{"id":842,"date":"2024-03-19T12:09:52","date_gmt":"2024-03-19T10:09:52","guid":{"rendered":"https:\/\/123credit.ro\/blog\/?p=842"},"modified":"2024-08-07T11:55:56","modified_gmt":"2024-08-07T08:55:56","slug":"refinantarea-creditului-noua-casa","status":"publish","type":"post","link":"https:\/\/123credit.ro\/blog\/refinantarea-creditului-noua-casa\/","title":{"rendered":"Refinan\u021barea creditului Noua Cas\u0103"},"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><h4><img decoding=\"async\" class=\"wp-image-849 alignleft\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/03\/Creditele-ipotecare-\u2013-invataturi-din-banking-Top-5-2.png\" alt=\"\" width=\"303\" height=\"254\" srcset=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/03\/Creditele-ipotecare-\u2013-invataturi-din-banking-Top-5-2-200x168.png 200w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/03\/Creditele-ipotecare-\u2013-invataturi-din-banking-Top-5-2-300x251.png 300w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/03\/Creditele-ipotecare-\u2013-invataturi-din-banking-Top-5-2-400x335.png 400w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/03\/Creditele-ipotecare-\u2013-invataturi-din-banking-Top-5-2-600x503.png 600w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/03\/Creditele-ipotecare-\u2013-invataturi-din-banking-Top-5-2-768x644.png 768w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/03\/Creditele-ipotecare-\u2013-invataturi-din-banking-Top-5-2-800x671.png 800w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/03\/Creditele-ipotecare-\u2013-invataturi-din-banking-Top-5-2.png 940w\" sizes=\"(max-width: 303px) 100vw, 303px\" \/><\/h4>\n<h4><\/h4>\n<h3><b>Ce este programul <a href=\"https:\/\/123credit.ro\/credit-casa\"><span style=\"text-decoration: underline;\">Noua Cas\u0103<\/span><\/a>?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Un program guvernamental pentru persoane fizice, \u00een special tineri, ce are ca rol facilitarea achizi\u021bion\u0103rii primei locuin\u021be.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Acest tip de credit a venit \u0219i cu aspecte pozitive, cum ar fi avansul de doar 5%, dar \u0219i cu o dob\u00e2nd\u0103 variabil\u0103, care a f\u0103cut cre\u0219terile ROBOR \u0219i IRCC din ultimii ani s\u0103 se resimt\u0103 \u00een rate.<\/span><\/p>\n<p><b>Vestea bun\u0103<\/b><span style=\"font-weight: 400;\"> este c\u0103 de\u0219i \u00eenainte refinan\u021barea creditului Noua Cas\u0103 nu era posibil\u0103, \u00eencep\u00e2nd din anul 2020, datorit\u0103 modific\u0103rilor legislative, acest lucru este acum permis.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3><b>Care sunt beneficiile unei <a href=\"https:\/\/123credit.ro\/refinantare-credit-ipotecar\"><span style=\"text-decoration: underline;\">refinan\u021b\u0103ri de la Noua Cas\u0103 la un credit ipotecar<\/span><\/a>?<\/b><\/h3>\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>Trecerea la o dob\u00e2nd\u0103 fix\u0103 pentru urm\u0103torii 3 sau 5 ani, astfel sc\u0103p\u00e2nd de grija IRCC \u0219i ROBOR. <span class=\"fe5nidar khvhiq1o r5qsrrlp i5tg98hk f9ovudaz przvwfww gx1rr48f gfz4du6o r7fjleex nz2484kf svot0ezm dcnh1tix sxl192xd t3g6t33p\"><span class=\"mpj7bzys xzlurrtv\">????<\/span><\/span><\/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\">???? <\/span><\/span>Po\u021bi alege s\u0103 scazi rata sau perioada, \u00een func\u021bie de nevoile \u0219i preferin\u021bele tale. <span class=\"fe5nidar khvhiq1o r5qsrrlp i5tg98hk f9ovudaz przvwfww gx1rr48f gfz4du6o r7fjleex nz2484kf svot0ezm dcnh1tix sxl192xd t3g6t33p\"><span class=\"mpj7bzys xzlurrtv\">????<\/span><\/span><\/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\">???? <\/span><\/span>Odat\u0103 \u00eenchis creditul Prima Cas\u0103, vei avea acces la suma de bani constituit\u0103 \u00een depozitul colateral de la semnarea contractului <span class=\"fe5nidar khvhiq1o r5qsrrlp i5tg98hk f9ovudaz przvwfww gx1rr48f gfz4du6o r7fjleex nz2484kf svot0ezm dcnh1tix sxl192xd t3g6t33p\"><span class=\"mpj7bzys xzlurrtv\">????