{"id":3239,"date":"2025-06-23T17:53:12","date_gmt":"2025-06-23T14:53:12","guid":{"rendered":"https:\/\/123credit.ro\/blog\/?p=3239"},"modified":"2025-06-25T10:54:48","modified_gmt":"2025-06-25T07:54:48","slug":"prescoring-bancar","status":"publish","type":"post","link":"https:\/\/123credit.ro\/blog\/prescoring-bancar\/","title":{"rendered":"Prescoring bancar: cum \u00ee\u021bi evaluezi \u0219ansele de aprobare a creditului"},"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;\">Ai auzit, probabil, povestea clasic\u0103: preg\u0103te\u0219ti un mald\u0103r de acte, \u00ee\u021bi pui toate speran\u021bele \u00eentr-un credit, a\u0219tep\u021bi zile sau chiar s\u0103pt\u0103m\u00e2ni \u0219i\u2026 prime\u0219ti un refuz sec. Frustrant, nu? Tocmai ca s\u0103 nu mai treci prin emo\u021biile \u0219i timpul pierdut cu astfel de situa\u021bii, speciali\u0219tii \u00een finan\u021bare sau brokerii de credit folosesc \u0219i au introdus o etap\u0103 \u00een modul lor de lucru, numit\u0103 \u201eprescoring\u201d. Dac\u0103 \u00eenc\u0103 nu-\u021bi sun\u0103 familiar, stai lini\u0219tit, \u00een urm\u0103toarele minute vei \u00een\u021belege de ce \u201cprescoring-ul\u201d poate fi cel mai bun prieten al t\u0103u atunci c\u00e2nd vrei finan\u021bare.<\/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 \u00eenseamn\u0103 prescoring \u0219i de ce ar trebui s\u0103-\u021bi pese?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">A\u0219a-numitul scoring bancar este un sistem de evaluare utilizat de b\u0103nci \u0219i institu\u021bii financiare pentru a determina viabilitatea unui client de a primi un \u00eemprumut, credit, ipotec\u0103 sau asigurare. Acesta cuprinde o serie de date economice, demografice \u0219i financiare ale persoanei.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Ideea din spatele acestui sistem este de a stabili o serie de criterii specifice care s\u0103 permit\u0103 o analiz\u0103 fiabil\u0103 a capacit\u0103\u021bii de plat\u0103, veniturilor \u0219i istoricului de credit al unei anumite persoane. Prin urmare, include informa\u021bii specifice care provin din activitatea istoric\u0103 a persoanei cu alte institu\u021bii bancare.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Prescoring este un fel de \u201epreview\u201d(\u00een englez\u0103: previzualizare), o analiza antemergatoare analizei finale a b\u0103ncilor, la decizia final\u0103 de creditare. G\u00e2nde\u0219te-te la el ca la un test rapid de s\u0103n\u0103tate financiar\u0103, pe care \u00eel faci \u00eenainte s\u0103 ajungi la medic. \u00cen loc s\u0103 depui \u00eentregul dosar \u0219i s\u0103 a\u0219tep\u021bi verdictul, prime\u0219ti o evaluare preliminar\u0103 bazat\u0103 pe datele tale principale: venituri, istoricul de plat\u0103, grad de \u00eendatorare, scorul din Biroul de Credit \u0219i c\u00e2teva criterii interne ale b\u0103ncii. Rezultatul \u00ee\u021bi arat\u0103 dou\u0103 lucruri esen\u021biale:<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ce \u0219anse reale ai s\u0103 ob\u021bii creditul dorit.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Care ar fi condi\u021biile probabile: sum\u0103, dob\u00e2nd\u0103, perioad\u0103, garan\u021bii.<\/span><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Cu alte cuvinte, prescoring-ul \u00ee\u021bi economise\u0219te timp, energie \u0219i poate cel mai important, \u00ee\u021bi protejeaz\u0103 moralul. \u00cen loc s\u0103 fii prins pe picior gre\u0219it de un refuz, \u0219tii din start unde stai \u0219i ce po\u021bi \u00eembun\u0103t\u0103\u021bi.<\/span><\/p>\n<h2 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><b>Cum func\u021bioneaz\u0103 procesul de prescoring pas cu pas<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Vestea bun\u0103 este c\u0103 prescoring-ul este mult mai simplu dec\u00e2t \u021bi-ai imagina. \u00cel po\u021bi solicita online sau telefonic, dar cea mai comod\u0103 variant\u0103 r\u0103m\u00e2ne platforma de comparare \u0219i consultan\u021b\u0103<\/span> <span style=\"font-weight: 400;\">123Credit.ro la pagina <\/span><b><a href=\"https:\/\/123credit.ro\/calculator-imprumut\"><span style=\"color: var(--awb-color5);\">simulatorului de credit<\/span><\/a><span style=\"color: var(--awb-color5);\">, <\/span><\/b>unde g\u0103se\u0219ti un astfel de sistem de prescorare. Ca s\u0103 ai un tablou clar, iat\u0103 pa\u0219ii principali:<\/p>\n<ul>\n<li aria-level=\"1\"><b style=\"font-weight: 400;\">Completezi un formular scurt.