{"id":6103,"date":"2026-08-16T11:27:49","date_gmt":"2026-08-16T08:27:49","guid":{"rendered":"https:\/\/123credit.ro\/blog\/credit-nevoi-personale-cu-girant\/"},"modified":"2026-08-20T08:34:23","modified_gmt":"2026-08-20T05:34:23","slug":"credit-nevoi-personale-cu-girant","status":"publish","type":"post","link":"https:\/\/123credit.ro\/blog\/credit-nevoi-personale-cu-girant\/","title":{"rendered":"Credit de nevoi personale cu girant: cum func\u021bioneaz\u0103 \u0219i ce riscuri implic\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\"> 4<\/span> <span class=\"rt-label rt-postfix\">minute<\/span><\/span><p>Creditul de nevoi personale cu girant este solu\u021bia la care se ajunge atunci c\u00e2nd venitul solicitantului nu sus\u021bine singur suma dorit\u0103, iar o alt\u0103 persoan\u0103 accept\u0103 s\u0103 garanteze cu propriul patrimoniu c\u0103 ratele vor fi pl\u0103tite.<\/p>\n<p>Este o formul\u0103 mai rar \u00eent\u00e2lnit\u0103 ast\u0103zi dec\u00e2t acum cincisprezece ani. B\u0103ncile au trecut, \u00een mare parte, de la girant la codebitor, iar diferen\u021ba dintre cele dou\u0103 nu e semantic\u0103: schimb\u0103 complet ce \u021bi se cere \u0219i ce ri\u0219ti.<\/p>\n<h2>Girant sau codebitor? Nu e acela\u0219i lucru<\/h2>\n<p>Girantul, numit \u00een termeni juridici fideiusor, garanteaz\u0103 obliga\u021bia altcuiva. El nu prime\u0219te banii \u0219i nu este parte \u00een contractul de credit ca beneficiar. R\u0103spunde dac\u0103 debitorul principal nu pl\u0103te\u0219te, de regul\u0103 \u00een subsidiar, adic\u0103 dup\u0103 ce banca a \u00eencercat recuperarea de la titular.<\/p>\n<p>Codebitorul este debitor principal, al\u0103turi de titular, din prima zi. Banca \u00eei poate cere plata direct, f\u0103r\u0103 s\u0103 demonstreze c\u0103 a \u00eencercat mai \u00eent\u00e2i cu cel\u0103lalt. Venitul lui se ia \u00een calcul la acordare, la fel ca al titularului.<\/p>\n<table>\n<thead>\n<tr>\n<th><\/th>\n<th>Girant<\/th>\n<th>Codebitor<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Prime\u0219te banii<\/td>\n<td>nu<\/td>\n<td>nu neap\u0103rat, dar e titular<\/td>\n<\/tr>\n<tr>\n<td>Venitul se ia \u00een calcul<\/td>\n<td>uneori, limitat<\/td>\n<td>da, integral<\/td>\n<\/tr>\n<tr>\n<td>Banca \u00eei cere plata<\/td>\n<td>de regul\u0103 \u00een subsidiar<\/td>\n<td>direct, oric\u00e2nd<\/td>\n<\/tr>\n<tr>\n<td>Apare \u00een Biroul de Credit<\/td>\n<td>da<\/td>\n<td>da<\/td>\n<\/tr>\n<tr>\n<td>\u00cei afecteaz\u0103 gradul de \u00eendatorare<\/td>\n<td>da<\/td>\n<td>da<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Ultimele dou\u0103 r\u00e2nduri sunt cele care conteaz\u0103 cel mai mult \u0219i, paradoxal, cele despre care nu vorbe\u0219te aproape nimeni la semnare. \u00cen ambele calit\u0103\u021bi, creditul apare pe numele t\u0103u \u0219i \u00ee\u021bi consum\u0103 din capacitatea proprie de \u00eemprumut.<\/p>\n<h2>Ce se cere de la un girant<\/h2>\n<p>Cerin\u021bele sunt, \u00een esen\u021b\u0103, acelea\u0219i ca pentru un titular:<\/p>\n<ul>\n<li>venit stabil, demonstrabil, de regul\u0103 din contract de munc\u0103 pe perioad\u0103 nedeterminat\u0103;<\/li>\n<li>vechime minim\u0103 la actualul angajator;<\/li>\n<li>istoric de plat\u0103 curat \u00een Biroul de Credit;<\/li>\n<li>grad de \u00eendatorare care r\u0103m\u00e2ne \u00een limite dup\u0103 ad\u0103ugarea noii obliga\u021bii;<\/li>\n<li>uneori, o leg\u0103tur\u0103 de rudenie cu titularul, mai ales la sume mari.<\/li>\n<\/ul>\n<p>Cu alte cuvinte, ca s\u0103 girezi trebuie s\u0103 fii tu \u00eensu\u021bi eligibil pentru credit. Iar din momentul \u00een care semnezi, e\u0219ti tratat ca \u0219i cum l-ai fi luat.