{"id":625,"date":"2023-10-31T12:53:18","date_gmt":"2023-10-31T10:53:18","guid":{"rendered":"https:\/\/123credit.ro\/blog\/?p=625"},"modified":"2024-08-07T10:25:22","modified_gmt":"2024-08-07T07:25:22","slug":"credit-ipotecar-cu-venituri-din-pfa","status":"publish","type":"post","link":"https:\/\/123credit.ro\/blog\/credit-ipotecar-cu-venituri-din-pfa\/","title":{"rendered":"Credit ipotecar cu venituri din PFA"},"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\"> 2<\/span> <span class=\"rt-label rt-postfix\">minute<\/span><\/span><p><img decoding=\"async\" class=\"wp-image-626 alignleft\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2023\/10\/Propuneri-vizualuri-Blog-4.png\" alt=\"\" width=\"272\" height=\"228\" srcset=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2023\/10\/Propuneri-vizualuri-Blog-4-200x168.png 200w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2023\/10\/Propuneri-vizualuri-Blog-4-300x251.png 300w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2023\/10\/Propuneri-vizualuri-Blog-4-400x335.png 400w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2023\/10\/Propuneri-vizualuri-Blog-4-600x503.png 600w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2023\/10\/Propuneri-vizualuri-Blog-4-768x644.png 768w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2023\/10\/Propuneri-vizualuri-Blog-4-800x671.png 800w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2023\/10\/Propuneri-vizualuri-Blog-4.png 940w\" sizes=\"(max-width: 272px) 100vw, 272px\" \/><\/p>\n<p>&nbsp;<\/p>\n<p>Pentru mul\u021bi antreprenori care \u00ee\u0219i desf\u0103\u0219oar\u0103 activitatea ca Persoan\u0103 Fizic\u0103 Autorizat\u0103 (PFA), cump\u0103rarea unei locuin\u021be cu un <a href=\"https:\/\/123credit.ro\/credit-ipotecar\"><span style=\"text-decoration: underline;\">credit ipotecar<\/span><\/a> poate p\u0103rea un proces complicat \u0219i de lung\u0103 durat\u0103.<\/p>\n<p>Lucrurile nu sunt \u00een realitate at\u00e2t de complicate, a\u0219a c\u0103 uite mai jos lucrurile cheie pe care trebuie sa le \u0219tii atunci c\u00e2nd vrei s\u0103 accesezi un credit ipotecar cu venituri din PFA.<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">???? <\/span><span style=\"font-weight: 400;\">Asigur\u0103-te c\u0103 po\u021bi demonstra stabilitatea \u0219i constan\u021ba veniturilor pentru a spori \u0219ansele de aprobare a creditului.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00cen general, institu\u021biile financiare evalueaz\u0103 eligibilitatea \u00een func\u021bie de veniturile \u0219i istoricul t\u0103u de credit, indiferent de sursa acestor venituri. Va trebui s\u0103 furnizezi documente relevante care s\u0103 ateste veniturile tale din PFA, precum \u0219i alte informa\u021bii solicitate de banc\u0103 sau institu\u021bia financiar\u0103.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Iat\u0103 lista cu documentele de care ai nevoie:<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3><span style=\"font-weight: 400;\">???? <\/span><b>Pentru PFA cu contabilitate \u00een sistem real:<\/b><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Certificatul de \u00eenregistrare al PFA<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Actul de autorizare al desf\u0103\u0219ur\u0103rii activit\u0103\u021bii (dac\u0103 este cazul)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Declara\u021bia fiscal\u0103 unic\u0103 212 pentru anul \u00een curs, al\u0103turi de dovada de depunere la autorit\u0103\u021bile fiscale (recipisa de depunere)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Registrul de \u00cencas\u0103ri \u0219i Pl\u0103\u021bi pentru anul fiscal anterior (ianuarie &#8211; decembrie), al\u0103turi de Registrul de \u00cencas\u0103ri \u0219i Pl\u0103\u021bi pentru anul \u00een curs. Aceste documente trebuie s\u0103 fie semnate de titularul PFA<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Extrasele de cont pe ultimele 6 luni, cu \u00eencas\u0103rile din activitatea de PFA<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Op\u021bional, contractele de colaborare cu companiile pentru care prestezi activitatea definit\u0103 de PFA<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h3><span style=\"font-weight: 400;\">???? <\/span><b>Pentru PFA cu contabilitate \u00een baza normei de venit:<\/b><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Certificatul de \u00eenregistrare al PFA<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Actul de autorizare al desf\u0103\u0219ur\u0103rii activit\u0103\u021bii (dac\u0103 este cazul)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Declara\u021bia