{"id":6088,"date":"2026-08-10T10:00:38","date_gmt":"2026-08-10T07:00:38","guid":{"rendered":"https:\/\/123credit.ro\/blog\/123explicativ-ce-este-cartea-funciara\/"},"modified":"2026-08-10T10:00:39","modified_gmt":"2026-08-10T07:00:39","slug":"123explicativ-ce-este-cartea-funciara","status":"publish","type":"post","link":"https:\/\/123credit.ro\/blog\/123explicativ-ce-este-cartea-funciara\/","title":{"rendered":"123Explicativ: Ce este cartea funciar\u0103?"},"content":{"rendered":"Timpul estimat pentru citire: <\/span> 3<\/span> minute<\/span><\/span>

123Explicativ: Ce este cartea funciar\u0103?<\/h1>\n

Defini\u021bie<\/h2>\n

Cartea funciar\u0103 este registrul public \u00een care este \u00eenscris un imobil: ce este, cine \u00eel de\u021bine \u0219i ce sarcini apas\u0103 asupra lui. Se \u021bine de Agen\u021bia Na\u021bional\u0103 de Cadastru \u0219i Publicitate Imobiliar\u0103, prin oficiile jude\u021bene.<\/p>\n

Dac\u0103 apartamentul are un buletin, acela e cartea funciar\u0103. Tot ce s-a \u00eent\u00e2mplat cu el din punct de vedere juridic e scris acolo.<\/p>\n

Cele trei p\u0103r\u021bi<\/h2>\n

O carte funciar\u0103 are trei foi, iar fiecare r\u0103spunde la o \u00eentrebare diferit\u0103.<\/p>\n

    \n
  • Partea I (foaia A)<\/strong> \u2013 descrierea imobilului. Ce este: teren, apartament, cas\u0103. Suprafa\u021b\u0103, num\u0103r cadastral, adres\u0103, vecin\u0103t\u0103\u021bi.<\/li>\n
  • Partea a II-a (foaia B)<\/strong> \u2013 proprietatea. Cine este proprietarul \u0219i cum a dob\u00e2ndit imobilul: cump\u0103rare, mo\u0219tenire, dona\u021bie, partaj.<\/li>\n
  • Partea a III-a (foaia C)<\/strong> \u2013 sarcinile. Aici e partea interesant\u0103: ipoteci, interdic\u021bii de \u00eenstr\u0103inare \u0219i grevare, servitu\u021bi, sechestre, litigii \u00een curs.<\/li>\n<\/ul>\n

    Ordinea nu e \u00eent\u00e2mpl\u0103toare. Partea I \u00ee\u021bi spune ce cumperi, partea a II-a de la cine, iar partea a III-a dac\u0103 po\u021bi.<\/p>\n

    Exemplu concret<\/h2>\n

    Vrei s\u0103 cumperi un apartament. V\u00e2nz\u0103torul spune c\u0103 e liber de sarcini.<\/p>\n

    Ceri extrasul de carte funciar\u0103 \u0219i vezi la partea a III-a o ipotec\u0103 \u00een favoarea unei b\u0103nci, plus o interdic\u021bie de \u00eenstr\u0103inare. \u00censeamn\u0103 c\u0103 apartamentul e garan\u021bie pentru un credit neachitat \u00eenc\u0103. Tranzac\u021bia e posibil\u0103, dar trebuie construit\u0103 altfel: creditul v\u00e2nz\u0103torului se stinge din pre\u021bul de v\u00e2nzare, iar ipoteca se radiaz\u0103 la notar, \u00een aceea\u0219i zi.<\/p>\n

    F\u0103r\u0103 extras, ai fi aflat asta \u00een ziua semn\u0103rii. Sau dup\u0103.<\/p>\n

    Extras de informare sau extras pentru autentificare?<\/h2>\n

    Sunt dou\u0103 documente diferite \u0219i se confund\u0103 des.<\/p>\n\n\n\n\n\n
    <\/th>\nExtras de informare<\/th>\nExtras pentru autentificare<\/th>\n<\/tr>\n
    Cine \u00eel poate cere<\/strong><\/td>\norice persoan\u0103<\/td>\ndoar notarul public<\/td>\n<\/tr>\n
    La ce folose\u0219te<\/strong><\/td>\nverificare, documentare<\/td>\nsemnarea actului de v\u00e2nzare<\/td>\n<\/tr>\n
    Efect asupra c\u0103r\u021bii funciare<\/strong><\/td>\nniciunul<\/td>\nblocheaz\u0103 cartea funciar\u0103 10 zile lucr\u0103toare<\/td>\n<\/tr>\n<\/table>\n

