{"id":6094,"date":"2026-08-13T10:53:19","date_gmt":"2026-08-13T07:53:19","guid":{"rendered":"https:\/\/123credit.ro\/blog\/asigurare-pad\/"},"modified":"2026-08-14T11:02:37","modified_gmt":"2026-08-14T08:02:37","slug":"asigurare-pad","status":"publish","type":"post","link":"https:\/\/123credit.ro\/blog\/asigurare-pad\/","title":{"rendered":"Asigurare PAD: c\u00e2t cost\u0103, ce acoper\u0103 \u0219i de ce nu e suficient\u0103 la credit"},"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\"> 4<\/span> <span class=\"rt-label rt-postfix\">minute<\/span><\/span><p>Asigurarea PAD este poli\u021ba obligatorie de asigurare a locuin\u021bei \u00eempotriva dezastrelor naturale, prev\u0103zut\u0103 de Legea 260\/2008. Acoper\u0103 trei riscuri: cutremur, inunda\u021bie \u0219i alunecare de teren. Orice proprietar de locuin\u021b\u0103 din Rom\u00e2nia are obliga\u021bia legal\u0103 de a o \u00eencheia, indiferent dac\u0103 locuie\u0219te acolo, o \u00eenchiriaz\u0103 sau o \u021bine goal\u0103.<\/p>\n<p>Este, probabil, cea mai ignorat\u0103 obliga\u021bie legal\u0103 din Rom\u00e2nia. \u0218i una dintre cele mai ieftine: cost\u0103 \u00eentre 50 \u0219i 130 de lei pe an.<\/p>\n<h2>Ce acoper\u0103 \u0219i ce nu acoper\u0103<\/h2>\n<p>PAD acoper\u0103 exact trei evenimente, nimic altceva:<\/p>\n<ul>\n<li>cutremur de p\u0103m\u00e2nt;<\/li>\n<li>inunda\u021bii din cauze naturale;<\/li>\n<li>alunec\u0103ri de teren.<\/li>\n<\/ul>\n<p>Nu acoper\u0103 incendiul, explozia, furtul, avaria la instala\u021bii, inundarea de la vecinul de deasupra, spargerea unei \u021bevi sau daunele provocate de tine altcuiva. Toate acestea intr\u0103 \u00een asigurarea facultativ\u0103 a locuin\u021bei, un produs complet diferit.<\/p>\n<p>Aici e sursa celei mai frecvente ne\u00een\u021belegeri: oamenii cred c\u0103, av\u00e2nd PAD, sunt asigura\u021bi. \u00cen realitate, cele mai probabile daune dintr-un apartament, adic\u0103 inunda\u021bia de la vecin \u0219i incendiul, nu sunt acoperite de PAD.<\/p>\n<h2>C\u00e2t cost\u0103 \u0219i ce sum\u0103 prime\u0219ti<\/h2>\n<p>Legea \u00eemparte locuin\u021bele \u00een dou\u0103 tipuri, \u00een func\u021bie de materialele de construc\u021bie.<\/p>\n<table>\n<thead>\n<tr>\n<th>Tip<\/th>\n<th>Materiale<\/th>\n<th>Prim\u0103 anual\u0103<\/th>\n<th>Sum\u0103 asigurat\u0103<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Tip A<\/td>\n<td>beton armat, metal, lemn sau piatr\u0103, cu pere\u021bi din c\u0103r\u0103mid\u0103 sau materiale tratate<\/td>\n<td>130 lei<\/td>\n<td>100.000 lei<\/td>\n<\/tr>\n<tr>\n<td>Tip B<\/td>\n<td>alte materiale, netratate<\/td>\n<td>50 lei<\/td>\n<td>50.000 lei<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Majoritatea apartamentelor din blocurile construite \u00een Rom\u00e2nia intr\u0103 la tipul A.<\/p>\n<p>Poli\u021ba este valabil\u0103 12 luni \u0219i intr\u0103 \u00een vigoare \u00eencep\u00e2nd cu ora 00:00 a celei de-a cincea zile calendaristice de la plata primei \u0219i emiterea contractului. Detaliul e important: dac\u0103 \u00eenchei PAD azi, nu e\u0219ti acoperit azi.<\/p>\n<p>\ud83d\udca1 Suma asigurat\u0103 prin PAD este un plafon fix, nu valoarea locuin\u021bei tale. Un apartament de 90.000 de euro are, prin PAD, o desp\u0103gubire maxim\u0103 de 100.000 de lei. Diferen\u021ba o supor\u021bi tu, dac\u0103 nu ai \u0219i o poli\u021b\u0103 facultativ\u0103.