{"id":2679,"date":"2025-03-18T17:13:45","date_gmt":"2025-03-18T15:13:45","guid":{"rendered":"https:\/\/123credit.ro\/blog\/?p=2679"},"modified":"2026-09-14T11:59:48","modified_gmt":"2026-09-14T08:59:48","slug":"prima-casa-2025-tot-ce-trebuie-sa-stii-despre-avans-doband-si-conditii","status":"publish","type":"post","link":"https:\/\/123credit.ro\/blog\/prima-casa-2025-tot-ce-trebuie-sa-stii-despre-avans-doband-si-conditii\/","title":{"rendered":"Prima Cas\u0103 2026: Tot ce trebuie s\u0103 \u0219tii despre avans, dob\u00e2nd\u0103 \u0219i condi\u021bii"},"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\"> 11<\/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>Programul Prima Cas\u0103, redenumit \u00een &#8222;<a href=\"https:\/\/www.fngcimm.ro\/noua-casa\">Noua Cas\u0103<\/a>&#8222;, r\u0103m\u00e2ne \u0219i \u00een 2026 una dintre cele mai populare solu\u021bii pentru achizi\u021bia unei locuin\u021be cu sprijin guvernamental. Guvernul a aprobat \u00een mai 2026 continuarea programului, cu un plafon de garantare de 500 de milioane de lei, men\u021binut la nivelul anului trecut.<\/p>\n<p>Comparativ cu anii anteriori, \u00een 2026 nu s-au anun\u021bat modific\u0103ri majore \u00een structura de baz\u0103 a programului, \u00eens\u0103 r\u0103m\u00e2n valabile cerin\u021bele stricte privind eligibilitatea beneficiarilor \u0219i condi\u021biile de creditare.<\/p>\n<h2 class=\"\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><strong>Condi\u021bii de eligibilitate pentru Prima Cas\u0103 2026<\/strong><\/h2>\n<p>Pentru a accesa programul Prima Cas\u0103 \u00een 2026, beneficiarii trebuie s\u0103 \u00eendeplineasc\u0103 anumite criterii impuse de stat, care includ:<\/p>\n<ul>\n<li>S\u0103 nu de\u021bin\u0103 \u00een proprietate o locuin\u021b\u0103 cu o suprafa\u021b\u0103 util\u0103 mai mare de 50 mp;<\/li>\n<li>S\u0103 achizi\u021bioneze o locuin\u021b\u0103 ce se \u00eencadreaz\u0103 \u00een plafoanele stabilite (p\u00e2n\u0103 la 70.000 euro pentru avans de 5%, respectiv p\u00e2n\u0103 la 140.000 euro pentru avans de 15%);<\/li>\n<li>S\u0103 ob\u021bin\u0103 acordul de garantare din partea FNGCIMM;<\/li>\n<li>S\u0103 fie cet\u0103\u021beni rom\u00e2ni, cu domiciliul stabil \u00een Rom\u00e2nia;<\/li>\n<li>S\u0103 nu aib\u0103 alte credite ipotecare active la momentul aplic\u0103rii.<\/li>\n<\/ul>\n<p><b>Not\u0103 important\u0103: <\/b>\u00cen ceea ce prive\u0219te limita de v\u00e2rst\u0103, de\u0219i oficial nu exist\u0103 o restric\u021bie direct\u0103, b\u0103ncile pot aplica propriile reguli privind perioada de rambursare \u0219i v\u00e2rsta maxim\u0103 la finalul creditului.<\/p>\n<p>Majoritatea beneficiarilor din anii anteriori au fost tineri cu v\u00e2rste \u00eentre 26 \u0219i 35 de ani, iar limita neoficial\u0103 acceptat\u0103 de majoritatea b\u0103ncilor este ca varsta maxima sa fie de 65 de ani la finalul perioadei de creditare.<\/p>\n<h2 class=\"\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><strong>Avans minim pentru Prima Cas\u0103 2026<\/strong><\/h2>\n<p>Unul dintre cele mai importante aspecte pentru cei interesa\u021bi de Prima Cas\u0103 2026 este avansul necesar pentru a accesa programul.<\/p>\n<p>Pentru locuin\u021bele cu o valoare de p\u00e2n\u0103 la 70.000 de euro, avansul minim r\u0103m\u00e2ne 5%, ceea ce \u00eenseamn\u0103 un aport personal redus fa\u021b\u0103 de un credit ipotecar standard. Condi\u021bia a fost reconfirmat\u0103 prin hot\u0103r\u00e2rea de Guvern din mai 2026, care men\u021bine avansul minim de 5%.