{"id":51235,"date":"2018-03-14T09:49:37","date_gmt":"2018-03-14T07:49:37","guid":{"rendered":"https:\/\/staging.www.imobiliare.ro\/imoexpert\/?post_type=guides&p=51235"},"modified":"2018-03-19T09:41:21","modified_gmt":"2018-03-19T07:41:21","slug":"etapele-contractarii-unui-credit-la-banca","status":"publish","type":"guides","link":"https:\/\/www.imobiliare.ro\/imoexpert\/etapele-contractarii-unui-credit-la-banca\/","title":{"rendered":"Etapele contract\u0103rii unui credit la banc\u0103"},"content":{"rendered":"

Pentru a-\u021bi putea face o imagine c\u00e2t mai realist\u0103 asupra puterii tale reale de cump\u0103rare, demersurile pentru contractarea unui credit ipotecar sau imobiliar ar trebui s\u0103 fie ini\u021biate chiar \u00eenainte de \u00eenceperea c\u0103ut\u0103rii propriu-zise.<\/h2>\n

Iat\u0103 care sunt principalele etape ale acestui proces:<\/p>\n

1. Scoringul:<\/h2>\n

Este primul \u0219i cel mai simplu pas. De\u0219i exist\u0103 \u0219i instrumente online pentru a-\u021bi calcula scoringul, recomandat este s\u0103 faci o vizit\u0103 la banc\u0103 \u0219i s\u0103 discu\u021bi cu un consultant de credite pentru a vedea ce sum\u0103 \u021bi s-ar acorda, \u00een func\u021bie de veniturile tale. Un astfel de specialist va putea s\u0103-\u021bi ofere o serie de informa\u021bii suplimentare, cum ar fi, spre exemplu, tipurile de venituri acceptate de c\u0103tre banca respectiv\u0103 (altele dec\u00e2t cele salariale) \u0219i ponderea luat\u0103 \u00een calcul pentru acestea.<\/p>\n

2. Dosarul de credit<\/h2>\n

Acest pas poate fi f\u0103cut at\u00e2t \u00eenainte, c\u00e2t \u0219i dup\u0103 g\u0103sirea locuin\u021bei potrivite \u2013 dac\u0103 vrei s\u0103 ai o mai mare siguran\u021b\u0103 \u00een ceea ce prive\u0219te suma pe care va trebui s\u0103 o \u00eemprumu\u021bi. Dosarul va cuprinde actul de identitate al debitorului \u0219i, eventual, pe cel al codebitorului, al\u0103turi de certificatul de c\u0103s\u0103torie, dac\u0103 este cazul. De asemenea, va trebui s\u0103 duci la banc\u0103 o adeverin\u021b\u0103 de salariu \u2013 sau alte documente doveditoare pentru celelalte tipuri de venituri. \u00cen cazul \u00een care nu ai g\u0103sit \u00eenc\u0103 o locuin\u021b\u0103 potrivit\u0103 sau estimezi o prelungire a perioadei necesare pentru \u00eencheierea tranzac\u021biei (cum se poate \u00eent\u00e2mpla \u00een cazul creditelor Prima Cas\u0103), intereseaz\u0103-te de condi\u021biile b\u0103ncii \u00een ceea ce prive\u0219te perioada de valabilitate a creditului \u2013 dac\u0103 aceasta expir\u0103, exist\u0103 totu\u0219i posibilitatea de a depune o nou\u0103 cerere.<\/p>\n

3. Evaluarea imobilului<\/h2>\n

Dup\u0103 g\u0103sirea propriet\u0103\u021bii dorite, la dosarul de credit trebuie anexat un raport de evaluare a acesteia. Evaluatorul \u00eel po\u021bi c\u0103uta \u0219i pe cont propriu, \u00eens\u0103 b\u0103ncile au, \u00een mod normal, o list\u0103 de speciali\u0219ti la care po\u021bi apela. Pentru beneficiarii programului Prima Cas\u0103, important de \u0219tiut este c\u0103, \u00een cazul \u00een care evaluarea propriet\u0103\u021bii se va situa sub pre\u021bul agreat cu v\u00e2nz\u0103torul, banca va \u00eemprumuta 95% din cea mai mic\u0103 valoare, urm\u00e2nd ca diferen\u021ba s\u0103 fie achitat\u0103 din propriul buzunar.<\/p>\n

4. Acte adi\u021bionale<\/h2>\n

Dup\u0103 evaluare, trebuie prezentate la banc\u0103 o serie de acte pe care trebuie s\u0103 le ob\u021bii de la v\u00e2nz\u0103tor, precum: certificatul fiscal, extrasul de carte funciar\u0103, adeverin\u021ba de la asocia\u021bia de proprietari \u0219i certificatul energetic (acestea vor fi transmise apoi c\u0103tre biroul notarial, unde se va semna \u0219i actul de v\u00e2nzare).<\/p>\n

