{"id":3226,"date":"2025-06-12T11:26:16","date_gmt":"2025-06-12T08:26:16","guid":{"rendered":"https:\/\/123credit.ro\/blog\/?p=3226"},"modified":"2025-06-23T14:02:39","modified_gmt":"2025-06-23T11:02:39","slug":"ce-venit-trebuie-s-ai-pentru-prima-cas","status":"publish","type":"post","link":"https:\/\/123credit.ro\/blog\/ce-venit-trebuie-s-ai-pentru-prima-cas\/","title":{"rendered":"Ce venit trebuie s\u0103 ai pentru Prima Cas\u0103"},"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\"> 5<\/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-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;\">Ce venit trebuie s\u0103 ai pentru Prima Cas\u0103 este una dintre cele mai frecvente \u00eentreb\u0103ri atunci c\u00e2nd vrei s\u0103-\u021bi cumperi o locuin\u021b\u0103 prin programul guvernamental. De\u0219i condi\u021biile de acordare sunt mai accesibile dec\u00e2t \u00een cazul unui credit ipotecar clasic, b\u0103ncile impun totu\u0219i criterii clare legate de veniturile solicitan\u021bilor.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00cen acest articol \u00ee\u021bi explic\u0103m ce sum\u0103 minim\u0103 trebuie s\u0103 c\u00e2\u0219tigi ca s\u0103 po\u021bi accesa acest tip de credit, cum se calculeaz\u0103 venitul eligibil, ce po\u021bi face dac\u0103 nu te \u00eencadrezi \u0219i ce alternative ai la dispozi\u021bie. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Totul, \u00een termeni simpli \u0219i aplica\u021bi, astfel \u00eenc\u00e2t s\u0103 \u0219tii din start dac\u0103 programul Prima Cas\u0103 (Noua Cas\u0103) este potrivit pentru tine.<\/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 este programul Prima Cas\u0103 \/ Noua Cas\u0103 \u00een 2025<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Programul Noua Cas\u0103 este o variant\u0103 actualizat\u0103 a fostului program Prima Cas\u0103, lansat pentru a sprijini persoanele fizice s\u0103 \u00ee\u0219i cumpere prima locuin\u021b\u0103, cu un avans mai mic \u0219i garan\u021bii oferite de stat. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Este una dintre cele mai populare op\u021biuni de finan\u021bare pentru tineri \u0219i pentru cei care nu dispun de fonduri mari pentru un credit ipotecar obi\u0219nuit.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Beneficiarii pot achizi\u021biona locuin\u021be noi sau vechi, \u00een limita a 70.000 euro (cu avans de 5%) sau p\u00e2n\u0103 la 140.000 euro (cu avans de 15%), iar dob\u00e2nda este variabil\u0103 \u0219i plafonat\u0103, fiind legat\u0103 de indicele IRCC. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Statul rom\u00e2n garanteaz\u0103<\/span><b> p\u00e2n\u0103 la 60%<\/b><span style=\"font-weight: 400;\"> din suma \u00eemprumutat\u0103, ceea ce reduce riscul pentru banc\u0103 \u0219i face aprobarea mai accesibil\u0103.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Pentru o imagine complet\u0103 despre condi\u021biile de eligibilitate, tipurile de locuin\u021be acceptate, nivelul avansului \u0219i calculul dob\u00e2nzii, \u00ee\u021bi recomand\u0103m s\u0103 consul\u021bi <\/span><a href=\"https:\/\/123credit.ro\/blog\/prima-casa-2025-tot-ce-trebuie-sa-stii-despre-avans-doband-si-conditii\/\"><span style=\"color: var(--awb-color5);\"><b>articolul nostru dedicat.<\/b><\/span><\/a><\/p>\n<h2 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><b>Ce venit trebuie s\u0103 ai pentru Prima Cas\u0103<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Ce venit trebuie s\u0103 ai pentru Prima Cas\u0103 depinde de mai mul\u021bi factori, \u00eens\u0103 regula de baz\u0103 aplicat\u0103 de b\u0103nci este legat\u0103 de gradul maxim de \u00eendatorare. Asta \u00eenseamn\u0103 c\u0103 rata lunar\u0103 nu trebuie s\u0103 dep\u0103\u0219easc\u0103, de regul\u0103, 40\u201345% din venitul net lunar al solicitantului (sau al familiei, dac\u0103 aplica\u021bi \u00eempreun\u0103).<\/span><span style=\"font-weight: 400;\">De\u0219i nu exist\u0103 un venit minim legal stabilit prin programul Noua Cas\u0103, b\u0103ncile stabilesc aceste limite \u00een func\u021bie de c\u00e2t de mare este creditul cerut, ce tip de avans oferi \u0219i pe ce perioad\u0103 vrei s\u0103 rambursezi.