{"id":328,"date":"2022-07-28T14:28:15","date_gmt":"2022-07-28T11:28:15","guid":{"rendered":"https:\/\/123credit.ro\/blog\/?p=328"},"modified":"2026-09-08T11:44:26","modified_gmt":"2026-09-08T08:44:26","slug":"rata-vs-chirie-inlocuieste-chiria-cu-rata-lunara-si-devino-proprietar","status":"publish","type":"post","link":"https:\/\/123credit.ro\/blog\/rata-vs-chirie-inlocuieste-chiria-cu-rata-lunara-si-devino-proprietar\/","title":{"rendered":"C\u00e2t te cost\u0103 chiria? \u00cenlocuie\u0219te chiria cu rata lunar\u0103 \u0219i devino proprietar"},"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\"> 4<\/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\" title=\"cat-te-costa-chiria\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2022\/07\/cat-te-costa-chiria-1.jpg\" alt class=\"img-responsive wp-image-496\" srcset=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2022\/07\/cat-te-costa-chiria-1-200x140.jpg 200w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2022\/07\/cat-te-costa-chiria-1-400x280.jpg 400w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2022\/07\/cat-te-costa-chiria-1-600x420.jpg 600w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2022\/07\/cat-te-costa-chiria-1.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><strong>Ratele au crescut cu aproximativ 20%<\/strong> de la \u00eenceputul lui 2022 p\u00e2n\u0103 \u00een prezent. IRCC (indicatorul folosit pentru calcularea ratelor la creditele cu dob\u00e2nzi variabile) a ajuns acum la 2.65% comparat cu 1.17% \u00een Ianuarie 2022.<\/p>\n<p>C\u00e2nd acces\u0103m un <strong>credit ipotecar <\/strong>cu dob\u00e2nd\u0103 variabil\u0103 trebuie s\u0103 \u0219tim c\u0103 b\u0103ncile percep o dob\u00e2nd\u0103 format\u0103 din <strong>marj\u0103 fix\u0103<\/strong> (care difer\u0103 de la o banc\u0103 la alta)\u00a0 <strong>+ IRCC<\/strong>. \u00cenainte de 2 mai 2019, acest indice variabil era cunoscut ca ROBOR.<\/p>\n<p>Odat\u0103 cu majorarea costurilor de accesare a unui credit, \u00een majoritatea interac\u021biunilor noastre ca brokeri de credite, am \u00eent\u00e2lnit \u00eentrebarea<strong><em> &#8222;Crezi c\u0103 e o idee bun\u0103 s\u0103-mi cump\u0103r o locuin\u021b\u0103 acum sau ar trebui s\u0103 mai a\u0219tept?&#8221;<\/em><\/strong><\/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><strong>R\u0103spundem mai jos \u0219i la aceasta \u00eentrebare, \u00eens\u0103 \u00eenainte de toate trebuie s\u0103 \u00een\u021belegem ce \u00eenseamn\u0103 de fapt aceast\u0103 majorare.<\/strong><\/p>\n<\/div><div class=\"fusion-text fusion-text-3\"><p>Dac\u0103 acum 6 luni, <strong>cu un venit de 4,000 lei <\/strong>\u0219i un avans de 10,000 Euro puteai s\u0103-\u021bi cumperi o locuin\u021b\u0103 \u00een valoare de aproximativ 75,000 Euro. Azi, 7 luni mai t\u00e2rziu, cu acela\u0219i venit \u0219i avans<strong> po\u021bi cump\u0103ra o locuin\u021b\u0103 \u00een valoare de 67,000 Euro.<\/strong><\/p>\n<p>Deci dac\u0103 pl\u0103nuie\u0219ti s\u0103 aplici la un credit ipotecar acum, vei putea s\u0103 \u00eemprumu\u021bi mai pu\u021bin dec\u00e2t puteai \u00een Ianuarie cu acela\u0219i venit. Cre\u0219terile \u00een cheltuielile cu ratele sunt resim\u021bite mai puternic de cei care au f\u0103cut o achizi\u021bie \u00een trecut \u0219i care \u00eentr-un interval de c\u00e2teva luni trebuie s\u0103 pl\u0103teasc\u0103 cu 300-400 de lei mai mult.<\/p>\n<p>Promov\u0103m mereu <strong>comportamentul financiar responsabil<\/strong>, a\u0219a c\u0103 sfatul nostru este s\u0103 te asiguri c\u0103<strong> ratele nu dep\u0103\u0219esc 35% din veniturile nete lunare.<\/strong><\/p>\n<p>Dac\u0103 e\u0219ti \u00een pozi\u021bia \u00een care pl\u0103te\u0219ti o chirie lunar\u0103, ai un job stabil, un salariu peste medie \u0219i de\u021bii o sum\u0103 pentru avans, atunci f\u0103 o analiz\u0103 rapid\u0103 rata vs chirie, s\u0103 vezi ce locuin\u021b\u0103 ai putea cump\u0103ra pl\u0103tind aceea\u0219i sum\u0103 lunar\u0103 pe care acum o dai pe chirie.<\/p>\n<p>S\u0103 presupunem c\u0103 ai <strong>cheltuieli lunare cu chiria \u00een jur de 400 de Euro<\/strong> (1900 lei). \u00cen prezent, o rat\u0103 lunar\u0103 de 1,900 de lei se traduce \u00eentr-un credit ipotecar de 85,000 Euro pe 30 de ani.<\/p>\n<\/div><div class=\"fusion-text fusion-text-4\"><h3>Acceptabil, nu? Cu ce vrem s\u0103 r\u0103m\u00e2i citind acest articol:<\/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 fas\" aria-hidden=\"true\"><\/i><\/span><div class=\"fusion-li-item-content\">\n<p><strong><a href=\"https:\/\/123credit.ro\/blog\/credit-ipotecar-in-2022-sa-stau-in-casa-mea-sau-in-casa-altuia\/\" target=\"_blank\" rel=\"noopener noreferrer\">Dob\u00e2nzile au un trend ciclic<\/a><\/strong>, ele cresc \u0219i scad frecvent, nu este ceva neobi\u0219nuit.