{"id":454,"date":"2022-09-16T12:49:55","date_gmt":"2022-09-16T09:49:55","guid":{"rendered":"https:\/\/123credit.ro\/blog\/?p=454"},"modified":"2024-08-07T09:48:17","modified_gmt":"2024-08-07T06:48:17","slug":"ce-este-dae-si-ce-rol-are-in-alegerea-unui-credit","status":"publish","type":"post","link":"https:\/\/123credit.ro\/blog\/ce-este-dae-si-ce-rol-are-in-alegerea-unui-credit\/","title":{"rendered":"Ce este DAE \u0219i ce rol are \u00een alegerea unui credit?"},"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\"> 11<\/span> <span class=\"rt-label rt-postfix\">minute<\/span><\/span><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 fusion-flex-container nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1144px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_2_5 2_5 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:40%;--awb-margin-top-large:0px;--awb-spacing-right-large:4.8%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:4.8%;--awb-width-medium:40%;--awb-order-medium:0;--awb-spacing-right-medium:4.8%;--awb-spacing-left-medium:4.8%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-image-element\" style=\"--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><span class=\" fusion-imageframe imageframe-none imageframe-1 hover-type-none\"><img decoding=\"async\" width=\"940\" height=\"788\" title=\"Propuneri vizualuri Blog (10)\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2022\/09\/Propuneri-vizualuri-Blog-10.png\" alt class=\"img-responsive wp-image-655\" srcset=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2022\/09\/Propuneri-vizualuri-Blog-10-200x168.png 200w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2022\/09\/Propuneri-vizualuri-Blog-10-400x335.png 400w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2022\/09\/Propuneri-vizualuri-Blog-10-600x503.png 600w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2022\/09\/Propuneri-vizualuri-Blog-10-800x671.png 800w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2022\/09\/Propuneri-vizualuri-Blog-10.png 940w\" sizes=\"(max-width: 640px) 100vw, 600px\" \/><\/span><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-1 fusion_builder_column_3_5 3_5 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:60%;--awb-margin-top-large:0px;--awb-spacing-right-large:3.2%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:3.2%;--awb-width-medium:60%;--awb-order-medium:0;--awb-spacing-right-medium:3.2%;--awb-spacing-left-medium:3.2%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-1\"><p>Gata, te-ai decis! Aplici pentru un credit ca s\u0103-\u021bi cumperi <a style=\"color: var(--awb-color4);\" href=\"https:\/\/123credit.ro\/credit-casa\" target=\"_blank\" rel=\"noopener noreferrer\">casa<\/a> <img decoding=\"async\" class=\"emoji\" role=\"img\" draggable=\"false\" src=\"https:\/\/s.w.org\/images\/core\/emoji\/14.0.0\/svg\/1f3e1.svg\" alt=\"????\" \/> sau <a style=\"color: var(--awb-color4);\" href=\"https:\/\/123credit.ro\/credit-auto\" target=\"_blank\" rel=\"noopener noreferrer\">ma\u0219ina<\/a> <img decoding=\"async\" class=\"emoji\" role=\"img\" draggable=\"false\" src=\"https:\/\/s.w.org\/images\/core\/emoji\/14.0.0\/svg\/1f697.svg\" alt=\"????\" \/> pe care \u021bi-ai dorit-o de at\u00e2ta timp <img decoding=\"async\" class=\"emoji\" role=\"img\" draggable=\"false\" src=\"https:\/\/s.w.org\/images\/core\/emoji\/14.0.0\/svg\/1f49a.svg\" alt=\"????\" \/>. Ajungi \u00een punctul \u00een care compari ofertele mai multor institu\u021bii bancare din Rom\u00e2nia \u0219i unul dintre aspectele pe care le iei \u00een calcul atunci c\u00e2nd alegi oferta cea mai bun\u0103 este <b>Dob\u00e2nda Anual\u0103 Efectiv\u0103<\/b> a.k.a \u201cDAE\u201d. Dar ce este DAE \u0219i ce rol are \u00een alegerea creditului?