{"id":6122,"date":"2026-08-21T10:01:13","date_gmt":"2026-08-21T07:01:13","guid":{"rendered":"https:\/\/123credit.ro\/blog\/arvuna\/"},"modified":"2026-08-21T10:01:15","modified_gmt":"2026-08-21T07:01:15","slug":"arvuna","status":"publish","type":"post","link":"https:\/\/123credit.ro\/blog\/arvuna\/","title":{"rendered":"Arvuna: ce este, c\u00e2t se d\u0103 \u0219i ce se \u00eent\u00e2mpl\u0103 dac\u0103 tranzac\u021bia pic\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\"> 7<\/span> <span class=\"rt-label rt-postfix\">minute<\/span><\/span><h1>Arvuna \u0219i Importan\u021ba sa \u00eentr-o Tranzac\u021bie Imobiliar\u0103<\/h1>\n<p>Arvuna este suma pe care cump\u0103r\u0103torul o d\u0103 v\u00e2nz\u0103torului la semnarea antecontractului, ca dovad\u0103 c\u0103 \u00een\u021belege s\u0103 cumpere \u0219i ca garan\u021bie c\u0103 nu se va r\u0103zg\u00e2ndi. Este momentul \u00een care o tranzac\u021bie imobiliar\u0103 devine, pentru prima dat\u0103, o obliga\u021bie cu consecin\u021be financiare reale.<\/p>\n<p>Majoritatea cump\u0103r\u0103torilor semneaz\u0103 antecontractul concentra\u021bi pe pre\u021b \u0219i pe termenul de predare. Clauza despre arvun\u0103 o citesc superficial, pentru c\u0103 presupun c\u0103 nu se va ajunge acolo. Se ajunge mai des dec\u00e2t ar crede, iar c\u00e2nd se ajunge, diferen\u021ba dintre dou\u0103 formul\u0103ri din acela\u0219i document poate \u00eensemna zeci de mii de lei.<\/p>\n<h2>Arvun\u0103 sau Avans? Nu sunt Acela\u0219i Lucru<\/h2>\n<p>Confuzia asta cost\u0103 bani, dar nu \u00een felul \u00een care se poveste\u0219te de obicei.<\/p>\n<p>Arvuna are un regim juridic propriu, reglementat de Codul Civil. Consecin\u021bele nerespect\u0103rii contractului sunt scrise \u00een lege \u0219i se aplic\u0103 chiar dac\u0103 p\u0103r\u021bile nu le-au detaliat.<\/p>\n<p>Codul civil distinge dou\u0103 tipuri:<\/p>\n<ul>\n<li><strong>Arvuna confirmatorie<\/strong>\n<p>Dac\u0103 partea care a dat arvuna nu \u00ee\u0219i execut\u0103 obliga\u021bia f\u0103r\u0103 justificare, cealalt\u0103 parte poate declara rezolu\u021biunea contractului \u0219i re\u021bine suma. Dac\u0103 neexecutarea vine de la cel care a primit arvuna, cealalt\u0103 parte poate cere dublul.<\/p>\n<\/li>\n<li><strong>Arvuna penalizatoare<\/strong>\n<p>Se folose\u0219te c\u00e2nd p\u0103r\u021bile \u00ee\u0219i rezerv\u0103 expres dreptul de a se dezice de contract. Cine denun\u021b\u0103 contractul suport\u0103 aceea\u0219i consecin\u021b\u0103 patrimonial\u0103: pierde arvuna sau restituie dublul ei. Diferen\u021ba fa\u021b\u0103 de cea confirmatorie nu e suma, ci declan\u0219atorul \u2014 aici nu se discut\u0103 vinov\u0103\u021bia, ci un drept de retragere pl\u0103tit.<\/p>\n<\/li>\n<\/ul>\n<p>Avansul nu are un regim juridic propriu. Este pur \u0219i simplu o plat\u0103 anticipat\u0103 din pre\u021b, iar ce se \u00eent\u00e2mpl\u0103 cu el dac\u0103 tranzac\u021bia pic\u0103 depinde exclusiv de ce a\u021bi scris \u00een antecontract.<\/p>\n<p>Aici e capcana pe care pu\u021bini o v\u0103d: \u0219i avansul se poate pierde. Dac\u0103 antecontractul nu con\u021bine o clauz\u0103 expres\u0103 de restituire, iar tu e\u0219ti cel care nu execut\u0103, v\u00e2nz\u0103torul poate refuza s\u0103 \u00eel dea \u00eenapoi \u0219i \u00eel poate re\u021bine cu titlu de daune-interese. R\u0103m\u00e2i s\u0103 \u00eel ceri \u00een instan\u021b\u0103, cu tot ce \u00eenseamn\u0103 asta ca timp \u0219i cheltuieli. \u201eAvans&#8221; nu este o variant\u0103 mai bl\u00e2nd\u0103 a arvunei, este o variant\u0103 nereglementat\u0103.