{"id":382,"date":"2022-08-31T21:25:47","date_gmt":"2022-08-31T18:25:47","guid":{"rendered":"https:\/\/123credit.ro\/blog\/?p=382"},"modified":"2026-09-08T11:40:58","modified_gmt":"2026-09-08T08:40:58","slug":"vrei-sa-fii-codebitorul-meu-la-credit","status":"publish","type":"post","link":"https:\/\/123credit.ro\/blog\/vrei-sa-fii-codebitorul-meu-la-credit\/","title":{"rendered":"Vrei sa fii codebitorul meu?"},"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_2_5 2_5 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:40%;--awb-margin-top-large:0px;--awb-spacing-right-large:4.8%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:4.8%;--awb-width-medium:40%;--awb-order-medium:0;--awb-spacing-right-medium:4.8%;--awb-spacing-left-medium:4.8%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-image-element\" style=\"--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><span class=\" fusion-imageframe imageframe-none imageframe-1 hover-type-none\"><img decoding=\"async\" width=\"940\" height=\"788\" title=\"Propuneri vizualuri Blog (7)\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2022\/08\/Propuneri-vizualuri-Blog-7.png\" alt class=\"img-responsive wp-image-646\" srcset=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2022\/08\/Propuneri-vizualuri-Blog-7-200x168.png 200w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2022\/08\/Propuneri-vizualuri-Blog-7-400x335.png 400w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2022\/08\/Propuneri-vizualuri-Blog-7-600x503.png 600w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2022\/08\/Propuneri-vizualuri-Blog-7-800x671.png 800w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2022\/08\/Propuneri-vizualuri-Blog-7.png 940w\" sizes=\"(max-width: 640px) 100vw, 600px\" \/><\/span><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-1 fusion_builder_column_3_5 3_5 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:60%;--awb-margin-top-large:0px;--awb-spacing-right-large:3.2%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:3.2%;--awb-width-medium:60%;--awb-order-medium:0;--awb-spacing-right-medium:3.2%;--awb-spacing-left-medium:3.2%;--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-text fusion-text-1\"><p dir=\"ltr\">Codebitorul este persoana care particip\u0103 cu venitul s\u0103u la creditul altcuiva \u0219i \u00ee\u0219i asum\u0103, prin acela\u0219i contract, obliga\u021bia de a pl\u0103ti ratele dac\u0103 titularul nu o mai face. B\u0103ncile cer un codebitor atunci c\u00e2nd venitul solicitantului nu acoper\u0103 suma dorit\u0103 \u0219i accept\u0103 \u00een acest rol, de regul\u0103, rude p\u00e2n\u0103 la gradul 2 sau partenerul de via\u021b\u0103.<\/p>\n<p dir=\"ltr\">\u00cenainte s\u0103 accep\u021bi rolul de codebitor, trebuie s\u0103 \u0219tii trei lucruri: ce condi\u021bii de eligibilitate \u021bi se aplic\u0103, ce drepturi \u0219i obliga\u021bii \u00ee\u021bi asumi \u0219i prin ce difer\u0103 codebitorul de girant sau garant. Le lu\u0103m pe r\u00e2nd mai jos.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-2 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-2\"><p><b style=\"color: var(--awb-color4); font-size: 20px;\" data-fusion-font=\"true\">Ce presupune s\u0103 fii codebitor? <\/b><strong><br \/>\n<\/strong><\/p>\n<p>Codebitor sau copl\u0103titor e\u0219ti atunci c\u00e2nd \u00eel aju\u021bi pe cel care solicit\u0103 un credit, prin participarea cu venitul t\u0103u net la calculul creditului. Valoarea \u00eemprumutat\u0103 este calculat\u0103 \u021bin\u00e2nd cont de ambele venituri, at\u00e2t pe ale tale, codebitorul, c\u00e2t \u0219i pe cele ale celui care solicit\u0103 creditul.