Credite de studii \u00een Rom\u00e2nia: ce sunt, cum func\u021bioneaz\u0103 \u0219i ce op\u021biuni ai<\/title><br \/>\n<\/head><br \/>\n<body><\/p>\n<h1>Credite de studii \u00een Rom\u00e2nia: ce sunt, cum func\u021bioneaz\u0103 \u0219i ce op\u021biuni ai<\/h1>\n<p>Creditele de studii sunt tot mai populare \u00een Rom\u00e2nia, deoarece mul\u021bi tineri \u0219i p\u0103rin\u021bi caut\u0103 modalit\u0103\u021bi de a-\u0219i finan\u021ba educa\u021bia f\u0103r\u0103 a apela la economii sau rude. Aceste \u00eemprumuturi specializate permit plata taxelor universitare, a materialelor de curs, a chiriei \u0219i a altor costuri legate de via\u021ba de student.<\/p>\n<p>Spre deosebire de creditele de nevoi personale, creditele de studii sunt adaptate situa\u021biei studen\u021bilor \u2013 au condi\u021bii flexibile, pot include perioade de gra\u021bie \u0219i, \u00een unele cazuri, dob\u00e2nda este subven\u021bionat\u0103.<\/p>\n<p>\u00cen acest articol \u00ee\u021bi explic\u0103m ce sunt creditele de studii, cum func\u021bioneaz\u0103 \u0219i care sunt principalele op\u021biuni disponibile la noi.<\/p>\n<h2>Ce sunt creditele de studii?<\/h2>\n<p>Prin credite de studii ne referim la \u00eemprumuturi acordate de institu\u021bii financiare pentru a acoperi cheltuielile educa\u021bionale ale tinerilor. Ele pot fi folosite pentru plata taxelor de \u0219colarizare, achizi\u021bia de laptopuri \u0219i echipamente, c\u0103r\u021bi \u0219i rechizite, chirie sau locuri la c\u0103min, precum \u0219i pentru participarea la programe de schimb (Erasmus).<\/p>\n<p>\u00cen unele programe de stat, sumele pot fi folosite \u0219i pentru avansul unei locuin\u021be, achizi\u021bia unui autoturism sau servicii medicale. Creditele de studii se adreseaz\u0103 \u00een primul r\u00e2nd studen\u021bilor \u0219i masteranzilor, dar \u0219i tinerilor care urmeaz\u0103 cursuri de specializare sau programe MBA \u0219i, \u00een anumite condi\u021bii, p\u0103rin\u021bilor care finan\u021beaz\u0103 educa\u021bia copiilor.<\/p>\n<h2>Cum func\u021bioneaz\u0103 creditele de studii<\/h2>\n<p>Un credit de studii func\u021bioneaz\u0103 similar unui credit de nevoi personale, dar are c\u00e2teva particularit\u0103\u021bi:<\/p>\n<ul>\n<li><strong>Suma \u0219i durata:<\/strong> plafonul poate varia de la c\u00e2teva mii de euro la peste 200.000 lei, \u00een func\u021bie de banc\u0103 \u0219i de tipul creditului. Perioada de rambursare se \u00eentinde de obicei pe 5\u201310 ani, astfel \u00eenc\u00e2t ratele s\u0103 fie accesibile.<\/li>\n<li><strong>Perioada de gra\u021bie:<\/strong> multe credite de studii ofer\u0103 o gra\u021bie par\u021bial\u0103 sau total\u0103, \u00een timpul c\u0103reia pl\u0103te\u0219ti doar dob\u00e2nda sau chiar nimic; gra\u021bia poate fi de p\u00e2n\u0103 la 5 ani \u00een programele garantate de stat \u0219i de p\u00e2n\u0103 la 78 de luni \u00een programul BCR StudyUP.<\/li>\n<li><strong>Dob\u00e2nzi \u0219i garan\u021bii:<\/strong> unele programe, precum StudentInvest, au dob\u00e2nda \u0219i comisioanele subven\u021bionate de stat, \u00een timp ce alte credite comerciale au dob\u00e2nzi fixe sau variabile. Pentru sume mari, banca poate solicita garan\u021bii imobiliare sau codebitori.