{"id":321,"date":"2022-07-25T16:41:40","date_gmt":"2022-07-25T13:41:40","guid":{"rendered":"https:\/\/123credit.ro\/blog\/?p=321"},"modified":"2024-09-30T11:42:24","modified_gmt":"2024-09-30T08:42:24","slug":"conditiile-de-accesare-a-creditului-ipotecar","status":"publish","type":"post","link":"https:\/\/123credit.ro\/blog\/conditiile-de-accesare-a-creditului-ipotecar\/","title":{"rendered":"BINE DE STIUT CAND ACCESEZI UN CREDIT IPOTECAR"},"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\"> 3<\/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_2_5 2_5 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:40%;--awb-margin-top-large:0px;--awb-spacing-right-large:4.8%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:4.8%;--awb-width-medium:40%;--awb-order-medium:0;--awb-spacing-right-medium:4.8%;--awb-spacing-left-medium:4.8%;--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=\"800\" height=\"560\" alt=\"conditiile-de-accesare-a-creditului-ipotecar\" title=\"bine-de-stiut-credite-ipotecare\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2022\/07\/bine-de-stiut-credite-ipotecare.jpg\" class=\"img-responsive wp-image-323\" srcset=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2022\/07\/bine-de-stiut-credite-ipotecare-200x140.jpg 200w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2022\/07\/bine-de-stiut-credite-ipotecare-400x280.jpg 400w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2022\/07\/bine-de-stiut-credite-ipotecare-600x420.jpg 600w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2022\/07\/bine-de-stiut-credite-ipotecare.jpg 800w\" sizes=\"(max-width: 640px) 100vw, 600px\" \/><\/span><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-1 fusion_builder_column_3_5 3_5 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:60%;--awb-margin-top-large:0px;--awb-spacing-right-large:3.2%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:3.2%;--awb-width-medium:60%;--awb-order-medium:0;--awb-spacing-right-medium:3.2%;--awb-spacing-left-medium:3.2%;--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-text fusion-text-1\"><p>Ai ajuns la etapa in care nu mai poti locui cu mama sau si mai rau cu mama soacra? Nu poti sa dormi noaptea pentru ca te inghesuie cel mic sau ai nevoie de putina intimitate? Afla care sunt conditiile de accesare a unui <a href=\"https:\/\/123credit.ro\/credit-casa\" target=\"_blank\" rel=\"noopener noreferrer\">credit ipotecar <\/a>si exploreaza-ti optiunile.<\/p>\n<p>Sa stii ca la orice intrebare exista atat un raspuns cat si o rezolvare si as vrea sa discutam despre cat de tangibile pot fi dorintele tale.<\/p>\n<p>Daca <a href=\"https:\/\/123credit.ro\/blog\/credit-ipotecar-in-2022-sa-stau-in-casa-mea-sau-in-casa-altuia\/\" target=\"_blank\" rel=\"noopener noreferrer\">te-ai gandit sa iti cumperi o locuinta<\/a> si vrei un credit de la banca pentru asta, <a href=\"https:\/\/123credit.ro\/credit-casa\" target=\"_blank\" rel=\"noopener noreferrer\">creditul de achizitie locuint<\/a>a, denumit generic<a href=\"https:\/\/123credit.ro\/credit-casa\" target=\"_blank\" rel=\"noopener noreferrer\"> \u2018credit ipotecar\u2019,<\/a> este creditul care te va ajuta sa te muti in casa noua.<\/p>\n<p>Pentru a beneficia de un astfel de credit, Banca sau IFN-ul va pune sub ipoteca proprietatea pe care o cumperi.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-2 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-2\"><p>Cu un <a href=\"https:\/\/123credit.ro\/credit-casa\" target=\"_blank\" rel=\"noopener noreferrer\">credit ipotecar <\/a>poti sa cumperi o casa, un apartament sau un teren intravilan, dar poate fi folosit si pentru reabilitarea, modernizarea, consolidarea ori extinderea unei constructii.<\/p>\n<h3 class=\"\" style=\"--fontsize: 26; line-height: 1.2;\" data-fontsize=\"26\" data-lineheight=\"31.2px\">Cand vrei sa <a href=\"https:\/\/123credit.ro\/totul-despre-ipoteci\" target=\"_blank\" rel=\"noopener noreferrer\">aplici la un credit ipotecar <\/a>de achizitie a unui imobil este bine sa tii cont de urmatoarele:<\/h3>\n<\/div><ul style=\"--awb-line-height:27.2px;--awb-icon-width:27.2px;--awb-icon-height:27.2px;--awb-icon-margin:11.2px;--awb-content-margin:38.4px;--awb-circlecolor:var(--awb-color4);--awb-circle-yes-font-size:14.08px;\" class=\"fusion-checklist fusion-checklist-1 fusion-checklist-default type-icons\"><li class=\"fusion-li-item\" style=\"\"><span class=\"icon-wrapper circle-yes\"><i class=\"fusion-li-icon fa-check-circle fas\" aria-hidden=\"true\"><\/i><\/span><div class=\"fusion-li-item-content\">\n<p>Ai intre 20 si 60 de ani<\/p>\n<\/div><\/li><li class=\"fusion-li-item\" style=\"\"><span class=\"icon-wrapper circle-yes\"><i class=\"fusion-li-icon fa-check-circle fas\" aria-hidden=\"true\"><\/i><\/span><div class=\"fusion-li-item-content\">\n<p>Venitul tau lunar net raportat la ANAF este de cel putin 2500 de lei<\/p>\n<\/div><\/li><li class=\"fusion-li-item\" style=\"\"><span