{"id":704,"date":"2023-11-20T14:07:37","date_gmt":"2023-11-20T12:07:37","guid":{"rendered":"https:\/\/123credit.ro\/blog\/?p=704"},"modified":"2024-09-20T16:29:13","modified_gmt":"2024-09-20T13:29:13","slug":"proprietati-achizitionate-cu-un-credit-ipotecar","status":"publish","type":"post","link":"https:\/\/123credit.ro\/blog\/proprietati-achizitionate-cu-un-credit-ipotecar\/","title":{"rendered":"Propriet\u0103\u021bi achizi\u021bionate cu un credit ipotecar"},"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><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><span style=\"font-weight: 400;\"><img decoding=\"async\" class=\" wp-image-706 alignleft\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2023\/11\/Propuneri-vizualuri-Blog-16-1.png\" alt=\"\" width=\"266\" height=\"223\" srcset=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2023\/11\/Propuneri-vizualuri-Blog-16-1-200x168.png 200w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2023\/11\/Propuneri-vizualuri-Blog-16-1-300x251.png 300w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2023\/11\/Propuneri-vizualuri-Blog-16-1-400x335.png 400w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2023\/11\/Propuneri-vizualuri-Blog-16-1-600x503.png 600w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2023\/11\/Propuneri-vizualuri-Blog-16-1-768x644.png 768w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2023\/11\/Propuneri-vizualuri-Blog-16-1-800x671.png 800w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2023\/11\/Propuneri-vizualuri-Blog-16-1.png 940w\" sizes=\"(max-width: 266px) 100vw, 266px\" \/><\/span><\/p>\n<p>Achizi\u021bionarea unei locuin\u021be este un pas important, iar un credit ipotecar este o op\u021biune popular\u0103 pentru a transforma acest vis \u00een realitate.<\/p>\n<p> Dar ce presupune acest tip de credit \u0219i ce propriet\u0103\u021bi po\u021bi achizi\u021biona cu el? \u00cen acest articol, vom explora criteriile de eligibilitate \u0219i tipurile de propriet\u0103\u021bi pe care le po\u021bi cump\u0103ra cu un credit ipotecar.<\/p>\n<h4 data-fontsize=\"18\" style=\"--fontSize: 18; line-height: 1.2; --minFontSize: 18;\" data-lineheight=\"21.6px\" class=\"fusion-responsive-typography-calculated\"><\/h4>\n<\/p>\n<h2 style=\"--fontSize: 18; line-height: 1.2; --minFontSize: 18;\"><b><span class=\"fe5nidar khvhiq1o r5qsrrlp i5tg98hk f9ovudaz przvwfww gx1rr48f gfz4du6o r7fjleex nz2484kf svot0ezm dcnh1tix sxl192xd t3g6t33p\"><span class=\"mpj7bzys xzlurrtv\" data-fusion-font=\"true\" style=\"font-size: 26px;\">\u27a1\ufe0f <\/span><\/span><span data-fusion-font=\"true\" style=\"font-size: 26px;\">C\u00e2nd aplici pentru un <\/span><a href=\"https:\/\/123credit.ro\/credit-ipotecar\" data-fusion-font=\"true\" style=\"font-size: 26px; color: var(--awb-color4);\">credit ipotecar<\/a><span data-fusion-font=\"true\" style=\"font-size: 26px;\"> de achizi\u021bie a unui imobil, \u021bine cont de urm\u0103toarele:<\/span><\/b><\/h2>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Ai \u00eentre 20 \u0219i 60 de ani<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Venitul t\u0103u net lunar \u00eencasat \u0219i raportat la ANAF este de cel pu\u021bin 2500 lei<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Contractul t\u0103u de munc\u0103 este pe perioad\u0103 nedeterminat\u0103<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Ai minim 12 luni vechime total\u0103 \u00een munc\u0103, nu ai \u00eentreruperi \u00een munc\u0103 mai mari de 30 de zile pe parcursul ultimelor 12 luni \u0219i ai minim 3 salarii \u00eencasate \u0219i raportate la ANAF la ultimul angajator (4 luni calendaristice)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Ai un avans de minim 15% din pre\u021bul de v\u00e2nzare al propriet\u0103\u021bii pe care dore\u0219ti s\u0103 o cumperi<\/span><\/li>\n<\/ul>\n<h2 style=\"--fontSize: 18; line-height: 1.2; --minFontSize: 18;\"><b><span class=\"fe5nidar khvhiq1o r5qsrrlp i5tg98hk f9ovudaz przvwfww gx1rr48f gfz4du6o r7fjleex nz2484kf svot0ezm dcnh1tix sxl192xd t3g6t33p\"><span class=\"mpj7bzys xzlurrtv\" data-fusion-font=\"true\" style=\"font-size: 26px;\">\u27a1\ufe0f <\/span><\/span><span data-fusion-font=\"true\" style=\"font-size: 26px;\">Ce propriet\u0103\u021bi po\u021bi achizi\u021biona cu un <\/span><a href=\"https:\/\/123credit.ro\/credit-ipotecar\" data-fusion-font=\"true\" style=\"font-size: 26px;\">credit ipotecar<\/a><span data-fusion-font=\"true\" style=\"font-size: 26px;\">? <\/span><\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Un credit ipotecar este acel credit pe care o banc\u0103 sau un IFN \u00eel va acorda pentru cump\u0103rarea unei propriet\u0103\u021bi cu destina\u021bie reziden\u021bial\u0103. Adic\u0103 acel tip de proprietate care va fi casa \u00een care locuie\u0219ti tu \u0219i familia ta. Exist\u0103 \u0219i excep\u021bii, caz \u00een care o banc\u0103 poate finan\u021ba achizi\u021bia unei propriet\u0103\u021bi care va reprezenta doar o investi\u021bie imobiliar\u0103.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">O banc\u0103 nu va finan\u021ba un credit ipotecar pentru propriet\u0103\u021bi care vor avea destina\u021bie comercial\u0103, cum ar fi sediul unei firme, spa\u021biul unde se va amenaja un magazin, un depozit sau un birou. <\/span><\/p>\n<\/p>\n<h2 style=\"--fontSize: 18; line-height: 1.2; --minFontSize: 18;\"><b> <span class=\"fe5nidar khvhiq1o r5qsrrlp i5tg98hk f9ovudaz przvwfww gx1rr48f gfz4du6o r7fjleex nz2484kf svot0ezm dcnh1tix sxl192xd t3g6t33p\"><span class=\"mpj7bzys xzlurrtv\">???? <\/span><\/span><span data-fusion-font=\"true\" style=\"font-size: 26px;\">Important<\/span>:<\/b><\/h2>\n<p><span style=\"text-decoration: underline;\"><span style=\"font-weight: 400;\">Fii atent la faptul ca b\u0103ncile nu acorda credite pentru imobile care sunt \u00eenscrise \u00eentr-o categorie de risc seismic.<\/span><\/span><\/p>\n<h2><span style=\"font-weight: 400; font-size: 26px;\" data-fusion-font=\"true\">Actele de proprietate cerute \u00een general de banc\u0103 atunci c\u00e2nd acord\u0103 un credit ipotecar sunt:<\/span><\/h2>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">actul de proprietate (<\/span><i><span style=\"font-weight: 400;\">ex. contract de v\u00e2nzare, certificat de mo\u0219tenitor, act de dona\u021bie, act de adjudecare, etc<\/span><\/i><span style=\"font-weight: 400;\">.)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">\u00cencheierea de intabulare (<\/span><i><span style=\"font-weight: 400;\">Actul care atest\u0103 c\u0103 proprietatea a fost \u00eenscris\u0103 \u00een Cartea Funciar\u0103 pe numele v\u00e2nz\u0103torului<\/span><\/i><span style=\"font-weight: 400;\">)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Releveul (<\/span><i><span style=\"font-weight: 400;\">schi\u021ba interioar\u0103 a propriet\u0103\u021bii<\/span><\/i><span style=\"font-weight: 400;\">)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Planul de amplasament \u0219i delimitare (<\/span><i><span style=\"font-weight: 400;\">schi\u021ba zonei \u00een care este construit\u0103 proprietatea, cu detalierea vecin\u0103t\u0103\u021bilor