<\/li>\n<\/ul>\n<h2>Ce op\u021biuni exist\u0103 \u00een Rom\u00e2nia?<\/h2>\n<p>\u00cen Rom\u00e2nia exist\u0103 dou\u0103 tipuri principale de credite de studii: programe guvernamentale garantate \u0219i produse bancare comerciale.<\/p>\n<h3>1. StudentInvest \u0219i Family Start (programe de stat)<\/h3>\n<ul>\n<li><strong>StudentInvest:<\/strong> destinat persoanelor de 18\u201340 ani \u00eenscrise la o institu\u021bie de \u00eenv\u0103\u021b\u0103m\u00e2nt superior; ofer\u0103 p\u00e2n\u0103 la 75.000 lei cu garan\u021bie de stat de 80%. Dob\u00e2nda \u0219i comisioanele sunt pl\u0103tite integral de stat, iar creditul poate avea o gra\u021bie de p\u00e2n\u0103 la 5 ani \u0219i un termen total de 10 ani.<\/li>\n<li><strong>Family Start:<\/strong> pentru tineri (18\u201345 ani) care \u00ee\u0219i \u00eentemeiaz\u0103 o familie sau cresc copii; suma maxim\u0103 este 150.000 lei, iar statul subven\u021bioneaz\u0103 75% din dob\u00e2nd\u0103.<\/li>\n<\/ul>\n<h3>2. Oferte bancare comerciale<\/h3>\n<ul>\n<li><strong>BRD \u2013 Creditul pentru studii:<\/strong> acord\u0103 p\u00e2n\u0103 la 250.000 lei (sau echivalent \u00een euro) f\u0103r\u0103 garan\u021bii, pe maximum 10 ani. Ofer\u0103 o gra\u021bie par\u021bial\u0103 de 6 luni, timp \u00een care pl\u0103te\u0219ti doar dob\u00e2nda \u0219i comisioanele. Accept\u0103 o gam\u0103 larg\u0103 de venituri (salarii, pensii, chirii etc.) \u0219i permite p\u00e2n\u0103 la 3 co\u2011\u00eemprumuta\u021bi.<\/li>\n<li><strong>BCR Social Finance \u2013 StudyUP:<\/strong> disponibil pentru 18\u201345 ani f\u0103r\u0103 venit sau co\u2011pl\u0103titor; credit de p\u00e2n\u0103 la 120 de luni cu gra\u021bie de 78 de luni. Beneficiaz\u0103 de garan\u021bie de 80% de la FEI, iar un exemplu de calcul arat\u0103 o dob\u00e2nd\u0103 de 11,5% p.a. \u0219i comision de administrare 4,5%.<\/li>\n<li><strong>Banca Transilvania:<\/strong> ofer\u0103 dou\u0103 variante cu ipotec\u0103: credit pentru studii (10 sau 20 de ani, 20.000\u2013150.000\u202f\u20ac) cu posibilitatea de a pl\u0103ti doar dob\u00e2nda \u00een primii 5 ani, \u0219i credit Work & Travel (max. 3.500\u202f\u20ac, p\u00e2n\u0103 la 2 ani) cu dob\u00e2nd\u0103 fix\u0103.<\/li>\n<li><strong>BRD \u2013 Credit 10:<\/strong> un credit rapid de p\u00e2n\u0103 la 3.000\u202f\u20ac pentru cheltuieli de studen\u021bie (c\u0103r\u021bi, rent\u0103, calculator) cu dob\u00e2nd\u0103 fix\u0103 ~7% \u0219i gra\u021bie de 12 luni.<\/li>\n<li><strong>Libra Internet Bank \u2013 Student Invest:<\/strong> parte a programului StudentInvest; ofer\u0103 p\u00e2n\u0103 la 75.000 lei pe maximum 5 ani, cu dob\u00e2nd\u0103 subven\u021bionat\u0103 100%. Necesit\u0103 venit minim 3.500 lei pentru solicitant sau co\u2011debit \u0219i dovede\u0219te \u00eenscrierea la o institu\u021bie acreditat\u0103.<\/li>\n<\/ul>\n<h2>Avantaje \u0219i riscuri<\/h2>\n<p>Creditele de studii aduc mai multe beneficii: acces la educa\u021bie atunci c\u00e2nd economiile lipsesc, perioad\u0103 lung\u0103 de rambursare cu rate accesibile \u0219i, pentru unele programe, dob\u00e2nd\u0103 subven\u021bionat\u0103.