{"id":589,"date":"2023-10-25T10:25:55","date_gmt":"2023-10-25T07:25:55","guid":{"rendered":"https:\/\/123credit.ro\/blog\/?p=589"},"modified":"2024-08-07T11:37:59","modified_gmt":"2024-08-07T08:37:59","slug":"gradul-de-indatorare-ce-este-si-cum-te-afecteaza","status":"publish","type":"post","link":"https:\/\/123credit.ro\/blog\/gradul-de-indatorare-ce-este-si-cum-te-afecteaza\/","title":{"rendered":"Gradul de \u00eendatorare &#8211; ce este \u0219i cum se calculeaz\u0103?"},"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\"> 2<\/span> <span class=\"rt-label rt-postfix\">minute<\/span><\/span><p>&nbsp;<\/p>\n<p><img decoding=\"async\" class=\" wp-image-600 alignleft\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2023\/10\/Propuneri-vizualuri-Blog-2-1.png\" alt=\"\" width=\"286\" height=\"240\" srcset=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2023\/10\/Propuneri-vizualuri-Blog-2-1-200x168.png 200w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2023\/10\/Propuneri-vizualuri-Blog-2-1-300x251.png 300w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2023\/10\/Propuneri-vizualuri-Blog-2-1-400x335.png 400w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2023\/10\/Propuneri-vizualuri-Blog-2-1-600x503.png 600w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2023\/10\/Propuneri-vizualuri-Blog-2-1-768x644.png 768w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2023\/10\/Propuneri-vizualuri-Blog-2-1-800x671.png 800w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2023\/10\/Propuneri-vizualuri-Blog-2-1.png 940w\" sizes=\"(max-width: 286px) 100vw, 286px\" \/><\/p>\n<p><span style=\"font-weight: 400;\"><strong>Gradul de \u00eendatorare<\/strong> reprezint\u0103 o m\u0103sur\u0103 a propor\u021biei dintre datoriile tale \u0219i veniturile tale lunare. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Este un indicator important folosit de institu\u021biile financiare pentru a evalua capacitatea ta de a rambursa \u00eemprumuturile. Acesta se calculeaz\u0103 de obicei ca o rat\u0103 procentual\u0103 \u0219i va include toate datoriile tale lunare c\u0103tre institu\u021bii financiare, b\u0103nci sau IFN-uri, cum ar fi ratele de credit, pl\u0103\u021bile f\u0103cute pentru cardurile de credit sau overdrafturile utilizate, rate de leasing auto sau rate ale unor finan\u021b\u0103ri pentru achizi\u021bionarea de prodse de la diver\u0219i comercian\u021bi.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\"><strong><span class=\"fe5nidar khvhiq1o r5qsrrlp i5tg98hk f9ovudaz przvwfww gx1rr48f gfz4du6o r7fjleex nz2484kf svot0ezm dcnh1tix sxl192xd t3g6t33p\"><span class=\"mpj7bzys xzlurrtv\">???? <\/span><\/span>Mai simplu spus<\/strong>, gradul de \u00eendatorare reprezint\u0103 valoarea maxim\u0103 pe care o po\u021bi \u00eemprumuta cu venitul lunar pe care \u00eel ai.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\"><strong><span class=\"fe5nidar khvhiq1o r5qsrrlp i5tg98hk f9ovudaz przvwfww gx1rr48f gfz4du6o r7fjleex nz2484kf svot0ezm dcnh1tix sxl192xd t3g6t33p\"><span class=\"mpj7bzys xzlurrtv\">???? <\/span><\/span>Gradul de \u00eendatorare<\/strong> standard este de 40%, dar unul s\u0103n\u0103tos, care nu va pune \u00een timp presiune pe bugetul t\u0103u de cheltuieli este recomandat s\u0103 fie \u00eentre 20% \u0219i 25%. Cu c\u00e2t acesta este mai mic, cu at\u00e2t ai o capacitate mai mare s\u0103 \u00ee\u021bi gestionezi datoriile \u0219i s\u0103 \u00ee\u021bi permi\u021bi s\u0103 rambursezi noi \u00eemprumuturi. <\/span><span style=\"font-weight: 400;\">\u00cen cazul acord\u0103rii unui credit ipotecar pentru achizi\u021bionarea unei prime locuin\u021be, acesta poate merge p\u00e2n\u0103 la 45% din venitul lunar net eligibil.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\"><strong><span class=\"fe5nidar khvhiq1o r5qsrrlp i5tg98hk f9ovudaz przvwfww gx1rr48f gfz4du6o r7fjleex nz2484kf svot0ezm dcnh1tix sxl192xd t3g6t33p\"><span class=\"mpj7bzys xzlurrtv\">???? <\/span><\/span><\/strong><\/span><strong>Exemplu:<\/strong><\/p>\n<p>Pentru un salariu de 3000 lei net pe lun\u0103, rata lunar\u0103 a creditului nu poate fi mai mare de 1350 lei la achizi\u021bionarea primului imobil, respectiv 1200 lei dac\u0103 debitorul are deja \u00een proprietate o locuin\u021b\u0103.<\/p>\n<p>&nbsp;<\/p>\n<p><span class=\"fe5nidar khvhiq1o r5qsrrlp i5tg98hk f9ovudaz przvwfww gx1rr48f gfz4du6o r7fjleex nz2484kf svot0ezm dcnh1tix sxl192xd t3g6t33p\"><span class=\"mpj7bzys xzlurrtv\">???? <\/span><\/span>Pentru a afla rapid \u0219i f\u0103r\u0103 b\u0103t\u0103i de cap c\u00e2t de mult po\u021bi \u00eemprumuta testeaz\u0103 <a href=\"https:\/\/123credit.ro\/calculator-imprumut\">calculatorul nostru de credite<\/a><\/p>\n<p><span style=\"font-weight: 400;\">Acesta \u00ee\u021bi va spune <\/span><span style=\"font-weight: 400;\">care este valoarea maxima a creditului pe care il poti accesa luand in considerare perioada maxima de acordare a creditului (bazata pe varsta ta), gradul de indatorare care se aplica in functie de veniturile si ratele tale active \u0219i rata lunara corelata cu valoarea creditului.<\/span><\/p>\n<p>&nbsp;<\/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\"> 2<\/span> <span class=\"rt-label rt-postfix\">minute<\/span><\/span>&nbsp; Gradul de \u00eendatorare reprezint\u0103 o m\u0103sur\u0103 a propor\u021biei dintre datoriile tale \u0219i veniturile tale lunare. Este un indicator important folosit de institu\u021biile financiare pentru a evalua capacitatea ta de a rambursa \u00eemprumuturile. Acesta se calculeaz\u0103 de obicei ca o rat\u0103 procentual\u0103 \u0219i va include toate datoriile tale lunare c\u0103tre institu\u021bii financiare, b\u0103nci sau IFN-uri, cum ar fi ratele de  [&#8230;]<\/p>\n","protected":false},"author":7,"featured_media":599,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-589","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-cum-alegi-credit-ipotecar"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Gradul de \u00eendatorare - ce este \u0219i cum se calculeaz\u0103? - Blogul 123Credit<\/title>\n<meta name=\"description\" content=\"Gradul de \u00eendatorare reprezint\u0103 o m\u0103sur\u0103 a propor\u021biei dintre datoriile tale \u0219i veniturile tale lunare, reprezint\u0103 valoarea maxim\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\/gradul-de-indatorare-ce-este-si-cum-te-afecteaza\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Gradul de \u00eendatorare - ce este \u0219i cum se calculeaz\u0103? 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