<p>&#8211; Dob\u00e2nda creditului existent este mai mare dec\u00e2t cea disponibil\u0103 pe pia\u021b\u0103;<\/p>\n<p>&#8211; Nevoia de o sum\u0103 suplimentar\u0103 pentru alte cheltuieli (renov\u0103ri, achizi\u021bii majore etc.);<\/p>\n<p>&#8211; Reduerea ratei lunare pentru echilibrarea bugetului;<\/p>\n<p>&#8211; De\u021binerea unei proprieta\u021bi cu valoare suficient\u0103 pentru a acoperi suma necesar\u0103 refinan\u021b\u0103rii.<\/p>\n<p>Te invit\u0103m s\u0103 cite\u0219ti \u0219i articolul nostru <a href=\"https:\/\/123credit.ro\/blog\/refinantarea-creditului-ipotecar-cum-iti-dai-seama-cand-sa-refinantezi\/\"><span style=\"color: rgba(0, 0, 0, 0);\"><span style=\"color: var(--awb-color5);\">Refinan\u021bare credit ipotecar<\/span><\/span><span style=\"color: var(--awb-color5);\">.<\/span><\/a><\/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 unui credit de nevoi personale cu ipotec\u0103 ofer\u0103 oportunit\u0103\u021bi semnificative de reducere a costurilor, acces la sume suplimentare \u0219i flexibilitate financiar\u0103. Totu\u0219i, implic\u0103 riscuri precum pierderea propriet\u0103\u021bii \u0219i costuri ini\u021biale ridicate. Analiza atent\u0103 a condi\u021biilor \u0219i a clauzelor contractuale este esen\u021bial\u0103 pentru a lua o decizie informat\u0103.<\/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>Pot refinan\u021ba un credit de nevoi personale cu ipotec\u0103 dac\u0103 proprietatea este de\u021binut\u0103 \u00een coproprietate?<\/b><\/li>\n<\/ol>\n<p>Da, \u00eens\u0103 va fi necesar consim\u021b\u0103m\u00e2ntul tuturor coproprietarilor pentru utilizarea imobilului drept garan\u021bie \u00een procesul de refinan\u021bare.<\/p>\n<ol start=\"2\">\n<li><b>Este posibil s\u0103 refinan\u021bez un credit ipotecar existent cu un credit de nevoi personale cu ipotec\u0103?<\/b><\/li>\n<\/ol>\n<p>Nu, refinan\u021barea unui credit ipotecar se face printr-un alt credit ipotecar, deoarece scopul \u0219i condi\u021biile difer\u0103 de cele ale unui credit de nevoi personale.<\/p>\n<ol start=\"3\">\n<li><b>Ce tip de venituri sunt acceptate pentru refinan\u021bare?<\/b><\/li>\n<\/ol>\n<p>Institu\u021biile financiare pot accepta venituri din salarii, pensii, activit\u0103\u021bi independente, chirii sau dividende, dar fiecare creditor poate avea cerin\u021be specifice privind documenta\u021bia justificativ\u0103.<\/p>\n<ol start=\"4\">\n<li><b>Pot folosi refinan\u021barea pentru a pl\u0103ti datorii fiscale restante?<\/b><\/li>\n<\/ol>\n<p>Da, refinan\u021barea poate include sume suplimentare utilizabile pentru diverse scopuri, inclusiv achitarea datoriilor fiscale, dac\u0103 este aprobat\u0103 de creditor.<\/p>\n<ol start=\"5\">\n<li><b>Exist\u0103 limit\u0103ri privind utilizarea sumei suplimentare ob\u021binute prin refinan\u021bare?<\/b><\/li>\n<\/ol>\n<p>De regul\u0103, suma suplimentar\u0103 poate fi folosit\u0103 liber, dar unele institu\u021bii pot solicita justificarea par\u021bial\u0103 a utiliz\u0103rii fondurilor, \u00een func\u021bie de politici.<\/p>\n<ol start=\"6\">\n<li><b>Poate fi refinan\u021barea refuzat\u0103 dac\u0103 am \u00eent\u00e2rzieri de plat\u0103 \u00een istoricul de credit?<\/b><\/li>\n<\/ol>\n<p>Da, un istoric negativ de plat\u0103 poate reduce \u0219ansele de aprobare, dar unele institu\u021bii pot fi dispuse s\u0103 negocieze \u00een func\u021bie de circumstan\u021be.<\/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-credit.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\" width=\"222\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-cec.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" srcset=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-cec-200x55.png 200w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-cec.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-claret.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-credex.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-credit-eu.