{"id":2673,"date":"2025-03-17T21:23:00","date_gmt":"2025-03-17T19:23:00","guid":{"rendered":"https:\/\/123credit.ro\/blog\/?p=2673"},"modified":"2026-07-16T17:17:30","modified_gmt":"2026-07-16T14:17:30","slug":"avansul-minim-pentru-un-credit-ipotecar","status":"publish","type":"post","link":"https:\/\/123credit.ro\/blog\/avansul-minim-pentru-un-credit-ipotecar\/","title":{"rendered":"Avansul minim pentru un credit ipotecar: Ce trebuie s\u0103 \u0219tii"},"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\"> 10<\/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>Accesarea unui<a href=\"https:\/\/123credit.ro\/blog\/credit-ipotecar-ce-inseamna\/\"> <span style=\"color: var(--awb-color5);\"><b>credit ipotecar<\/b><\/span> <\/a>este un pas important pentru achizi\u021bionarea unei locuin\u021be, iar avansul minim reprezint\u0103 unul dintre factorii esen\u021biali \u00een aceast\u0103 ecua\u021bie. Valoarea avansului poate influen\u021ba semnificativ costul total al \u00eemprumutului, ratele lunare \u0219i condi\u021biile de creditare. Acest articol exploreaz\u0103 criteriile privind avansul minim pentru un credit ipotecar, factorii care \u00eel influen\u021beaz\u0103 \u0219i op\u021biunile disponibile pentru cump\u0103r\u0103tori.<\/p>\n<h2><strong>Ce este avansul minim pentru un credit ipotecar?<\/strong><\/h2>\n<p>Avansul minim este suma de bani pe care solicitantul trebuie s\u0103 o pl\u0103teasc\u0103 din fonduri proprii la achizi\u021bionarea unei locuin\u021be printr-un credit ipotecar. Restul valorii imobilului este finan\u021bat de banc\u0103 prin intermediul \u00eemprumutului. Acest avans serve\u0219te drept garan\u021bie pentru banc\u0103 \u0219i reduce riscul asociat creditului.<\/p>\n<p>Nivelul avansului minim variaz\u0103 \u00een func\u021bie de tipul de credit \u0219i de institu\u021bia financiar\u0103. \u00cen Rom\u00e2nia, principalele categorii de credite ipotecare sunt:<\/p>\n<p><b>1. <\/b><a href=\"https:\/\/123credit.ro\/blog\/credit-prima-casa-in-2024-2\/\"><b style=\"color: var(--awb-color5);\">Creditul Noua Cas\u0103<\/b><\/a><span style=\"color: var(--awb-color5);\"> \u2013 <\/span>avans minim de 5% pentru locuin\u021bele cu o valoare de p\u00e2n\u0103 la 70.000 de euro \u0219i 15% pentru locuin\u021bele cu o valoare \u00eentre 70.001 \u0219i 140.000 de euro.<\/p>\n<p><b>2. Creditele ipotecare standard <\/b>\u2013 avansul minim \u00eencepe de la 15% \u0219i poate ajunge la 25% sau chiar mai mult, \u00een func\u021bie de profilul clientului \u0219i de politica b\u0103ncii.<\/p>\n<p><b>3. Credite pentru achizi\u021bii imobiliare \u00een valut\u0103 <\/b>\u2013 pentru creditele \u00een euro, dolari sau alte monede str\u0103ine, avansul minim impus de Banca Na\u021bional\u0103 a Rom\u00e2niei este de 25%, pentru a proteja consumatorii de riscul valutar.<\/p>\n<p>Factori care influen\u021beaz\u0103 avansul minim pentru un credit ipotecar<\/p>\n<p>Mai mul\u021bi factori pot determina valoarea avansului minim pentru un credit ipotecar necesar:<\/p>\n<ul>\n<li>Tipul creditului \u2013 programele guvernamentale, cum este Noua Cas\u0103, impun un avans mai mic fa\u021b\u0103 de creditele ipotecare standard.<\/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); font-weight: var(--body_typography-font-weight); letter-spacing: var(--body_typography-letter-spacing);\">Moneda \u00eemprumutului \u2013 creditele \u00een lei necesit\u0103 un avans mai mic comparativ cu cele \u00een valut\u0103.