{"id":2855,"date":"2025-04-13T12:00:31","date_gmt":"2025-04-13T09:00:31","guid":{"rendered":"https:\/\/123credit.ro\/blog\/?p=2855"},"modified":"2025-04-11T15:12:11","modified_gmt":"2025-04-11T12:12:11","slug":"avans-pentru-credit-ipotecar-cat-trebuie-sa-platesti-si-ce-trebuie-sa-stii","status":"publish","type":"post","link":"https:\/\/123credit.ro\/blog\/avans-pentru-credit-ipotecar-cat-trebuie-sa-platesti-si-ce-trebuie-sa-stii\/","title":{"rendered":"Avans pentru credit ipotecar: c\u00e2t trebuie s\u0103 pl\u0103te\u0219ti \u0219i 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\"> &lt; 1<\/span> <span class=\"rt-label rt-postfix\">minut<\/span><\/span><p class=\"p3\">Unul dintre cele mai importante aspecte c\u00e2nd aplici pentru un credit ipotecar este valoarea avansului. \u00cen func\u021bie de suma pe care o po\u021bi pl\u0103ti ini\u021bial, se stabile\u0219te \u0219i suma maxim\u0103 ce poate fi \u00eemprumutat\u0103. Tocmai de aceea, este esen\u021bial s\u0103 \u00een\u021belegi exact ce presupune un <span class=\"s2\"><b>avans pentru credit ipotecar<\/b><\/span>.<\/p>\n<h2><b>Cum se stabile\u0219te avansul pentru credit ipotecar?<\/b><\/h2>\n<p class=\"p3\">Valoarea avansului difer\u0103 \u00een func\u021bie de mai mul\u021bi factori:<\/p>\n<ul>\n<li>\n<p class=\"p1\">Tipul creditului: credit standard sau credit prin programul Noua Cas\u0103.<\/p>\n<\/li>\n<li>\n<p class=\"p1\">Moneda \u00een care este acordat \u00eemprumutul (lei sau valut\u0103).<\/p>\n<\/li>\n<li>\n<p class=\"p1\">Politica fiec\u0103rei b\u0103nci \u0219i gradul de risc asociat.<\/p>\n<\/li>\n<\/ul>\n<p class=\"p3\">De regul\u0103, avansul porne\u0219te de la <span class=\"s2\"><b>15%<\/b><\/span> pentru creditele standard \u00een lei \u0219i poate ajunge p\u00e2n\u0103 la <span class=\"s2\"><b>25%-40%<\/b><\/span> \u00een cazul creditelor \u00een valut\u0103, dac\u0103 veniturile tale sunt \u00een alt\u0103 moned\u0103 dec\u00e2t cea a creditului.<\/p>\n<h2><b>Avans pentru credit ipotecar \u2013 c\u00e2t trebuie s\u0103 economise\u0219ti?<\/b><\/h2>\n<p class=\"p3\">Pentru a ob\u021bine un credit ipotecar, este recomandat s\u0103 ai o sum\u0103 preg\u0103tit\u0103 pentru avans, dar \u0219i pentru alte cheltuieli colaterale (notar, evaluare, asigurare etc.). Cu c\u00e2t ai un avans mai mare, cu at\u00e2t rata lunar\u0103 poate fi mai mic\u0103, iar dob\u00e2nda \u2013 mai avantajoas\u0103.<\/p>\n<p class=\"p3\">???? Afl\u0103 toate detaliile despre calculul \u0219i procentul minim necesar pentru <span class=\"s2\"><b>avansul unui credit ipotecar<\/b><\/span>, \u00een articolul complet de pe blog: <a href=\"https:\/\/123credit.ro\/blog\/avans-credit-ipotecar\/\">Avans credit ipotecar: Ce e bine s\u0103 \u0219tii.<\/a><\/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\"> &lt; 1<\/span> <span class=\"rt-label rt-postfix\">minut<\/span><\/span>Unul dintre cele mai importante aspecte c\u00e2nd aplici pentru un credit ipotecar este valoarea avansului. \u00cen func\u021bie de suma pe care o po\u021bi pl\u0103ti ini\u021bial, se stabile\u0219te \u0219i suma maxim\u0103 ce poate fi \u00eemprumutat\u0103. Tocmai de aceea, este esen\u021bial s\u0103 \u00een\u021belegi exact ce presupune un avans pentru credit ipotecar. Cum se stabile\u0219te avansul pentru credit ipotecar? Valoarea avansului difer\u0103 \u00een  [&#8230;]<\/p>\n","protected":false},"author":14,"featured_media":2856,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-2855","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-cum-alegi-credit-ipotecar"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Avans pentru credit ipotecar: c\u00e2t trebuie s\u0103 pl\u0103te\u0219ti \u0219i ce trebuie s\u0103 \u0219tii - Blogul 123Credit<\/title>\n<meta name=\"description\" content=\"Afl\u0103 c\u00e2t trebuie s\u0103 pl\u0103te\u0219ti avans pentru credit ipotecar \u0219i care sunt condi\u021biile impuse de b\u0103nci \u00een 2025.