{"id":3819,"date":"2025-09-02T10:03:28","date_gmt":"2025-09-02T07:03:28","guid":{"rendered":"https:\/\/123credit.ro\/blog\/credit-constructie-casa\/"},"modified":"2025-09-03T09:16:08","modified_gmt":"2025-09-03T06:16:08","slug":"credit-constructie-casa","status":"publish","type":"post","link":"https:\/\/123credit.ro\/blog\/credit-constructie-casa\/","title":{"rendered":"Credit construc\u021bie cas\u0103: cum te ajut\u0103 s\u0103-\u021bi realizezi visul"},"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><h1>Credit de construc\u021bie pentru cas\u0103: cum te ajut\u0103 s\u0103-\u021bi realizezi visul<\/h1>\n<p>Un alt produs de creditare pe care b\u0103ncile \u00eel au \u00een portofoliu, numit \u0219i cunoscut ca \u0219i \u201ccredit construc\u021bie cas\u0103\u201d a incitat interesul clien\u021bilor de-a lungul timpului. Tu te-ai \u00eentrebat vreodat\u0103 dac\u0103 po\u021bi ob\u021bine un credit de construc\u021bie pentru cas\u0103 pentru a-\u021bi ridica locuin\u021ba mult visat\u0103? Probabil ai auzit deja c\u0103 acest tip de credit este solu\u021bia ideal\u0103 pentru cei care vor s\u0103 construiasc\u0103 de la zero, dar nu dispun de fonduri suficiente sau prefer\u0103 s\u0103 gestioneze personal procesul de edificare.<\/p>\n<p>Ei bine, dac\u0103 vrei s\u0103 \u0219tii cum func\u021bioneaz\u0103, care sunt caracteristicile sale \u0219i ce trebuie s\u0103 faci pentru a-l accesa, ai ajuns \u00een locul potrivit. \u00cen cele ce urmeaz\u0103, vei descoperi tot ce trebuie s\u0103 \u0219tii despre creditul pentru construc\u021bie cas\u0103, de la proceduri \u0219i condi\u021bii, p\u00e2n\u0103 la avantajele \u0219i sfaturile utile, pentru a-\u021bi transforma visul \u00een realitate.<\/p>\n<h2>Ce este, de fapt, creditul pentru construc\u021bie cas\u0103?<\/h2>\n<p>Un astfel de produs numit \u0219i \u201ccredit de construc\u021bie pentru cas\u0103\u201d este un \u00eemprumut acordat de b\u0103nci sau institu\u021bii financiare pentru finan\u021barea integral\u0103 sau par\u021bial\u0103 a procesului de ridicare a unei locuin\u021be noi. La diferen\u021b\u0103 de un credit ipotecar, care se acord\u0103 pentru cump\u0103rarea unei case deja existente, acest tip de credit vizeaz\u0103 finan\u021barea lucr\u0103rilor de construc\u021bie de la zero.<\/p>\n<p>De obicei, acest credit acoper\u0103 costurile pentru achizi\u021bia terenului, plata materialelor, manoperelor, autoriza\u021biilor \u0219i alte cheltuieli legate de edificare. \u00cen func\u021bie de condi\u021biile b\u0103ncii \u0219i de proiectul t\u0103u, po\u021bi primi sume importante, cu perioade de rambursare flexibile, pentru a-\u021bi duce planul la bun sf\u00e2r\u0219it.<\/p>\n<h2>Caracteristici principale ale acestui credit<\/h2>\n<ol>\n<li>\n        <strong>Destina\u021bie clar\u0103 \u0219i precis\u0103<\/strong><\/p>\n<p>Acest credit este destinat exclusiv construc\u021biei sau renov\u0103rii locuin\u021bei, fiind utilizat pentru materiale, manoper\u0103, autoriz\u0103ri, \u0219i alte cheltuieli legate de proiect.<\/p>\n<\/li>\n<li>\n        <strong>Perioad\u0103 de acordare \u0219i rambursare<\/strong><\/p>\n<p>De obicei, perioada de creditare variaz\u0103 \u00eentre 12 \u0219i 120 de luni, \u00een func\u021bie de suma solicitat\u0103 \u0219i de politica bancar\u0103. Rambursarea se face \u00een rate lunare, fixe sau variabile, \u00een func\u021bie de preferin\u021bele tale.