{"id":3805,"date":"2025-08-27T12:00:41","date_gmt":"2025-08-27T09:00:41","guid":{"rendered":"https:\/\/123credit.ro\/blog\/?p=3805"},"modified":"2025-09-01T09:37:03","modified_gmt":"2025-09-01T06:37:03","slug":"aedificium-banca-pentru-locuinte","status":"publish","type":"post","link":"https:\/\/123credit.ro\/blog\/aedificium-banca-pentru-locuinte\/","title":{"rendered":"Aedificium Banca pentru Locuin\u021be \u2013 povestea complet\u0103 a unei idei bune care nu a supravie\u021buit"},"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><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 fusion-flex-container nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1144px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-blend:overlay;--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-1\"><p><span style=\"font-weight: 400;\">\u00centr-o Rom\u00e2nie unde accesul la locuin\u021be este din ce \u00een ce mai dificil, o banc\u0103 specializat\u0103 pe economisire \u0219i creditare pentru cas\u0103 p\u0103rea o idee genial\u0103. Asta a fost, pentru o vreme, Aedificium Banca pentru Locuin\u021be. Dar, din 2023, acest nume a disp\u0103rut din peisajul bancar. Ce s-a \u00eent\u00e2mplat? De ce a fost creat\u0103 banca, cum func\u021biona \u0219i care sunt lec\u021biile pe care le putem \u00eenv\u0103\u021ba din \u00eenchiderea sa? Afl\u0103 totul mai jos.<\/span><\/p>\n<h2 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><b>Ce a fost Aedificium Banca pentru Locuin\u021be<\/b><\/h2>\n<p>Aedificium Banca pentru Locuin\u021be a fost o banc\u0103 rom\u00e2neasc\u0103 cu statut special, axat\u0103 pe economisire \u0219i creditare pentru locuin\u021be. Nu era o banc\u0103 tradi\u021bional\u0103 care oferea <a style=\"color: var(--awb-color5);\" href=\"https:\/\/123credit.ro\/blog\/acte-necesare-pentru-un-credit-ipotecar\/\"><b>credite ipotecare <\/b><\/a>obi\u0219nuite, ci o banc\u0103 ce func\u021biona dup\u0103 modelul german \u201eBauspar\u201d.<\/p>\n<p><span style=\"font-weight: 400;\">Acest sistem presupunea dou\u0103 etape: mai \u00eent\u00e2i clientul economisea o sum\u0103 lunar\u0103, cu dob\u00e2nd\u0103 mic\u0103, dar sigur\u0103, iar apoi putea ob\u021bine un credit pentru renovare sau achizi\u021bie de locuin\u021b\u0103, cu dob\u00e2nd\u0103 fix\u0103 avantajoas\u0103.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Banca a fost cunoscut\u0103 mult timp sub denumirea de Raiffeisen Banca pentru Locuin\u021be, dar dup\u0103 schimb\u0103rile de ac\u021bionariat \u0219i rebranding, \u0219i-a continuat activitatea sub numele Aedificium. Din p\u0103cate, \u00een 2023 \u0219i-a \u00eenchis oficial por\u021bile.<\/span><\/p>\n<h2 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><b>De ce a fost creat\u0103 Aedificium Banca pentru Locuin\u021be<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Aedificium a fost creat\u0103 pentru a \u00eencuraja economisirea responsabil\u0103 \u00een vederea ob\u021binerii unei locuin\u021be. \u00centr-un climat economic unde mul\u021bi rom\u00e2ni tr\u0103iau de la un salariu la altul \u0219i nu aveau un plan financiar stabil, aceast\u0103 banc\u0103 a venit cu o solu\u021bie educativ\u0103 \u0219i disciplinat\u0103.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Motiva\u021biile principale din spatele cre\u0103rii b\u0103ncii au fost:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Crearea unui sistem stabil de economisire pe termen lung<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Oferirea de credite cu dob\u00e2nd\u0103 fix\u0103 \u0219i sc\u0103zut\u0103, indiferent de evolu\u021bia pie\u021bei<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Acordarea unei prime de stat anuale, care \u00eencuraja economisirea<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Educarea publicului \u00een spiritul planific\u0103rii financiare pe termen mediu \u0219i lung<\/span><\/li>\n<\/ul>\n<h2 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><b>Cum func\u021biona sistemul de economisire-creditare Bauspar<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Sistemul Bauspar, pe care Aedificium Banca pentru Locuin\u021be l-a implementat \u00een Rom\u00e2nia, este unul simplu \u0219i eficient. Iat\u0103 pa\u0219ii:<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Economise\u0219ti lunar o sum\u0103 fix\u0103, pe o perioad\u0103 \u00eentre 3 \u0219i 5 ani<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Prime\u0219ti dob\u00e2nd\u0103 bancar\u0103 + o prim\u0103 de stat (sub form\u0103 de bonus pentru economisire)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Dup\u0103 aceast\u0103 perioad\u0103, dac\u0103 ai atins pragul minim de economisire, po\u021bi accesa un credit cu dob\u00e2nd\u0103 fix\u0103<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Banii pot fi folosi\u021bi exclusiv pentru achizi\u021bia, construc\u021bia sau modernizarea unei locuin\u021be<\/span><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Dob\u00e2nzile pentru economisire erau mici, dar garantate, iar cele pentru creditare erau semnificativ mai avantajoase dec\u00e2t cele de pe pia\u021ba clasic\u0103 bancar\u0103.