<\/p>\n<p>Ca majoritatea oamenilor, \u00eenainte s\u0103 achizi\u021bionezi un anumit produs, \u00ee\u021bi place s\u0103 compari <img decoding=\"async\" class=\"emoji\" role=\"img\" draggable=\"false\" src=\"https:\/\/s.w.org\/images\/core\/emoji\/14.0.0\/svg\/1f9d0.svg\" alt=\"????\" \/>pre\u021bul acestuia cu celelalte oferte existente \u00een pia\u021b\u0103, nu-i a\u0219a?<\/p>\n<p>P\u00e2n\u0103 la urm\u0103, numai a\u0219a vei putea s\u0103 \u0219tii dac\u0103 faci sau nu <a href=\"https:\/\/123credit.ro\/blog\/majorarea-dobanzilor-este-un-moment-bun-sa-cumpar-o-casa\/\" target=\"_blank\" rel=\"noopener noreferrer\">alegerea cea mai potrivit\u0103<\/a> <img decoding=\"async\" class=\"emoji\" role=\"img\" draggable=\"false\" src=\"https:\/\/s.w.org\/images\/core\/emoji\/14.0.0\/svg\/2696.svg\" alt=\"\u2696\ufe0f\" \/> pentru tine.<\/p>\n<p>Vrei s\u0103 cumperi un televizor sau fier de c\u0103lcat? Lucrurile sunt destul de simple \u2013 te ui\u021bi la func\u021bionalit\u0103\u021bile care conteaz\u0103 pentru tine, compari pre\u021burile din magazine \u0219i cumperi produsul.<img decoding=\"async\" class=\"emoji\" role=\"img\" draggable=\"false\" src=\"https:\/\/s.w.org\/images\/core\/emoji\/14.0.0\/svg\/2714.svg\" alt=\"\u2714\ufe0f\" \/><\/p>\n<p>\u00cens\u0103, atunci c\u00e2nd ne g\u00e2ndim la credite, situa\u021bia se schimb\u0103 pu\u021bin, motiv pentru care compararea ofertelor poate p\u0103rea pu\u021bin complicat\u0103. <span style=\"background-color: rgba(255, 255, 255, 0); color: var(--body_typography-color); font-family: var(--body_typography-font-family); font-size: var(--body_typography-font-size); font-style: var(--body_typography-font-style,normal); font-weight: var(--body_typography-font-weight); letter-spacing: var(--body_typography-letter-spacing);\">Din fericire, tocmai \u00een acest scop a fost \u201cinventat\u201d DAE &#8211; dob\u00e2nda anual\u0103 efectiv\u0103.<\/span><\/p>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-2 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-blend:overlay;--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-2\"><p>Dar p\u00e2n\u0103 s\u0103 afl\u0103m exact ce este DAE si ce rol are, haide mai \u00eent\u00e2i s\u0103 vedem ce este <b>dob\u00e2nda,<\/b> s\u0103 \u00eencepem cu \u00eenceputul.<img decoding=\"async\" class=\"emoji\" role=\"img\" draggable=\"false\" src=\"https:\/\/s.w.org\/images\/core\/emoji\/14.0.0\/svg\/1f44c.svg\" alt=\"????\" \/><\/p>\n<p><b style=\"color: var(--awb-color4); font-size: 20px;\" data-fusion-font=\"true\"><img decoding=\"async\" class=\"emoji\" role=\"img\" draggable=\"false\" src=\"https:\/\/s.w.org\/images\/core\/emoji\/14.0.0\/svg\/1f4cc.svg\" alt=\"????\" \/> Ce este dob\u00e2nda bancar\u0103?<\/b><\/p>\n<p>Dob\u00e2nda reprezint\u0103 acel cost pe care \u00eel pl\u0103te\u0219ti b\u0103ncii atunci c\u00e2nd iei un credit sau c\u00e2\u0219tigul pe care \u00eel ob\u021bii dac\u0103 alegi s\u0103 \u00ee\u021bi \u021bii economiile \u00eentr-un depozit la banc\u0103. Cu alte cuvinte, atunci c\u00e2nd \u00eemprumu\u021bi bani de la o banc\u0103, pl\u0103te\u0219ti dob\u00e2nda, iar c\u00e2nd \u00ee\u021bi \u021bii banii \u00een banc\u0103, prime\u0219ti dob\u00e2nda.<\/p>\n<p><img decoding=\"async\" class=\"emoji\" role=\"img\" draggable=\"false\" src=\"https:\/\/s.w.org\/images\/core\/emoji\/14.0.0\/svg\/27a1.svg\" alt=\"\u27a1\ufe0f\" \/> <b>Spre exemplu<\/b>, atunci c\u00e2nd apelezi la o institu\u021bie financiar\u0103 pentru a ob\u021bine un credit, pe l\u00e2ng\u0103 banii \u00eemprumuta\u021bi vei returna finan\u021batorului \u0219i o sum\u0103 suplimentar\u0103, care \u00een principal se traduce prin dob\u00e2nd\u0103, acest cost suplimentar remuner\u00e2nd eforturile de analiz\u0103, acordare, administrare \u0219i risc de finan\u021bare a \u00eemprumutului, al\u0103turi de marja de profit a creditorului.