<\/p>\n<p>Aceast\u0103 diferen\u021biere este neschimbat\u0103 de mai mul\u021bi ani, conform reglement\u0103rilor adoptate de Guvern \u0219i FNGCIMM. Recomandarea speciali\u0219tilor este ca poten\u021bialii beneficiari s\u0103 \u00ee\u0219i planifice atent bugetul, lu\u00e2nd \u00een calcul \u0219i alte cheltuieli suplimentare, precum notar, evaluare sau taxe de \u00eenregistrare.<\/p>\n<h2 class=\"\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><strong>Dob\u00e2nda pentru Prima Cas\u0103 2026<\/strong><\/h2>\n<p>Dob\u00e2nda aplicat\u0103 creditelor din programul Prima Cas\u0103 2026 continu\u0103 s\u0103 fie una variabil\u0103, calculat\u0103 \u00een func\u021bie de indicele IRCC la care se adaug\u0103 o marj\u0103 fix\u0103 stabilit\u0103 de banc\u0103.<\/p>\n<p><b>Un dezavantaj important al programului <\/b>este c\u0103 nu permite op\u021biunea unei dob\u00e2nzi fixe. Beneficiarii vor accesa exclusiv credite cu dob\u00e2nd\u0103 variabil\u0103, influen\u021bat\u0103 de IRCC.<\/p>\n<p>Dob\u00e2nda aplicat\u0103 creditelor din programul Prima Cas\u0103 2026 este format\u0103 dintr-o marj\u0103 fix\u0103 de 2% a b\u0103ncii + IRCC (indice ce se modific\u0103 o dat\u0103 la trei luni).<\/p>\n<p>\u00cen trimestrul 3 din 2026, IRCC este 5,56%, iar de la 1 octombrie 2026 va fi 5,57%, practic stabil. Valoarea indicelui se actualizeaz\u0103 trimestrial, a\u0219a c\u0103 verific\u0103 nivelul curent \u00eenainte de a face calculul ratei.<\/p>\n<p>Pentru a \u00een\u021belege mai bine cum func\u021bioneaz\u0103 un calculator de credit \u0219i cum \u00ee\u021bi poate simplifica procesul de simulare a ratelor, \u00ee\u021bi recomand\u0103m s\u0103 parcurgi \u0219i ghidul nostru complet: <em><a style=\"color: var(--awb-color5);\" href=\"https:\/\/123credit.ro\/blog\/calculator-credit-prima-casa\/\"><b>Calculator credit Prima Cas\u0103: Cum te ajut\u0103 s\u0103 \u00ee\u021bi planifici achizi\u021bia unei locuin\u021be.<\/b><\/a><\/em><\/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\"><strong>Contractul de garantare pentru Prima Cas\u0103 \u00een 2026<\/strong><\/h2>\n<p>Contractul de garantare \u00een cadrul programului Prima Cas\u0103 2026 reglementeaz\u0103 modul \u00een care statul, prin FNGCIMM, sprijin\u0103 creditul accesat de beneficiar.<\/p>\n<p>Statul acord\u0103 garan\u021bii diferen\u021biate \u00een func\u021bie de tipul \u0219i valoarea locuin\u021bei achizi\u021bionate:<\/p>\n<ul>\n<li>Garan\u021bie de p\u00e2n\u0103 la 60% pentru credite \u00eentre 59.501 \u0219i 119.000 euro, destinate achizi\u021biei de locuin\u021be noi, cu un avans minim de 15%;<\/li>\n<li>Garan\u021bie de p\u00e2n\u0103 la 50% pentru credite de p\u00e2n\u0103 la 66.500 euro, \u00een cazul locuin\u021belor noi, cu avans minim de 5%;<\/li>\n<li>Garan\u021bie de p\u00e2n\u0103 la 50% \u0219i pentru locuin\u021bele vechi, \u00een limita aceleia\u0219i valori de 66.500 euro, cu un avans minim de 5%.<\/li>\n<\/ul>\n<h2 class=\"\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><strong>Prima Cas\u0103 2026 vs. Credit ipotecar \u00een 2026<\/strong><\/h2>\n<p>Diferen\u021bele dintre Prima Cas\u0103 \u0219i un credit ipotecar standard r\u0103m\u00e2n semnificative \u0219i \u00een 2026. Programul Prima Cas\u0103 se adreseaz\u0103 \u00een special celor care nu dispun de un avans mare \u0219i care vor s\u0103 beneficieze de garan\u021bia statului pentru a reduce riscurile bancare. Astfel, avansul minim \u00eencepe de la 5% pentru locuin\u021bele cu valoare de p\u00e2n\u0103 la 70.000 de euro.