{"id":809,"date":"2024-01-30T11:55:32","date_gmt":"2024-01-30T09:55:32","guid":{"rendered":"https:\/\/123credit.ro\/blog\/?p=809"},"modified":"2024-08-27T12:10:26","modified_gmt":"2024-08-27T09:10:26","slug":"creditele-ipotecare-problemele-clientilor-top-5","status":"publish","type":"post","link":"https:\/\/123credit.ro\/blog\/creditele-ipotecare-problemele-clientilor-top-5\/","title":{"rendered":"Creditele ipotecare \u2013 problemele clien\u021bilor – Top 5"},"content":{"rendered":"Timpul estimat pentru citire: <\/span> 6<\/span> minute<\/span><\/span>

\"\"Articol scris de c\u0103tre Catalin Vladut <\/a><\/span>, specialist 123Credit<\/a><\/span>.<\/em><\/p>\n

Acest articol este scris din pura \u0219i umila mea experien\u021b\u0103 de broker de credite ipotecare. M-am g\u00e2ndit ca din experien\u021bele total nepl\u0103cute prin care am trecut at\u00e2t eu, c\u00e2t \u0219i clien\u021bii, s\u0103 scriu un articol care s\u0103-i ajute pe to\u021bi cei care vor s\u0103 fac\u0103 pa\u0219i spre un credit ipotecar.<\/p>\n

Dac\u0103 ar fi fost citite la momentul potrivit, cred c\u0103 aceste informa\u021bii ar fi putut ajuta mul\u021bi clien\u021bi s\u0103 nu piard\u0103 mii de euro sau pur \u0219i simplu s\u0103 evite consumul inutil de energie \u0219i timp.<\/p>\n

A\u0219a c\u0103, cel mai bine e s\u0103 \u00eenv\u0103\u021b\u0103m din p\u0103\u021baniile altora sau pe banii altora, ca s\u0103 fiu mai direct.<\/p>\n

 <\/p>\n

Creditele ipotecare \u2013 problemele clientilor. Top 5<\/strong><\/h3>\n

 <\/p>\n

5. Card de credit <\/strong>????<\/p>\n

\u0218tii c\u00e2nd \u021bi se spune \u00een magazin c\u0103 po\u021bi s\u0103 cumperi televizorul sau frigiderul \u00een rate?<\/p>\n

Ce nu \u0219tie majoritatea este c\u0103 dac\u0103-\u021bi achi\u021bi toate ratele nu \u00eenseamn\u0103 c\u0103 ai \u0219i \u00eenchis datoria. \u0218tiu c\u0103 sun\u0103 ciudat, a\u0219a c\u0103 o s\u0103-\u021bi explic. Practic, tu c\u00e2nd cumperi un produs \u00een magazin, un laptop, s\u0103 zicem, \u021bi se va face un card de credit cu o limit\u0103 maxim\u0103 care s\u0103 acopere pre\u021bul produsului. Dac\u0103 laptopul cost\u0103 4000 lei, at\u00e2ta \u021bi se va pune \u0219i limita. Foarte mul\u021bi care acceseaz\u0103 o astfel de facilitate de credit nici m\u0103car nu \u0219tiu c\u0103 exist\u0103 \u0219i un card \u00een prealabil.<\/p>\n

Ei bine, cum ajung oamenii s\u0103 aib\u0103 \u00eent\u00e2rzieri \u00een astfel de situa\u021bii?<\/p>\n

Clien\u021bii au impresia ca dup\u0103 ce au achitat toate ratele pentru laptop, cardul de credit se \u00eenchide automat. Nu e a\u0219a. Achit\u00e2nd ratele, cardul de credit \u00eencepe s\u0103 se umple la loc pentru a putea fi refolosit. Deci r\u0103m\u00e2ne deschis. Partea proast\u0103 este c\u0103 acest card are \u0219i el ni\u0219te costuri care se pl\u0103tesc anual (comisioanele de administrare). Ne\u0219tiind de ele clien\u021bii ajung s\u0103 \u00eenregistreze restan\u021be, la care se adaug\u0103 penalitati de intarziere \u0219i ulterior se raporteaz\u0103 ca \u00eent\u00e2rziere \u00een Biroul de Credit. Tare, nu?<\/p>\n