imobilului<\/span><\/i><span style=\"font-weight: 400;\">)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Extrasul de carte funciar\u0103 (<\/span><i><span style=\"font-weight: 400;\">documentul emis de Cartea Funciar\u0103 \u00een care sunt detaliate informa\u021bii legate de p\u0103r\u021bile componente ale propriet\u0103\u021bii, de istoricul de dob\u00e2ndire, sarcini \u0219i ipoteci pe care proprietatea le poate avea \u00een favoarea unei institu\u021bii de credit sau persoane fizice<\/span><\/i><span style=\"font-weight: 400;\">)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Certificatul de eficien\u021b\u0103 energetic\u0103<\/span><\/li>\n<\/ul>\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>Cump\u0103rarea unei locuin\u021be este una dintre cele mai importante investi\u021bii pe care o persoan\u0103 le va face de-a lungul vie\u021bii. De aceea, atunci c\u00e2nd vrei s\u0103 accesezi un credit ipotecar trebuie s\u0103 ai \u00een vedere urm\u0103toarele taxe \u0219i comisioane:<\/b><\/h4>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Taxa de evaluare a propriet\u0103\u021bii cump\u0103rate. Aceast\u0103 cheltuial\u0103 este \u00een jur de 500 lei dac\u0103 este apartament \u0219i pana la 1000 lei dac\u0103 este casa cu curte<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Comisionul de analiz\u0103 a creditului ipotecar. Unele b\u0103nci nu aplic\u0103 un astfel de comision, dar altele pot percepe p\u00e2n\u0103 la 900 lei pentru analiza dosarului<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Taxa de \u00eenscriere a gajului pe conturile curente deschise la banca o dat\u0103 cu accesarea creditului \u00een Registrul Na\u021bional de Publicitate Mobiliar\u0103 (RNPM). \u00cen prezent valoarea acestei taxe este de 86.7 lei<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Comisionul de transfer al banilor din credit c\u0103tre v\u00e2nz\u0103tor. Acest comision difer\u0103 de la o banc\u0103 la alta, \u00een func\u021bie de lista de taxe \u0219i comisioane, dar \u00een general, pentru un transfer f\u0103cut \u00een lei, comisionul perceput pentru un \u201cordin de plat\u0103 simplu\u201d nu ar trebui s\u0103 dep\u0103\u0219easc\u0103 50 de lei<\/span><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Dac\u0103 \u00een schimb cumperi o proprietate pentru care v\u00e2nz\u0103torul are \u00een derulare un credit ipotecar \u0219i o ipotec\u0103 la o alt\u0103 banc\u0103, transferul banilor se va face prin \u201cordin de plat\u0103 condi\u021bionat\u201d, iar costul acestuia, pentru emitere \u0219i \u00eencasare, \u00een func\u021bie de valoarea creditului transferat, poate ajunge \u0219i la aproximativ 400 lei.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">      5. Taxele notariale, percepute de un birou notarial pentru autentificarea contractului de v\u00e2nzare \u0219i a contractului de ipotec\u0103 semnat cu banca. Acest cost poate fi diferit de la notar la notar, dar principalul factor care influen\u021beaz\u0103 valoarea acestor taxe este valoarea contractului de v\u00e2nzare (pre\u021bul casei) \u0219i valoarea contractului de ipotec\u0103 (valoarea creditului ipotecar). <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Dac\u0103 ne vom raporta la taxele notariale minime pe grila notarial\u0103, pentru un contract de v\u00e2nzare de 100.000 de euro \u0219i un contract de ipotec\u0103 de 85.000 de euro, vei pl\u0103ti taxe notariale totale de aproximativ 8.000 lei<\/span><\/p>\n<\/p>\n<h2 style=\"--fontSize: 18; line-height: 1.2; --minFontSize: 18;\"><b data-fusion-font=\"true\" style=\"font-size: 