<\/p>\n<table>\n<thead>\n<tr>\n<th><\/th>\n<th>Avans<\/th>\n<th>Arvun\u0103<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><strong>Natur\u0103 juridic\u0103<\/strong><\/td>\n<td>plat\u0103 anticipat\u0103 din pre\u021b, f\u0103r\u0103 regim propriu<\/td>\n<td>garan\u021bie a execut\u0103rii, reglementat\u0103 de Codul civil<\/td>\n<\/tr>\n<tr>\n<td><strong>Dac\u0103 renun\u021b\u0103 cump\u0103r\u0103torul<\/strong><\/td>\n<td>se restituie doar dac\u0103 antecontractul prevede expres asta<\/td>\n<td>se pierde<\/td>\n<\/tr>\n<tr>\n<td><strong>Dac\u0103 renun\u021b\u0103 v\u00e2nz\u0103torul<\/strong><\/td>\n<td>se restituie, dar recuperarea poate cere instan\u021b\u0103<\/td>\n<td>restituie dublul<\/td>\n<\/tr>\n<tr>\n<td><strong>Se scade din pre\u021b la final<\/strong><\/td>\n<td>da<\/td>\n<td>da<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Verific\u0103 ce scrie exact \u00een antecontractul t\u0103u. Nu doar dac\u0103 suma e numit\u0103 \u201earvun\u0103&#8221; sau \u201eavans&#8221;, ci \u0219i ce clauze de restituire \u00eenso\u021besc acea denumire.<\/p>\n<h2>C\u00e2t se D\u0103 ca Arvun\u0103<\/h2>\n<p>Nu exist\u0103 un procent impus de lege.<\/p>\n<p>\u00cen practica pie\u021bei imobiliare din Rom\u00e2nia, reperul obi\u0219nuit este de 10% din pre\u021bul de v\u00e2nzare. \u00cen jurul lui se negociaz\u0103: 5-7% c\u00e2nd plata e cash \u0219i tranzac\u021bia se \u00eenchide repede, 12-15% la imobile premium sau c\u00e2nd v\u00e2nz\u0103torul are oferte concurente. Peste 15% devine un risc dispropor\u021bionat pentru cump\u0103r\u0103tor.<\/p>\n<p>La apartamente \u00een bloc nou, suma poate fi structurat\u0103 \u00een tran\u0219e, pe m\u0103sura stadiului de construc\u021bie.<\/p>\n<p>Suma nu e neutr\u0103. O arvun\u0103 mic\u0103 \u00ee\u021bi limiteaz\u0103 pierderea dac\u0103 lucrurile merg prost, dar ofer\u0103 v\u00e2nz\u0103torului pu\u021bin\u0103 siguran\u021b\u0103 \u0219i te face un cump\u0103r\u0103tor mai pu\u021bin credibil \u00eentr-o pia\u021b\u0103 cu cerere mare. O arvun\u0103 mare te expune.<\/p>\n<p>\ud83d\udca1 Arvuna se pl\u0103te\u0219te din bani proprii, nu din credit. Banca nu \u00ee\u021bi vireaz\u0103 nimic \u00eenainte de semnarea contractului de v\u00e2nzare la notar. Dac\u0103 nu ai suma lichid\u0103, nu ai ce c\u0103uta \u00een antecontract.<\/p>\n<h2>Riscul pe care \u00eel Ignor\u0103 Aproape To\u021bi Cump\u0103r\u0103torii cu Credit<\/h2>\n<p>Iat\u0103 scenariul care se repet\u0103 lun\u0103 de lun\u0103.<\/p>\n<p>Semnezi antecontractul cu arvun\u0103 de 30.000 de lei, convins c\u0103 \u00ee\u021bi iei creditul. Depui dosarul. Evaluarea imobilului iese sub pre\u021bul negociat, sau banca descoper\u0103 o problem\u0103 \u00een cartea funciar\u0103, sau \u021bi se schimb\u0103 situa\u021bia la locul de munc\u0103. Creditul nu se aprob\u0103 la suma necesar\u0103.<\/p>\n<p>Din perspectiva Codului civil, tu e\u0219ti cel care nu \u00ee\u021bi execu\u021bi obliga\u021bia. Imposibilitatea de a ob\u021bine finan\u021bare este riscul t\u0103u, nu o justificare \u00een sensul legii. Rezultatul: pierzi arvuna.