{"id":4129,"date":"2025-11-01T09:15:40","date_gmt":"2025-11-01T07:15:40","guid":{"rendered":"https:\/\/123credit.ro\/blog\/?p=4129"},"modified":"2025-11-03T09:16:41","modified_gmt":"2025-11-03T07:16:41","slug":"de-cate-ori-poti-sa-refinantezi-un-credit","status":"publish","type":"post","link":"https:\/\/123credit.ro\/blog\/de-cate-ori-poti-sa-refinantezi-un-credit\/","title":{"rendered":"De c\u00e2te ori po\u021bi s\u0103 refinan\u021bezi un credit? Ce trebuie s\u0103 \u0219tii pentru a-\u021bi optimiza datoriile"},"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\"> 6<\/span> <span class=\"rt-label rt-postfix\">minute<\/span><\/span><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 fusion-flex-container nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1144px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-blend:overlay;--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-1\"><p><span style=\"font-weight: 400;\">Te-ai \u00eentrebat de c\u00e2te ori po\u021bi s\u0103 refinan\u021bezi un credit? Poate ai f\u0103cut deja un pas c\u0103tre refinan\u021bare pentru a-\u021bi reduce costurile, dar ai aflat c\u0103 vechile dob\u00e2nzi nu mai sunt at\u00e2t de competitive sau c\u0103 ai g\u0103sit o ofert\u0103 \u0219i mai bun\u0103 la alt\u0103 banc\u0103. <\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/123credit.ro\/blog\/amanare-rate-vs-refinantare\/\"><b><i><span style=\"color: var(--awb-color5);\">Refinan\u021barea este o unealt\u0103 financiar\u0103<\/span><\/i><\/b><\/a><span style=\"font-weight: 400;\"> din ce \u00een ce mai folosit\u0103, dar mul\u021bi clien\u021bi nu cunosc cu exactitate care sunt limitele, avantajele \u0219i riscurile atunci c\u00e2nd aleg s\u0103 \u00ee\u0219i optimizeze datoriile \u00een mod repetat. <\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Tocmai de aceea, este esen\u021bial s\u0103 \u00een\u021belegi clar de c\u00e2te ori po\u021bi s\u0103 refinan\u021bezi un credit \u0219i cum poate aceast\u0103 strategie s\u0103 influen\u021beze bugetul t\u0103u pe termen lung.<\/span><\/li>\n<\/ul>\n<h2 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><b>Ce \u00eenseamn\u0103 refinan\u021barea unui credit \u0219i de ce ai vrea s\u0103 o faci de mai multe ori<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Refinan\u021barea unui credit presupune s\u0103 iei un \u00eemprumut nou, de obicei cu o dob\u00e2nd\u0103 mai mic\u0103 sau condi\u021bii mai avantajoase, pentru a rambursa unul sau mai multe credite existente. <\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Poate fi vorba de credite de nevoi personale, credite ipotecare sau chiar credite de tip overdraft. Una dintre cele mai frecvente \u00eentreb\u0103ri este de c\u00e2te ori po\u021bi s\u0103 refinan\u021bezi un credit \u0219i dac\u0103 b\u0103ncile impun anumite restric\u021bii. <\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Motiva\u021biile pentru refinan\u021bare pot fi variate: <\/span><a href=\"https:\/\/123credit.ro\/blog\/ce-inseamna-sa-faci-refinantare\/\"><b><i><span style=\"color: var(--awb-color5);\">reducerea ratei lunare<\/span><\/i><\/b><\/a><span style=\"font-weight: 400;\">, sc\u0103derea dob\u00e2nzii, unificarea mai multor credite \u00eentr-o singur\u0103 rat\u0103 sau prelungirea perioadei de rambursare pentru a avea mai mult spa\u021biu \u00een bugetul lunar.<\/span><\/li>\n<\/ol>\n<h2 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><b>De c\u00e2te ori po\u021bi s\u0103 refinan\u021bezi un credit \u00een practic\u0103<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Dac\u0103 te \u00eentrebi de c\u00e2te ori po\u021bi s\u0103 refinan\u021bezi un credit, r\u0103spunsul este, \u00een teorie, nelimitat. Nu exist\u0103 o lege care s\u0103 impun\u0103 o limit\u0103 clar\u0103 privind num\u0103rul de refinan\u021b\u0103ri pe care le po\u021bi face pentru un credit. <\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">At\u00e2t timp c\u00e2t \u00eendepline\u0219ti condi\u021biile cerute de banc\u0103, venitul este suficient, scorul de credit este bun, nu ai restan\u021be sau probleme de plat\u0103, po\u021bi s\u0103 refinan\u021bezi oric\u00e2t de des dore\u0219ti. <\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Totu\u0219i, trebuie s\u0103 fii atent la costurile asociate fiec\u0103rei opera\u021biuni \u0219i la impactul asupra istoricului t\u0103u de credit. <\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Refinan\u021b\u0103rile succesive pot fi avantajoase dac\u0103 dob\u00e2nzile scad constant, dar pot duce \u0219i la cre\u0219terea costului total al creditului dac\u0103 nu analizezi atent fiecare ofert\u0103.