<\/b><span style=\"font-weight: 400;\"> Pe site-ul<\/span><a href=\"https:\/\/123credit.ro\/contact\"> <span style=\"color: var(--awb-color5);\"><b>123Credit.ro<\/b><\/span><\/a><span style=\"color: var(--awb-color5);\"><b>,<\/b><\/span> \u00ee\u021bi sunt solicitate doar informa\u021bii de baz\u0103: date de contact, tipul de credit, venituri lunare, eventuale rate existente. Totul dureaz\u0103 sub cinci minute.<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Se face o interogare rapid\u0103 \u00een bazele de date.<\/b><span style=\"font-weight: 400;\"> Banca sau brokerul verific\u0103 scorul t\u0103u din Biroul de Credit \u0219i alte baze relevante. Aceast\u0103 etap\u0103 nu \u00ee\u021bi afecteaz\u0103 scorul, fiind doar o interogare soft.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Prime\u0219ti un r\u0103spuns preliminar.<\/b><span style=\"font-weight: 400;\"> \u00cen cel mult 24 de ore, \u021bi se comunic\u0103 dac\u0103 \u00eendepline\u0219ti criteriile de prescoring. Vei afla suma maxim\u0103 la care e\u0219ti eligibil, tipul de dob\u00e2nd\u0103 \u0219i, uneori, chiar \u0219i o simulare de rat\u0103 lunar\u0103.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>E\u0219ti \u00eendrumat spre oferta potrivit\u0103.<\/b><span style=\"font-weight: 400;\"> Dac\u0103 prescoring-ul este pozitiv, consilierul 123Credit \u00ee\u021bi prezint\u0103 cele mai bune variante din pia\u021b\u0103. Pe baza scorului t\u0103u, vezi exact care banc\u0103 \u00ee\u021bi d\u0103 cele mai bune condi\u021bii.<\/span><\/li>\n<li aria-level=\"1\"><b style=\"font-weight: 400;\">\u00ce\u021bi preg\u0103te\u0219ti dosarul complet.<\/b> Av\u00e2nd deja un OK din partea<b> <a href=\"https:\/\/123credit.ro\/consultanti-credite\"><span style=\"color: var(--awb-color5);\">speciali\u0219tilor \u00een creditare<\/span><\/a><\/b><span style=\"font-weight: 400;\">, str\u00e2ngi actele necesare f\u0103r\u0103 stres; \u0219tii c\u0103 nu le aduni degeaba.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Tot procesul de prescoring se poate rezolva de pe telefon, f\u0103r\u0103 drumuri inutile \u0219i f\u0103r\u0103 momente de a\u0219teptare \u00een sucursale. \u00cen plus, te scute\u0219te de situa\u021bia nepl\u0103cut\u0103 de a ap\u0103rea prea des \u00een Biroul de Credit cu interog\u0103ri multiple.<\/span><\/p>\n<h2 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><b>De ce conteaz\u0103 prescoring-ul mai mult dec\u00e2t crezi<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Poate te \u00eentrebi: \u201eDe ce s\u0103 pierd timpul cu prescoring c\u00e2nd pot depune direct dosarul?\u201d. Iat\u0103 c\u00e2teva motive foarte practice:<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Economise\u0219ti timp \u0219i bani.<\/b><span style=\"font-weight: 400;\"> Nu mai pl\u0103te\u0219ti taxe de evaluare sau traduceri de acte p\u00e2n\u0103 nu \u0219tii sigur c\u0103 ai \u0219anse reale.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Evi\u021bi sc\u0103derea scorului de credit.<\/b><span style=\"font-weight: 400;\"> Interog\u0103rile multiple pot s\u0103-\u021bi afecteze ratingul. Un singur prescoring bine f\u0103cut rezolv\u0103 problema.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Negociezi mai bine.<\/b><span style=\"font-weight: 400;\"> C\u00e2nd \u0219tii deja c\u0103 e\u0219ti eligibil, po\u021bi cere oferte mai bune. B\u0103ncile sunt mai dispuse s\u0103 \u00ee\u021bi fac\u0103 condi\u021bii preferen\u021biale dac\u0103 v\u0103d c\u0103 ai op\u021biuni.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Afli ce trebuie \u00eembun\u0103t\u0103\u021bit.<\/b><span style=\"font-weight: 400;\"> Dac\u0103 prescoring-ul nu e str\u0103lucit, prime\u0219ti recomand\u0103ri concrete: s\u0103 reduci alte rate, s\u0103 cre\u0219ti venitul declarat, s\u0103 aduci garan\u021bii suplimentare.