<\/p>\n<p>Exist\u0103 o singur\u0103 protec\u021bie real\u0103, iar aceasta se scrie \u00eenainte de semnare, nu se negociaz\u0103 dup\u0103: clauza de condi\u021bie suspensiv\u0103 legat\u0103 de ob\u021binerea creditului. Formulat\u0103 corect, ea prevede c\u0103 obliga\u021biile din antecontract devin eficace doar dac\u0103, p\u00e2n\u0103 la o dat\u0103 stabilit\u0103, cump\u0103r\u0103torul ob\u021bine finan\u021barea.<\/p>\n<p>Dac\u0103 nu o ob\u021bine, condi\u021bia nu se \u00eendepline\u0219te, antecontractul nu produce efecte \u0219i sumele se restituie integral. Textul trebuie s\u0103 men\u021bioneze explicit suma minim\u0103 a creditului \u0219i termenul, altfel devine interpretabil.<\/p>\n<p>Uite pa\u0219ii concre\u021bi \u00eenainte de a semna orice antecontract cu arvun\u0103:<\/p>\n<ol>\n<li>Ob\u021bine o preaprobare de la banc\u0103, nu doar o simulare online. Preaprobarea \u00ee\u021bi spune ce sum\u0103 po\u021bi primi pe venitul t\u0103u.<\/li>\n<li>Cere extrasul de carte funciar\u0103 \u0219i verific\u0103 partea a III-a, cea cu sarcinile. O ipotec\u0103 existent\u0103 sau o interdic\u021bie de \u00eenstr\u0103inare schimb\u0103 tot calendarul tranzac\u021biei.<\/li>\n<li>Discut\u0103 cu un evaluator sau cu brokerul despre valoarea probabil\u0103 de evaluare. Dac\u0103 pre\u021bul cerut e cu 15% peste pia\u021b\u0103, creditul nu va acoperi diferen\u021ba.<\/li>\n<li>Introdu clauza suspensiv\u0103 \u0219i stabile\u0219te un termen realist, de regul\u0103 45-60 de zile.<\/li>\n<li>Pl\u0103te\u0219te arvuna prin transfer bancar, nu cash, ca s\u0103 existe dovad\u0103.<\/li>\n<\/ol>\n<p>Un broker care lucreaz\u0103 cu banca \u00eenainte de antecontract, nu dup\u0103, reduce exact acest risc. Vezi \u0219i ce presupune evaluarea imobilului la creditul ipotecar, pentru c\u0103 acolo apar majoritatea surprizelor.<\/p>\n<h2>Pierderea Arvunei nu e Cel Mai R\u0103u Scenariu<\/h2>\n<p>Aici articolele despre arvun\u0103 se opresc, de obicei prea devreme. Re\u021binerea arvunei este una dintre op\u021biunile p\u0103r\u021bii p\u0103gubite, nu consecin\u021ba automat\u0103.<\/p>\n<p>Codul civil \u00eei d\u0103 celui fa\u021b\u0103 de care nu s-a executat obliga\u021bia \u0219i varianta opus\u0103: \u00een loc s\u0103 desfiin\u021beze contractul \u0219i s\u0103 re\u021bin\u0103 suma, poate cere executarea. \u00centr-o promisiune bilateral\u0103 de v\u00e2nzare, asta \u00eenseamn\u0103 c\u0103 partea c\u0103reia i s-a refuzat nejustificat \u00eencheierea contractului se poate adresa instan\u021bei pentru o hot\u0103r\u00e2re care \u021bine loc de contract. Ac\u021biunea se prescrie \u00een 6 luni de la data la care contractul trebuia \u00eencheiat.<\/p>\n<p>Tradus \u00een situa\u021bia de mai sus: un cump\u0103r\u0103tor c\u0103ruia i-a picat creditul poate ajunge nu doar s\u0103 piard\u0103 cei 30.000 de lei, ci s\u0103 fie obligat printr-o hot\u0103r\u00e2re judec\u0103toreasc\u0103 s\u0103 cumpere imobilul. V\u00e2nz\u0103torul alege, nu tu.<\/p>\n<p>Mecanismul func\u021bioneaz\u0103 \u0219i \u00een oglind\u0103. Dac\u0103 v\u00e2nz\u0103torul se r\u0103zg\u00e2nde\u0219te, cump\u0103r\u0103torul nu e limitat la a cere dublul arvunei \u2014 poate cere instan\u021bei s\u0103 pronun\u021be v\u00e2nzarea. C\u00e2nd imobilul a crescut \u00eentre timp \u00een valoare, asta e frecvent varianta mai bun\u0103.<\/p>\n<h2>Ce se \u00cent\u00e2mpl\u0103 cu Arvuna la Final<\/h2>\n<p>Dac\u0103 totul merge bine, arvuna se scade din pre\u021bul pl\u0103tit la notar. Nu este un cost suplimentar, ci o parte din pre\u021b pl\u0103tit\u0103 mai devreme.