{"id":637,"date":"2023-11-06T10:41:02","date_gmt":"2023-11-06T08:41:02","guid":{"rendered":"https:\/\/123credit.ro\/blog\/?p=637"},"modified":"2026-10-08T13:18:36","modified_gmt":"2026-10-08T10:18:36","slug":"credit-ipotecar-cu-venituri-din-dividende","status":"publish","type":"post","link":"https:\/\/123credit.ro\/blog\/credit-ipotecar-cu-venituri-din-dividende\/","title":{"rendered":"Credit ipotecar cu venituri din dividende"},"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\"> 3<\/span> <span class=\"rt-label rt-postfix\">minute<\/span><\/span><p>Veniturile din dividende pot fi luate \u00een calcul la un credit ipotecar, cu condi\u021bia s\u0103 dovede\u0219ti c\u0103 le-ai \u00eencasat. Procentul din dividende care intr\u0103 \u00een calculul venitului difer\u0103 de la o banc\u0103 la alta.<\/p>\n<p>Mai jos vezi ce acte cer b\u0103ncile pentru dividende, cum dovede\u0219ti \u00eencasarea, cum te afecteaz\u0103 impozitul de 16% din 2026 \u0219i ce alte venituri se iau \u00een calcul.<\/p>\n<p><span style=\"font-weight: 400;\">Institu\u021biile financiare iau \u00een considerare o varietate de surse de venituri atunci c\u00e2nd evalueaz\u0103 solicit\u0103rile de credit. Veniturile din dividende pot fi luate \u00een considerare, dar ar trebui s\u0103 po\u021bi furniza documente sau dovezi care s\u0103 ateste aceste venituri. De asemenea, asigur\u0103-te c\u0103 po\u021bi demonstra stabilitatea veniturilor \u0219i c\u0103 \u00eendepline\u0219ti celelalte cerin\u021be specifice ale b\u0103ncii sau institu\u021biei financiare la care dore\u0219ti s\u0103 aplici pentru credit.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Alte venituri luate des \u00een considerare de institu\u021biile financiare sunt cele provenite din: salarii, pensii, <a href=\"https:\/\/123credit.ro\/blog\/credit-ipotecar-cu-indemnizatia-de-crestere-a-copilului\/\"><span style=\"text-decoration: underline;\">indemniza\u021bie de cre\u0219tere copil<\/span><\/a>, <a href=\"https:\/\/123credit.ro\/blog\/credit-ipotecar-cu-venituri-din-pfa\/\"><span style=\"text-decoration: underline;\">activit\u0103\u021bi independente<\/span><\/a> (PFA sau drepturi de autor), chirii, contracte de mandat sau de management, diurne ale transportatorilor \u0219i chiar venituri salariale sau din pensie ob\u021binute \u00een str\u0103in\u0103tate.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Dac\u0103 vrei un credit ipotecar \u0219i ai venituri din dividende, pe l\u00e2ng\u0103 <a href=\"https:\/\/123credit.ro\/blog\/acte-necesare-credit-ipotecar-ghid-complet\/\" target=\"_blank\" rel=\"noopener noreferrer\">actele generale pentru credit ipotecar<\/a>, vei avea nevoie de:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Copia actului constitutiv al firmei de la care ob\u021bii dividende<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Certificatul de \u00eenregistrare al firmei\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Copie certificat constatator de la Registrul Comer\u021bului<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">Bilan\u021bul pe ultimii 2 ani financiari, cu contul de profit \u0219i pierdere, \u0219i balan\u021ba de verificare (ultima lunar\u0103 sau cea de la finalul anului, \u00een func\u021bie de banc\u0103)<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">Declara\u021bia 205 (rubrica &#8222;Dividende pl\u0103tite&#8221;) \u0219i recipisa de depunere la ANAF, dac\u0103 banca o accept\u0103 ca dovad\u0103 a \u00eencas\u0103rii<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Decizia ac\u021bionarilor\/asocia\u021bilor de \u00eemp\u0103r\u021bire a profitului (hot\u0103r\u00e2rile AGA)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Dovada \u00eencas\u0103rii dividendelor nete (vezi mai jos) \u0219i dovada pl\u0103\u021bii impozitului c\u0103tre bugetul de stat<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">Fi\u0219a contului 457 &#8222;Dividende de plat\u0103&#8221; (la unele b\u0103nci)<\/li>\n<\/ul>\n<h2><strong>Cum dovede\u0219ti \u00eencasarea dividendelor<\/strong><\/h2>\n<p>Pe l\u00e2ng\u0103 situa\u021biile financiare ale firmei, banca cere dovada dividendelor pe care le-ai \u00eencasat efectiv. La Raiffeisen, de exemplu, dovada se cere pentru ambii ani financiari lua\u021bi \u00een calcul \u0219i se face \u00een unul dintre aceste moduri:<\/p>\n<ul>\n<li>Extras de cont care arat\u0103 dividendele nete \u00eencasate, emis \u00eencep\u00e2nd cu data distribuirii profitului.