<\/p>\n<h2>Ce se \u00eent\u00e2mpl\u0103 dac\u0103 nu ai PAD<\/h2>\n<p>Trei consecin\u021be, \u00een ordinea probabilit\u0103\u021bii.<\/p>\n<ol>\n<li><strong>Amenda.<\/strong> Lipsa poli\u021bei obligatorii se sanc\u021bioneaz\u0103 contraven\u021bional, iar constatarea revine prim\u0103riilor. \u00cen practic\u0103, verificarea a fost rar\u0103, ceea ce explic\u0103 rata sc\u0103zut\u0103 de acoperire la nivel na\u021bional.<\/li>\n<li><strong>Pierderea dreptului la ajutor de stat.<\/strong> Este consecin\u021ba care conteaz\u0103 cu adev\u0103rat. \u00cen caz de dezastru, proprietarii care nu aveau PAD nu pot primi desp\u0103gubiri din fondurile publice pentru refacerea locuin\u021bei. Legea a fost construit\u0103 tocmai ca statul s\u0103 nu mai fie asigur\u0103torul tuturor.<\/li>\n<li><strong>Blocarea unui credit ipotecar.<\/strong> B\u0103ncile verific\u0103 existen\u021ba PAD ca o condi\u021bie preliminar\u0103 (e obligatoriu s\u0103 fie activ\u0103 \u00eenainte de utilizarea creditului).<\/li>\n<\/ol>\n<h2>De ce banca \u00ee\u021bi cere \u0219i altceva pe l\u00e2ng\u0103 asigurarea PAD<\/h2>\n<p>La un credit ipotecar, imobilul devine garan\u021bia b\u0103ncii. Banca vrea ca acea garan\u021bie s\u0103 existe \u00een continuare \u0219i peste zece ani, indiferent ce se \u00eent\u00e2mpl\u0103.<\/p>\n<p>PAD acoper\u0103 doar trei riscuri \u0219i doar p\u00e2n\u0103 la 100.000 de lei. Pentru o garan\u021bie de 400.000 de lei, e clar insuficient. De aceea, \u00een practic\u0103, la contractarea unui credit ipotecar vei \u00eencheia:<\/p>\n<ol>\n<li>PAD, pentru c\u0103 e obligatoriu prin lege pentru orice locuin\u021b\u0103.<\/li>\n<li>Asigurare facultativ\u0103 a locuin\u021bei, cesionat\u0103 \u00een favoarea b\u0103ncii, la valoarea din raportul de evaluare. Acoper\u0103 incendiu, explozie, avarii la instala\u021bii, fenomene atmosferice \u0219i, de regul\u0103, extinde acoperirea \u0219i pentru riscurile din PAD, peste plafonul acestuia.<\/li>\n<li>Frecvent, o asigurare de via\u021b\u0103 cesionat\u0103 \u00een favoarea b\u0103ncii, care stinge creditul \u00een caz de deces al titularului. <a href=\"#\">Vezi articolul despre asigurarea de via\u021b\u0103 la creditul ipotecar pentru condi\u021bii \u0219i costuri.<\/a><\/li>\n<\/ol>\n<p>Cele trei cost\u0103 \u00eempreun\u0103 c\u00e2teva sute de lei pe an \u0219i intr\u0103 \u00een calculul DAE, adic\u0103 \u00een costul total al creditului.<\/p>\n<h2>Ce merit\u0103 verificat \u00eenainte de a semna<\/h2>\n<ul>\n<li><strong>Po\u021bi alege asigur\u0103torul?<\/strong> La poli\u021ba facultativ\u0103, da, \u00een majoritatea cazurilor, at\u00e2t timp c\u00e2t acoperirea respect\u0103 cerin\u021bele b\u0103ncii. Nu e\u0219ti obligat s\u0103 iei produsul propus la ghi\u0219eu, de\u0219i e cel mai comod.<\/li>\n<li><strong>Suma asigurat\u0103 este corect\u0103?<\/strong> O poli\u021b\u0103 facultativ\u0103 subdimensionat\u0103 \u00eenseamn\u0103 desp\u0103gubire propor\u021bional redus\u0103 \u00een caz de daun\u0103.<\/li>\n<li><strong>Se re\u00eennoie\u0219te automat?<\/strong> PAD nu se re\u00eennoie\u0219te singur\u0103. Dac\u0103 expir\u0103 \u0219i nu o re\u00eennoie\u0219ti, e\u0219ti din nou \u00een afara legii, iar banca \u00ee\u021bi poate re\u021bine acest lucru ca ne\u00eendeplinire a unei obliga\u021bii contractuale.