{"id":605,"date":"2023-10-30T12:39:33","date_gmt":"2023-10-30T10:39:33","guid":{"rendered":"https:\/\/123credit.ro\/blog\/?p=605"},"modified":"2026-09-14T12:14:39","modified_gmt":"2026-09-14T09:14:39","slug":"credit-ipotecar-cu-indemnizatia-de-crestere-a-copilului","status":"publish","type":"post","link":"https:\/\/123credit.ro\/blog\/credit-ipotecar-cu-indemnizatia-de-crestere-a-copilului\/","title":{"rendered":"Credit ipotecar cu indemniza\u021bia de cre\u0219tere a copilului"},"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\"> 3<\/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_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-1\"><p><img decoding=\"async\" class=\"wp-image-606 alignleft\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2023\/10\/Propuneri-vizualuri-Blog-3.png\" alt=\"\" width=\"349\" height=\"293\" srcset=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2023\/10\/Propuneri-vizualuri-Blog-3-200x168.png 200w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2023\/10\/Propuneri-vizualuri-Blog-3-300x251.png 300w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2023\/10\/Propuneri-vizualuri-Blog-3-400x335.png 400w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2023\/10\/Propuneri-vizualuri-Blog-3-600x503.png 600w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2023\/10\/Propuneri-vizualuri-Blog-3-768x644.png 768w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2023\/10\/Propuneri-vizualuri-Blog-3-800x671.png 800w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2023\/10\/Propuneri-vizualuri-Blog-3.png 940w\" sizes=\"(max-width: 349px) 100vw, 349px\" \/><\/p>\n<p>\u00cen aceast\u0103 perioad\u0103 minunat\u0103 a vie\u021bii, c\u00e2nd te concentrezi pe cre\u0219terea micu\u021bului t\u0103u, poate ap\u0103rea \u0219i \u00eentrebarea: &#8222;Pot ob\u021bine oare un credit ipotecar cu indemniza\u021bia de cre\u0219tere a copilului?&#8221;<\/p>\n<p>Atunci c\u00e2nd te afli \u00een concediul de cre\u0219tere a copilului, prime\u0219ti o indemniza\u021bie lunar\u0103 de 85% din media veniturilor nete din ultimele 12 luni (minimum 1.651 lei \u0219i maximum 8.500 lei brut). Din august 2025, din indemniza\u021bie se re\u021bine la surs\u0103 <a href=\"https:\/\/www.avocatnet.ro\/articol_71301\/Indemniza%C8%9Bia-de-cre%C8%99tere-in-2026-condi%C8%9Bii-de-acordare-%C8%99i-un-calculator-estimativ-pentru-valoarea-acesteia.html\">contribu\u021bia de s\u0103n\u0103tate (CASS) de 10%<\/a>, astfel c\u0103 suma \u00eencasat\u0103 efectiv este \u00eentre aproximativ 1.486 \u0219i 7.650 lei. Aceasta este suma pe care banca o ia \u00een calcul la analiza dosarului.<\/p>\n<p><span style=\"font-weight: 400;\">Acest tip de venit este acceptat de <strong>aproape toate b\u0103ncile<\/strong> pentru acordarea de credite, at\u00e2t de nevoi personale c\u00e2t \u0219i ipotecare.<\/span><\/p>\n<h2 class=\"fusion-responsive-typography-calculated\" style=\"font-size: 23px; --fontsize: 23; line-height: 1.2; --minfontsize: 23;\" data-fontsize=\"23\" data-lineheight=\"27.6px\"><strong>Acceptarea indemniza\u021biei de cre\u0219tere a copilului pentru credit ipotecar<\/strong><\/h2>\n<p>Indemniza\u021bia de cre\u0219tere a copilului este acceptat\u0103 de majoritatea b\u0103ncilor pentru acordarea creditelor ipotecare \u0219i de nevoi personale, la valoarea net\u0103 \u00eencasat\u0103 \u00een cont. Aten\u021bie la plafon: oric\u00e2t de mare a fost salariul t\u0103u, indemniza\u021bia nu dep\u0103\u0219e\u0219te 8.500 lei brut, deci \u0219i suma pe care o po\u021bi \u00eemprumuta pe perioada concediului se calculeaz\u0103 la acest nivel.