5. \u00cencheierea contractului<\/h2>\n

\u00cenainte de semnarea contractului de credit, este necesar s\u0103-l studiezi \u00eendeaproape (po\u021bi solicita chiar consultarea acestuia \u00eenainte). Dac\u0103 ai \u00eentreb\u0103ri, nel\u0103muriri sau chiar sugestii, nu ezita s\u0103 le comunici reprezentantului b\u0103ncii cu care ai lucrat p\u00e2n\u0103 acum. Un lucru important de \u0219tiut este c\u0103, dac\u0103 creditul acordat de c\u0103tre banc\u0103 este \u00een alt\u0103 moned\u0103 dec\u00e2t pre\u021bul de achizi\u021bie a imobilului, diferen\u021ba de curs valutar \u00eentre cota\u021bia b\u0103ncii \u0219i cea a BNR (la care se va \u00eencheia tranzac\u021bia) va trebui achitat\u0103 din buzunarul propriu. Asta \u00eenseamn\u0103 c\u0103, \u00een cazul unei diferen\u021be de 0,06 lei la cursul euro-leu (\u00eentre cele dou\u0103 institu\u021bii bancare), tu va trebui s\u0103 pl\u0103te\u0219ti \u00een plus circa 3.000 de lei pentru ca v\u00e2nz\u0103torul s\u0103-\u0219i poat\u0103 primi cei 57.000 de euro pentru care a\u021bi c\u0103zut de acord.<\/p>\n","protected":false},"featured_media":51236,"template":"","guides_category":[1672],"class_list":["post-51235","guides","type-guides","status-publish","has-post-thumbnail","hentry","guides_category-cumparator"],"yoast_head":"\nEtapele contract\u0103rii unui credit la banc\u0103 - ImoExpert<\/title>\n<meta name=\"description\" content=\"Pentru a-\u021bi putea face o imagine c\u00e2t mai realist\u0103 asupra puterii tale reale de cump\u0103rare, demersurile pentru contractarea unui credit ipotecar sau\" \/>\n<meta name=\"robots\" content=\"index, follow\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.imobiliare.ro\/imoexpert\/etapele-contractarii-unui-credit-la-banca\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Etapele contract\u0103rii unui credit la banc\u0103\" \/>\n<meta property=\"og:description\" content=\"Pentru a-\u021bi putea face o imagine c\u00e2t mai realist\u0103 asupra puterii tale reale de cump\u0103rare, demersurile pentru contractarea unui credit ipotecar sau\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.imobiliare.ro\/imoexpert\/etapele-contractarii-unui-credit-la-banca\/\" \/>\n<meta property=\"og:site_name\" content=\"ImoExpert\" \/>\n<meta property=\"article:modified_time\" content=\"2018-03-19T07:41:21+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2018\/03\/Art.3-8-scaled.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2560\" \/>\n\t<meta property=\"og:image:height\" content=\"1706\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"3 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.imobiliare.ro\/imoexpert\/etapele-contractarii-unui-credit-la-banca\/\",\"url\":\"https:\/\/www.imobiliare.ro\/imoexpert\/etapele-contractarii-unui-credit-la-banca\/\",\"name\":\"Etapele contract\u0103rii unui credit la banc\u0103 - ImoExpert\",\"isPartOf\":{\"@id\":\"https:\/\/www.imobiliare.ro\/imoexpert\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.imobiliare.ro\/imoexpert\/etapele-contractarii-unui-credit-la-banca\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.imobiliare.ro\/imoexpert\/etapele-contractarii-unui-credit-la-banca\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2018\/03\/Art.3-8-scaled.jpg\",\"datePublished\":\"2018-03-14T07:49:37+00:00\",\"dateModified\":\"2018-03-19T07:41:21+00:00\",\"description\":\"Pentru a-\u021bi putea face o imagine c\u00e2t mai realist\u0103 asupra puterii tale reale de cump\u0103rare, demersurile pentru contractarea unui credit ipotecar sau\",\"breadcrumb\":{\"@id\":\"https:\/\/www.imobiliare.ro\/imoexpert\/etapele-contractarii-unui-credit-la-banca\/#breadcrumb\"},\"inLanguage\":\"en\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.imobiliare.ro\/imoexpert\/etapele-contractarii-unui-credit-la-banca\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en\",\"@id\":\"https:\/\/www.imobiliare.ro\/imoexpert\/etapele-contractarii-unui-credit-la-banca\/#primaryimage\",\"url\":\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2018\/03\/Art.3-8-scaled.jpg\",\"contentUrl\":\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2018\/03\/Art.3-8-scaled.jpg\",\"width\":2560,\"height\":1706},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.imobiliare.ro\/imoexpert\/etapele-contractarii-unui-credit-la-banca\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Imoradar24\",\"item\":\"https:\/\/www.imoradar24.ro\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"ImoExpert\",\"item\":\"https:\/\/www.imobiliare.ro\/imoexpert\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Ghiduri\",\"item\":\"https:\/\/www.imobiliare.ro\/imoexpert\/ghiduri\/\"},{\"@type\":\"ListItem\",\"position\":4,\"name\":\"Etapele