{"id":6141,"date":"2026-08-28T14:47:14","date_gmt":"2026-08-28T11:47:14","guid":{"rendered":"https:\/\/123credit.ro\/blog\/?p=6141"},"modified":"2026-08-28T14:47:29","modified_gmt":"2026-08-28T11:47:29","slug":"certificat-de-mostenitor","status":"publish","type":"post","link":"https:\/\/123credit.ro\/blog\/certificat-de-mostenitor\/","title":{"rendered":"Certificat de mo\u0219tenitor: de ce blocheaz\u0103 o v\u00e2nzare"},"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><span style=\"font-weight: 400;\">Certificat de mo\u0219tenitor este actul prin care notarul stabile\u0219te cine mo\u0219tene\u0219te, ce mo\u0219tene\u0219te \u0219i \u00een ce cote. P\u00e2n\u0103 c\u00e2nd el nu exist\u0103, imobilul r\u0103m\u00e2ne, juridic, al persoanei decedate. Iar un imobil aflat pe numele unei persoane decedate nu poate fi v\u00e2ndut, ipotecat sau adus ca garan\u021bie la un credit.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Aici se blocheaz\u0103, an de an, sute de tranzac\u021bii. V\u00e2nz\u0103torul e convins c\u0103 apartamentul e al lui, pentru c\u0103 locuie\u0219te acolo de zece ani. Cump\u0103r\u0103torul are creditul aprobat. Notarul cere extrasul de carte funciar\u0103, iar la partea a II-a apare \u00eenc\u0103 bunicul.<\/span><\/p>\n<h2><b>La ce folose\u0219te, concret, certificatul de mo\u0219tenitor<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Certificatul de mo\u0219tenitor face dovada calit\u0103\u021bii de mo\u0219tenitor \u0219i a compunerii masei succesorale. F\u0103r\u0103 el nu po\u021bi:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">vinde sau dona imobilul mo\u0219tenit;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u00eenscrie dreptul t\u0103u de proprietate \u00een cartea funciar\u0103;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">constitui o ipotec\u0103, deci nici ob\u021bine un credit garantat cu acel imobil;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u00eenchiria \u00een nume propriu, \u00een condi\u021bii clare;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">accesa sumele din conturile bancare ale defunctului;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u00eenmatricula sau \u00eenstr\u0103ina un autovehicul r\u0103mas mo\u0219tenire.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Pe scurt, e actul care mut\u0103 bunul din patrimoniul defunctului \u00een al t\u0103u, \u00een ochii oric\u0103rei institu\u021bii.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">! Verific\u0103 situa\u021bia succesoral\u0103 <\/span><b>\u00eenainte<\/b><span style=\"font-weight: 400;\"> de a semna un antecontract, nu dup\u0103. O dezbatere succesoral\u0103 dureaz\u0103, \u00een cel mai bun caz, c\u00e2teva s\u0103pt\u0103m\u00e2ni. Un antecontract cu termen de 45 de zile \u0219i o succesiune nedezb\u0103tut\u0103 este o combina\u021bie care se termin\u0103, de regul\u0103, cu pierderea arvunei.<\/span><\/p>\n<h2><b>Termenul de doi ani \u0219i de ce conteaz\u0103 fiscal<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Regula pe care o ignor\u0103 cei mai mul\u021bi: dac\u0103 procedura succesoral\u0103 se finalizeaz\u0103 \u00een termen de <\/span><b>doi ani de la data decesului<\/b><span style=\"font-weight: 400;\">, nu se datoreaz\u0103 impozit pentru bunurile imobile mo\u0219tenite. Dac\u0103 termenul e dep\u0103\u0219it, se aplic\u0103 un impozit de 1% din valoarea imobilelor din masa succesoral\u0103.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Termenul curge de la data decesului, nu de la data la care deschizi dosarul la notar. Cu alte cuvinte, am\u00e2narea are un pre\u021b fix \u0219i previzibil.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Exist\u0103 \u0219i o consecin\u021b\u0103 mai pu\u021bin discutat\u0103. Pentru un imobil pe care vrei s\u0103-l vinzi ulterior, perioada de de\u021binere, cea care decide dac\u0103 pl\u0103te\u0219ti 1% sau 3% impozit la v\u00e2nzare, se calculeaz\u0103 de la data dob\u00e2ndirii prin mo\u0219tenire, adic\u0103 de la data decesului, nu de la data certificatului.<\/span><\/p>\n<h2><b>Actele necesare pentru dezbaterea succesoral\u0103<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Lista variaz\u0103 dup\u0103 compunerea masei succesorale, dar nucleul e acela\u0219i:<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Certificatul de deces<\/b><span style=\"font-weight: 400;\">, \u00een original.