{"id":3319,"date":"2025-07-07T09:53:00","date_gmt":"2025-07-07T06:53:00","guid":{"rendered":"https:\/\/123credit.ro\/blog\/?p=3319"},"modified":"2025-07-08T09:54:22","modified_gmt":"2025-07-08T06:54:22","slug":"creditul-fermierului","status":"publish","type":"post","link":"https:\/\/123credit.ro\/blog\/creditul-fermierului\/","title":{"rendered":"Creditul fermierului: ce este, cum func\u021bioneaz\u0103 \u0219i ce op\u021biuni ai \u00een 2025"},"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\"> 9<\/span> <span class=\"rt-label rt-postfix\">minute<\/span><\/span><p><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><b>Creditul fermierului este o form\u0103 special\u0103 de finan\u021bare, conceput\u0103 pentru a sprijini dezvoltarea activit\u0103\u021bilor agricole \u00een Rom\u00e2nia. \u00centr-un sector afectat de sezonalitate, incertitudini climatice \u0219i costuri ridicate, accesul la capital poate face diferen\u021ba \u00eentre stagnare \u0219i cre\u0219tere.<\/b><\/p>\n<p>\u00cen 2025, acest tip de credit beneficiaz\u0103 de sus\u021binere guvernamental\u0103 prin dob\u00e2nd\u0103 subven\u021bionat\u0103, garan\u021bii de stat \u0219i condi\u021bii mai flexibile dec\u00e2t \u00een cazul unui credit obi\u0219nuit.<\/p>\n<p>\u00cen acest articol \u00ee\u021bi explic\u0103m cum func\u021bioneaz\u0103, cine se calific\u0103, ce po\u021bi face cu banii \u0219i cum se compar\u0103 cu alte forme de \u00eemprumut.<\/p>\n<p>Ce este creditul fermierului \u0219i cum func\u021bioneaz\u0103<\/p>\n<p>Creditul fermierului este o linie de finan\u021bare sus\u021binut\u0103 de statul rom\u00e2n, adresat\u0103 fermierilor \u2013 fie c\u0103 sunt organiza\u021bi ca PFA, II, IF, SRL sau alte forme cu activitate agricol\u0103 (CAEN 01xx).<\/p>\n<p>Scopul este s\u0103 le permit\u0103 acestora s\u0103 ob\u021bin\u0103 fonduri rapid, cu costuri mai reduse dec\u00e2t prin creditele comerciale standard.<\/p>\n<p>Acest tip de credit se remarc\u0103 prin:<\/p>\n<ul>\n<li>Dob\u00e2nd\u0103 subven\u021bionat\u0103: statul acoper\u0103 integral dob\u00e2nda de referin\u021b\u0103 (ROBOR sau IRCC), iar fermierul pl\u0103te\u0219te doar o marj\u0103 fix\u0103 (de ex., 1,95%);<\/li>\n<li>Perioad\u0103 de gra\u021bie de <a href=\"https:\/\/revista-ferma.ro\/nou-ajutor-de-stat-credite-fermieri-pe-10-ani-inclusiv-pentru-cumparare-teren-agricol\/\"><b style=\"color: var(--awb-color5);\">p\u00e2n\u0103 la 12 luni<\/b><\/a>, \u00een care se pl\u0103te\u0219te doar dob\u00e2nda, nu \u0219i principalul;<\/li>\n<li><span style=\"color: var(--awb-color5);\"><a href=\"https:\/\/www.cec.ro\/creditul-fermierului?\"><b style=\"color: var(--awb-color5);\">Flexibilitate<\/b><\/a><\/span> la rambursare, adaptat\u0103 sezonului agricol: multe b\u0103nci permit pl\u0103\u021bi dup\u0103 recoltare, nu lunar;<\/li>\n<li>Garan\u021bii acoperite de stat: p\u00e2n\u0103 la 80\u2013100% din valoarea \u00eemprumutului poate fi garantat\u0103 prin FGCR sau <span style=\"color: var(--awb-color5);\"><b><a style=\"color: var(--awb-color5);\" href=\"https:\/\/www.fngcimm.ro\/APIA\">FNGCIMM<\/a><\/b><\/span>;<\/li>\n<li>Buget majorat \u00een 2025: MADR a alocat 1,86 miliarde lei pentru acest program, pentru a sprijini inclusiv fermierii afecta\u021bi de condi\u021bii meteo extreme sau \u00eent\u00e2rzieri de plat\u0103.<\/li>\n<\/ul>\n<p>Creditul poate fi utilizat pentru o gam\u0103 larg\u0103 de nevoi:<\/p>\n<ul>\n<li>Achizi\u021bia de utilaje agricole;<\/li>\n<li>Achizi\u021bia de terenuri sau sisteme de iriga\u021bii;<\/li>\n<li>Finan\u021barea activit\u0103\u021bilor sezoniere (inputuri, motorin\u0103, for\u021b\u0103 de munc\u0103);<\/li>\n<li>Modernizarea infrastructurii fermei.<\/li>\n<\/ul>\n<p>Este, \u00een esen\u021b\u0103, o solu\u021bie adaptat\u0103 specificului agriculturii rom\u00e2ne\u0219ti, unde cheltuielile apar \u00eenainte ca veniturile s\u0103 fie \u00eencasate.