<\/p>\n<h2 class=\"fusion-responsive-typography-calculated\" style=\"font-size: 23px; --fontsize: 23; line-height: 1.2; --minfontsize: 23;\" data-fusion-font=\"true\" data-fontsize=\"23\" data-lineheight=\"27.6px\"><strong>Criterii importante pentru ob\u021binerea creditului ipotecar<\/strong><\/h2>\n<p>Pentru a aplica cu succes la un credit ipotecar \u00een timpul concediului de cre\u0219tere a copilului, este esen\u021bial s\u0103 ai un istoric de creditare curat, f\u0103r\u0103 \u00eent\u00e2rzieri raportate la Biroul de Credit. Acest aspect influen\u021beaz\u0103 scorul FICO, care joac\u0103 un rol crucial \u00een aprobarea creditului. Verific\u0103 scorul t\u0103u gratuit pe <b>123credit<\/b>.ro \u0219i optimizeaz\u0103-\u021bi profilul pentru a avea \u0219anse mai mari.<\/p>\n<p>Un criteriu important care trebuie \u00eendeplinit \u00een cazul aplic\u0103rii pentru un credit ipotecar \u00een timpul concediului de cre\u0219tere a copilului este s\u0103 ai un istoric <span style=\"font-weight: 400;\">de creditare f\u0103r\u0103 \u00eent\u00e2rzieri raportate la Biroul de credit.<\/span><\/p>\n<div class=\"video-shortcode\">\n<blockquote class=\"tiktok-embed\" cite=\"https:\/\/www.tiktok.com\/@123credit.ro\/video\/7551829756363164950\" data-video-id=\"7551829756363164950\" data-embed-from=\"oembed\" style=\"max-width:605px; min-width:325px;\">\n<section> <a target=\"_blank\" title=\"@123credit.ro\" href=\"https:\/\/www.tiktok.com\/@123credit.ro?refer=embed\">@123credit.ro<\/a> <\/p>\n<p>E\u0219ti \u00een concediu de maternitate? Afl\u0103 dac\u0103 po\u021bi lua credit \ud83d\udc76\ud83d\udcb3 123Credit Maternitate Credit Responsabil fyp<\/p>\n<p> <a target=\"_blank\" title=\"\u266c Aesthetic - Tollan Kim\" href=\"https:\/\/www.tiktok.com\/music\/Aesthetic-7072513628145977346?refer=embed\">\u266c Aesthetic &#8211; Tollan Kim<\/a> <\/section>\n<\/blockquote>\n<p> <script async src=\"https:\/\/www.tiktok.com\/embed.js\"><\/script><\/div>\n<h3 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 26; line-height: 1.2;\" data-fontsize=\"26\" data-lineheight=\"31.2px\"><strong>De ce documente vei avea nevoie?<\/strong><\/h3>\n<ul>\n<li><span style=\"font-weight: 400;\">Copia contractului individual de munc\u0103<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Decizia privind acordarea \u0219i plata indemniza\u021biei de cre\u0219tere copil<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Extrasul de cont cu \u00eencasarea ultimei indemniza\u021bii de cre\u0219tere copil<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Op\u021bional, adeverin\u021ba de venit cu ultimele 3 salarii \u00eentregi \u00eencasate \u00eenainte de intrarea \u00een concediul de cre\u0219tere copil<\/span><\/li>\n<\/ul>\n<p>Dac\u0103 vrei s\u0103 verifici ce sum\u0103 po\u021bi \u00eemprumuta, <em><strong><a href=\"https:\/\/123credit.ro\/calculator-imprumut?_gl=1*1kn9yy8*_ga*MjAzNDE5MDQ4MS4xNjkwODcxOTU2*_ga_XW643FS4P9*MTY5ODY1OTQ2Ny4xODguMS4xNjk4NjYyMDc1LjI3LjAuMA..\"><span style=\"text-decoration: underline;\">calculatorul 123credit<\/span><\/a><\/strong><\/em> \u00ee\u021bi poate fi de mare ajutor, simplu \u0219i f\u0103r\u0103 nici un cost.