<\/p>\n<p>Av\u00e2nd \u00een vedere c\u0103 unul dintre criteriile de care \u021bii cont atunci c\u00e2nd <img decoding=\"async\" class=\"emoji\" role=\"img\" draggable=\"false\" src=\"https:\/\/s.w.org\/images\/core\/emoji\/14.0.0\/svg\/2696.svg\" alt=\"\u2696\ufe0f\" \/> alegi cea mai avantajoas\u0103 ofert\u0103 de credit este DOB\u00c2NDA, atunci este important s\u0103 fii informat \u0219i cu privire la <b>tipurile de dob\u00e2nzi existente.<\/b><\/p>\n<p><b style=\"color: #141617; font-size: 19px;\" data-fusion-font=\"true\"><img decoding=\"async\" class=\"emoji\" role=\"img\" draggable=\"false\" src=\"https:\/\/s.w.org\/images\/core\/emoji\/14.0.0\/svg\/1f4cc.svg\" alt=\"????\" \/> <span style=\"color: var(--awb-color4);\">C\u00e2te tipuri de dob\u00e2nd\u0103 exist\u0103?<\/span><\/b><\/p>\n<p><img decoding=\"async\" class=\"emoji\" role=\"img\" draggable=\"false\" src=\"https:\/\/s.w.org\/images\/core\/emoji\/14.0.0\/svg\/1f534.svg\" alt=\"????\" \/> <b>Dob\u00e2nda FIX\u0102 <\/b> &#8211; presupune c\u0103 titularul creditului va pl\u0103ti \u00een fiecare lun\u0103 aceea\u0219i sum\u0103 pentru achitarea creditului. Dob\u00e2nda fix\u0103 se stabile\u0219te \u00een momentul semn\u0103rii contractului de credit \u0219i nu va mai fi modificat\u0103. Nu toate b\u0103ncile \u00ee\u021bi permit s\u0103 pl\u0103te\u0219ti o dob\u00e2nd\u0103 fix\u0103 pentru \u00eentreaga perioad\u0103 de creditare ci doar pentru primii 3, 5, 8 sau 10 ani \u00eens\u0103 acest lucru \u00eel po\u021bi verifica \u0219i \u00een <b>comparatorul 123credit.ro.<\/b> Trebuie doar s\u0103 filtrezi dup\u0103 tipul de dob\u00e2nd\u0103 \u0219i s\u0103 adaugi ofertele dorite \u00een comparator.<\/p>\n<\/div><div class=\"fusion-image-element\" style=\"--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><span class=\" fusion-imageframe imageframe-dropshadow imageframe-2 hover-type-none\" style=\"-webkit-box-shadow: 3px 3px 7px var(--awb-color7);box-shadow: 3px 3px 7px var(--awb-color7);\"><img decoding=\"async\" width=\"600\" height=\"438\" title=\"comparator dobanzi fixe\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2022\/09\/comparator-dobanzi-fixe-600x438.png\" alt class=\"img-responsive wp-image-460\" srcset=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2022\/09\/comparator-dobanzi-fixe-200x146.png 200w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2022\/09\/comparator-dobanzi-fixe-400x292.png 400w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2022\/09\/comparator-dobanzi-fixe-600x438.png 600w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2022\/09\/comparator-dobanzi-fixe-800x583.png 800w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2022\/09\/comparator-dobanzi-fixe.png 986w\" sizes=\"(max-width: 640px) 100vw, 600px\" \/><\/span><\/div><div class=\"fusion-text fusion-text-3\"><p><b>\u00a0<\/b><\/p>\n<p><b><img decoding=\"async\" class=\"emoji\" role=\"img\" draggable=\"false\" src=\"https:\/\/s.w.org\/images\/core\/emoji\/14.0.0\/svg\/1f7e1.svg\" alt=\"????\" \/> Dob\u00e2nda VARIABIL\u0102 <\/b><span style=\"font-weight: 400;\">&#8211; este compus\u0103 din <\/span><b>marja b\u0103ncii<\/b> <i><span style=\"font-weight: 400;\">(acea parte component\u0103 a dob\u00e2nzii creditelor care se stabile\u0219te ca un procent fix pe toat\u0103 perioada contractului)<\/span><\/i> <b>plus indicele de referin\u021b\u0103<\/b><span style=\"font-weight: 400;\"> (IRCC, ROBOR sau EURIBOR). Ea poate s\u0103 sufere modific\u0103ri pe perioada contractului de credit \u00een func\u021bie de evolu\u021bia indicilor de referin\u021b\u0103: <\/span><\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">ROBOR (Romanian Interbank Offered Rate) care se aplic\u0103 creditelor \u00een lei acordate persoanelor fizice p\u00e2n\u0103 \u00een data de 2 mai 2019<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">IRCC (Indicele de Referin\u021b\u0103 pentru Creditele Consumatorilor) care se aplic\u0103 tuturor creditelor \u00een lei acordare consumatorilor \u00eencep\u00e2nd cu 2 mai 2019<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">EURIBOR (European Interbank Offered Rate) care se aplic\u0103 tuturor creditelor \u00een euro<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><img decoding=\"async\" class=\"emoji\" role=\"img\" draggable=\"false\" src=\"https:\/\/s.w.org\/images\/core\/emoji\/14.0.0\/svg\/1f7e0.svg\" alt=\"????\" \/> <b>Dob\u00e2nda mixt\u0103 <\/b>(aplicata creditelor ipotecare) &#8211; \u00een prima parte a creditului, de regul\u0103 pe perioade medii de 5 ani, va fi fix\u0103, iar dup\u0103 perioada de dob\u00e2nda fix\u0103 urm\u00e2nd s\u0103 fie variabil\u0103<\/p>\n<p>\u0218i ajungem \u0219i la <b>DAE &#8211; Dob\u00e2nda Anual\u0103 Efectiv\u0103<\/b>. Am explicat mai sus ce este dob\u00e2nda, \u00een\u021belegem ce \u00eenseamn\u0103 &#8222;anual&#8221;, dar, cum adic\u0103 &#8211; \u201eefectiv\u0103\u201d? Prin efectiv\u0103, \u00een cazul acesta, vom \u00een\u021belege TOTAL\u0102 &#8211; toate sumele datorate b\u0103ncii pe l\u00e2ng\u0103 rambursarea sumei \u00eemprumutate.<\/p>\n<p><img decoding=\"async\" class=\"emoji\" role=\"img\" draggable=\"false\" src=\"https:\/\/s.w.org\/images\/core\/emoji\/14.0.0\/svg\/1f4a1.svg\" alt=\"????\" \/> \u00cen <i><span style=\"color: var(--awb-custom_color_1);\"><u><a href=\"https:\/\/legislatie.just.ro\/Public\/DetaliiDocument\/119472\" target=\"_blank\" rel=\"noopener noreferrer\"><b>OUG 50\/2010, la art. 72<\/b><\/a><\/u><\/span>,<\/i> legiuitorul afirm\u0103 c\u0103 DAE <i>\u201eeste egal\u0103, pe o perioad\u0103 de un an, cu valoarea actual\u0103 a tuturor angajamentelor, trageri, ramburs\u0103ri \u0219i costuri, prezente sau viitoare, convenite de creditor \u0219i de consumator\u201d.<\/i><\/p>\n<p>Practic, DAE reprezint\u0103 <b>costul total de rambursare a unui credit (inclusiv dob\u00e2nzi, comisioane, taxe),<\/b> exprimat in procent anual.<\/p>\n<\/div><div class=\"fusion-text fusion-text-4\"><p><b style=\"color: var(--awb-color4); font-size: 19px;\" data-fusion-font=\"true\">???? C\u00e2nd se calculeaz\u0103 Dob\u00e2nda Anual\u0103 Efectiv\u0103?<\/b><\/p>\n<p>Potrivit legisla\u021biei \u00een vigoare, orice institu\u021bie financiar-bancar\u0103, fie ea banc\u0103 sau IFN, trebuie s\u0103 calculeze \u0219i s\u0103 comunice valoarea DAE <b>\u00eenainte de acordare<\/b>, pentru orice tip de credit.<\/p>\n<p>De la credite imobiliare sau ipotecare, de <a href=\"https:\/\/123credit.ro\/refinantari\" target=\"_blank\" rel=\"noopener noreferrer\">refinan\u021bare <\/a>\u0219i p\u00e2n\u0103 la credite de nevoi personale, institu\u021biile financiare trebuie s\u0103 prezinte distinct nivelul DAE al creditului respectiv.<\/p>\n<\/div><div class=\"fusion-text fusion-text-5\"><p><b style=\"font-size: 19px; color: var(--awb-color4);\" data-fusion-font=\"true\">???? Ce costuri sunt incluse \u00een DAE?<\/b><\/p>\n<p>Fiecare ofert\u0103 de credit este diferit\u0103<b>,<\/b><span style=\"font-weight: 400;\"> o banc\u0103 poate avea <\/span><b>mai multe varia\u021bii de oferte<\/b><span style=\"font-weight: 400;\"> pentru un credit de nevoi personale \u0219i la fel de multe varia\u021bii pentru un credit ipotecar. \u00cen func\u021bie de <\/span>produsul de creditare, <b>banca define\u0219te tipurile de costuri<\/b><span style=\"font-weight: 400;\"> care se vor aplica la acel produs. Din aceast\u0103 list\u0103 de costuri banca le va alege pe cele care depind de ea \u0219i pe care le poate estima. Aceste costuri vor fi incluse \u0219i \u00een calculul DAE. Restul costurilor care nu depind neap\u0103rat doar de banc\u0103 sau cele pe care banca nu consider\u0103 c\u0103 le poate estima, ele nu vor fi incluse \u00een calculul DAE.