<\/p>\n<p>Totu\u0219i, exist\u0103 \u0219i riscuri: supra\u00eendatorarea dup\u0103 finalizarea studiilor, varia\u021bia dob\u00e2nzilor (\u00een cazul creditelor cu rate variabile) \u0219i obliga\u021biile pentru codebitori sau garan\u021bii imobiliare.<\/p>\n<p>\u00cenainte de a lua un credit de studii, compar\u0103 ofertele, calculeaz\u0103 costurile totale (DAE) \u0219i evalueaz\u0103 capacitatea de rambursare.<\/p>\n<h2>Eligibilitate pentru credite de studii<\/h2>\n<p>Fiecare banc\u0103 sau program de stat are propriile condi\u021bii. \u00cen general, trebuie s\u0103 \u00eendepline\u0219ti urm\u0103toarele criterii:<\/p>\n<ul>\n<li><strong>V\u00e2rst\u0103 \u0219i statut:<\/strong> trebuie s\u0103 ai \u00eentre 18 \u0219i 40\u201345 de ani \u0219i s\u0103 fii \u00eenscris la o institu\u021bie de \u00eenv\u0103\u021b\u0103m\u00e2nt acreditat\u0103.<\/li>\n<li><strong>Venituri:<\/strong> unele credite se acord\u0103 f\u0103r\u0103 venit, dar majoritatea solicit\u0103 venit minim (ex. 3.500 lei la Libra Bank) sau co\u2011\u00eemprumutat.<\/li>\n<li><strong>Garan\u021bii:<\/strong> la creditele mari cu ipotec\u0103, se pot cere garan\u021bii imobiliare; la programe de stat, garan\u021bia este oferit\u0103 de stat (80%).<\/li>\n<li><strong>Documente:<\/strong> carte de identitate, adeverin\u021b\u0103 c\u0103 e\u0219ti student, dovada taxelor, eventual acte de proprietate pentru garan\u021bii.<\/li>\n<\/ul>\n<h2>4 sfaturi practice:<\/h2>\n<ol>\n<li>Compar\u0103 mai multe oferte \u0219i \u021bine cont de dob\u00e2nd\u0103, comisioane, gra\u021bie \u0219i durata creditului.<\/li>\n<li>Calculeaz\u0103 cheltuielile totale, nu doar rata lunar\u0103.<\/li>\n<li>Solicit\u0103 consultan\u021b\u0103 de la speciali\u0219ti \u00een creditare pentru a \u00een\u021belege clauzele \u0219i riscurile.<\/li>\n<li>Planific\u0103 un buget \u0219i asigur\u0103-te c\u0103 po\u021bi pl\u0103ti ratele dup\u0103 terminarea studiilor.<\/li>\n<\/ol>\n<h2>Concluzie<\/h2>\n<p>Creditele de studii \u00ee\u021bi pot deschide u\u0219i c\u0103tre educa\u021bie de calitate, fie c\u0103 vrei s\u0103 urmezi o facultate \u00een \u021bar\u0103, un master \u00een str\u0103in\u0103tate sau un program de perfec\u021bionare.<\/p>\n<p>\u00cen Rom\u00e2nia exist\u0103 at\u00e2t programe guvernamentale cu dob\u00e2nd\u0103 subven\u021bionat\u0103 (StudentInvest \u0219i Family Start), c\u00e2t \u0219i oferte comerciale ale b\u0103ncilor (BRD, BCR Social Finance, Banca Transilvania, Libra Bank).<\/p>\n<p>Fiecare op\u021biune are avantaje \u0219i limit\u0103ri \u00een privin\u021ba sumei, perioadei, garan\u021biilor \u0219i eligibilit\u0103\u021bii. Alege informat \u0219i compar\u0103 variantele pentru a g\u0103si creditul potrivit nevoilor tale.<\/p>\n<p>Vrei s\u0103 afli ce credit se potrive\u0219te situa\u021biei tale? Discut\u0103 cu speciali\u0219tii \u00een creditare de la 123credit pentru o analiz\u0103 personalizat\u0103 \u0219i recomand\u0103ri adaptate obiectivelor tale de studiu.<\/p>\n<h2>\u00centreb\u0103ri frecvente despre credite de studii<\/h2>\n<h3>1. Ce sunt creditele de studii \u0219i cui se adreseaz\u0103?<\/h3>\n<p>Sunt \u00eemprumuturi create pentru a finan\u021ba cheltuielile de educa\u021bie \u0219i se adreseaz\u0103 studen\u021bilor, masteranzilor sau tinerilor care doresc s\u0103-\u0219i continue studiile, precum \u0219i p\u0103rin\u021bilor care sus\u021bin educa\u021bia copiilor.