Articol de Blog Intern<\/title><br \/>\n<\/head><br \/>\n<body><\/p>\n<h1>Articol de Blog Intern<\/h1>\n<p>Pentru cei mai mul\u021bi oameni, un refuz legat de un credit \u00eenchide subiectul. Li s-a spus c\u0103 nu se \u00eencadreaz\u0103, deci nu se poate. Mai rar afl\u0103 cineva c\u0103 acela\u0219i dosar, construit altfel sau depus la alt\u0103 institu\u021bie, poate primi un alt r\u0103spuns.<\/p>\n<p>Cosmin Ciubotariu lucreaz\u0103 exact cu premisa opus\u0103 resemn\u0103rii. \u201e\u00centotdeauna am fost pasionat s\u0103 g\u0103sesc solu\u021bii, chiar \u0219i c\u00e2nd \u0219ansele de succes nu sunt cele mai promi\u021b\u0103toare”, spune el. \u201eDin astfel de experien\u021be \u00eemi g\u0103sesc motiva\u021bia \u0219i recuno\u0219tin\u021ba pentru domeniul \u00een care profesez.”<\/p>\n<p>Drumul lui p\u00e2n\u0103 aici a \u00eenceput devreme. A intrat \u00een v\u00e2nz\u0103ri din studen\u021bie, apoi a trecut \u00een domeniul financiar-bancar, unde a lucrat, timp de peste 7 ani, cu \u0219i pentru b\u0103nci de top din Rom\u00e2nia. Concluzia cu care a r\u0103mas din perioada aceea sun\u0103 simplu, dar se vede \u00een felul \u00een care abordeaz\u0103 fiecare dosar: \u201eprimul pas spre o tranzac\u021bie \u00eencheiat\u0103 cu succes este acela de a \u00eentruni nevoile clientului”.<\/p>\n<p>Ast\u0103zi este broker de credite \u00een Ia\u0219i, prin platforma 123Credit, \u0219i nu mai lucreaz\u0103 cu produsele unei singure institu\u021bii, ci compar\u0103 ofertele tuturor juc\u0103torilor mari din pia\u021b\u0103.<\/p>\n<h2>Cum lucreaz\u0103 Cosmin, broker de credite \u00een Ia\u0219i<\/h2>\n<p>Diferen\u021ba \u00eentre a merge singur la banc\u0103 \u0219i a lucra cu un broker se vede \u00een ordinea pa\u0219ilor. La ghi\u0219eu afli oferta institu\u021biei respective. La broker, discu\u021bia porne\u0219te de la situa\u021bia ta \u0219i abia apoi se caut\u0103 institu\u021bia potrivit\u0103.<\/p>\n<p>\u00cen practic\u0103, un dosar trece prin aceste etape:<\/p>\n<ol>\n<li>O discu\u021bie despre situa\u021bia real\u0103: venituri, credite \u00een derulare, ce rat\u0103 po\u021bi sus\u021bine f\u0103r\u0103 s\u0103-\u021bi dai via\u021ba peste cap.<\/li>\n<li>Calculul gradului de \u00eendatorare, ca s\u0103 \u0219tii de la \u00eenceput \u00een ce sum\u0103 te \u00eencadrezi. Limitele stabilite de BNR sunt 40% din venitul net pentru creditele \u00een lei \u0219i 20% pentru cele \u00een valut\u0103, cu 5 puncte procentuale \u00een plus la achizi\u021bia primei locuin\u021be.<\/li>\n<li>Compararea ofertelor mai multor b\u0103nci \u0219i institu\u021bii financiare, \u00een aceea\u0219i discu\u021bie.<\/li>\n<li>Preg\u0103tirea dosarului pentru institu\u021bia unde are cele mai bune \u0219anse, nu pentru cea unde e cel mai comod de depus.<\/li>\n<li>Urm\u0103rirea dosarului p\u00e2n\u0103 la semnare.<\/li>\n<\/ol>\n<p>Documentele se transmit online, a\u0219a c\u0103 nu pierzi zile libere plimb\u00e2nd copii dup\u0103 acte \u00eentre ghi\u0219ee. Consultan\u021ba nu se pl\u0103te\u0219te de c\u0103tre client: comisionul brokerului vine de la institu\u021bia financiar\u0103 cu care se finalizeaz\u0103 dosarul.<\/p>\n<h2>Ce tipuri de credite acoper\u0103<\/h2>\n<p>Cosmin intermediaz\u0103 3 categorii de finan\u021b\u0103ri:<\/p>\n<ul>\n<li>credite imobiliare \u0219i refinan\u021b\u0103ri ipotecare;<\/li>\n<li>credite de nevoi personale \u0219i refinan\u021b\u0103ri;<\/li>\n<li>leasing auto.<\/li>\n<\/ul>\n<p>Cele mai multe \u00eentreb\u0103ri vin, previzibil, din zona imobiliar\u0103. Un credit ipotecar r\u0103m\u00e2ne cu tine 20 sau 30 de ani, iar diferen\u021ba dintre dou\u0103 oferte apropiate ca dob\u00e2nd\u0103 se adun\u0103, pe toat\u0103 perioada, \u00een sume serioase. Refinan\u021barea merit\u0103 \u0219i ea un calcul f\u0103cut la rece: mul\u021bi pl\u0103tesc ani \u00eentregi o rat\u0103 stabilit\u0103 \u00een alte condi\u021bii de pia\u021b\u0103, f\u0103r\u0103 s\u0103 fi verificat vreodat\u0103 dac\u0103 mai e cea potrivit\u0103.<\/p>\n<h2>De ce conteaz\u0103 un broker care a v\u0103zut cum judec\u0103 b\u0103ncile<\/h2>\n<p>Un angajat de banc\u0103 lucreaz\u0103 cu produsele institu\u021biei lui. Nu e un repro\u0219, e fi\u0219a postului. Consecin\u021ba pentru client e c\u0103 trebuie s\u0103 fac\u0103 singur compara\u021bia: 3 sau 4 drumuri, acelea\u0219i \u00eentreb\u0103ri puse de fiecare dat\u0103, r\u0103spunsuri formulate diferit \u0219i greu de pus cap la cap.<\/p>\n<p>Un broker face compara\u021bia \u00eentr-un singur loc. Iar unul care a lucrat ani de zile cu mai multe b\u0103nci \u0219tie \u0219i de ce un dosar trece \u00eentr-un loc \u0219i se blocheaz\u0103 \u00een altul: criteriile de evaluare difer\u0103 de la o institu\u021bie la alta mai mult dec\u00e2t ar b\u0103nui cineva din afar\u0103.<\/p>\n<p>Diferen\u021ba dintre ce face un broker \u0219i ce face banca nu st\u0103 doar \u00een num\u0103rul de oferte, ci \u0219i \u00een felul \u00een care se preg\u0103te\u0219te dosarul \u00eenainte de depunere.