<\/p>\n<p>\u00cen schimb, un credit ipotecar standard vine cu o flexibilitate mai mare \u00een ceea ce prive\u0219te tipul imobilului achizi\u021bionat, op\u021biunile de rambursare \u0219i negocierea marjei de dob\u00e2nd\u0103.<\/p>\n<p>Totu\u0219i, avansul minim \u00een cazul unui credit ipotecar clasic porne\u0219te de regul\u0103 de la 15% sau chiar 25%, \u00een func\u021bie de banca aleas\u0103 \u0219i de profilul clientului.<\/p>\n<p>Iar \u00een ceea ce prive\u0219te refinan\u021barea, aceasta a devenit posibil\u0103 din 2024: FNGCIMM emite acordul de refinan\u021bare la cererea beneficiarului, cu condi\u021bia ramburs\u0103rii integrale a creditului garantat prin program. Interdic\u021bia de \u00eenstr\u0103inare a locuin\u021bei \u00een primii 5 ani r\u0103m\u00e2ne \u00eens\u0103 valabil\u0103.<\/p>\n<h3><strong>Simulare Prima Cas\u0103 2026<\/strong><\/h3>\n<p>Alegerea \u00eentre cele dou\u0103 variante depinde de situa\u021bia ta financiar\u0103 \u0219i de nevoile pe termen lung.<\/p>\n<p>Pentru o analiz\u0103 personalizat\u0103 \u0219i rapid\u0103, po\u021bi folosi direct <em><a style=\"color: var(--awb-color5);\" href=\"https:\/\/123credit.ro\/credit-casa\"><b>instrumentul nostru de simulare<\/b><\/a> <\/em>\u0219i comparare credite. Vei putea vedea \u00een c\u00e2teva minute cum arat\u0103 ratele lunare \u0219i costurile totale pentru Prima Cas\u0103 2026, dar \u0219i cum se compar\u0103 cu alte op\u021biuni disponibile pe pia\u021b\u0103.<\/p>\n<p>Dac\u0103 vrei s\u0103 \u00een\u021belegi mai bine cum func\u021bioneaz\u0103 un calculator de credit \u00een general \u0219i cum te poate ajuta \u00een luarea unei decizii financiare informate, cite\u0219te \u0219i <em><a href=\"https:\/\/123credit.ro\/blog\/calculatorul-de-credit\/\"><span style=\"color: var(--awb-color5);\"><b>acest articol dedicat<\/b><\/span>.<\/a><\/em><\/p>\n<div class=\"video-shortcode\">\n<blockquote class=\"tiktok-embed\" cite=\"https:\/\/www.tiktok.com\/@123credit.ro\/video\/7547717307250789654\" data-video-id=\"7547717307250789654\" data-embed-from=\"oembed\" style=\"max-width:605px; min-width:325px;\">\n<section> <a target=\"_blank\" title=\"@123credit.ro\" href=\"https:\/\/www.tiktok.com\/@123credit.ro?refer=embed\">@123credit.ro<\/a> <\/p>\n<p>\ud83c\udf1f Simplu \u0219i transparent: credit negarantat.     Ai lua un credit f\u0103r\u0103 ipotec\u0103? \ud83e\udd14     123Credit Garan\u021bie Credit Educa\u021bieFinanciar\u0103 fyp<\/p>\n<p> <a target=\"_blank\" title=\"\u266c Background Music - chill supply\" href=\"https:\/\/www.tiktok.com\/music\/Background-Music-6869173420207114241?refer=embed\">\u266c Background Music &#8211; chill supply<\/a> <\/section>\n<\/blockquote>\n<p> <script async src=\"https:\/\/www.tiktok.com\/embed.js\"><\/script><\/div>\n<h2 class=\"\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><strong>Concluzie<\/strong><\/h2>\n<p>Programul Prima Cas\u0103 2026 continu\u0103 s\u0103 fie o solu\u021bie viabil\u0103 pentru cei care vor s\u0103 achizi\u021bioneze o locuin\u021b\u0103 \u00een condi\u021bii avantajoase, cu un avans redus \u0219i sprijin guvernamental. Cu toate c\u0103 evolu\u021bia IRCC \u0219i dob\u00e2nzile variabile pot ridica semne de \u00eentrebare, pentru mul\u021bi beneficiari programul r\u0103m\u00e2ne accesibil \u0219i eficient.<\/p>\n<p>Te \u00eencuraj\u0103m s\u0103 te informezi corect, s\u0103 compari variantele de finan\u021bare disponibile \u0219i s\u0103 analizezi simul\u0103rile de costuri pentru a lua decizia potrivit\u0103.