<\/p>\n<h3>2. Ce sume pot fi \u00eemprumutate printr-un credit de studii?<\/h3>\n<p>Sumele variaz\u0103 \u00een func\u021bie de produs: p\u00e2n\u0103 la 75.000 lei pentru StudentInvest, 250.000 lei la BRD f\u0103r\u0103 garan\u021bii, p\u00e2n\u0103 la 150.000\u202f\u20ac cu ipotec\u0103 la Banca Transilvania sau 20.000 lei prin StudyUP.<\/p>\n<h3>3. Ce presupune perioada de gra\u021bie?<\/h3>\n<p>Este intervalul \u00een care pl\u0103te\u0219ti doar dob\u00e2nda \u0219i eventual comisioanele; principalul se ramburseaz\u0103 dup\u0103 terminarea studilor. Gra\u021bia poate fi de la c\u00e2teva luni (BRD) p\u00e2n\u0103 la 5 ani la StudentInvest.<\/p>\n<h3>4. Am nevoie de codebitor sau garan\u021bie?<\/h3>\n<p>La programele de stat nu se cer garan\u021bii suplimentare, dar poate fi necesar un codebitor dac\u0103 nu ai venit. Creditele comerciale cu sume mari (BT) pot necesita ipotec\u0103 sau co\u2011\u00eemprumuta\u021bi.<\/p>\n<h3>5. Pot rambursa anticipat un credit de studii?<\/h3>\n<p>Da. Majoritatea b\u0103ncilor permit rambursarea anticipat\u0103, uneori f\u0103r\u0103 comision. La StudyUP, de exemplu, po\u021bi rambursa oric\u00e2nd, iar costurile se recalculeaz\u0103 la noua valoare a creditului.<\/p>\n<div>\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);\"><p> <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><\/p>\n<p><\/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, 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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\" 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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<\/p><\/div>\n<p><\/body><br \/>\n<\/html><\/p>\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>Credite de studii \u00een Rom\u00e2nia: ce sunt, cum func\u021bioneaz\u0103 \u0219i ce op\u021biuni ai Credite de studii \u00een Rom\u00e2nia: ce sunt, cum func\u021bioneaz\u0103 \u0219i ce op\u021biuni ai Creditele de studii sunt tot mai populare \u00een Rom\u00e2nia, deoarece mul\u021bi tineri \u0219i p\u0103rin\u021bi caut\u0103 modalit\u0103\u021bi de a-\u0219i finan\u021ba educa\u021bia f\u0103r\u0103 a apela la economii sau rude. Aceste \u00eemprumuturi specializate permit plata taxelor universitare, […]<\/p>\n","protected":false},"author":9,"featured_media":3863,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[262],"tags":[],"class_list":["post-3882","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-diverse"],"yoast_head":"\n<title>Credite de studii \u00een Rom\u00e2nia: ce sunt, cum func\u021bioneaz\u0103 \u0219i ce op\u021biuni ai - Blogul 123Credit<\/title>\n<meta name=\"description\" content=\"Despre credite de studii \u00een Rom\u00e2nia: ce sunt, cum func\u021bioneaz\u0103 \u0219i ce op\u021biuni ai pentru finan\u021barea educa\u021biei. 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{"id":3882,"date":"2025-09-18T10:04:03","date_gmt":"2025-09-18T07:04:03","guid":{"rendered":"https:\/\/123credit.ro\/blog\/credite-de-studii\/"},"modified":"2025-09-18T10:04:06","modified_gmt":"2025-09-18T07:04:06","slug":"credite-de-studii","status":"publish","type":"post","link":"https:\/\/123credit.ro\/blog\/credite-de-studii\/","title":{"rendered":"Credite de studii \u00een Rom\u00e2nia: ce sunt, cum func\u021bioneaz\u0103 \u0219i ce op\u021biuni ai"},"content":{"rendered":"Timpul estimat pentru citire: <\/span> 7<\/span> minute<\/span><\/span>