<\/p>\n<p>4 tipuri de credite pentru fermieri disponibile \u00een Rom\u00e2nia<\/p>\n<p>\u00cen func\u021bie de nevoile fermei \u0219i de perioada \u00een care ai nevoie de bani, creditul fermierului poate lua mai multe forme. Uite cele mai \u00eent\u00e2lnite tipuri de finan\u021bare:<\/p>\n<h3>1. Credite pentru capital de lucru<\/h3>\n<p>Acoper\u0103 cheltuieli imediate, precum achizi\u021bia de semin\u021be, \u00eengr\u0103\u0219\u0103minte, combustibil, piese de schimb sau salarii sezoniere. Sunt, de obicei, pe termen scurt (6\u201318 luni) \u0219i pot fi acordate rapid, pe baza istoricului agricol \u0219i a subven\u021biilor \u00eencasate.<\/p>\n<h3>2. Credite pentru investi\u021bii<\/h3>\n<p>Destinate achizi\u021biei de utilaje, echipamente agricole, moderniz\u0103rii infrastructurii, dezvolt\u0103rii de sere, sisteme de iriga\u021bii, sau chiar cump\u0103r\u0103rii de terenuri. Pot avea o durat\u0103 de p\u00e2n\u0103 la 10 ani \u0219i includ perioade de gra\u021bie de 6\u201312 luni.<\/p>\n<h3>3. Credite pe baza subven\u021biilor APIA<\/h3>\n<p>Banca \u00ee\u021bi ofer\u0103 un avans \u00een func\u021bie de valoarea subven\u021biei pe care urmeaz\u0103 s\u0103 o \u00eencasezi. Acest tip de credit este foarte popular \u00een r\u00e2ndul fermierilor mici, pentru c\u0103 nu necesit\u0103 garan\u021bii materiale complexe.<\/p>\n<h3>4. Credite cu garan\u021bii de stat<\/h3>\n<p>Disponibile prin FGCR sau FNGCIMM, aceste produse ofer\u0103 fermierului o garan\u021bie de p\u00e2n\u0103 la 80\u2013100% din valoarea \u00eemprumutului, reduc\u00e2nd riscul perceput de banc\u0103 \u0219i cresc\u00e2nd \u0219ansele de aprobare.<\/p>\n<p>Aceste forme de credit pot fi accesate separat sau combinate \u00eentr-un plan financiar adaptat nevoilor fiec\u0103rei exploata\u021bii agricole.<\/p>\n<\/div><\/div><\/div><\/div><\/div><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-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:15px;--awb-padding-right:15px;--awb-padding-bottom:15px;--awb-padding-left:15px;--awb-margin-top:20px;--awb-margin-bottom:20px;--awb-background-color:var(--awb-color4);--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-center 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_2 1_2 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:50%;--awb-margin-top-large:0px;--awb-spacing-right-large:3.84%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:3.84%;--awb-width-medium:50%;--awb-order-medium:0;--awb-spacing-right-medium:3.84%;--awb-spacing-left-medium:3.84%;--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=\"940\" height=\"788\" alt=\"articol despre codebitorul la creditul ipotecar\" title=\"codebitorul-credit-ipotecar\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/codebitor-credit-ipotecar.jpg\" class=\"img-responsive wp-image-1124\" srcset=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/codebitor-credit-ipotecar-200x168.jpg 200w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/codebitor-credit-ipotecar-400x335.jpg 400w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/codebitor-credit-ipotecar-600x503.jpg 600w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/codebitor-credit-ipotecar-800x671.jpg 800w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/codebitor-credit-ipotecar.jpg 940w\" sizes=\"(max-width: 640px) 100vw, 600px\" \/><\/span><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-2 fusion_builder_column_1_2 1_2 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:50%;--awb-margin-top-large:0px;--awb-spacing-right-large:3.84%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:3.84%;--awb-width-medium:50%;--awb-order-medium:0;--awb-spacing-right-medium:3.84%;--awb-spacing-left-medium:3.84%;--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-text fusion-title-size-four\" style=\"--awb-text-color:#ffffff;--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:10px;--awb-margin-left-small:0px;--awb-font-size:30px;\"><h4 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;font-size:1em;--fontSize:30;line-height:var(--awb-typography1-line-height);\">Ai nevoie de un credit ipotecar?<\/h4><\/div><div class=\"fusion-text fusion-text-2\"><p style=\"color: #ffffff;\">Specialistul in creditare este persoana care iti expune toate variantele de credit potrivite pentru profilul tau si se ocupa de intregul tau dosar si te poate ajuta cu accesarea oricarui tip de credit si este persoana de legatura dintre tine si banca.