<\/p>\n<p>Dac\u0103 vrei un proces facil \u0219i f\u0103r\u0103 b\u0103t\u0103i de cap,<em> <a href=\"https:\/\/123credit.ro\/despre-noi\"><span style=\"color: var(--awb-color5);\"><b>echipa noastr\u0103 de speciali\u0219ti<\/b><\/span> <\/a><\/em>te poate ajuta s\u0103 alegi cea mai bun\u0103 ofert\u0103 de creditare disponibil\u0103 pe pia\u021b\u0103. Analiz\u0103m \u00eempreun\u0103 condi\u021biile tale financiare \u0219i \u00ee\u021bi oferim consultan\u021b\u0103 personalizat\u0103, astfel \u00eenc\u00e2t s\u0103 iei o decizie informat\u0103 \u0219i avantajoas\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><strong>Ce condi\u021bii trebuie s\u0103 \u00eendepline\u0219ti pentru Prima Cas\u0103?<\/strong><\/li>\n<\/ol>\n<p>S\u0103 nu de\u021bii o locuin\u021b\u0103 cu suprafa\u021b\u0103 util\u0103 mai mare de 50 mp \u0219i s\u0103 nu ai alt credit ipotecar activ, s\u0103 cumperi o locuin\u021b\u0103 \u00een plafonul de 70.000 euro (avans 5%) sau 140.000 euro (avans 15%, doar locuin\u021be noi) \u0219i s\u0103 prime\u0219ti acordul de garantare de la FNGCIMM.<\/p>\n<ol start=\"2\">\n<li><strong>Care este avansul minim pentru Prima Cas\u0103 \u00een 2026?<\/strong><\/li>\n<\/ol>\n<p>R\u0103m\u00e2ne 5% pentru locuin\u021bele de p\u00e2n\u0103 la 70.000 de euro \u2014 cel mai mic avans de pe pia\u021b\u0103. Pentru locuin\u021bele noi \u00eentre 70.000 \u0219i 140.000 de euro, avansul minim este 15%. Condi\u021biile au fost reconfirmate prin hot\u0103r\u00e2rea de Guvern din mai 2026.<\/p>\n<ol start=\"3\">\n<li><strong>Ce v\u00e2rst\u0103 trebuie s\u0103 ai pentru Prima Cas\u0103?<\/strong><\/li>\n<\/ol>\n<p>Programul nu impune o limit\u0103 oficial\u0103 de v\u00e2rst\u0103. \u00cen practic\u0103, b\u0103ncile cer ca la finalul perioadei de creditare s\u0103 nu dep\u0103\u0219e\u0219ti 65 de ani. Deci, la un credit pe 30 de ani, v\u00e2rsta maxim\u0103 la aplicare este \u00een jur de 35 de ani, iar la v\u00e2rste mai mari se scurteaz\u0103 durata.<\/p>\n<ol start=\"4\">\n<li><strong>Ce salariu trebuie s\u0103 ai pentru un credit de 60.000 de euro?<\/strong><\/li>\n<\/ol>\n<p>Orientativ, la nivelul actual al dob\u00e2nzilor (IRCC + 2%), rata unui credit \u00een lei echivalent cu 60.000 de euro pe 30 de ani este de aproximativ 2.100\u20132.200 de lei. Cu gradul de \u00eendatorare de maximum 40\u201345%, ai nevoie de un venit net de la circa 5.000 de lei, f\u0103r\u0103 alte rate \u00een derulare. Calculul exact \u021bi-l face un broker, gratuit.<\/p>\n<ol start=\"5\">\n<li><strong>Se nume\u0219te Prima Cas\u0103 sau Noua Cas\u0103 \u00een 2026?<\/strong><\/li>\n<\/ol>\n<p>Oficial, programul este numit \u201eNoua Cas\u0103\u201d, \u00eens\u0103 mul\u021bi \u00eenc\u0103 folosesc denumirea clasic\u0103 \u201ePrima Cas\u0103\u201d. \u00cen esen\u021b\u0103, cele dou\u0103 denumiri fac referire la acela\u0219i program guvernamental.<\/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\"> 11<\/span> <span class=\"rt-label rt-postfix\">minute<\/span><\/span><\/p>\n","protected":false},"author":14,"featured_media":2680,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[52],"tags":[],"class_list":["post-2679","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-vocea-brokerului"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Prima Cas\u0103 2026: Tot ce trebuie s\u0103 \u0219tii despre avans, dob\u00e2nd\u0103 \u0219i condi\u021bii - Blogul 123Credit<\/title>\n<meta name=\"description\" content=\"Prima Cas\u0103 2025 vine cu noi oportunit\u0103\u021bi pentru viitorii proprietari. Uite condi\u021biile avantajoase \u0219i informa\u021biile esen\u021biale.