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Actele de identitate ale mo\u0219tenitorilor<\/b><span style=\"font-weight: 400;\"> \u0219i actele care dovedesc rudenia: certificate de na\u0219tere, de c\u0103s\u0103torie, hot\u0103r\u00e2ri de divor\u021b.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Actele de proprietate ale bunurilor<\/b><span style=\"font-weight: 400;\">: contract de v\u00e2nzare, titlu de proprietate, certificat de mo\u0219tenitor anterior, contract de construire.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Extras de carte funciar\u0103<\/b><span style=\"font-weight: 400;\"> pentru fiecare imobil.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Certificat de atestare fiscal\u0103<\/b><span style=\"font-weight: 400;\"> emis pe numele defunctului, de la prim\u0103ria de domiciliu.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Testamentul<\/b><span style=\"font-weight: 400;\">, dac\u0103 exist\u0103.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Doi martori<\/b><span style=\"font-weight: 400;\"> care nu sunt mo\u0219tenitori, pentru identificarea defunctului \u0219i a familiei.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">La nevoie, notarul poate solicita \u0219i <\/span><b>alte documente<\/b><span style=\"font-weight: 400;\"> pentru a avea o imagine c\u00e2t mai clar\u0103 asupra tranzac\u021biei sau succesiunii.<\/span><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Notarul competent este cel din circumscrip\u021bia ultimului domiciliu al defunctului. Verificarea \u00een Registrul na\u021bional notarial se face din oficiu, ca s\u0103 nu existe dou\u0103 proceduri paralele.<\/span><\/p>\n<h2><b>C\u00e2t cost\u0103 procedura<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Costul are trei componente:<\/span><\/p>\n<table>\n<thead>\n<tr>\n<th><b>Component\u0103<\/b><\/th>\n<th><b>Cui se pl\u0103te\u0219te<\/b><\/th>\n<th><b>Observa\u021bie<\/b><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><span style=\"font-weight: 400;\">Onorariul notarial<\/span><\/td>\n<td><span style=\"font-weight: 400;\">notarului<\/span><\/td>\n<td><span style=\"font-weight: 400;\">calculat la valoarea masei succesorale, pe gril\u0103<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Impozitul de 1%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">statului<\/span><\/td>\n<td><span style=\"font-weight: 400;\">doar dac\u0103 se dep\u0103\u0219e\u0219te termenul de doi ani<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Taxa de \u00eenscriere \u00een cartea funciar\u0103<\/span><\/td>\n<td><span style=\"font-weight: 400;\">ANCPI<\/span><\/td>\n<td><span style=\"font-weight: 400;\">pentru intabularea dreptului mo\u0219tenitorilor<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-weight: 400;\">Onorariile pornesc de la c\u00e2teva sute de lei pentru dosarele simple \u0219i cresc odat\u0103 cu valoarea bunurilor. Cheltuielile se \u00eempart, de regul\u0103, \u00eentre mo\u0219tenitori, propor\u021bional cu cotele, sau sunt suportate integral de unul dintre ei, prin \u00een\u021belegere.<\/span><\/p>\n<h2><b>Ce faci dac\u0103 mo\u0219tenirea nu a fost dezb\u0103tut\u0103<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Se \u00eent\u00e2mpl\u0103 des, mai ales la imobile primite prin dou\u0103 genera\u021bii succesive.<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ceri un extras de carte funciar\u0103 \u0219i vezi exact pe cine figureaz\u0103 imobilul.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Identifici to\u021bi mo\u0219tenitorii, inclusiv cei care nu locuiesc \u00een \u021bar\u0103.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Deschizi dosarul la notarul competent, cu actele de mai sus.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Dac\u0103 un mo\u0219tenitor refuz\u0103 sau nu poate fi g\u0103sit, procedura notarial\u0103 se blocheaz\u0103 \u0219i r\u0103m\u00e2ne calea instan\u021bei, care dureaz\u0103 considerabil mai mult.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Dup\u0103 emiterea certificatului, faci <\/span><a href=\"https:\/\/123credit.ro\/blog\/cadastru-receptie-intabulare\/\"><span style=\"font-weight: 400;\">intabularea \u0219i, dac\u0103 e cazul, documenta\u021bia cadastral\u0103<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Abia din acest punct imobilul poate intra \u00eentr-o tranzac\u021bie sau \u00eentr-un dosar de credit.