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Pe scurt:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">dac\u0103 ai un venit net de 4.000 lei, rata maxim\u0103 acceptat\u0103 de banc\u0103 ar fi \u00een jur de 1.600\u20131.700 lei\/lun\u0103, dar este posibil s\u0103 nu fie suficient pentru plafonul maxim din program (66.500 \u20ac), ci mai potrivit pentru o locuin\u021b\u0103 cu valoare redus\u0103;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">pentru un venit de 5.300\u20135.500 lei, te po\u021bi \u00eencadra la un credit de aproximativ 66.500 \u20ac, cu o rat\u0103 lunar\u0103 de ~1.600 lei;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">un venit net de 7.000\u20137.500 lei \u00ee\u021bi permite o rat\u0103 lunar\u0103 de ~2.800 lei, ceea ce face posibil\u0103 accesarea unui credit aproape de plafonul maxim pentru avansul de 15% (119.000 \u20ac).<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Venitul necesar variaz\u0103 \u00een func\u021bie de:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">valoarea imobilului \u0219i suma pe care vrei s\u0103 o \u00eemprumu\u021bi;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">avansul (mai mare = credit mai mic = rat\u0103 mai mic\u0103);<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">perioada de creditare (30 de ani implic\u0103 o rat\u0103 mai mic\u0103 dec\u00e2t 20 de ani);<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">dob\u00e2nda IRCC \u0219i comisioanele incluse;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">num\u0103rul de persoane implicate \u00een dosar \u2013 dac\u0103 ai un codebitor, venitul total acceptat cre\u0219te semnificativ. <\/span><\/li>\n<\/ul>\n<h2 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><b>Exemple concrete de venituri \u0219i rate<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Ca s\u0103-\u021bi faci o idee mai clar\u0103, iat\u0103 c\u00e2teva simul\u0103ri orientative (valabile pentru un credit pe 30 de ani, cu dob\u00e2nd\u0103 IRCC + 2%):<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td><b>Valoarea locuin\u021bei<\/b><\/td>\n<td><b>Avans 5%<\/b><\/td>\n<td><b>Suma \u00eemprumutat\u0103<\/b><\/td>\n<td><b>Rat\u0103 estimativ\u0103<\/b><\/td>\n<td><b>Venit minim necesar<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">70.000 \u20ac<\/span><\/td>\n<td><span style=\"font-weight: 400;\">5%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">~66.500 \u20ac<\/span><\/td>\n<td><span style=\"font-weight: 400;\">~1.600 lei<\/span><\/td>\n<td><b>~4.100\u20134.300 lei<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">100.000 \u20ac<\/span><\/td>\n<td><span style=\"font-weight: 400;\">10%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">~90.000 \u20ac<\/span><\/td>\n<td><span style=\"font-weight: 400;\">~2.100 lei<\/span><\/td>\n<td><b>~5.300\u20135.500 lei<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">140.000 \u20ac<\/span><\/td>\n<td><span style=\"font-weight: 400;\">15%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">~119.000 \u20ac<\/span><\/td>\n<td><span style=\"font-weight: 400;\">~2.800 lei<\/span><\/td>\n<td><b>~7.000\u20137.300 lei<\/b><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-weight: 400;\">Acestea sunt simul\u0103ri generale \u0219i pot varia \u00een func\u021bie de banc\u0103, profilul solicitantului \u0219i momentul depunerii dosarului. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Dac\u0103 vrei s\u0103 vezi cum arat\u0103 o simulare complet\u0103 pentru diferite scenarii de venit \u0219i locuin\u021b\u0103, \u00ee\u021bi recomand\u0103m articolul <\/span><b><a href=\"https:\/\/123credit.ro\/blog\/calculator-credit-prima-casa-in-functie-de-salariu-2\/\"><i><span style=\"color: var(--awb-color5);\">Calculator credit Prima Cas\u0103 \u00een func\u021bie de salariu \u2013 estimeaz\u0103 rapid suma pe care o po\u021bi \u00eemprumuta<\/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 po\u021bi face dac\u0103 venitul t\u0103u este prea mic<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Dac\u0103 venitul t\u0103u actual nu este suficient pentru a sus\u021bine o rat\u0103 lunar\u0103 \u00een limita impus\u0103 de banc\u0103, nu \u00eenseamn\u0103 c\u0103 op\u021biunea Noua Cas\u0103 este complet exclus\u0103. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Ai la dispozi\u021bie c\u00e2teva solu\u021bii realiste:<\/span><\/p>\n<ol>\n<li style=\"list-style-type: none;\">\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Aplic\u0103 \u00eempreun\u0103 cu un codebitor<\/b><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">Poate fi un membru al familiei sau partenerul t\u0103u. Banca va lua \u00een calcul venitul cumulat, ceea ce cre\u0219te \u0219ansele de aprobare \u0219i suma accesibil\u0103.