<\/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>At\u00e2ta timp c\u00e2t te asiguri c\u0103 valoarea ratei lunare \u00een prezent nu dep\u0103\u0219e\u0219te 35% din venitul t\u0103u net lunar atunci indiferent de fluctua\u021biile din pia\u021b\u0103, <strong>vei fi mereu \u00een siguran\u021b\u0103.<\/strong><\/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>F\u0103 o analiza s\u0103 vezi<em> <a href=\"https:\/\/123credit.ro\/calculator-imprumut\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>c\u00e2t po\u021bi \u00eemprumuta<\/strong><\/a><\/em> bazat pe venitul \u0219i avansul t\u0103u.<\/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><strong>\u00cencepe s\u0103 cau\u021bi locuin\u021ba <\/strong>care se \u00eencadreaz\u0103 \u00een acel buget \u0219i demareaz\u0103 procesul pentru c\u0103 \u0219i acesta va dura.<\/p>\n<\/div><\/li><\/ul><div class=\"fusion-text fusion-text-5\"><p>\u00cen concluzie, daca te reg\u0103se\u0219ti \u00een situa\u021bia \u00een care deja <a href=\"https:\/\/123credit.ro\/blog\/majorarea-dobanzilor-este-un-moment-bun-sa-cumpar-o-casa\/\" target=\"_blank\" rel=\"noopener noreferrer\">pl\u0103te\u0219ti chirie<\/a> dar vrei s\u0103-\u021bi cre\u0219ti nivelul de confort, s\u0103 po\u021bi bate \u0219i tu un cui \u00een perete, s\u0103 ag\u0103\u021bi un tablou sau s\u0103-\u021bi po\u021bi lua un animal de companie, atunci las\u0103 frica \u0219i reticen\u021ba \u0219i treci la fapte!<\/p>\n<p>Intra pe <a href=\"https:\/\/123credit.ro\">123credit.ro<\/a> sau <a href=\"https:\/\/123credit.ro\/contact\" target=\"_blank\" rel=\"noopener noreferrer\">contacteaza-ne<\/a> sa povestim despre planurile tale de a inlocui chiria cu rata lunara!<\/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\"> 4<\/span> <span class=\"rt-label rt-postfix\">minute<\/span><\/span><\/p>\n","protected":false},"author":7,"featured_media":496,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[16],"tags":[],"class_list":["post-328","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 v28.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Rata vs chirie. 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Sfatul brokerului - Blogul 123Credit\" \/>\n<meta property=\"og:description\" content=\"Rata vs chirie: o rata lunara de 1,900 de lei se traduce intr-un credit ipotecar de 85,000 Euro pe 30 de ani.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/123credit.ro\/blog\/rata-vs-chirie-inlocuieste-chiria-cu-rata-lunara-si-devino-proprietar\/\" \/>\n<meta property=\"og:site_name\" content=\"Blogul 123Credit\" \/>\n<meta property=\"article:published_time\" content=\"2022-07-28T11:28:15+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-09-08T08:44:26+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2022\/07\/cat-te-costa-chiria-1.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"800\" \/>\n\t<meta property=\"og:image:height\" content=\"560\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Ionut Verzea\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Scris de\" \/>\n\t<meta name=\"twitter:data1\" content=\"Ionut Verzea\" \/>\n\t<meta name=\"twitter:label2\" content=\"Timp estimat pentru citire\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/rata-vs-chirie-inlocuieste-chiria-cu-rata-lunara-si-devino-proprietar\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/rata-vs-chirie-inlocuieste-chiria-cu-rata-lunara-si-devino-proprietar\\\/\"},\"author\":{\"name\":\"Ionut Verzea\",\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/#\\\/schema\\\/person\\\/e2594027264e89512732b640154587c2\"},\"headline\":\"C\u00e2t te cost\u0103 chiria? \u00cenlocuie\u0219te chiria cu rata lunar\u0103 \u0219i devino proprietar\",\"datePublished\":\"2022-07-28T11:28:15+00:00\",\"dateModified\":\"2026-09-08T08:44:26+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/rata-vs-chirie-inlocuieste-chiria-cu-rata-lunara-si-devino-proprietar\\\/\"},\"wordCount\":1506,\"commentCount\":0,\"image\":{\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/rata-vs-chirie-inlocuieste-chiria-cu-rata-lunara-si-devino-proprietar\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/wp-content\\\/uploads\\\/2022\\\/07\\\/cat-te-costa-chiria-1.jpg\",\"articleSection\":[\"Noutati despre oferte credit si legislatie\"],\"inLanguage\":\"ro-RO\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/123credit.ro\\\/blog\\\/rata-vs-chirie-inlocuieste-chiria-cu-rata-lunara-si-devino-proprietar\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/rata-vs-chirie-inlocuieste-chiria-cu-rata-lunara-si-devino-proprietar\\\/\",\"url\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/rata-vs-chirie-inlocuieste-chiria-cu-rata-lunara-si-devino-proprietar\\\/\",\"name\":\"Rata vs chirie. 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