<\/p>\n<p>Dac\u0103 tranzac\u021bia pic\u0103, rezolu\u021biunea nu opereaz\u0103 de la sine. Ea se poate declara f\u0103r\u0103 proces doar dac\u0103 antecontractul con\u021bine un pact comisoriu expres sau dac\u0103 cealalt\u0103 parte a fost pus\u0103 \u00een \u00eent\u00e2rziere. \u00cen lipsa unei asemenea clauze, drumul e mai lung dec\u00e2t \u00ee\u0219i imagineaz\u0103 p\u0103r\u021bile, iar recuperarea dublului de la un v\u00e2nz\u0103tor care refuz\u0103 s\u0103 pl\u0103teasc\u0103 ajunge frecvent \u00een instan\u021b\u0103.<\/p>\n<h2>Concluzie<\/h2>\n<p>Arvuna este cel mai serios angajament pe care \u00eel iei \u00eentr-o tranzac\u021bie imobiliar\u0103 \u0219i, paradoxal, cel pe care \u00eel semnezi cu cea mai pu\u021bin\u0103 preg\u0103tire. Regula e simpl\u0103: nu semna un antecontract cu arvun\u0103 f\u0103r\u0103 preaprobare de credit \u0219i f\u0103r\u0103 clauz\u0103 suspensiv\u0103.<\/p>\n<p>Iar dac\u0103 \u00een document scrie \u201eavans&#8221;, verific\u0103 dac\u0103 exist\u0103 \u0219i clauza care spune c\u0103 se restituie, altfel denumirea nu te protejeaz\u0103 cu nimic.<\/p>\n<p>\u00cenainte de a merge la semnarea antecontractului, verific\u0103-\u021bi capacitatea real\u0103 de \u00eemprumut cu un broker 123Credit. O discu\u021bie de 20 de minute te poate scuti de o arvun\u0103 pierdut\u0103.<\/p>\n<p>Textul complet privind regimul arvunei se g\u0103se\u0219te \u00een Codul civil, disponibil pe portalul legislativ oficial <a href=\"http:\/\/legislatie.just.ro\" target=\"_blank\">legislatie.just.ro<\/a>.<\/p>\n<h2>\u00centreb\u0103ri Frecvente<\/h2>\n<h3>Se pierde arvuna dac\u0103 banca nu \u00eemi aprob\u0103 creditul?<\/h3>\n<p>Da, dac\u0103 antecontractul nu con\u021bine o clauz\u0103 de condi\u021bie suspensiv\u0103 legat\u0103 de ob\u021binerea finan\u021b\u0103rii. Refuzul b\u0103ncii nu te exonereaz\u0103 automat de obliga\u021bia asumat\u0103, pentru c\u0103 ob\u021binerea creditului este riscul t\u0103u. Aceast\u0103 clauz\u0103 trebuie negociat\u0103 \u0219i scris\u0103 \u00eenainte de semnare.<\/p>\n<h3>Care este diferen\u021ba dintre arvun\u0103 \u0219i avans?<\/h3>\n<p>Arvuna are un regim juridic propriu \u00een Codul civil: cump\u0103r\u0103torul care nu execut\u0103 o pierde, iar v\u00e2nz\u0103torul care nu execut\u0103 restituie dublul. Avansul nu are un asemenea regim, este doar o plat\u0103 anticipat\u0103 din pre\u021b, iar soarta lui depinde integral de ce scrie \u00een antecontract. F\u0103r\u0103 o clauz\u0103 expres\u0103 de restituire, avansul se poate pierde la fel de bine: v\u00e2nz\u0103torul \u00eel poate re\u021bine cu titlu de daune-interese, iar tu r\u0103m\u00e2i s\u0103 \u00eel ceri \u00een instan\u021b\u0103. Conteaz\u0103 formularea exact\u0103 din contract, nu cum numesc p\u0103r\u021bile suma \u00een discu\u021bie.<\/p>\n<h3>Pot fi obligat s\u0103 cump\u0103r dac\u0103 m\u0103 r\u0103zg\u00e2ndesc?<\/h3>\n<p>Da. Partea p\u0103gubit\u0103 poate alege \u00eentre a desfiin\u021ba contractul, re\u021bin\u00e2nd arvuna, \u0219i a cere instan\u021bei o hot\u0103r\u00e2re care \u021bine loc de contract. \u00cen al doilea caz, v\u00e2nzarea se pronun\u021b\u0103 chiar dac\u0103 tu nu mai vrei. Ac\u021biunea se prescrie \u00een 6 luni de la data la care contractul trebuia \u00eencheiat.<\/p>\n<h3>C\u00e2t se d\u0103 de obicei ca arvun\u0103 la un apartament?