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" srcset=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-credit-eu-200x55.png 200w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-credit-eu.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-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=\"\" \/><\/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-easycredit.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=\"216\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-exim.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" srcset=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-exim-200x56.png 200w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-exim.png 216w\" 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-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, \" \/><\/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=\"148\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-mogoifn.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-ocean.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-otp.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-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\"> 9<\/span> <span class=\"rt-label rt-postfix\">minute<\/span><\/span><\/p>\n","protected":false},"author":14,"featured_media":2464,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[52,224],"tags":[],"class_list":["post-2463","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-vocea-brokerului","category-credite-de-nevoi-personale"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Refinan\u021bare credit de nevoi personale cu ipotec\u0103 - Blogul 123Credit<\/title>\n<meta name=\"description\" content=\"Afl\u0103 totul desprec ce presupune o refinan\u021bare credit de nevoi personale cu ipotec\u0103: avantaje, dezavantaje, pa\u0219ii procesului \u0219i aspectele de luat \u00een considerare. Descoper\u0103 dac\u0103 aceast\u0103 solu\u021bie financiar\u0103 este potrivit\u0103 pentru tine \u0219i cum s\u0103 o accesezi.\" \/>\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\/refinantare-credit-de-nevoi-personale-cu-ipoteca\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Refinan\u021bare credit de nevoi personale cu ipotec\u0103 - Blogul 123Credit\" \/>\n<meta property=\"og:description\" content=\"Afl\u0103 totul desprec ce presupune o refinan\u021bare credit de nevoi personale cu ipotec\u0103: avantaje, dezavantaje, pa\u0219ii procesului \u0219i aspectele de luat \u00een considerare. Descoper\u0103 dac\u0103 aceast\u0103 solu\u021bie financiar\u0103 este potrivit\u0103 pentru tine \u0219i cum s\u0103 o accesezi.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/123credit.ro\/blog\/refinantare-credit-de-nevoi-personale-cu-ipoteca\/\" \/>\n<meta property=\"og:site_name\" content=\"Blogul 123Credit\" \/>\n<meta property=\"article:published_time\" content=\"2025-01-21T13:50:53+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-01-21T13:51:19+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2025\/01\/Propuneri-vizualuri-Blog-12.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\\\/refinantare-credit-de-nevoi-personale-cu-ipoteca\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/refinantare-credit-de-nevoi-personale-cu-ipoteca\\\/\"},\"author\":{\"name\":\"C\u0103t\u0103lin Fetea\",\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/#\\\/schema\\\/person\\\/bfcb4236ba2de73f6201feecd8332ea9\"},\"headline\":\"Refinan\u021bare credit de nevoi personale cu ipotec\u0103\",\"datePublished\":\"2025-01-21T13:50:53+00:00\",\"dateModified\":\"2025-01-21T13:51:19+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/refinantare-credit-de-nevoi-personale-cu-ipoteca\\\/\"},\"wordCount\":4377,\"commentCount\":0,\"image\":{\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/refinantare-credit-de-nevoi-personale-cu-ipoteca\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/wp-content\\\/uploads\\\/2025\\\/01\\\/Propuneri-vizualuri-Blog-12.jpg\",\"articleSection\":[\"Blogul 123credit iti pune la dispozitie expertiza unei echipe intregi de brokeri pentru a te ajuta sa