\" \/>\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\/prima-casa-2025-tot-ce-trebuie-sa-stii-despre-avans-doband-si-conditii\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Prima Cas\u0103 2026: Tot ce trebuie s\u0103 \u0219tii despre avans, dob\u00e2nd\u0103 \u0219i condi\u021bii - Blogul 123Credit\" \/>\n<meta property=\"og:description\" content=\"Prima Cas\u0103 2025 vine cu noi oportunit\u0103\u021bi pentru viitorii proprietari. Uite condi\u021biile avantajoase \u0219i informa\u021biile esen\u021biale.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/123credit.ro\/blog\/prima-casa-2025-tot-ce-trebuie-sa-stii-despre-avans-doband-si-conditii\/\" \/>\n<meta property=\"og:site_name\" content=\"Blogul 123Credit\" \/>\n<meta property=\"article:published_time\" content=\"2025-03-18T15:13:45+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-09-14T08:59:48+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2025\/03\/Propuneri-vizualuri-Blog-5.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=\"16 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/prima-casa-2025-tot-ce-trebuie-sa-stii-despre-avans-doband-si-conditii\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/prima-casa-2025-tot-ce-trebuie-sa-stii-despre-avans-doband-si-conditii\\\/\"},\"author\":{\"name\":\"C\u0103t\u0103lin Fetea\",\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/#\\\/schema\\\/person\\\/bfcb4236ba2de73f6201feecd8332ea9\"},\"headline\":\"Prima Cas\u0103 2026: Tot ce trebuie s\u0103 \u0219tii despre avans, dob\u00e2nd\u0103 \u0219i condi\u021bii\",\"datePublished\":\"2025-03-18T15:13:45+00:00\",\"dateModified\":\"2026-09-14T08:59:48+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/prima-casa-2025-tot-ce-trebuie-sa-stii-despre-avans-doband-si-conditii\\\/\"},\"wordCount\":5231,\"commentCount\":0,\"image\":{\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/prima-casa-2025-tot-ce-trebuie-sa-stii-despre-avans-doband-si-conditii\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/wp-content\\\/uploads\\\/2025\\\/03\\\/Propuneri-vizualuri-Blog-5.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\"],\"inLanguage\":\"ro-RO\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/123credit.ro\\\/blog\\\/prima-casa-2025-tot-ce-trebuie-sa-stii-despre-avans-doband-si-conditii\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/prima-casa-2025-tot-ce-trebuie-sa-stii-despre-avans-doband-si-conditii\\\/\",\"url\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/prima-casa-2025-tot-ce-trebuie-sa-stii-despre-avans-doband-si-conditii\\\/\",\"name\":\"Prima Cas\u0103 2026: Tot ce trebuie s\u0103 \u0219tii despre avans, dob\u00e2nd\u0103 \u0219i condi\u021bii - Blogul 123Credit\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/prima-casa-2025-tot-ce-trebuie-sa-stii-despre-avans-doband-si-conditii\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/prima-casa-2025-tot-ce-trebuie-sa-stii-despre-avans-doband-si-conditii\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/wp-content\\\/uploads\\\/2025\\\/03\\\/Propuneri-vizualuri-Blog-5.jpg\",\"datePublished\":\"2025-03-18T15:13:45+00:00\",\"dateModified\":\"2026-09-14T08:59:48+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/#\\\/schema\\\/person\\\/bfcb4236ba2de73f6201feecd8332ea9\"},\"description\":\"Prima Cas\u0103 2025 vine cu noi oportunit\u0103\u021bi pentru viitorii proprietari. Uite condi\u021biile avantajoase \u0219i informa\u021biile esen\u021biale.