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\n Credite de studii \u00een Rom\u00e2nia: ce sunt, cum func\u021bioneaz\u0103 \u0219i ce op\u021biuni ai<\/title><br \/>\n<\/head><br \/>\n<body><\/p>\n<h1>Credite de studii \u00een Rom\u00e2nia: ce sunt, cum func\u021bioneaz\u0103 \u0219i ce op\u021biuni ai<\/h1>\n<p>Creditele de studii sunt tot mai populare \u00een Rom\u00e2nia, deoarece mul\u021bi tineri \u0219i p\u0103rin\u021bi caut\u0103 modalit\u0103\u021bi de a-\u0219i finan\u021ba educa\u021bia f\u0103r\u0103 a apela la economii sau rude. Aceste \u00eemprumuturi specializate permit plata taxelor universitare, a materialelor de curs, a chiriei \u0219i a altor costuri legate de via\u021ba de student.<\/p>\n<p>Spre deosebire de creditele de nevoi personale, creditele de studii sunt adaptate situa\u021biei studen\u021bilor \u2013 au condi\u021bii flexibile, pot include perioade de gra\u021bie \u0219i, \u00een unele cazuri, dob\u00e2nda este subven\u021bionat\u0103.<\/p>\n<p>\u00cen acest articol \u00ee\u021bi explic\u0103m ce sunt creditele de studii, cum func\u021bioneaz\u0103 \u0219i care sunt principalele op\u021biuni disponibile la noi.<\/p>\n<h2>Ce sunt creditele de studii?<\/h2>\n<p>Prin credite de studii ne referim la \u00eemprumuturi acordate de institu\u021bii financiare pentru a acoperi cheltuielile educa\u021bionale ale tinerilor. Ele pot fi folosite pentru plata taxelor de \u0219colarizare, achizi\u021bia de laptopuri \u0219i echipamente, c\u0103r\u021bi \u0219i rechizite, chirie sau locuri la c\u0103min, precum \u0219i pentru participarea la programe de schimb (Erasmus).<\/p>\n<p>\u00cen unele programe de stat, sumele pot fi folosite \u0219i pentru avansul unei locuin\u021be, achizi\u021bia unui autoturism sau servicii medicale. Creditele de studii se adreseaz\u0103 \u00een primul r\u00e2nd studen\u021bilor \u0219i masteranzilor, dar \u0219i tinerilor care urmeaz\u0103 cursuri de specializare sau programe MBA \u0219i, \u00een anumite condi\u021bii, p\u0103rin\u021bilor care finan\u021beaz\u0103 educa\u021bia copiilor.<\/p>\n<h2>Cum func\u021bioneaz\u0103 creditele de studii<\/h2>\n<p>Un credit de studii func\u021bioneaz\u0103 similar unui credit de nevoi personale, dar are c\u00e2teva particularit\u0103\u021bi:<\/p>\n<ul>\n<li><strong>Suma \u0219i durata:<\/strong> plafonul poate varia de la c\u00e2teva mii de euro la peste 200.000 lei, \u00een func\u021bie de banc\u0103 \u0219i de tipul creditului. Perioada de rambursare se \u00eentinde de obicei pe 5\u201310 ani, astfel \u00eenc\u00e2t ratele s\u0103 fie accesibile.<\/li>\n<li><strong>Perioada de gra\u021bie:<\/strong> multe credite de studii ofer\u0103 o gra\u021bie par\u021bial\u0103 sau total\u0103, \u00een timpul c\u0103reia pl\u0103te\u0219ti doar dob\u00e2nda sau chiar nimic; gra\u021bia poate fi de p\u00e2n\u0103 la 5 ani \u00een programele garantate de stat \u0219i de p\u00e2n\u0103 la 78 de luni \u00een programul BCR StudyUP.