<\/p>\n<p>Pentru Ia\u0219i \u0219i pentru toat\u0103 zona Moldovei, unde pia\u021ba imobiliar\u0103 e printre cele mai active din \u021bar\u0103, genul \u0103sta de compara\u021bie scute\u0219te timp \u0219i bani. Iar principiul lui Cosmin r\u0103m\u00e2ne acela\u0219i indiferent de tipul creditului: \u201eSunt aici s\u0103 m\u0103 asigur c\u0103 g\u0103sim solu\u021bia potrivit\u0103 pentru tine.”<\/p>\n<h2>Concluzie<\/h2>\n<p>Dac\u0103 te g\u00e2nde\u0219ti la un credit ipotecar, la o refinan\u021bare sau la un leasing auto \u0219i vrei s\u0103 porne\u0219ti de la un calcul, nu de la o singur\u0103 ofert\u0103, prima discu\u021bie nu te cost\u0103 nimic. Cosmin lucreaz\u0103 din Ia\u0219i, dar dosarele se gestioneaz\u0103 online, cu clien\u021bi din toat\u0103 \u021bara. <a href=\"https:\/\/cosminciubotariu.123credit.ro\">Contacteaz\u0103-l direct pe cosminciubotariu.123credit.ro<\/a>.<\/p>\n<p><\/body><br \/>\n<\/html><\/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>Articol de Blog Intern Articol de Blog Intern Pentru cei mai mul\u021bi oameni, un refuz legat de un credit \u00eenchide subiectul. Li s-a spus c\u0103 nu se \u00eencadreaz\u0103, deci nu se poate. Mai rar afl\u0103 cineva c\u0103 acela\u0219i dosar, construit altfel sau depus la alt\u0103 institu\u021bie, poate primi un alt r\u0103spuns. Cosmin Ciubotariu lucreaz\u0103 exact cu premisa opus\u0103 resemn\u0103rii. \u201e\u00centotdeauna […]<\/p>\n","protected":false},"author":7,"featured_media":6112,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[253],"tags":[],"class_list":["post-6126","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-brokerii-123credit"],"yoast_head":"\n<title>Cosmin Ciubotariu, broker de credite \u00een Ia\u0219i: solu\u021bii c\u0103utate \u0219i acolo unde \u0219ansele nu par promi\u021b\u0103toare - Blogul 123Credit<\/title>\n<meta name=\"description\" content=\"Cosmin Ciubotariu a lucrat 7 ani cu b\u0103nci de top din Rom\u00e2nia. Acum e broker de credite \u00een Ia\u0219i \u0219i compar\u0103 ofertele mai multor b\u0103nci pentru clien\u021bii lui.\" \/>\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\/cosmin-ciubotariu-broker-de-credite-iasi\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Cosmin Ciubotariu, broker de credite \u00een Ia\u0219i: solu\u021bii c\u0103utate \u0219i acolo unde \u0219ansele nu par promi\u021b\u0103toare - Blogul 123Credit\" \/>\n<meta property=\"og:description\" content=\"Cosmin Ciubotariu a lucrat 7 ani cu b\u0103nci de top din Rom\u00e2nia. Acum e broker de credite \u00een Ia\u0219i \u0219i compar\u0103 ofertele mai multor b\u0103nci pentru clien\u021bii lui.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/123credit.ro\/blog\/cosmin-ciubotariu-broker-de-credite-iasi\/\" \/>\n<meta property=\"og:site_name\" content=\"Blogul 123Credit\" \/>\n<meta property=\"article:published_time\" content=\"2026-08-23T07:00:44+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-08-23T07:00:45+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2026\/08\/cosmin-ciubotariu-broker-de-credite-iasi.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=\"Ionut Verzea\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Scris de\" \/>\n\t<meta name=\"twitter:data1\" content=\"Ionut Verzea\" \/>\n\t<meta name=\"twitter:label2\" content=\"Timp estimat pentru citire\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/cosmin-ciubotariu-broker-de-credite-iasi\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/cosmin-ciubotariu-broker-de-credite-iasi\\\/\"},\"author\":{\"name\":\"Ionut Verzea\",\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/#\\\/schema\\\/person\\\/e2594027264e89512732b640154587c2\"},\"headline\":\"Cosmin Ciubotariu, broker de credite \u00een Ia\u0219i: solu\u021bii c\u0103utate \u0219i acolo unde \u0219ansele nu par promi\u021b\u0103toare\",\"datePublished\":\"2026-08-23T07:00:44+00:00\",\"dateModified\":\"2026-08-23T07:00:45+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/cosmin-ciubotariu-broker-de-credite-iasi\\\/\"},\"wordCount\":830,\"commentCount\":0,\"image\":{\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/cosmin-ciubotariu-broker-de-credite-iasi\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/wp-content\\\/uploads\\\/2026\\\/08\\\/cosmin-ciubotariu-broker-de-credite-iasi.png\",\"articleSection\":[\"Brokerii 123Credit\"],\"inLanguage\":\"ro-RO\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/123credit.ro\\\/blog\\\/cosmin-ciubotariu-broker-de-credite-iasi\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/cosmin-ciubotariu-broker-de-credite-iasi\\\/\",\"url\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/cosmin-ciubotariu-broker-de-credite-iasi\\\/\",\"name\":\"Cosmin Ciubotariu, broker de credite \u00een Ia\u0219i: solu\u021bii c\u0103utate \u0219i acolo unde \u0219ansele nu par promi\u021b\u0103toare - Blogul 123Credit\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/cosmin-ciubotariu-broker-de-credite-iasi\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/cosmin-ciubotariu-broker-de-credite-iasi\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/wp-content\\\/uploads\\\/2026\\\/08\\\/cosmin-ciubotariu-broker-de-credite-iasi.png\",\"datePublished\":\"2026-08-23T07:00:44+00:00\",\"dateModified\":\"2026-08-23T07:00:45+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/#\\\/schema\\\/person\\\/e2594027264e89512732b640154587c2\"},\"description\":\"Cosmin Ciubotariu a lucrat 7 ani cu b\u0103nci de top din Rom\u00e2nia. Acum e broker de credite \u00een Ia\u0219i \u0219i compar\u0103 ofertele mai multor b\u0103nci pentru clien\u021bii lui.