<\/p>\n<p><span style=\"background-color: rgba(255, 255, 255, 0); color: var(--body_typography-color); font-family: var(--body_typography-font-family); font-size: var(--body_typography-font-size); font-style: var(--body_typography-font-style,normal); font-weight: var(--body_typography-font-weight); letter-spacing: var(--body_typography-letter-spacing);\">Odat\u0103 ce porne\u0219ti la drum \u0219i devii codebitor trebuie s\u0103 \u00eendepline\u0219ti acelea\u0219i <a href=\"https:\/\/123credit.ro\/blog\/cat-te-costa-chiria-inlocuieste-chiria-cu-rata-lunara-si-devino-proprietar\/\" target=\"_blank\" rel=\"noopener noreferrer\">condi\u021bii de eligibilitate<\/a> pe care banca le impune \u0219i solicitantului creditului, printre care se num\u0103r\u0103 \u0219i cele men\u021bionate pe platforma 123credit.ro:<\/span><\/p>\n<ul>\n<li>Ai \u00eentre 20 \u0219i 60 de ani<\/li>\n<li>Venitul t\u0103u lunar net raportat la ANAF este de cel pu\u021bin 2,500 de lei<\/li>\n<li>Contractul de munca este pe perioada nedeterminat\u0103<\/li>\n<li>Ai minim 12 luni vechime total\u0103 \u00een munc\u0103<\/li>\n<li>Nu ai \u00eentreruperi \u00een munc\u0103 mai mari de 30 de zile pe parcursul ultimelor 12 luni<\/li>\n<li>Ai minim 3 salarii \u00eencasate \u0219i raportate la ANAF la ultimul angajator<\/li>\n<li>Nu ai istoric negativ de creditare<\/li>\n<\/ul>\n<p><b>Spre exemplu<\/b>, dac\u0103 ai 65 de ani, ai ie\u0219it deja la pensie, dar vrei s\u0103 fii codebitor al\u0103turi de fiul t\u0103u care se preg\u0103te\u0219te s\u0103 aplice pentru un credit ipotecar, trebuie s\u0103 \u0219tii c\u0103 fiind pensionar, perioada maxim\u0103 de creditare este de p\u00e2n\u0103 la 70 de ani ai t\u0103i. Astfel, dac\u0103 fiul t\u0103u vrea un credit pe 30 de ani, banca i-l va acorda doar pe 5 ani, \u021bin\u00e2nd cont de v\u00e2rsta cea mai \u00eenaintat\u0103, adic\u0103 a ta.<\/p>\n<p><b style=\"color: #141617; font-size: 19px;\" data-fusion-font=\"true\">Ce drepturi ai \u00een calitate de codebitor?<\/b><\/p>\n<p>Ai exact acelea\u0219i drepturi precum cel care solicit\u0103 creditul. Dac\u0103 vrei s\u0103 vezi \u0219i prevederile legale \u00een acest sens, le g\u0103se\u0219ti \u00een Ordonan\u021bele de urgen\u021b\u0103 nr. 34\/2014, nr. 52\/2016 \u0219i nr. 50\/2010 privind contractele de credit pentru consumatori. De re\u021binut c\u0103 pentru creditele de consum semnate dup\u0103 20 noiembrie 2026, OUG 50\/2010 urmeaz\u0103 s\u0103 fie \u00eenlocuit\u0103 de noile reguli europene privind creditele de consum, aflate \u00een curs de transpunere; creditele ipotecare r\u0103m\u00e2n pe OUG 52\/2016.<\/p>\n<p>Mai \u00eent\u00e2i de toate ai dreptul s\u0103 prime\u0219ti toate informa\u021biile necesare despre creditul pentru care te angajezi \u00een calitate de codebitor, plec\u00e2nd de la durata creditului, tipul de credit, dob\u00e2nzi, rate, suma fiec\u0103rei rate, frecven\u0163a pl\u0103\u0163ilor sau alte costuri.<\/p>\n<p>Informa\u021bii po\u021bi reg\u0103si \u0219i \u00een Fi\u0219a European\u0103 de Informa\u021bii Standardizate (<a href=\"https:\/\/lege5.ro\/Gratuit\/gezdqnjwg42q\/fisa-europeana-de-informatii-standardizate-feis-ordonanta-de-urgenta-52-2016?dp=geydimrygqzdkna\">FEIS<\/a>), pe care orice creditor are obliga\u021bia s\u0103 \u021bi-o ofere, \u00eenainte de a semna contractul.