Dac\u0103 a\u021bi avut la un moment dat carduri de cump\u0103r\u0103turi \u0219i vre\u021bi s\u0103 evita\u021bi surprizele v\u0103 recomand s\u0103 face\u021bi o interogare \u00een Biroul de Credit, este gratuit\u0103<\/strong>. (www.birouldecredit.ro<\/a>)<\/p>\n

 <\/p>\n

4. Cas\u0103 la \u021bar\u0103 <\/strong>????<\/p>\n

\u00cenainte de a v\u0103 face planuri, trebuie s\u0103 v\u0103 spun care e experien\u021ba mea cu aceste case:<\/p>\n

????\u0218anse foarte mici ca v\u00e2nz\u0103torul s\u0103 aib\u0103 toate actele imobilului;<\/p>\n

????Din cauza lipsei tranzac\u021bion\u0103rii din zona respectiv\u0103, imobilul e foarte greu de evaluat;<\/p>\n

????Ne\u0219tiind exact ce valoare ar trebui s\u0103 aib\u0103 casa, b\u0103ncile le solicit\u0103 clien\u021bilor un avans mai mare (20-35%);<\/p>\n

????O parte bun\u0103 din casele de la \u021bar\u0103 sunt construite din chirpici<\/p>\n

Atunci c\u00e2nd ai \u00een vizor o astfel de cas\u0103, e recomandat s\u0103 dispui de un avans mai mare de 15% \u0219i s\u0103 te asiguri c\u0103 imobilul este din c\u0103r\u0103mid\u0103\/zid\u0103rie \u0219i beneficiaz\u0103 de tot confortul adus de civiliza\u021bie (baie, buc\u0103t\u0103rie separate de camera de zi sau dormitoare \u0219i beneficiaz\u0103 de utilit\u0103\u021bi (ap\u0103 – chiar dac\u0103 este de la pu\u021b, electricitate, surse de c\u0103ldur\u0103 etc).<\/p>\n

Dac\u0103 imobilul este din chirpici \u00eentr-un procent mai mic de 50% din construc\u021bie (se vor verifica actele – contract de v\u00e2nzare cump\u0103rare\/ extras de carte funciar\u0103\/ certificate fiscal de la prim\u0103rie) exist\u0103 b\u0103nci care sunt dispuse s\u0103 ia \u00een garan\u021bie astfel de imobile, \u00eens\u0103 doar cu derog\u0103ri.<\/p>\n

 <\/p>\n

3. M\u0103rire salariu >20% <\/strong>????<\/p>\n

Conversa\u021bia \u00eencepe cam a\u0219a: mi-am m\u0103rit salariul ca s\u0103 pot\u2026<\/em><\/p>\n

Exist\u0103 un num\u0103r \u00eensemnat de clien\u021bi care au major\u0103ri salariale f\u0103r\u0103 vreo justificare \u00een prealabil. Mul\u021bi merg \u00een banc\u0103, \u00ee\u0219i fac un calcul (f\u0103r\u0103 vreo aprobarea financiar\u0103 sau alte verific\u0103ri) \u0219i sar cu avansul pentru cas\u0103.<\/p>\n

Distrac\u021bia apare c\u00e2nd afl\u0103 c\u0103 banca nu va lua \u00een considerare mai mult de 20% din majorarea salariului.<\/p>\n

Da, da, e pe bune.<\/strong>\u00cens\u0103 orice problem\u0103 are \u0219i solu\u021bii. Dar p\u00e2n\u0103 acolo, hai s\u0103 vedem cum prevenim o astfel de situa\u021bie. Practic, tot ce vrea banc\u0103 este s\u0103 se asigure c\u0103 nu \u021bi-ai m\u0103rit salariul doar pentru a lua credit. \u00cen trecut oamenii f\u0103ceau asta \u0219i ajungeau \u00een imposibilitate de plat\u0103. A\u0219a c\u0103 e musai s\u0103 avem o justificare pentru cre\u0219terea de salariu. Pe scurt, atunci c\u00e2nd \u021bi se face actul adi\u021bional pentru modificarea salariului, ar trebui s\u0103-\u021bi schimbe \u0219i func\u021bia. \u00cen felul \u0103sta, trec\u00e2nd pe o alt\u0103 pozi\u021bie \u00een firm\u0103, putem sus\u021bine c\u0103 majorarea e una just\u0103.<\/p>\n