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/cosmin-ciubotariu-broker-de-credite-iasi\\\/#breadcrumb\"},\"inLanguage\":\"ro-RO\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/123credit.ro\\\/blog\\\/cosmin-ciubotariu-broker-de-credite-iasi\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"ro-RO\",\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/cosmin-ciubotariu-broker-de-credite-iasi\\\/#primaryimage\",\"url\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/wp-content\\\/uploads\\\/2026\\\/08\\\/cosmin-ciubotariu-broker-de-credite-iasi.png\",\"contentUrl\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/wp-content\\\/uploads\\\/2026\\\/08\\\/cosmin-ciubotariu-broker-de-credite-iasi.png\",\"width\":940,\"height\":788},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/cosmin-ciubotariu-broker-de-credite-iasi\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Cosmin Ciubotariu, broker de credite \u00een Ia\u0219i: solu\u021bii c\u0103utate \u0219i acolo unde \u0219ansele nu par promi\u021b\u0103toare\"}]},{\"@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\\\/e2594027264e89512732b640154587c2\",\"name\":\"Ionut Verzea\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"ro-RO\",\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/wp-content\\\/uploads\\\/2024\\\/08\\\/ionut-verzea-96x96.jpg\",\"url\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/wp-content\\\/uploads\\\/2024\\\/08\\\/ionut-verzea-96x96.jpg\",\"contentUrl\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/wp-content\\\/uploads\\\/2024\\\/08\\\/ionut-verzea-96x96.jpg\",\"caption\":\"Ionut Verzea\"},\"description\":\"Unul dintre cei mai vechi \u0219i experimenta\u021bi profesioni\u0219ti din domeniul financiar-bancar, \u0219i-a \u00eenceput cariera \u00een brokerajul bancar \u00een anul 2006, dup\u0103 2 ani petrecu\u021bi \u00een cadrul diviziei de creditare a unei prestigioase b\u0103nci din Rom\u00e2nia. A coordonat multiple echipe de consultan\u021bi de credite \u00een paralel desf\u0103\u0219ur\u00e2nd \u0219i coordon\u00e2nd proiecte de educa\u021bie financiar-bancar\u0103 destinate persoanelor fizice.\",\"sameAs\":[\"https:\\\/\\\/123credit.ro\"],\"url\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/author\\\/ionut-verzea\\\/\"}]}<\/script>\n","yoast_head_json":{"title":"Cosmin Ciubotariu, broker de credite \u00een Ia\u0219i: solu\u021bii c\u0103utate \u0219i acolo unde \u0219ansele nu par promi\u021b\u0103toare - Blogul 123Credit","description":"Cosmin Ciubotariu a lucrat 7 ani cu b\u0103nci de top din Rom\u00e2nia. Acum e broker de credite \u00een Ia\u0219i \u0219i compar\u0103 ofertele mai multor b\u0103nci pentru clien\u021bii lui.","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\/cosmin-ciubotariu-broker-de-credite-iasi\/","og_locale":"ro_RO","og_type":"article","og_title":"Cosmin Ciubotariu, broker de credite \u00een Ia\u0219i: solu\u021bii c\u0103utate \u0219i acolo unde \u0219ansele nu par promi\u021b\u0103toare - Blogul 123Credit","og_description":"Cosmin Ciubotariu a lucrat 7 ani cu b\u0103nci de top din Rom\u00e2nia. Acum e broker de credite \u00een Ia\u0219i \u0219i compar\u0103 ofertele mai multor b\u0103nci pentru clien\u021bii lui.","og_url":"https:\/\/123credit.ro\/blog\/cosmin-ciubotariu-broker-de-credite-iasi\/","og_site_name":"Blogul 123Credit","article_published_time":"2026-08-23T07:00:44+00:00","article_modified_time":"2026-08-23T07:00:45+00:00","og_image":[{"width":940,"height":788,"url":"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2026\/08\/cosmin-ciubotariu-broker-de-credite-iasi.png","type":"image\/png"}],"author":"Ionut Verzea","twitter_card":"summary_large_image","twitter_misc":{"Scris de":"Ionut Verzea","Timp estimat pentru citire":"4 minute"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/123credit.ro\/blog\/cosmin-ciubotariu-broker-de-credite-iasi\/#article","isPartOf":{"@id":"https:\/\/123credit.ro\/blog\/cosmin-ciubotariu-broker-de-credite-iasi\/"},"author":{"name":"Ionut Verzea","@id":"https:\/\/123credit.ro\/blog\/#\/schema\/person\/e2594027264e89512732b640154587c2"},"headline":"Cosmin Ciubotariu, broker de credite \u00een Ia\u0219i: solu\u021bii c\u0103utate \u0219i acolo unde \u0219ansele nu par