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Regulile fiscale privind mo\u0219tenirile sunt cuprinse \u00een Codul fiscal \u0219i pot fi consultate pe portalul <\/span><a href=\"https:\/\/www.anaf.ro\/\"><span style=\"font-weight: 400;\">Agen\u021biei Na\u021bionale de Administrare Fiscal\u0103<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<h2><b>Concluzie<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Certificatul de mo\u0219tenitor nu e o formalitate administrativ\u0103, ci actul care \u00ee\u021bi d\u0103 dreptul s\u0103 faci ceva cu un bun mo\u0219tenit. Termenul de doi ani \u00ee\u021bi economise\u0219te un impozit de 1%, iar dezbaterea la timp \u00ee\u021bi economise\u0219te o tranzac\u021bie ratat\u0103.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Dac\u0103 vrei s\u0103 vinzi un imobil mo\u0219tenit sau s\u0103 \u00eel folose\u0219ti ca garan\u021bie pentru un credit, discut\u0103 cu un broker 123Credit \u00eenainte de a face promisiuni cump\u0103r\u0103torului. Verific\u0103m ce e nevoie \u00een dosar \u0219i c\u00e2t dureaz\u0103, ca s\u0103 nu semnezi termene pe care nu le po\u021bi respecta.<\/span><\/p>\n<h2><b>\u00centreb\u0103ri frecvente despre certificatul de mo\u0219tenitor<\/b><\/h2>\n<h3><b>C\u00e2t dureaz\u0103 ob\u021binerea unui certificat de mo\u0219tenitor?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Pentru un dosar complet, cu to\u021bi mo\u0219tenitorii prezen\u021bi \u0219i acte \u00een regul\u0103, procedura se poate finaliza \u00een c\u00e2teva s\u0103pt\u0103m\u00e2ni. Termenele se lungesc dac\u0103 lipsesc documente, dac\u0103 un mo\u0219tenitor e \u00een str\u0103in\u0103tate sau dac\u0103 apar ne\u00een\u021belegeri \u00eentre mo\u0219tenitori.<\/span><\/p>\n<h3><b>Ce se \u00eent\u00e2mpl\u0103 dac\u0103 dep\u0103\u0219esc termenul de doi ani?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Succesiunea se poate dezbate oric\u00e2nd, dreptul nu se pierde. Se datoreaz\u0103 \u00eens\u0103 un impozit de 1% din valoarea imobilelor din masa succesoral\u0103, care altfel nu ar fi fost datorat.<\/span><\/p>\n<h3><b>Pot lua credit ipotecar cu garan\u021bie pe un imobil mo\u0219tenit?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Da, dar numai dup\u0103 ce succesiunea a fost dezb\u0103tut\u0103 \u0219i dreptul t\u0103u e \u00eenscris \u00een cartea funciar\u0103. Dac\u0103 imobilul figureaz\u0103 \u00eenc\u0103 pe numele defunctului, banca nu poate constitui ipotec\u0103.<\/span><\/p>\n<h3><b>Ce fac dac\u0103 un mo\u0219tenitor nu vrea s\u0103 se prezinte la notar?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Procedura notarial\u0103 necesit\u0103 acordul tuturor mo\u0219tenitorilor. Dac\u0103 unul refuz\u0103, singura cale r\u0103m\u00e2ne ac\u021biunea \u00een instan\u021b\u0103 pentru dezbaterea succesiunii, o procedur\u0103 mai lung\u0103 \u0219i mai costisitoare.<\/span><\/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>Certificat de mo\u0219tenitor este actul prin care notarul stabile\u0219te cine mo\u0219tene\u0219te, ce mo\u0219tene\u0219te \u0219i \u00een ce cote. P\u00e2n\u0103 c\u00e2nd el nu exist\u0103, imobilul r\u0103m\u00e2ne, juridic, al persoanei decedate. Iar un imobil aflat pe numele unei persoane decedate nu poate fi v\u00e2ndut, ipotecat sau adus ca garan\u021bie la un credit. Aici se blocheaz\u0103, an de an, sute de tranzac\u021bii. V\u00e2nz\u0103torul e  [&#8230;]<\/p>\n","protected":false},"author":15,"featured_media":6142,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[262],"tags":[],"class_list":["post-6141","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-diverse"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Certificat de mo\u0219tenitor: de ce blocheaz\u0103 o v\u00e2nzare - Blogul 123Credit<\/title>\n<meta name=\"description\" content=\"Certificat de mostenitor: la ce folose\u0219te, ce acte \u00ee\u021bi trebuie, c\u00e2t cost\u0103 \u0219i de ce f\u0103r\u0103 el nu po\u021bi vinde, ipoteca sau refinan\u021ba un imobil.\" \/>\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\/certificat-de-mostenitor\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Certificat de mo\u0219tenitor: de ce blocheaz\u0103 o v\u00e2nzare - 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