{"id":664,"date":"2023-11-15T09:32:37","date_gmt":"2023-11-15T07:32:37","guid":{"rendered":"https:\/\/123credit.ro\/blog\/?p=664"},"modified":"2024-08-07T10:46:50","modified_gmt":"2024-08-07T07:46:50","slug":"creditul-ipotecar-pentru-constructia-unei-locuinte","status":"publish","type":"post","link":"https:\/\/123credit.ro\/blog\/creditul-ipotecar-pentru-constructia-unei-locuinte\/","title":{"rendered":"Creditul ipotecar pentru construc\u021bia unei locuin\u021be"},"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><span style=\"font-weight: 400;\"><img decoding=\"async\" class=\" wp-image-666 alignleft\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2023\/11\/Propuneri-vizualuri-Blog-13-1.png\" alt=\"\" width=\"287\" height=\"240\" srcset=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2023\/11\/Propuneri-vizualuri-Blog-13-1-200x168.png 200w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2023\/11\/Propuneri-vizualuri-Blog-13-1-300x251.png 300w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2023\/11\/Propuneri-vizualuri-Blog-13-1-400x335.png 400w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2023\/11\/Propuneri-vizualuri-Blog-13-1-600x503.png 600w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2023\/11\/Propuneri-vizualuri-Blog-13-1-768x644.png 768w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2023\/11\/Propuneri-vizualuri-Blog-13-1-800x671.png 800w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2023\/11\/Propuneri-vizualuri-Blog-13-1.png 940w\" sizes=\"(max-width: 287px) 100vw, 287px\" \/><\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\"><span class=\"fe5nidar khvhiq1o r5qsrrlp i5tg98hk f9ovudaz przvwfww gx1rr48f gfz4du6o r7fjleex nz2484kf svot0ezm dcnh1tix sxl192xd t3g6t33p\"><span class=\"mpj7bzys xzlurrtv\">???? <\/span><\/span>Ce este creditul de construc\u021bie?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Creditul de construc\u021bie pentru cas\u0103 este un <a href=\"https:\/\/123credit.ro\/credit-ipotecar\"><span style=\"text-decoration: underline;\">credit ipotecar\/imobiliar<\/span><\/a>, a c\u0103rui destina\u021bie este construc\u021bia de locuin\u021be.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\"><span class=\"fe5nidar khvhiq1o r5qsrrlp i5tg98hk f9ovudaz przvwfww gx1rr48f gfz4du6o r7fjleex nz2484kf svot0ezm dcnh1tix sxl192xd t3g6t33p\"><span class=\"mpj7bzys xzlurrtv\">???? <\/span><\/span>Diferen\u021bele dintre un <a href=\"https:\/\/123credit.ro\/credit-ipotecar\"><span style=\"text-decoration: underline;\">credit ipotecar standard<\/span><\/a> prin care se poate achizi\u021biona o proprietate finalizat\u0103 \u0219i creditul ipotecar de construc\u021bie:<\/span><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\">perioad\u0103 mai lung\u0103 de timp pentru analiz\u0103 \u0219i aprobare,\u00a0<\/span><\/li>\n<li><span style=\"font-weight: 400;\">dosarul este mai complex, din punctul de vedere al documentelor depuse spre analiz\u0103.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">acordarea banilor se face in minim dou\u0103 tran\u0219e, \u00een func\u021bie de etapele de construc\u021bie<\/span><\/li>\n<li><span style=\"font-weight: 400;\">\u00een func\u021bie de banc\u0103, construc\u021bia se poate face cu o firm\u0103 autorizat\u0103 sau \u00een<\/span><span style=\"font-weight: 400;\"> regie proprie<\/span><\/li>\n<li><span style=\"font-weight: 400;\">trebuie s\u0103 aduci \u00een garan\u021bie un teren intravilan (cel pe care se va construi casa), <\/span><span style=\"font-weight: 400;\">s\u0103<\/span><span style=\"font-weight: 400;\"> fie \u00een