promi\u021b\u0103toare","datePublished":"2026-08-23T07:00:44+00:00","dateModified":"2026-08-23T07:00:45+00:00","mainEntityOfPage":{"@id":"https:\/\/123credit.ro\/blog\/cosmin-ciubotariu-broker-de-credite-iasi\/"},"wordCount":830,"commentCount":0,"image":{"@id":"https:\/\/123credit.ro\/blog\/cosmin-ciubotariu-broker-de-credite-iasi\/#primaryimage"},"thumbnailUrl":"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2026\/08\/cosmin-ciubotariu-broker-de-credite-iasi.png","articleSection":["Brokerii 123Credit"],"inLanguage":"ro-RO","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/123credit.ro\/blog\/cosmin-ciubotariu-broker-de-credite-iasi\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/123credit.ro\/blog\/cosmin-ciubotariu-broker-de-credite-iasi\/","url":"https:\/\/123credit.ro\/blog\/cosmin-ciubotariu-broker-de-credite-iasi\/","name":"Cosmin Ciubotariu, broker de credite \u00een Ia\u0219i: solu\u021bii c\u0103utate \u0219i acolo unde \u0219ansele nu par promi\u021b\u0103toare - Blogul 123Credit","isPartOf":{"@id":"https:\/\/123credit.ro\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/123credit.ro\/blog\/cosmin-ciubotariu-broker-de-credite-iasi\/#primaryimage"},"image":{"@id":"https:\/\/123credit.ro\/blog\/cosmin-ciubotariu-broker-de-credite-iasi\/#primaryimage"},"thumbnailUrl":"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2026\/08\/cosmin-ciubotariu-broker-de-credite-iasi.png","datePublished":"2026-08-23T07:00:44+00:00","dateModified":"2026-08-23T07:00:45+00:00","author":{"@id":"https:\/\/123credit.ro\/blog\/#\/schema\/person\/e2594027264e89512732b640154587c2"},"description":"Cosmin Ciubotariu a lucrat 7 ani cu b\u0103nci de top din Rom\u00e2nia. Acum e broker de credite \u00een Ia\u0219i \u0219i compar\u0103 ofertele mai multor b\u0103nci pentru clien\u021bii lui.","breadcrumb":{"@id":"https:\/\/123credit.ro\/blog\/cosmin-ciubotariu-broker-de-credite-iasi\/#breadcrumb"},"inLanguage":"ro-RO","potentialAction":[{"@type":"ReadAction","target":["https:\/\/123credit.ro\/blog\/cosmin-ciubotariu-broker-de-credite-iasi\/"]}]},{"@type":"ImageObject","inLanguage":"ro-RO","@id":"https:\/\/123credit.ro\/blog\/cosmin-ciubotariu-broker-de-credite-iasi\/#primaryimage","url":"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2026\/08\/cosmin-ciubotariu-broker-de-credite-iasi.png","contentUrl":"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2026\/08\/cosmin-ciubotariu-broker-de-credite-iasi.png","width":940,"height":788},{"@type":"BreadcrumbList","@id":"https:\/\/123credit.ro\/blog\/cosmin-ciubotariu-broker-de-credite-iasi\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/123credit.ro\/blog\/"},{"@type":"ListItem","position":2,"name":"Cosmin Ciubotariu, broker de credite \u00een Ia\u0219i: solu\u021bii c\u0103utate \u0219i acolo unde \u0219ansele nu par promi\u021b\u0103toare"}]},{"@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\/e2594027264e89512732b640154587c2","name":"Ionut Verzea","image":{"@type":"ImageObject","inLanguage":"ro-RO","@id":"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/08\/ionut-verzea-96x96.jpg","url":"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/08\/ionut-verzea-96x96.jpg","contentUrl":"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/08\/ionut-verzea-96x96.jpg","caption":"Ionut Verzea"},"description":"Unul dintre cei mai vechi \u0219i experimenta\u021bi profesioni\u0219ti din domeniul financiar-bancar, \u0219i-a \u00eenceput cariera \u00een brokerajul bancar \u00een anul 2006, dup\u0103 2 ani petrecu\u021bi \u00een cadrul diviziei de creditare a unei prestigioase b\u0103nci din Rom\u00e2nia. A coordonat multiple echipe de consultan\u021bi de credite \u00een paralel desf\u0103\u0219ur\u00e2nd \u0219i coordon\u00e2nd proiecte de educa\u021bie financiar-bancar\u0103 destinate persoanelor fizice.","sameAs":["https:\/\/123credit.ro"],"url":"https:\/\/123credit.ro\/blog\/author\/ionut-verzea\/"}]}},"_links":{"self":[{"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/posts\/6126","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\/7"}],"replies":[{"embeddable":true,"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/comments?post=6126"}],"version-history":[{"count":1,"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/posts\/6126\/revisions"}],"predecessor-version":[{"id":6127,"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/posts\/6126\/revisions\/6127"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/media\/6112"}],"wp:attachment":[{"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/media?parent=6126"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/categories?post=6126"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/tags?post=6126"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}

{"id":6126,"date":"2026-08-23T10:00:44","date_gmt":"2026-08-23T07:00:44","guid":{"rendered":"https:\/\/123credit.ro\/blog\/cosmin-ciubotariu-broker-de-credite-iasi\/"},"modified":"2026-08-23T10:00:45","modified_gmt":"2026-08-23T07:00:45","slug":"cosmin-ciubotariu-broker-de-credite-iasi","status":"publish","type":"post","link":"https:\/\/123credit.ro\/blog\/cosmin-ciubotariu-broker-de-credite-iasi\/","title":{"rendered":"Cosmin Ciubotariu, broker de credite \u00een Ia\u0219i: solu\u021bii c\u0103utate \u0219i acolo unde \u0219ansele nu par promi\u021b\u0103toare"},"content":{"rendered":"Timpul estimat pentru citire: <\/span> 3<\/span> minute<\/span><\/span>