<\/span><\/p>\n<h2 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><b>Ce avantaje oferea Aedificium Banca pentru Locuin\u021be clien\u021bilor<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Pentru o bun\u0103 perioad\u0103 de timp, Aedificium a fost o op\u021biune solid\u0103 pentru cei care voiau s\u0103 economiseasc\u0103 pentru viitoarea lor locuin\u021b\u0103. Printre principalele avantaje se num\u0103rau:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Dob\u00e2nd\u0103 fix\u0103 pentru credite \u2013 f\u0103r\u0103 riscul fluctua\u021biilor de pia\u021b\u0103<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Bonus anual de la stat \u2013 p\u00e2n\u0103 la 25% din suma economisit\u0103, \u00een limita a 250 euro\/an<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">F\u0103r\u0103 comisioane ascunse<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Disciplina financiar\u0103 impus\u0103 de planul de economisire<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Eligibilitate crescut\u0103 pentru credit dup\u0103 perioada de economisire<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">A fost o alternativ\u0103 real\u0103 la creditele ipotecare clasice, mai ales pentru tinerii care nu erau \u00eenc\u0103 preg\u0103ti\u021bi s\u0103 contracteze un \u00eemprumut mare, dar voiau s\u0103 se preg\u0103teasc\u0103 pentru viitor.<\/span><\/p>\n<h2 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><b>De ce s-a \u00eenchis Aedificium Banca pentru Locuin\u021be \u00een 2023<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Chiar dac\u0103 ideea p\u0103rea una bun\u0103, Aedificium Banca pentru Locuin\u021be \u0219i-a \u00eencetat activitatea. Motivele sunt multiple \u0219i complexe:<\/span><\/p>\n<ul>\n<li aria-level=\"1\"><span style=\"font-weight: 400;\">Probleme legale privind acordarea primelor de stat: <\/span><b><a style=\"color: var(--awb-color5);\" href=\"https:\/\/www.curteadeconturi.ro\/\">Curtea de Conturi <\/a><\/b><span style=\"font-weight: 400;\">a contestat legalitatea acord\u0103rii acestor prime c\u0103tre persoane care nu luau efectiv un credit dup\u0103 economisire<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Sc\u0103derea interesului clien\u021bilor: Odat\u0103 cu sc\u0103derea dob\u00e2nzilor pe pia\u021b\u0103 \u0219i cre\u0219terea altor op\u021biuni de economisire, modelul Bauspar a devenit mai pu\u021bin atractiv<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Reglement\u0103ri europene mai stricte: Cerin\u021bele privind capitalul \u0219i supravegherea pruden\u021bial\u0103 au pus presiune pe b\u0103ncile mici<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ie\u0219irea ac\u021bionarului majoritar (Raiffeisen) din proiect a fost decisiv\u0103 \u00een pierderea stabilit\u0103\u021bii<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Lipsa sus\u021binerii politice pentru continuarea programului<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">\u00cen final, \u00een 2023, banca a fost radiat\u0103 din Registrul institu\u021biilor de credit, iar clien\u021bii \u0219i-au putut retrage economiile f\u0103r\u0103 penalit\u0103\u021bi.<\/span><\/p>\n<h2 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><b>Ce alternative ai acum dac\u0103 vrei s\u0103 economise\u0219ti pentru o locuin\u021b\u0103<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Chiar dac\u0103 Aedificium nu mai exist\u0103, op\u021biuni tot exist\u0103 pentru cei care vor s\u0103 economiseasc\u0103 \u00een siguran\u021b\u0103. Iat\u0103 c\u00e2teva variante:<\/span><\/p>\n<ul>\n<li aria-level=\"1\"><a style=\"color: var(--awb-color5);\" href=\"https:\/\/123credit.ro\/blog\/fondul-de-garantare-a-depozitelor-bancare\/\"><b>Depozite bancare<\/b><\/a> pe termen lung, cu dob\u00e2nzi fixe<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Conturi de economii cu dob\u00e2nzi variabile<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Fonduri de investi\u021bii moderate (pentru cei cu apetit de risc sc\u0103zut)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Pilonul III de pensii (pentru planificare pe termen foarte lung)<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Tot mai multe persoane aleg acum s\u0103 combine economisirea cu educa\u021bia financiar\u0103, pentru a \u00een\u021belege exact ce tip de credit li se potrive\u0219te.<\/span><\/p>\n<h2 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><b>Sfaturi utile dac\u0103 vrei s\u0103 economise\u0219ti pentru o locuin\u021b\u0103<\/b><\/h2>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u00cencepe c\u00e2t mai devreme \u2013 chiar \u0219i sume mici pot face diferen\u021ba \u00een timp<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Alege produse cu dob\u00e2nzi clare \u0219i f\u0103r\u0103 comisioane ascunse<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Evit\u0103 planurile de economisire rigide dac\u0103 veniturile tale sunt instabile<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Combin\u0103 economisirea cu o planificare clar\u0103: c\u00e2t vrei s\u0103 str\u00e2ngi \u0219i \u00een c\u00e2t timp<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Informeaz\u0103-te permanent \u2013 platforme ca 123Credit.ro te pot ghida gratuit<\/span><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Dac\u0103 e\u0219ti \u00een c\u0103utarea unei solu\u021bii moderne pentru planificarea financiar\u0103, <\/span><b><a href=\"123credit.ro\"><span style=\"color: var(--awb-color5);\">123Credit.ro<\/span> <\/a><\/b><span style=\"font-weight: 400;\">\u00ee\u021bi ofer\u0103 acces rapid la ofertele de credit ipotecar, f\u0103r\u0103 birocra\u021bie \u0219i f\u0103r\u0103 drumuri la banc\u0103. Po\u021bi discuta gratuit cu un specialist \u00een creditare \u0219i afla ce op\u021biune \u021bi se potrive\u0219te.