<\/p>\n<p>De asemenea, at\u00e2t b\u0103ncile sau brokerul de credite, c\u00e2t \u0219i brokerul t\u0103u online de credite, 123credit.ro, au obliga\u021bia de a p\u0103stra confiden\u0163ialitatea asupra datelor tale personale, informa\u0163iilor referitoare la conturile sau la contractele semnate de tine, aflate la dispozi\u0163ia b\u0103ncii.<\/p>\n<p>Ai \u0219i timp de g\u00e2ndire, dar aten\u021bie la tipul creditului: la creditele ipotecare sau imobiliare nu te po\u021bi retrage dup\u0103 semnare. \u00cen schimb, legea \u00ee\u021bi d\u0103 o perioad\u0103 de reflec\u021bie de 15 zile calendaristice \u00een care analizezi oferta ferm\u0103 (FEIS) \u00eenainte s\u0103 semnezi, deci folose\u0219te-o din plin. Doar la creditele de consum (nevoi personale, carduri) ai dreptul s\u0103 te retragi din contract \u00een termen de 14 zile de la semnare, f\u0103r\u0103 s\u0103 dai explica\u021bii.<\/p>\n<p><b style=\"color: #141617; font-size: 19px;\" data-fusion-font=\"true\">Ce obliga\u021bii ai \u00een calitate de codebitor?<\/b><\/p>\n<p>\u00cen primul r\u00e2nd, va trebui s\u0103 semnezi al\u0103turi de solicitantul creditului un contract de credit, prin care, te obligi s\u0103 pl\u0103te\u0219ti tu ratele \u00een cazul \u00een care solicitantul creditului nu mai face plata lunar\u0103.<\/p>\n<p>Mai trebuie s\u0103 \u0219tii \u0219i c\u0103, \u00een prezent, gradul de \u00eendatorare standard \u00een Rom\u00e2nia este de 40%, dar poate fi \u0219i 45% \u00een cazul unui credit ipotecar pentru achizi\u021bia unei locuin\u021be, cu condi\u021bia s\u0103 fie primul imobil de\u021binut, sau 60% \u00een cazul anumitor credite cu destina\u021bie de refinan\u021bare.<\/p>\n<p>Practic, po\u021bi s\u0103 te \u00eendatorezi \u00een calitate de codebitor p\u00e2n\u0103 la 40% din totalul veniturilor tale.<\/p>\n<p>Regulile de \u00eendatorare ar putea deveni mai flexibile: BNR a pus \u00een consultare, \u00een August 2026, un proiect care permite b\u0103ncilor s\u0103 dep\u0103\u0219easc\u0103 gradul maxim de \u00eendatorare pentru cel mult 15% din creditele acordate trimestrial, la \u00eemprumuturi sub echivalentul a 250.000 de euro \u0219i doar pentru clien\u021bi cu venituri de cel pu\u021bin media pe economie. P\u00e2n\u0103 la adoptare, limitele de mai sus r\u0103m\u00e2n valabile.<\/p>\n<p><b>Spre exemplu<\/b>, s\u0103 presupunem c\u0103 ai un venit net de 3,000 RON \u0219i te angajezi ca \u0219i codebitor \u00eempreun\u0103 cu iubitul t\u0103u care are un venit de 3,500 RON. Banca va face o analiz\u0103 a ambelor persoane care particip\u0103 la credit \u0219i va lua \u00een calcul un venit total de 6,500 RON. Aplic\u00e2nd un grad de \u00eendatorare de 40% va \u00eensemna c\u0103 rata lunara a creditului nu poate sa dep\u0103\u0219easc\u0103 2,600 RON, banca considerand ca voi veti participa amandoi la plata ratei lunare.<\/p>\n<\/div><div class=\"fusion-text fusion-text-3\"><h2><b style=\"font-size: 20px; color: var(--awb-color4);\" data-fusion-font=\"true\">Care e diferen\u021ba dintre garant \u0219i codebitor?<\/b><\/h2>\n<p>\u00cen principiu, at\u00e2t garantul c\u00e2t \u0219i codebitorul sunt acele persoane care ajut\u0103 solicitantul la credit s\u0103 ob\u021bin\u0103 creditul dorit. B\u0103ncile accept\u0103 ca garant sau codebitor o rud\u0103 sau afin de p\u00e2n\u0103 la gradul 2 (so\u021bul\/so\u021bia, p\u0103rin\u021bii, socrii, bunicii, copii) sau, \u00een anumite excep\u021bii, partenerul de via\u021b\u0103 chiar dac\u0103 nu ave\u021bi o rela\u021bie oficializat\u0103.