{"id":4301,"date":"2025-12-07T10:00:44","date_gmt":"2025-12-07T08:00:44","guid":{"rendered":"https:\/\/123credit.ro\/blog\/salariu-pentru-credit-ipotecar-in-2025\/"},"modified":"2026-07-23T17:06:46","modified_gmt":"2026-07-23T14:06:46","slug":"salariu-pentru-credit-ipotecar-in-2026","status":"publish","type":"post","link":"https:\/\/123credit.ro\/blog\/salariu-pentru-credit-ipotecar-in-2026\/","title":{"rendered":"Ce salariu \u00ee\u021bi trebuie pentru un credit ipotecar \u00een 2026"},"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\"> &lt; 1<\/span> <span class=\"rt-label rt-postfix\">minut<\/span><\/span><p>Una dintre cele mai frecvente \u00eentreb\u0103ri pentru cei care vor s\u0103 cumpere o locuin\u021b\u0103 prin credit este: &#8222;Ce salariu trebuie s\u0103 am ca s\u0103 pot lua un credit ipotecar?&#8221;<\/p>\n<p>B\u0103ncile analizeaz\u0103 atent veniturile tale \u00eenainte de a aproba cererea, dar nu exist\u0103 o sum\u0103 fix\u0103 valabil\u0103 pentru to\u021bi.<\/p>\n<h2><strong>Ce conteaz\u0103 pentru banc\u0103?<\/strong><\/h2>\n<p>Institu\u021biile financiare iau \u00een calcul nu doar salariul net lunar, ci \u0219i stabilitatea jobului, vechimea, tipul contractului \u0219i dac\u0103 ai alte surse de venit (chirii, PFA, dividende etc.). \u00cen general, este nevoie de minimum 3 luni vechime la actualul loc de munc\u0103 \u0219i un venit stabil raportat la ANAF.<\/p>\n<p>Gradul maxim de \u00eendatorare permis de BNR este de 40% din venitul net pentru credite ipotecare. Asta \u00eenseamn\u0103 c\u0103, pentru o rat\u0103 lunar\u0103 de 2.000 lei, ar trebui s\u0103 ai un venit de minimum 5.000 lei.<\/p>\n<blockquote class=\"instagram-media\" style=\"background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);\" data-instgrm-captioned=\"\" data-instgrm-permalink=\"https:\/\/www.instagram.com\/reel\/DPbozvrDyZ_\/?utm_source=ig_embed&amp;utm_campaign=loading\" data-instgrm-version=\"14\">\n<div style=\"padding: 16px;\">\n<p>&nbsp;<\/p>\n<div style=\"display: flex; flex-direction: row; align-items: center;\">\n<div style=\"background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;\"><\/div>\n<div style=\"display: flex; flex-direction: column; flex-grow: 1; justify-content: center;\">\n<div style=\"background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;\"><\/div>\n<div style=\"background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;\"><\/div>\n<\/div>\n<\/div>\n<div style=\"padding: 19% 0;\"><\/div>\n<div style=\"display: block; height: 50px; margin: 0 auto 12px; width: 50px;\"><\/div>\n<div style=\"padding-top: 8px;\">\n<div style=\"color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;\">View this post on Instagram<\/div>\n<\/div>\n<div style=\"padding: 12.5% 0;\"><\/div>\n<div style=\"display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;\">\n<div>\n<div style=\"background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);\"><\/div>\n<div style=\"background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;\"><\/div>\n<div style=\"background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);\"><\/div>\n<\/div>\n<div style=\"margin-left: 8px;\">\n<div style=\"background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;\"><\/div>\n<div style=\"width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);\"><\/div>\n<\/div>\n<div style=\"margin-left: auto;\">\n<div style=\"width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);\"><\/div>\n<div style=\"background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);\"><\/div>\n<div style=\"width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);\"><\/div>\n<\/div>\n<\/div>\n<div style=\"display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;\">\n<div style=\"background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;\"><\/div>\n<div style=\"background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;\"><\/div>\n<\/div>\n<p>&nbsp;<\/p>\n<p style=\"color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;\"><a style=\"color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;\" href=\"https:\/\/www.instagram.com\/reel\/DPbozvrDyZ_\/?utm_source=ig_embed&amp;utm_campaign=loading\" target=\"_blank\" rel=\"noopener\">A post shared by 123credit.ro (@123credit.ro)<\/a><\/p>\n<\/div>\n<\/blockquote>\n<p><script async src=\"\/\/www.instagram.com\/embed.js\"><\/script><\/p>\n<h2><strong>Ce po\u021bi face dac\u0103 nu ai venit suficient?<\/strong><\/h2>\n<ul>\n<li>Po\u021bi ad\u0103uga un codebitor (so\u021b, p\u0103rinte etc.)<\/li>\n<li>Po\u021bi aplica \u00eempreun\u0103 cu un code\u021bin\u0103tor al propriet\u0103\u021bii<\/li>\n<li>Po\u021bi reduce suma cerut\u0103 sau alege o perioad\u0103 de rambursare mai lung\u0103<\/li>\n<li>Po\u021bi opta pentru un credit \u00een alt\u0103 valut\u0103, dac\u0103 ai venituri eligibile<\/li>\n<\/ul>\n<p>Afl\u0103 toate detaliile despre venitul minim, actele necesare \u0219i cum s\u0103 cre\u0219ti \u0219ansele de aprobare \u00een articolul complet:<\/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\"> &lt; 1<\/span> <span class=\"rt-label rt-postfix\">minut<\/span><\/span>Una dintre cele mai frecvente \u00eentreb\u0103ri pentru cei care vor s\u0103 cumpere o locuin\u021b\u0103 prin credit este: &#8222;Ce salariu trebuie s\u0103 am ca s\u0103 pot lua un credit ipotecar?&#8221; B\u0103ncile analizeaz\u0103 atent veniturile tale \u00eenainte de a aproba cererea, dar nu exist\u0103 o sum\u0103 fix\u0103 valabil\u0103 pentru to\u021bi. Ce conteaz\u0103 pentru banc\u0103? Institu\u021biile financiare iau \u00een calcul nu doar salariul  [&#8230;]<\/p>\n","protected":false},"author":8,"featured_media":4295,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[223],"tags":[],"class_list":["post-4301","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>Ce salariu \u00ee\u021bi trebuie pentru un credit ipotecar \u00een 2026 - Blogul 123Credit<\/title>\n<meta name=\"description\" content=\"Descoper\u0103 ce venit minim trebuie s\u0103 ai pentru a ob\u021bine un credit ipotecar, cum se calculeaz\u0103 gradul de \u00eendatorare \u0219i ce op\u021biuni ai dac\u0103 nu te \u00eencadrezi.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/123credit.ro\/blog\/salariu-pentru-credit-ipotecar-in-2026\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Ce salariu \u00ee\u021bi trebuie pentru un credit ipotecar \u00een 2026 - 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