Radierea Ipotecii Dup\u0103 Achitare Credit<\/title><br \/>\n<\/head><br \/>\n<body><\/p>\n<h1>Radierea Ipotecii Dup\u0103 Achitare Credit<\/h1>\n<p>Radierea ipotecii este pasul care urmeaz\u0103 dup\u0103 achitarea ultimei rate la un credit ipotecar. Pe scurt, radierea ipotecii \u00eenseamn\u0103 \u0219tergerea garan\u021biei (ipoteca) din cartea funciar\u0103. De\u0219i creditul a fost rambursat integral, iar datoria nu mai exist\u0103, ipoteca r\u0103m\u00e2ne \u00eenscris\u0103 pe imobil p\u00e2n\u0103 c\u00e2nd proprietarul face demersurile pentru radierea ei. Acest articol explic\u0103 de ce radierea nu se face automat, ce pa\u0219i trebuie urma\u021bi \u0219i de ce este important s\u0103 finalizezi aceast\u0103 formalitate.<\/p>\n<h2>Ce \u00eenseamn\u0103 radierea ipotecii<\/h2>\n<p>Ipoteca este o garan\u021bie real\u0103 instituit\u0103 asupra unui bun imobil. Ea se \u00eenscrie \u00een cartea funciar\u0103 pentru a asigura creditorul (de regul\u0103 banca) c\u0103 \u00ee\u0219i va recupera banii dac\u0103 debitorul nu \u00ee\u0219i pl\u0103te\u0219te creditul. Radierea ipotecii reprezint\u0103 eliminarea acestei garan\u021bii din eviden\u021bele publice dup\u0103 ce datoria a fost stins\u0103. Imobilul devine astfel \u201eliber de sarcini\u201d, iar proprietarul poate dispune de el f\u0103r\u0103 restric\u021bii suplimentare.<\/p>\n<p>Cartea funciar\u0103 este registrul oficial \u00een care se \u00eenscriu propriet\u0103\u021bile \u0219i sarcinile lor. Orice ipotec\u0103 este vizibil\u0103 acolo; de aceea, chiar dac\u0103 ai achitat integral creditul, imobilul figureaz\u0103 \u00een continuare cu ipotec\u0103 p\u00e2n\u0103 la \u0219tergerea ei. Radierea nu schimb\u0103 dreptul de proprietate, ci elimin\u0103 doar garan\u021bia \u00eenscris\u0103 asupra imobilului.<\/p>\n<h2>De ce radierea ipotecii nu se face automat dup\u0103 ultima rat\u0103<\/h2>\n<p>Mul\u021bi debitori presupun c\u0103 odat\u0103 cu achitarea creditului ipoteca dispare automat. \u00cen realitate, stingerea datoriei \u0219i radierea ipotecii sunt dou\u0103 etape separate. Conform Codului civil, creditorul are obliga\u021bia de a solicita radierea ipotecii \u00een termen de 10 zile de la plata integral\u0103 a datoriilor; \u00een caz contrar, poate fi obligat la desp\u0103gubiri.<\/p>\n<p>Totu\u0219i, \u00een practic\u0103, banca elibereaz\u0103 actele necesare doar la cererea clientului, iar acesta trebuie s\u0103 se ocupe de formalit\u0103\u021bi. Astfel, radierea ipotecii este un demers administrativ pe care proprietarul trebuie s\u0103-l ini\u021bieze, nu un proces automat.<\/p>\n<p>Pentru a finaliza radierea ipotecii, apar dou\u0103 roluri:<\/p>\n<ul>\n<li><strong>Banca (creditorul)<\/strong> este cea care confirm\u0103 \u00een scris c\u0103 datoria a fost achitat\u0103 \u0219i emite o declara\u021bie de radiere. \u00cen cazul programelor Prima\/Noua Cas\u0103, banca solicit\u0103 \u0219i acordul de radiere de la Fondul Na\u021bional de Garantare (FNGCIMM). Banca trebuie s\u0103 fac\u0103 aceste demersuri \u00een termenul legal.<\/li>\n<li><strong>Proprietarul (debitorul)<\/strong> este cel care colecteaz\u0103 actele de la banc\u0103, le autentific\u0103 la notar \u0219i depune cererea de radiere la Oficiul de Cadastru \u0219i Publicitate Imobiliar\u0103 (OCPI). Proprietarul trebuie s\u0103 se asigure c\u0103 radierea este finalizat\u0103; altfel, ipoteca va r\u0103m\u00e2ne \u00eenscris\u0103 \u0219i poate \u00eengreuna viitoarea v\u00e2nzare sau refinan\u021bare.