<\/p>\n<\/li>\n<li>\n        <strong>Valoarea creditului<\/strong><\/p>\n<p>Poate ajunge p\u00e2n\u0103 la 80-100% din valoarea proiectului, \u00een func\u021bie de avans \u0219i de garan\u021bii. \u00cen unele cazuri, po\u021bi primi un avans de 20-30% din costurile totale, iar restul se deconteaz\u0103 etapizat, pe m\u0103sur\u0103 ce proiectul avanseaz\u0103.<\/p>\n<\/li>\n<li>\n        <strong>Garan\u021bii \u0219i garan\u021bii<\/strong><\/p>\n<p>De cele mai multe ori, pentru creditul construc\u021bie cas\u0103, banca va solicita garan\u021bii reale, precum ipotec\u0103 pe terenul sau construc\u021bia finalizat\u0103, \u0219i uneori garan\u021bii personale.<\/p>\n<\/li>\n<li>\n        <strong>Etape de decontare<\/strong><\/p>\n<p>Banca va elibera fondurile etapizat, pe baza unor documente justificative \u0219i a avansurilor pl\u0103tite pentru fiecare faz\u0103 a construc\u021biei. Astfel, pl\u0103\u021bile se fac \u00een func\u021bie de progresul lucr\u0103rilor \u0219i de verific\u0103rile efectuate.<\/p>\n<\/li>\n<li>\n        <strong>Costuri \u0219i dob\u00e2nzi<\/strong><\/p>\n<p>Dob\u00e2nda poate fi fix\u0103 sau variabil\u0103, iar costurile totale depind de perioada de creditare, suma solicitat\u0103 \u0219i condi\u021biile specifice ale b\u0103ncii. \u00cen plus, pot fi percepute comisioane de administrare, evaluare \u0219i garantare.<\/p>\n<\/li>\n<\/ol>\n<h2>Cum func\u021bioneaz\u0103 creditul de construc\u021bie pentru cas\u0103?<\/h2>\n<p>Procesul de ob\u021binere a unui credit de construc\u021bie pentru cas\u0103 \u00eencepe cu depunerea unei cereri la banca aleas\u0103. Apoi, vei fi solicitat s\u0103 prezin\u021bi planul de construc\u021bie, documente de proprietate, acte de identitate, dovada venitului \u0219i alte documente relevante.<\/p>\n<ul>\n<li>Dup\u0103 analiza \u0219i aprobare, banca va elibera fondurile etapizat, \u00een func\u021bie de avans \u0219i de avizele tehnice \u0219i de progresul lucr\u0103rilor. Pentru fiecare faz\u0103 (turnare funda\u021bie, zid\u0103rie, acoperi\u0219, finisaje), vei trebui s\u0103 prezin\u021bi documente justificative, precum facturi, rapoarte de inspec\u021bie \u0219i poze.<\/li>\n<li>Pe parcursul proiectului, banca va verifica periodic progresul \u0219i respectarea condi\u021biilor. La finalizarea construc\u021biei \u0219i dup\u0103 ob\u021binerea autoriza\u021biilor, vei putea solicita finalizarea \u0219i plata ultimei tran\u0219e.<\/li>\n<li>\u00cen cazul \u00een care de\u021bii un teren pe care vrei s\u0103 ridici o locuin\u021b\u0103, vei avea nevoie de un credit ipotecar pentru construc\u021bie imobil.<\/li>\n<li>Procedura de ob\u021binere este ceva mai complex\u0103 dec\u00e2t \u00een cazul unui credit clasic, deoarece garan\u021bia principal\u0103 \u2013 viitorul imobil \u2013 nu exist\u0103 \u00eenc\u0103. B\u0103ncile au implementat, \u00eens\u0103, o metod\u0103 de lucru astfel \u00eenc\u00e2t s\u0103 minimizeze riscurile \u0219i s\u0103 evite situa\u021biile \u00een care s-a aprobat un credit, dar construc\u021bia nu a fost finalizat\u0103.