<\/span><\/span><\/span><\/p>\n<p>&nbsp;<\/p>\n<h3><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<\/span><\/span>Uite mai jos un <strong>exemplu de refinan\u021bare<\/strong> de la Noua Cas\u0103 la credit ipotecar:<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Clientul 123 din Sibiu a accesat \u00een martie 2023 un credit Noua Cas\u0103 de la Raiffeisen Bank, cu o dob\u00e2nd\u0103 variabil\u0103 de 7.97%, pentru care rata ini\u021bial\u0103 era de <\/span><b>1300 lei<\/b><span style=\"font-weight: 400;\">. Odat\u0103 cu cre\u0219terea IRCC, \u00een martie 2024 rata ajunsese cu aproape 70% mai mare, respectiv <\/span><b>2150 lei<\/b><span style=\"font-weight: 400;\">.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Acesta a decis s\u0103 refinan\u021beze creditul Noua Cas\u0103 la un credit ipotecar, suma fiind de 271.000 lei. De la momentul ob\u021binerii adresei de refinan\u021bare, \u00eentregul proces a durat maxim 3 s\u0103pt\u0103m\u00e2ni.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Clientul a ales s\u0103 colaboreze cu 123Credit \u0219i s\u0103 refinan\u021beze la UniCredit Bank, cu o dob\u00e2nd\u0103 fix\u0103 pentru primiii 5 ani de 5,9%. Deoarece rata nu punea presiune pe bugetul lui de cheltuieli, a ales s\u0103 p\u0103streze o rat\u0103 asem\u0103n\u0103toare ca \u0219i costuri (2.112 lei), dar cu o sc\u0103dere a perioadei de 6 ani.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3><b>De ce beneficii s-a bucurat clientul 123?<\/b><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">A trecut de la dob\u00e2nd\u0103 variabil\u0103 la dob\u00e2nd\u0103 fix\u0103 pentru urm\u0103torii 5 ani<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">A sc\u0103zut perioada creditului cu 6 ani<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Are posibilitatea s\u0103 fac\u0103 ramburs\u0103ri anticipate din aplica\u021bie\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">I-a fost restituit depozitul colateral<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Statul nu mai este implicat \u0219i astfel poate vinde sau \u00eenchiria locuin\u021ba oric\u00e2nd dore\u0219te<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">A primit un voucher de amortizare a costurilor de 2000 lei <\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h3><b>Care sunt pa\u0219ii pentru refinan\u021barea creditului Noua Cas\u0103?<\/b><\/h3>\n<ol>\n<li><span style=\"font-weight: 400;\">Intri pe 123credit.ro, compari oferte de la toate b\u0103ncile \u0219i \u00ee\u021bi alegi o ofert\u0103 avantajoas\u0103 pentru tine<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Aplici online, dup\u0103 care intri \u00een leg\u0103tur\u0103 cu un specialist \u00een creditare 123credit, complet <\/span><b>gratuit<\/b><span style=\"font-weight: 400;\">.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Depui cerere la Ministerul Finan\u021belor Publice pentru acord privind refinan\u021barea.<\/span><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Cererea se poate depune pe <\/span><a href=\"https:\/\/mfinante.gov.ro\/petitii\"><span style=\"font-weight: 400;\">https:\/\/mfinante.gov.ro\/petitii<\/span><\/a><span style=\"font-weight: 400;\"> unde va fi necesar s\u0103 \u00eencarci copia contractului de garantare \u0219i copie CI. <\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">Acest acord are valabilitate 60 de zile, iar \u00een cazul \u00een care nu refinan\u021bezi \u00een aceast\u0103 perioad\u0103, este necesar s\u0103 ceri iar acordul.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00a0 \u00a0 \u00a0 4. \u00cen momentul \u00een care ai acordul de la Ministerul Finan\u021belor Publice, mergi la banca unde ai creditul Noua Cas\u0103 \u0219i faci cerere pentru acordul Refinan\u021b\u0103rii.