<\/li>\n<\/ul>\n<h2>Pa\u0219ii pentru radierea ipotecii<\/h2>\n<p>\u00cen general, procedura implic\u0103 urm\u0103toarele etape:<\/p>\n<ol>\n<li>\n <strong>Ob\u021binerea documentelor de la banc\u0103<\/strong><\/p>\n<p>Dup\u0103 plata ultimei rate, solicit\u0103 b\u0103ncii un certificat de stingere a creditului \u0219i o declara\u021bie de radiere a ipotecii. La creditele garantate de stat (Prima\/Noua Cas\u0103), banca va cere \u0219i acordul de radiere de la FNGCIMM. Potrivit informa\u021biilor oficiale, FNGCIMM emite acordul de radiere doar la solicitarea b\u0103ncilor, iar termenul general de solu\u021bionare este de 30 de zile.<\/p>\n<\/li>\n<li>\n <strong>Autentificarea la notar<\/strong><\/p>\n<p>Declara\u021bia de radiere emis\u0103 de banc\u0103 trebuie autentificat\u0103 de un notar. Notarul \u00eentocme\u0219te un act numit \u00eencheiere de radiere \u0219i \u00eel transmite electronic c\u0103tre OCPI. Site-ul notari.pro precizeaz\u0103 c\u0103, pentru radierea ipotecii, proprietarul trebuie s\u0103 prezinte la notar actul de proprietate, \u00eencheierea de intabulare, contractul de ipotec\u0103, adeverin\u021ba de achitare a creditului \u0219i un extras de carte funciar\u0103. Notarul transmite \u00eencheierea la OCPI pentru \u0219tergerea ipotecii.<\/p>\n<\/li>\n<li>\n <strong>Depunerea cererii de radiere la OCPI<\/strong><\/p>\n<p>\u00cen func\u021bie de jude\u021b, cererea se poate depune de c\u0103tre notar sau de c\u0103tre proprietar. Cererea trebuie s\u0103 includ\u0103 documentele men\u021bionate mai sus \u0219i se depune la ghi\u0219eul OCPI. Acest ghid juridic men\u021bioneaz\u0103 c\u0103 proprietarul trebuie s\u0103 ata\u0219eze \u0219i cartea de identitate \u0219i un extras CF ob\u021binut \u00een prealabil. Dac\u0103 ipoteca a fost garantat\u0103 prin programul Prima\/Noua Cas\u0103, se ata\u0219eaz\u0103 \u0219i acordul de radiere de la FNGCIMM.<\/p>\n<\/li>\n<li>\n <strong>A\u0219teptarea solu\u021bion\u0103rii<\/strong><\/p>\n<p>OCPI va analiza documenta\u021bia \u0219i va emite o \u00eencheiere de radiere. Potrivit notari.pro, procedura dureaz\u0103, \u00een medie, \u00eentre 3 \u0219i 7 zile lucr\u0103toare. Dup\u0103 primirea \u00eencheierii, proprietarul poate ob\u021bine un nou extras de carte funciar\u0103 care s\u0103 ateste c\u0103 imobilul este liber de sarcini.<\/p>\n<\/li>\n<\/ol>\n<h2>C\u00e2t dureaz\u0103 \u0219i c\u00e2t cost\u0103 radierea ipotecii<\/h2>\n<p>Durata procedurii depinde de rapiditatea cu care banca elibereaz\u0103 documentele, de disponibilitatea notarului \u0219i de timpul de solu\u021bionare de la OCPI. \u00cen general, radierea dureaz\u0103 \u00eentre 3 \u0219i 7 zile lucr\u0103toare, \u00eens\u0103 poate fi mai lung\u0103 dac\u0103 exist\u0103 perioade aglomerate sau dac\u0103 FNGCIMM are termen de 30 de zile pentru programul Noua Cas\u0103.<\/p>\n<p>Costurile totale variaz\u0103 \u00een func\u021bie de tarifele notariale \u0219i de taxa c\u0103tre OCPI:<\/p>\n<ul>\n<li>Taxa OCPI: de regul\u0103 75 lei pe imobil. Unele oficii percep tarife mai mari \u00een regim de urgen\u021b\u0103.<\/li>\n<li>Extras de carte funciar\u0103: aproximativ 20 lei.<\/li>\n<li>Onorariul notarial: estimat la 150\u2013300 lei (sau \u00een jur de 600\u2013700 lei pentru dosare mai complexe la v\u00e2nzare).