{"id":6074,"date":"2026-08-06T10:00:38","date_gmt":"2026-08-06T07:00:38","guid":{"rendered":"https:\/\/123credit.ro\/blog\/dragos-muresan-broker-de-credite-cluj-napoca\/"},"modified":"2026-08-06T10:00:39","modified_gmt":"2026-08-06T07:00:39","slug":"dragos-muresan-broker-de-credite-cluj-napoca","status":"publish","type":"post","link":"https:\/\/123credit.ro\/blog\/dragos-muresan-broker-de-credite-cluj-napoca\/","title":{"rendered":"Drago\u0219 Mure\u0219an, broker de credite \u00een Cluj, acum \u00een re\u021beaua 123Credit"},"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><h1>Drago\u0219 Mure\u0219an &#8211; Broker de Credite Experimentat<\/h1>\n<p>Drago\u0219 Mure\u0219an, broker de credite cu 11 ani de experien\u021b\u0103 \u00een domeniu (dintre care 6 \u00een b\u0103nci), s-a al\u0103turat re\u021belei 123Credit \u0219i lucreaz\u0103 cu clien\u021bi din Cluj-Napoca, at\u00e2t persoane fizice, c\u00e2t \u0219i firme.<\/p>\n<p>Intermediaz\u0103 credite imobiliare \u0219i refinan\u021b\u0103ri ipotecare, leasing auto, credite pentru PJ \u0219i finan\u021b\u0103ri prin IFN. Cea mai mare parte a activit\u0103\u021bii sale e pe zona de credite ipotecare, unde a lucrat peste 100 de dosare.<\/p>\n<p>A intrat \u00een banc\u0103 la 23 de ani \u0219i s-a specializat, din primul an, pe creditele de construc\u021bii \u0219i amenajare. A fost anul \u00een care a consiliat cei mai mul\u021bi clien\u021bi care voiau s\u0103-\u0219i construiasc\u0103 o cas\u0103. A r\u0103mas \u00een sistem p\u00e2n\u0103 \u00een 2021, trec\u00e2nd prin mai multe b\u0103nci, iar apoi a trecut la brokeraj.<\/p>\n<h2>Cum lucreaz\u0103 Drago\u0219<\/h2>\n<p>Cel mai bine se vede dintr-un singur dosar, cel de care \u00eenc\u0103 vorbe\u0219te.<\/p>\n<p>A reu\u0219it s\u0103 finan\u021beze un client pentru amenajarea locuin\u021bei dup\u0103 o munc\u0103 de un an. Pe parcurs, clientul chiar \u00eencetase s\u0103 mai cread\u0103 c\u0103 va ob\u021bine creditul. Datorit\u0103 lui Drago\u0219, \u00eens\u0103, a fost aprobat.<\/p>\n<p>Despre primul lui an \u00een banc\u0103, petrecut tot pe credite de construc\u021bii \u0219i amenajare, Drago\u0219 spune c\u0103 a fost piatra de temelie a tot ce a urmat. Ajut\u0103 s\u0103 \u0219tii ce caut\u0103 analistul de risc de la cel\u0103lalt cap\u0103t al firului. A fost, pentru mai bine de un deceniu, exact acel om.<\/p>\n<p>Atunci c\u00e2nd un dosar e preg\u0103tit bine, clientul nu simte niciun &#8222;hop&#8221;. Norbert K., care a cump\u0103rat un apartament prin Drago\u0219, afirm\u0103:<\/p>\n<blockquote>\n<p>\u201eC\u00e2nd ne-am decis s\u0103 cump\u0103r\u0103m apartamentul, nu ne g\u00e2ndeam c\u0103 lucrurile vor decurge at\u00e2t de u\u0219or. Asta \u021bi se datoreaz\u0103 \u021bie, Drago\u0219! Mul\u021bumim!&#8221;<\/p>\n<\/blockquote>\n<h2>Ce tipuri de credite intermediaz\u0103<\/h2>\n<p>Drago\u0219 acoper\u0103 majoritatea tipurilor de finan\u021bare de pe pia\u021b\u0103, at\u00e2t pentru persoane fizice, c\u00e2t \u0219i pentru firme:<\/p>\n<ul>\n<li>Credite imobiliare pentru achizi\u021bia unei locuin\u021be, construc\u021bii de la zero, amenaj\u0103ri<\/li>\n<li>Refinan\u021b\u0103ri, pentru cine are deja un credit \u0219i vrea o dob\u00e2nd\u0103 mai bun\u0103<\/li>\n<li>Leasing auto persoane fizice \u0219i firme<\/li>\n<li>Credite pentru firme (capital de lucru, investi\u021bii, linii de credit)<\/li>\n<li>Credite de la IFN, pentru situa\u021bii care nu trec de criteriile bancare clasice<\/li>\n<\/ul>\n<h2>De ce conteaz\u0103 un broker care a lucrat \u00een banc\u0103<\/h2>\n<p>Diferen\u021ba nu e accesul la oferte. Ofertele le vede oricine, sunt publice.