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00a0 \u00a0 \u00a0 5. De aici, odat\u0103 ce ai cele dou\u0103 acorduri, specialistul 123Credit poate s\u0103 preia dosarul \u0219i s\u0103 se ocupe de tot ce este necesar \u00een continuare.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00a0 \u00a0 \u00a0 6. Odat\u0103 ce ai accesat refinan\u021barea, banca nou\u0103 face plata c\u0103tre banca veche.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><b>Important! <\/b><span style=\"font-weight: 400;\">Dup\u0103 realizarea acestei pl\u0103\u021bi trebuie s\u0103 solici\u021bi vechii b\u0103nci radierea ipotecii.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3><b>C\u00e2t te cost\u0103 refinan\u021barea?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Costul refinan\u021b\u0103rii variaz\u0103 \u00een func\u021bie de valoarea creditului, \u00eens\u0103 ai mai jos un <strong>exemplu<\/strong>:<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Pentru un credit de 60.000 euro, costul refinan\u021b\u0103rii va fi de aproximativ 4000 lei. \u00cen acest cost intr\u0103:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Taxe notariale<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Taxa de evaluare a imobilului<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Comision de analiz\u0103 &#8211; multe b\u0103nci au comision de analiz\u0103 0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u00censcrierea gajului pe cont<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Taxa ordin de plata conditionat<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Cost de radiere a ipotecilor vechi<\/span><\/li>\n<\/ul>\n<p><b>Vestea bun\u0103 ?!<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Ca \u0219i \u00een cazul exemplului de mai sus, exist\u0103 b\u0103nci care ofer\u0103 vouchere pentru refinan\u021bare, cu o valoare de aproximativ 2000 de lei, pentru a face mai u\u0219oar\u0103 amortizarea costurilor.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3><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<\/span><\/span><\/span>Dac\u0103 e\u0219ti interesat de o refinan\u021bare, intr\u0103 pe <a href=\"https:\/\/123credit.ro\/\"><span style=\"text-decoration: underline;\">123credit.ro<\/span><\/a> \u0219i descoper\u0103 \u00een doar c\u00e2teva minute care este oferta potrivit\u0103 pentru tine.<\/h3>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/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>Ce este programul Noua Cas\u0103? Un program guvernamental pentru persoane fizice, \u00een special tineri, ce are ca rol facilitarea achizi\u021bion\u0103rii primei locuin\u021be. Acest tip de credit a venit \u0219i cu aspecte pozitive, cum ar fi avansul de doar 5%, dar \u0219i cu o dob\u00e2nd\u0103 variabil\u0103, care a f\u0103cut cre\u0219terile ROBOR \u0219i IRCC din ultimii ani s\u0103 se resimt\u0103 \u00een rate.  [&#8230;]<\/p>\n","protected":false},"author":9,"featured_media":849,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-842","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>Refinan\u021barea creditului Noua Cas\u0103 - Blogul 123Credit<\/title>\n<meta name=\"description\" content=\"Ce este programul Noua Cas\u0103?Un program guvernamental pentru persoane fizice, \u00een special tineri, ce are ca rol facilitarea achizi\u021bion\u0103rii\" \/>\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\/refinantarea-creditului-noua-casa\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Refinan\u021barea creditului Noua Cas\u0103 - Blogul 123Credit\" \/>\n<meta property=\"og:description\" content=\"Ce este programul Noua Cas\u0103?Un program guvernamental pentru persoane fizice, \u00een special tineri, ce are ca rol facilitarea achizi\u021bion\u0103rii\" \/>\n<meta property=\"og:url\" content=\"https:\/\/123credit.ro\/blog\/refinantarea-creditului-noua-casa\/\" \/>\n<meta property=\"og:site_name\" content=\"Blogul 123Credit\" \/>\n<meta