<\/h3>\n<p>Reperul din practic\u0103 este 10% din pre\u021bul de v\u00e2nzare, cu varia\u021bii \u00een jos p\u00e2n\u0103 la 5-7% la tranzac\u021bii rapide cu plata cash \u0219i \u00een sus p\u00e2n\u0103 la 12-15% la imobile premium sau cu cerere mare. Legea nu impune un procent. La imobilele \u00een construc\u021bie, suma se poate pl\u0103ti \u00een tran\u0219e, corelate cu stadiul lucr\u0103rilor.<\/p>\n<h3>Arvuna se scade din pre\u021b?<\/h3>\n<p>Da. Dac\u0103 tranzac\u021bia se finalizeaz\u0103, arvuna se imput\u0103 asupra pre\u021bului, adic\u0103 la notar pl\u0103te\u0219ti restul sumei. Nu este un cost \u00een plus fa\u021b\u0103 de pre\u021bul negociat.<\/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\"> 7<\/span> <span class=\"rt-label rt-postfix\">minute<\/span><\/span>Arvuna \u0219i Importan\u021ba sa \u00eentr-o Tranzac\u021bie Imobiliar\u0103 Arvuna este suma pe care cump\u0103r\u0103torul o d\u0103 v\u00e2nz\u0103torului la semnarea antecontractului, ca dovad\u0103 c\u0103 \u00een\u021belege s\u0103 cumpere \u0219i ca garan\u021bie c\u0103 nu se va r\u0103zg\u00e2ndi. Este momentul \u00een care o tranzac\u021bie imobiliar\u0103 devine, pentru prima dat\u0103, o obliga\u021bie cu consecin\u021be financiare reale. Majoritatea cump\u0103r\u0103torilor semneaz\u0103 antecontractul concentra\u021bi pe pre\u021b \u0219i pe termenul  [&#8230;]<\/p>\n","protected":false},"author":9,"featured_media":6110,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[262],"tags":[],"class_list":["post-6122","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-diverse"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Arvuna: ce este, c\u00e2t se d\u0103 \u0219i ce se \u00eent\u00e2mpl\u0103 dac\u0103 tranzac\u021bia pic\u0103 - Blogul 123Credit<\/title>\n<meta name=\"description\" content=\"Arvuna nu este acela\u0219i lucru cu avansul. Afl\u0103 ce prevede Codul civil, c\u00e2t se d\u0103 de obicei \u0219i ce riscuri ai dac\u0103 banca \u00ee\u021bi respinge creditul.\" \/>\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\/arvuna\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Arvuna: ce este, c\u00e2t se d\u0103 \u0219i ce se \u00eent\u00e2mpl\u0103 dac\u0103 tranzac\u021bia pic\u0103 - Blogul 123Credit\" \/>\n<meta property=\"og:description\" content=\"Arvuna nu este acela\u0219i lucru cu avansul. Afl\u0103 ce prevede Codul civil, c\u00e2t se d\u0103 de obicei \u0219i ce riscuri ai dac\u0103 banca \u00ee\u021bi respinge creditul.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/123credit.ro\/blog\/arvuna\/\" \/>\n<meta property=\"og:site_name\" content=\"Blogul 123Credit\" \/>\n<meta property=\"article:published_time\" content=\"2026-08-21T07:01:13+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-08-21T07:01:15+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2026\/08\/arvuna.png\" \/>\n\t<meta property=\"og:image:width\" content=\"940\" \/>\n\t<meta property=\"og:image:height\" content=\"788\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Maria Marinescu\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Scris de\" \/>\n\t<meta name=\"twitter:data1\" content=\"Maria Marinescu\" \/>\n\t<meta name=\"twitter:label2\" content=\"Timp estimat pentru citire\" \/>\n\t<meta name=\"twitter:data2\" content=\"9 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/arvuna\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/arvuna\\\/\"},\"author\":{\"name\":\"Maria