<\/span><\/p>\n<p><b style=\"font-size: 19px; color: var(--awb-color4);\" data-fusion-font=\"true\"> <\/b><b style=\"background-color: rgba(255, 255, 255, 0); color: var(--body_typography-color); font-family: var(--body_typography-font-family); font-size: var(--body_typography-font-size); font-style: var(--body_typography-font-style,normal); letter-spacing: var(--body_typography-letter-spacing);\">Asadar, calculul DAE trebuie s\u0103 includ\u0103<\/b> <span style=\"background-color: rgba(255, 255, 255, 0); color: var(--body_typography-color); font-family: var(--body_typography-font-family); font-size: var(--body_typography-font-size); font-style: var(--body_typography-font-style,normal); letter-spacing: var(--body_typography-letter-spacing);\">toate costurile asociate unui credit, care \u00eei sunt cunoscute institu\u021biei de credit la momentul formul\u0103rii ofertei de creditare \u0219i pe care, aceasta le poate estima pe perioada contractului. Aceste<\/span><b style=\"background-color: rgba(255, 255, 255, 0); color: var(--body_typography-color); font-family: var(--body_typography-font-family); font-size: var(--body_typography-font-size); font-style: var(--body_typography-font-style,normal); letter-spacing: var(--body_typography-letter-spacing);\"> costuri obligatorii<\/b><span style=\"background-color: rgba(255, 255, 255, 0); color: var(--body_typography-color); font-family: var(--body_typography-font-family); font-size: var(--body_typography-font-size); font-style: var(--body_typography-font-style,normal); letter-spacing: var(--body_typography-letter-spacing);\"> de inclus \u00een calculul DAE sunt:<\/span><b style=\"background-color: rgba(255, 255, 255, 0); font-family: var(--body_typography-font-family); font-style: var(--body_typography-font-style,normal); letter-spacing: var(--body_typography-letter-spacing); font-size: 19px; color: var(--awb-color4);\" data-fusion-font=\"true\"> <\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Rata dob\u00e2nzii<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Taxa de analiz\u0103 a dosarului<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Costul de interogare la Biroul de Credit<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Comisionul de administrare a contului curent asociat creditului<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Comisionul de administrare lunar\u0103 sau anual\u0103<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Asigurarea de via\u021b\u0103 \u0219i\/ sau de \u0219omaj <\/span><i><span style=\"font-weight: 400;\">(daca produsul de creditare necesita)<\/span><\/i><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Exist\u0103 apoi c\u00e2teva costuri pe care<\/span><b> finan\u021batorul nu este obligat s\u0103 le includ\u0103 \u00een calculul DAE, de\u0219i acestea se pot aplica <\/b><span style=\"font-weight: 400;\">\u0219i vor fi achitate de tine pe perioada contractului de credit, precum:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Comisionul datorat \u00een caz de <\/span><b>rambursare anticipat\u0103<\/b><span style=\"font-weight: 400;\"> pentru <\/span><b>creditele de nevoi <\/b><span style=\"font-weight: 400;\">personale cu dob\u00e2nd\u0103 fix\u0103 <\/span><span style=\"font-weight: 400;\"><i>(noua legisla\u021bie privind gradul de \u00eendatorare interzice aplicarea de astfel de taxe pentru creditele