\n
\n Articol de Blog Intern<\/title><br \/>\n<\/head><br \/>\n<body><\/p>\n<h1>Articol de Blog Intern<\/h1>\n<p>Pentru cei mai mul\u021bi oameni, un refuz legat de un credit \u00eenchide subiectul. Li s-a spus c\u0103 nu se \u00eencadreaz\u0103, deci nu se poate. Mai rar afl\u0103 cineva c\u0103 acela\u0219i dosar, construit altfel sau depus la alt\u0103 institu\u021bie, poate primi un alt r\u0103spuns.<\/p>\n<p>Cosmin Ciubotariu lucreaz\u0103 exact cu premisa opus\u0103 resemn\u0103rii. \u201e\u00centotdeauna am fost pasionat s\u0103 g\u0103sesc solu\u021bii, chiar \u0219i c\u00e2nd \u0219ansele de succes nu sunt cele mai promi\u021b\u0103toare”, spune el. \u201eDin astfel de experien\u021be \u00eemi g\u0103sesc motiva\u021bia \u0219i recuno\u0219tin\u021ba pentru domeniul \u00een care profesez.”<\/p>\n<p>Drumul lui p\u00e2n\u0103 aici a \u00eenceput devreme. A intrat \u00een v\u00e2nz\u0103ri din studen\u021bie, apoi a trecut \u00een domeniul financiar-bancar, unde a lucrat, timp de peste 7 ani, cu \u0219i pentru b\u0103nci de top din Rom\u00e2nia. Concluzia cu care a r\u0103mas din perioada aceea sun\u0103 simplu, dar se vede \u00een felul \u00een care abordeaz\u0103 fiecare dosar: \u201eprimul pas spre o tranzac\u021bie \u00eencheiat\u0103 cu succes este acela de a \u00eentruni nevoile clientului”.<\/p>\n<p>Ast\u0103zi este broker de credite \u00een Ia\u0219i, prin platforma 123Credit, \u0219i nu mai lucreaz\u0103 cu produsele unei singure institu\u021bii, ci compar\u0103 ofertele tuturor juc\u0103torilor mari din pia\u021b\u0103.<\/p>\n<h2>Cum lucreaz\u0103 Cosmin, broker de credite \u00een Ia\u0219i<\/h2>\n<p>Diferen\u021ba \u00eentre a merge singur la banc\u0103 \u0219i a lucra cu un broker se vede \u00een ordinea pa\u0219ilor. La ghi\u0219eu afli oferta institu\u021biei respective. La broker, discu\u021bia porne\u0219te de la situa\u021bia ta \u0219i abia apoi se caut\u0103 institu\u021bia potrivit\u0103.<\/p>\n<p>\u00cen practic\u0103, un dosar trece prin aceste etape:<\/p>\n<ol>\n<li>O discu\u021bie despre situa\u021bia real\u0103: venituri, credite \u00een derulare, ce rat\u0103 po\u021bi sus\u021bine f\u0103r\u0103 s\u0103-\u021bi dai via\u021ba peste cap.<\/li>\n<li>Calculul gradului de \u00eendatorare, ca s\u0103 \u0219tii de la \u00eenceput \u00een ce sum\u0103 te \u00eencadrezi. Limitele stabilite de BNR sunt 40% din venitul net pentru creditele \u00een lei \u0219i 20% pentru cele \u00een valut\u0103, cu 5 puncte procentuale \u00een plus la achizi\u021bia primei locuin\u021be.<\/li>\n<li>Compararea ofertelor mai multor b\u0103nci \u0219i institu\u021bii financiare, \u00een aceea\u0219i discu\u021bie.<\/li>\n<li>Preg\u0103tirea dosarului pentru institu\u021bia unde are cele mai bune \u0219anse, nu pentru cea unde e cel mai comod de depus.<\/li>\n<li>Urm\u0103rirea dosarului p\u00e2n\u0103 la semnare.<\/li>\n<\/ol>\n<p>Documentele se transmit online, a\u0219a c\u0103 nu pierzi zile libere plimb\u00e2nd copii dup\u0103 acte \u00eentre ghi\u0219ee. Consultan\u021ba nu se pl\u0103te\u0219te de c\u0103tre client: comisionul brokerului vine de la institu\u021bia financiar\u0103 cu care se finalizeaz\u0103 dosarul.<\/p>\n<h2>Ce tipuri de credite acoper\u0103<\/h2>\n<p>Cosmin intermediaz\u0103 3 categorii de finan\u021b\u0103ri:<\/p>\n<ul>\n<li>credite imobiliare \u0219i refinan\u021b\u0103ri ipotecare;<\/li>\n<li>credite de nevoi personale \u0219i refinan\u021b\u0103ri;<\/li>\n<li>leasing auto.<\/li>\n<\/ul>\n<p>Cele mai multe \u00eentreb\u0103ri vin, previzibil, din zona imobiliar\u0103. Un credit ipotecar r\u0103m\u00e2ne cu tine 20 sau 30 de ani, iar diferen\u021ba dintre dou\u0103 oferte apropiate ca dob\u00e2nd\u0103 se adun\u0103, pe toat\u0103 perioada, \u00een sume serioase. Refinan\u021barea merit\u0103 \u0219i ea un calcul f\u0103cut la rece: mul\u021bi pl\u0103tesc ani \u00eentregi o rat\u0103 stabilit\u0103 \u00een alte condi\u021bii de pia\u021b\u0103, f\u0103r\u0103 s\u0103 fi verificat vreodat\u0103 dac\u0103 mai e cea potrivit\u0103.<\/p>\n<h2>De ce conteaz\u0103 un broker care a v\u0103zut cum judec\u0103 b\u0103ncile<\/h2>\n<p>Un angajat de banc\u0103 lucreaz\u0103 cu produsele institu\u021biei lui. Nu e un repro\u0219, e fi\u0219a postului. Consecin\u021ba pentru client e c\u0103 trebuie s\u0103 fac\u0103 singur compara\u021bia: 3 sau 4 drumuri, acelea\u0219i \u00eentreb\u0103ri puse de fiecare dat\u0103, r\u0103spunsuri formulate diferit \u0219i greu de pus cap la cap.<\/p>\n<p>Un broker face compara\u021bia \u00eentr-un singur loc. Iar unul care a lucrat ani de zile cu mai multe b\u0103nci \u0219tie \u0219i de ce un dosar trece \u00eentr-un loc \u0219i se blocheaz\u0103 \u00een altul: criteriile de evaluare difer\u0103 de la o institu\u021bie la alta mai mult dec\u00e2t ar b\u0103nui cineva din afar\u0103.