class=\"icon-wrapper circle-yes\"><i class=\"fusion-li-icon fa-check-circle fas\" aria-hidden=\"true\"><\/i><\/span><div class=\"fusion-li-item-content\">\n<p>Contractul de munca este pe perioada nedeterminata<\/p>\n<\/div><\/li><li class=\"fusion-li-item\" style=\"\"><span class=\"icon-wrapper circle-yes\"><i class=\"fusion-li-icon fa-check-circle fas\" aria-hidden=\"true\"><\/i><\/span><div class=\"fusion-li-item-content\">\n<p>Ai minim 12 luni vechime totala in munca, nu ai intreruperi in munca mai mari de 30 de zile pe parcursul ultimelor 12 luni si ai minim 3 salarii incasate si raportate la ANAF la ultimul angajator<\/p>\n<\/div><\/li><li class=\"fusion-li-item\" style=\"\"><span class=\"icon-wrapper circle-yes\"><i class=\"fusion-li-icon fa-check-circle fas\" aria-hidden=\"true\"><\/i><\/span><div class=\"fusion-li-item-content\">\n<p>Ai un avans de minim 15% din pretul de vanzare al proprietatii pe care doresti sa o cumperi<\/p>\n<\/div><\/li><\/ul><div class=\"fusion-text fusion-text-3\"><h3 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 26; line-height: 1.2;\" data-fontsize=\"26\" data-lineheight=\"31.2px\"><a href=\"https:\/\/123credit.ro\/calculator-imprumut\" target=\"_blank\" rel=\"noopener noreferrer\">Ce suma poti imprumuta bazata pe veniturile tale?<\/a><\/h3>\n<p>Aceasta informatie o poti afla din confortul casei tale accesand urmatorul link <a href=\"https:\/\/123credit.ro\/calculator-imprumut\">https:\/\/123credit.ro\/calculator-imprumut<\/a><\/p>\n<p><strong>Ai aflat la ce suma te incadrezi, acum iti mai ramane sa gasesti imobilul si sa verifici daca se incadreaza in urmatoarele conditii:<\/strong><\/p>\n<\/div><ul style=\"--awb-line-height:27.2px;--awb-icon-width:27.2px;--awb-icon-height:27.2px;--awb-icon-margin:11.2px;--awb-content-margin:38.4px;--awb-circlecolor:var(--awb-color4);--awb-circle-yes-font-size:14.08px;\" class=\"fusion-checklist fusion-checklist-2 fusion-checklist-default type-icons\"><li class=\"fusion-li-item\" style=\"\"><span class=\"icon-wrapper circle-yes\"><i class=\"fusion-li-icon fa-check fas\" aria-hidden=\"true\"><\/i><\/span><div class=\"fusion-li-item-content\">\n<p>Are destinatie rezidentiala<\/p>\n<\/div><\/li><li class=\"fusion-li-item\" style=\"\"><span class=\"icon-wrapper circle-yes\"><i class=\"fusion-li-icon fa-check fas\" aria-hidden=\"true\"><\/i><\/span><div class=\"fusion-li-item-content\">\n<p>Nu se afla pe lista cu imobile care prezinta risc seismic<\/p>\n<\/div><\/li><li class=\"fusion-li-item\" style=\"\"><span class=\"icon-wrapper circle-yes\"><i class=\"fusion-li-icon fa-check fas\" aria-hidden=\"true\"><\/i><\/span><div class=\"fusion-li-item-content\">\n<p>Are certificat de eficienta energetica valabil<\/p>\n<\/div><\/li><li class=\"fusion-li-item\" style=\"\"><span class=\"icon-wrapper circle-yes\"><i class=\"fusion-li-icon fa-check fas\" aria-hidden=\"true\"><\/i><\/span><div class=\"fusion-li-item-content\">\n<p>Toate actele de proprietate sunt inregistrate la Oficiul de Cadastru si Publicitate Imobiliara<\/p>\n<\/div><\/li><\/ul><div class=\"fusion-text fusion-text-4\"><h3 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 26; line-height: 1.2;\" data-fontsize=\"26\" data-lineheight=\"31.2px\">Ultimul pas ar fi sa gasesti banca potrivita nevoilor tale.<\/h3>\n<p>Pe <a href=\"https:\/\/123credit.ro\" target=\"_blank\" rel=\"noopener noreferrer\">123credit.ro<\/a> poti compara ofertele bancilor din Romania si poti aplica 100% online sau, daca ai nevoie de suport, poti intra in legatura cu un <u><a href=\"https:\/\/123credit.ro\/contact\" target=\"_blank\" rel=\"noopener noreferrer\">broker specialist.<\/a><\/u><\/p>\n<p>Pentru si mai multe informatii, intra pe <a href=\"https:\/\/123credit.ro\/totul-despre-ipoteci\">https:\/\/123credit.ro\/totul-despre-ipoteci<\/a><\/p>\n<p>Procesul de accesare a unui credit ipotecar nu este unul complicat. In functie de situatia ta sau a proprietatii pe care o cumperi, el poate dura in medie pana la 3 saptamani. Atata timp cat ai un profil bun, nu ai datorii curente restante, ai un venit net lunar stabil si proprietatea pe care o cumperi are toate actele, procesul de accesare a creditului va merge usor si fara batai de cap. In cazul in care iti doresti ca cineva sa te ghideze prin tot procesul, <u><b><a href=\"https:\/\/123credit.ro\/contact\" target=\"_blank\" rel=\"noopener noreferrer\">poti apela si la un broker de credite<\/a><\/b><\/u>, serviciu care in mod normal este gratuit.<\/p>\n<\/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\"> 3<\/span> <span class=\"rt-label rt-postfix\">minute<\/span><\/span><\/p>\n","protected":false},"author":7,"featured_media":323,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[16],"tags":[],"class_list":["post-321","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-noutati-despre-credite"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - 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