<\/li>\n<\/ul>\n<h3>Cum func\u021bioneaz\u0103 evaluarea \u0219i aprobarea creditului<\/h3>\n<p>Primul pas \u00een procesul de ob\u021binere a unui astfel de credit este depunerea dosarului de solicitare la banc\u0103. Acesta va fi mai complex, deoarece trebuie s\u0103 con\u021bin\u0103 \u0219i documente precum autoriza\u021biile de construc\u021bie, avizele necesare \u0219i planul de lucru.<\/p>\n<p>\u00cen func\u021bie de politica fiec\u0103rei b\u0103nci, po\u021bi avea nevoie s\u0103 \u00eenchei un contract cu o firm\u0103 de construc\u021bie sau, dac\u0103 preferi, po\u021bi realiza construc\u021bia \u00een regie proprie, dar trebuie s\u0103 fii preg\u0103tit pentru un proces mai riguros de verificare.<\/p>\n<p>Dup\u0103 depunerea dosarului, banca va evalua proiectul de investi\u021bie. Aceast\u0103 evaluare se face cu o anumit\u0103 pruden\u021b\u0103, ceea ce \u00eenseamn\u0103 c\u0103 valoarea proiectului poate fi subevaluat\u0103 fa\u021b\u0103 de costul real, dar nu obligatoriu.<\/p>\n<ul>\n<li>De exemplu, dac\u0103 investi\u021bia ta este estimat\u0103 la 130.000 euro \u0219i este o suma apropiata de realitate, banca ar putea evalua proiectul la 130.000 euro &#8211; suma estimata, iar banca va finanan\u021ba maxim 80% din aceasta valoare (130.000 x 80%), adica 104.000 euro. \u00cen acest caz, valoarea maxim\u0103 a finan\u021b\u0103rii nu va dep\u0103\u0219i aceast\u0103 sum\u0103, iar tu va trebui s\u0103 acoperi diferen\u021ba de 26.000 euro (130.000-104.000 = 26.000) din surse proprii sau alte resurse.<\/li>\n<li>Altfel, dac\u0103 valoarea proiectului estimat de tine este de 130.000 euro \u0219i banca evalueaz\u0103 construc\u021bia la 110.500 euro, de exemplu, suma pe care o vei putea ob\u021bine va fi de maximum 88.400 euro (110.500 x 80%). \u00cen urma acestei evalu\u0103ri, va fi nevoie s\u0103 aduci din propriile resurse aproximativ 41.600 euro, adic\u0103 diferen\u021ba dintre cost \u0219i suma finan\u021bat\u0103 (130.000-88.400).<\/li>\n<\/ul>\n<p>Deci o evaluare cat mai corecta si anticipare costului au un rol foarte important, aceste criterii tin de zona unde este terenul, dar \u0219i dimensiune proiectului \u0219i costurilor predictionate.<\/p>\n<p>Dup\u0103 ce banca aprob\u0103 cererea, va fi necesar s\u0103 depui dovada avansului, adic\u0103 suma pe care o vei pl\u0103ti din propriile resurse. Aceasta va fi constituit\u0103 ca garan\u021bie pentru banc\u0103, iar terenul \u0219i viitoarea construc\u021bie vor fi ipotecate.<\/p>\n<h3>Acordarea \u0219i eliberarea fondurilor<\/h3>\n<p>Creditul pentru construc\u021bie imobil se va acorda \u00een tran\u0219e, \u00een func\u021bie de progresul lucr\u0103rilor. \u00cenainte de a elibera urm\u0103toarea tran\u0219\u0103, banca va trimite un evaluator sau un expert tehnic pentru a verifica dac\u0103 stadiul construc\u021biei corespunde cu sumele cheltuite \u0219i cu planul aprobat.<\/p>\n<p>Fiecare tran\u0219\u0103 trebuie s\u0103 fie justificat\u0103 prin documente: facturi, rapoarte de inspec\u021bie, poze, autoriza\u021bii de utilizare a fiec\u0103rei etape. Astfel, banca \u00ee\u0219i limiteaz\u0103 riscul de a finan\u021ba o construc\u021bie neterminat\u0103 sau fictiv\u0103.<\/p>\n<p>Construc\u021bia se va realiza \u00een etape, cu pauze \u00eentre faze, p\u00e2n\u0103 la finalizare. \u00cen general, perioada de tragere a creditului se \u00eentinde pe circa un an, timp \u00een care nu trebuie s\u0103 te \u00eengrijorezi prea mult de plata ratelor, pentru c\u0103 dob\u00e2nda se va calcula \u0219i capitaliza la soldul creditului, \u00een func\u021bie de tran\u0219ele eliberate.