<\/p>\n<p>Diferen\u021ba dintre ce face un broker \u0219i ce face banca nu st\u0103 doar \u00een num\u0103rul de oferte, ci \u0219i \u00een felul \u00een care se preg\u0103te\u0219te dosarul \u00eenainte de depunere.<\/p>\n<p>Pentru Ia\u0219i \u0219i pentru toat\u0103 zona Moldovei, unde pia\u021ba imobiliar\u0103 e printre cele mai active din \u021bar\u0103, genul \u0103sta de compara\u021bie scute\u0219te timp \u0219i bani. Iar principiul lui Cosmin r\u0103m\u00e2ne acela\u0219i indiferent de tipul creditului: \u201eSunt aici s\u0103 m\u0103 asigur c\u0103 g\u0103sim solu\u021bia potrivit\u0103 pentru tine.”<\/p>\n<h2>Concluzie<\/h2>\n<p>Dac\u0103 te g\u00e2nde\u0219ti la un credit ipotecar, la o refinan\u021bare sau la un leasing auto \u0219i vrei s\u0103 porne\u0219ti de la un calcul, nu de la o singur\u0103 ofert\u0103, prima discu\u021bie nu te cost\u0103 nimic. Cosmin lucreaz\u0103 din Ia\u0219i, dar dosarele se gestioneaz\u0103 online, cu clien\u021bi din toat\u0103 \u021bara. <a href=\"https:\/\/cosminciubotariu.123credit.ro\">Contacteaz\u0103-l direct pe cosminciubotariu.123credit.ro<\/a>.<\/p>\n<p><\/body><br \/>\n<\/html><\/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>Articol de Blog Intern Articol de Blog Intern Pentru cei mai mul\u021bi oameni, un refuz legat de un credit \u00eenchide subiectul. Li s-a spus c\u0103 nu se \u00eencadreaz\u0103, deci nu se poate. Mai rar afl\u0103 cineva c\u0103 acela\u0219i dosar, construit altfel sau depus la alt\u0103 institu\u021bie, poate primi un alt r\u0103spuns. Cosmin Ciubotariu lucreaz\u0103 exact cu premisa opus\u0103 resemn\u0103rii. \u201e\u00centotdeauna […]<\/p>\n","protected":false},"author":7,"featured_media":6112,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[253],"tags":[],"class_list":["post-6126","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-brokerii-123credit"],"yoast_head":"\n<title>Cosmin Ciubotariu, broker de credite \u00een Ia\u0219i: solu\u021bii c\u0103utate \u0219i acolo unde \u0219ansele nu par promi\u021b\u0103toare - Blogul 123Credit<\/title>\n<meta name=\"description\" content=\"Cosmin Ciubotariu a lucrat 7 ani cu b\u0103nci de top din Rom\u00e2nia. Acum e broker de credite \u00een Ia\u0219i \u0219i compar\u0103 ofertele mai multor b\u0103nci pentru clien\u021bii lui.\" \/>\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\/cosmin-ciubotariu-broker-de-credite-iasi\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Cosmin Ciubotariu, broker de credite \u00een Ia\u0219i: solu\u021bii c\u0103utate \u0219i acolo unde \u0219ansele nu par promi\u021b\u0103toare - Blogul 123Credit\" \/>\n<meta property=\"og:description\" content=\"Cosmin Ciubotariu a lucrat 7 ani cu b\u0103nci de top din Rom\u00e2nia. Acum e broker de credite \u00een Ia\u0219i \u0219i compar\u0103 ofertele mai multor b\u0103nci pentru clien\u021bii lui.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/123credit.ro\/blog\/cosmin-ciubotariu-broker-de-credite-iasi\/\" \/>\n<meta property=\"og:site_name\" content=\"Blogul 123Credit\" \/>\n<meta property=\"article:published_time\" content=\"2026-08-23T07:00:44+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-08-23T07:00:45+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2026\/08\/cosmin-ciubotariu-broker-de-credite-iasi.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=\"Ionut Verzea\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Scris de\" \/>\n\t<meta name=\"twitter:data1\" content=\"Ionut Verzea\" \/>\n\t<meta name=\"twitter:label2\" content=\"Timp estimat pentru citire\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/cosmin-ciubotariu-broker-de-credite-iasi\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/cosmin-ciubotariu-broker-de-credite-iasi\\\/\"},\"author\":{\"name\":\"Ionut Verzea\",\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/#\\\/schema\\\/person\\\/e2594027264e89512732b640154587c2\"},\"headline\":\"Cosmin Ciubotariu, broker de credite \u00een Ia\u0219i: solu\u021bii c\u0103utate \u0219i acolo unde \u0219ansele nu par promi\u021b\u0103toare\",\"datePublished\":\"2026-08-23T07:00:44+00:00\",\"dateModified\":\"2026-08-23T07:00:45+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/cosmin-ciubotariu-broker-de-credite-iasi\\\/\"},\"wordCount\":830,\"commentCount\":0,\"image\":{\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/cosmin-ciubotariu-broker-de-credite-iasi\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/wp-content\\\/uploads\\\/2026\\\/08\\\/cosmin-ciubotariu-broker-de-credite-iasi.png\",\"articleSection\":[\"Brokerii 123Credit\"],\"inLanguage\":\"ro-RO\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/123credit.ro\\\/blog\\\/cosmin-ciubotariu-broker-de-credite-iasi\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/cosmin-ciubotariu-broker-de-credite-iasi\\\/\",\"url\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/cosmin-ciubotariu-broker-de-credite-iasi\\\/\",\"name\":\"Cosmin