{"id":4129,"date":"2025-11-01T09:15:40","date_gmt":"2025-11-01T07:15:40","guid":{"rendered":"https:\/\/123credit.ro\/blog\/?p=4129"},"modified":"2026-10-19T14:48:05","modified_gmt":"2026-10-19T11:48:05","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\"> 7<\/span> <span class=\"rt-label rt-postfix\">minute<\/span><\/span><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 fusion-flex-container nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1144px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-blend:overlay;--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-1\"><p>Legea nu limiteaz\u0103 de c\u00e2te ori po\u021bi refinan\u021ba un credit. Limitele vin de la b\u0103nci, care cer o anumit\u0103 vechime a creditului \u0219i \u00ee\u021bi analizeaz\u0103 din nou veniturile, \u0219i de la costurile fiec\u0103rei refinan\u021b\u0103ri.<\/p>\n<p><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><\/p>\n<p>Mai jos vezi ce costuri apar la fiecare refinan\u021bare, ce condi\u021bii cer b\u0103ncile \u0219i c\u00e2nd merit\u0103 s\u0103 refinan\u021bezi din nou.<\/p>\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 un credit de nevoi personale sau de un credit ipotecar. 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>Legea nu stabile\u0219te o limit\u0103 pentru num\u0103rul de refinan\u021b\u0103ri, deci limitele sunt practice.<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\">Fiecare banc\u0103 \u00ee\u0219i stabile\u0219te condi\u021biile. Creditul pe care vrei s\u0103 \u00eel refinan\u021bezi trebuie s\u0103 aib\u0103, de regul\u0103, o vechime de 6\u201312 luni, iar unele oferte de refinan\u021bare cer ca m\u0103car un credit refinan\u021bat s\u0103 fie de la alt\u0103 banc\u0103.<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">La fiecare refinan\u021bare semnezi un credit nou, a\u0219a c\u0103 banca \u00ee\u021bi analizeaz\u0103 din nou veniturile, gradul de \u00eendatorare \u0219i istoricul de credit.<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">Refinan\u021b\u0103rile succesive pot fi avantajoase dac\u0103 dob\u00e2nzile scad, dar pot cre\u0219te costul total al creditului dac\u0103 nu compari atent fiecare ofert\u0103.<\/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\">La un credit de nevoi personale, banca poate percepe comision de rambursare anticipat\u0103 doar dac\u0103 dob\u00e2nda este fix\u0103 \u00een perioada respectiv\u0103, iar comisionul nu poate dep\u0103\u0219i 1% din suma rambursat\u0103 anticipat (0,5% dac\u0103 mai sunt cel mult 12 luni p\u00e2n\u0103 la sf\u00e2r\u0219itul contractului).<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">La un credit ipotecar acordat dup\u0103 30 septembrie 2016, <a href=\"https:\/\/legislatie.just.ro\/Public\/DetaliiDocument\/212090\">banca nu are voie<\/a> s\u0103 perceap\u0103 penaliz\u0103ri sau comision pentru rambursarea anticipat\u0103 \u0219i nici costuri pentru documentul necesar refinan\u021b\u0103rii. La creditele mai vechi, comisionul depinde de contract.<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">Costurile apar la noul credit, prin comisionul de analiz\u0103, evaluarea imobilului \u0219i taxele notariale pentru noua ipotec\u0103.<\/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. Nu face refinan\u021b\u0103ri succesive doar pentru a ob\u021bine bani \u00een plus, ci c\u00e2nt\u0103re\u0219te cu aten\u021bie toate implica\u021biile.<\/span><\/p>\n<blockquote class=\"tiktok-embed\" style=\"max-width: 605px; min-width: 325px;\" cite=\"https:\/\/www.tiktok.com\/@123credit.ro\/video\/7542490110365814038\" data-video-id=\"7542490110365814038\">\n<section><a title=\"@123credit.ro\" href=\"https:\/\/www.tiktok.com\/@123credit.ro?refer=embed\" target=\"_blank\" rel=\"noopener\">@123credit.ro<\/a>Un singur credit, o rat\u0103 mai mic\u0103, mai mult\u0103 lini\u0219te. Marian \u0219tie deja cum e. \ud83d\udca1 #123Credit #Credit #Educa\u021bieFinanciar\u0103 #Refinan\u021bare #fyp<a title=\"\u266c Chill Vibes - Tollan Kim\" href=\"https:\/\/www.tiktok.com\/music\/Chill-Vibes-7084465663108089857?refer=embed\" target=\"_blank\" rel=\"noopener\">\u266c Chill Vibes &#8211; Tollan Kim<\/a><\/p>\n<\/section>\n<\/blockquote>\n<p><script async src=\"https:\/\/www.tiktok.com\/embed.js\"><\/script><\/p>\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. Scorul FICO \u021bine cont de interog\u0103rile \u0219i de creditele noi din ultimele 6 luni, a\u0219a c\u0103 mai multe cereri \u00eentr-un timp scurt \u00eel pot sc\u0103dea.