{"id":3399,"date":"2025-07-18T20:09:00","date_gmt":"2025-07-18T17:09:00","guid":{"rendered":"https:\/\/123credit.ro\/blog\/?p=3399"},"modified":"2025-07-20T21:47:20","modified_gmt":"2025-07-20T18:47:20","slug":"creditul-verde-intre-sustenabilitate-si-necesitate","status":"publish","type":"post","link":"https:\/\/123credit.ro\/blog\/creditul-verde-intre-sustenabilitate-si-necesitate\/","title":{"rendered":"Creditul Verde \u00eentre sustenabilitate \u0219i necesitate"},"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\"> 7<\/span> <span class=\"rt-label rt-postfix\">minute<\/span><\/span><p><span style=\"font-weight: 400;\">Te g\u00e2nde\u0219ti la creditul verde? Acest tip de finan\u021bare a fost introdus de unele b\u0103nci din Rom\u00e2nia \u00een ultimii ani pentru a sus\u021bine proiecte prietenoase cu mediul \u2013 de la locuin\u021be eficiente energetic, la echipamente verzi sau panouri fotovoltaice. \u00cen 2025, creditul verde \u00eenc\u0103 exist\u0103, dar sub forme \u0219i condi\u021bii diferite \u00een func\u021bie de banc\u0103.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Creditul verde se bazeaz\u0103 pe o serie de reglement\u0103ri \u0219i ini\u021biative europene care fac parte din strategia mai ampl\u0103 a Uniunii Europene de a promova tranzi\u021bia c\u0103tre o economie durabil\u0103 \u0219i neutr\u0103 din punct de vedere climatic.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00cen baza Regulamentului UE privind taxonomia activit\u0103\u021bilor durabile (Regulamentul (UE) 2020\/852) care este documentul fundamental pentru definirea clar\u0103 a ceea ce \u00eenseamn\u0103 \u201eactivitate economic\u0103 durabil\u0103\u201d din punct de vedere ecologic \u0219i care a fost adoptat \u00een iunie 2020, aplicabil din 2021 se disting c\u00e2teva criterii principale:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ofer\u0103 un cadru oficial pentru a identifica investi\u021biile \u201everzi\u201d.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">B\u0103ncile \u00eel folosesc pentru a determina dac\u0103 o locuin\u021b\u0103, un proiect de construc\u021bie sau un produs se calific\u0103 pentru finan\u021bare verde.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Dac\u0103 proiectul finan\u021bat se aliniaz\u0103 cu taxonomia, atunci poate fi considerat \u201everde\u201d.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Iat\u0103 principalele reglement\u0103ri \u0219i ini\u021biative \u00een baza c\u0103rora b\u0103ncile ofer\u0103 credite verzi.<\/span><\/p>\n<h2><b>Ce este, de fapt, creditul verde, este un concept sau un produs?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Creditul verde este o denumire ce separa no\u021biunea unui produs bancar standard de un produs dedicat finan\u021b\u0103rii proiectelor eco \u2013 cum ar fi:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">achizi\u021bia\/finan\u021barea unei locuin\u021be cu eficien\u021b\u0103 energetic\u0103 ridicat\u0103 (clasele A \u0219i B), creeaza avantajele necesare pentru achizi\u021bionarea unei locuin\u021be noi, <\/span><a href=\"https:\/\/123credit.ro\/blog\/locuinta-noua-vs-locuinta-veche\/\"><b>vezi articol<\/b><span style=\"font-weight: 400;\">\u00a0<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">instalarea de panouri solare, pompe de c\u0103ldur\u0103 sau alte tehnologii verzi<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">cump\u0103rarea de echipamente eficiente energetic pentru cas\u0103 sau firm\u0103<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">finan\u021barea de vehicule electrice sau hibride\u00a0<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Interesul b\u0103ncilor vine din direc\u021biile de sustenabilitate (ESG &#8211; Environmental, Social, and Governance &#8211; Dezvoltare social\u0103, de mediu \u0219i guvernan\u021b\u0103), dar \u0219i din oportunitatea de a atrage clien\u021bi cu nevoi moderne.