Ciubotariu, broker de credite \u00een Ia\u0219i: solu\u021bii c\u0103utate \u0219i acolo unde \u0219ansele nu par promi\u021b\u0103toare - Blogul 123Credit\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/cosmin-ciubotariu-broker-de-credite-iasi\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/cosmin-ciubotariu-broker-de-credite-iasi\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/wp-content\\\/uploads\\\/2026\\\/08\\\/cosmin-ciubotariu-broker-de-credite-iasi.png\",\"datePublished\":\"2026-08-23T07:00:44+00:00\",\"dateModified\":\"2026-08-23T07:00:45+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/#\\\/schema\\\/person\\\/e2594027264e89512732b640154587c2\"},\"description\":\"Cosmin Ciubotariu a lucrat 7 ani cu b\u0103nci de top din Rom\u00e2nia. Acum e broker de credite \u00een Ia\u0219i \u0219i compar\u0103 ofertele mai multor b\u0103nci pentru clien\u021bii lui.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/cosmin-ciubotariu-broker-de-credite-iasi\\\/#breadcrumb\"},\"inLanguage\":\"ro-RO\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/123credit.ro\\\/blog\\\/cosmin-ciubotariu-broker-de-credite-iasi\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"ro-RO\",\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/cosmin-ciubotariu-broker-de-credite-iasi\\\/#primaryimage\",\"url\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/wp-content\\\/uploads\\\/2026\\\/08\\\/cosmin-ciubotariu-broker-de-credite-iasi.png\",\"contentUrl\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/wp-content\\\/uploads\\\/2026\\\/08\\\/cosmin-ciubotariu-broker-de-credite-iasi.png\",\"width\":940,\"height\":788},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/cosmin-ciubotariu-broker-de-credite-iasi\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Cosmin Ciubotariu, broker de credite \u00een Ia\u0219i: solu\u021bii c\u0103utate \u0219i acolo unde \u0219ansele nu par promi\u021b\u0103toare\"}]},{\"@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\\\/e2594027264e89512732b640154587c2\",\"name\":\"Ionut Verzea\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"ro-RO\",\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/wp-content\\\/uploads\\\/2024\\\/08\\\/ionut-verzea-96x96.jpg\",\"url\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/wp-content\\\/uploads\\\/2024\\\/08\\\/ionut-verzea-96x96.jpg\",\"contentUrl\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/wp-content\\\/uploads\\\/2024\\\/08\\\/ionut-verzea-96x96.jpg\",\"caption\":\"Ionut Verzea\"},\"description\":\"Unul dintre cei mai vechi \u0219i experimenta\u021bi profesioni\u0219ti din domeniul financiar-bancar, \u0219i-a \u00eenceput cariera \u00een brokerajul bancar \u00een anul 2006, dup\u0103 2 ani petrecu\u021bi \u00een cadrul diviziei de creditare a unei prestigioase b\u0103nci din Rom\u00e2nia. A coordonat multiple echipe de consultan\u021bi de credite \u00een paralel desf\u0103\u0219ur\u00e2nd \u0219i coordon\u00e2nd proiecte de educa\u021bie financiar-bancar\u0103 destinate persoanelor fizice.\",\"sameAs\":[\"https:\\\/\\\/123credit.ro\"],\"url\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/author\\\/ionut-verzea\\\/\"}]}<\/script>\n","yoast_head_json":{"title":"Cosmin Ciubotariu, broker de credite \u00een Ia\u0219i: solu\u021bii c\u0103utate \u0219i acolo unde \u0219ansele nu par promi\u021b\u0103toare - Blogul 123Credit","description":"Cosmin Ciubotariu a lucrat 7 ani cu b\u0103nci de top din Rom\u00e2nia. Acum e broker de credite \u00een Ia\u0219i \u0219i compar\u0103 ofertele mai multor b\u0103nci pentru clien\u021bii lui.","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\/cosmin-ciubotariu-broker-de-credite-iasi\/","og_locale":"ro_RO","og_type":"article","og_title":"Cosmin Ciubotariu, broker de credite \u00een Ia\u0219i: solu\u021bii c\u0103utate \u0219i acolo unde \u0219ansele nu par promi\u021b\u0103toare - Blogul 123Credit","og_description":"Cosmin Ciubotariu a lucrat 7 ani cu b\u0103nci de top din Rom\u00e2nia. Acum e broker de credite \u00een Ia\u0219i \u0219i compar\u0103 ofertele mai multor b\u0103nci pentru clien\u021bii lui.","og_url":"https:\/\/123credit.ro\/blog\/cosmin-ciubotariu-broker-de-credite-iasi\/","og_site_name":"Blogul 123Credit","article_published_time":"2026-08-23T07:00:44+00:00","article_modified_time":"2026-08-23T07:00:45+00:00","og_image":[{"width":940,"height":788,"url":"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2026\/08\/cosmin-ciubotariu-broker-de-credite-iasi.png","type":"image\/png"}],"author":"Ionut Verzea","twitter_card":"summary_large_image","twitter_misc":{"Scris de":"Ionut Verzea","Timp estimat pentru citire":"4 minute"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/123credit.ro\/blog\/cosmin-ciubotariu-broker-de-credite-iasi\/#article","isPartOf":{"@id":"https:\/\/123credit.ro\/blog\/cosmin-ciubotariu-broker-de-credite-iasi\/"},"author":{"name":"Ionut