<\/p>\n<\/div><div ><a class=\"fusion-button button-flat fusion-button-default-size button-custom fusion-button-default button-1 fusion-button-default-span fusion-button-default-type\" style=\"--button_accent_color:var(--awb-color1);--button_accent_hover_color:#000000;--button_border_hover_color:#000000;--button_gradient_top_color:#fe9900;--button_gradient_bottom_color:#fe9900;--button_gradient_top_color_hover:#ffffff;--button_gradient_bottom_color_hover:#ffffff;\" target=\"_blank\" rel=\"noopener noreferrer\" href=\"https:\/\/123credit.ro\/specialisti-credite#brokers\"><span class=\"fusion-button-text awb-button__text awb-button__text--default\">VEZI OFERTELE PENTRU CREDIT IPOTECAR<\/span><\/a><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-3 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-3 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-3\"><h2>Condi\u021bii de eligibilitate \u0219i documente necesare<\/h2>\n<p>Creditul fermierului este destinat persoanelor \u0219i firmelor care desf\u0103\u0219oar\u0103 activit\u0103\u021bi agricole \u00eenregistrate legal. B\u0103ncile care acord\u0103 acest tip de finan\u021bare au criterii similare, dar pot exista varia\u021bii minore \u00een func\u021bie de institu\u021bia aleas\u0103.<\/p>\n<p><b>Cine poate aplica:<\/b><\/p>\n<ul>\n<li>Persoane fizice autorizate (PFA) cu cod CAEN agricol;<\/li>\n<li>\u00centreprinderi individuale (II) sau familiale (IF);<\/li>\n<li>SRL-uri \u0219i alte forme de organizare juridic\u0103 cu activitate \u00een agricultur\u0103 (ex: coduri CAEN din 01xx \u2013 cultur\u0103 vegetal\u0103, zootehnie, etc.) (surs\u0103: cec.ro).<\/li>\n<\/ul>\n<p><b>Documentele solicitate de obicei:<\/b><\/p>\n<ul>\n<li>Actele firmei sau ale PFA-ului (certificat de \u00eenregistrare, certificat constatator ONRC);<\/li>\n<li>Bilan\u021b contabil sau documente fiscale simplificate (\u00een cazul PFA);<\/li>\n<li>Plan de afaceri sau justificare simpl\u0103 a utiliz\u0103rii fondurilor;<\/li>\n<li>Extras APIA (dac\u0103 e vorba de credit pe baza subven\u021biei);<\/li>\n<li>Documente privind garan\u021biile (bunuri mobile, imobile, conturi colaterale etc.);<\/li>\n<li>Situa\u021bie privind datoriile restante (pentru verificare \u00een Centrala Riscurilor de Credit \u0219i Biroul de Credit).<\/li>\n<\/ul>\n<p>Garan\u021biile acceptate pot varia \u00een func\u021bie de tipul creditului, dar \u00een multe cazuri sunt sprijinite de stat prin FGCR sau FNGCIMM, care pot acoperi \u00eentre 80% \u0219i 100% din valoarea \u00eemprumutului.<\/p>\n<p>Aceast\u0103 flexibilitate face ca creditul fermierului s\u0103 fie mai accesibil dec\u00e2t alte forme de credit, mai ales pentru fermele mici sau mijlocii, care nu dispun de garan\u021bii materiale solide.<\/p>\n<h2 class=\"\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><span style=\"font-weight: 400;\">Concluzie<\/span><\/h2>\n<p>Creditul fermierului este una dintre cele mai eficiente solu\u021bii de finan\u021bare pentru agricultur\u0103 \u00een 2025, mai ales datorit\u0103 sus\u021binerii din partea statului: dob\u00e2nd\u0103 subven\u021bionat\u0103, perioad\u0103 de gra\u021bie generoas\u0103 \u0219i garan\u021bii de p\u00e2n\u0103 la 100% din valoarea \u00eemprumutului.<\/p>\n<p>Este o op\u021biune excelent\u0103 pentru ferme mici \u0219i mijlocii care au nevoie de lichiditate rapid\u0103 sau planific\u0103 investi\u021bii \u00een utilaje, iriga\u021bii sau terenuri. Spre deosebire de un credit de nevoi personale sau un credit IMM standard, ofer\u0103 termeni mai bl\u00e2nzi, flexibilitate \u0219i acces facil chiar \u0219i pentru fermierii care nu dispun de garan\u021bii solide.<\/p>\n<p>Dac\u0103 nu e\u0219ti sigur ce form\u0103 de credit agricol \u021bi se potrive\u0219te, <a style=\"color: var(--awb-color5);\" href=\"https:\/\/123credit.ro\/contact\"><b>speciali\u0219tii 123Credit<\/b><\/a> te pot ajuta gratuit s\u0103 alegi cea mai bun\u0103 op\u021biune \u00een func\u021bie de tipul fermei, veniturile tale sezoniere \u0219i planurile pe termen mediu.