{"id":683,"date":"2023-11-20T11:59:51","date_gmt":"2023-11-20T09:59:51","guid":{"rendered":"https:\/\/123credit.ro\/blog\/?p=683"},"modified":"2024-08-29T14:12:53","modified_gmt":"2024-08-29T11:12:53","slug":"refinantare-credit-beneficii-si-costuri","status":"publish","type":"post","link":"https:\/\/123credit.ro\/blog\/refinantare-credit-beneficii-si-costuri\/","title":{"rendered":"Refinan\u021bare credit &#8211; Beneficii \u0219i costuri"},"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><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 fusion-flex-container nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1144px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-1\"><p><b><img decoding=\"async\" class=\" wp-image-689 alignleft\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2023\/11\/Propuneri-vizualuri-Blog-15.png\" alt=\"\" width=\"255\" height=\"214\" srcset=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2023\/11\/Propuneri-vizualuri-Blog-15-200x168.png 200w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2023\/11\/Propuneri-vizualuri-Blog-15-300x251.png 300w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2023\/11\/Propuneri-vizualuri-Blog-15-400x335.png 400w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2023\/11\/Propuneri-vizualuri-Blog-15-600x503.png 600w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2023\/11\/Propuneri-vizualuri-Blog-15-768x644.png 768w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2023\/11\/Propuneri-vizualuri-Blog-15-800x671.png 800w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2023\/11\/Propuneri-vizualuri-Blog-15.png 940w\" sizes=\"(max-width: 255px) 100vw, 255px\" \/><\/b><\/p>\n<h3 data-fontsize=\"26\" style=\"--fontSize: 26; line-height: 1.2;\" data-lineheight=\"31.2px\" class=\"fusion-responsive-typography-calculated\"><b>Ce este refinan\u021barea? <span class=\"fe5nidar khvhiq1o r5qsrrlp i5tg98hk f9ovudaz przvwfww gx1rr48f gfz4du6o r7fjleex nz2484kf svot0ezm dcnh1tix sxl192xd t3g6t33p\"><span class=\"mpj7bzys xzlurrtv\">????<\/span><\/span><\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Refinan\u021barea unui credit reprezint\u0103 o modalitate prin care po\u021bi ob\u021bine un nou \u00eemprumut pentru a pl\u0103ti unul existent. Scopul principal este de a ob\u021bine condi\u021bii mai bune de creditare, cum ar fi o dob\u00e2nd\u0103 mai mic\u0103 sau un termen de rambursare mai favorabil. Aceast\u0103 strategie poate ajuta la reducerea costurilor lunare \u0219i la gestionarea mai eficient\u0103 a datoriilor.<\/span><\/p>\n<\/p>\n<h3 data-fontsize=\"26\" style=\"--fontSize: 26; line-height: 1.2;\" data-lineheight=\"31.2px\" class=\"fusion-responsive-typography-calculated\"><\/h3>\n<h3 data-fontsize=\"26\" style=\"--fontSize: 26; line-height: 1.2;\" data-lineheight=\"31.2px\" class=\"fusion-responsive-typography-calculated\"><b>Care sunt criteriile de eligibilitatea pentru refinan\u021barea unui credit? <span class=\"fe5nidar khvhiq1o r5qsrrlp i5tg98hk f9ovudaz przvwfww gx1rr48f gfz4du6o r7fjleex nz2484kf svot0ezm dcnh1tix sxl192xd t3g6t33p\"><span class=\"mpj7bzys xzlurrtv\">????<\/span><\/span><\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Criteriile de eligibilitate pentru refinan\u021barea unui credit sunt similare cu cele necesare \u00een cazul ob\u021binerii unui credit nou. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Aceste pot include un istoric de plat\u0103 bun, venituri stabile, grad de acoperire cu garan\u021bii la valorile cerute de banc\u0103 pentru creditele ipotecare, scor de credit adecvat, capacitate de rambursare \u0219i furnizarea documentelor necesare, aceste cerin\u021be put\u00e2nd varia \u00een func\u021bie de institu\u021bia financiar\u0103 \u0219i tipul de credit solicitat.<\/span><\/p>\n<\/p>\n<h3 data-fontsize=\"26\" style=\"--fontSize: 26; line-height: 1.2;\" data-lineheight=\"31.2px\" class=\"fusion-responsive-typography-calculated\"><b>C\u00e2t te cost\u0103 s\u0103 refinan\u021bezi un credit? <span class=\"fe5nidar khvhiq1o r5qsrrlp i5tg98hk f9ovudaz przvwfww gx1rr48f gfz4du6o r7fjleex nz2484kf svot0ezm dcnh1tix sxl192xd t3g6t33p\"><span class=\"mpj7bzys xzlurrtv\">????