ipotecare)<\/i><\/span><\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><b>Evaluarea unui imobil,<\/b><span style=\"font-weight: 400;\"> \u00een cazul unui credit ipotecar<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><b>Taxa <\/b><span style=\"font-weight: 400;\">de inregistrare, prelungire si radiere a gajurilor pe cont in<\/span><b> RNPM <\/b><span style=\"font-weight: 400;\">(Registrul National de Publicitate Mobiliara) <\/span><\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><b>Asigurarea<\/b><span style=\"font-weight: 400;\"> bunului ipotecat<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><b>Taxele notariale<\/b><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Ca s\u0103 te asiguri c\u0103 vei \u201ccompara mere cu mere\u201d, atunci c\u00e2nd compari \u00een func\u021bie de DAE, fii atent la costurile pe care b\u0103ncile le-au detaliat \u00een calculul DAE \u0219i asigur\u0103-te c\u0103 sunt acelea\u0219i tipuri de costuri<\/span><span style=\"background-color: rgba(255, 255, 255, 0); color: var(--body_typography-color); font-family: var(--body_typography-font-family); font-size: var(--body_typography-font-size); font-style: var(--body_typography-font-style,normal); letter-spacing: var(--body_typography-letter-spacing);\"> \u00een cazul tuturor ofertelor pe care le compari. \u00cen cazul \u00een care compari 2 oferte care nu au acelea\u0219i tipuri de costuri incluse in calculul DAE, compara\u021bia nu va fi relevant\u0103.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00cen momentul \u00een care introduci cel pu\u021bin 2 oferte \u00een comparatorul <\/span><b><i><span style=\"color: var(--awb-custom_color_1);\"><u><a href=\"https:\/\/123credit.ro\/\" target=\"_blank\" rel=\"noopener noreferrer\">123credit.ro<\/a><\/u><\/span>,<\/i><\/b><span style=\"font-weight: 400;\"> pe l\u00e2ng\u0103 valoarea DAE, vei g\u0103si detaliate \u0219i costurile care sunt incluse de finan\u021bator \u00een calculul DAE, astfel \u00eenc\u00e2t s\u0103 po\u021bi compara corect.<\/span><\/p>\n<\/div><div class=\"fusion-text fusion-text-6\"><p><b style=\"font-size: 19px; color: var(--awb-color4);\" data-fusion-font=\"true\">???? De ce \u021bin cont c\u00e2nd am de ales \u00eentre mai multe valori ale DAE?<\/b><\/p>\n<p><span style=\"font-weight: 400;\">De cele mai multe ori, dac\u0103 vrei s\u0103 alegi un \u00eemprumut cu costuri mai mici, va trebui s\u0103 alegi o variant\u0103 care s\u0103 vin\u0103 cu o <\/span><b>Dob\u00e2nd\u0103 Anual\u0103 Efectiv\u0103 mai mic\u0103.<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Dar, din nou, atunci c\u00e2nd compari oferte de credit, asigur\u0103-te c\u0103 o s\u0103 compari mere cu mere. <\/span><\/p>\n<p><span style=\"font-weight: 400;\"><img decoding=\"async\" class=\"emoji\" role=\"img\" draggable=\"false\" src=\"https:\/\/s.w.org\/images\/core\/emoji\/14.0.0\/svg\/1f4a1.svg\" alt=\"????\" \/>Adic\u0103, atunci c\u00e2nd compari dou\u0103 sau mai multe oferte de credit, asigur\u0103-te c\u0103 \u00een calculul formulei DAE, to\u021bi finan\u021batorii au inclus acelea\u0219i costuri. Altfel compara\u021bia va fi aproximativ\u0103, nu una exact\u0103.<\/span><\/p>\n<p><b>Valoarea DAE este influen\u021bat\u0103 de TIMP<\/b><span style=\"font-weight: 400;\">, mai precis de perioada de rambursare a creditului.