<\/p>\n<h3>Finalizarea \u0219i rambursarea<\/h3>\n<p>La finalizarea construc\u021biei, banca va \u00eenscrie ipoteca asupra imobilului \u00een cartea funciar\u0103 \u0219i va \u00eencepe rambursarea creditului, conform condi\u021biilor stabilite \u00een contract.<\/p>\n<p>\u00cen cazul \u00een care proiectul avanseaz\u0103 conform planului, vei pl\u0103ti ratele \u00een timp \u0219i vei avea propria ta locuin\u021b\u0103 sau spa\u021biu de business, construit dup\u0103 propriile dorin\u021be.<\/p>\n<h2>Avantajele \u0219i dezavantajele creditului de construc\u021bie pentru cas\u0103<\/h2>\n<p><strong>Avantaje:<\/strong><\/p>\n<ul>\n<li>Permite finan\u021barea integral\u0103 a proiectului, inclusiv a terenului, dac\u0103 este cazul.<\/li>\n<li>Pl\u0103\u021bi etapizate, \u00een func\u021bie de progresul lucr\u0103rilor, ceea ce ajut\u0103 la gestionarea mai eficient\u0103 a fluxului de numerar.<\/li>\n<li>Perioad\u0103 flexibil\u0103 de rambursare, adaptat\u0103 nevoilor tale.<\/li>\n<li>Posibilitatea de a personaliza condi\u021biile de creditare, \u00een func\u021bie de situa\u021bie.<\/li>\n<li>Crearea unui istoric de credit solid, care te poate ajuta \u00een viitor.<\/li>\n<\/ul>\n<p><strong>Dezavantaje:<\/strong><\/p>\n<ul>\n<li>Costuri totale mai mari din cauza dob\u00e2nzilor \u0219i comisioanelor pe termen lung.<\/li>\n<li>Necesitatea garant\u0103rii cu proprietatea construit\u0103 sau terenul.<\/li>\n<li>Proces birocratic, cu verific\u0103ri am\u0103nun\u021bite \u0219i depunere de documente.<\/li>\n<li>Riscul de a r\u0103m\u00e2ne cu o construc\u021bie nefinalizat\u0103 dac\u0103 nu po\u021bi pl\u0103ti ratele.<\/li>\n<li>Eventuale penalit\u0103\u021bi \u00een caz de pl\u0103\u021bi \u00eent\u00e2rziate sau neconformit\u0103\u021bi.<\/li>\n<\/ul>\n<h2>Cum s\u0103 alegi cel mai bun credit de construc\u021bie pentru cas\u0103<\/h2>\n<p>Pentru a nu te trezi cu surprize nepl\u0103cute, trebuie s\u0103 compari ofertele de la diferite b\u0103nci, s\u0103 verifici dob\u00e2nzile, comisioanele, perioada de creditare \u0219i condi\u021biile de garan\u021bie. Este recomandat s\u0103 analizezi \u0219i posibilitatea de a avea rate fixe sau variabile, \u00een func\u021bie de riscul pe care e\u0219ti dispus s\u0103 \u0219i-l asumi.<\/p>\n<p>De asemenea, consultan\u021ba specializat\u0103 sau un broker de credite te poate ajuta s\u0103 g\u0103se\u0219ti solu\u021bia cea mai avantajoas\u0103 pentru situa\u021bia ta particular\u0103. \u00ce\u021bi trebuie un plan clar, documente preg\u0103tite \u0219i r\u0103bdare, pentru c\u0103 procesul de finan\u021bare a unei construc\u021bii dureaz\u0103 c\u00e2teva luni, dar rezultatul merit\u0103 tot efortul.<\/p>\n<h2>Concluzie<\/h2>\n<p>De la vis la realitate cu creditul pentru construc\u021bie cas\u0103. Construirea casei tale reprezint\u0103 un pas major, iar un credit de construc\u021bie pentru cas\u0103 poate fi partenerul t\u0103u de \u00eencredere \u00een aceast\u0103 aventur\u0103. Cu o planificare corect\u0103, documente preg\u0103tite \u0219i o alegere \u00een\u021beleapt\u0103 a creditorului, po\u021bi s\u0103-\u021bi duci visul la bun sf\u00e2r\u0219it, f\u0103r\u0103 stres \u0219i cu siguran\u021ba c\u0103 ai f\u0103cut cea mai bun\u0103 alegere pentru tine \u0219i familia ta.