<\/p>\n<p>\ud83d\udca1 \u00centrebarea corect\u0103 \u00eenainte de a gira nu este \u201eva pl\u0103ti el?&#8221;. Este \u201e\u00eemi permit s\u0103 pl\u0103tesc eu, dac\u0103 el nu poate?&#8221;. Dac\u0103 r\u0103spunsul la a doua \u00eentrebare e nu, semn\u0103tura nu ar trebui dat\u0103, indiferent c\u00e2t de sigur pare primul r\u0103spuns.<\/p>\n<h2>Ce ri\u0219ti concret dac\u0103 girezi<\/h2>\n<ol>\n<li>Pl\u0103te\u0219ti ratele. Dac\u0103 titularul nu mai pl\u0103te\u0219te, obliga\u021bia trece la tine. Nu par\u021bial, nu propor\u021bional, ci integral: sold r\u0103mas, dob\u00e2nzi, penalit\u0103\u021bi.<\/li>\n<li>\u00ce\u021bi apare \u00een istoricul de credit. Inclusiv restan\u021bele lui. Un titular care \u00eent\u00e2rzie constant \u00ee\u021bi deterioreaz\u0103 scorul, de\u0219i tu nu ai atins banii aceia niciodat\u0103.<\/li>\n<li>Nu mai po\u021bi lua credit propriu. Obliga\u021bia girat\u0103 intr\u0103 \u00een gradul t\u0103u de \u00eendatorare. Mul\u021bi descoper\u0103 asta c\u00e2nd vin pentru un credit ipotecar, la ani distan\u021b\u0103.<\/li>\n<li>Executarea silit\u0103 te poate viza direct. Salariul poprit, conturile blocate, \u00een cazuri grave bunurile executate.<\/li>\n<li>Nu po\u021bi ie\u0219i unilateral. Renun\u021barea la calitatea de girant presupune acordul b\u0103ncii \u0219i, de regul\u0103, \u00eenlocuirea cu alt\u0103 garan\u021bie sau cu alt garant. Practic, depinde de bun\u0103voin\u021ba titularului.<\/li>\n<\/ol>\n<p>Pentru situa\u021bia specific\u0103 a creditelor cu ipotec\u0103, vezi \u0219i condi\u021biile pentru a deveni girant la un credit ipotecar, unde cerin\u021bele sunt mai stricte.<\/p>\n<h2>Ce alternative exist\u0103<\/h2>\n<p>\u00cenainte de a implica o alt\u0103 persoan\u0103, merit\u0103 epuizate variantele care nu creeaz\u0103 obliga\u021bii pentru cineva drag.<\/p>\n<ul>\n<li>Reducerea sumei solicitate. Cea mai simpl\u0103. Adesea, diferen\u021ba dintre suma dorit\u0103 \u0219i cea aprobat\u0103 e mic\u0103, iar am\u00e2narea unei p\u0103r\u021bi din cheltuial\u0103 elimin\u0103 nevoia de garant.<\/li>\n<li>Prelungirea perioadei. O rat\u0103 mai mic\u0103 \u00eencape \u00een gradul de \u00eendatorare. Cost\u0103 mai mult pe total, dar nu implic\u0103 pe nimeni altcineva.<\/li>\n<li>Cur\u0103\u021barea gradului de \u00eendatorare. \u00cenchiderea cardurilor de credit nefolosite, a overdrafturilor \u0219i a creditelor mici achitate dar ne\u00eenchise \u00een eviden\u021be elibereaz\u0103, frecvent, exact procentele care lipsesc.<\/li>\n<li>Creditul cu garan\u021bie imobiliar\u0103. Dac\u0103 de\u021bii un imobil, un credit de nevoi personale cu ipotec\u0103 are dob\u00e2nd\u0103 mai mic\u0103 \u0219i perioad\u0103 mai lung\u0103. Garantezi cu un bun al t\u0103u, nu cu situa\u021bia financiar\u0103 a altcuiva.<\/li>\n<li>Codebitor \u00een locul girantului. Dac\u0103 tot implici pe cineva, un codebitor cu venit stabil produce un efect mai mare asupra sumei aprobate dec\u00e2t un girant, pentru c\u0103 venitul lui se puncteaz\u0103 integral.<\/li>\n<\/ul>\n<h2>Concluzie<\/h2>\n<p>Creditul de nevoi personale cu girant func\u021bioneaz\u0103, dar transfer\u0103 un risc real c\u0103tre o persoan\u0103 apropiat\u0103, pe ani de zile, cu efecte pe care aceasta nu le anticipeaz\u0103 aproape niciodat\u0103 complet.