<\/span><\/p>\n<p><span style=\"background-color: rgba(255, 255, 255, 0); color: var(--body_typography-color); font-family: var(--body_typography-font-family); font-size: var(--body_typography-font-size); font-style: var(--body_typography-font-style,normal); font-weight: var(--body_typography-font-weight); letter-spacing: var(--body_typography-letter-spacing);\"><img decoding=\"async\" class=\"emoji\" role=\"img\" draggable=\"false\" src=\"https:\/\/s.w.org\/images\/core\/emoji\/14.0.0\/svg\/27a1.svg\" alt=\"\u27a1\ufe0f\" \/> <\/span><b>Spre exemplu<\/b><span style=\"font-weight: 400;\">, pentru un credit de consum de 50,000 de lei, valoarea DAE va fi procentual mai mic\u0103 dac\u0103 perioada de rambursare va fi de 5 ani, fa\u021b\u0103 de situa\u021bia \u00een care vom \u00eemprumuta aceea\u0219i sum\u0103 pe 3 ani. Asta pentru c\u0103 acele costuri cu valori fixe, indiferent de suma creditului (ex. comision de analiza, tax\u0103 de interogare birou de credit) se vor \u00eemp\u0103r\u021bi pe o perioad\u0103 mai mic\u0103 de timp.<\/span><\/p>\n<p><span style=\"font-weight: 400;\"><img decoding=\"async\" class=\"emoji\" role=\"img\" draggable=\"false\" src=\"https:\/\/s.w.org\/images\/core\/emoji\/14.0.0\/svg\/2757.svg\" alt=\"\u2757\" \/>Cum DAE reprezint\u0103 costul total al creditului exprimat \u00een procente anuale, <\/span><b>o valoare DAE mai mare, pe o perioad\u0103 mai scurt\u0103 de timp, nu \u00eenseamn\u0103 un cost mai mare al creditului, ba din contra. <\/b><\/p>\n<p><span style=\"background-color: rgba(255, 255, 255, 0); color: var(--body_typography-color); font-family: var(--body_typography-font-family); font-size: var(--body_typography-font-size); font-style: var(--body_typography-font-style,normal); font-weight: var(--body_typography-font-weight); letter-spacing: var(--body_typography-letter-spacing);\"><img decoding=\"async\" class=\"emoji\" role=\"img\" draggable=\"false\" src=\"https:\/\/s.w.org\/images\/core\/emoji\/14.0.0\/svg\/27a1.svg\" alt=\"\u27a1\ufe0f\" \/> <\/span><span style=\"font-weight: 400;\">S\u0103 lu\u0103m acela\u0219i <\/span><b>exemplu<\/b><span style=\"font-weight: 400;\"> al unui credit \u00een valoare de 50.000 de lei. O banc\u0103 comercial\u0103 ne va acorda creditul pe 5 ani cu o valoare a DAE de 10.28%, iar pe 3 ani cu o valoare a DAE de 10.39%. Da, pe 3 ani DAE este mai mare, costul total al creditului va fi de 58,073 lei, fa\u021b\u0103 de 63,513 lei pe 5 ani. Iar asta pentru c\u0103 cel mai mare cost inclus \u00een DAE pe perioada unui credit este rata dob\u00e2nzii, \u0219i cum, at\u00e2t rata dob\u00e2nzii, c\u00e2t \u0219i DAE sunt calculate \u00een procente anuale, asta se traduce simplu prin: ani mai pu\u021bini = dob\u00e2nd\u0103 mai pu\u021bin\u0103.<\/span><\/p>\n<p><span style=\"font-weight: 400;\"><img decoding=\"async\" class=\"emoji\" role=\"img\" draggable=\"false\" src=\"https:\/\/s.w.org\/images\/core\/emoji\/14.0.0\/svg\/1f4a1.svg\" alt=\"????\" \/> <\/span><b>Sfatul brokerului: <\/b><span style=\"font-weight: 400;\">pe l\u00e2ng\u0103 DAE, c\u00e2nd compari 2 oferte de credit uit\u0103-te la costul total de rambursare.<\/span><\/p>\n<\/div><div class=\"fusion-text fusion-text-7\"><p><b style=\"color: var(--awb-color4); font-size: 19px;\" data-fusion-font=\"true\">???? Ce aleg prima dat\u0103 c\u00e2nd vreau s\u0103 compar ofertele de credit: rata dob\u00e2nzii sau DAE?<\/b><\/p>\n<p><span style=\"font-weight: 400;\">\u00cen primul r\u00e2nd, trebuie s\u0103 l\u0103murim un lucru unde de obicei se \u00eent\u00e2mpl\u0103 cele mai multe confuzii: <\/span><b>rata dob\u00e2nzii \u0219i dob\u00e2nda nu sunt acela\u0219i lucru!!! <\/b><span style=\"font-weight: 400;\">Rata anual\u0103 a dob\u00e2nzii este exprimarea \u00een procente a costului anual cu dob\u00e2nda pl\u0103tit\u0103 pentru un \u00eemprumut. \u00centre ea \u0219i dob\u00e2nd\u0103 se pune de foarte multe ori semnul egal, \u00eens\u0103 dob\u00e2nda este valoarea numeric\u0103 ce se ob\u021bine \u00eenmul\u021bind rata dob\u00e2nzii cu soldul creditului.