<\/p>\n<h2>\u00centreb\u0103ri frecvente<\/h2>\n<h3>Ce este, de fapt, un credit construc\u021bie cas\u0103?<\/h3>\n<p>Este un \u00eemprumut destinat finan\u021b\u0103rii complete sau par\u021biale a construirii unei case, cu rambursare etapizat\u0103, pe o perioad\u0103 flexibil\u0103 \u0219i condi\u021bii adaptate proiectului.<\/p>\n<h3>Care sunt principalele condi\u021bii pentru a ob\u021bine un credit construc\u021bie cas\u0103?<\/h3>\n<p>Vechime \u00een munc\u0103, venit stabil, documente de proprietate sau plan de construc\u021bie, avize \u0219i autoriza\u021bii, \u0219i garan\u021bii reale sau personale.<\/p>\n<h3>Pot primi credit \u0219i dac\u0103 nu am terenul deja cump\u0103rat?<\/h3>\n<p>Da, po\u021bi solicita credit pentru achizi\u021bia terenului \u0219i construc\u021bie, dar condi\u021biile \u0219i suma aprobat\u0103 depind de documenta\u021bia \u0219i evaluarea bancar\u0103.<\/p>\n<h3>Ce se \u00eent\u00e2mpl\u0103 dac\u0103 nu finalizez construc\u021bia?<\/h3>\n<p>\u00cen cazul nefinaliz\u0103rii, banca poate solicita execu\u021bia silit\u0103 asupra garan\u021biei, iar tu r\u0103m\u00e2i cu datoria neachitat\u0103.<\/p>\n<h3>Care sunt avantajele unui credit construc\u021bie cas\u0103 fa\u021b\u0103 de alte tipuri de credite?<\/h3>\n<p>Pl\u0103\u021bi etapizate, condi\u021bii flexibile, posibilitatea de a finan\u021ba \u00eentreaga lucrare \u0219i de a crea o locuin\u021b\u0103 personalizat\u0103.<\/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 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 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(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\" 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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\"> 9<\/span> <span class=\"rt-label rt-postfix\">minute<\/span><\/span>Credit de construc\u021bie pentru cas\u0103: cum te ajut\u0103 s\u0103-\u021bi realizezi visul Un alt produs de creditare pe care b\u0103ncile \u00eel au \u00een portofoliu, numit \u0219i cunoscut ca \u0219i \u201ccredit construc\u021bie cas\u0103\u201d a incitat interesul clien\u021bilor de-a lungul timpului. Tu te-ai \u00eentrebat vreodat\u0103 dac\u0103 po\u021bi ob\u021bine un credit de construc\u021bie pentru cas\u0103 pentru a-\u021bi ridica locuin\u021ba mult visat\u0103? Probabil ai auzit  [&#8230;]<\/p>\n","protected":false},"author":15,"featured_media":3822,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[223],"tags":[],"class_list":["post-3819","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>Credit construc\u021bie cas\u0103: cum te ajut\u0103 s\u0103-\u021bi realizezi visul - Blogul 123Credit<\/title>\n<meta name=\"description\" content=\"Credit construc\u021bie cas\u0103 - Descoper\u0103 ce trebuie s\u0103 \u0219tii despre: caracteristici, condi\u021bii, modalit\u0103\u021bi de ob\u021binere \u0219i avantajele construirii unei case prin credit!\" \/>\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\/credit-constructie-casa\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Credit construc\u021bie cas\u0103: cum te ajut\u0103 s\u0103-\u021bi realizezi visul - 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