<\/p>\n<\/div><div class=\"fusion-text fusion-text-4\"><p><span style=\"font-size: 16px;\" data-fusion-font=\"true\"><b>Garantul <\/b><\/span><span style=\"font-weight: normal; font-size: 16px;\" data-fusion-font=\"true\">este acea persoana care garanteaz\u0103, cu veniturile \u0219i bunurile sale prezente \u0219i viitoare, un credit solicitat de c\u0103tre o alt\u0103 persoan\u0103 \u0219i se angajeaz\u0103 s\u0103 achite datoriile scadente \u00een cazul \u00een care aceasta ar fi incapabil\u0103 s\u0103 le pl\u0103teasc\u0103. <\/span><\/p>\n<p><span style=\"font-size: 16px;\" data-fusion-font=\"true\"><b>Codebitorul <\/b><\/span><span style=\"font-weight: normal; font-size: 16px;\" data-fusion-font=\"true\">este persoana care particip\u0103 direct la credit, iar veniturile sale nete sunt luate \u00een considerare la calculul gradului de \u00eendatorare, al\u0103turi de cele ale solicitantului de credit.<\/span><\/p>\n<p>Par s\u0103 fie cam la fel, nu? Diferen\u021ba const\u0103 \u00een:<\/p>\n<p><b>1) participarea cu veniturile <\/b>sau neparticiparea cu veniturile<\/p>\n<p>S<span style=\"background-color: rgba(255, 255, 255, 0); color: var(--body_typography-color); font-family: var(--body_typography-font-family); font-size: var(--body_typography-font-size); font-style: var(--body_typography-font-style,normal); font-weight: var(--body_typography-font-weight); letter-spacing: var(--body_typography-letter-spacing);\">pre deosebire de garant, <\/span><span style=\"background-color: rgba(255, 255, 255, 0); color: var(--body_typography-color); font-family: var(--body_typography-font-family); font-size: var(--body_typography-font-size); font-style: var(--body_typography-font-style,normal); letter-spacing: var(--body_typography-letter-spacing);\"><b>codebitorul particip\u0103 cu veniturile sale<\/b><\/span><span style=\"background-color: rgba(255, 255, 255, 0); color: var(--body_typography-color); font-family: var(--body_typography-font-family); font-size: var(--body_typography-font-size); font-style: var(--body_typography-font-style,normal); font-weight: var(--body_typography-font-weight); letter-spacing: var(--body_typography-letter-spacing);\">, banca face o analiz\u0103 complet\u0103 a ambelor persoane, iar bazat pe venitul lor cumulat se va determina suma maxim\u0103 pe care solicitantul o poate \u00eemprumuta. \u00cen schimb, \u00een cazul garantului, banca nu va verifica veniturile \u0219i nici nu le va lua \u00een calcul la determinarea sumei maxime pe care solicitantul o poate \u00eemprumuta, banca va lua \u00een calcul doar veniturile solicitantului de credit iar garantul va fi considerat &#8222;o plas\u0103 de siguran\u021b\u0103&#8221; \u00een cazul imposibilit\u0103\u021b<\/span><span style=\"background-color: rgba(255, 255, 255, 0); color: var(--body_typography-color); font-family: var(--body_typography-font-family); font-size: var(--body_typography-font-size); font-style: var(--body_typography-font-style,normal); font-weight: var(--body_typography-font-weight); letter-spacing: var(--body_typography-letter-spacing);\">ii de plat\u0103.<\/span><\/p>\n<p><span style=\"background-color: rgba(255, 255, 255, 0); color: var(--body_typography-color); font-family: var(--body_typography-font-family); font-size: var(--body_typography-font-size); font-style: var(--body_typography-font-style,normal); letter-spacing: var(--body_typography-letter-spacing);\"><b>2) impactul asupra viitoarelor \u00eemprumuturi<\/b><\/span><\/p>\n<p>\u00cen cazul \u00een care vei vrea s\u0103 aplici \u00een viitor la un credit, dar e\u0219ti codebitor pentru creditul altcuiva, banca va lua \u00een considerare \u0219i valoarea ratei lunare a creditului la care e\u0219ti codebitor sau garant <i>(din cauz\u0103 c\u0103 ai participat cu veniturile la creditul anterior) <\/i>ceea ce va influen\u021ba gradul maxim de \u00eendatorare \u00een calculul sumei pe care o po\u021bi \u00eemprumuta. Spre deosebire de codebitor, ca garant nu va exista acest impact \u00een cazul \u00een care vei vrea s\u0103 accesezi un credit \u00een viitor.