{"id":3174,"date":"2025-06-11T16:54:41","date_gmt":"2025-06-11T13:54:41","guid":{"rendered":"https:\/\/123credit.ro\/blog\/?p=3174"},"modified":"2025-06-23T10:58:27","modified_gmt":"2025-06-23T07:58:27","slug":"amanare-rate-vs-refinantare","status":"publish","type":"post","link":"https:\/\/123credit.ro\/blog\/amanare-rate-vs-refinantare\/","title":{"rendered":"Am\u00e2nare rate vs. refinan\u021bare: Ce solu\u021bie \u021bi se potrive\u0219te mai bine?"},"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\"> 6<\/span> <span class=\"rt-label rt-postfix\">minute<\/span><\/span><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><span style=\"font-weight: 400;\">Am\u00e2nare rate sau refinan\u021bare? Este o \u00eentrebare pe care mul\u021bi rom\u00e2ni \u0219i-o pun atunci c\u00e2nd simt c\u0103 bugetul lunar devine prea greu de sus\u021binut. Cre\u0219terea pre\u021burilor, dob\u00e2nzile mai mari \u0219i incertitudinea veniturilor au f\u0103cut ca aceste dou\u0103 op\u021biuni s\u0103 devin\u0103 tot mai populare. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">De\u0219i par asem\u0103n\u0103toare, ele rezolv\u0103 probleme diferite \u0219i implic\u0103 avantaje, riscuri \u0219i condi\u021bii complet diferite.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00cen acest articol \u00ee\u021bi explic\u0103m, pe scurt \u0219i clar, care sunt diferen\u021bele dintre am\u00e2narea ratelor \u0219i refinan\u021bare, c\u00e2nd e bine s\u0103 alegi fiecare variant\u0103 \u0219i cum po\u021bi lua o decizie potrivit\u0103 pentru situa\u021bia ta. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Vom analiza inclusiv implica\u021biile pe termen lung \u0219i cum te poate ajuta un consultant de credite s\u0103 faci alegerea corect\u0103.<\/span><\/p>\n<h2 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><b>Ce presupune am\u00e2narea ratelor<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Am\u00e2narea ratelor \u00eenseamn\u0103 c\u0103, pentru o perioad\u0103 limitat\u0103 \u2013 de obicei \u00eentre 1 \u0219i 9 luni \u2013 nu mai pl\u0103te\u0219ti rata lunar\u0103 a creditului. Aten\u021bie: asta <\/span><b>nu \u00eenseamn\u0103 c\u0103 ratele dispar<\/b><span style=\"font-weight: 400;\">, ci doar c\u0103 sunt \u201e\u00eempinse\u201d \u00een viitor. Dob\u00e2nzile continu\u0103 s\u0103 se acumuleze, iar perioada total\u0103 de rambursare se poate prelungi.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Aceast\u0103 op\u021biune este ideal\u0103 pentru cei care trec printr-o perioad\u0103 financiar\u0103 dificil\u0103 temporar\u0103 (o pierdere de venit, o problem\u0103 medical\u0103 sau alte evenimente neprev\u0103zute). <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Multe b\u0103nci ofer\u0103 aceast\u0103 variant\u0103, \u00eens\u0103 cu anumite condi\u021bii \u0219i pe baza unei cereri justificative.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Dac\u0103 e\u0219ti deja \u00een dificultate \u0219i ai \u00eent\u00e2rzieri, am\u00e2narea poate fi o solu\u021bie de urgen\u021b\u0103. \u00cens\u0103 dac\u0103 situa\u021bia este mai grav\u0103 sau de durat\u0103, este bine s\u0103 analizezi \u0219i varianta de refinan\u021bare, mai ales dac\u0103 vrei s\u0103 reduci rata, dob\u00e2nda sau s\u0103 reorganizezi complet creditul. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Dac\u0103 te afli deja \u00een Biroul de Credit, g\u0103se\u0219ti explica\u021bii clare \u00een <\/span><b><a href=\"https:\/\/123credit.ro\/blog\/refinantare-daca-esti-in-biroul-de-credite\/\"><span style=\"color: var(--awb-color5);\">articolul nostru dedicat<\/span><\/a><span style=\"color: var(--awb-color5);\">.<\/span><\/b><\/p>\n<h2 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><b>Ce \u00eenseamn\u0103 refinan\u021barea unui credit<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Refinan\u021barea presupune <\/span><b>\u00eenlocuirea unui credit existent cu un altul<\/b><span style=\"font-weight: 400;\">, \u00een condi\u021bii mai bune. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Spre deosebire de am\u00e2narea ratelor, care \u00ee\u021bi ofer\u0103 o pauz\u0103 temporar\u0103, refinan\u021barea este <\/span><b>o solu\u021bie de optimizare<\/b><span style=\"font-weight: 400;\"> financiar\u0103 pe termen lung. Po\u021bi ob\u021bine o rat\u0103 lunar\u0103 mai mic\u0103, o dob\u00e2nd\u0103 mai bun\u0103 sau o durat\u0103 de rambursare diferit\u0103, \u00een func\u021bie de ce \u021bi se potrive\u0219te.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Procesul e similar cu cel al unui nou credit: banca va analiza veniturile tale, istoricul de plat\u0103, gradul de \u00eendatorare \u0219i alte documente relevante. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Este o solu\u021bie bun\u0103 dac\u0103 veniturile tale sunt stabile \u0219i vrei s\u0103-\u021bi reduci costurile lunare sau s\u0103 \u00ee\u021bi reorganizezi datoriile.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Exist\u0103 mai multe tipuri de refinan\u021bare, \u00een func\u021bie de obiectiv: reducerea dob\u00e2nzii, modificarea duratei creditului sau ob\u021binerea unor fonduri suplimentare. Toate aceste variante sunt explicate \u00een detaliu \u00een articolul <\/span><b><a href=\"https:\/\/123credit.ro\/blog\/credit-ipotecar-refinantare\/\"><i><span style=\"color: var(--awb-color5);\">Credit ipotecar refinan\u021bare: Cum func\u021bioneaz\u0103 \u0219i c\u00e2nd este o op\u021biune avantajoas\u0103<\/span><\/i><\/a><span style=\"color: var(--awb-color5);\">.<\/span><\/b><\/p>\n<h2 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><b>Ce s\u0103 alegi \u00een func\u021bie de situa\u021bia ta<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Alegerea dintre am\u00e2nare rate \u0219i refinan\u021bare depinde \u00een totalitate de situa\u021bia ta financiar\u0103 curent\u0103. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Nu exist\u0103 o solu\u021bie universal valabil\u0103. Ceea ce func\u021bioneaz\u0103 pentru o persoan\u0103 poate fi complet nepotrivit pentru alta.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Dac\u0103 ai o problem\u0103 <\/span><b>temporar\u0103<\/b><span style=\"font-weight: 400;\"> (pierderea locului de munc\u0103, o cheltuial\u0103 medical\u0103 nea\u0219teptat\u0103 etc.) \u0219i ai nevoie urgent\u0103 de o pauz\u0103, am\u00e2narea ratelor \u00ee\u021bi ofer\u0103 un respiro. Este rapid\u0103, nu implic\u0103 analize detaliate \u0219i te poate ajuta s\u0103 evi\u021bi penaliz\u0103rile \u0219i \u00eent\u00e2rzierile.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Pe de alt\u0103 parte, dac\u0103 veniturile tale <\/span><b>s-au stabilizat<\/b><span style=\"font-weight: 400;\"> \u0219i vrei s\u0103 reduci rata lunar\u0103 sau s\u0103 scapi de o dob\u00e2nd\u0103 prea mare, refinan\u021barea este op\u021biunea potrivit\u0103. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Alegerea celei mai bune oferte nu este \u00eentotdeauna simpl\u0103, mai ales c\u00e2nd diferen\u021bele de dob\u00e2nd\u0103, comisioane \u0219i condi\u021bii sunt greu de interpretat. Dac\u0103 te afli \u00een acest punct, \u00ee\u021bi recomand\u0103m s\u0103 parcurgi articolul dedicat alegerii <\/span><b><a href=\"https:\/\/123credit.ro\/blog\/cea-mai-buna-banca-pentru-refinantare-cum-sa-alegi-oferta-potrivita\/\"><span style=\"color: var(--awb-color5);\">celei mai bune b\u0103nci pentru refinan\u021bare<\/span><\/a><span style=\"color: var(--awb-color5);\">.<\/span><\/b><\/p>\n<h2 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><b>Cum te poate ajuta un specialist \u00een creditare<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">\u00cen astfel de momente, e u\u0219or s\u0103 te sim\u021bi cople\u0219it. Fiecare banc\u0103 are condi\u021bii proprii, formulare diferite \u0219i reguli care se schimb\u0103 de la o lun\u0103 la alta. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">De aceea, sprijinul unui specialist poate face diferen\u021ba dintre o decizie bun\u0103 \u0219i una gr\u0103bit\u0103, care te cost\u0103 \u00een timp.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">O discu\u021bie gratuit\u0103 cu un specialist te poate ajuta s\u0103:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u00een\u021belegi clar dac\u0103 te avantajeaz\u0103 mai mult am\u00e2narea ratelor sau refinan\u021barea,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">analizezi corect impactul asupra bugetului t\u0103u \u0219i al scorului de credit,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">preg\u0103te\u0219ti dosarul complet \u0219i corect din prima,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">evi\u021bi ofertele cu dob\u00e2nzi ascunse sau condi\u021bii dezavantajoase pe termen lung.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Dac\u0103 ai \u00eentreb\u0103ri sau vrei s\u0103 discu\u021bi direct cu cineva, po\u021bi lua leg\u0103tura cu <\/span><b><a style=\"color: var(--awb-color5);\" href=\"https:\/\/123credit.ro\/contact\">speciali\u0219tii no\u0219tri aici<\/a><span style=\"color: var(--awb-color5);\">.<\/span><\/b><\/p>\n<h2 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><b>Concluzie<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Am\u00e2narea ratelor \u0219i refinan\u021barea sunt dou\u0103 solu\u021bii complet diferite, ambele utile dac\u0103 sunt folosite la momentul potrivit. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Am\u00e2narea \u00ee\u021bi ofer\u0103 un r\u0103gaz atunci c\u00e2nd veniturile scad temporar, dar vine cu un cost pe termen lung, prin acumularea de dob\u00e2nzi. Refinan\u021barea, \u00een schimb, \u00ee\u021bi poate reduce rata lunar\u0103 \u0219i costul total al creditului, dar implic\u0103 o analiz\u0103 financiar\u0103 mai riguroas\u0103.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Important este s\u0103 iei o decizie <\/span><i><span style=\"font-weight: 400;\">la rece<\/span><\/i><span style=\"font-weight: 400;\">, nu impulsiv\u0103. Dac\u0103 nu e\u0219ti sigur ce variant\u0103 \u021bi se potrive\u0219te, un consultant te poate ajuta s\u0103 vezi imaginea complet\u0103. La <\/span><a href=\"https:\/\/123credit.ro\/\"><span style=\"font-weight: 400;\">123Credit<\/span><\/a><span style=\"font-weight: 400;\">, vei g\u0103si oameni care te ascult\u0103, \u00ee\u021bi explic\u0103 op\u021biunile pe \u00een\u021belesul t\u0103u \u0219i te ajut\u0103 s\u0103 iei decizia corect\u0103 pentru bugetul t\u0103u.<\/span><\/p>\n<h2 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><b>\u00centreb\u0103ri frecvente<\/b><\/h2>\n<h3 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 26; line-height: 1.2;\" data-fontsize=\"26\" data-lineheight=\"31.2px\"><b>1. Ce presupune am\u00e2narea ratelor \u0219i cine poate beneficia?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Am\u00e2narea ratelor presupune suspendarea temporar\u0103 a pl\u0103\u021bii ratelor lunare. Este disponibil\u0103 \u00een situa\u021bii justificate, precum pierderea veniturilor sau probleme medicale. B\u0103ncile analizeaz\u0103 individual fiecare caz.<\/span><\/p>\n<h3 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 26; line-height: 1.2;\" data-fontsize=\"26\" data-lineheight=\"31.2px\"><b>2. Refinan\u021barea afecteaz\u0103 scorul de credit?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Nu \u00een mod direct. Dar banca va verifica scorul \u00eenainte de a aproba noul credit. Dac\u0103 refinan\u021barea este aprobat\u0103 \u0219i rambursezi corect, pe termen lung scorul poate chiar s\u0103 creasc\u0103.<\/span><\/p>\n<h3 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 26; line-height: 1.2;\" data-fontsize=\"26\" data-lineheight=\"31.2px\"><b>3. Pot am\u00e2na ratele \u0219i apoi s\u0103 refinan\u021bez?