<\/span>&nbsp;<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Alege o locuin\u021b\u0103 mai ieftin\u0103 <\/b><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">De exemplu, pentru locuin\u021bele cu valoare de p\u00e2n\u0103 la 70.000 euro, avansul este de doar 5%, ceea ce \u00eenseamn\u0103 o rat\u0103 lunar\u0103 mai mic\u0103 \u0219i un venit necesar mai redus.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Scap\u0103 de alte credite active <\/b><\/li>\n<\/ol>\n<\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Dac\u0103 ai deja \u00eemprumuturi \u00een derulare, acestea se iau \u00een calcul la gradul total de \u00eendatorare. Po\u021bi \u00eencerca s\u0103 le refinan\u021bezi sau s\u0103 le \u00eenchizi anticipat.<\/span><\/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;\">Nu exist\u0103 un venit minim universal pentru programul Noua Cas\u0103, \u00eens\u0103 b\u0103ncile se bazeaz\u0103 pe calculul gradului de \u00eendatorare pentru a decide dac\u0103 \u00ee\u021bi pot acorda un credit. Acest lucru \u00eenseamn\u0103 c\u0103 fiecare caz este diferit, \u00een func\u021bie de venitul t\u0103u net, avansul disponibil \u0219i suma \u00eemprumutat\u0103.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Important este s\u0103 nu te gr\u0103be\u0219ti, s\u0103 faci simul\u0103ri realiste \u0219i s\u0103 ceri ajutor de la un profesionist. <\/span><a href=\"https:\/\/123credit.ro\/contact\"><span style=\"color: var(--awb-color5);\"><b>Echipa 123Credit<\/b><\/span><\/a><span style=\"font-weight: 400;\"> te poate ghida pas cu pas: de la estimarea eligibilit\u0103\u021bii p\u00e2n\u0103 la alegerea celei mai potrivite oferte bancare pentru situa\u021bia ta financiar\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>\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 venit trebuie s\u0103 ai pentru Prima Cas\u0103 dac\u0103 aplici singur?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Dac\u0103 aplici f\u0103r\u0103 codebitor, banca va lua \u00een calcul doar venitul t\u0103u net. \u00cen general, e nevoie de minimum 5.200\u20135.500 lei net\/lun\u0103 pentru un credit apropiat de plafonul maxim. Cu un venit mai mic, po\u021bi aplica pentru sume mai reduse.<\/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. Pot accesa Prima Cas\u0103 dac\u0103 am venituri din PFA, dividende sau alte surse?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Da, dar b\u0103ncile pot solicita documente suplimentare (declara\u021bii fiscale, balan\u021be etc.) \u0219i pot aplica un coeficient de reducere a venitului acceptat. Fiecare banc\u0103 trateaz\u0103 aceste cazuri diferit.<\/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. Ce venit trebuie s\u0103 ai pentru Prima Cas\u0103 dac\u0103 mai ai alte credite?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Gradul de \u00eendatorare se calculeaz\u0103 pentru toate creditele active. Chiar dac\u0103 ai un venit mare, alte rate pot reduce semnificativ suma pe care o po\u021bi accesa prin Noua Cas\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. Se iau \u00een calcul aloca\u021biile sau alte beneficii sociale?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Nu toate b\u0103ncile accept\u0103 aceste venituri ca surs\u0103 principal\u0103. Unele pot include o parte din ele \u00een venitul total, dar nu sunt decisive pentru aprobarea creditului.<\/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. Venitul trebuie s\u0103 fie din Rom\u00e2nia sau pot aplica \u0219i cei care lucreaz\u0103 \u00een str\u0103in\u0103tate?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Unii finan\u021batori accept\u0103 venituri din str\u0103in\u0103tate, dar procedura este diferit\u0103 \u0219i necesit\u0103 documente suplimentare, precum contracte, flutura\u0219i de salariu \u0219i dovada reziden\u021bei. E recomandat s\u0103 apelezi la un broker care cunoa\u0219te aceste condi\u021bii.<\/span><\/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\"> 5<\/span> <span class=\"rt-label rt-postfix\">minute<\/span><\/span><\/p>\n","protected":false},"author":15,"featured_media":3228,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[52],"tags":[],"class_list":["post-3226","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 v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Ce venit trebuie s\u0103 ai pentru Prima Cas\u0103 - Blogul 123Credit<\/title>\n<meta name=\"description\" content=\"Ce venit trebuie s\u0103 ai pentru Prima Cas\u0103 \u00een 2025? 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