\" \/>\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\/avans-pentru-credit-ipotecar-cat-trebuie-sa-platesti-si-ce-trebuie-sa-stii\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Avans pentru credit ipotecar: c\u00e2t trebuie s\u0103 pl\u0103te\u0219ti \u0219i ce trebuie s\u0103 \u0219tii - Blogul 123Credit\" \/>\n<meta property=\"og:description\" content=\"Afl\u0103 c\u00e2t trebuie s\u0103 pl\u0103te\u0219ti avans pentru credit ipotecar \u0219i care sunt condi\u021biile impuse de b\u0103nci \u00een 2025.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/123credit.ro\/blog\/avans-pentru-credit-ipotecar-cat-trebuie-sa-platesti-si-ce-trebuie-sa-stii\/\" \/>\n<meta property=\"og:site_name\" content=\"Blogul 123Credit\" \/>\n<meta property=\"article:published_time\" content=\"2025-04-13T09:00:31+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2025\/04\/Propuneri-vizualuri-Blog-12.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"940\" \/>\n\t<meta property=\"og:image:height\" content=\"788\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"C\u0103t\u0103lin Fetea\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Scris de\" \/>\n\t<meta name=\"twitter:data1\" content=\"C\u0103t\u0103lin Fetea\" \/>\n\t<meta name=\"twitter:label2\" content=\"Timp estimat pentru citire\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/avans-pentru-credit-ipotecar-cat-trebuie-sa-platesti-si-ce-trebuie-sa-stii\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/avans-pentru-credit-ipotecar-cat-trebuie-sa-platesti-si-ce-trebuie-sa-stii\\\/\"},\"author\":{\"name\":\"C\u0103t\u0103lin Fetea\",\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/#\\\/schema\\\/person\\\/bfcb4236ba2de73f6201feecd8332ea9\"},\"headline\":\"Avans pentru credit ipotecar: c\u00e2t trebuie s\u0103 pl\u0103te\u0219ti \u0219i ce trebuie s\u0103 \u0219tii\",\"datePublished\":\"2025-04-13T09:00:31+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/avans-pentru-credit-ipotecar-cat-trebuie-sa-platesti-si-ce-trebuie-sa-stii\\\/\"},\"wordCount\":244,\"commentCount\":0,\"image\":{\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/avans-pentru-credit-ipotecar-cat-trebuie-sa-platesti-si-ce-trebuie-sa-stii\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/wp-content\\\/uploads\\\/2025\\\/04\\\/Propuneri-vizualuri-Blog-12.jpg\",\"articleSection\":[\"Blogul 123Credit te ajuta sa alegi cel mai bun credit ipotecar\"],\"inLanguage\":\"ro-RO\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/123credit.ro\\\/blog\\\/avans-pentru-credit-ipotecar-cat-trebuie-sa-platesti-si-ce-trebuie-sa-stii\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/avans-pentru-credit-ipotecar-cat-trebuie-sa-platesti-si-ce-trebuie-sa-stii\\\/\",\"url\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/avans-pentru-credit-ipotecar-cat-trebuie-sa-platesti-si-ce-trebuie-sa-stii\\\/\",\"name\":\"Avans pentru credit ipotecar: c\u00e2t trebuie s\u0103 pl\u0103te\u0219ti \u0219i ce trebuie s\u0103 \u0219tii - 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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\/2855","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=2855"}],"version-history":[{"count":1,"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/posts\/2855\/revisions"}],"predecessor-version":[{"id":2857,"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/posts\/2855\/revisions\/2857"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/media\/2856"}],"wp:attachment":[{"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/media?parent=2855"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/categories?post=2855"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/tags?post=2855"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}