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Da, este o op\u021biune viabil\u0103. Mul\u021bi clien\u021bi aleg aceast\u0103 strategie: mai \u00eent\u00e2i ob\u021bin o pauz\u0103 temporar\u0103, apoi, c\u00e2nd situa\u021bia se stabilizeaz\u0103, caut\u0103 o solu\u021bie de refinan\u021bare mai avantajoas\u0103.<\/span><\/p>\n<h3 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 26; line-height: 1.2;\" data-fontsize=\"26\" data-lineheight=\"31.2px\"><b>4. Ce costuri implic\u0103 refinan\u021barea?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Poate implica anumite comisioane (de analiz\u0103, administrare, rambursare anticipat\u0103), dar multe b\u0103nci le reduc sau le elimin\u0103 \u00een perioade promo\u021bionale. Important este s\u0103 analizezi DAE (dob\u00e2nda anual\u0103 efectiv\u0103) \u0219i costul total final.<\/span><\/p>\n<h3 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 26; line-height: 1.2;\" data-fontsize=\"26\" data-lineheight=\"31.2px\"><b>5. Cum aleg cea mai bun\u0103 banc\u0103 pentru refinan\u021bare?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Compar\u0103 dob\u00e2nzile, comisioanele \u0219i condi\u021biile de eligibilitate. Dac\u0103 ai nevoie de mai multe informa\u021bii, consult\u0103 <\/span><a href=\"https:\/\/123credit.ro\/blog\/cea-mai-buna-banca-pentru-refinantare-cum-sa-alegi-oferta-potrivita\/\"><span style=\"font-weight: 400;\">mini ghidul nostru<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<\/div><\/div><\/div><\/div><\/div>\n<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-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-1 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-1 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);\"><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;\"> institutii financiare partenere:<\/span><\/h4><\/div><div class=\"fusion-image-carousel fusion-image-carousel-fixed fusion-image-carousel-1\"><div class=\"awb-carousel awb-swiper awb-swiper-carousel awb-carousel--carousel awb-swiper-dots-position-bottom\" data-layout=\"carousel\" data-autoplay=\"no\" data-autoplayspeed=\"2500\" data-autoplaypause=\"no\" data-loop=\"yes\" data-columns=\"5\" data-columnsmedium=\"1\" data-columnssmall=\"1\" data-itemmargin=\"0\" data-itemwidth=\"180\" data-touchscroll=\"no\" data-freemode=\"no\" data-imagesize=\"fixed\" data-scrollitems=\"0\" data-centeredslides=\"no\" data-rotationangle=\"50\" data-depth=\"100\" data-speed=\"500\" data-shadow=\"no\" data-pagination=\"bullets\" style=\"--awb-column-spacing:0px;\"><div class=\"swiper-wrapper awb-image-carousel-wrapper fusion-flex-align-items-center\"><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"166\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-simplu-credit.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"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 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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\" 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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-1 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\">Aplica pentru un credit in mai putin de 5 minute<\/span><\/a><\/div><\/div><\/div><\/div><\/div>\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\"> 6<\/span> <span class=\"rt-label rt-postfix\">minute<\/span><\/span><\/p>\n","protected":false},"author":15,"featured_media":3176,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[52,223,53],"tags":[],"class_list":["post-3174","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-vocea-brokerului","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>Am\u00e2nare rate vs. refinan\u021bare: Ce solu\u021bie \u021bi se potrive\u0219te mai bine? - Blogul 123Credit<\/title>\n<meta name=\"description\" content=\"Amanare rate sau refinan\u021bare? 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