<\/li>\n<\/ul>\n<p>Totalul costurilor se situeaz\u0103 adesea \u00eentre 200 \u0219i 400 de lei pentru creditele standard. La programele garantate de stat pot ap\u0103rea \u0219i alte cheltuieli (de exemplu, pentru ob\u021binerea acordului de la FNGCIMM), dar acestea se achit\u0103 de c\u0103tre banc\u0103.<\/p>\n<h2>Radierea ipotecii \u00een situa\u021bii speciale<\/h2>\n<h3>Credite Prima\/Noua Cas\u0103<\/h3>\n<p>Pentru creditele garantate de stat, exist\u0103 un pas suplimentar: banca trebuie s\u0103 cear\u0103 acordul de radiere de la FNGCIMM. Aceast\u0103 institu\u021bie emite acordul la solicitarea b\u0103ncii \u0219i nu la cererea direct\u0103 a clientului. Termenul de emitere este, \u00een general, de 30 de zile. Dup\u0103 primirea acordului, procedura de radiere se continu\u0103 la fel ca \u00een cazul unui credit standard.<\/p>\n<h3>V\u00e2nzarea imobilului dup\u0103 achitarea creditului<\/h3>\n<p>Dac\u0103 inten\u021bionezi s\u0103 vinzi imobilul imediat dup\u0103 achitarea creditului, este important ca radierea ipotecii s\u0103 fie efectuat\u0103 \u00eenainte de semnarea contractului de v\u00e2nzare. Speciali\u0219tii imobiliari avertizeaz\u0103 c\u0103 v\u00e2nzarea unei locuin\u021be cu ipotec\u0103 \u00eenscris\u0103 poate \u00eent\u00e2rzia tranzac\u021bia, deoarece cump\u0103r\u0103torul \u0219i banca sa nu accept\u0103 de obicei un imobil cu sarcini. Procedura de radiere este similar\u0103, \u00eens\u0103 costurile notariale pot fi mai mari (600\u2013700 lei) deoarece notarii trebuie s\u0103 se deplaseze la banc\u0103 pentru a ob\u021bine declara\u021bia de radiere.<\/p>\n<h3>Rambursarea anticipat\u0103<\/h3>\n<p>\u00cen cazul ramburs\u0103rii anticipate integrale, pa\u0219ii sunt aceia\u0219i. Este important s\u0103 solici\u021bi b\u0103ncii un certificat de stingere \u0219i declara\u021bia de radiere imediat dup\u0103 plata creditului. Unele b\u0103nci pot elibera documentele automat, dar trebuie s\u0103 te asiguri c\u0103 au fost emise \u0219i c\u0103 ajung la notar.<\/p>\n<h2>Ce se \u00eent\u00e2mpl\u0103 dup\u0103 finalizarea procedurii<\/h2>\n<p>Dup\u0103 ce OCPI emite \u00eencheierea de radiere, ipoteca dispare din cartea funciar\u0103. Proprietarul poate verifica acest lucru solicit\u00e2nd un nou extras de carte funciar\u0103. \u00cen mod normal, \u00eencheierea de radiere este transmis\u0103 at\u00e2t notarului, c\u00e2t \u0219i b\u0103ncii. Dac\u0103 ipoteca a fost radiat\u0103, imobilul este \u201eliber de sarcini\u201d, iar proprietarul poate s\u0103 \u00eel v\u00e2nd\u0103, s\u0103 \u00eel ipotecheze din nou sau s\u0103 \u00eel doneze f\u0103r\u0103 condi\u021bion\u0103ri.<\/p>\n<h2>Concluzie<\/h2>\n<p>Radierea ipotecii este ultimul pas dup\u0103 achitarea unui credit ipotecar, \u00eens\u0103 nu se realizeaz\u0103 automat. Proprietarul trebuie s\u0103 solicite b\u0103ncii certificatele de stingere, s\u0103 mearg\u0103 la notar pentru autentificarea declara\u021biei de radiere \u0219i s\u0103 depun\u0103 cererea la OCPI. Procedura dureaz\u0103, \u00een medie, 3\u20137 zile \u0219i implic\u0103 costuri de aproximativ c\u00e2teva sute de lei. Finalizarea radierei este esen\u021bial\u0103 pentru a avea un imobil f\u0103r\u0103 sarcini \u0219i pentru a putea dispune liber de el.<\/p>\n<h2>\u00centreb\u0103ri frecvente<\/h2>\n<h3>1. Radierea ipotecii se face automat dup\u0103 achitarea creditului?<\/h3>\n<p>Nu. Dup\u0103 plata creditului, ipoteca r\u0103m\u00e2ne \u00eenscris\u0103 \u00een cartea funciar\u0103 p\u00e2n\u0103 c\u00e2nd proprietarul solicit\u0103 radierea. Banca emite documentele necesare, iar proprietarul trebuie s\u0103 depun\u0103 cererea la notar \u0219i la OCPI.