property=\"article:published_time\" content=\"2024-03-19T10:09:52+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-08-07T08:55:56+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/03\/Creditele-ipotecare-\u2013-invataturi-din-banking-Top-5-2.png\" \/>\n\t<meta property=\"og:image:width\" content=\"940\" \/>\n\t<meta property=\"og:image:height\" content=\"788\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Maria Marinescu\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Scris de\" \/>\n\t<meta name=\"twitter:data1\" content=\"Maria Marinescu\" \/>\n\t<meta name=\"twitter:label2\" content=\"Timp estimat pentru citire\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/refinantarea-creditului-noua-casa\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/refinantarea-creditului-noua-casa\\\/\"},\"author\":{\"name\":\"Maria Marinescu\",\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/#\\\/schema\\\/person\\\/bd477f7971741dc1277289fe9962f25f\"},\"headline\":\"Refinan\u021barea creditului Noua Cas\u0103\",\"datePublished\":\"2024-03-19T10:09:52+00:00\",\"dateModified\":\"2024-08-07T08:55:56+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/refinantarea-creditului-noua-casa\\\/\"},\"wordCount\":714,\"commentCount\":0,\"image\":{\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/refinantarea-creditului-noua-casa\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/wp-content\\\/uploads\\\/2024\\\/03\\\/Creditele-ipotecare-\u2013-invataturi-din-banking-Top-5-2.png\",\"articleSection\":[\"Blogul 123Credit te ajuta sa alegi cel mai bun credit ipotecar\"],\"inLanguage\":\"ro-RO\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/123credit.ro\\\/blog\\\/refinantarea-creditului-noua-casa\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/refinantarea-creditului-noua-casa\\\/\",\"url\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/refinantarea-creditului-noua-casa\\\/\",\"name\":\"Refinan\u021barea creditului Noua Cas\u0103 - Blogul 123Credit\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/refinantarea-creditului-noua-casa\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/refinantarea-creditului-noua-casa\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/wp-content\\\/uploads\\\/2024\\\/03\\\/Creditele-ipotecare-\u2013-invataturi-din-banking-Top-5-2.png\",\"datePublished\":\"2024-03-19T10:09:52+00:00\",\"dateModified\":\"2024-08-07T08:55:56+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/#\\\/schema\\\/person\\\/bd477f7971741dc1277289fe9962f25f\"},\"description\":\"Ce este programul Noua Cas\u0103?Un program guvernamental pentru persoane fizice, \u00een special tineri, ce are ca rol facilitarea achizi\u021bion\u0103rii\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/refinantarea-creditului-noua-casa\\\/#breadcrumb\"},\"inLanguage\":\"ro-RO\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/123credit.ro\\\/blog\\\/refinantarea-creditului-noua-casa\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"ro-RO\",\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/refinantarea-creditului-noua-casa\\\/#primaryimage\",\"url\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/wp-content\\\/uploads\\\/2024\\\/03\\\/Creditele-ipotecare-\u2013-invataturi-din-banking-Top-5-2.png\",\"contentUrl\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/wp-content\\\/uploads\\\/2024\\\/03\\\/Creditele-ipotecare-\u2013-invataturi-din-banking-Top-5-2.png\",\"width\":940,\"height\":788,\"caption\":\"credit pe intelesul tuturor despre noua casa si credit ipotecar\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/refinantarea-creditului-noua-casa\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Refinan\u021barea creditului Noua Cas\u0103\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/#website\",\"url\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/\",\"name\":\"Blogul 123Credit\",\"description\":\"Blogul 123Credit iti ofera toate informatiile de care ai nevoie cand aplici pentru un credit