26px;\">Concluzie<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Un credit ipotecar ofer\u0103 oportunit\u0103\u021bi variate \u00een ceea ce prive\u0219te achizi\u021bionarea de propriet\u0103\u021bi. Indiferent dac\u0103 \u00ee\u021bi dore\u0219ti o cas\u0103 confortabil\u0103, un apartament \u00een centrul ora\u0219ului sau o investi\u021bie imobiliar\u0103, creditul ipotecar poate fi cheia pentru a-\u021bi \u00eendeplini visul. <\/span><\/p>\n<p> <span style=\"background-color: rgba(255, 255, 255, 0); color: var(--body_typography-color); font-family: var(--body_typography-font-family); font-size: var(--body_typography-font-size); font-style: var(--body_typography-font-style,normal); font-weight: var(--body_typography-font-weight); letter-spacing: var(--body_typography-letter-spacing);\">Hai pe <\/span><a href=\"https:\/\/123credit.ro\/\" style=\"background-color: rgba(255, 255, 255, 0); font-family: var(--body_typography-font-family); font-size: var(--body_typography-font-size); font-style: var(--body_typography-font-style,normal); font-weight: var(--body_typography-font-weight); letter-spacing: var(--body_typography-letter-spacing);\"><span style=\"color: var(--awb-color4);\">123credit.ro<\/span><\/a><span style=\"background-color: rgba(255, 255, 255, 0); color: var(--body_typography-color); font-family: var(--body_typography-font-family); font-size: var(--body_typography-font-size); font-style: var(--body_typography-font-style,normal); font-weight: var(--body_typography-font-weight); letter-spacing: var(--body_typography-letter-spacing);\"><span style=\"color: var(--awb-color4);\"> <\/span>\u0219i descoper\u0103 exact <\/span><a href=\"https:\/\/123credit.ro\/calculator-imprumut\" style=\"background-color: rgba(255, 255, 255, 0); font-family: var(--body_typography-font-family); font-size: var(--body_typography-font-size); font-style: var(--body_typography-font-style,normal); font-weight: var(--body_typography-font-weight); letter-spacing: var(--body_typography-letter-spacing);\"><span style=\"text-decoration-line: underline; color: var(--awb-color4);\">c\u00e2t de mult po\u021bi \u00eemprumuta.<\/span><\/a><\/p>\n<\/p>\n<h2 data-fusion-font=\"true\" style=\"font-size: 26px;\">\u00centreb\u0103ri frecvente (FAQ)<\/h2>\n<h3 data-fusion-font=\"true\" style=\"font-size: 19px;\">1. Pot folosi un credit ipotecar pentru a cump\u0103ra o proprietate comercial\u0103?<\/h3>\n<p>Nu, creditele ipotecare sunt destinate \u00een principal achizi\u021bion\u0103rii de propriet\u0103\u021bi reziden\u021biale. B\u0103ncile nu acord\u0103 credite ipotecare pentru imobile cu destina\u021bie comercial\u0103.<\/p>\n<h3 data-fusion-font=\"true\" style=\"font-size: 19px;\">2. Sunt acceptate propriet\u0103\u021bile cu risc seismic pentru credite ipotecare?<\/h3>\n<p>Nu, majoritatea b\u0103ncilor nu ofer\u0103 credite ipotecare pentru imobile care se afl\u0103 \u00eentr-o categorie de risc seismic.<\/p>\n<h3 data-fusion-font=\"true\" style=\"font-size: 19px;\">3. Ce taxe notariale trebuie pl\u0103tite pentru un credit ipotecar?<\/h3>\n<p>Taxele notariale variaz\u0103 \u00een func\u021bie de valoarea contractului de v\u00e2nzare \u0219i a contractului de ipotec\u0103, dar acestea pot ajunge la aproximativ 8.000 lei pentru o locuin\u021b\u0103 de 100.000 de euro.<\/p>\n<\/div><\/div><\/div><\/div><\/div>\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":705,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-704","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 - 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