<\/span><\/li>\n<li>Veniturile solicitantului \u2013 clien\u021bii cu venituri mari \u0219i stabile pot ob\u021bine condi\u021bii mai avantajoase, inclusiv un avans minim mai redus.<\/li>\n<li>Tipul imobilului \u2013 dac\u0103 locuin\u021ba este nou\u0103 sau veche, amplasarea \u0219i valoarea acesteia pot influen\u021ba cerin\u021bele b\u0103ncii.<\/li>\n<li>Politica b\u0103ncii \u2013 fiecare banc\u0103 \u00ee\u0219i stabile\u0219te propriile condi\u021bii de acordare a creditului, inclusiv avansul minim acceptat.<\/li>\n<\/ul>\n<h2><strong>Avantajele unui avans mai mare<\/strong><\/h2>\n<p>De\u0219i avansul minim pentru un credit ipotecar reprezint\u0103 o solu\u021bie accesibil\u0103 pentru cei care nu au economii substan\u021biale, exist\u0103 mai multe beneficii \u00een a pl\u0103ti un avans mai mare:<\/p>\n<p><b>1. Reducerea costului total al creditului <\/b>\u2013 un \u00eemprumut mai mic \u00eenseamn\u0103 mai pu\u021bine dob\u00e2nzi pl\u0103tite pe durata creditului.<\/p>\n<p><b>2. Rate lunare mai mici <\/b>\u2013 cu un sold mai mic al creditului, ratele lunare vor fi mai u\u0219or de gestionat.<\/p>\n<p><b>3. \u0218anse mai mari de aprobare \u2013<\/b> un avans mai mare reduce riscul pentru banc\u0103, ceea ce poate duce la o aprobare mai rapid\u0103 a creditului.<\/p>\n<p><b>4. Dob\u00e2nzi mai avantajoase <\/b>\u2013 unele b\u0103nci ofer\u0103 dob\u00e2nzi mai mici pentru cei care contribuie cu un avans mai mare.<\/p>\n<p><b>5. Reducerea riscului de supra\u00eendatorare \u2013<\/b> cu un credit mai mic, impactul fluctua\u021biilor economice asupra finan\u021belor personale este mai redus.<\/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\">Cum s\u0103 economise\u0219ti pentru avansul minim pentru un credit ipotecar?<\/h2>\n<p>Str\u00e2ngerea sumei necesare pentru avans poate fi o provocare, dar exist\u0103 c\u00e2teva strategii eficiente:<\/p>\n<ul>\n<li>Stabilirea unui buget strict \u2013 economisirea unei sume lunare dedicate avansului poate accelera procesul de acumulare a fondurilor.<\/li>\n<li>Deschiderea unui cont de economii dedicat \u2013 unele b\u0103nci ofer\u0103 produse de economisire cu dob\u00e2nzi atractive pentru depozite pe termen lung.<\/li>\n<li>Investi\u021bii \u2013 plasamentele \u00een fonduri mutuale, titluri de stat sau alte instrumente financiare pot ajuta la cre\u0219terea economiilor.<\/li>\n<li>Reducerea cheltuielilor neesen\u021biale \u2013 eliminarea unor costuri precum abonamentele inutile sau mesele frecvente \u00een ora\u0219 poate contribui la economisirea mai rapid\u0103 a banilor.<\/li>\n<li>Venituri suplimentare \u2013 freelancing-ul, munca part-time sau monetizarea unui hobby pot aduce venituri suplimentare pentru economisire.<\/li>\n<\/ul>\n<h2 class=\"\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\">Alternative la avansul minim pentru un credit ipotecar standard<\/h2>\n<p>Pentru cei care nu pot str\u00e2nge avansul minim pentru un credit ipotecar impus de banc\u0103, exist\u0103 c\u00e2teva solu\u021bii alternative:<\/p>\n<p><b>1. Garan\u021bii suplimentare <\/b>\u2013 unele b\u0103nci accept\u0103 garan\u021bii imobiliare suplimentare, reduc\u00e2nd astfel avansul necesar.<\/p>\n<p><b>2. \u00cemprumuturi de la familie <\/b>\u2013 un ajutor din partea rudelor poate facilita str\u00e2ngerea avansului.<\/p>\n<p><b>3. Linii de credit sau credite de nevoi personale <\/b>\u2013 pot fi folosite pentru a completa suma necesar\u0103 avansului, dar trebuie analizate cu aten\u021bie costurile acestora.