<\/p>\n<h3>2. C\u00e2t timp pot am\u00e2na radierea ipotecii?<\/h3>\n<p>Codul civil oblig\u0103 creditorul s\u0103 cear\u0103 radierea \u00een termen de 10 zile de la stingerea obliga\u021biei, dar este recomandat ca proprietarul s\u0103 ini\u021bieze imediat procedura pentru a evita probleme la v\u00e2nzare sau refinan\u021bare. \u00cen practic\u0103, radierea poate fi f\u0103cut\u0103 oric\u00e2nd dup\u0103 achitarea creditului, dar p\u00e2n\u0103 atunci imobilul r\u0103m\u00e2ne cu sarcini.<\/p>\n<h3>3. Ce se \u00eent\u00e2mpl\u0103 dac\u0103 nu radiez ipoteca?<\/h3>\n<p>Imobilul va figura \u00een continuare cu ipotec\u0103 \u00een cartea funciar\u0103, ceea ce poate bloca v\u00e2nzarea sau refinan\u021barea. De asemenea, creditorul poate fi obligat la desp\u0103gubiri pentru ne\u00eendeplinirea obliga\u021biei de radiere.<\/p>\n<h3>4. Radierea ipotecii este obligatorie pentru v\u00e2nzarea imobilului?<\/h3>\n<p>Da, pentru o tranzac\u021bie curat\u0103, ipoteca trebuie radiat\u0103 \u00eenainte de v\u00e2nzare. Cump\u0103r\u0103torii \u0219i b\u0103ncile lor nu accept\u0103 de obicei imobile cu sarcini. De aceea, notarii recomand\u0103 radierea ipotecii \u00eenainte de semnarea contractului.<\/p>\n<h3>5. Radierea ipotecii este diferit\u0103 pentru Prima sau Noua Cas\u0103?<\/h3>\n<p>Da. Pentru aceste programe, banca trebuie s\u0103 ob\u021bin\u0103 \u0219i acordul de radiere de la FNGCIMM, ceea ce poate prelungi procedura p\u00e2n\u0103 la 30 de zile. \u00cen rest, pa\u0219ii sunt asem\u0103n\u0103tori cu cei ai unui credit ipotecar standard.<\/p>\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\"> 6<\/span> <span class=\"rt-label rt-postfix\">minute<\/span><\/span>Radierea Ipotecii Dup\u0103 Achitare Credit Radierea Ipotecii Dup\u0103 Achitare Credit Radierea ipotecii este pasul care urmeaz\u0103 dup\u0103 achitarea ultimei rate la un credit ipotecar. Pe scurt, radierea ipotecii \u00eenseamn\u0103 \u0219tergerea garan\u021biei (ipoteca) din cartea funciar\u0103. De\u0219i creditul a fost rambursat integral, iar datoria nu mai exist\u0103, ipoteca r\u0103m\u00e2ne \u00eenscris\u0103 pe imobil p\u00e2n\u0103 c\u00e2nd proprietarul face demersurile pentru radierea ei. Acest […]<\/p>\n","protected":false},"author":7,"featured_media":4549,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[223],"tags":[],"class_list":["post-4578","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credite-ipotecare"],"yoast_head":"\n<title>Radiere ipotec\u0103: ce ai de f\u0103cut dup\u0103 ultima rat\u0103 - Blogul 123Credit<\/title>\n<meta name=\"description\" content=\"Radierea ipotecii dup\u0103 achitarea creditului: ce \u00eenseamn\u0103, de ce nu se face automat, ce pa\u0219i urmeaz\u0103, c\u00e2t dureaz\u0103 \u0219i ce costuri implic\u0103.\" \/>\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\/radiere-ipoteca\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Radiere ipotec\u0103: ce ai de f\u0103cut dup\u0103 ultima rat\u0103 - 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{"id":4578,"date":"2026-01-26T10:01:00","date_gmt":"2026-01-26T08:01:00","guid":{"rendered":"https:\/\/123credit.ro\/blog\/radiere-ipoteca\/"},"modified":"2026-01-26T10:01:01","modified_gmt":"2026-01-26T08:01:01","slug":"radiere-ipoteca","status":"publish","type":"post","link":"https:\/\/123credit.ro\/blog\/radiere-ipoteca\/","title":{"rendered":"Radiere ipotec\u0103: ce ai de f\u0103cut dup\u0103 ultima rat\u0103"},"content":{"rendered":"Timpul estimat pentru citire: <\/span> 6<\/span> minute<\/span><\/span>