Marinescu\",\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/#\\\/schema\\\/person\\\/bd477f7971741dc1277289fe9962f25f\"},\"headline\":\"Arvuna: ce este, c\u00e2t se d\u0103 \u0219i ce se \u00eent\u00e2mpl\u0103 dac\u0103 tranzac\u021bia pic\u0103\",\"datePublished\":\"2026-08-21T07:01:13+00:00\",\"dateModified\":\"2026-08-21T07:01:15+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/arvuna\\\/\"},\"wordCount\":1791,\"commentCount\":0,\"image\":{\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/arvuna\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/wp-content\\\/uploads\\\/2026\\\/08\\\/arvuna.png\",\"articleSection\":[\"Diverse\"],\"inLanguage\":\"ro-RO\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/123credit.ro\\\/blog\\\/arvuna\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/arvuna\\\/\",\"url\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/arvuna\\\/\",\"name\":\"Arvuna: ce este, c\u00e2t se d\u0103 \u0219i ce se \u00eent\u00e2mpl\u0103 dac\u0103 tranzac\u021bia pic\u0103 - Blogul 123Credit\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/arvuna\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/arvuna\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/wp-content\\\/uploads\\\/2026\\\/08\\\/arvuna.png\",\"datePublished\":\"2026-08-21T07:01:13+00:00\",\"dateModified\":\"2026-08-21T07:01:15+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/#\\\/schema\\\/person\\\/bd477f7971741dc1277289fe9962f25f\"},\"description\":\"Arvuna nu este acela\u0219i lucru cu avansul. Afl\u0103 ce prevede Codul civil, c\u00e2t se d\u0103 de obicei \u0219i ce riscuri ai dac\u0103 banca \u00ee\u021bi respinge creditul.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/arvuna\\\/#breadcrumb\"},\"inLanguage\":\"ro-RO\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/123credit.ro\\\/blog\\\/arvuna\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"ro-RO\",\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/arvuna\\\/#primaryimage\",\"url\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/wp-content\\\/uploads\\\/2026\\\/08\\\/arvuna.png\",\"contentUrl\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/wp-content\\\/uploads\\\/2026\\\/08\\\/arvuna.png\",\"width\":940,\"height\":788},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/arvuna\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Arvuna: ce este, c\u00e2t se d\u0103 \u0219i ce se \u00eent\u00e2mpl\u0103 dac\u0103 tranzac\u021bia pic\u0103\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/#website\",\"url\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/\",\"name\":\"Blogul 123Credit\",\"description\":\"Blogul 123Credit iti ofera toate informatiile de care ai nevoie cand aplici pentru un credit ipotecar\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"ro-RO\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/#\\\/schema\\\/person\\\/bd477f7971741dc1277289fe9962f25f\",\"name\":\"Maria Marinescu\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"ro-RO\",\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/wp-content\\\/uploads\\\/2024\\\/07\\\/maria-marinescu-96x96.jpg\",\"url\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/wp-content\\\/uploads\\\/2024\\\/07\\\/maria-marinescu-96x96.jpg\",\"contentUrl\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/wp-content\\\/uploads\\\/2024\\\/07\\\/maria-marinescu-96x96.jpg\",\"caption\":\"Maria Marinescu\"},\"description\":\"Specialist in credite cu o experien\u021b\u0103 de peste 5 ani \u00een domeniul financiar-bancar si sute de dosare de credite intermediate. Ofer\u0103 servicii de consultan\u021b\u0103 clien\u021bilor care sunt \u00een c\u0103utarea unei finan\u021b\u0103ri, este al\u0103turi de clien\u021bi \u00een fiecare etap\u0103 a acestui proces, oferindu-le suportul \u0219i expertiza necesar\u0103 pentru a lua decizii \u00een\u021belepte \u0219i informate.