fiscal\u0103 unic\u0103 212 pentru anul \u00een curs, al\u0103turi de dovada de depunere la autorit\u0103\u021bile fiscale (recipisa de depunere)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Extrasele de cont pe ultimele 6 luni, cu \u00eencas\u0103rile din activitatea de PFA<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Contractele de colaborare cu companiile pentru care prestezi activitatea definit\u0103 de PFA<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Dac\u0103 e\u0219ti decis c\u0103 vrei s\u0103 accesezi un credit ipotecar cu venituri din PFA \u00ee\u021bi recomand\u0103m s\u0103 verifici ofertele de la minim 3 institu\u021bii bancare \u00eenainte de a lua o decizie.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Aici vine \u00een ajutorul t\u0103u <\/span><a href=\"https:\/\/123credit.ro\/credit-ipotecar\"><span style=\"text-decoration: underline;\"><span style=\"font-weight: 400;\">platforma 123credit<\/span><\/span><\/a><span style=\"font-weight: 400;\">, unde g\u0103se\u0219ti <strong>toate ofertele de la toate b\u0103ncile la un loc<\/strong>, le compari \u0219i decizi care dintre ele este mai potrivit\u0103 pentru tine.\u00a0<\/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\"> 2<\/span> <span class=\"rt-label rt-postfix\">minute<\/span><\/span>&nbsp; Pentru mul\u021bi antreprenori care \u00ee\u0219i desf\u0103\u0219oar\u0103 activitatea ca Persoan\u0103 Fizic\u0103 Autorizat\u0103 (PFA), cump\u0103rarea unei locuin\u021be cu un credit ipotecar poate p\u0103rea un proces complicat \u0219i de lung\u0103 durat\u0103. Lucrurile nu sunt \u00een realitate at\u00e2t de complicate, a\u0219a c\u0103 uite mai jos lucrurile cheie pe care trebuie sa le \u0219tii atunci c\u00e2nd vrei s\u0103 accesezi un credit ipotecar cu venituri  [&#8230;]<\/p>\n","protected":false},"author":7,"featured_media":626,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-625","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-cum-alegi-credit-ipotecar"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Credit ipotecar cu venituri din PFA - Blogul 123Credit<\/title>\n<meta name=\"description\" content=\"Atunci c\u00e2nd vrei s\u0103 accesezi un credit ipotecar cu venituri din PFA trebuie sa te asiguri c\u0103 po\u021bi demonstra stabilitatea veniturilor tale\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/123credit.ro\/blog\/credit-ipotecar-cu-venituri-din-pfa\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Credit ipotecar cu venituri din PFA - Blogul 123Credit\" \/>\n<meta property=\"og:description\" content=\"Atunci c\u00e2nd vrei s\u0103 accesezi un credit ipotecar cu venituri din PFA trebuie sa te asiguri c\u0103 po\u021bi demonstra stabilitatea veniturilor tale\" \/>\n<meta property=\"og:url\" content=\"https:\/\/123credit.ro\/blog\/credit-ipotecar-cu-venituri-din-pfa\/\" \/>\n<meta property=\"og:site_name\" content=\"Blogul 123Credit\" \/>\n<meta property=\"article:published_time\" content=\"2023-10-31T10:53:18+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-08-07T07:25:22+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2023\/10\/Propuneri-vizualuri-Blog-4.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=\"3 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/credit-ipotecar-cu-venituri-din-pfa\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/credit-ipotecar-cu-venituri-din-pfa\\\/\"},\"author\":{\"name\":\"Ionut Verzea\",\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/#\\\/schema\\\/person\\\/e2594027264e89512732b640154587c2\"},\"headline\":\"Credit ipotecar cu venituri din PFA\",\"datePublished\":\"2023-10-31T10:53:18+00:00\",\"dateModified\":\"2024-08-07T07:25:22+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/credit-ipotecar-cu-venituri-din-pfa\\\/\"},\"wordCount\":405,\"commentCount\":0,\"image\":{\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/credit-ipotecar-cu-venituri-din-pfa\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/wp-content\\\/uploads\\\/2023\\\/10\\\/Propuneri-vizualuri-Blog-4.png\",\"articleSection\":[\"Blogul 123Credit te ajuta sa alegi cel mai bun credit ipotecar\"],\"inLanguage\":\"ro-RO\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/123credit.ro\\\/blog\\\/credit-ipotecar-cu-venituri-din-pfa\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/credit-ipotecar-cu-venituri-din-pfa\\\/\",\"url\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/credit-ipotecar-cu-venituri-din-pfa\\\/\",\"name\":\"Credit ipotecar cu venituri din PFA - 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