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\n Radierea Ipotecii Dup\u0103 Achitare Credit<\/title><br \/>\n<\/head><br \/>\n<body><\/p>\n<h1>Radierea Ipotecii Dup\u0103 Achitare Credit<\/h1>\n<p>Radierea ipotecii este pasul care urmeaz\u0103 dup\u0103 achitarea ultimei rate la un credit ipotecar. Pe scurt, radierea ipotecii \u00eenseamn\u0103 \u0219tergerea garan\u021biei (ipoteca) din cartea funciar\u0103. De\u0219i creditul a fost rambursat integral, iar datoria nu mai exist\u0103, ipoteca r\u0103m\u00e2ne \u00eenscris\u0103 pe imobil p\u00e2n\u0103 c\u00e2nd proprietarul face demersurile pentru radierea ei. Acest articol explic\u0103 de ce radierea nu se face automat, ce pa\u0219i trebuie urma\u021bi \u0219i de ce este important s\u0103 finalizezi aceast\u0103 formalitate.<\/p>\n<h2>Ce \u00eenseamn\u0103 radierea ipotecii<\/h2>\n<p>Ipoteca este o garan\u021bie real\u0103 instituit\u0103 asupra unui bun imobil. Ea se \u00eenscrie \u00een cartea funciar\u0103 pentru a asigura creditorul (de regul\u0103 banca) c\u0103 \u00ee\u0219i va recupera banii dac\u0103 debitorul nu \u00ee\u0219i pl\u0103te\u0219te creditul. Radierea ipotecii reprezint\u0103 eliminarea acestei garan\u021bii din eviden\u021bele publice dup\u0103 ce datoria a fost stins\u0103. Imobilul devine astfel \u201eliber de sarcini\u201d, iar proprietarul poate dispune de el f\u0103r\u0103 restric\u021bii suplimentare.<\/p>\n<p>Cartea funciar\u0103 este registrul oficial \u00een care se \u00eenscriu propriet\u0103\u021bile \u0219i sarcinile lor. Orice ipotec\u0103 este vizibil\u0103 acolo; de aceea, chiar dac\u0103 ai achitat integral creditul, imobilul figureaz\u0103 \u00een continuare cu ipotec\u0103 p\u00e2n\u0103 la \u0219tergerea ei. Radierea nu schimb\u0103 dreptul de proprietate, ci elimin\u0103 doar garan\u021bia \u00eenscris\u0103 asupra imobilului.<\/p>\n<h2>De ce radierea ipotecii nu se face automat dup\u0103 ultima rat\u0103<\/h2>\n<p>Mul\u021bi debitori presupun c\u0103 odat\u0103 cu achitarea creditului ipoteca dispare automat. \u00cen realitate, stingerea datoriei \u0219i radierea ipotecii sunt dou\u0103 etape separate. Conform Codului civil, creditorul are obliga\u021bia de a solicita radierea ipotecii \u00een termen de 10 zile de la plata integral\u0103 a datoriilor; \u00een caz contrar, poate fi obligat la desp\u0103gubiri.<\/p>\n<p>Totu\u0219i, \u00een practic\u0103, banca elibereaz\u0103 actele necesare doar la cererea clientului, iar acesta trebuie s\u0103 se ocupe de formalit\u0103\u021bi. Astfel, radierea ipotecii este un demers administrativ pe care proprietarul trebuie s\u0103-l ini\u021bieze, nu un proces automat.<\/p>\n<p>Pentru a finaliza radierea ipotecii, apar dou\u0103 roluri:<\/p>\n<ul>\n<li><strong>Banca (creditorul)<\/strong> este cea care confirm\u0103 \u00een scris c\u0103 datoria a fost achitat\u0103 \u0219i emite o declara\u021bie de radiere. \u00cen cazul programelor Prima\/Noua Cas\u0103, banca solicit\u0103 \u0219i acordul de radiere de la Fondul Na\u021bional de Garantare (FNGCIMM). Banca trebuie s\u0103 fac\u0103 aceste demersuri \u00een termenul legal.