<\/span><\/p>\n<p><b>Ce reprezint\u0103 ESG? &#8211; <\/b><span style=\"font-weight: 400;\">ESG utilizeaz\u0103 criterii standard pentru a evalua \u0219i demonstra performan\u021ba \u0219i succesul unei organiza\u021bii \u00een materie de sustenabilitate. Ac\u021bionarii unei companii se a\u0219teapt\u0103 ca activit\u0103\u021bile economice s\u0103 nu se limiteze doar la performan\u021ba financiar\u0103, ci s\u0103 aib\u0103 \u0219i o contribu\u021bie pozitiv\u0103 la nivelul societ\u0103\u021bii:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Criteriile de mediu iau \u00een considerare modul \u00een care se comport\u0103 o organiza\u021bie \u00een calitate de custode al naturii.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Criteriile sociale se refer\u0103 la modul \u00een care gestioneaz\u0103 o organiza\u021bie rela\u021biile sociale cu angaja\u021bii, furnizorii, clien\u021bii \u0219i comunit\u0103\u021bile \u00een mijlocul c\u0103rora \u00ee\u0219i desf\u0103\u0219oar\u0103 activitatea.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Guvernan\u021ba se refer\u0103 la leadership-ul organiza\u021biei, remunerarea executivilor, auditurile, controalele interne \u0219i drepturile ac\u021bionarilor.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Creditul verde nu este o inven\u021bie a b\u0103ncilor, ci un produs aliniat cu:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Regulamentul privind Taxonomia UE (UE 2020\/852)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Directivele privind performan\u021ba energetic\u0103 a cl\u0103dirilor (EPBD)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Pachetul \u201eFit for 55\u201d \u0219i obiectivul 2050<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Regulamentul SFDR (UE 2019\/2088)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Standardul voluntar pentru obliga\u021biuni verzi (EU GBS)<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Toate aceste norme contribuie la apari\u021bia \u0219i men\u021binerea creditelor verzi ca produse financiare strategice pentru tranzi\u021bia ecologic\u0103 european\u0103.<\/span><\/p>\n<h2><b>Cine ofer\u0103 creditul verde \u00een 2025?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Mai multe b\u0103nci active \u00een Rom\u00e2nia continu\u0103 s\u0103 ofere produse (sub denumiri de genul \u201everde\u201d, \u201everde home\u201d, \u201eexpresso verde\u201d, etc.). Iat\u0103 cele mai relevante (\u0219i active \u00een 2025):<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Raiffeisen Bank \u2013 Casa ta Verde &#8211; Credit imobiliar pentru locuin\u021be cu certificare RoGBC (clasa A\/B), dob\u00e2nd\u0103 fix\u0103 la \u00eenceput \u0219i variabil\u0103 ulterior\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Banca Transilvania \u2013 Credit imobiliar verde &#8211; \u00cenc\u0103 oferit pentru locuin\u021be eco-friendly, cu dob\u00e2nd\u0103 redus\u0103 \u00een compara\u021bie cu creditele standard\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">BCR \u2013 Casa Mea Natura \/ Habitat Verde &#8211; Produse ipotecare pentru locuin\u021be verzi, cu dob\u00e2nzi avantajoase \u0219i avans flexibil\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">BRD \u2013 Expresso Verde &amp; Habitat Verde &#8211; Credite pentru consum (echipamente\/ma\u0219ini verzi) \u0219i ipotecare pentru locuin\u021be verzi, cu dob\u00e2nzi \u00een jur de 6\u201313%\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Vista Bank \u2013 Vista Green Home &#8211; Finan\u021beaz\u0103 locuin\u021be certificate RoGBC, cu dob\u00e2nzi \u0219i comisioane reduse\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">First Bank \u2013 ofer\u0103 consultan\u021b\u0103 \u0219i credite verzi pentru companii \u0219i prosumatori (panouri fotovoltaice)\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Pe scurt, \u00een 2025, creditul verde nu doar c\u0103 exist\u0103, dar are o ofert\u0103 variat\u0103 \u00een func\u021bie de nevoile tale fie imobil, echipament, fie vehicul.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Acestea sunt c\u00e2teva exemple, bine\u00een\u021beles, dar \u00een viitorul apropiat c\u00e2nd vor fi \u0219i mai multe p\u0103r\u021bi implicate \u00een aceast\u0103 sustenabilitate a finan\u021b\u0103rilor care asigur\u0103 dezvoltarea \u0219i implementarea conceptului ESG la nivel mondial, se a\u0219teapt\u0103 din ce \u00een ce mai multe produse de finan\u021bare, mai multe strategii \u0219i, bine\u00een\u021beles, poate modific\u0103ri ale legisla\u021biei sau cel pu\u021bin flexibilizarea normelor actuale.