alegi cel mai bun credit destinat nevoilor tale\",\"Credite de nevoi personale\"],\"inLanguage\":\"ro-RO\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/123credit.ro\\\/blog\\\/refinantare-credit-de-nevoi-personale-cu-ipoteca\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/refinantare-credit-de-nevoi-personale-cu-ipoteca\\\/\",\"url\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/refinantare-credit-de-nevoi-personale-cu-ipoteca\\\/\",\"name\":\"Refinan\u021bare credit de nevoi personale cu ipotec\u0103 - Blogul 123Credit\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/refinantare-credit-de-nevoi-personale-cu-ipoteca\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/refinantare-credit-de-nevoi-personale-cu-ipoteca\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/wp-content\\\/uploads\\\/2025\\\/01\\\/Propuneri-vizualuri-Blog-12.jpg\",\"datePublished\":\"2025-01-21T13:50:53+00:00\",\"dateModified\":\"2025-01-21T13:51:19+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/#\\\/schema\\\/person\\\/bfcb4236ba2de73f6201feecd8332ea9\"},\"description\":\"Afl\u0103 totul desprec ce presupune o refinan\u021bare credit de nevoi personale cu ipotec\u0103: avantaje, dezavantaje, pa\u0219ii procesului \u0219i aspectele de luat \u00een considerare. Descoper\u0103 dac\u0103 aceast\u0103 solu\u021bie financiar\u0103 este potrivit\u0103 pentru tine \u0219i cum s\u0103 o accesezi.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/refinantare-credit-de-nevoi-personale-cu-ipoteca\\\/#breadcrumb\"},\"inLanguage\":\"ro-RO\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/123credit.ro\\\/blog\\\/refinantare-credit-de-nevoi-personale-cu-ipoteca\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"ro-RO\",\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/refinantare-credit-de-nevoi-personale-cu-ipoteca\\\/#primaryimage\",\"url\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/wp-content\\\/uploads\\\/2025\\\/01\\\/Propuneri-vizualuri-Blog-12.jpg\",\"contentUrl\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/wp-content\\\/uploads\\\/2025\\\/01\\\/Propuneri-vizualuri-Blog-12.jpg\",\"width\":940,\"height\":788,\"caption\":\"Refinan\u021bare credit de nevoi personale cu ipotec\u0103\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/refinantare-credit-de-nevoi-personale-cu-ipoteca\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Refinan\u021bare credit de nevoi personale cu ipotec\u0103\"}]},{\"@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":"Refinan\u021bare credit de nevoi personale cu ipotec\u0103 - Blogul 123Credit","description":"Afl\u0103 totul desprec ce presupune o refinan\u021bare credit de nevoi personale cu ipotec\u0103: avantaje, dezavantaje, pa\u0219ii procesului \u0219i aspectele de luat \u00een considerare. Descoper\u0103 dac\u0103 aceast\u0103 solu\u021bie financiar\u0103 este potrivit\u0103 pentru tine \u0219i cum s\u0103 o accesezi.","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\/refinantare-credit-de-nevoi-personale-cu-ipoteca\/","og_locale":"ro_RO","og_type":"article","og_title":"Refinan\u021bare credit de nevoi personale cu ipotec\u0103 - Blogul 123Credit","og_description":"Afl\u0103 totul desprec ce presupune o refinan\u021bare credit de nevoi personale cu ipotec\u0103: avantaje, dezavantaje, pa\u0219ii procesului \u0219i aspectele de luat \u00een considerare. Descoper\u0103 dac\u0103 aceast\u0103 solu\u021bie financiar\u0103 este potrivit\u0103 pentru tine \u0219i cum s\u0103 o accesezi.","og_url":"https:\/\/123credit.ro\/blog\/refinantare-credit-de-nevoi-personale-cu-ipoteca\/","og_site_name":"Blogul 123Credit","article_published_time":"2025-01-21T13:50:53+00:00","article_modified_time":"2025-01-21T13:51:19+00:00","og_image":[{"width":940,"height":788,"url":"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2025\/01\/Propuneri-vizualuri-Blog-12.