<\/p>\n<p><b style=\"color: #141617; font-size: 19px;\" data-fusion-font=\"true\">\u00centreb\u0103ri frecvente<\/b><\/p>\n<h3 dir=\"ltr\"><strong>Este codebitorul \u0219i coproprietar al imobilului?<\/strong><\/h3>\n<p dir=\"ltr\">Nu automat. Calitatea de codebitor \u00eenseamn\u0103 obliga\u021bia de plat\u0103, nu drept de proprietate. Proprietar devine doar cine figureaz\u0103 \u00een actul de v\u00e2nzare-cump\u0103rare. Po\u021bi fi codebitor f\u0103r\u0103 nicio cot\u0103 din imobil, dup\u0103 cum po\u021bi fi trecut \u0219i \u00een act, dac\u0103 a\u0219a conveni\u021bi.<\/p>\n<h3 dir=\"ltr\"><strong>Ce \u00eenseamn\u0103 s\u0103 fii copl\u0103titor pentru un credit de nevoi personale?<\/strong><\/h3>\n<p dir=\"ltr\">Acela\u0219i lucru ca la ipotecar: participi cu venitul t\u0103u la calculul sumei \u0219i r\u0103spunzi pentru rate al\u0103turi de titular. La creditele de nevoi personale, b\u0103ncile accept\u0103 copl\u0103titor de regul\u0103 doar so\u021bul sau so\u021bia.<\/p>\n<h3 dir=\"ltr\"><strong>Care este diferen\u021ba dintre un copl\u0103titor \u0219i un girant?<\/strong><\/h3>\n<p dir=\"ltr\">Copl\u0103titorul (codebitorul) particip\u0103 cu venitul s\u0103u la dosar \u0219i \u00eei cre\u0219te titularului suma maxim\u0103 de \u00eemprumut. Girantul nu particip\u0103 cu venitul, este doar plasa de siguran\u021b\u0103 a b\u0103ncii, activat\u0103 dac\u0103 titularul nu mai pl\u0103te\u0219te.<\/p>\n<h3 dir=\"ltr\"><strong>Ce \u00eenseamn\u0103 garant ipotecar?<\/strong><\/h3>\n<p dir=\"ltr\">Este persoana care garanteaz\u0103 creditul altcuiva cu un imobil aflat \u00een proprietatea sa. Dac\u0103 titularul nu pl\u0103te\u0219te, banca poate executa imobilul adus \u00een garan\u021bie, de aceea rolul se accept\u0103 doar cu \u00eencredere deplin\u0103 \u00een cel care ia creditul.<\/p>\n<\/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":8,"featured_media":646,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[262],"tags":[],"class_list":["post-382","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-diverse"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Codebitor la credit. - Ce presupune?<\/title>\n<meta name=\"description\" content=\"Codebitor la credit? Spre deosebire de garant, veniturile codebitorului se vor lua in calcul la determinarea gradului maxim de indatorare.\" \/>\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\/vrei-sa-fii-codebitorul-meu-la-credit\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Codebitor la credit. - Ce presupune?\" \/>\n<meta property=\"og:description\" content=\"Codebitor la credit? Spre deosebire de garant, veniturile codebitorului se vor lua in calcul la determinarea gradului maxim de indatorare.