{"id":6133,"date":"2026-08-25T10:01:06","date_gmt":"2026-08-25T07:01:06","guid":{"rendered":"https:\/\/123credit.ro\/blog\/paul-mihus-broker-de-credite-bucuresti\/"},"modified":"2026-08-25T10:01:07","modified_gmt":"2026-08-25T07:01:07","slug":"paul-mihus-broker-de-credite-bucuresti","status":"publish","type":"post","link":"https:\/\/123credit.ro\/blog\/paul-mihus-broker-de-credite-bucuresti\/","title":{"rendered":"Paul Mihu\u0219 se al\u0103tur\u0103 re\u021belei 123Credit ca broker de credite pentru persoane fizice \u0219i companii"},"content":{"rendered":"Timpul estimat pentru citire: <\/span> 3<\/span> minute<\/span><\/span>


\n
\n Articol de blog – Paul Mihu\u0219 la 123Credit<\/title><br \/>\n<\/head><br \/>\n<body><\/p>\n<h1>Articol de blog<\/h1>\n<p>Paul Mihu\u0219, profesionist cu peste 20 de ani de experien\u021b\u0103 \u00een business development, s-a al\u0103turat re\u021belei de brokeri 123Credit. Activeaz\u0103 din Bucure\u0219ti \u0219i Baia Mare \u0219i acoper\u0103 at\u00e2t finan\u021b\u0103rile destinate persoanelor fizice, c\u00e2t \u0219i creditele pentru companii, cu dosare preluate din \u00eentreaga \u021bar\u0103.<\/p>\n<p>Spre deosebire de majoritatea consultan\u021bilor din pia\u021b\u0103, care provin din sistemul bancar, Paul vine din mediul de afaceri. Experien\u021ba sa acoper\u0103 5 sectoare (energie, telecom, IT, consultan\u021b\u0103 \u0219i real estate) \u00een roluri de dezvoltare comercial\u0103 \u0219i construire de rela\u021bii de business.<\/p>\n<h2>Experien\u021ba lui Paul<\/h2>\n<p>Cei peste 20 de ani de activitate ai lui Paul Mihu\u0219 s-au concentrat pe dezvoltarea de oportunit\u0103\u021bi comerciale \u0219i pe identificarea solu\u021biilor de finan\u021bare potrivite pentru persoane fizice \u0219i companii. Traseul s\u0103u profesional s-a desf\u0103\u0219urat \u00een companii aflate \u00een pozi\u021bia de a solicita finan\u021bare, nu \u00een institu\u021bii care o acord\u0103, o perspectiv\u0103 care se reflect\u0103 \u00een modul \u00een care abordeaz\u0103 dosarele de creditare pentru firme.<\/p>\n<p>Aceast\u0103 experien\u021b\u0103 se traduce \u00eentr-o familiaritate cu deciziile de investi\u021bie ale companiilor: \u00een ce moment al exerci\u021biului financiar se face o achizi\u021bie, ce surse sunt disponibile \u0219i cum se dimensioneaz\u0103 un angajament pe termen lung.<\/p>\n<h2>Ce credite intermediaz\u0103<\/h2>\n<p>\u00cen cadrul re\u021belei 123Credit, Paul intermediaz\u0103 urm\u0103toarele categorii de finan\u021bare:<\/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 pentru persoane fizice \u0219i juridice;<\/li>\n<li>credite pentru companii;<\/li>\n<li>produse ale institu\u021biilor financiare nebancare.<\/li>\n<\/ul>\n<p>Dosarele se gestioneaz\u0103 integral online, prin platforma 123Credit, ceea ce permite colaborarea cu clien\u021bi din orice jude\u021b.<\/p>\n<p>Consultan\u021ba este complet gratuit\u0103, brokerul fiind remunerat de institu\u021bia financiar\u0103 care acord\u0103 finan\u021barea.<\/p>\n<h2>Acoperire dubl\u0103: persoane fizice + companii<\/h2>\n<p>Acoperirea simultan\u0103 a celor dou\u0103 categorii r\u0103spunde unei situa\u021bii frecvente \u00een practica de brokeraj. Administratorii de firme au, de regul\u0103, dou\u0103 nevoi de finan\u021bare \u00een paralel, una personal\u0103 \u0219i una a companiei, care \u00een sistemul bancar sunt tratate de consilieri diferi\u021bi, \u00een proceduri separate.<\/p>\n<p>Cele dou\u0103 se influen\u021beaz\u0103 \u00eens\u0103 reciproc. O firm\u0103 mic\u0103 se finan\u021beaz\u0103 \u00een cele mai multe cazuri cu semn\u0103tura administratorului \u00een spate, prin linii de credit garantate personal, leasing cu fidejusiune sau credite de investi\u021bii cu garant, iar aceste angajamente sunt luate \u00een considerare la analiza cererilor de creditare ale persoanei fizice.