<\/p>\n<p><b>4. Programe guvernamentale<\/b> \u2013 \u00een afar\u0103 de Noua Cas\u0103, pot exista alte ini\u021biative care s\u0103 sprijine achizi\u021bia unei locuin\u021be cu avans redus.<\/p>\n<h2 class=\"\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><strong>Concluzie<\/strong><\/h2>\n<p>Avansul minim pentru un credit ipotecar este un factor esen\u021bial \u00een accesarea finan\u021b\u0103rii pentru achizi\u021bia unei locuin\u021be. Cu toate c\u0103 un avans mai mic poate facilita ob\u021binerea unui credit, un avans mai mare poate aduce beneficii financiare semnificative pe termen lung. \u00cenainte de a lua o decizie, este important s\u0103 se analizeze toate op\u021biunile disponibile \u0219i s\u0103 se elaboreze o strategie eficient\u0103 de economisire. O planificare atent\u0103 \u0219i o gestionare corect\u0103 a resurselor financiare pot face procesul de cump\u0103rare a unei locuin\u021be mai u\u0219or \u0219i mai avantajos.<\/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 poate influen\u021ba avansul minim costul total al creditului ipotecar?<\/b><\/li>\n<\/ol>\n<p>Un avans mai mare reduce suma \u00eemprumutat\u0103, ceea ce \u00eenseamn\u0103 dob\u00e2nzi mai mici \u0219i costuri totale mai reduse pe termen lung. Un avans minim duce la rate mai mari \u0219i la costuri suplimentare.<\/p>\n<ol start=\"2\">\n<li><b>Exist\u0103 diferen\u021be \u00eentre avansul minim cerut de b\u0103ncile din Rom\u00e2nia \u0219i cele din alte \u021b\u0103ri?<\/b><\/li>\n<\/ol>\n<p>Da, \u00een unele \u021b\u0103ri, avansul minim poate fi mai mic, iar \u00een altele, mai mare, \u00een func\u021bie de reglement\u0103rile locale. De exemplu, \u00een SUA exist\u0103 op\u021biuni cu avans de 3%, \u00een timp ce \u00een alte state europene poate ajunge la 30%.<\/p>\n<ol start=\"3\">\n<li><b>Se poate ob\u021bine un <a style=\"color: var(--awb-color5);\" href=\"https:\/\/123credit.ro\/blog\/credit-ipotecar-fara-avans-ghid-complet-si-solutii\/\">credit ipotecar f\u0103r\u0103 avans?<\/a><\/b><\/li>\n<\/ol>\n<p>\u00cen general, b\u0103ncile cer un avans minim, dar \u00een anumite cazuri, pot exista programe guvernamentale sau garan\u021bii suplimentare care permit accesarea unui credit f\u0103r\u0103 avans.<\/p>\n<ol start=\"4\">\n<li><b> Ce alternative exist\u0103 pentru cei care nu au suma necesar\u0103 pentru avans?<\/b><\/li>\n<\/ol>\n<p>Unele solu\u021bii includ economisirea pe termen lung, accesarea unui \u00eemprumut personal separat, folosirea unei garan\u021bii suplimentare sau implicarea unui codebitor cu resurse financiare suficiente.<\/p>\n<ol start=\"5\">\n<li><b>Poate fi acoperit avansul printr-un alt \u00eemprumut bancar?<\/b><\/li>\n<\/ol>\n<p>Majoritatea b\u0103ncilor nu permit acest lucru, deoarece cre\u0219te riscul de supra\u00eendatorare. Totu\u0219i, exist\u0103 institu\u021bii care accept\u0103 solu\u021bii alternative, cum ar fi creditele de nevoi personale.<\/p>\n<ol start=\"6\">\n<li><b>Cum influen\u021beaz\u0103 istoricul de credit posibilitatea de a pl\u0103ti un avans mai mic?<\/b><\/li>\n<\/ol>\n<p>Un scor de credit ridicat \u0219i un istoric financiar stabil pot convinge banca s\u0103 acorde condi\u021bii mai favorabile, inclusiv un avans minim mai mic, deoarece riscul de neplat\u0103 este considerat redus.<\/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-credit2.