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/123credit.ro\/blog\/vrei-sa-fii-codebitorul-meu-la-credit\/\" \/>\n<meta property=\"og:site_name\" content=\"Blogul 123Credit\" \/>\n<meta property=\"article:published_time\" content=\"2022-08-31T18:25:47+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-09-08T08:40:58+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2022\/08\/Propuneri-vizualuri-Blog-7.png\" \/>\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\/png\" \/>\n<meta name=\"author\" content=\"Sebastian Piu\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Scris de\" \/>\n\t<meta name=\"twitter:data1\" content=\"Sebastian Piu\" \/>\n\t<meta name=\"twitter:label2\" content=\"Timp estimat pentru citire\" \/>\n\t<meta name=\"twitter:data2\" content=\"9 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/vrei-sa-fii-codebitorul-meu-la-credit\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/vrei-sa-fii-codebitorul-meu-la-credit\\\/\"},\"author\":{\"name\":\"Sebastian Piu\",\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/#\\\/schema\\\/person\\\/797ba521bc02fa382d63361a5e7d35be\"},\"headline\":\"Vrei sa fii codebitorul meu?\",\"datePublished\":\"2022-08-31T18:25:47+00:00\",\"dateModified\":\"2026-09-08T08:40:58+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/vrei-sa-fii-codebitorul-meu-la-credit\\\/\"},\"wordCount\":2346,\"commentCount\":3,\"image\":{\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/vrei-sa-fii-codebitorul-meu-la-credit\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/wp-content\\\/uploads\\\/2022\\\/08\\\/Propuneri-vizualuri-Blog-7.png\",\"articleSection\":[\"Diverse\"],\"inLanguage\":\"ro-RO\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/123credit.ro\\\/blog\\\/vrei-sa-fii-codebitorul-meu-la-credit\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/vrei-sa-fii-codebitorul-meu-la-credit\\\/\",\"url\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/vrei-sa-fii-codebitorul-meu-la-credit\\\/\",\"name\":\"Codebitor la credit. - Ce presupune?\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/vrei-sa-fii-codebitorul-meu-la-credit\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/vrei-sa-fii-codebitorul-meu-la-credit\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/wp-content\\\/uploads\\\/2022\\\/08\\\/Propuneri-vizualuri-Blog-7.png\",\"datePublished\":\"2022-08-31T18:25:47+00:00\",\"dateModified\":\"2026-09-08T08:40:58+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/#\\\/schema\\\/person\\\/797ba521bc02fa382d63361a5e7d35be\"},\"description\":\"Codebitor la credit? Spre deosebire de garant, veniturile codebitorului se vor lua in calcul la determinarea gradului maxim de indatorare.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/vrei-sa-fii-codebitorul-meu-la-credit\\\/#breadcrumb\"},\"inLanguage\":\"ro-RO\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/123credit.ro\\\/blog\\\/vrei-sa-fii-codebitorul-meu-la-credit\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"ro-RO\",\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/vrei-sa-fii-codebitorul-meu-la-credit\\\/#primaryimage\",\"url\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/wp-content\\\/uploads\\\/2022\\\/08\\\/Propuneri-vizualuri-Blog-7.png\",\"contentUrl\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/wp-content\\\/uploads\\\/2022\\\/08\\\/Propuneri-vizualuri-Blog-7.png\",\"width\":940,\"height\":788},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/vrei-sa-fii-codebitorul-meu-la-credit\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Vrei sa fii codebitorul meu?