ipotecar\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"ro-RO\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/#\\\/schema\\\/person\\\/bd477f7971741dc1277289fe9962f25f\",\"name\":\"Maria Marinescu\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"ro-RO\",\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/wp-content\\\/uploads\\\/2024\\\/07\\\/maria-marinescu-96x96.jpg\",\"url\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/wp-content\\\/uploads\\\/2024\\\/07\\\/maria-marinescu-96x96.jpg\",\"contentUrl\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/wp-content\\\/uploads\\\/2024\\\/07\\\/maria-marinescu-96x96.jpg\",\"caption\":\"Maria Marinescu\"},\"description\":\"Specialist in credite cu o experien\u021b\u0103 de peste 5 ani \u00een domeniul financiar-bancar si sute de dosare de credite intermediate. Ofer\u0103 servicii de consultan\u021b\u0103 clien\u021bilor care sunt \u00een c\u0103utarea unei finan\u021b\u0103ri, este al\u0103turi de clien\u021bi \u00een fiecare etap\u0103 a acestui proces, oferindu-le suportul \u0219i expertiza necesar\u0103 pentru a lua decizii \u00een\u021belepte \u0219i informate.\",\"sameAs\":[\"https:\\\/\\\/123credit.ro\\\/consultant?id=200&amp;nume=maria\"],\"url\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/author\\\/maria-marinescu\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Refinan\u021barea creditului Noua Cas\u0103 - Blogul 123Credit","description":"Ce este programul Noua Cas\u0103?Un program guvernamental pentru persoane fizice, \u00een special tineri, ce are ca rol facilitarea achizi\u021bion\u0103rii","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/123credit.ro\/blog\/refinantarea-creditului-noua-casa\/","og_locale":"ro_RO","og_type":"article","og_title":"Refinan\u021barea creditului Noua Cas\u0103 - Blogul 123Credit","og_description":"Ce este programul Noua Cas\u0103?Un program guvernamental pentru persoane fizice, \u00een special tineri, ce are ca rol facilitarea achizi\u021bion\u0103rii","og_url":"https:\/\/123credit.ro\/blog\/refinantarea-creditului-noua-casa\/","og_site_name":"Blogul 123Credit","article_published_time":"2024-03-19T10:09:52+00:00","article_modified_time":"2024-08-07T08:55:56+00:00","og_image":[{"width":940,"height":788,"url":"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/03\/Creditele-ipotecare-\u2013-invataturi-din-banking-Top-5-2.png","type":"image\/png"}],"author":"Maria Marinescu","twitter_card":"summary_large_image","twitter_misc":{"Scris de":"Maria Marinescu","Timp estimat pentru citire":"5 minute"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/123credit.ro\/blog\/refinantarea-creditului-noua-casa\/#article","isPartOf":{"@id":"https:\/\/123credit.ro\/blog\/refinantarea-creditului-noua-casa\/"},"author":{"name":"Maria Marinescu","@id":"https:\/\/123credit.ro\/blog\/#\/schema\/person\/bd477f7971741dc1277289fe9962f25f"},"headline":"Refinan\u021barea creditului Noua Cas\u0103","datePublished":"2024-03-19T10:09:52+00:00","dateModified":"2024-08-07T08:55:56+00:00","mainEntityOfPage":{"@id":"https:\/\/123credit.ro\/blog\/refinantarea-creditului-noua-casa\/"},"wordCount":714,"commentCount":0,"image":{"@id":"https:\/\/123credit.ro\/blog\/refinantarea-creditului-noua-casa\/#primaryimage"},"thumbnailUrl":"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/03\/Creditele-ipotecare-\u2013-invataturi-din-banking-Top-5-2.png","articleSection":["Blogul 123Credit te ajuta sa alegi cel mai bun credit ipotecar"],"inLanguage":"ro-RO","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/123credit.ro\/blog\/refinantarea-creditului-noua-casa\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/123credit.ro\/blog\/refinantarea-creditului-noua-casa\/","url":"https:\/\/123credit.ro\/blog\/refinantarea-creditului-noua-casa\/","name":"Refinan\u021barea creditului Noua Cas\u0103 - Blogul 