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/prima-casa-2025-tot-ce-trebuie-sa-stii-despre-avans-doband-si-conditii\\\/#breadcrumb\"},\"inLanguage\":\"ro-RO\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/123credit.ro\\\/blog\\\/prima-casa-2025-tot-ce-trebuie-sa-stii-despre-avans-doband-si-conditii\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"ro-RO\",\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/prima-casa-2025-tot-ce-trebuie-sa-stii-despre-avans-doband-si-conditii\\\/#primaryimage\",\"url\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/wp-content\\\/uploads\\\/2025\\\/03\\\/Propuneri-vizualuri-Blog-5.jpg\",\"contentUrl\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/wp-content\\\/uploads\\\/2025\\\/03\\\/Propuneri-vizualuri-Blog-5.jpg\",\"width\":940,\"height\":788,\"caption\":\"Prima Cas\u0103 2025: Tot ce trebuie s\u0103 \u0219tii despre avans, dob\u00e2nd\u0103 \u0219i condi\u021bii\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/prima-casa-2025-tot-ce-trebuie-sa-stii-despre-avans-doband-si-conditii\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Prima Cas\u0103 2026: Tot ce trebuie s\u0103 \u0219tii despre avans, dob\u00e2nd\u0103 \u0219i condi\u021bii\"}]},{\"@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":"Prima Cas\u0103 2026: Tot ce trebuie s\u0103 \u0219tii despre avans, dob\u00e2nd\u0103 \u0219i condi\u021bii - Blogul 123Credit","description":"Prima Cas\u0103 2025 vine cu noi oportunit\u0103\u021bi pentru viitorii proprietari. Uite condi\u021biile avantajoase \u0219i informa\u021biile esen\u021biale.","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\/prima-casa-2025-tot-ce-trebuie-sa-stii-despre-avans-doband-si-conditii\/","og_locale":"ro_RO","og_type":"article","og_title":"Prima Cas\u0103 2026: Tot ce trebuie s\u0103 \u0219tii despre avans, dob\u00e2nd\u0103 \u0219i condi\u021bii - Blogul 123Credit","og_description":"Prima Cas\u0103 2025 vine cu noi oportunit\u0103\u021bi pentru viitorii proprietari. Uite condi\u021biile avantajoase \u0219i informa\u021biile esen\u021biale.","og_url":"https:\/\/123credit.ro\/blog\/prima-casa-2025-tot-ce-trebuie-sa-stii-despre-avans-doband-si-conditii\/","og_site_name":"Blogul 123Credit","article_published_time":"2025-03-18T15:13:45+00:00","article_modified_time":"2026-09-14T08:59:48+00:00","og_image":[{"width":940,"height":788,"url":"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2025\/03\/Propuneri-vizualuri-Blog-5.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":"16 minute"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/123credit.ro\/blog\/prima-casa-2025-tot-ce-trebuie-sa-stii-despre-avans-doband-si-conditii\/#article","isPartOf":{"@id":"https:\/\/123credit.ro\/blog\/prima-casa-2025-tot-ce-trebuie-sa-stii-despre-avans-doband-si-conditii\/"},"author":{"name":"C\u0103t\u0103lin Fetea","@id":"https:\/\/123credit.ro\/blog\/#\/schema\/person\/bfcb4236ba2de73f6201feecd8332ea9"},"headline":"Prima Cas\u0103 2026: Tot ce trebuie s\u0103 \u0219tii despre avans, dob\u00e2nd\u0103 \u0219i condi\u021bii","datePublished":"2025-03-18T15:13:45+00:00","dateModified":"2026-09-14T08:59:48+00:00","mainEntityOfPage":{"@id":"https:\/\/123credit.ro\/blog\/prima-casa-2025-tot-ce-trebuie-sa-stii-despre-avans-doband-si-conditii\/"},"wordCount":5231,"commentCount":0,"image":{"@id":"https:\/\/123credit.ro\/blog\/prima-casa-2025-tot-ce-trebuie-sa-stii-despre-avans-doband-si-conditii\/#primaryimage"},"thumbnailUrl":"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2025\/03\/Propuneri-vizualuri-Blog-5.