<\/p>\n<p>\u00cenainte de a cere cuiva s\u0103 semneze pentru tine, verific\u0103 dac\u0103 ai epuizat celelalte variante. Un broker 123Credit poate calcula, \u00eentr-o singur\u0103 discu\u021bie, ce sum\u0103 ob\u021bii f\u0103r\u0103 garant, ce se schimb\u0103 dac\u0103 \u00ee\u021bi cure\u021bi gradul de \u00eendatorare \u0219i ce b\u0103nci accept\u0103 codebitor pe produsul de care ai nevoie.<\/p>\n<p>Informa\u021bii despre drepturile \u0219i obliga\u021biile consumatorilor \u00een contractele de credit se public\u0103 de Autoritatea Na\u021bional\u0103 pentru Protec\u021bia Consumatorilor pe <a href=\"http:\/\/anpc.ro\">anpc.ro<\/a>.<\/p>\n<h2>\u00centreb\u0103ri frecvente<\/h2>\n<h3>Care este diferen\u021ba dintre girant \u0219i codebitor?<\/h3>\n<p>Girantul garanteaz\u0103 obliga\u021bia altcuiva \u0219i r\u0103spunde, de regul\u0103, dup\u0103 ce banca a \u00eencercat recuperarea de la titular. Codebitorul este debitor principal din prima zi, iar banca \u00eei poate cere plata direct. \u00cen ambele cazuri, creditul apare \u00een Biroul de Credit pe numele persoanei respective.<\/p>\n<h3>Creditul girat \u00eemi afecteaz\u0103 gradul de \u00eendatorare?<\/h3>\n<p>Da. Obliga\u021bia asumat\u0103 prin girare intr\u0103 \u00een calculul propriei tale capacit\u0103\u021bi de \u00eemprumut, chiar dac\u0103 ratele sunt pl\u0103tite integral de titular. Este motivul pentru care mul\u021bi garan\u021bi descoper\u0103 problema abia c\u00e2nd vin pentru un credit ipotecar propriu.<\/p>\n<h3>Pot renun\u021ba la calitatea de girant?<\/h3>\n<p>Nu unilateral. Retragerea presupune acordul b\u0103ncii \u0219i, de regul\u0103, \u00eenlocuirea garan\u021biei: alt garant, o garan\u021bie real\u0103 sau refinan\u021barea creditului pe numele titularului. \u00cen practic\u0103, depinde de cooperarea persoanei pentru care ai girat.<\/p>\n<h3>Mai acord\u0103 b\u0103ncile credite de nevoi personale cu girant?<\/h3>\n<p>Formula exist\u0103, dar este mai pu\u021bin utilizat\u0103 dec\u00e2t \u00een trecut. Majoritatea b\u0103ncilor prefer\u0103 ast\u0103zi codebitorul, pentru c\u0103 venitul acestuia se ia integral \u00een calcul la acordare. Disponibilitatea difer\u0103 de la o institu\u021bie la alta \u0219i de la un produs la altul.<\/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>Creditul de nevoi personale cu girant este solu\u021bia la care se ajunge atunci c\u00e2nd venitul solicitantului nu sus\u021bine singur suma dorit\u0103, iar o alt\u0103 persoan\u0103 accept\u0103 s\u0103 garanteze cu propriul patrimoniu c\u0103 ratele vor fi pl\u0103tite. Este o formul\u0103 mai rar \u00eent\u00e2lnit\u0103 ast\u0103zi dec\u00e2t acum cincisprezece ani. B\u0103ncile au trecut, \u00een mare parte, de la girant la codebitor, iar diferen\u021ba  [&#8230;]<\/p>\n","protected":false},"author":15,"featured_media":6063,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[224],"tags":[],"class_list":["post-6103","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credite-de-nevoi-personale"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Credit de nevoi personale cu girant: cum func\u021bioneaz\u0103 \u0219i ce riscuri implic\u0103 - Blogul 123Credit<\/title>\n<meta name=\"description\" content=\"Refinan\u021bare cu grad mare de \u00eendatorare: limitele BNR, excep\u021biile care se aplic\u0103 \u0219i ce po\u021bi face concret c\u00e2nd toate b\u0103ncile \u00ee\u021bi spun c\u0103 nu te \u00eencadrezi.\" \/>\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\/credit-nevoi-personale-cu-girant\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Credit de nevoi personale cu girant: cum func\u021bioneaz\u0103 \u0219i ce riscuri implic\u0103 - 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