{"id":4770,"date":"2026-03-05T10:00:24","date_gmt":"2026-03-05T08:00:24","guid":{"rendered":"https:\/\/blog.123credit.ro\/qa-cu-123-despre-garanti-si-codebitori\/"},"modified":"2026-03-05T10:00:24","modified_gmt":"2026-03-05T08:00:24","slug":"qa-cu-123-despre-garanti-si-codebitori","status":"publish","type":"post","link":"https:\/\/123credit.ro\/blog\/qa-cu-123-despre-garanti-si-codebitori\/","title":{"rendered":"Despre garan\u021bi \u0219i codebitori – Q&A cu 123"},"content":{"rendered":"Timpul estimat pentru citire: <\/span> 2<\/span> minute<\/span><\/span>

Ai \u00eentreb\u0103ri? Avem r\u0103spunsuri!<\/h1>\n

\u00cen aceast\u0103 sec\u021biune adun\u0103m cele mai frecvente \u00eentreb\u0103ri pe care le primim de la clien\u021bii \u0219i urm\u0103ritorii 123Credit de pe re\u021belele sociale. Le r\u0103spundem scurt \u0219i la obiect, iar dac\u0103 nu g\u0103se\u0219ti ce cau\u021bi, po\u021bi oric\u00e2nd s\u0103 ne contactezi.<\/p>\n

\u00centreb\u0103ri frecvente despre garan\u021bi \u0219i codebitori<\/h2>\n

Ce este un codebitor (copl\u0103titor)?<\/h3>\n

O persoan\u0103 care semneaz\u0103 contractul de credit al\u0103turi de tine \u0219i \u00ee\u0219i asum\u0103 acelea\u0219i obliga\u021bii de plat\u0103. Veniturile codebitorului se adun\u0103 cu ale tale pentru a calcula suma maxim\u0103 pe care o po\u021bi \u00eemprumuta.<\/p>\n

Ce este un garant (girant)?<\/h3>\n

O persoan\u0103 care garanteaz\u0103 c\u0103 va pl\u0103ti creditul dac\u0103 tu nu o faci. Diferen\u021ba-cheie: garantul intervine doar c\u00e2nd debitorul principal nu mai pl\u0103te\u0219te. E o „plas\u0103 de siguran\u021b\u0103” pentru banc\u0103.<\/p>\n

Care e diferen\u021ba principal\u0103 \u00eentre codebitor \u0219i garant?<\/h3>\n

Codebitorul e responsabil de plat\u0103 din prima zi, solidar cu tine. Garantul intervine doar dac\u0103 tu (\u0219i eventual codebitorul) nu mai pl\u0103ti\u021bi. La codebitor, veniturile se cumuleaz\u0103 pentru calculul creditului; la garant, de regul\u0103, nu.<\/p>\n

Cine poate fi codebitor?<\/h3>\n

De obicei, membrii familiei: so\u021b\/so\u021bie, p\u0103rin\u021bi, copii majori, fra\u021bi. Trebuie s\u0103 \u00eendeplineasc\u0103 acelea\u0219i condi\u021bii ca debitorul principal: venit stabil, istoric bun la Biroul de Credit, v\u00e2rst\u0103 corespunz\u0103toare.<\/p>\n

Cine poate fi garant?<\/h3>\n

Persoane fizice (rude, prieteni) sau chiar persoane juridice. Condi\u021biile variaz\u0103 per banc\u0103. Unele b\u0103nci accept\u0103 garan\u021bi care pun la dispozi\u021bie un bun (garant ipotecar), nu neap\u0103rat venituri.<\/p>\n

Ce obliga\u021bii are codebitorul?<\/h3>\n

Acelea\u0219i ca debitorul principal. Dac\u0103 titularul nu pl\u0103te\u0219te, banca poate cere codebitorului s\u0103 achite integral creditul (nu doar o parte, ci toat\u0103 suma restant\u0103 plus penalit\u0103\u021bi).<\/p>\n