<\/span><\/li>\n<\/ol>\n<h2 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><b>Cum \u00ee\u021bi po\u021bi \u00eembun\u0103t\u0103\u021bi rezultatul de prescoring <\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Chiar dac\u0103 te sim\u021bi preg\u0103tit, sunt c\u00e2teva trucuri simple prin care \u00ee\u021bi po\u021bi asigura un prescoring favorabil:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u2022 <\/span><b>Pl\u0103te\u0219te-\u021bi la zi toate facturile \u0219i ratele.<\/b><span style=\"font-weight: 400;\"> Cea mai mic\u0103 restan\u021b\u0103 raportat\u0103 \u00ee\u021bi poate \u00eenjum\u0103t\u0103\u021bi \u0219ansele.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Redu gradul de \u00eendatorare sub 40%.<\/b><span style=\"font-weight: 400;\"> Dac\u0103 ai carduri de credit golite la maxim, prescoring-ul va sc\u0103dea. Ramburseaz\u0103 m\u0103car par\u021bial.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Consolideaz\u0103 veniturile stabile.<\/b><span style=\"font-weight: 400;\"> Include bonusuri permanente, diurne, dividende recurente \u2013 orice venit legal \u0219i constant.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Nu aplica simultan la mai multe b\u0103nci.<\/b><span style=\"font-weight: 400;\"> Concentreaz\u0103-te pe un singur prescoring la \u00eenceput; dac\u0103 prime\u0219ti un refuz, revizuie\u0219te \u0219i reia procesul.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Consult\u0103 un specialist 123Credit.ro din start.<\/b><span style=\"font-weight: 400;\"> Un consilier bun \u00ee\u021bi va spune exact ce acte s\u0103 preg\u0103te\u0219ti \u0219i unde po\u021bi ajusta.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">\u021aine minte: prescoring-ul este despre preven\u021bie, nu despre corec\u021bie. Cu c\u00e2t intri mai preg\u0103tit, cu at\u00e2t ob\u021bii r\u0103spunsul \u201eAprobat\u201d mai u\u0219or.<\/span><\/p>\n<h2 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><b>Prescoring \u0219i 123Credit.ro \u2013 metoda care \u00ee\u021bi face via\u021ba mai simpl\u0103<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Poate ai impresia c\u0103 fiecare banc\u0103 are propriile criterii \u0219i c\u0103 trebuie s\u0103 iei la r\u00e2nd toate aplica\u021biile. Nu \u0219i dac\u0103 folose\u0219ti<\/span><a href=\"https:\/\/123credit.ro\/\"> <span style=\"color: var(--awb-color5);\"><b>123Credit.ro<\/b><\/span><\/a><span style=\"color: var(--awb-color5);\"><b>.<\/b><\/span> Platforma compar\u0103 automat ofertele din pia\u021b\u0103 \u0219i folose\u0219te sistemul de prescoring ca filtru inteligent. Practic:<\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Ai un singur formular de completat<\/b><span style=\"font-weight: 400;\">, nu zece.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Prime\u0219ti rezultatele centralizat<\/b><span style=\"font-weight: 400;\"> \u2013 vezi dintr-o privire unde ai cele mai mari \u0219anse \u0219i la ce cost.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>E\u0219ti ghidat p\u00e2n\u0103 la semnarea contractului<\/b><span style=\"font-weight: 400;\">, nu e\u0219ti abandonat dup\u0103 r\u0103spuns.<\/span><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Prescoring-ul devine astfel mai mult dec\u00e2t o procedur\u0103 simplist\u0103 \u0219i superficial\u0103; <\/span><b>devine un instrument real<\/b><span style=\"font-weight: 400;\"> care \u00ee\u021bi scurteaz\u0103 drumul spre bani.<\/span><\/p>\n<h2 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><span style=\"font-weight: 400;\">Beneficiile prescoring-ului fa\u021b\u0103 de aplica\u021bia clasic\u0103<\/span><\/h2>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Rapiditate:<\/b><span style=\"font-weight: 400;\"> \u00cen loc s\u0103 a\u0219tep\u021bi dou\u0103 s\u0103pt\u0103m\u00e2ni pentru un \u201enu\u201d, afli \u00een 24 de ore dac\u0103 are rost s\u0103 continui.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Transparen\u021b\u0103:<\/b><span style=\"font-weight: 400;\"> \u0218tii exact de ce banca zice \u201eda\u201d sau \u201enu\u201d; nu exist\u0103 surprize majore la final.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Flexibilitate:<\/b><span style=\"font-weight: 400;\"> Po\u021bi ajusta suma sau perioada \u00eenc\u0103 din faza de prescoring, f\u0103r\u0103 s\u0103 refaci tot dosarul.