Verzea","@id":"https:\/\/123credit.ro\/blog\/#\/schema\/person\/e2594027264e89512732b640154587c2"},"headline":"Cosmin Ciubotariu, broker de credite \u00een Ia\u0219i: solu\u021bii c\u0103utate \u0219i acolo unde \u0219ansele nu par promi\u021b\u0103toare","datePublished":"2026-08-23T07:00:44+00:00","dateModified":"2026-08-23T07:00:45+00:00","mainEntityOfPage":{"@id":"https:\/\/123credit.ro\/blog\/cosmin-ciubotariu-broker-de-credite-iasi\/"},"wordCount":830,"commentCount":0,"image":{"@id":"https:\/\/123credit.ro\/blog\/cosmin-ciubotariu-broker-de-credite-iasi\/#primaryimage"},"thumbnailUrl":"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2026\/08\/cosmin-ciubotariu-broker-de-credite-iasi.png","articleSection":["Brokerii 123Credit"],"inLanguage":"ro-RO","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/123credit.ro\/blog\/cosmin-ciubotariu-broker-de-credite-iasi\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/123credit.ro\/blog\/cosmin-ciubotariu-broker-de-credite-iasi\/","url":"https:\/\/123credit.ro\/blog\/cosmin-ciubotariu-broker-de-credite-iasi\/","name":"Cosmin Ciubotariu, broker de credite \u00een Ia\u0219i: solu\u021bii c\u0103utate \u0219i acolo unde \u0219ansele nu par promi\u021b\u0103toare - Blogul 123Credit","isPartOf":{"@id":"https:\/\/123credit.ro\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/123credit.ro\/blog\/cosmin-ciubotariu-broker-de-credite-iasi\/#primaryimage"},"image":{"@id":"https:\/\/123credit.ro\/blog\/cosmin-ciubotariu-broker-de-credite-iasi\/#primaryimage"},"thumbnailUrl":"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2026\/08\/cosmin-ciubotariu-broker-de-credite-iasi.png","datePublished":"2026-08-23T07:00:44+00:00","dateModified":"2026-08-23T07:00:45+00:00","author":{"@id":"https:\/\/123credit.ro\/blog\/#\/schema\/person\/e2594027264e89512732b640154587c2"},"description":"Cosmin Ciubotariu a lucrat 7 ani cu b\u0103nci de top din Rom\u00e2nia. Acum e broker de credite \u00een Ia\u0219i \u0219i compar\u0103 ofertele mai multor b\u0103nci pentru clien\u021bii lui.","breadcrumb":{"@id":"https:\/\/123credit.ro\/blog\/cosmin-ciubotariu-broker-de-credite-iasi\/#breadcrumb"},"inLanguage":"ro-RO","potentialAction":[{"@type":"ReadAction","target":["https:\/\/123credit.ro\/blog\/cosmin-ciubotariu-broker-de-credite-iasi\/"]}]},{"@type":"ImageObject","inLanguage":"ro-RO","@id":"https:\/\/123credit.ro\/blog\/cosmin-ciubotariu-broker-de-credite-iasi\/#primaryimage","url":"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2026\/08\/cosmin-ciubotariu-broker-de-credite-iasi.png","contentUrl":"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2026\/08\/cosmin-ciubotariu-broker-de-credite-iasi.png","width":940,"height":788},{"@type":"BreadcrumbList","@id":"https:\/\/123credit.ro\/blog\/cosmin-ciubotariu-broker-de-credite-iasi\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/123credit.ro\/blog\/"},{"@type":"ListItem","position":2,"name":"Cosmin Ciubotariu, broker de credite \u00een Ia\u0219i: solu\u021bii c\u0103utate \u0219i acolo unde \u0219ansele nu par promi\u021b\u0103toare"}]},{"@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\/e2594027264e89512732b640154587c2","name":"Ionut Verzea","image":{"@type":"ImageObject","inLanguage":"ro-RO","@id":"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/08\/ionut-verzea-96x96.jpg","url":"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/08\/ionut-verzea-96x96.jpg","contentUrl":"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/08\/ionut-verzea-96x96.jpg","caption":"Ionut Verzea"},"description":"Unul dintre cei mai vechi \u0219i experimenta\u021bi profesioni\u0219ti din domeniul financiar-bancar, \u0219i-a \u00eenceput cariera \u00een brokerajul bancar \u00een anul 2006, dup\u0103 2 ani petrecu\u021bi \u00een cadrul diviziei de creditare a unei prestigioase b\u0103nci din Rom\u00e2nia. A coordonat multiple echipe de consultan\u021bi de credite \u00een paralel desf\u0103\u0219ur\u00e2nd \u0219i coordon\u00e2nd proiecte de educa\u021bie financiar-bancar\u0103 destinate persoanelor fizice.","sameAs":["https:\/\/123credit.ro"],"url":"https:\/\/123credit.ro\/blog\/author\/ionut-verzea\/"}]}},"_links":{"self":[{"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/posts\/6126","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\/7"}],"replies":[{"embeddable":true,"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/comments?post=6126"}],"version-history":[{"count":1,"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/posts\/6126\/revisions"}],"predecessor-version":[{"id":6127,"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/posts\/6126\/revisions\/6127"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/media\/6112"}],"wp:attachment":[{"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/media?parent=6126"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/categories?post=6126"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/tags?post=6126"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}