<\/span><\/p>\n<p><img decoding=\"async\" class=\"emoji\" role=\"img\" draggable=\"false\" src=\"https:\/\/s.w.org\/images\/core\/emoji\/14.0.0\/svg\/27a1.svg\" alt=\"\u27a1\ufe0f\" \/> <b>De exemplu<\/b>, o rat\u0103 a dob\u00e2nzii de 6%, \u00eenseamn\u0103 c\u0103 pentru a \u00eemprumuta, s\u0103 spunem 1,000 lei pe durat\u0103 de 1 an, trebuie s\u0103 pl\u0103te\u0219ti 6% lunar pe parcursul perioadei creditului. Asta se traduce \u00een o dob\u00e2nd\u0103 de 60 de lei pe lun\u0103 (1,000 x 6%) <img decoding=\"async\" class=\"emoji\" role=\"img\" draggable=\"false\" src=\"https:\/\/s.w.org\/images\/core\/emoji\/14.0.0\/svg\/1f913.svg\" alt=\"????\" \/><\/p>\n<p><b>Diferen\u021ba dintre DAE \u0219i rata dob\u00e2nzii <\/b>se datoreaz\u0103, \u00een mare parte, costurilor suplimentare incluse \u00een dob\u00e2nda anual\u0103 efectiv\u0103, men\u021bionate \u0219i mai sus: comisioane de analiz\u0103 \u0219i acordare, comisioane de gestiune sau administrare, prime de asigurare de via\u021b\u0103 etc.<\/p>\n<p>Astfel,<b> rata dob\u00e2nzii este \u00eentotdeauna mai mic\u0103 dec\u00e2t dob\u00e2nda anual\u0103 efectiv\u0103.<\/b><\/p>\n<p>Acum c\u0103 ai \u00een\u021beles ce este DAE \u0219i ce rol are \u00een alegerea unui credit parc\u0103 pare mai simplu: Vrei s\u0103 alegi cea mai avantajoas\u0103 ofert\u0103, \u00eenseamn\u0103 c\u0103 nu trebuie doar s\u0103 compari rata dob\u00e2nzii, ci s\u0103 alegi acel indicator de compara\u021bie care cuprinde toate costurile creditului.<\/p>\n<p>Intr\u0103 pe <a style=\"color: var(--awb-color4);\" href=\"https:\/\/123credit.ro\/\" target=\"_blank\" rel=\"noopener noreferrer\">123credit.ro<\/a>, compar\u0103 ofertele b\u0103ncilor din Rom\u00e2nia \u0219i alege op\u021biunea ce propune cea mai joas\u0103 dob\u00e2nd\u0103 anual\u0103 efectiv\u0103. C\u00e2nd compari, te rug\u0103m sa verifici in sec\u021biunea din josul comparatorului costurile pe care banca le-a inclus \u00een calculul DAE ca sa te asiguri c\u0103 o s\u0103 compari mere cu mere.<\/p>\n<p>A\u0219adar, acum c\u0103 ai aflat \u0219i ce e dob\u00e2nda, de c\u00e2te tipuri este, care este diferen\u021ba fa\u021b\u0103 de dob\u00e2nda anual\u0103 efectiv\u0103 \u0219i de ce s\u0103 \u021bii cont atunci c\u00e2nd alegi oferta de credit cea mai potrivit\u0103 \u021bie, nu mai r\u0103m\u00e2ne dec\u00e2t s\u0103 aplici, compari \u0219i s\u0103 alegi cel mai bun credit. <img decoding=\"async\" class=\"emoji\" role=\"img\" draggable=\"false\" src=\"https:\/\/s.w.org\/images\/core\/emoji\/14.0.0\/svg\/27a1.svg\" alt=\"\u27a1\ufe0f\" \/> <a href=\"https:\/\/123credit.ro\/\" target=\"_blank\" rel=\"noopener noreferrer\">123credit.ro<\/a> <img decoding=\"async\" class=\"emoji\" role=\"img\" draggable=\"false\" src=\"https:\/\/s.w.org\/images\/core\/emoji\/14.0.0\/svg\/2705.svg\" alt=\"\u2705\" \/><\/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\"> 11<\/span> <span class=\"rt-label rt-postfix\">minute<\/span><\/span><\/p>\n","protected":false},"author":7,"featured_media":655,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[16],"tags":[],"class_list":["post-454","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-noutati-despre-credite"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Ce este DAE si ce rol are in alegerea unui credit?- Blogul 123Credit<\/title>\n<meta name=\"description\" content=\"Afla ce este DAE si ce rol are alegerea ofertei potrivite de credit. Calculul DAE trebuie s\u0103 includ\u0103 toate costurile asociate unui credit.\" \/>\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\/ce-este-dae-si-ce-rol-are-in-alegerea-unui-credit\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Ce este DAE si ce rol are in alegerea unui credit?- Blogul 123Credit\" \/>\n<meta property=\"og:description\" content=\"Afla ce este DAE si ce rol are alegerea ofertei potrivite de credit. 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