    Blocarea conteaz\u0103. \u00cen acele zile, nimeni nu mai poate \u00eenscrie nimic asupra imobilului, deci v\u00e2nz\u0103torul nu \u00eel mai poate ipoteca sau vinde altcuiva \u00eentre momentul verific\u0103rii \u0219i momentul semn\u0103rii.<\/p>\n

    Extrasul de informare se poate ob\u021bine online, prin platforma de pl\u0103\u021bi electronice a ANCPI, f\u0103r\u0103 s\u0103 te deplasezi la ghi\u0219eu.<\/p>\n

    Ce leg\u0103tur\u0103 are cu creditul ipotecar?<\/h2>\n

    La un credit ipotecar, cartea funciar\u0103 e \u201ccartea de identitate a propriet\u0103\u021bi\u201d, documentul \u00een jurul c\u0103ruia se \u00eenv\u00e2rte tot dosarul. Adresa din cartea funciar\u0103, de exemplu, trebuie s\u0103 fie identic\u0103 \u00een toate documentele.<\/p>\n

      \n
    1. Banca cere extrasul ca s\u0103 verifice c\u0103 imobilul exist\u0103 a\u0219a cum e declarat \u0219i c\u0103 v\u00e2nz\u0103torul e \u00eentr-adev\u0103r proprietar.<\/li>\n
    2. Evaluatorul lucreaz\u0103 pe datele din partea I: suprafa\u021b\u0103, num\u0103r cadastral, tip de imobil.<\/li>\n
    3. Dup\u0103 semnarea contractului, banca \u00ee\u0219i \u00eenscrie ipoteca \u00een partea a III-a, \u00eempreun\u0103 cu interdic\u021bia de \u00eenstr\u0103inare. Din acel moment, nu po\u021bi vinde f\u0103r\u0103 acordul ei.<\/li>\n
    4. C\u00e2nd achi\u021bi ultima rat\u0103, ipoteca nu dispare singur\u0103. Trebuie f\u0103cut\u0103 radierea ipotecii, altfel sarcina r\u0103m\u00e2ne \u00eenscris\u0103 \u0219i \u00ee\u021bi blocheaz\u0103 o v\u00e2nzare viitoare.<\/li>\n<\/ol>\n

      Un imobil cu situa\u021bie neclar\u0103 \u00een cartea funciar\u0103, litigii, mo\u0219teniri neintabulate sau suprafe\u021be care nu corespund, \u00eent\u00e2rzie sau blocheaz\u0103 creditul, indiferent c\u00e2t de bine stai tu cu veniturile.<\/p>\n

      Regula practic\u0103<\/h2>\n

      Cere extrasul de carte funciar\u0103 \u00eenainte de a pl\u0103ti orice avans, nu dup\u0103. Cost\u0103 c\u00e2teva zeci de lei \u0219i se ob\u021bine \u00een c\u00e2teva ore. Un avans dat pentru un imobil cu sarcini ascunse se recupereaz\u0103, \u00een cel mai bun caz, \u00een instan\u021b\u0103.<\/p>\n","protected":false},"excerpt":{"rendered":"

      Timpul estimat pentru citire: <\/span> 3<\/span> minute<\/span><\/span>123Explicativ: Ce este cartea funciar\u0103? Defini\u021bie Cartea funciar\u0103 este registrul public \u00een care este \u00eenscris un imobil: ce este, cine \u00eel de\u021bine \u0219i ce sarcini apas\u0103 asupra lui. Se \u021bine de Agen\u021bia Na\u021bional\u0103 de Cadastru \u0219i Publicitate Imobiliar\u0103, prin oficiile jude\u021bene. Dac\u0103 apartamentul are un buletin, acela e cartea funciar\u0103. Tot ce s-a \u00eent\u00e2mplat cu el din punct de vedere […]<\/p>\n","protected":false},"author":8,"featured_media":6021,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[263],"tags":[],"class_list":["post-6088","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-123explicativ"],"yoast_head":"\n123Explicativ: Ce este cartea funciar\u0103? - Blogul 123Credit<\/title>\n<meta name=\"description\" content=\"Cartea funciar\u0103 explicat\u0103 simplu: cele trei foi, diferen\u021ba dintre extrasul de informare \u0219i cel pentru autentificare \u0219i ce verific\u0103 banca acolo.\" \/>\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-ce-este-cartea-funciara\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"123Explicativ: Ce este cartea funciar\u0103? 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