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><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-7 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-7 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-3 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-3 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\"> 10<\/span> <span class=\"rt-label rt-postfix\">minute<\/span><\/span><\/p>\n","protected":false},"author":14,"featured_media":2674,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[54,223,53],"tags":[],"class_list":["post-2673","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-ipotecar","category-credite-ipotecare","category-bine-de-stiut"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Avansul minim pentru un credit ipotecar: Ce trebuie s\u0103 \u0219tii - Blogul 123Credit<\/title>\n<meta name=\"description\" content=\"Descoper\u0103 ce avans minim credit ipotecar ai nevoie, factorii care influen\u021beaz\u0103 suma solicitat\u0103 de banc\u0103 \u0219i op\u021biunile disponibile pentru cei care nu dispun de fondurile necesare.\" \/>\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\/avansul-minim-pentru-un-credit-ipotecar\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Avansul minim pentru un credit ipotecar: Ce trebuie s\u0103 \u0219tii - Blogul 123Credit\" \/>\n<meta property=\"og:description\" content=\"Descoper\u0103 ce avans minim credit ipotecar ai nevoie, factorii care influen\u021beaz\u0103 suma solicitat\u0103 de banc\u0103 \u0219i op\u021biunile disponibile pentru cei care nu dispun de fondurile necesare.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/123credit.ro\/blog\/avansul-minim-pentru-un-credit-ipotecar\/\" \/>\n<meta property=\"og:site_name\" content=\"Blogul 123Credit\" \/>\n<meta property=\"article:published_time\" content=\"2025-03-17T19:23:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-07-16T14:17:30+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2025\/03\/Propuneri-vizualuri-Blog-4.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=\"14 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/avansul-minim-pentru-un-credit-ipotecar\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/avansul-minim-pentru-un-credit-ipotecar\\\/\"},\"author\":{\"name\":\"C\u0103t\u0103lin Fetea\",\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/#\\\/schema\\\/person\\\/bfcb4236ba2de73f6201feecd8332ea9\"},\"headline\":\"Avansul minim pentru un credit ipotecar: Ce trebuie s\u0103 \u0219tii\",\"datePublished\":\"2025-03-17T19:23:00+00:00\",\"dateModified\":\"2026-07-16T14:17:30+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/avansul-minim-pentru-un-credit-ipotecar\\\/\"},\"wordCount\":4980,\"commentCount\":0,\"image\":{\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/avansul-minim-pentru-un-credit-ipotecar\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/wp-content\\\/uploads\\\/2025\\\/03\\\/Propuneri-vizualuri-Blog-4.jpg\",\"articleSection\":[\"Credit Ipotecar\",\"Credite ipotecare\",\"Informatii bine de stiut inainte sa aplici pentru un credit ipotecar\"],\"inLanguage\":\"ro-RO\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/123credit.ro\\\/blog\\\/avansul-minim-pentru-un-credit-ipotecar\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/avansul-minim-pentru-un-credit-ipotecar\\\/\",\"url\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/avansul-minim-pentru-un-credit-ipotecar\\\/\",\"name\":\"Avansul minim pentru un credit ipotecar: Ce trebuie s\u0103 \u0219tii - Blogul 