{"id":4785,"date":"2026-03-10T10:00:22","date_gmt":"2026-03-10T08:00:22","guid":{"rendered":"https:\/\/blog.123credit.ro\/123explicativ-active-vs-pasive\/"},"modified":"2026-03-10T10:00:22","modified_gmt":"2026-03-10T08:00:22","slug":"123explicativ-active-vs-pasive","status":"publish","type":"post","link":"https:\/\/123credit.ro\/blog\/123explicativ-active-vs-pasive\/","title":{"rendered":"123Explicativ &#8211; Active vs pasive"},"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><h1>Defini\u021bii<\/h1>\n<p><strong>Activele sunt tot ceea ce de\u021bii \u0219i are valoare (bani, propriet\u0103\u021bi, investi\u021bii). Pasivele sunt tot ce datorezi: credite, rate, facturi restante.<\/strong><\/p>\n<p>Diferen\u021ba dintre ele \u00ee\u021bi arat\u0103 situa\u021bia financiar\u0103 real\u0103:<\/p>\n<p>Active \u2013 Pasive = Avere net\u0103<\/p>\n<h2>Exemplu concret<\/h2>\n<p>S\u0103 presupunem c\u0103 Maria are:<\/p>\n<ul>\n<li>Apartament: 70.000\u20ac<\/li>\n<li>Economii: 8.000\u20ac<\/li>\n<li>Ma\u0219in\u0103: 5.000\u20ac<\/li>\n<\/ul>\n<p>Deci total active: 83.000\u20ac<\/p>\n<p>Dar are \u0219i datorii:<\/p>\n<ul>\n<li>Credit ipotecar r\u0103mas: 45.000\u20ac<\/li>\n<li>Card de credit: 1.000\u20ac<\/li>\n<\/ul>\n<p>Deci total pasive: 46.000\u20ac<\/p>\n<p>Astfel, averea net\u0103 a Mariei este de 37.000\u20ac.<\/p>\n<p>Chiar dac\u0103 are datorii, Maria e pe plus.<\/p>\n<h2>De ce conteaz\u0103 activele \u0219i pasivele pentru credite?<\/h2>\n<p>C\u00e2nd aplici pentru un credit, banca analizeaz\u0103 exact acest raport.<\/p>\n<p>Activele arat\u0103 c\u0103 ai stabilitate \u0219i garan\u021bii. Pasivele arat\u0103 c\u00e2t de \u00eendatorat e\u0219ti deja. Dac\u0103 pasivele sunt prea mari fa\u021b\u0103 de venituri, \u0219ansele de aprobare scad.<\/p>\n<p>Gradul de \u00eendatorare (c\u00e2t din venitul t\u0103u se duce pe rate) nu ar trebui s\u0103 dep\u0103\u0219easc\u0103 40% din venitul net. Peste acest prag, majoritatea b\u0103ncilor refuz\u0103.<\/p>\n<h2>Concluzie<\/h2>\n<p>\u00cenainte s\u0103 iei un credit nou, f\u0103 acest calcul. Dac\u0103 pasivele tale dep\u0103\u0219esc deja activele sau rata de \u00eendatorare e aproape de 40%, poate e momentul s\u0103 reduci din datorii \u00eenainte s\u0103 adaugi altele noi.<\/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>Defini\u021bii Activele sunt tot ceea ce de\u021bii \u0219i are valoare (bani, propriet\u0103\u021bi, investi\u021bii). Pasivele sunt tot ce datorezi: credite, rate, facturi restante. Diferen\u021ba dintre ele \u00ee\u021bi arat\u0103 situa\u021bia financiar\u0103 real\u0103: Active \u2013 Pasive = Avere net\u0103 Exemplu concret S\u0103 presupunem c\u0103 Maria are: Apartament: 70.000\u20ac Economii: 8.000\u20ac Ma\u0219in\u0103: 5.000\u20ac Deci total active: 83.000\u20ac Dar are \u0219i datorii: Credit ipotecar r\u0103mas:  [&#8230;]<\/p>\n","protected":false},"author":8,"featured_media":4713,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[263],"tags":[],"class_list":["post-4785","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-123explicativ"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>123Explicativ - Active vs pasive - 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\/123explicativ-active-vs-pasive\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"123Explicativ - Active vs pasive - Blogul 123Credit\" \/>\n<meta property=\"og:description\" content=\"Timpul estimat pentru citire:  &lt; 1 minutDefini\u021bii Activele sunt tot ceea ce de\u021bii \u0219i are valoare (bani, propriet\u0103\u021bi, investi\u021bii). Pasivele sunt tot ce datorezi: credite, rate, facturi restante. Diferen\u021ba dintre ele \u00ee\u021bi arat\u0103 situa\u021bia financiar\u0103 real\u0103: Active \u2013 Pasive = Avere net\u0103 Exemplu concret S\u0103 presupunem c\u0103 Maria are: Apartament: 70.000\u20ac Economii: 8.000\u20ac Ma\u0219in\u0103: 5.000\u20ac Deci total active: 83.000\u20ac Dar are \u0219i datorii: Credit ipotecar r\u0103mas: [...]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/123credit.ro\/blog\/123explicativ-active-vs-pasive\/\" \/>\n<meta property=\"og:site_name\" content=\"Blogul 123Credit\" \/>\n<meta property=\"article:published_time\" content=\"2026-03-10T08:00:22+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2026\/02\/123explicativ-active-vs-pasive.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"940\" \/>\n\t<meta property=\"og:image:height\" content=\"788\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Sebastian Piu\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Scris de\" \/>\n\t<meta name=\"twitter:data1\" content=\"Sebastian Piu\" \/>\n\t<meta name=\"twitter:label2\" content=\"Timp estimat pentru citire\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/123explicativ-active-vs-pasive\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/123explicativ-active-vs-pasive\\\/\"},\"author\":{\"name\":\"Sebastian Piu\",\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/#\\\/schema\\\/person\\\/797ba521bc02fa382d63361a5e7d35be\"},\"headline\":\"123Explicativ &#8211; 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