Bun, s\u0103 zicem c\u0103 ai deja avansul dat \u0219i te-ai lovit de aceast\u0103 problem\u0103. Cred c\u0103 un mail de sus\u021binere bine scris \u0219i o derogare ar rezolva problema. \u00cens\u0103 va trebui s\u0103 alegi banca potrivit\u0103 care s\u0103 accepte asta.<\/p>\n

 <\/p>\n

2. Utilit\u0103\u021bi cas\u0103 <\/strong>????<\/p>\n

\u021ai se zguduie lumea c\u00e2nd e\u0219ti aproape s\u0103 iei creditul \u0219i evaluatorul constat\u0103 c\u0103 nu e racordat gazul. B\u0103ncile vor ca \u00een momentul \u00een care aprob\u0103 creditul s\u0103 aib\u0103 \u00een garan\u021bie o cas\u0103 locuibil\u0103. Adic\u0103 s\u0103 te po\u021bi muta \u00een ea. Dac\u0103 acea cas\u0103 nu are \u00eenc\u0103lzire, curent sau ap\u0103, nu po\u021bi locui. Corect?<\/p>\n

\u0218tiu c\u0103 majoritatea caselor noi au probleme cu gazul, \u00een sensul c\u0103 trebuie s\u0103 a\u0219tep\u021bi c\u00e2teva luni p\u00e2n\u0103 va fi func\u021bional. Exist\u0103, totu\u0219i, c\u00e2teva solu\u021bii la aceast\u0103 problem\u0103 pe care le voi trata punctual. S\u0103 zicem c\u0103 e\u0219ti aproape s\u0103 iei creditul. Evaluatorul tocmai a f\u0103cut inspec\u021bia \u0219i se constat\u0103 c\u0103 gazul nu este bran\u0219at, ci doar tras la limita propriet\u0103\u021bii, ce faci? Iat\u0103 solu\u021biile:<\/strong><\/p>\n

????Schimbi banca.<\/strong> Exact. Exist\u0103 b\u0103nci care accept\u0103 acordarea creditului dac\u0103 gazul este tras la propriet\u0103\u021bii, chiar dac\u0103 nu este bran\u0219at;<\/p>\n

????Derogare.<\/strong> Practic, ofi\u021berul de credit sau brokerul \u00ee\u021bi va face un mail de sus\u021binere prin care negociaz\u0103 cu banca. Dac\u0103 iese bine, \u021bi se va trece o clauz\u0103 contractual\u0103 ca \u00een termen de X luni s\u0103 ai gazul tras;<\/p>\n

????Pui o central\u0103 pe curent provizorie.<\/strong> B\u0103ncile vor s\u0103 vad\u0103 doar c\u0103 ai o surs\u0103 de \u00eenc\u0103lzire.<\/p>\n

 <\/p>\n

1. Raportul de evaluare <\/strong>????<\/p>\n

De regul\u0103, din povestea asta tot ce re\u021bin clien\u021bii este c\u0103 trebuie s\u0103 mai aduc\u0103 bani de acas\u0103. Uneori 5000 EUR, alteori de 10.000. Depinde cum \u021bi-e \u201cnorocul\u201d, \u00een oricare dintre situa\u021bii te ia cu panic\u0103, mai ales c\u00e2nd \u021bi-ai dat to\u021bi banii la avans.<\/p>\n

Ok, ce ai de f\u0103cut?<\/p>\n

Prima data trebuie s\u0103 \u00een\u021belegi de ce-i nevoie s\u0103 vii cu bani de acas\u0103.<\/p>\n

Banca spune \u00een felul urm\u0103tor:<\/strong> finan\u021bez maximum 85%<\/em> (dac\u0103 nu ai imobil \u00een proprietate) sau 75% <\/em>(dac\u0103 ai un imobil \u00een proprietate) raport\u00e2ndu-m\u0103 la minimul dintre pre\u021bul de v\u00e2nzare cump\u0103rare \u0219i evaluare<\/em>.<\/p>\n