<\/span><\/span><\/b><\/h3>\n<p><span style=\"font-weight: 400;\"><a href=\"https:\/\/123credit.ro\/refinantare-credit-nevoi-personale\"><strong>Refinan\u021bare credit de nevoi personale<\/strong><\/a> &#8211; dac\u0103 este vorba de <\/span><a href=\"https:\/\/123credit.ro\/refinantare-credit-nevoi-personale\"><span style=\"text-decoration: underline;\"><span style=\"font-weight: 400;\">refinan\u021barea unui credit de nevoi personale<\/span><\/span><\/a><span style=\"font-weight: 400;\">, <\/span><span style=\"font-weight: 400;\">\u00een general vei avea de achitat: <\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">comisionul de analiz\u0103 la banca de unde iei creditul de refinan\u021bare (care poate fi \u00eentre 0 \u0219i 400 de lei), <\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">taxa de \u00eenscriere a gajurilor pe cont \u00een RNPM (87.6 lei in prezent), <\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">comisionul de transfer al creditului de refinan\u021bare c\u0103tre banca de unde refinan\u021bezi. <\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\"><a href=\"https:\/\/123credit.ro\/refinantare-credit-ipotecar\"><strong>Refinan\u021bare credit ipotecar<\/strong><\/a> &#8211; dac\u0103 <\/span><span style=\"font-weight: 400;\">vei <a href=\"https:\/\/123credit.ro\/refinantare-credit-ipotecar\"><span style=\"text-decoration: underline;\">refinan\u021ba un credit ipotecar<\/span><\/a><\/span><span style=\"font-weight: 400;\">, pe l\u00e2ng\u0103 comisionul de analiz\u0103 \u0219i  taxa de \u00eenscriere gaj \u00een RNPM vei mai avea de achitat: <\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">taxa de evaluare a propriet\u0103\u021bii ce face obiectul creditului ipotecar refinan\u021bat, <\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">taxele notariale pentru schimbarea ipotecii \u00een favoarea noii b\u0103nci, <\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">comisioanele de transfer al banilor c\u0103tre banca de la care refinan\u021bezi, transfer care \u00eentotdeauna se va face prin OPC. <\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Un cost general pentru refinan\u021barea unui credit ipotecar poate ajunge \u0219i la valori \u00eentre 3.000 de lei \u0219i 4.000 de lei. De aceea, atunci c\u00e2nd refinan\u021bezi un credit ipotecar cu scopul de a sc\u0103dea rata lunar\u0103, asigur\u0103-te c\u0103 taxele pl\u0103tite pentru refinan\u021bare se vor amortiza \u00een timpul cel mai scurt, ideal nu mai t\u00e2rziu de 12 luni. <\/span><\/p>\n<\/p>\n<h3 data-fontsize=\"26\" style=\"--fontSize: 26; line-height: 1.2;\" data-lineheight=\"31.2px\" class=\"fusion-responsive-typography-calculated\"><b>Care sunt beneficiile unei refinan\u021b\u0103ri? <span class=\"fe5nidar khvhiq1o r5qsrrlp i5tg98hk f9ovudaz przvwfww gx1rr48f gfz4du6o r7fjleex nz2484kf svot0ezm dcnh1tix sxl192xd t3g6t33p\"><span class=\"mpj7bzys xzlurrtv\">????<\/span><\/span><\/b><b><\/b><\/h3>\n<h4 data-fontsize=\"18\" style=\"--fontSize: 18; line-height: 1.2; --minFontSize: 18;\" data-lineheight=\"21.6px\" class=\"fusion-responsive-typography-calculated\"><b><span class=\"fe5nidar khvhiq1o r5qsrrlp i5tg98hk f9ovudaz przvwfww gx1rr48f gfz4du6o r7fjleex nz2484kf svot0ezm dcnh1tix sxl192xd t3g6t33p\"><span class=\"mpj7bzys xzlurrtv\">\u27a1\ufe0f <\/span><\/span>Po\u021bi ob\u021bine o sum\u0103 suplimentar\u0103<\/b><\/h4>\n<p><span style=\"font-weight: 400;\">Procesul de refinan\u021bare \u00ee\u021bi permite s\u0103 rambursezi creditul curent \u0219i s\u0103 solici\u021bi un nou \u00eemprumut cu condi\u021bii mai favorabile sau pentru o sum\u0103 mai mare. Acest lucru poate fi util pentru diverse nevoi, cum ar fi \u00eembun\u0103t\u0103\u021biri ale locuin\u021bei, consolidarea datoriilor sau alte cheltuieli.<\/span><\/p>\n<p><b>\u00cen mod particular <\/b><span style=\"font-weight: 400;\">trebuie s\u0103 \u0219tii c\u0103 la refinan\u021barea unui credit ipotecar (folosit ini\u021bial pentru cump\u0103rarea unei locuin\u021be), refinan\u021barea se va face doar pentru soldul creditului r\u0103mas de plat\u0103, f\u0103r\u0103 o sum\u0103 suplimentar\u0103.