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Control al emo\u021biilor:<\/b><span style=\"font-weight: 400;\"> \u00ce\u021bi p\u0103strezi moralul sus. E mai u\u0219or s\u0103 modifici din mers dec\u00e2t s\u0103 iei procesul de la zero.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Putere de negociere:<\/b><span style=\"font-weight: 400;\"> C\u00e2nd \u021bi se confirm\u0103 eligibilitatea, devii un client dorit, nu doar un solicitant care implor\u0103 finan\u021bare.<\/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>Concluzie<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">\u00cen zilele noastre, \u00een care timpul \u0219i nervii cost\u0103 scump, prescoring-ul bancar este o solu\u021bie \u201cwin-win\u201d: tu economise\u0219ti timp \u0219i prime\u0219ti predictibilitate, iar cei care se ocup\u0103 de finan\u021barea ta proceseaz\u0103 dosare deja aprobate sau preaprobate. Dac\u0103 vrei s\u0103 \u00ee\u021bi maximizezi \u0219ansele de aprobare, s\u0103 ob\u021bii condi\u021bii mai bune \u0219i s\u0103 evi\u021bi surprizele nepl\u0103cute, \u00eencepe cu un prescoring.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Intr\u0103 pe 123Credit.ro, completeaz\u0103 <\/span><b><a href=\"https:\/\/123credit.ro\/contact\"><span style=\"color: var(--awb-color5);\">formularul<\/span><\/a> <\/b>\u0219i afl\u0103 \u00een 24 de ore unde te situezi. Este rapid, gratuit \u0219i te pune pe drumul cel bun f\u0103r\u0103 s\u0103 te love\u0219ti de u\u0219i \u00eenchise.<\/p>\n<p><span style=\"font-weight: 400;\">Prescoring-ul nu este doar un buzzword financiar; este un pas de bun-sim\u021b care te ajut\u0103 s\u0103 ajungi la destina\u021bie mai repede \u0219i \u00een siguran\u021b\u0103. \u00cencearc\u0103-l \u0219i vei vedea diferen\u021ba!<\/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<ul>\n<li aria-level=\"1\">\n<h3 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 26; line-height: 1.2;\" data-fontsize=\"26\" data-lineheight=\"31.2px\"><b>Prescoring-ul \u00eemi afecteaz\u0103 scorul de credit?<\/b><\/h3>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Nu. Interogarea efectuata de noi, nu scade punctajul din Biroul de Credit.<\/span><\/p>\n<ul>\n<li aria-level=\"1\">\n<h3 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 26; line-height: 1.2;\" data-fontsize=\"26\" data-lineheight=\"31.2px\"><b>C\u00e2t cost\u0103 s\u0103 fac un prescoring?<\/b><\/h3>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Prin 123Credit.ro este gratuit.<\/span><\/p>\n<ul>\n<li aria-level=\"1\">\n<h3 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 26; line-height: 1.2;\" data-fontsize=\"26\" data-lineheight=\"31.2px\"><b>Dac\u0103 prescoring-ul este negativ, pot \u00eencerca din nou?<\/b><\/h3>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Da. Consultantul \u00ee\u021bi va spune ce s\u0103 corectezi \u2013 de exemplu, s\u0103 reduci alte rate \u2013 \u0219i po\u021bi relua procesul dup\u0103 ce remediezi.<\/span><\/p>\n<ul>\n<li aria-level=\"1\">\n<h3 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 26; line-height: 1.2;\" data-fontsize=\"26\" data-lineheight=\"31.2px\"><b>Rezultatul de prescoring este obligatoriu pentru banc\u0103?<\/b><\/h3>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">E o promisiune neoficial\u0103, nu un contract. Totu\u0219i, dac\u0103 datele nu se schimb\u0103, banca respect\u0103 de regul\u0103 condi\u021biile indicate de c\u0103tre specialistul \u00een creditare.<\/span><\/p>\n<ul>\n<li aria-level=\"1\">\n<h3 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 26; line-height: 1.2;\" data-fontsize=\"26\" data-lineheight=\"31.2px\"><b>Pot face prescoring pentru mai multe tipuri de credit simultan?<\/b><\/h3>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Da, po\u021bi testa pentru credit ipotecar; credit auto; leasing \u0219i credit pentru nevoi personale.<\/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\"> 6<\/span> <span class=\"rt-label rt-postfix\">minute<\/span><\/span><\/p>\n","protected":false},"author":15,"featured_media":3241,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[53,17],"tags":[],"class_list":["post-3239","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bine-de-stiut","category-legislatie"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - 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