<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-4 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-4 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-4\"><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<ol>\n<li><b> Poate fi orice persoan\u0103 codebitor?<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Majoritatea b\u0103ncilor \u00eei cer codebitorul s\u0103 fie rud\u0103 cu titularul, dar exist\u0103 \u0219i excep\u021bii unde sunt accepta\u021bi codebitori care nu sunt membri ai familiei.<\/span><\/p>\n<ol start=\"2\">\n<li><b> Ce se \u00eent\u00e2mpl\u0103 dac\u0103 titularul nu poate pl\u0103ti rata?<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Dac\u0103 titularul nu poate pl\u0103ti rata, codebitorul devine responsabil pentru plata acesteia.<\/span><\/p>\n<ol start=\"3\">\n<li><b> Poate codebitorul s\u0103 ias\u0103 din tranzac\u021bie ulterior?<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Da, codebitorul poate s\u0103 ias\u0103 din tranzac\u021bie dac\u0103 banca constat\u0103 c\u0103 titularul poate sus\u021bine rata creditului cu veniturile proprii.<\/span><\/p>\n<ol start=\"4\">\n<li><b> Ce impact are creditul asupra raportului Biroului de Credit al codebitorului?<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Rata creditului ipotecar va fi reflectat\u0103 \u0219i \u00een raportul Biroului de Credit al codebitorului, influen\u021b\u00e2nd capacitatea acestuia de a ob\u021bine credite viitoare.<\/span><\/p>\n<ol start=\"5\">\n<li><b> Trebuie codebitorul s\u0103-\u0219i vireze salariul \u00een contul b\u0103ncii?<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Nu. B\u0103ncile solicita doar titularului de credit virarea salariului prin conturile lor, pentru ofertele de credit care implica o astfel de condi\u021bie.<\/span><\/p>\n<ol start=\"6\">\n<li><b> C\u00e2\u021bi codebitori pot fi accepta\u021bi pentru un credit ipotecar?<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">\u00cen general, la creditul ipotecar pot fi accepta\u021bi maxim 3 codebitori, dintre care unul neap\u0103rat trebuie s\u0103 fie rud\u0103.<\/span><\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-5 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-5 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-2 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);\"><p><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;\"> institu\u021bii<br \/>\nfinanciare partenere:<\/span><\/p><\/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 hover-type-none\"><img decoding=\"async\" width=\"198\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-unicredit-consumer-finance.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=\"152\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-unicredit.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-viva.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-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\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-credit-eu.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" srcset=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-credit-eu-200x55.png 200w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-credit-eu.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-creditprime.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" srcset=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-creditprime-200x55.png 200w, 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\" 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pentru tine.<\/h5><\/div><div style=\"text-align:center;\"><a class=\"fusion-button button-flat fusion-button-default-size button-default fusion-button-default button-3 fusion-button-span-no fusion-button-default-type\" target=\"_self\" href=\"https:\/\/nf.123credit.ro\/\"><span class=\"fusion-button-text awb-button__text awb-button__text--default\">Vreau credit!<\/span><\/a><\/div><\/div><\/div><\/div><\/div><\/p>\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\"> 9<\/span> <span class=\"rt-label 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