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"],"inLanguage":"ro-RO","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/123credit.ro\/blog\/prima-casa-2025-tot-ce-trebuie-sa-stii-despre-avans-doband-si-conditii\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/123credit.ro\/blog\/prima-casa-2025-tot-ce-trebuie-sa-stii-despre-avans-doband-si-conditii\/","url":"https:\/\/123credit.ro\/blog\/prima-casa-2025-tot-ce-trebuie-sa-stii-despre-avans-doband-si-conditii\/","name":"Prima Cas\u0103 2026: Tot ce trebuie s\u0103 \u0219tii despre avans, dob\u00e2nd\u0103 \u0219i condi\u021bii - Blogul 123Credit","isPartOf":{"@id":"https:\/\/123credit.ro\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/123credit.ro\/blog\/prima-casa-2025-tot-ce-trebuie-sa-stii-despre-avans-doband-si-conditii\/#primaryimage"},"image":{"@id":"https:\/\/123credit.ro\/blog\/prima-casa-2025-tot-ce-trebuie-sa-stii-despre-avans-doband-si-conditii\/#primaryimage"},"thumbnailUrl":"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2025\/03\/Propuneri-vizualuri-Blog-5.jpg","datePublished":"2025-03-18T15:13:45+00:00","dateModified":"2026-09-14T08:59:48+00:00","author":{"@id":"https:\/\/123credit.ro\/blog\/#\/schema\/person\/bfcb4236ba2de73f6201feecd8332ea9"},"description":"Prima Cas\u0103 2025 vine cu noi oportunit\u0103\u021bi pentru viitorii proprietari. Uite condi\u021biile avantajoase \u0219i informa\u021biile esen\u021biale.","breadcrumb":{"@id":"https:\/\/123credit.ro\/blog\/prima-casa-2025-tot-ce-trebuie-sa-stii-despre-avans-doband-si-conditii\/#breadcrumb"},"inLanguage":"ro-RO","potentialAction":[{"@type":"ReadAction","target":["https:\/\/123credit.ro\/blog\/prima-casa-2025-tot-ce-trebuie-sa-stii-despre-avans-doband-si-conditii\/"]}]},{"@type":"ImageObject","inLanguage":"ro-RO","@id":"https:\/\/123credit.ro\/blog\/prima-casa-2025-tot-ce-trebuie-sa-stii-despre-avans-doband-si-conditii\/#primaryimage","url":"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2025\/03\/Propuneri-vizualuri-Blog-5.jpg","contentUrl":"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2025\/03\/Propuneri-vizualuri-Blog-5.jpg","width":940,"height":788,"caption":"Prima Cas\u0103 2025: Tot ce trebuie s\u0103 \u0219tii despre avans, dob\u00e2nd\u0103 \u0219i condi\u021bii"},{"@type":"BreadcrumbList","@id":"https:\/\/123credit.ro\/blog\/prima-casa-2025-tot-ce-trebuie-sa-stii-despre-avans-doband-si-conditii\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/123credit.ro\/blog\/"},{"@type":"ListItem","position":2,"name":"Prima Cas\u0103 2026: Tot ce trebuie s\u0103 \u0219tii despre avans, dob\u00e2nd\u0103 \u0219i condi\u021bii"}]},{"@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\/2679","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=2679"}],"version-history":[{"count":6,"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/posts\/2679\/revisions"}],"predecessor-version":[{"id":6203,"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/posts\/2679\/revisions\/6203"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/media\/2680"}],"wp:attachment":[{"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/media?parent=2679"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/categories?post=2679"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/tags?post=2679"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}