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/#website\",\"url\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/\",\"name\":\"Blogul 123Credit\",\"description\":\"Blogul 123Credit iti ofera toate informatiile de care ai nevoie cand aplici pentru un credit ipotecar\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"ro-RO\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/#\\\/schema\\\/person\\\/797ba521bc02fa382d63361a5e7d35be\",\"name\":\"Sebastian Piu\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"ro-RO\",\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/wp-content\\\/uploads\\\/2024\\\/08\\\/sebastian-piu-96x96.jpg\",\"url\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/wp-content\\\/uploads\\\/2024\\\/08\\\/sebastian-piu-96x96.jpg\",\"contentUrl\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/wp-content\\\/uploads\\\/2024\\\/08\\\/sebastian-piu-96x96.jpg\",\"caption\":\"Sebastian Piu\"},\"description\":\"Antreprenor \u0219i profesionist cu o experien\u021b\u0103 bogat\u0103 de peste 15 ani \u00een sistemul bancar-financiar. Experien\u021ba sa divers\u0103 acoper\u0103 mai multe domenii cheie: Managementul V\u00e2nz\u0103rilor, Recuperarea Datoriilor, Restructurarea Creditelor \u0219i Managementul Riscurilor.\",\"sameAs\":[\"https:\\\/\\\/123credit.ro\"],\"url\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/author\\\/sebastian-piu\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Codebitor la credit. - Ce presupune?","description":"Codebitor la credit? Spre deosebire de garant, veniturile codebitorului se vor lua in calcul la determinarea gradului maxim de indatorare.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/123credit.ro\/blog\/vrei-sa-fii-codebitorul-meu-la-credit\/","og_locale":"ro_RO","og_type":"article","og_title":"Codebitor la credit. - Ce presupune?","og_description":"Codebitor la credit? Spre deosebire de garant, veniturile codebitorului se vor lua in calcul la determinarea gradului maxim de indatorare.","og_url":"https:\/\/123credit.ro\/blog\/vrei-sa-fii-codebitorul-meu-la-credit\/","og_site_name":"Blogul 123Credit","article_published_time":"2022-08-31T18:25:47+00:00","article_modified_time":"2026-09-08T08:40:58+00:00","og_image":[{"width":940,"height":788,"url":"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2022\/08\/Propuneri-vizualuri-Blog-7.png","type":"image\/png"}],"author":"Sebastian Piu","twitter_card":"summary_large_image","twitter_misc":{"Scris de":"Sebastian Piu","Timp estimat pentru citire":"9 minute"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/123credit.ro\/blog\/vrei-sa-fii-codebitorul-meu-la-credit\/#article","isPartOf":{"@id":"https:\/\/123credit.ro\/blog\/vrei-sa-fii-codebitorul-meu-la-credit\/"},"author":{"name":"Sebastian Piu","@id":"https:\/\/123credit.ro\/blog\/#\/schema\/person\/797ba521bc02fa382d63361a5e7d35be"},"headline":"Vrei sa fii codebitorul meu?","datePublished":"2022-08-31T18:25:47+00:00","dateModified":"2026-09-08T08:40:58+00:00","mainEntityOfPage":{"@id":"https:\/\/123credit.ro\/blog\/vrei-sa-fii-codebitorul-meu-la-credit\/"},"wordCount":2346,"commentCount":3,"image":{"@id":"https:\/\/123credit.ro\/blog\/vrei-sa-fii-codebitorul-meu-la-credit\/#primaryimage"},"thumbnailUrl":"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2022\/08\/Propuneri-vizualuri-Blog-7.png","articleSection":["Diverse"],"inLanguage":"ro-RO","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/123credit.ro\/blog\/vrei-sa-fii-codebitorul-meu-la-credit\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/123credit.ro\/blog\/vrei-sa-fii-codebitorul-meu-la-credit\/","url":"https:\/\/123credit.ro\/blog\/vrei-sa-fii-codebitorul-meu-la-credit\/","name":"Codebitor la credit. - Ce