<\/p>\n<p>Ordinea \u00een care sunt contractate, structura aleas\u0103 \u0219i tipul garan\u021biei influen\u021beaz\u0103 accesul ulterior la finan\u021bare.<\/p>\n<p>Analiza celor dou\u0103 componente \u00een aceea\u0219i discu\u021bie permite evitarea situa\u021biilor \u00een care un angajament asumat pentru firm\u0103 blocheaz\u0103, ulterior, un credit ipotecar sau o refinan\u021bare personal\u0103.<\/p>\n<h2>Contextul pie\u021bei<\/h2>\n<p>Segmentul de finan\u021bare a companiilor r\u0103m\u00e2ne slab utilizat \u00een Rom\u00e2nia. Potrivit sondajului B\u0103ncii Na\u021bionale a Rom\u00e2niei privind accesul la finan\u021bare al companiilor nefinanciare, realizat semestrial pe un e\u0219antion de aproximativ 11.000 de firme, circa 8\/10 companii se finan\u021beaz\u0103 din fonduri proprii, iar peste 70% dintre acestea nu au depus nicio cerere de finan\u021bare la o banc\u0103 sau la o institu\u021bie financiar\u0103 nebancar\u0103 \u00een ultimele 12 luni.<\/p>\n<p>Data indic\u0103 o barier\u0103 de informare mai degrab\u0103 dec\u00e2t una de eligibilitate, ceea ce plaseaz\u0103 consultan\u021ba de specialitate \u00eentr-o pozi\u021bie relevant\u0103 pentru companiile aflate la prima solicitare de finan\u021bare.<\/p>\n<h2>Cum lucreaz\u0103 Paul<\/h2>\n<p>Referitor la abordarea sa \u00een rela\u021bia cu clien\u021bii, Paul Mihu\u0219 declar\u0103:<\/p>\n<blockquote>\n<p>\u201eSunt aici s\u0103 fac finan\u021barea posibil\u0103 pentru tine, cu condi\u021bia s\u0103 contribuie la dezvoltarea ta.”<\/p>\n<\/blockquote>\n<p>Despre decizia de a activa \u00een cadrul re\u021belei, acesta precizeaz\u0103:<\/p>\n<blockquote>\n<p>\u201eAm ales 123Credit pentru gradul \u00eenaintat de digitalizare, suportul oferit \u0219i paleta larg\u0103 de servicii, at\u00e2t pentru persoanele fizice, c\u00e2t \u0219i pentru persoanele juridice.”<\/p>\n<\/blockquote>\n<p>Dac\u0103 ai nevoie de finan\u021bare sau vrei s\u0103 explorezi op\u021biunile, contacteaz\u0103-l pe Paul direct de pe <a href=\"https:\/\/paulmihus.123credit.ro\">pagina web personal\u0103<\/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 – Paul Mihu\u0219 la 123Credit Articol de blog Paul Mihu\u0219, profesionist cu peste 20 de ani de experien\u021b\u0103 \u00een business development, s-a al\u0103turat re\u021belei de brokeri 123Credit. Activeaz\u0103 din Bucure\u0219ti \u0219i Baia Mare \u0219i acoper\u0103 at\u00e2t finan\u021b\u0103rile destinate persoanelor fizice, c\u00e2t \u0219i creditele pentru companii, cu dosare preluate din \u00eentreaga \u021bar\u0103. Spre deosebire de majoritatea consultan\u021bilor din […]<\/p>\n","protected":false},"author":7,"featured_media":6115,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[253],"tags":[],"class_list":["post-6133","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-brokerii-123credit"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Paul Mihu\u0219 se al\u0103tur\u0103 re\u021belei 123Credit ca broker de credite pentru persoane fizice \u0219i companii - Blogul 123Credit<\/title>\n<meta name=\"description\" content=\"Paul Mihu\u0219, cu peste 20 de ani \u00een business development, se al\u0103tur\u0103 re\u021belei 123Credit ca broker de credite pentru persoane fizice \u0219i companii.\" \/>\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\/paul-mihus-broker-de-credite-bucuresti\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Paul Mihu\u0219 se al\u0103tur\u0103 re\u021belei 123Credit ca broker de credite pentru persoane fizice \u0219i companii - 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