Ce obliga\u021bii are garantul?<\/h3>\n

S\u0103 pl\u0103teasc\u0103 datoria dac\u0103 debitorul principal (\u0219i codebitorul, dac\u0103 exist\u0103) nu o face. \u00cen func\u021bie de tipul de garan\u021bie, poate r\u0103spunde cu veniturile sau cu un bun pus \u00een garan\u021bie.<\/p>\n

Se vede la Biroul de Credit dac\u0103 sunt codebitor?<\/h3>\n

Da. Creditul apare \u00een istoricul ambilor: debitor \u0219i codebitor. Orice \u00eent\u00e2rziere la plat\u0103 afecteaz\u0103 scorul de credit al am\u00e2ndurora.<\/p>\n

\u00cemi afecteaz\u0103 capacitatea de creditare dac\u0103 sunt codebitor?<\/h3>\n

Da, semnificativ. Creditul pentru care e\u0219ti codebitor intr\u0103 \u00een calculul gradului t\u0103u de \u00eendatorare. Dac\u0103 vrei s\u0103 iei un credit propriu ulterior, suma disponibil\u0103 va fi mai mic\u0103.<\/p>\n

Pot fi codebitor dac\u0103 am deja alte credite?<\/h3>\n

Da, dar creditele tale existente plus cel la care devii codebitor nu trebuie s\u0103 dep\u0103\u0219easc\u0103 40% din venitul net cumulat.<\/p>\n

Codebitorul are drepturi asupra bunului cump\u0103rat?<\/h3>\n

Nu automat. Dac\u0103 e\u0219ti codebitor la un credit ipotecar, asta nu \u00eenseamn\u0103 c\u0103 e\u0219ti \u0219i coproprietar al locuin\u021bei, dec\u00e2t dac\u0103 figurezi \u0219i pe actele de proprietate.<\/p>\n","protected":false},"excerpt":{"rendered":"

Timpul estimat pentru citire: <\/span> 2<\/span> minute<\/span><\/span>Ai \u00eentreb\u0103ri? Avem r\u0103spunsuri! \u00cen aceast\u0103 sec\u021biune adun\u0103m cele mai frecvente \u00eentreb\u0103ri pe care le primim de la clien\u021bii \u0219i urm\u0103ritorii 123Credit de pe re\u021belele sociale. Le r\u0103spundem scurt \u0219i la obiect, iar dac\u0103 nu g\u0103se\u0219ti ce cau\u021bi, po\u021bi oric\u00e2nd s\u0103 ne contactezi. \u00centreb\u0103ri frecvente despre garan\u021bi \u0219i codebitori Ce este un codebitor (copl\u0103titor)? O persoan\u0103 care semneaz\u0103 contractul de […]<\/p>\n","protected":false},"author":15,"featured_media":4718,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[264],"tags":[],"class_list":["post-4770","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-qa-cu-123"],"yoast_head":"\nDespre garan\u021bi \u0219i codebitori - Q&A cu 123 - Blogul 123Credit<\/title>\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\/qa-cu-123-despre-garanti-si-codebitori\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Despre garan\u021bi \u0219i codebitori - Q&A cu 123 - Blogul 123Credit\" \/>\n<meta property=\"og:description\" content=\"Timpul estimat pentru citire: 2 minuteAi \u00eentreb\u0103ri? Avem r\u0103spunsuri! \u00cen aceast\u0103 sec\u021biune adun\u0103m cele mai frecvente \u00eentreb\u0103ri pe care le primim de la clien\u021bii \u0219i urm\u0103ritorii 123Credit de pe re\u021belele sociale. Le r\u0103spundem scurt \u0219i la obiect, iar dac\u0103 nu g\u0103se\u0219ti ce cau\u021bi, po\u021bi oric\u00e2nd s\u0103 ne contactezi. \u00centreb\u0103ri frecvente despre garan\u021bi \u0219i codebitori Ce este un codebitor (copl\u0103titor)? 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