presupune?","isPartOf":{"@id":"https:\/\/123credit.ro\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/123credit.ro\/blog\/vrei-sa-fii-codebitorul-meu-la-credit\/#primaryimage"},"image":{"@id":"https:\/\/123credit.ro\/blog\/vrei-sa-fii-codebitorul-meu-la-credit\/#primaryimage"},"thumbnailUrl":"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2022\/08\/Propuneri-vizualuri-Blog-7.png","datePublished":"2022-08-31T18:25:47+00:00","dateModified":"2026-09-08T08:40:58+00:00","author":{"@id":"https:\/\/123credit.ro\/blog\/#\/schema\/person\/797ba521bc02fa382d63361a5e7d35be"},"description":"Codebitor la credit? Spre deosebire de garant, veniturile codebitorului se vor lua in calcul la determinarea gradului maxim de indatorare.","breadcrumb":{"@id":"https:\/\/123credit.ro\/blog\/vrei-sa-fii-codebitorul-meu-la-credit\/#breadcrumb"},"inLanguage":"ro-RO","potentialAction":[{"@type":"ReadAction","target":["https:\/\/123credit.ro\/blog\/vrei-sa-fii-codebitorul-meu-la-credit\/"]}]},{"@type":"ImageObject","inLanguage":"ro-RO","@id":"https:\/\/123credit.ro\/blog\/vrei-sa-fii-codebitorul-meu-la-credit\/#primaryimage","url":"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2022\/08\/Propuneri-vizualuri-Blog-7.png","contentUrl":"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2022\/08\/Propuneri-vizualuri-Blog-7.png","width":940,"height":788},{"@type":"BreadcrumbList","@id":"https:\/\/123credit.ro\/blog\/vrei-sa-fii-codebitorul-meu-la-credit\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/123credit.ro\/blog\/"},{"@type":"ListItem","position":2,"name":"Vrei sa fii codebitorul meu?"}]},{"@type":"WebSite","@id":"https:\/\/123credit.ro\/blog\/#website","url":"https:\/\/123credit.ro\/blog\/","name":"Blogul 123Credit","description":"Blogul 123Credit iti ofera toate informatiile de care ai nevoie cand aplici pentru un credit ipotecar","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/123credit.ro\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"ro-RO"},{"@type":"Person","@id":"https:\/\/123credit.ro\/blog\/#\/schema\/person\/797ba521bc02fa382d63361a5e7d35be","name":"Sebastian Piu","image":{"@type":"ImageObject","inLanguage":"ro-RO","@id":"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/08\/sebastian-piu-96x96.jpg","url":"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/08\/sebastian-piu-96x96.jpg","contentUrl":"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/08\/sebastian-piu-96x96.jpg","caption":"Sebastian Piu"},"description":"Antreprenor \u0219i profesionist cu o experien\u021b\u0103 bogat\u0103 de peste 15 ani \u00een sistemul bancar-financiar. Experien\u021ba sa divers\u0103 acoper\u0103 mai multe domenii cheie: Managementul V\u00e2nz\u0103rilor, Recuperarea Datoriilor, Restructurarea Creditelor \u0219i Managementul Riscurilor.","sameAs":["https:\/\/123credit.ro"],"url":"https:\/\/123credit.ro\/blog\/author\/sebastian-piu\/"}]}},"_links":{"self":[{"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/posts\/382","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/comments?post=382"}],"version-history":[{"count":20,"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/posts\/382\/revisions"}],"predecessor-version":[{"id":6194,"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/posts\/382\/revisions\/6194"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/media\/646"}],"wp:attachment":[{"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/media?parent=382"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/categories?post=382"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/tags?post=382"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}