S\u0103-\u021bi dau un exemplu: s\u0103 zicem c\u0103 nu avem un imobil \u00een proprietate \u0219i avem fix 15% avans, adic\u0103 15.000 EUR \u0219i g\u0103sim o cas\u0103 care costa 100.000 EUR. \u00cen cazul \u00een care evaluatorul sus\u021bine c\u0103 valoarea casei este 90.000 EUR, atunci banca ne va finan\u021ba cu 85% din 90.000 EUR, adic\u0103 76.500 EUR. Diferen\u021ba p\u00e2n\u0103 la 100.000 EUR va trebui s\u0103 fie sus\u021binut\u0103 din surse proprii. Practic, ar mai trebui s\u0103 facem rost cumva de 8.500 EUR.<\/p>\n

\u00cen situa\u021bia \u00een care evaluatorul ar sus\u021bine c\u0103 pre\u021bul locuin\u021bei este de 110.000 EUR, atunci banca se va raporta la pre\u021bul de v\u00e2nzare-cump\u0103rare (100.000 EUR) pentru c\u0103 este cel mai mic.<\/p>\n

E foarte important \u00een povestea asta s\u0103 \u0219tii c\u0103 evaluatorul nu evalueaz\u0103 niciodat\u0103 mobilierul.<\/p>\n

Dac\u0103 e\u0219ti cu avansul la limit\u0103 discut\u0103 cu evaluatorul \u00eenainte s\u0103 dai un avans pentru e evita astfel de situa\u021bii. Mai re\u021bine c\u0103 exist\u0103 b\u0103nci unde se \u0219tie evaluatorul de la \u00eenceput, dar exist\u0103 \u0219i b\u0103nci unde evaluatorul este repartizat direct de sistemul b\u0103ncii. \u00cen cazul \u00een care po\u021bi lua leg\u0103tura cu evaluatorul, f\u0103-o! Dac\u0103 nu, adreseaz\u0103-te b\u0103ncii \u0219i pune-i problema pe mas\u0103 \u00eenainte s\u0103 se \u00eent\u00e2mple.<\/p>\n

 <\/p>\n

???? Indiferent c\u0103 te afli sau nu \u00eentr-una dintre situa\u021biile detaliate mai sus, atunci c\u00e2nd dore\u0219ti s\u0103 faci o investi\u021bie imobiliar\u0103, folosind un credit, este bine s\u0103 apelezi la serviciile unui broker de credite autorizat \u0219i experimentat. El este \u00een m\u0103sur\u0103 s\u0103 evalueze orice risc poten\u021bial, s\u0103 \u00ee\u021bi r\u0103spund\u0103 la toate \u00eentreb\u0103rile legate de credit \u0219i s\u0103 te ajute s\u0103 alegi oferta cea mai potrivit\u0103 pentru tine. \u00cen plus, el \u00ee\u021bi va fi al\u0103turi de la un cap\u0103t la altul al procesului de creditare, mediind rela\u021bia cu banca \u0219i ghid\u00e2ndu-te prin h\u0103\u021bi\u0219ul procesului de analiz\u0103. \u0218i foarte important, serviciile de brokeraj de credite, prin lege, sunt gratuite<\/strong> pentru tine.<\/p>\n

 <\/p>\n","protected":false},"excerpt":{"rendered":"

Timpul estimat pentru citire: <\/span> 6<\/span> minute<\/span><\/span>Articol scris de c\u0103tre Catalin Vladut , specialist 123Credit. Acest articol este scris din pura \u0219i umila mea experien\u021b\u0103 de broker de credite ipotecare. M-am g\u00e2ndit ca din experien\u021bele total nepl\u0103cute prin care am trecut at\u00e2t eu, c\u00e2t \u0219i clien\u021bii, s\u0103 scriu un articol care s\u0103-i ajute pe to\u021bi cei care vor s\u0103 fac\u0103 pa\u0219i spre un credit ipotecar. Dac\u0103 […]<\/p>\n","protected":false},"author":9,"featured_media":810,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-809","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-cum-alegi-credit-ipotecar"],"yoast_head":"\nCreditele ipotecare \u2013 problemele clien\u021bilor - Top 5 - Blogul 123Credit<\/title>\n<meta name=\"description\" content=\"Acest articol este scris din pura \u0219i umila mea experien\u021b\u0103 de broker de credite ipotecare. 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