<\/span><\/p>\n<h2><b>De ce merit\u0103 s\u0103 alegi creditul verde<\/b><\/h2>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Dob\u00e2nzi preferen\u021biale &#8211; Dac\u0103 achizi\u021bionezi locuin\u021be cu eficien\u021b\u0103 energetic\u0103 ridicat\u0103, po\u021bi beneficia de dob\u00e2nzi semnificativ mai mici comparativ cu creditele standard<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Economii lunare \u0219i impact asupra mediului &#8211; O locuin\u021b\u0103 \u201ceco\u201d te ajut\u0103 s\u0103 pl\u0103te\u0219ti mai pu\u021bin la \u00eenc\u0103lzire \u0219i electricitate, iar creditul verde te stimuleaz\u0103 s\u0103 faci pasul c\u0103tre sustenabilitate<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Sus\u021binerea planurilor ESG &#8211; Dac\u0103 vrei ca investi\u021bia ta s\u0103 conteze, creditul verde te pozi\u021bioneaz\u0103 ca sus\u021bin\u0103tor al unui viitor s\u0103n\u0103tos, sprijinit \u0219i de politicile b\u0103ncilor \u0219i ale Uniunii Europene<\/span><\/li>\n<\/ol>\n<h2><b>Tipuri de credit verde disponibile<\/b><\/h2>\n<p><b>A) Credit verde imobiliar<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Pentru locuin\u021be cu certificare energetic\u0103 A\/B, finan\u021bare ipotecar\u0103 (p\u00e2n\u0103 la 85\u201390%), maturit\u0103\u021bi de 20\u201335 ani.<\/span><\/p>\n<p><b>B) Credit verde de consum<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Pentru echipamente care reduc consumul energetic (panouri, pompe, electrocasnice ecologice), cu sume p\u00e2n\u0103 la 130.000 lei, maturitate 5 ani.<\/span><\/p>\n<p><b>C) Credit verde auto<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Pentru autovehicule electrice\/hibrid cu emisii sub 50 g CO\u2082\/km (ex. Expresso Verde BRD)\u00a0<\/span><\/p>\n<p><b>D) Finan\u021b\u0103ri pentru prosumatori \/ companii<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Credite pentru firme sau persoane inginere\u0219ti care vor panouri fotovoltaice, cu finan\u021b\u0103ri de p\u00e2n\u0103 la 85% din valoare, iar \u00een anumite situa\u021bii poate cre\u0219te peste aceasta valoare de 85%.<\/span><\/p>\n<h2><b>Cum alegi creditul verde potrivit pentru tine<\/b><\/h2>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Stabile\u0219te ce vrei: hain\u0103 financiar\u0103 (casa, echipamente, ma\u0219in\u0103 verde).<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Compar\u0103 ofertele \u00eentre b\u0103nci: dob\u00e2nd\u0103, comisioane, avans, documente necesare.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Verific\u0103 ce certific\u0103ri ai nevoie: locuin\u021b\u0103 (A\/B), factur\u0103 CO\u2082 (auto), evalu\u0103ri RoGBC.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Utilizeaz\u0103 simulatoare online sau discut\u0103 direct cu brokeri\/agen\u021bi.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Verific\u0103 perioada fix\u0103 de dob\u00e2nd\u0103 \u2013 ex: 3\u20135 ani fix pentru ipotecare\u00a0<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Ia \u00een calcul perioada de rambursare \u2013 \u201cipotecile verzi\u201d pot merge cu finan\u021barea p\u00e2n\u0103 la 35 de ani.<\/span><\/p>\n<h2><b>Concluzie<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Creditul verde r\u0103m\u00e2ne \u00een 2025 o op\u021biune solid\u0103 pentru cine vrea s\u0103 \u00eembine investi\u021biile personale cu protec\u021bia mediului.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Dac\u0103 vrei o cas\u0103 eficient\u0103 energetic, un vehicul eco, un sistem fotovoltaic sau echipamente sustenabile, acest credit \u00ee\u021bi ofer\u0103 avantaje reale: dob\u00e2nzi preferen\u021biale, economie la facturi \u0219i contribu\u021bie la un viitor durabil.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Tu trebuie doar s\u0103-\u021bi define\u0219ti clar scopul \u0219i s\u0103 compari ofertele b\u0103ncilor cu <\/span><a href=\"https:\/\/123credit.ro\/consultanti-credite\"><b>ajutorul nostru<\/b><\/a><span style=\"font-weight: 400;\">. Apoi, adun\u0103 documentele necesare \u0219i porne\u0219te \u00een procesul de ob\u021binere a creditului. Dac\u0103 ai nevoie de ajutor cu simul\u0103ri de rate, oferte exacte sau preg\u0103tirea dosarului, spune-mi \u0219i te pot asista pas cu pas.