123Credit\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/avansul-minim-pentru-un-credit-ipotecar\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/avansul-minim-pentru-un-credit-ipotecar\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/wp-content\\\/uploads\\\/2025\\\/03\\\/Propuneri-vizualuri-Blog-4.jpg\",\"datePublished\":\"2025-03-17T19:23:00+00:00\",\"dateModified\":\"2026-07-16T14:17:30+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/#\\\/schema\\\/person\\\/bfcb4236ba2de73f6201feecd8332ea9\"},\"description\":\"Descoper\u0103 ce avans minim credit ipotecar ai nevoie, factorii care influen\u021beaz\u0103 suma solicitat\u0103 de banc\u0103 \u0219i op\u021biunile disponibile pentru cei care nu dispun de fondurile necesare.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/avansul-minim-pentru-un-credit-ipotecar\\\/#breadcrumb\"},\"inLanguage\":\"ro-RO\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/123credit.ro\\\/blog\\\/avansul-minim-pentru-un-credit-ipotecar\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"ro-RO\",\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/avansul-minim-pentru-un-credit-ipotecar\\\/#primaryimage\",\"url\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/wp-content\\\/uploads\\\/2025\\\/03\\\/Propuneri-vizualuri-Blog-4.jpg\",\"contentUrl\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/wp-content\\\/uploads\\\/2025\\\/03\\\/Propuneri-vizualuri-Blog-4.jpg\",\"width\":940,\"height\":788,\"caption\":\"Avansul minim pentru un credit ipotecar: ce trebuie s\u0103 \u0219tii\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/avansul-minim-pentru-un-credit-ipotecar\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Avansul minim pentru un credit ipotecar: Ce trebuie s\u0103 \u0219tii\"}]},{\"@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":"Avansul minim pentru un credit ipotecar: Ce trebuie s\u0103 \u0219tii - Blogul 123Credit","description":"Descoper\u0103 ce avans minim credit ipotecar ai nevoie, factorii care influen\u021beaz\u0103 suma solicitat\u0103 de banc\u0103 \u0219i op\u021biunile disponibile pentru cei care nu dispun de fondurile necesare.","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\/avansul-minim-pentru-un-credit-ipotecar\/","og_locale":"ro_RO","og_type":"article","og_title":"Avansul minim pentru un credit ipotecar: Ce trebuie s\u0103 \u0219tii - Blogul 123Credit","og_description":"Descoper\u0103 ce avans minim credit ipotecar ai nevoie, factorii care influen\u021beaz\u0103 suma solicitat\u0103 de banc\u0103 \u0219i op\u021biunile disponibile pentru cei care nu dispun de fondurile necesare.","og_url":"https:\/\/123credit.ro\/blog\/avansul-minim-pentru-un-credit-ipotecar\/","og_site_name":"Blogul 123Credit","article_published_time":"2025-03-17T19:23:00+00:00","article_modified_time":"2026-07-16T14:17:30+00:00","og_image":[{"width":940,"height":788,"url":"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2025\/03\/Propuneri-vizualuri-Blog-4.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":"14 minute"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/123credit.ro\/blog\/avansul-minim-pentru-un-credit-ipotecar\/#article","isPartOf":{"@id":"https:\/\/123credit.ro\/blog\/avansul-minim-pentru-un-credit-ipotecar\/"},"author":{"name":"C\u0103t\u0103lin Fetea","@id":"https:\/\/123credit.ro\/blog\/#\/schema\/person\/bfcb4236ba2de73f6201feecd8332ea9"},"headline":"Avansul minim pentru un credit ipotecar: Ce trebuie s\u0103 \u0219tii","datePublished":"2025-03-17T19:23:00+00:00","dateModified":"2026-07-16T14:17:30+00:00","mainEntityOfPage":{"@id":"https:\/\/123credit.ro\/blog\/avansul-minim-pentru-un-credit-ipotecar\/"},"wordCount":4980,"commentCount":0,"image":{"@id":"https:\/\/123credit.ro\/blog\/avansul-minim-pentru-un-credit-ipotecar\/#primaryimage"},"thumbnailUrl":"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2025\/03\/Propuneri-vizualuri-Blog-4.jpg","articleSection":["Credit Ipotecar","Credite ipotecare","Informatii bine de stiut inainte sa aplici pentru un credit ipotecar"],"inLanguage":"ro-RO","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/123credit.ro\/blog\/avansul-minim-pentru-un-credit-ipotecar\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/123credit.ro\/blog\/avansul-minim-pentru-un-credit-ipotecar\/","url":"https:\/\/123credit.ro\/blog\/avansul-minim-pentru-un-credit-ipotecar\/","name":"Avansul minim pentru un credit ipotecar: Ce trebuie s\u0103 \u0219tii - Blogul 123Credit","isPartOf":{"@id":"https:\/\/123credit.ro\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/123credit.ro\/blog\/avansul-minim-pentru-un-credit-ipotecar\/#primaryimage"},"image":{"@id":"https:\/\/123credit.ro\/blog\/avansul-minim-pentru-un-credit-ipotecar\/#primaryimage"},"thumbnailUrl":"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2025\/03\/Propuneri-vizualuri-Blog-4.jpg","datePublished":"2025-03-17T19:23:00+00:00","dateModified":"2026-07-16T14:17:30+00:00","author":{"@id":"https:\/\/123credit.ro\/blog\/#\/schema\/person\/bfcb4236ba2de73f6201feecd8332ea9"},"description":"Descoper\u0103 ce avans minim credit ipotecar ai nevoie, factorii care influen\u021beaz\u0103 suma solicitat\u0103 de banc\u0103 \u0219i op\u021biunile disponibile pentru cei care nu dispun de fondurile necesare.","breadcrumb":{"@id":"https:\/\/123credit.ro\/blog\/avansul-minim-pentru-un-credit-ipotecar\/#breadcrumb"},"inLanguage":"ro-RO","potentialAction":[{"@type":"ReadAction","target":["https:\/\/123credit.ro\/blog\/avansul-minim-pentru-un-credit-ipotecar\/"]}]},{"@type":"ImageObject","inLanguage":"ro-RO","@id":"https:\/\/123credit.ro\/blog\/avansul-minim-pentru-un-credit-ipotecar\/#primaryimage","url":"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2025\/03\/Propuneri-vizualuri-Blog-4.jpg","contentUrl":"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2025\/03\/Propuneri-vizualuri-Blog-4.jpg","width":940,"height":788,"caption":"Avansul minim pentru un credit ipotecar: ce trebuie s\u0103 \u0219tii"},{"@type":"BreadcrumbList","@id":"https:\/\/123credit.ro\/blog\/avansul-minim-pentru-un-credit-ipotecar\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/123credit.ro\/blog\/"},{"@type":"ListItem","position":2,"name":"Avansul minim pentru un credit ipotecar: Ce trebuie s\u0103 \u0219tii"}]},{"@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\/2673","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=2673"}],"version-history":[{"count":5,"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/posts\/2673\/revisions"}],"predecessor-version":[{"id":5958,"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/posts\/2673\/revisions\/5958"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/media\/2674"}],"wp:attachment":[{"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/media?parent=2673"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/categories?post=2673"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/tags?post=2673"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}