\",\"sameAs\":[\"https:\\\/\\\/123credit.ro\\\/consultant?id=200&amp;nume=maria\"],\"url\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/author\\\/maria-marinescu\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Arvuna: ce este, c\u00e2t se d\u0103 \u0219i ce se \u00eent\u00e2mpl\u0103 dac\u0103 tranzac\u021bia pic\u0103 - Blogul 123Credit","description":"Arvuna nu este acela\u0219i lucru cu avansul. Afl\u0103 ce prevede Codul civil, c\u00e2t se d\u0103 de obicei \u0219i ce riscuri ai dac\u0103 banca \u00ee\u021bi respinge creditul.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/123credit.ro\/blog\/arvuna\/","og_locale":"ro_RO","og_type":"article","og_title":"Arvuna: ce este, c\u00e2t se d\u0103 \u0219i ce se \u00eent\u00e2mpl\u0103 dac\u0103 tranzac\u021bia pic\u0103 - Blogul 123Credit","og_description":"Arvuna nu este acela\u0219i lucru cu avansul. Afl\u0103 ce prevede Codul civil, c\u00e2t se d\u0103 de obicei \u0219i ce riscuri ai dac\u0103 banca \u00ee\u021bi respinge creditul.","og_url":"https:\/\/123credit.ro\/blog\/arvuna\/","og_site_name":"Blogul 123Credit","article_published_time":"2026-08-21T07:01:13+00:00","article_modified_time":"2026-08-21T07:01:15+00:00","og_image":[{"width":940,"height":788,"url":"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2026\/08\/arvuna.png","type":"image\/png"}],"author":"Maria Marinescu","twitter_card":"summary_large_image","twitter_misc":{"Scris de":"Maria Marinescu","Timp estimat pentru citire":"9 minute"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/123credit.ro\/blog\/arvuna\/#article","isPartOf":{"@id":"https:\/\/123credit.ro\/blog\/arvuna\/"},"author":{"name":"Maria Marinescu","@id":"https:\/\/123credit.ro\/blog\/#\/schema\/person\/bd477f7971741dc1277289fe9962f25f"},"headline":"Arvuna: ce este, c\u00e2t se d\u0103 \u0219i ce se \u00eent\u00e2mpl\u0103 dac\u0103 tranzac\u021bia pic\u0103","datePublished":"2026-08-21T07:01:13+00:00","dateModified":"2026-08-21T07:01:15+00:00","mainEntityOfPage":{"@id":"https:\/\/123credit.ro\/blog\/arvuna\/"},"wordCount":1791,"commentCount":0,"image":{"@id":"https:\/\/123credit.ro\/blog\/arvuna\/#primaryimage"},"thumbnailUrl":"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2026\/08\/arvuna.png","articleSection":["Diverse"],"inLanguage":"ro-RO","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/123credit.ro\/blog\/arvuna\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/123credit.ro\/blog\/arvuna\/","url":"https:\/\/123credit.ro\/blog\/arvuna\/","name":"Arvuna: ce este, c\u00e2t se d\u0103 \u0219i ce se \u00eent\u00e2mpl\u0103 dac\u0103 tranzac\u021bia pic\u0103 - Blogul 123Credit","isPartOf":{"@id":"https:\/\/123credit.ro\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/123credit.ro\/blog\/arvuna\/#primaryimage"},"image":{"@id":"https:\/\/123credit.ro\/blog\/arvuna\/#primaryimage"},"thumbnailUrl":"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2026\/08\/arvuna.png","datePublished":"2026-08-21T07:01:13+00:00","dateModified":"2026-08-21T07:01:15+00:00","author":{"@id":"https:\/\/123credit.ro\/blog\/#\/schema\/person\/bd477f7971741dc1277289fe9962f25f"},"description":"Arvuna