<\/li>\n<\/ul>\n<h2>Concluzie<\/h2>\n<p>Asigurarea PAD cost\u0103 c\u00e2t dou\u0103 pr\u00e2nzuri pe an \u0219i este obligatorie prin lege. Nu \u00ee\u021bi acoper\u0103 \u00eens\u0103 nici pe departe riscurile reale ale unei locuin\u021be, iar la un credit ipotecar este doar primul dintre documentele de asigurare cerute.<\/p>\n<p>Dac\u0103 preg\u0103te\u0219ti un dosar de credit ipotecar \u0219i vrei s\u0103 \u0219tii exact ce poli\u021be \u00ee\u021bi vor cere b\u0103ncile \u0219i c\u00e2t adaug\u0103 ele la costul lunar, discut\u0103 cu un broker 123Credit. Costurile de asigurare sunt una dintre diferen\u021bele care se v\u0103d la DAE, nu la dob\u00e2nda afi\u0219at\u0103.<\/p>\n<p>Informa\u021bii oficiale despre poli\u021ba obligatorie \u0219i lista asigur\u0103torilor autoriza\u021bi se public\u0103 de Pool-ul de Asigurare \u00cempotriva Dezastrelor Naturale pe <a href=\"http:\/\/paidromania.ro\">paidromania.ro<\/a>.<\/p>\n<h2>\u00centreb\u0103ri frecvente<\/h2>\n<h3>Asigurarea PAD este obligatorie pentru apartamente?<\/h3>\n<p>Da. Legea 260\/2008 se aplic\u0103 tuturor locuin\u021belor din Rom\u00e2nia, indiferent dac\u0103 sunt case sau apartamente \u0219i indiferent dac\u0103 sunt locuite, \u00eenchiriate sau nefolosite. Obliga\u021bia revine proprietarului.<\/p>\n<h3>C\u00e2t cost\u0103 asigurarea PAD \u00een 2026?<\/h3>\n<p>130 de lei pe an pentru locuin\u021bele de tip A, construite din materiale rezistente, cu o sum\u0103 asigurat\u0103 de 100.000 de lei, \u0219i 50 de lei pe an pentru cele de tip B, cu o sum\u0103 asigurat\u0103 de 50.000 de lei. Primele sunt fixate prin lege, deci identice la to\u021bi asigur\u0103torii.<\/p>\n<h3>PAD acoper\u0103 inunda\u021bia de la vecin?<\/h3>\n<p>Nu. PAD acoper\u0103 exclusiv inunda\u021biile din cauze naturale, al\u0103turi de cutremur \u0219i alunec\u0103ri de teren. Inundarea provocat\u0103 de o instala\u021bie defect\u0103, a ta sau a vecinului, intr\u0103 \u00een asigurarea facultativ\u0103 a locuin\u021bei.<\/p>\n<h3>Am PAD, mai am nevoie de asigurare la credit ipotecar?<\/h3>\n<p>Da. Banca solicit\u0103 \u00een plus o asigurare facultativ\u0103 a locuin\u021bei, cesionat\u0103 \u00een favoarea ei, la valoarea imobilului. PAD singur\u0103 nu acoper\u0103 suficient nici ca riscuri, nici ca sum\u0103.<\/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\"> 4<\/span> <span class=\"rt-label rt-postfix\">minute<\/span><\/span>Asigurarea PAD este poli\u021ba obligatorie de asigurare a locuin\u021bei \u00eempotriva dezastrelor naturale, prev\u0103zut\u0103 de Legea 260\/2008. Acoper\u0103 trei riscuri: cutremur, inunda\u021bie \u0219i alunecare de teren. Orice proprietar de locuin\u021b\u0103 din Rom\u00e2nia are obliga\u021bia legal\u0103 de a o \u00eencheia, indiferent dac\u0103 locuie\u0219te acolo, o \u00eenchiriaz\u0103 sau o \u021bine goal\u0103. Este, probabil, cea mai ignorat\u0103 obliga\u021bie legal\u0103 din Rom\u00e2nia. \u0218i una dintre  [&#8230;]<\/p>\n","protected":false},"author":8,"featured_media":6061,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[262],"tags":[],"class_list":["post-6094","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-diverse"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Asigurare PAD: c\u00e2t cost\u0103, ce acoper\u0103 \u0219i de ce nu e suficient\u0103 la credit - Blogul 123Credit<\/title>\n<meta name=\"description\" content=\"Asigurarea PAD este obligatorie pentru orice locuin\u021b\u0103 din Rom\u00e2nia. 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