<\/span><\/li>\n<\/ul>\n<h2 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><b>Cum func\u021bioneaz\u0103 procesul de refinan\u021bare repetat\u0103<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">S\u0103 \u00een\u021belegi de c\u00e2te ori po\u021bi s\u0103 refinan\u021bezi un credit presupune s\u0103 \u0219tii cum decurge efectiv procesul. De fiecare dat\u0103 c\u00e2nd vrei s\u0103 refinan\u021bezi, banca analizeaz\u0103 situa\u021bia ta financiar\u0103, istoricul de credit, veniturile \u0219i gradul de \u00eendatorare. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Dac\u0103 treci de aceste filtre, po\u021bi ob\u021bine un nou credit de refinan\u021bare. Fiecare refinan\u021bare presupune, practic, contractarea unui credit nou cu scopul de a achita creditul anterior. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Po\u021bi alege s\u0103 r\u0103m\u00e2i la <\/span><a href=\"https:\/\/123credit.ro\/blog\/pot-sa-refinantez-un-credit-la-aceeasi-banca\/\"><b><i><span style=\"color: var(--awb-color5);\">aceea\u0219i banc\u0103<\/span><\/i><\/b><\/a><span style=\"font-weight: 400;\"> sau s\u0103 transferi creditul la o alt\u0103 institu\u021bie financiar\u0103 care ofer\u0103 condi\u021bii mai bune. \u00cen teorie, procesul poate fi repetat ori de c\u00e2te ori g\u0103se\u0219ti o ofert\u0103 mai avantajoas\u0103 \u0219i banca accept\u0103 cererea ta.<\/span><\/p>\n<h2 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><b>Avantajele de a refinan\u021ba de mai multe ori<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Cea mai mare motiva\u021bie pentru a te \u00eentreba de c\u00e2te ori po\u021bi s\u0103 refinan\u021bezi un credit este, f\u0103r\u0103 \u00eendoial\u0103, dorin\u021ba de a ob\u021bine beneficii suplimentare. <\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Dac\u0103 pia\u021ba dob\u00e2nzilor scade, po\u021bi ajunge s\u0103 pl\u0103te\u0219ti rate tot mai mici cu fiecare refinan\u021bare. <\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u00cen plus, po\u021bi ob\u021bine o sum\u0103 suplimentar\u0103 de bani (cash-out) dac\u0103 ai nevoie de lichidit\u0103\u021bi pentru alte proiecte personale sau investi\u021bii. <\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Refinan\u021barea repetat\u0103 poate ajuta \u0219i la echilibrarea bugetului, mai ales dac\u0103 dore\u0219ti s\u0103 extinzi perioada de rambursare sau s\u0103 scazi rata lunar\u0103.<\/span><\/li>\n<\/ol>\n<h2 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><b>Riscurile ascunse ale refinan\u021b\u0103rilor multiple<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Dac\u0103 totul pare simplu \u0219i tentant, e bine s\u0103 cuno\u0219ti \u0219i riscurile. De c\u00e2te ori po\u021bi s\u0103 refinan\u021bezi un credit nu \u00eenseamn\u0103 c\u0103 ar trebui s\u0103 o faci ori de c\u00e2te ori apare o ofert\u0103 nou\u0103. <\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Fiecare refinan\u021bare aduce costuri: comision de analiz\u0103, comision de rambursare anticipat\u0103 (dac\u0103 nu este zero), taxe notariale sau de evaluare (la creditele ipotecare). <\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">De asemenea, fiecare nou\u0103 analiz\u0103 de credit duce la o interogare \u00een Biroul de Credit, iar prea multe solicit\u0103ri \u00eentr-o perioad\u0103 scurt\u0103 pot afecta scorul t\u0103u. <\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Dac\u0103 prelunge\u0219ti mereu perioada de rambursare, po\u021bi ajunge s\u0103 pl\u0103te\u0219ti mult mai mult pe termen lung, chiar dac\u0103 rata lunar\u0103 scade. <\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Un alt risc este tenta\u021bia de a accesa sume tot mai mari la fiecare refinan\u021bare, ceea ce poate duce la supra\u00eendatorare.<\/span><\/p>\n<h2 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><b>C\u00e2nd are sens s\u0103 refinan\u021bezi de mai multe ori<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Analiz\u00e2nd \u00eentrebarea de c\u00e2te ori po\u021bi s\u0103 refinan\u021bezi un credit, este important s\u0103 fii pragmatic. Refinan\u021barea are sens dac\u0103 dob\u00e2nda nou\u0103 este semnificativ mai mic\u0103 dec\u00e2t cea veche, dac\u0103 nu exist\u0103 costuri ascunse care \u00ee\u021bi anuleaz\u0103 beneficiul sau dac\u0103 ai nevoie de o sum\u0103 suplimentar\u0103 pentru un proiect important. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">De asemenea, refinan\u021barea este util\u0103 dac\u0103 po\u021bi s\u0103 aduni toate creditele \u00eentr-o singur\u0103 rat\u0103 \u0219i s\u0103 simplifici gestionarea bugetului. Speciali\u0219tii recomand\u0103 s\u0103 nu faci refinan\u021b\u0103ri succesive doar pentru a ob\u021bine bani \u00een plus, ci s\u0103 c\u00e2nt\u0103re\u0219ti cu aten\u021bie toate implica\u021biile.<\/span><\/p>\n<h2 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><b>Exemple din pia\u021b\u0103 privind refinan\u021barea repetat\u0103<\/b><\/h2>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">B\u0103ncile nu impun, de regul\u0103, o limit\u0103 privind de c\u00e2te ori po\u021bi s\u0103 refinan\u021bezi un credit. Exist\u0103 clien\u021bi care au refinan\u021bat acela\u0219i credit de dou\u0103, trei sau chiar mai multe ori, pe m\u0103sur\u0103 ce au g\u0103sit condi\u021bii mai bune sau au dorit s\u0103 modifice structura ratelor lor. <\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Totu\u0219i, b\u0103ncile analizeaz\u0103 cu aten\u021bie istoricul de credit \u0219i pot refuza o nou\u0103 refinan\u021bare dac\u0103 observ\u0103 c\u0103 ai f\u0103cut acest lucru prea des sau dac\u0103 gradul t\u0103u de \u00eendatorare a crescut prea mult. Este important s\u0103 abordezi cu responsabilitate aceast\u0103 strategie \u0219i s\u0103 nu transformi refinan\u021barea \u00eentr-un obicei nesustenabil.<\/span><\/li>\n<\/ol>\n<h2 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><b>Cum po\u021bi optimiza procesul de refinan\u021bare<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Dac\u0103 vrei s\u0103 profi\u021bi la maximum de c\u00e2te ori po\u021bi s\u0103 refinan\u021bezi un credit, planificarea este esen\u021bial\u0103. <\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Monitorizeaz\u0103 constant ofertele de pe pia\u021b\u0103, calculeaz\u0103 cu aten\u021bie costurile asociate fiec\u0103rei refinan\u021b\u0103ri \u0219i urm\u0103re\u0219te evolu\u021bia dob\u00e2nzilor. <\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u00cenainte s\u0103 semnezi un nou contract de refinan\u021bare, verific\u0103 dac\u0103 nu exist\u0103 comisioane de rambursare anticipat\u0103 la creditul vechi \u0219i \u00eentreab\u0103 banca nou\u0103 despre toate costurile implicate. <\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Compar\u0103 nu doar rata lunar\u0103, ci \u0219i suma total\u0103 de rambursat la finalul perioadei. <\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Pentru creditele ipotecare, ia \u00een calcul taxele notariale \u0219i de evaluare, iar la creditele de nevoi personale, fii atent la eventuale asigur\u0103ri suplimentare sau costuri ascunse.<\/span><\/li>\n<\/ul>\n<h2 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><b>Refinan\u021barea \u0219i scorul de credit<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Un aspect esen\u021bial c\u00e2nd te \u00eentrebi de c\u00e2te ori po\u021bi s\u0103 refinan\u021bezi un credit este impactul asupra scorului t\u0103u de credit. Fiecare cerere de credit este raportat\u0103 la Biroul de Credit, iar prea multe solicit\u0103ri \u00eentr-un timp scurt pot sc\u0103dea scorul. <\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">De aceea, este indicat s\u0103 nu faci refinan\u021b\u0103ri repetate la intervale foarte mici. <\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">A\u0219teapt\u0103 s\u0103 vezi beneficiile reale ale unei refinan\u021b\u0103ri \u00eenainte de a c\u0103uta o alt\u0103 ofert\u0103. <\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Un istoric pozitiv, cu rate pl\u0103tite la timp, va ajuta mereu la aprobarea unei noi refinan\u021b\u0103ri.<\/span><\/li>\n<\/ol>\n<h2 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><b>Refinan\u021barea la aceea\u0219i banc\u0103 sau la alta?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Poate te \u00eentrebi dac\u0103 ai voie s\u0103 refinan\u021bezi acela\u0219i credit la aceea\u0219i banc\u0103 de mai multe ori. R\u0103spunsul este da, multe b\u0103nci permit refinan\u021b\u0103ri succesive, mai ales dac\u0103 ai un istoric bun cu institu\u021bia. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Totu\u0219i, de cele mai multe ori, cele mai bune oferte vin de la concuren\u021b\u0103, care vrea s\u0103 atrag\u0103 clien\u021bi noi. Astfel, de c\u00e2te ori po\u021bi s\u0103 refinan\u021bezi un credit \u021bine mai mult de strategia ta personal\u0103 \u0219i de capacitatea de negociere dec\u00e2t de reguli rigide impuse de b\u0103nci.<\/span><\/p>\n<h2 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><b>Concluzie<\/b><\/h2>\n<p><b>Refinan\u021bare pentru credite ipotecare \u0219i pentru credite de nevoi personale<\/b><\/p>\n<p><span style=\"font-weight: 400;\">C\u00e2nd analizezi de c\u00e2te ori po\u021bi s\u0103 refinan\u021bezi un credit ipotecar versus un credit de nevoi personale, regulile sunt similare. <\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Singurele diferen\u021be apar la costurile implicate: la ipotecare ai nevoie de acte notariale, evaluare nou\u0103 a imobilului \u0219i eventuale asigur\u0103ri suplimentare. <\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">La creditele de nevoi personale este mult mai simplu, iar procesul dureaz\u0103 mai pu\u021bin. \u00cen ambele cazuri, nu exist\u0103 o limit\u0103 legal\u0103 privind num\u0103rul de refinan\u021b\u0103ri, \u00eens\u0103 fiecare nou contract trebuie analizat cu aten\u021bie.<\/span><\/li>\n<\/ul>\n<h2 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><b>\u00centreb\u0103ri frecvente<\/b><\/h2>\n<ul>\n<li><b style=\"font-size: 26px; letter-spacing: -0.39px; background-color: rgba(255, 255, 255, 0);\">Exist\u0103 o limit\u0103 legal\u0103 privind de c\u00e2te ori po\u021bi s\u0103 refinan\u021bezi un credit? <\/b><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Nu exist\u0103 o limitare legal\u0103, dar b\u0103ncile pot refuza cererea dac\u0103 istoricul t\u0103u financiar nu mai corespunde criteriilor lor.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\">\n<h3 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 26; line-height: 1.2;\" data-fontsize=\"26\" data-lineheight=\"31.2px\"><b>Pot refinan\u021ba acela\u0219i credit la aceea\u0219i banc\u0103 de mai multe ori?<\/b><\/h3>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Da, \u00een practic\u0103 po\u021bi face acest lucru at\u00e2t timp c\u00e2t banca accept\u0103 \u0219i profilul t\u0103u financiar este bun.<\/span><\/p>\n<ul>\n<li aria-level=\"1\">\n<h3 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 26; line-height: 1.2;\" data-fontsize=\"26\" data-lineheight=\"31.2px\"><b>C\u00e2t de des este recomandat s\u0103 refinan\u021bezi un credit?<\/b><\/h3>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Ideal este s\u0103 nu faci refinan\u021b\u0103ri repetate la intervale foarte scurte, pentru a nu afecta scorul de credit \u0219i pentru a evita costurile suplimentare.<\/span><\/p>\n<ul>\n<li aria-level=\"1\">\n<h3 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 26; line-height: 1.2;\" data-fontsize=\"26\" data-lineheight=\"31.2px\"><b>Ce costuri pot ap\u0103rea la fiecare refinan\u021bare? <\/b><\/h3>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Po\u021bi avea comisioane de rambursare anticipat\u0103, taxe de analiz\u0103, comisioane notariale sau costuri de evaluare, \u00een func\u021bie de tipul de credit.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\">\n<h3 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 26; line-height: 1.2;\" data-fontsize=\"26\" data-lineheight=\"31.2px\"><b>Cum \u00eemi dau seama dac\u0103 refinan\u021barea repetat\u0103 este avantajoas\u0103?<\/b><\/h3>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Compar\u0103 suma total\u0103 de rambursat, dob\u00e2nda efectiv\u0103 anual\u0103 \u0219i costurile implicate la fiecare refinan\u021bare, nu doar rata lunar\u0103<\/span><\/p>\n<p>&nbsp;<\/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\"> 6<\/span> <span class=\"rt-label rt-postfix\">minute<\/span><\/span><\/p>\n","protected":false},"author":10,"featured_media":4131,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[223],"tags":[],"class_list":["post-4129","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credite-ipotecare"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>De c\u00e2te ori po\u021bi s\u0103 refinan\u021bezi un credit? 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