<\/span><\/p>\n<h2><b>\u00centreb\u0103ri frecvente<\/b><\/h2>\n<h3><b>1. Ce presupune s\u0103 ob\u021bii un credit verde pentru locuin\u021b\u0103?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Trebuie s\u0103 ai certificat energetic A\/B emis de RoGBC sau autoritate, avans mai mic (~15%), \u0219i evaluare eco. Dob\u00e2nda e fix\u0103 pentru o perioad\u0103, apoi variabil\u0103.<\/span><\/p>\n<h3><b>2. Care e suma maxim\u0103 pentru creditul verde de consum?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">La anumite b\u0103nci, limita este de 130.000 lei, cu maturitate maxim\u0103 de 60 luni\u00a0<\/span><\/p>\n<h3><b>3.\u021ai se acord\u0103 \u0219i pentru autoturisme electrice?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Da. Permite finan\u021barea ma\u0219inilor electrice\/hibrid cu emisii sub 50\u202fg CO\u2082\/km\u00a0<\/span><\/p>\n<h3><b>4. Ce dob\u00e2nzi practic\u0103 b\u0103ncile?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">La acest moment, dob\u00e2nzile \u00een pia\u021b\u0103 variaz\u0103. Ele sunt dependente de mai mul\u021bi factori \u0219i mai multe criterii \u00een ceea ce stabile\u0219te eligibilitatea unui profil al unui poten\u021bial client. Pentru asta v\u0103 sf\u0103tuim s\u0103 discuta\u021bi cu unul dintre <\/span><a href=\"https:\/\/123credit.ro\/consultanti-credite\"><b>speciali\u0219tii no\u0219tri<\/b><\/a><span style=\"font-weight: 400;\">. Varietate: 4,77%\u20136,65% (ipotecare) \u0219i 6,25%\u201316% (consum) \u00een func\u021bie de banc\u0103 \u0219i risc<\/span><\/p>\n<h3><b>5. Este complicat procesul de aprobare?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Da, este mai complex dec\u00e2t la un credit standard: ai nevoie de certific\u0103ri, documente suplimentare \u0219i evalu\u0103ri energetice<\/span><\/p>\n<div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 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-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-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-1 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);\"><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;\"> institutii financiare partenere:<\/span><\/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 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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) 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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\" aria-hidden=\"true\"><\/i><\/div><\/div><\/div><div style=\"text-align:center;\"><a class=\"fusion-button button-flat fusion-button-default-size button-default fusion-button-default button-1 fusion-button-default-span fusion-button-default-type\" style=\"--awb-margin-top:0px;--awb-margin-bottom:0px;\" target=\"_self\" href=\"https:\/\/123credit.ro\"><span class=\"fusion-button-text awb-button__text awb-button__text--default\">Aplica pentru un credit in mai putin de 5 minute<\/span><\/a><\/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\"> 7<\/span> <span class=\"rt-label rt-postfix\">minute<\/span><\/span>Te g\u00e2nde\u0219ti la creditul verde? Acest tip de finan\u021bare a fost introdus de unele b\u0103nci din Rom\u00e2nia \u00een ultimii ani pentru a sus\u021bine proiecte prietenoase cu mediul \u2013 de la locuin\u021be eficiente energetic, la echipamente verzi sau panouri fotovoltaice. \u00cen 2025, creditul verde \u00eenc\u0103 exist\u0103, dar sub forme \u0219i condi\u021bii diferite \u00een func\u021bie de banc\u0103. Creditul verde se bazeaz\u0103 pe  [&#8230;]<\/p>\n","protected":false},"author":10,"featured_media":3401,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[52],"tags":[],"class_list":["post-3399","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>Creditul Verde \u00eentre sustenabilitate \u0219i necesitate - Blogul 123Credit<\/title>\n<meta name=\"description\" content=\"Creditul verde 2025: afl\u0103 ce b\u0103nci ofer\u0103 finan\u021b\u0103ri eco pentru locuin\u021be, echipamente, ma\u0219ini electrice sau panouri solare. 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