<\/span><b><\/b><\/p>\n<\/p>\n<h4 data-fontsize=\"18\" style=\"--fontSize: 18; line-height: 1.2; --minFontSize: 18;\" data-lineheight=\"21.6px\" class=\"fusion-responsive-typography-calculated\"><b><span class=\"fe5nidar khvhiq1o r5qsrrlp i5tg98hk f9ovudaz przvwfww gx1rr48f gfz4du6o r7fjleex nz2484kf svot0ezm dcnh1tix sxl192xd t3g6t33p\"><span class=\"mpj7bzys xzlurrtv\">\u27a1\ufe0f <\/span><\/span>Po\u021bi ob\u021bine o sc\u0103dere a ratei<\/b><\/h4>\n<p><span style=\"font-weight: 400;\">Refinan\u021barea unui credit poate duce la o reducere a ratei lunare de plat\u0103, fie prin ob\u021binerea unei dob\u00e2nzi mai mici sau prin extinderea termenului de rambursare. <\/span><\/p>\n<p><b><\/b><span style=\"font-weight: 400;\">Totu\u0219i, este important s\u0103 iei \u00een considerare c\u0103, de\u0219i rata lunar\u0103 mai mic\u0103 poate aduce beneficii pe termen scurt, extinderea termenului poate implica costuri totale mai mari pe durata \u00eentregului \u00eemprumut.<\/span><\/p>\n<\/p>\n<h4 data-fontsize=\"18\" style=\"--fontSize: 18; line-height: 1.2; --minFontSize: 18;\" data-lineheight=\"21.6px\" class=\"fusion-responsive-typography-calculated\"><b><span class=\"fe5nidar khvhiq1o r5qsrrlp i5tg98hk f9ovudaz przvwfww gx1rr48f gfz4du6o r7fjleex nz2484kf svot0ezm dcnh1tix sxl192xd t3g6t33p\"><span class=\"mpj7bzys xzlurrtv\">\u27a1\ufe0f <\/span><\/span>Po\u021bi refinan\u021ba mai multe credite \u00eentr-unul singur<\/b><\/h4>\n<p><span style=\"font-weight: 400;\">Ai posibilitatea s\u0103 refinan\u021bezi mai multe credite \u00eentr-un singur credit consolidat, cunoscut sub numele de consolidare a creditelor. Acest lucru \u00ee\u021bi permite s\u0103 combini mai multe credite \u00eentr-un singur \u00eemprumut, cu o rat\u0103 de dob\u00e2nd\u0103 \u0219i o rat\u0103 lunar\u0103 de plat\u0103 unificate.<\/span><\/p>\n<\/p>\n<p>Hai pe <a href=\"https:\/\/123credit.ro\/\">123credit.ro<\/a> \u0219i ia-\u021bi <span style=\"text-decoration: underline;\"><a href=\"https:\/\/123credit.ro\/refinantari\">refinan\u021barea potrivit\u0103<\/a><\/span> pentru tine.<\/p><\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-2 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:30px;--awb-padding-bottom:30px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-justify-content-center fusion-flex-content-wrap\" style=\"max-width:1144px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-1 fusion_builder_column_1_2 1_2 fusion-flex-column\" style=\"--awb-padding-top:30PX;--awb-padding-right:30PX;--awb-padding-bottom:30PX;--awb-padding-left:30PX;--awb-overflow:hidden;--awb-bg-color:#fafafa;--awb-bg-color-hover:#fafafa;--awb-bg-size:cover;--awb-border-color:#dadada;--awb-border-top:1px;--awb-border-right:1px;--awb-border-bottom:1px;--awb-border-left:1px;--awb-border-style:solid;--awb-border-radius:20PX 20PX 20PX 20PX;--awb-width-large:50%;--awb-margin-top-large:0px;--awb-spacing-right-large:3.84%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:3.84%;--awb-width-medium:50%;--awb-order-medium:0;--awb-spacing-right-medium:3.84%;--awb-spacing-left-medium:3.84%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-1 fusion-sep-none fusion-title-center fusion-title-text fusion-title-size-five\" style=\"--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:10px;--awb-margin-left-small:0px;\"><h5 class=\"fusion-title-heading title-heading-center fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:16;--minFontSize:16;line-height:var(--awb-typography1-line-height);\">Hai pe 123credit.ro \u0219i ia-\u021bi refinan\u021barea potrivit\u0103 pentru tine.<\/h5><\/div><div style=\"text-align:center;\"><a class=\"fusion-button button-flat fusion-button-default-size button-default fusion-button-default button-1 fusion-button-span-no fusion-button-default-type\" target=\"_self\" href=\"https:\/\/123credit.ro\/refinantari\"><span class=\"fusion-button-text awb-button__text awb-button__text--default\">Vreau refinantare!<\/span><\/a><\/div><\/div><\/div><\/div><\/div><\/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><\/p>\n","protected":false},"author":9,"featured_media":689,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[17],"tags":[],"class_list":["post-683","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-legislatie"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Refinan\u021bare credit - Beneficii \u0219i costuri - Blogul 123Credit<\/title>\n<meta name=\"description\" content=\"Refinan\u021barea unui credit reprezint\u0103 o modalitate prin care po\u021bi ob\u021bine un nou \u00eemprumut pentru a pl\u0103ti unul existent. 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