{"id":363,"date":"2022-08-22T08:25:27","date_gmt":"2022-08-22T05:25:27","guid":{"rendered":"https:\/\/123credit.ro\/blog\/?p=363"},"modified":"2024-08-07T10:17:23","modified_gmt":"2024-08-07T07:17:23","slug":"creditele-de-nevoi-personale-cu-sau-fara-garantie-imobiliara","status":"publish","type":"post","link":"https:\/\/123credit.ro\/blog\/creditele-de-nevoi-personale-cu-sau-fara-garantie-imobiliara\/","title":{"rendered":"Creditele de nevoi personale cu sau fara garantie imobiliara"},"content":{"rendered":"Timpul estimat pentru citire: <\/span> 7<\/span> minute<\/span><\/span>
<\/span><\/div><\/div><\/div>

AVANTAJE SI CONDITII <\/strong><\/h2>\n<\/div>

Creditele de nevoi personale<\/a> cu sau fara garantie imobiliara sunt acele credite care iti sunt acordate de catre banci sau IFN-uri <\/strong> in momentele in care ai nevoie de bani in plus.\"????\" Practic, in schimbul dobanzii percepute, bancile iti pun la dispozitie o suma de bani pe care o poti folosi pentru nevoile tale personale.<\/p>\n

Poti, accesa un credit de nevoi personale cand ai nevoie de o suma de bani pentru achizitia unei masini<\/strong><\/a> \"????\",<\/strong> pentru a investi in echipamente<\/strong> costisitoare pentru pasiunile tale \"????\", o problema medicala<\/strong><\/a> , renovarea locuintei \"????\" <\/strong>sau chiar pentru a pleca in vacanta \"????\ufe0f\".<\/strong><\/p>\n<\/div><\/div><\/div>

\u27a1\ufe0fInstitutiile financiare nu tin cont de scopul pentru care doresti sa accesezi creditul.<\/strong> Te vor intreba pentru ce anume ai nevoie de acel credit insa scopul folosirii creditului nu reprezinta o conditie in accesarea lui.<\/p>\n

Exista 2 tipuri <\/strong>de credite de nevoi personale:<\/h3>\n

????Fara garantie imobiliara<\/strong><\/p>\n

????Cu garantie imobiliara<\/strong><\/p>\n

Diferenta este destul de evidenta: garantezi sau nu cu un bun imobil (casa sau teren).<\/p>\n

Creditele fara garantie imobiliara in cazul unei banci variaza intre 4,000 lei <\/strong>si 150,000 lei<\/strong> lei pe o perioada intre 6 – 60 de luni \u23f3, iar in cazul unui IFN intre 100 lei<\/strong> si 400,000 <\/strong>lei pe o perioada intre 1<\/strong> si 60<\/strong> luni.<\/p>\n

\u27a1\ufe0f <\/strong>De exemplu sa zicem ca esti fotograf ???? , vrei sa faci un upgrade la echipamentele tale si sa achizitionezi aparatura de ultima generatie pentru a tine pasul cu tehnologia si trendurile. Tu ai o parte din bani insa nu detii intreaga suma ????. In aceasta situatie ai opta pentru varianta de accesare a unui credit de nevoi personale pentru a obtine o suma suplimentara de bani de care ai nevoie. Banca sau IFN-ul iti va acorda acea suma de bani atata timp cat veniturile tale arata ca poti sa sustii rata lunara aferenta.<\/p>\n<\/div>

Dar ce inseamna \u201ccredit de nevoi personale cu garantie imobiliara\u201d? ???? <\/strong>???? E acelasi lucru cu creditul ipotecar?<\/strong><\/h3>\n<\/div>

Pe scurt, nu, nu e acelasi lucru cu creditul ipotecar.<\/p>\n

Creditele cu garantie imobiliara iti permit sa imprumuti pana la aprox. 750,000 de lei. \"????\"<\/strong><\/p>\n

Accesezi un credit de nevoi personale cu garantie imobiliara atunci cand doresti sa investesti in ceva si ai nevoie sa imprumuti mai mult de 150,000 lei. Desi venitul tau iti permite sa sustii rata aferenta imprumutului, pentru securizarea unei sume mai mari de 150,000 lei, bancile iti vor cere sa garantezi cu o proprietate imobiliara, casa\/ apartament sau un teren intravilan, nu doar cu venitul tau.<\/p>\n

\"\u2705\"Un avantaj al creditelor cu garantie imobiliara<\/strong> este ca<\/strong> poti beneficia de dobanzi mai scazute<\/strong> (chiar pana la 7% fata de +9%) iar asta iti faciliteaza accesul catre sume mai mari.<\/p>\n