<\/p>\n<h2 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><strong><span style=\"font-size: 28px;\" data-fusion-font=\"true\">\u00centreb\u0103ri frecvente<\/span><\/strong><\/h2>\n<h3 class=\"fusion-responsive-typography-calculated\" style=\"font-size: 19px; --fontsize: 19; line-height: 1.2; --minfontsize: 19;\" data-fusion-font=\"true\" data-fontsize=\"19\" data-lineheight=\"22.8px\"><strong>1. Pot ob\u021bine un credit ipotecar doar cu indemniza\u021bia de cre\u0219tere a copilului?<\/strong><\/h3>\n<p>Da, \u00eens\u0103 anumite b\u0103nci pot solicita un codebitor pentru a suplimenta veniturile. \u00cen plus, este important s\u0103 ai un istoric de creditare f\u0103r\u0103 \u00eent\u00e2rzieri \u0219i s\u0103 \u00eendepline\u0219ti alte criterii de eligibilitate impuse de banc\u0103.<\/p>\n<h3 class=\"fusion-responsive-typography-calculated\" style=\"font-size: 19px; --fontsize: 19; line-height: 1.2; --minfontsize: 19;\" data-fusion-font=\"true\" data-fontsize=\"19\" data-lineheight=\"22.8px\"><strong>2. B\u0103ncile accept\u0103 indemniza\u021bia de cre\u0219tere a copilului \u00een calitate de codebitor?<\/strong><\/h3>\n<p>Da, unele b\u0103nci accept\u0103 indemniza\u021bia de cre\u0219tere a copilului doar dac\u0103 persoana care o prime\u0219te este \u00een calitate de codebitor \u0219i nu de titular principal al creditului.<\/p>\n<h3 class=\"fusion-responsive-typography-calculated\" style=\"font-size: 19px; --fontsize: 19; line-height: 1.2; --minfontsize: 19;\" data-fusion-font=\"true\" data-fontsize=\"19\" data-lineheight=\"22.8px\"><strong>3. Ce se \u00eent\u00e2mpl\u0103 cu creditul meu dup\u0103 terminarea concediului de cre\u0219tere a copilului?<\/strong><\/h3>\n<p>Dup\u0103 revenirea la locul de munc\u0103, veniturile tale vor cre\u0219te din nou la nivelul salariului \u00eentreg, ceea ce poate \u00eembun\u0103t\u0103\u021bi situa\u021bia financiar\u0103 \u00een raport cu creditul \u0219i poate permite refinan\u021barea sau modificarea condi\u021biilor de rambursare.<\/p>\n<h3><strong>4. Care sunt b\u0103ncile care accept\u0103 indemniza\u021bia pentru cre\u0219terea copilului?<\/strong><\/h3>\n<p>Majoritatea b\u0103ncilor mari din Rom\u00e2nia accept\u0103 indemniza\u021bia ca venit eligibil, dar politicile difer\u0103: unele o accept\u0103 pentru titular, altele doar \u00een calitate de codebitor, iar c\u00e2teva \u00eei aplic\u0103 un coeficient redus la calcul. Lista exact\u0103 se schimb\u0103 periodic, iar un broker 123credit \u00ee\u021bi poate spune pe loc care b\u0103nci se potrivesc situa\u021biei tale.<\/p>\n<h3><strong>5. Exist\u0103 vreun credit online disponibil cu indemniza\u021bie de cre\u0219tere a copilului?<\/strong><\/h3>\n<p>Da, pentru creditele de nevoi personale po\u021bi aplica integral online la mai multe b\u0103nci, cu indemniza\u021bia ca venit. La creditul ipotecar po\u021bi depune cererea \u0219i documentele online, dar semnarea final\u0103 \u0219i partea notarial\u0103 se fac fizic.<\/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\"> 3<\/span> <span class=\"rt-label rt-postfix\">minute<\/span><\/span><\/p>\n","protected":false},"author":7,"featured_media":606,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[223],"tags":[],"class_list":["post-605","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credite-ipotecare"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Credit ipotecar cu indemniza\u021bia de cre\u0219tere a copilului - 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