123Credit","isPartOf":{"@id":"https:\/\/123credit.ro\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/123credit.ro\/blog\/refinantarea-creditului-noua-casa\/#primaryimage"},"image":{"@id":"https:\/\/123credit.ro\/blog\/refinantarea-creditului-noua-casa\/#primaryimage"},"thumbnailUrl":"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/03\/Creditele-ipotecare-\u2013-invataturi-din-banking-Top-5-2.png","datePublished":"2024-03-19T10:09:52+00:00","dateModified":"2024-08-07T08:55:56+00:00","author":{"@id":"https:\/\/123credit.ro\/blog\/#\/schema\/person\/bd477f7971741dc1277289fe9962f25f"},"description":"Ce este programul Noua Cas\u0103?Un program guvernamental pentru persoane fizice, \u00een special tineri, ce are ca rol facilitarea achizi\u021bion\u0103rii","breadcrumb":{"@id":"https:\/\/123credit.ro\/blog\/refinantarea-creditului-noua-casa\/#breadcrumb"},"inLanguage":"ro-RO","potentialAction":[{"@type":"ReadAction","target":["https:\/\/123credit.ro\/blog\/refinantarea-creditului-noua-casa\/"]}]},{"@type":"ImageObject","inLanguage":"ro-RO","@id":"https:\/\/123credit.ro\/blog\/refinantarea-creditului-noua-casa\/#primaryimage","url":"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/03\/Creditele-ipotecare-\u2013-invataturi-din-banking-Top-5-2.png","contentUrl":"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/03\/Creditele-ipotecare-\u2013-invataturi-din-banking-Top-5-2.png","width":940,"height":788,"caption":"credit pe intelesul tuturor despre noua casa si credit ipotecar"},{"@type":"BreadcrumbList","@id":"https:\/\/123credit.ro\/blog\/refinantarea-creditului-noua-casa\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/123credit.ro\/blog\/"},{"@type":"ListItem","position":2,"name":"Refinan\u021barea creditului Noua Cas\u0103"}]},{"@type":"WebSite","@id":"https:\/\/123credit.ro\/blog\/#website","url":"https:\/\/123credit.ro\/blog\/","name":"Blogul 123Credit","description":"Blogul 123Credit iti ofera toate informatiile de care ai nevoie cand aplici pentru un credit ipotecar","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/123credit.ro\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"ro-RO"},{"@type":"Person","@id":"https:\/\/123credit.ro\/blog\/#\/schema\/person\/bd477f7971741dc1277289fe9962f25f","name":"Maria Marinescu","image":{"@type":"ImageObject","inLanguage":"ro-RO","@id":"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/maria-marinescu-96x96.jpg","url":"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/maria-marinescu-96x96.jpg","contentUrl":"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/maria-marinescu-96x96.jpg","caption":"Maria Marinescu"},"description":"Specialist in credite cu o experien\u021b\u0103 de peste 5 ani \u00een domeniul financiar-bancar si sute de dosare de credite intermediate. Ofer\u0103 servicii de consultan\u021b\u0103 clien\u021bilor care sunt \u00een c\u0103utarea unei finan\u021b\u0103ri, este al\u0103turi de clien\u021bi \u00een fiecare etap\u0103 a acestui proces, oferindu-le suportul \u0219i expertiza necesar\u0103 pentru a lua decizii \u00een\u021belepte \u0219i informate.","sameAs":["https:\/\/123credit.ro\/consultant?id=200&amp;nume=maria"],"url":"https:\/\/123credit.ro\/blog\/author\/maria-marinescu\/"}]}},"_links":{"self":[{"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/posts\/842","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/users\/9"}],"replies":[{"embeddable":true,"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/comments?post=842"}],"version-history":[{"count":10,"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/posts\/842\/revisions"}],"predecessor-version":[{"id":854,"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/posts\/842\/revisions\/854"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/media\/849"}],"wp:attachment":[{"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/media?parent=842"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/categories?post=842"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/tags?post=842"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}