nu este acela\u0219i lucru cu avansul. Afl\u0103 ce prevede Codul civil, c\u00e2t se d\u0103 de obicei \u0219i ce riscuri ai dac\u0103 banca \u00ee\u021bi respinge creditul.","breadcrumb":{"@id":"https:\/\/123credit.ro\/blog\/arvuna\/#breadcrumb"},"inLanguage":"ro-RO","potentialAction":[{"@type":"ReadAction","target":["https:\/\/123credit.ro\/blog\/arvuna\/"]}]},{"@type":"ImageObject","inLanguage":"ro-RO","@id":"https:\/\/123credit.ro\/blog\/arvuna\/#primaryimage","url":"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2026\/08\/arvuna.png","contentUrl":"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2026\/08\/arvuna.png","width":940,"height":788},{"@type":"BreadcrumbList","@id":"https:\/\/123credit.ro\/blog\/arvuna\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/123credit.ro\/blog\/"},{"@type":"ListItem","position":2,"name":"Arvuna: ce este, c\u00e2t se d\u0103 \u0219i ce se \u00eent\u00e2mpl\u0103 dac\u0103 tranzac\u021bia pic\u0103"}]},{"@type":"WebSite","@id":"https:\/\/123credit.ro\/blog\/#website","url":"https:\/\/123credit.ro\/blog\/","name":"Blogul 123Credit","description":"Blogul 123Credit iti ofera toate informatiile de care ai nevoie cand aplici pentru un credit ipotecar","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/123credit.ro\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"ro-RO"},{"@type":"Person","@id":"https:\/\/123credit.ro\/blog\/#\/schema\/person\/bd477f7971741dc1277289fe9962f25f","name":"Maria Marinescu","image":{"@type":"ImageObject","inLanguage":"ro-RO","@id":"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/maria-marinescu-96x96.jpg","url":"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/maria-marinescu-96x96.jpg","contentUrl":"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/maria-marinescu-96x96.jpg","caption":"Maria Marinescu"},"description":"Specialist in credite cu o experien\u021b\u0103 de peste 5 ani \u00een domeniul financiar-bancar si sute de dosare de credite intermediate. Ofer\u0103 servicii de consultan\u021b\u0103 clien\u021bilor care sunt \u00een c\u0103utarea unei finan\u021b\u0103ri, este al\u0103turi de clien\u021bi \u00een fiecare etap\u0103 a acestui proces, oferindu-le suportul \u0219i expertiza necesar\u0103 pentru a lua decizii \u00een\u021belepte \u0219i informate.","sameAs":["https:\/\/123credit.ro\/consultant?id=200&amp;nume=maria"],"url":"https:\/\/123credit.ro\/blog\/author\/maria-marinescu\/"}]}},"_links":{"self":[{"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/posts\/6122","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/users\/9"}],"replies":[{"embeddable":true,"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/comments?post=6122"}],"version-history":[{"count":1,"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/posts\/6122\/revisions"}],"predecessor-version":[{"id":6123,"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/posts\/6122\/revisions\/6123"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/media\/6110"}],"wp:attachment":[{"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/media?parent=6122"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/categories?post=6122"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/tags?post=6122"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}