<\/li>\n<li><strong>Dob\u00e2nzi \u0219i garan\u021bii:<\/strong> unele programe, precum StudentInvest, au dob\u00e2nda \u0219i comisioanele subven\u021bionate de stat, \u00een timp ce alte credite comerciale au dob\u00e2nzi fixe sau variabile. Pentru sume mari, banca poate solicita garan\u021bii imobiliare sau codebitori.<\/li>\n<\/ul>\n<h2>Ce op\u021biuni exist\u0103 \u00een Rom\u00e2nia?<\/h2>\n<p>\u00cen Rom\u00e2nia exist\u0103 dou\u0103 tipuri principale de credite de studii: programe guvernamentale garantate \u0219i produse bancare comerciale.<\/p>\n<h3>1. StudentInvest \u0219i Family Start (programe de stat)<\/h3>\n<ul>\n<li><strong>StudentInvest:<\/strong> destinat persoanelor de 18\u201340 ani \u00eenscrise la o institu\u021bie de \u00eenv\u0103\u021b\u0103m\u00e2nt superior; ofer\u0103 p\u00e2n\u0103 la 75.000 lei cu garan\u021bie de stat de 80%. Dob\u00e2nda \u0219i comisioanele sunt pl\u0103tite integral de stat, iar creditul poate avea o gra\u021bie de p\u00e2n\u0103 la 5 ani \u0219i un termen total de 10 ani.<\/li>\n<li><strong>Family Start:<\/strong> pentru tineri (18\u201345 ani) care \u00ee\u0219i \u00eentemeiaz\u0103 o familie sau cresc copii; suma maxim\u0103 este 150.000 lei, iar statul subven\u021bioneaz\u0103 75% din dob\u00e2nd\u0103.<\/li>\n<\/ul>\n<h3>2. Oferte bancare comerciale<\/h3>\n<ul>\n<li><strong>BRD \u2013 Creditul pentru studii:<\/strong> acord\u0103 p\u00e2n\u0103 la 250.000 lei (sau echivalent \u00een euro) f\u0103r\u0103 garan\u021bii, pe maximum 10 ani. Ofer\u0103 o gra\u021bie par\u021bial\u0103 de 6 luni, timp \u00een care pl\u0103te\u0219ti doar dob\u00e2nda \u0219i comisioanele. Accept\u0103 o gam\u0103 larg\u0103 de venituri (salarii, pensii, chirii etc.) \u0219i permite p\u00e2n\u0103 la 3 co\u2011\u00eemprumuta\u021bi.<\/li>\n<li><strong>BCR Social Finance \u2013 StudyUP:<\/strong> disponibil pentru 18\u201345 ani f\u0103r\u0103 venit sau co\u2011pl\u0103titor; credit de p\u00e2n\u0103 la 120 de luni cu gra\u021bie de 78 de luni. Beneficiaz\u0103 de garan\u021bie de 80% de la FEI, iar un exemplu de calcul arat\u0103 o dob\u00e2nd\u0103 de 11,5% p.a. \u0219i comision de administrare 4,5%.<\/li>\n<li><strong>Banca Transilvania:<\/strong> ofer\u0103 dou\u0103 variante cu ipotec\u0103: credit pentru studii (10 sau 20 de ani, 20.000\u2013150.000\u202f\u20ac) cu posibilitatea de a pl\u0103ti doar dob\u00e2nda \u00een primii 5 ani, \u0219i credit Work & Travel (max. 3.500\u202f\u20ac, p\u00e2n\u0103 la 2 ani) cu dob\u00e2nd\u0103 fix\u0103.<\/li>\n<li><strong>BRD \u2013 Credit 10:<\/strong> un credit rapid de p\u00e2n\u0103 la 3.000\u202f\u20ac pentru cheltuieli de studen\u021bie (c\u0103r\u021bi, rent\u0103, calculator) cu dob\u00e2nd\u0103 fix\u0103 ~7% \u0219i gra\u021bie de 12 luni.<\/li>\n<li><strong>Libra Internet Bank \u2013 Student Invest:<\/strong> parte a programului StudentInvest; ofer\u0103 p\u00e2n\u0103 la 75.000 lei pe maximum 5 ani, cu dob\u00e2nd\u0103 subven\u021bionat\u0103 100%. Necesit\u0103 venit minim 3.500 lei pentru solicitant sau co\u2011debit \u0219i dovede\u0219te \u00eenscrierea la o institu\u021bie acreditat\u0103.