<\/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. Po\u021bi r\u0103m\u00e2ne la aceea\u0219i banc\u0103 dac\u0103 \u00ee\u021bi ofer\u0103 condi\u021bii mai bune. Unele oferte de refinan\u021bare cer \u00eens\u0103 ca m\u0103car un credit refinan\u021bat s\u0103 fie de la alt\u0103 banc\u0103, a\u0219a c\u0103 verific\u0103 condi\u021biile fiec\u0103rei oferte. Mai multe detalii g\u0103se\u0219ti \u00een articolul despre <a href=\"https:\/\/123credit.ro\/blog\/refinanare-credit-la-aceeasi-banca\/\" target=\"_blank\" rel=\"noopener noreferrer\">refinan\u021barea unui credit la aceea\u0219i banc\u0103<\/a>.<\/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><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 de baz\u0103 sunt acelea\u0219i, dar costurile difer\u0103. La un credit ipotecar pl\u0103te\u0219ti evaluarea imobilului \u0219i costurile notariale pentru noua ipotec\u0103, iar comisionul de rambursare anticipat\u0103 nu se percepe la creditele acordate dup\u0103 30 septembrie 2016.<\/span><\/p>\n<p>La un credit de nevoi personale procesul e mai simplu \u0219i mai rapid, dar banca poate percepe un comision de rambursare anticipat\u0103, de cel mult 1% sau 0,5%, dac\u0103 dob\u00e2nda este fix\u0103.<\/p>\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<h3><strong>1. Exist\u0103 o limit\u0103 legal\u0103 privind de c\u00e2te ori po\u021bi s\u0103 refinan\u021bezi un credit?<\/strong><\/h3>\n<p>Legea nu stabile\u0219te o limit\u0103 pentru num\u0103rul de refinan\u021b\u0103ri. Banca poate refuza cererea dac\u0103 nu \u00eendepline\u0219ti condi\u021biile ei, de exemplu vechimea minim\u0103 a creditului sau gradul de \u00eendatorare.<\/p>\n<h3 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 26; line-height: 1.2;\" data-fontsize=\"26\" data-lineheight=\"31.2px\"><b>2. La c\u00e2t timp po\u021bi face refinan\u021bare?<\/b><\/h3>\n<p>Legea \u00ee\u021bi permite s\u0103 rambursezi anticipat un credit \u00een orice moment, f\u0103r\u0103 ca dreptul t\u0103u s\u0103 poat\u0103 fi condi\u021bionat de un num\u0103r minim de rate. Termenul de a\u0219teptare vine de la banca nou\u0103, care cere, de regul\u0103, o vechime de 6\u201312 luni a creditului ipotecar pe care vrei s\u0103 \u00eel refinan\u021bezi. \u00centre dou\u0103 refinan\u021b\u0103ri \u021bine cont \u0219i de scor, pentru c\u0103 interog\u0103rile \u0219i creditele noi din ultimele 6 luni intr\u0103 \u00een calculul lui, iar refinan\u021b\u0103rile repetate la intervale foarte scurte \u00eel pot sc\u0103dea.<\/p>\n<h3 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 26; line-height: 1.2;\" data-fontsize=\"26\" data-lineheight=\"31.2px\"><b>3. C\u00e2t de des este recomandat s\u0103 refinan\u021bezi un credit?<\/b><\/h3>\n<p>Ideal este s\u0103 nu faci refinan\u021b\u0103ri repetate la intervale foarte scurte, pentru c\u0103 scorul de credit \u021bine cont de interog\u0103rile din ultimele 6 luni \u0219i fiecare refinan\u021bare are costuri.<\/p>\n<h3 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 26; line-height: 1.2;\" data-fontsize=\"26\" data-lineheight=\"31.2px\"><b>4. Ce costuri pot ap\u0103rea la fiecare refinan\u021bare? <\/b><\/h3>\n<p>La un credit de nevoi personale po\u021bi avea comision de rambursare anticipat\u0103, de cel mult 1%, dac\u0103 dob\u00e2nda este fix\u0103. La un credit ipotecar acordat dup\u0103 30 septembrie 2016 nu se percepe comision de rambursare anticipat\u0103, dar pl\u0103te\u0219ti evaluarea imobilului \u0219i costurile notariale pentru noua ipotec\u0103.<\/p>\n<h3 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 26; line-height: 1.2;\" data-fontsize=\"26\" data-lineheight=\"31.2px\"><b>5. Cum \u00eemi dau seama dac\u0103 refinan\u021barea repetat\u0103 este avantajoas\u0103?<\/b><\/h3>\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<h3><strong>6. Pot refinan\u021ba un credit la o alt\u0103 banc\u0103?<\/strong><\/h3>\n<p>Po\u021bi, iar varianta se nume\u0219te refinan\u021bare extern\u0103. Banca nou\u0103 \u00ee\u021bi analizeaz\u0103 din nou veniturile \u0219i istoricul de credit \u0219i poate acoperi costurile de transfer sau comisionul de rambursare anticipat\u0103 de la creditul vechi. Unele oferte cer chiar ca m\u0103car un credit refinan\u021bat s\u0103 fie de la alt\u0103 banc\u0103.<\/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\"> 7<\/span> <span class=\"rt-label rt-postfix\">minute<\/span><\/span><\/p>\n","protected":false},"author":15,"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 v28.6 - 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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