<\/li>\n<li><strong>Proprietarul (debitorul)<\/strong> este cel care colecteaz\u0103 actele de la banc\u0103, le autentific\u0103 la notar \u0219i depune cererea de radiere la Oficiul de Cadastru \u0219i Publicitate Imobiliar\u0103 (OCPI). Proprietarul trebuie s\u0103 se asigure c\u0103 radierea este finalizat\u0103; altfel, ipoteca va r\u0103m\u00e2ne \u00eenscris\u0103 \u0219i poate \u00eengreuna viitoarea v\u00e2nzare sau refinan\u021bare.<\/li>\n<\/ul>\n<h2>Pa\u0219ii pentru radierea ipotecii<\/h2>\n<p>\u00cen general, procedura implic\u0103 urm\u0103toarele etape:<\/p>\n<ol>\n<li>\n <strong>Ob\u021binerea documentelor de la banc\u0103<\/strong><\/p>\n<p>Dup\u0103 plata ultimei rate, solicit\u0103 b\u0103ncii un certificat de stingere a creditului \u0219i o declara\u021bie de radiere a ipotecii. La creditele garantate de stat (Prima\/Noua Cas\u0103), banca va cere \u0219i acordul de radiere de la FNGCIMM. Potrivit informa\u021biilor oficiale, FNGCIMM emite acordul de radiere doar la solicitarea b\u0103ncilor, iar termenul general de solu\u021bionare este de 30 de zile.<\/p>\n<\/li>\n<li>\n <strong>Autentificarea la notar<\/strong><\/p>\n<p>Declara\u021bia de radiere emis\u0103 de banc\u0103 trebuie autentificat\u0103 de un notar. Notarul \u00eentocme\u0219te un act numit \u00eencheiere de radiere \u0219i \u00eel transmite electronic c\u0103tre OCPI. Site-ul notari.pro precizeaz\u0103 c\u0103, pentru radierea ipotecii, proprietarul trebuie s\u0103 prezinte la notar actul de proprietate, \u00eencheierea de intabulare, contractul de ipotec\u0103, adeverin\u021ba de achitare a creditului \u0219i un extras de carte funciar\u0103. Notarul transmite \u00eencheierea la OCPI pentru \u0219tergerea ipotecii.<\/p>\n<\/li>\n<li>\n <strong>Depunerea cererii de radiere la OCPI<\/strong><\/p>\n<p>\u00cen func\u021bie de jude\u021b, cererea se poate depune de c\u0103tre notar sau de c\u0103tre proprietar. Cererea trebuie s\u0103 includ\u0103 documentele men\u021bionate mai sus \u0219i se depune la ghi\u0219eul OCPI. Acest ghid juridic men\u021bioneaz\u0103 c\u0103 proprietarul trebuie s\u0103 ata\u0219eze \u0219i cartea de identitate \u0219i un extras CF ob\u021binut \u00een prealabil. Dac\u0103 ipoteca a fost garantat\u0103 prin programul Prima\/Noua Cas\u0103, se ata\u0219eaz\u0103 \u0219i acordul de radiere de la FNGCIMM.<\/p>\n<\/li>\n<li>\n <strong>A\u0219teptarea solu\u021bion\u0103rii<\/strong><\/p>\n<p>OCPI va analiza documenta\u021bia \u0219i va emite o \u00eencheiere de radiere. Potrivit notari.pro, procedura dureaz\u0103, \u00een medie, \u00eentre 3 \u0219i 7 zile lucr\u0103toare. Dup\u0103 primirea \u00eencheierii, proprietarul poate ob\u021bine un nou extras de carte funciar\u0103 care s\u0103 ateste c\u0103 imobilul este liber de sarcini.<\/p>\n<\/li>\n<\/ol>\n<h2>C\u00e2t dureaz\u0103 \u0219i c\u00e2t cost\u0103 radierea ipotecii<\/h2>\n<p>Durata procedurii depinde de rapiditatea cu care banca elibereaz\u0103 documentele, de disponibilitatea notarului \u0219i de timpul de solu\u021bionare de la OCPI. \u00cen general, radierea dureaz\u0103 \u00eentre 3 \u0219i 7 zile lucr\u0103toare, \u00eens\u0103 poate fi mai lung\u0103 dac\u0103 exist\u0103 perioade aglomerate sau dac\u0103 FNGCIMM are termen de 30 de zile pentru programul Noua Cas\u0103.<\/p>\n<p>Costurile totale variaz\u0103 \u00een func\u021bie de tarifele notariale \u0219i de taxa c\u0103tre OCPI:<\/p>\n<ul>\n<li>Taxa OCPI: de regul\u0103 75 lei pe imobil. Unele oficii percep tarife mai mari \u00een regim de urgen\u021b\u0103.