proprietatea ta, <\/span><span style=\"font-weight: 400;\">s\u0103<\/span> <span style=\"font-weight: 400;\">aib\u0103<\/span><span style=\"font-weight: 400;\"> certificat de urbanism, s\u0103 existe emis\u0103 o autoriza\u021bie de construc\u021bie \u0219i un deviz de lucr\u0103ri \u0219i <\/span><span style=\"font-weight: 400;\">execu\u021bie<\/span><span style=\"font-weight: 400;\"> avizat de o firm\u0103 specializat\u0103 sau de un diriginte de <\/span><span style=\"font-weight: 400;\">\u0219antier<\/span><span style=\"font-weight: 400;\"> autorizat.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">v\u00e2rsta, \u00eentre 21-75 ani<\/span><\/li>\n<li><span style=\"font-weight: 400;\">dob\u00e2nzile pot fi fixe sau variabile\u00a0<\/span><\/li>\n<li><span style=\"font-weight: 400;\">avansul standard \u00eencepe de la minim 15%, iar \u00een anumite situa\u021bii \u00een func\u021bie de banc\u0103, avansul poate fi constituit \u0219i de terenul adus \u00een garan\u021bie, cel pe care se va construi<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\"><span class=\"fe5nidar khvhiq1o r5qsrrlp i5tg98hk f9ovudaz przvwfww gx1rr48f gfz4du6o r7fjleex nz2484kf svot0ezm dcnh1tix sxl192xd t3g6t33p\"><span class=\"mpj7bzys xzlurrtv\">???? <\/span><\/span>Pa\u0219ii<\/span><span style=\"font-weight: 400;\"> de analiz\u0103 pentru acest dosar sunt:<\/span><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\">se analizeaz\u0103 veniturile participan\u021bilor la credit (solicitant sau codebitor), urm\u00e2nd a se acorda preaprobarea financiar\u0103<\/span><\/li>\n<li><span style=\"font-weight: 400;\">se prezint\u0103 actele referitoare la teren \u0219i construc\u021bia viitoare, iar acestea sunt analizate de departamentul juridic al b\u0103ncii\u00a0<\/span><\/li>\n<li><span style=\"font-weight: 400;\">se efectueaz\u0103 evaluarea terenului \u0219i a construc\u021biei viitoare, iar dup\u0103 se emite raportul de evaluare, banca \u00eel analizeaz\u0103, \u00ee\u0219i d\u0103 acordul juridic pe el sau nu; aprob\u0103 final dosarul t\u0103u.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">se semneaz\u0103 la notar un prim act de ipotec\u0103 asupra terenului<\/span><\/li>\n<li><span style=\"font-weight: 400;\">utilizarea banilor din creditul pentru <\/span><span style=\"font-weight: 400;\">construc\u021bie<\/span><span style=\"font-weight: 400;\"> se va putea efectua pe toat\u0103 perioada de valabilitate a autoriza\u021biei de construire<\/span><\/li>\n<li><span style=\"font-weight: 400;\">banii se vor vira:<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\"><span class=\"fe5nidar khvhiq1o r5qsrrlp i5tg98hk f9ovudaz przvwfww gx1rr48f gfz4du6o r7fjleex nz2484kf svot0ezm dcnh1tix sxl192xd t3g6t33p\"><span class=\"mpj7bzys xzlurrtv\">\u00a0 \u00a0 \u00a0 \u00a0 \u27a1\ufe0f<\/span><\/span>\u00a0\u00een contul clientului, \u00een cazul \u00een care se alege efectuarea lucr\u0103rilor \u00een regie proprie<\/span><\/p>\n<p><span style=\"font-weight: 400;\"><span class=\"fe5nidar khvhiq1o r5qsrrlp i5tg98hk f9ovudaz przvwfww gx1rr48f gfz4du6o r7fjleex nz2484kf svot0ezm dcnh1tix sxl192xd t3g6t33p\"><span class=\"mpj7bzys xzlurrtv\">\u00a0 \u00a0 \u00a0 \u00a0 \u27a1\ufe0f <\/span><\/span>\u00een contul firmei de construc\u021bii dac\u0103 lucr\u0103rile se vor efectua cu o firm\u0103 specializat\u0103<\/span><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\">dup\u0103 utilizarea fiec\u0103rei tran\u0219e de bani, pentru a putea elibera urm\u0103toarea tran\u0219\u0103, se vor urm\u0103ri 2 aspecte: gradul de acoperire cu garan\u021bii \u0219i prezentare