<\/li>\n<\/ul>\n<h2>Avantaje \u0219i riscuri<\/h2>\n<p>Creditele de studii aduc mai multe beneficii: acces la educa\u021bie atunci c\u00e2nd economiile lipsesc, perioad\u0103 lung\u0103 de rambursare cu rate accesibile \u0219i, pentru unele programe, dob\u00e2nd\u0103 subven\u021bionat\u0103.<\/p>\n<p>Totu\u0219i, exist\u0103 \u0219i riscuri: supra\u00eendatorarea dup\u0103 finalizarea studiilor, varia\u021bia dob\u00e2nzilor (\u00een cazul creditelor cu rate variabile) \u0219i obliga\u021biile pentru codebitori sau garan\u021bii imobiliare.<\/p>\n<p>\u00cenainte de a lua un credit de studii, compar\u0103 ofertele, calculeaz\u0103 costurile totale (DAE) \u0219i evalueaz\u0103 capacitatea de rambursare.<\/p>\n<h2>Eligibilitate pentru credite de studii<\/h2>\n<p>Fiecare banc\u0103 sau program de stat are propriile condi\u021bii. \u00cen general, trebuie s\u0103 \u00eendepline\u0219ti urm\u0103toarele criterii:<\/p>\n<ul>\n<li><strong>V\u00e2rst\u0103 \u0219i statut:<\/strong> trebuie s\u0103 ai \u00eentre 18 \u0219i 40\u201345 de ani \u0219i s\u0103 fii \u00eenscris la o institu\u021bie de \u00eenv\u0103\u021b\u0103m\u00e2nt acreditat\u0103.<\/li>\n<li><strong>Venituri:<\/strong> unele credite se acord\u0103 f\u0103r\u0103 venit, dar majoritatea solicit\u0103 venit minim (ex. 3.500 lei la Libra Bank) sau co\u2011\u00eemprumutat.<\/li>\n<li><strong>Garan\u021bii:<\/strong> la creditele mari cu ipotec\u0103, se pot cere garan\u021bii imobiliare; la programe de stat, garan\u021bia este oferit\u0103 de stat (80%).<\/li>\n<li><strong>Documente:<\/strong> carte de identitate, adeverin\u021b\u0103 c\u0103 e\u0219ti student, dovada taxelor, eventual acte de proprietate pentru garan\u021bii.<\/li>\n<\/ul>\n<h2>4 sfaturi practice:<\/h2>\n<ol>\n<li>Compar\u0103 mai multe oferte \u0219i \u021bine cont de dob\u00e2nd\u0103, comisioane, gra\u021bie \u0219i durata creditului.<\/li>\n<li>Calculeaz\u0103 cheltuielile totale, nu doar rata lunar\u0103.<\/li>\n<li>Solicit\u0103 consultan\u021b\u0103 de la speciali\u0219ti \u00een creditare pentru a \u00een\u021belege clauzele \u0219i riscurile.<\/li>\n<li>Planific\u0103 un buget \u0219i asigur\u0103-te c\u0103 po\u021bi pl\u0103ti ratele dup\u0103 terminarea studiilor.<\/li>\n<\/ol>\n<h2>Concluzie<\/h2>\n<p>Creditele de studii \u00ee\u021bi pot deschide u\u0219i c\u0103tre educa\u021bie de calitate, fie c\u0103 vrei s\u0103 urmezi o facultate \u00een \u021bar\u0103, un master \u00een str\u0103in\u0103tate sau un program de perfec\u021bionare.<\/p>\n<p>\u00cen Rom\u00e2nia exist\u0103 at\u00e2t programe guvernamentale cu dob\u00e2nd\u0103 subven\u021bionat\u0103 (StudentInvest \u0219i Family Start), c\u00e2t \u0219i oferte comerciale ale b\u0103ncilor (BRD, BCR Social Finance, Banca Transilvania, Libra Bank).<\/p>\n<p>Fiecare op\u021biune are avantaje \u0219i limit\u0103ri \u00een privin\u021ba sumei, perioadei, garan\u021biilor \u0219i eligibilit\u0103\u021bii. Alege informat \u0219i compar\u0103 variantele pentru a g\u0103si creditul potrivit nevoilor tale.<\/p>\n<p>Vrei s\u0103 afli ce credit se potrive\u0219te situa\u021biei tale? Discut\u0103 cu speciali\u0219tii \u00een creditare de la 123credit pentru o analiz\u0103 personalizat\u0103 \u0219i recomand\u0103ri adaptate obiectivelor tale de studiu.