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\/refinantare-credit-de-nevoi-personale-cu-ipoteca\/#article","isPartOf":{"@id":"https:\/\/123credit.ro\/blog\/refinantare-credit-de-nevoi-personale-cu-ipoteca\/"},"author":{"name":"C\u0103t\u0103lin Fetea","@id":"https:\/\/123credit.ro\/blog\/#\/schema\/person\/bfcb4236ba2de73f6201feecd8332ea9"},"headline":"Refinan\u021bare credit de nevoi personale cu ipotec\u0103","datePublished":"2025-01-21T13:50:53+00:00","dateModified":"2025-01-21T13:51:19+00:00","mainEntityOfPage":{"@id":"https:\/\/123credit.ro\/blog\/refinantare-credit-de-nevoi-personale-cu-ipoteca\/"},"wordCount":4377,"commentCount":0,"image":{"@id":"https:\/\/123credit.ro\/blog\/refinantare-credit-de-nevoi-personale-cu-ipoteca\/#primaryimage"},"thumbnailUrl":"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2025\/01\/Propuneri-vizualuri-Blog-12.jpg","articleSection":["Blogul 123credit iti pune la dispozitie expertiza unei echipe intregi de brokeri pentru a te ajuta sa alegi cel mai bun credit destinat nevoilor tale","Credite de nevoi personale"],"inLanguage":"ro-RO","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/123credit.ro\/blog\/refinantare-credit-de-nevoi-personale-cu-ipoteca\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/123credit.ro\/blog\/refinantare-credit-de-nevoi-personale-cu-ipoteca\/","url":"https:\/\/123credit.ro\/blog\/refinantare-credit-de-nevoi-personale-cu-ipoteca\/","name":"Refinan\u021bare credit de nevoi personale cu ipotec\u0103 - Blogul 123Credit","isPartOf":{"@id":"https:\/\/123credit.ro\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/123credit.ro\/blog\/refinantare-credit-de-nevoi-personale-cu-ipoteca\/#primaryimage"},"image":{"@id":"https:\/\/123credit.ro\/blog\/refinantare-credit-de-nevoi-personale-cu-ipoteca\/#primaryimage"},"thumbnailUrl":"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2025\/01\/Propuneri-vizualuri-Blog-12.jpg","datePublished":"2025-01-21T13:50:53+00:00","dateModified":"2025-01-21T13:51:19+00:00","author":{"@id":"https:\/\/123credit.ro\/blog\/#\/schema\/person\/bfcb4236ba2de73f6201feecd8332ea9"},"description":"Afl\u0103 totul desprec ce presupune o refinan\u021bare credit de nevoi personale cu ipotec\u0103: avantaje, dezavantaje, pa\u0219ii procesului \u0219i aspectele de luat \u00een considerare. Descoper\u0103 dac\u0103 aceast\u0103 solu\u021bie financiar\u0103 este potrivit\u0103 pentru tine \u0219i cum s\u0103 o accesezi.","breadcrumb":{"@id":"https:\/\/123credit.ro\/blog\/refinantare-credit-de-nevoi-personale-cu-ipoteca\/#breadcrumb"},"inLanguage":"ro-RO","potentialAction":[{"@type":"ReadAction","target":["https:\/\/123credit.ro\/blog\/refinantare-credit-de-nevoi-personale-cu-ipoteca\/"]}]},{"@type":"ImageObject","inLanguage":"ro-RO","@id":"https:\/\/123credit.ro\/blog\/refinantare-credit-de-nevoi-personale-cu-ipoteca\/#primaryimage","url":"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2025\/01\/Propuneri-vizualuri-Blog-12.jpg","contentUrl":"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2025\/01\/Propuneri-vizualuri-Blog-12.jpg","width":940,"height":788,"caption":"Refinan\u021bare credit de nevoi personale cu ipotec\u0103"},{"@type":"BreadcrumbList","@id":"https:\/\/123credit.ro\/blog\/refinantare-credit-de-nevoi-personale-cu-ipoteca\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/123credit.ro\/blog\/"},{"@type":"ListItem","position":2,"name":"Refinan\u021bare credit de nevoi personale cu ipotec\u0103"}]},{"@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\/2463","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=2463"}],"version-history":[{"count":2,"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/posts\/2463\/revisions"}],"predecessor-version":[{"id":2466,"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/posts\/2463\/revisions\/2466"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/media\/2464"}],"wp:attachment":[{"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/media?parent=2463"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/categories?post=2463"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/tags?post=2463"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}