de acte doveditoare (facturi, chitan\u021be, etc)<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\"><span class=\"fe5nidar khvhiq1o r5qsrrlp i5tg98hk f9ovudaz przvwfww gx1rr48f gfz4du6o r7fjleex nz2484kf svot0ezm dcnh1tix sxl192xd t3g6t33p\"><span class=\"mpj7bzys xzlurrtv\">???? <\/span><\/span>La finalizarea lucr\u0103rilor, se vor \u00eentocmi:<\/span><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\">procesul verbal de recep\u021bie final\u0103<\/span><\/li>\n<li><span style=\"font-weight: 400;\">certificatul de performan\u021b\u0103 energetic\u0103 (data emiterii acestuia trebuie s\u0103 fie anterioar\u0103 sau cel mult aceea\u0219i cu data procesului verbal de recep\u021bie final\u0103)<\/span><\/li>\n<li><span style=\"font-weight: 400;\">dosarul cadastral ref\u0103cut (teren \u0219i construc\u021bie)<\/span><\/li>\n<li><span style=\"font-weight: 400;\">\u00eencheiere de intabulare teren \u0219i construc\u021bie eliberat\u0103 de Oficiul de Cadastru \u0219i Publicitate Imobiliar\u0103<\/span><\/li>\n<li><span style=\"font-weight: 400;\">extrasul de informare de Carte Funciar\u0103 (teren \u0219i construc\u021bie)<\/span><\/li>\n<li><span style=\"font-weight: 400;\">un raport de evaluare final<\/span><\/li>\n<li><span style=\"font-weight: 400;\">asigurarea PAD \u0219i Facultativ\u0103 a imobilului finalizat, adus \u00een garan\u021bie \u0219i cesionat\u0103 \u00een favoarea B\u0103ncii, pe durata creditului (dac\u0103 acesta face obiectul <\/span><span style=\"font-weight: 400;\">garan\u021biei<\/span><span style=\"font-weight: 400;\"> creditului)<\/span><\/li>\n<li><span style=\"font-weight: 400;\">dup\u0103<\/span><span style=\"font-weight: 400;\"> ce construc\u021bia este finalizat\u0103 se va semna la notar contractul de ipotec\u0103<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><b><i><span class=\"fe5nidar khvhiq1o r5qsrrlp i5tg98hk f9ovudaz przvwfww gx1rr48f gfz4du6o r7fjleex nz2484kf svot0ezm dcnh1tix sxl192xd t3g6t33p\"><span class=\"mpj7bzys xzlurrtv\">???? <\/span><\/span>Bine de \u0219tiut!<\/i><\/b><\/p>\n<p><span style=\"font-weight: 400;\">Dup\u0103<\/span><span style=\"font-weight: 400;\"> aprobarea \u0219i semnarea contractului de credit clientul va <\/span><span style=\"font-weight: 400;\">pl\u0103ti<\/span><span style=\"font-weight: 400;\"> rate raportate la valoarea <\/span><span style=\"font-weight: 400;\">fiec\u0103rei<\/span> <span style=\"font-weight: 400;\">tran\u0219e<\/span><span style=\"font-weight: 400;\"> de credit acordate de banc\u0103.<\/span><\/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>&nbsp; ???? Ce este creditul de construc\u021bie? Creditul de construc\u021bie pentru cas\u0103 este un credit ipotecar\/imobiliar, a c\u0103rui destina\u021bie este construc\u021bia de locuin\u021be. &nbsp; &nbsp; &nbsp; ???? Diferen\u021bele dintre un credit ipotecar standard prin care se poate achizi\u021biona o proprietate finalizat\u0103 \u0219i creditul ipotecar de construc\u021bie: perioad\u0103 mai lung\u0103 de timp pentru analiz\u0103 \u0219i aprobare,\u00a0 dosarul este mai complex, din  [&#8230;]<\/p>\n","protected":false},"author":7,"featured_media":666,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-664","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>Creditul ipotecar pentru construc\u021bia unei locuin\u021be - Blogul 123Credit<\/title>\n<meta name=\"description\" content=\"Creditul de construc\u021bie pentru cas\u0103 este un credit ipotecar\/imobiliar, a c\u0103rui destina\u021bie este construc\u021bia de locuin\u021be. 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