<\/p>\n<p>Diferen\u021ba e c\u0103 un fost bancher \u0219tie de ce se respinge un dosar. Un venit declarat corect, dar prezentat prost. O datorie mic\u0103 r\u0103mas\u0103 ne\u00eenchis\u0103 \u00een Biroul de Credit. Un tip de contract de munc\u0103 pe care o banc\u0103 \u00eel accept\u0103 \u0219i alta nu.<\/p>\n<p>Pe unele tipuri de finan\u021bare, marja de eroare e \u0219i mai mic\u0103. La creditul de construc\u021bie, de exemplu, banii nu se vireaz\u0103 integral la semnare, ci \u00een tran\u0219e: ca s\u0103 o prime\u0219ti pe urm\u0103toarea, trebuie s\u0103 dovede\u0219ti cu facturi, chitan\u021be sau raport de evaluare ce ai f\u0103cut cu cea dinainte. Finan\u021barea merge \u00een ritmul h\u00e2rtiilor, nu al \u0219antierului, iar un dosar prost preg\u0103tit nu e doar un refuz, e o lucrare \u201cpus\u0103 pe pauz\u0103\u201d.<\/p>\n<p>Drago\u0219 lucreaz\u0103 cu clien\u021bi din Cluj-Napoca \u0219i din zona limitrof\u0103, iar pentru dosarele care nu cer prezen\u021b\u0103 fizic\u0103, la nivel na\u021bional.<\/p>\n<h2>De unde po\u021bi \u00eencepe<\/h2>\n<p>Dac\u0103 ai un proiect de finan\u021bare care nu arat\u0103 simplu pe h\u00e2rtie (o construc\u021bie, o amenajare, un dosar respins deja undeva), merit\u0103 o discu\u021bie \u00eenainte s\u0103 depui la ghi\u0219eu. Consultan\u021ba e gratuit\u0103 \u0219i, de cele mai multe ori, clarific\u0103 lucrurile.<\/p>\n<p><a href=\"pagina-web-personala-a-lui-dragos\" target=\"_blank\">Contacteaz\u0103-l direct pe pagina web personal\u0103.<\/a><\/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\"> 3<\/span> <span class=\"rt-label rt-postfix\">minute<\/span><\/span>Drago\u0219 Mure\u0219an &#8211; Broker de Credite Experimentat Drago\u0219 Mure\u0219an, broker de credite cu 11 ani de experien\u021b\u0103 \u00een domeniu (dintre care 6 \u00een b\u0103nci), s-a al\u0103turat re\u021belei 123Credit \u0219i lucreaz\u0103 cu clien\u021bi din Cluj-Napoca, at\u00e2t persoane fizice, c\u00e2t \u0219i firme. Intermediaz\u0103 credite imobiliare \u0219i refinan\u021b\u0103ri ipotecare, leasing auto, credite pentru PJ \u0219i finan\u021b\u0103ri prin IFN. Cea mai mare parte a  [&#8230;]<\/p>\n","protected":false},"author":7,"featured_media":6030,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[253],"tags":[],"class_list":["post-6074","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-brokerii-123credit"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Drago\u0219 Mure\u0219an, broker de credite \u00een Cluj, acum \u00een re\u021beaua 123Credit - Blogul 123Credit<\/title>\n<meta name=\"description\" content=\"Cu 11 ani experien\u021b\u0103 \u00een banking, Drago\u0219 Mure\u0219an, broker de credite \u00een Cluj-Napoca, s-a al\u0103turat re\u021belei 123Credit.\" \/>\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\/dragos-muresan-broker-de-credite-cluj-napoca\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Drago\u0219 Mure\u0219an, broker de credite \u00een Cluj, acum \u00een re\u021beaua 123Credit - 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