<\/span><\/p>\n<h2><b>\u00centreb\u0103ri frecvente <\/b><\/h2>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Aedificium Banca pentru Locuin\u021be mai func\u021bioneaz\u0103 \u00een 2025?<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">Nu, din p\u0103cate, Aedificium \u0219i-a \u00eencetat activitatea. De\u0219i a fost o banc\u0103 specializat\u0103 care a oferit o solu\u021bie interesant\u0103 pentru economisirea \u00een scopuri imobiliare, aceasta a fost radiat\u0103 din registrele oficiale \u00een 2023. \u00centre timp, alte solu\u021bii moderne au ap\u0103rut pe pia\u021b\u0103, iar multe dintre ele pot fi accesate complet online.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Se mai poate ob\u021bine credit prin sistemul Bauspar \u00een Rom\u00e2nia?<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">\u00cen acest moment, sistemul Bauspar nu mai este activ \u00een Rom\u00e2nia prin intermediul unei b\u0103nci dedicate. Totu\u0219i, ideea de a economisi \u00eenainte de a contracta un credit r\u0103m\u00e2ne valabil\u0103 \u0219i benefic\u0103. Exist\u0103 alternative digitale \u0219i flexibile pentru cei care \u00ee\u0219i doresc o abordare responsabil\u0103 \u00een drumul c\u0103tre achizi\u021bia unei locuin\u021be.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Ce s-a \u00eent\u00e2mplat cu banii clien\u021bilor Aedificium dup\u0103 \u00eenchidere?<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">Clien\u021bii care aveau economii la Aedificium au fost informa\u021bi cu privire la \u00eenchiderea b\u0103ncii \u0219i au avut posibilitatea de a-\u0219i retrage banii f\u0103r\u0103 penalit\u0103\u021bi. Procesul a fost supravegheat de autorit\u0103\u021bile competente, tocmai pentru a garanta siguran\u021ba fondurilor economisite.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Exist\u0103 alte variante sigure pentru cei care vor s\u0103 economiseasc\u0103 pentru o locuin\u021b\u0103?<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">Da, cu siguran\u021b\u0103. De la conturi de economii \u0219i depozite bancare p\u00e2n\u0103 la platforme digitale precum 123Credit.ro, care ofer\u0103 acces transparent la informa\u021bii despre credite imobiliare, rom\u00e2nii au la dispozi\u021bie tot mai multe op\u021biuni pentru a se preg\u0103ti financiar pentru o locuin\u021b\u0103.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>De ce a fost \u00eenchis\u0103 Aedificium Banca pentru Locuin\u021be?<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">A fost o combina\u021bie de factori: schimb\u0103ri legislative, probleme legate de acordarea primelor de stat, dar \u0219i un interes tot mai sc\u0103zut din partea publicului. <\/span><\/li>\n<\/ol>\n<\/div><\/div><\/div><\/div><\/div>\n<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-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-1 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 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, \" 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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><\/p>\n","protected":false},"author":10,"featured_media":3807,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[223],"tags":[],"class_list":["post-3805","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credite-ipotecare"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Aedificium Banca pentru Locuin\u021be \u2013 povestea complet\u0103 a unei idei bune care nu a supravie\u021buit - Blogul 123Credit<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/123credit.ro\/blog\/aedificium-banca-pentru-locuinte\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Aedificium Banca pentru Locuin\u021be \u2013 povestea complet\u0103 a unei idei bune care nu a supravie\u021buit - Blogul 123Credit\" \/>\n<meta property=\"og:description\" content=\"Timpul estimat pentru citire:  7 minute\" \/>\n<meta property=\"og:url\" content=\"https:\/\/123credit.ro\/blog\/aedificium-banca-pentru-locuinte\/\" \/>\n<meta property=\"og:site_name\" content=\"Blogul 123Credit\" \/>\n<meta property=\"article:published_time\" content=\"2025-08-27T09:00:41+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-09-01T06:37:03+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2025\/09\/aedificium.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"940\" \/>\n\t<meta property=\"og:image:height\" content=\"788\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Bianca Gheoca\" \/>\n<meta name=\"twitter:card\" 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