<\/li>\n<li>Extras de carte funciar\u0103: aproximativ 20 lei.<\/li>\n<li>Onorariul notarial: estimat la 150\u2013300 lei (sau \u00een jur de 600\u2013700 lei pentru dosare mai complexe la v\u00e2nzare).<\/li>\n<\/ul>\n<p>Totalul costurilor se situeaz\u0103 adesea \u00eentre 200 \u0219i 400 de lei pentru creditele standard. La programele garantate de stat pot ap\u0103rea \u0219i alte cheltuieli (de exemplu, pentru ob\u021binerea acordului de la FNGCIMM), dar acestea se achit\u0103 de c\u0103tre banc\u0103.<\/p>\n<h2>Radierea ipotecii \u00een situa\u021bii speciale<\/h2>\n<h3>Credite Prima\/Noua Cas\u0103<\/h3>\n<p>Pentru creditele garantate de stat, exist\u0103 un pas suplimentar: banca trebuie s\u0103 cear\u0103 acordul de radiere de la FNGCIMM. Aceast\u0103 institu\u021bie emite acordul la solicitarea b\u0103ncii \u0219i nu la cererea direct\u0103 a clientului. Termenul de emitere este, \u00een general, de 30 de zile. Dup\u0103 primirea acordului, procedura de radiere se continu\u0103 la fel ca \u00een cazul unui credit standard.<\/p>\n<h3>V\u00e2nzarea imobilului dup\u0103 achitarea creditului<\/h3>\n<p>Dac\u0103 inten\u021bionezi s\u0103 vinzi imobilul imediat dup\u0103 achitarea creditului, este important ca radierea ipotecii s\u0103 fie efectuat\u0103 \u00eenainte de semnarea contractului de v\u00e2nzare. Speciali\u0219tii imobiliari avertizeaz\u0103 c\u0103 v\u00e2nzarea unei locuin\u021be cu ipotec\u0103 \u00eenscris\u0103 poate \u00eent\u00e2rzia tranzac\u021bia, deoarece cump\u0103r\u0103torul \u0219i banca sa nu accept\u0103 de obicei un imobil cu sarcini. Procedura de radiere este similar\u0103, \u00eens\u0103 costurile notariale pot fi mai mari (600\u2013700 lei) deoarece notarii trebuie s\u0103 se deplaseze la banc\u0103 pentru a ob\u021bine declara\u021bia de radiere.<\/p>\n<h3>Rambursarea anticipat\u0103<\/h3>\n<p>\u00cen cazul ramburs\u0103rii anticipate integrale, pa\u0219ii sunt aceia\u0219i. Este important s\u0103 solici\u021bi b\u0103ncii un certificat de stingere \u0219i declara\u021bia de radiere imediat dup\u0103 plata creditului. Unele b\u0103nci pot elibera documentele automat, dar trebuie s\u0103 te asiguri c\u0103 au fost emise \u0219i c\u0103 ajung la notar.<\/p>\n<h2>Ce se \u00eent\u00e2mpl\u0103 dup\u0103 finalizarea procedurii<\/h2>\n<p>Dup\u0103 ce OCPI emite \u00eencheierea de radiere, ipoteca dispare din cartea funciar\u0103. Proprietarul poate verifica acest lucru solicit\u00e2nd un nou extras de carte funciar\u0103. \u00cen mod normal, \u00eencheierea de radiere este transmis\u0103 at\u00e2t notarului, c\u00e2t \u0219i b\u0103ncii. Dac\u0103 ipoteca a fost radiat\u0103, imobilul este \u201eliber de sarcini\u201d, iar proprietarul poate s\u0103 \u00eel v\u00e2nd\u0103, s\u0103 \u00eel ipotecheze din nou sau s\u0103 \u00eel doneze f\u0103r\u0103 condi\u021bion\u0103ri.<\/p>\n<h2>Concluzie<\/h2>\n<p>Radierea ipotecii este ultimul pas dup\u0103 achitarea unui credit ipotecar, \u00eens\u0103 nu se realizeaz\u0103 automat. Proprietarul trebuie s\u0103 solicite b\u0103ncii certificatele de stingere, s\u0103 mearg\u0103 la notar pentru autentificarea declara\u021biei de radiere \u0219i s\u0103 depun\u0103 cererea la OCPI. Procedura dureaz\u0103, \u00een medie, 3\u20137 zile \u0219i implic\u0103 costuri de aproximativ c\u00e2teva sute de lei. Finalizarea radierei este esen\u021bial\u0103 pentru a avea un imobil f\u0103r\u0103 sarcini \u0219i pentru a putea dispune liber de el.