<\/li>\n<li>Plata \u00een numerar de la casieria firmei: dispozi\u021bia de plat\u0103 (maximum 10.000 de lei pe zi) \u0219i foaia din registrul de cas\u0103 din ziua pl\u0103\u021bii.<\/li>\n<li>Declara\u021bia 205, cu rubrica &#8222;Dividende pl\u0103tite&#8221; \u0219i recipisa de depunere la ANAF.<\/li>\n<\/ul>\n<p>Declara\u021bia 205 o depune firma care a pl\u0103tit dividendele, pentru fiecare asociat, p\u00e2n\u0103 la sf\u00e2r\u0219itul lunii februarie a anului urm\u0103tor. Raiffeisen o accept\u0103 doar dac\u0103 include exclusiv datele tale (\u0219i ale codebitorului, dac\u0103 ai unul). Dac\u0103 apar \u0219i al\u021bi asocia\u021bi care nu particip\u0103 la credit, folose\u0219ti extrasul de cont.<\/p>\n<h2><strong>Cum te afecteaz\u0103 impozitul pe dividende din 2026<\/strong><\/h2>\n<p>De la 1 ianuarie 2026, impozitul pe dividende pentru persoane fizice este de 16% (fa\u021b\u0103 de 10% p\u00e2n\u0103 \u00een 2025), iar impozitul este final. \u00cel re\u021bine \u0219i \u00eel pl\u0103te\u0219te firma, p\u00e2n\u0103 pe 25 ale lunii urm\u0103toare pl\u0103\u021bii dividendelor. Banca ia \u00een calcul dividendele nete, deci la aceea\u0219i sum\u0103 distribuit\u0103, venitul t\u0103u din dividende poate ie\u0219i mai mic dec\u00e2t \u00een anii trecu\u021bi. Detalii despre taxe: <a href=\"https:\/\/123credit.ro\/blog\/ce-inseamna-dividende\/\" target=\"_blank\" rel=\"noopener noreferrer\">ce \u00eenseamn\u0103 dividende<\/a> \u0219i <a href=\"https:\/\/123credit.ro\/blog\/venituri-din-dividende-pf\/\" target=\"_blank\" rel=\"noopener noreferrer\">venituri din dividende persoan\u0103 fizic\u0103<\/a>.<\/p>\n<p><span style=\"font-weight: 400;\">Pentru a afla dac\u0103 e\u0219ti eligibil pentru un credit ipotecar cu venituri din dividende, hai pe <a href=\"https:\/\/123credit.ro\/\"><span style=\"text-decoration: underline;\">123credit.ro<\/span><\/a> \u0219i creeaz\u0103-\u021bi un cont sau afl\u0103 c\u00e2t de mult po\u021bi \u00eemprumuta folosind <a href=\"https:\/\/123credit.ro\/calculator-imprumut\"><span style=\"text-decoration: underline;\">calculatorul nostru de credit<\/span><\/a>.<\/span><\/p>\n<h3><strong>Este posibil s\u0103 ob\u021bii un credit ipotecar cu venituri din dividende?<\/strong><\/h3>\n<p>Da. Banca \u00ee\u021bi cere s\u0103 dovede\u0219ti c\u0103 le-ai \u00eencasat (la Raiffeisen, de exemplu, pentru ambii ani financiari lua\u021bi \u00een calcul), iar procentul din dividende care intr\u0103 \u00een calculul venitului difer\u0103 de la o banc\u0103 la alta.<\/p>\n<p>&nbsp;<\/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>Veniturile din dividende pot fi luate \u00een calcul la un credit ipotecar, cu condi\u021bia s\u0103 dovede\u0219ti c\u0103 le-ai \u00eencasat. Procentul din dividende care intr\u0103 \u00een calculul venitului difer\u0103 de la o banc\u0103 la alta. Mai jos vezi ce acte cer b\u0103ncile pentru dividende, cum dovede\u0219ti \u00eencasarea, cum te afecteaz\u0103 impozitul de 16% din 2026 \u0219i ce alte venituri se iau  [&#8230;]<\/p>\n","protected":false},"author":7,"featured_media":638,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[17],"tags":[],"class_list":["post-637","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-legislatie"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Credit ipotecar cu venituri din dividende - Blogul 123Credit<\/title>\n<meta name=\"description\" content=\"Po\u021bi lua credit ipotecar cu venituri din dividende: ce acte cer b\u0103ncile, cum dovede\u0219ti \u00eencasarea \u0219i cum te afecteaz\u0103 impozitul de 16%.\" \/>\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-dividende\/\" \/>\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 dividende - 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