De aceea, daca ai in proprietate un bun imobil, poti mentiona acest lucru institutiei financiare pentru a vedea daca vei putea sa scazi costul creditului si sa cresti suma pe care o poti imprumuta.<\/p>\n

Institutia financiara va face o evaluare a acelui imobil si, in functie de veniturile tale, iti va finanta pana la 85% din valoarea proprietatii <\/strong>cu care garantezi.<\/p>\n

Trebuie de asemenea sa stii ca un credit de nevoi personale cu garantie imobiliara vine la pachet cu cateva costuri<\/a> <\/strong>aditionale fata de un credit fara garantie: evaluarea proprietatii cu care garantezi si taxele notariale pentru constituirea unei ipoteci in favoarea bancii.<\/p>\n<\/div>

???? Haide sa vedem si in ce situatii accesam un credit cu garantie ipotecara.<\/strong><\/h3>\n<\/div>

\"\u27a1\ufe0f\" <\/strong>De exemplu, sa zicem ca tu alaturi de partenerul tau aveti venituri nete lunare cumulate de 15,000 de lei \"????\"si detineti o proprietate mostenita, cu o valoare de piata de 100,000 de euro \"????\" pe care vreti sa o renovati si a carei renovare ar costa mai mult de 150,000 de lei.<\/p>\n

In cazul acesta ai optiunea sa soliciti bancii un credit de nevoi personale cu garantie imobiliara. Aplicand un grad de indatorare<\/a> de 40% la venitul vostru de 15,000 de lei, rezulta ca veti putea suporta o rata lunara de pana la 6,000 de lei. Accesand un credit cu garantie imobiliara, veti putea beneficia de o dobanda medie de 7% ceea ce inseamna ca, pe o perioada de 5 ani,puteti obtine un credit in valoare de pana la 300,000 de lei<\/strong>, practic dublu fata de varianta creditului fara garantie.\"????\"<\/p>\n

\"????\"Cum stiu daca sunt eligibil pentru accesarea unui credit de nevoi personale?<\/strong><\/h3>\n

Exista multe criterii pe care institutiile financiare le iau in considerare cand vine momentul sa decida ce suma iti pot acorda.\"????\" Principalele criterii la care institutiile financiare se uita sunt veniturile tale \"????\"si vechimea in munca. \"????\"<\/strong><\/p>\n

Daca aplici la un credit de nevoi personale la o banca<\/strong>, pentru a maximiza sansele sa obtii un credit, este indicat sa:<\/p>\n<\/div>

  • <\/i><\/span>
    \n

    incasezi un salariul net minim de 2,500 lei pe luna<\/p>\n<\/div><\/li>

  • <\/i><\/span>
    \n

    ai o vechime totala in munca de cel putin 12 luni, fara intreruperi mai mari de 30 de zile pe parcursul ultimului an<\/p>\n<\/div><\/li>

  • <\/i><\/span>
    \n

    ai 3 salarii incasate si raportate la ANAF la ultimul angajator (4 luni calendaristice)<\/p>\n<\/div><\/li>

  • <\/i><\/span>
    \n

    NU ai istoric negativ in Biroul de Credit. Adica, mai pe romaneste, in ultimii 5 ani sa nu fi avut intarzieri mai mari de 60 de zile la plata ratelor.<\/p>\n<\/div><\/li><\/ul>

    In cazul in care doresti sa accesezi un credit de la un IFN<\/strong>, e indicat sa:<\/p>\n

    ???? lucrezi de minim 3 luni cu contract de munca pe perioada nedeterminata<\/p>\n

    ???? ai salariul incasat si raportat la ANAF<\/p>\n

    \u2757Spre deosebire de banci, anumite IFN-uri iti pot acorda credite si daca ai intarzieri raportate la Biroul de Credit, cu conditia ca la momentul analizei, acele restante sa fie achitate.<\/p>\n

    Indiferent de nevoia personala pentru care doresti sa accesezi un credit, este important sa te informezi cat mai bine inainte, sa compari ofertele existente<\/strong> si sa alegi varianta care se potriveste si raspunde cel mai bine scopului pentru care doresti finantare.<\/p>\n

    \n

    Intra pe 123credit.ro ???? sa afli cat poti imprumuta, sa compari ofertele, sa verifici eligibilitatea si sa aplici direct online sau sa iei legatura cu unul dintre specialistii nostri de credit.<\/strong><\/p>\n<\/blockquote>\n<\/div><\/div><\/div><\/div><\/div>\n","protected":false},"excerpt":{"rendered":"

    Timpul estimat pentru citire: <\/span> 7<\/span> minute<\/span><\/span><\/p>\n","protected":false},"author":8,"featured_media":504,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[16],"tags":[44],"class_list":["post-363","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-noutati-despre-credite","tag-credit-cu-garantie-ipotecara"],"yoast_head":"\nGarantie imobiliara la credite. 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