<\/p>\n<h2>\u00centreb\u0103ri frecvente<\/h2>\n<h3>1. Radierea ipotecii se face automat dup\u0103 achitarea creditului?<\/h3>\n<p>Nu. Dup\u0103 plata creditului, ipoteca r\u0103m\u00e2ne \u00eenscris\u0103 \u00een cartea funciar\u0103 p\u00e2n\u0103 c\u00e2nd proprietarul solicit\u0103 radierea. Banca emite documentele necesare, iar proprietarul trebuie s\u0103 depun\u0103 cererea la notar \u0219i la OCPI.<\/p>\n<h3>2. C\u00e2t timp pot am\u00e2na radierea ipotecii?<\/h3>\n<p>Codul civil oblig\u0103 creditorul s\u0103 cear\u0103 radierea \u00een termen de 10 zile de la stingerea obliga\u021biei, dar este recomandat ca proprietarul s\u0103 ini\u021bieze imediat procedura pentru a evita probleme la v\u00e2nzare sau refinan\u021bare. \u00cen practic\u0103, radierea poate fi f\u0103cut\u0103 oric\u00e2nd dup\u0103 achitarea creditului, dar p\u00e2n\u0103 atunci imobilul r\u0103m\u00e2ne cu sarcini.<\/p>\n<h3>3. Ce se \u00eent\u00e2mpl\u0103 dac\u0103 nu radiez ipoteca?<\/h3>\n<p>Imobilul va figura \u00een continuare cu ipotec\u0103 \u00een cartea funciar\u0103, ceea ce poate bloca v\u00e2nzarea sau refinan\u021barea. De asemenea, creditorul poate fi obligat la desp\u0103gubiri pentru ne\u00eendeplinirea obliga\u021biei de radiere.<\/p>\n<h3>4. Radierea ipotecii este obligatorie pentru v\u00e2nzarea imobilului?<\/h3>\n<p>Da, pentru o tranzac\u021bie curat\u0103, ipoteca trebuie radiat\u0103 \u00eenainte de v\u00e2nzare. Cump\u0103r\u0103torii \u0219i b\u0103ncile lor nu accept\u0103 de obicei imobile cu sarcini. De aceea, notarii recomand\u0103 radierea ipotecii \u00eenainte de semnarea contractului.<\/p>\n<h3>5. Radierea ipotecii este diferit\u0103 pentru Prima sau Noua Cas\u0103?<\/h3>\n<p>Da. Pentru aceste programe, banca trebuie s\u0103 ob\u021bin\u0103 \u0219i acordul de radiere de la FNGCIMM, ceea ce poate prelungi procedura p\u00e2n\u0103 la 30 de zile. \u00cen rest, pa\u0219ii sunt asem\u0103n\u0103tori cu cei ai unui credit ipotecar standard.<\/p>\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\"> 6<\/span> <span class=\"rt-label rt-postfix\">minute<\/span><\/span>Radierea Ipotecii Dup\u0103 Achitare Credit Radierea Ipotecii Dup\u0103 Achitare Credit Radierea ipotecii este pasul care urmeaz\u0103 dup\u0103 achitarea ultimei rate la un credit ipotecar. Pe scurt, radierea ipotecii \u00eenseamn\u0103 \u0219tergerea garan\u021biei (ipoteca) din cartea funciar\u0103. De\u0219i creditul a fost rambursat integral, iar datoria nu mai exist\u0103, ipoteca r\u0103m\u00e2ne \u00eenscris\u0103 pe imobil p\u00e2n\u0103 c\u00e2nd proprietarul face demersurile pentru radierea ei. Acest […]<\/p>\n","protected":false},"author":7,"featured_media":4549,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[223],"tags":[],"class_list":["post-4578","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credite-ipotecare"],"yoast_head":"\n<title>Radiere ipotec\u0103: ce ai de f\u0103cut dup\u0103 ultima rat\u0103 - Blogul 123Credit<\/title>\n<meta name=\"description\" content=\"Radierea ipotecii dup\u0103 achitarea creditului: ce \u00eenseamn\u0103, de ce nu se face automat, ce pa\u0219i urmeaz\u0103, c\u00e2t dureaz\u0103 \u0219i ce costuri implic\u0103.\" \/>\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\/radiere-ipoteca\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Radiere ipotec\u0103: ce ai de f\u0103cut dup\u0103 ultima rat\u0103 - 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