<\/p>\n<h2>\u00centreb\u0103ri frecvente despre credite de studii<\/h2>\n<h3>1. Ce sunt creditele de studii \u0219i cui se adreseaz\u0103?<\/h3>\n<p>Sunt \u00eemprumuturi create pentru a finan\u021ba cheltuielile de educa\u021bie \u0219i se adreseaz\u0103 studen\u021bilor, masteranzilor sau tinerilor care doresc s\u0103-\u0219i continue studiile, precum \u0219i p\u0103rin\u021bilor care sus\u021bin educa\u021bia copiilor.<\/p>\n<h3>2. Ce sume pot fi \u00eemprumutate printr-un credit de studii?<\/h3>\n<p>Sumele variaz\u0103 \u00een func\u021bie de produs: p\u00e2n\u0103 la 75.000 lei pentru StudentInvest, 250.000 lei la BRD f\u0103r\u0103 garan\u021bii, p\u00e2n\u0103 la 150.000\u202f\u20ac cu ipotec\u0103 la Banca Transilvania sau 20.000 lei prin StudyUP.<\/p>\n<h3>3. Ce presupune perioada de gra\u021bie?<\/h3>\n<p>Este intervalul \u00een care pl\u0103te\u0219ti doar dob\u00e2nda \u0219i eventual comisioanele; principalul se ramburseaz\u0103 dup\u0103 terminarea studilor. Gra\u021bia poate fi de la c\u00e2teva luni (BRD) p\u00e2n\u0103 la 5 ani la StudentInvest.<\/p>\n<h3>4. Am nevoie de codebitor sau garan\u021bie?<\/h3>\n<p>La programele de stat nu se cer garan\u021bii suplimentare, dar poate fi necesar un codebitor dac\u0103 nu ai venit. Creditele comerciale cu sume mari (BT) pot necesita ipotec\u0103 sau co\u2011\u00eemprumuta\u021bi.<\/p>\n<h3>5. Pot rambursa anticipat un credit de studii?<\/h3>\n<p>Da. Majoritatea b\u0103ncilor permit rambursarea anticipat\u0103, uneori f\u0103r\u0103 comision. La StudyUP, de exemplu, po\u021bi rambursa oric\u00e2nd, iar costurile se recalculeaz\u0103 la noua valoare a creditului.<\/p>\n<div>\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);\"><p> <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><\/p>\n<p><\/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, \" \/><\/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<\/p><\/div>\n<p><\/body><br \/>\n<\/html><\/p>\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>Credite de studii \u00een Rom\u00e2nia: ce sunt, cum func\u021bioneaz\u0103 \u0219i ce op\u021biuni ai Credite de studii \u00een Rom\u00e2nia: ce sunt, cum func\u021bioneaz\u0103 \u0219i ce op\u021biuni ai Creditele de studii sunt tot mai populare \u00een Rom\u00e2nia, deoarece mul\u021bi tineri \u0219i p\u0103rin\u021bi caut\u0103 modalit\u0103\u021bi de a-\u0219i finan\u021ba educa\u021bia f\u0103r\u0103 a apela la economii sau rude. Aceste \u00eemprumuturi specializate permit plata taxelor universitare, […]<\/p>\n","protected":false},"author":9,"featured_media":3863,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[262],"tags":[],"class_list":["post-3882","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-diverse"],"yoast_head":"\n<title>Credite de studii \u00een Rom\u00e2nia: ce sunt, cum func\u021bioneaz\u0103 \u0219i ce op\u021biuni ai - Blogul 123Credit<\/title>\n<meta name=\"description\" content=\"Despre credite de studii \u00een Rom\u00e2nia: ce sunt, cum func\u021bioneaz\u0103 \u0219i ce op\u021biuni ai pentru finan\u021barea educa\u021biei. 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