contract\u0103rii unui credit la banc\u0103\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.imobiliare.ro\/imoexpert\/#website\",\"url\":\"https:\/\/www.imobiliare.ro\/imoexpert\/\",\"name\":\"ImoExpert\",\"description\":\"cele mai importante \u015ftiri din domeniul imobiliar\",\"publisher\":{\"@id\":\"https:\/\/www.imobiliare.ro\/imoexpert\/#organization\"},\"inLanguage\":\"en\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.imobiliare.ro\/imoexpert\/#organization\",\"name\":\"Imobiliare.ro\",\"alternateName\":\"Realmedia Network SA\",\"url\":\"https:\/\/www.imobiliare.ro\/imoexpert\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en\",\"@id\":\"https:\/\/www.imobiliare.ro\/imoexpert\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2025\/05\/imobiliare_logo.png\",\"contentUrl\":\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2025\/05\/imobiliare_logo.png\",\"width\":237,\"height\":29,\"caption\":\"Imobiliare.ro\"},\"image\":{\"@id\":\"https:\/\/www.imobiliare.ro\/imoexpert\/#\/schema\/logo\/image\/\"}}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Etapele contract\u0103rii unui credit la banc\u0103 - ImoExpert","description":"Pentru a-\u021bi putea face o imagine c\u00e2t mai realist\u0103 asupra puterii tale reale de cump\u0103rare, demersurile pentru contractarea unui credit ipotecar sau","robots":{"index":"index","follow":"follow"},"canonical":"https:\/\/www.imobiliare.ro\/imoexpert\/etapele-contractarii-unui-credit-la-banca\/","og_locale":"ro_RO","og_type":"article","og_title":"Etapele contract\u0103rii unui credit la banc\u0103","og_description":"Pentru a-\u021bi putea face o imagine c\u00e2t mai realist\u0103 asupra puterii tale reale de cump\u0103rare, demersurile pentru contractarea unui credit ipotecar sau","og_url":"https:\/\/www.imobiliare.ro\/imoexpert\/etapele-contractarii-unui-credit-la-banca\/","og_site_name":"ImoExpert","article_modified_time":"2018-03-19T07:41:21+00:00","og_image":[{"width":2560,"height":1706,"url":"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2018\/03\/Art.3-8-scaled.jpg","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_misc":{"Est. reading time":"3 minute"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.imobiliare.ro\/imoexpert\/etapele-contractarii-unui-credit-la-banca\/","url":"https:\/\/www.imobiliare.ro\/imoexpert\/etapele-contractarii-unui-credit-la-banca\/","name":"Etapele contract\u0103rii unui credit la banc\u0103 - ImoExpert","isPartOf":{"@id":"https:\/\/www.imobiliare.ro\/imoexpert\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.imobiliare.ro\/imoexpert\/etapele-contractarii-unui-credit-la-banca\/#primaryimage"},"image":{"@id":"https:\/\/www.imobiliare.ro\/imoexpert\/etapele-contractarii-unui-credit-la-banca\/#primaryimage"},"thumbnailUrl":"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2018\/03\/Art.3-8-scaled.jpg","datePublished":"2018-03-14T07:49:37+00:00","dateModified":"2018-03-19T07:41:21+00:00","description":"Pentru a-\u021bi putea face o imagine c\u00e2t mai realist\u0103 asupra puterii tale reale de cump\u0103rare, demersurile pentru contractarea unui credit ipotecar sau","breadcrumb":{"@id":"https:\/\/www.imobiliare.ro\/imoexpert\/etapele-contractarii-unui-credit-la-banca\/#breadcrumb"},"inLanguage":"en","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.imobiliare.ro\/imoexpert\/etapele-contractarii-unui-credit-la-banca\/"]}]},{"@type":"ImageObject","inLanguage":"en","@id":"https:\/\/www.imobiliare.ro\/imoexpert\/etapele-contractarii-unui-credit-la-banca\/#primaryimage","url":"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2018\/03\/Art.3-8-scaled.jpg","contentUrl":"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2018\/03\/Art.3-8-scaled.jpg","width":2560,"height":1706},{"@type":"BreadcrumbList","@id":"https:\/\/www.imobiliare.ro\/imoexpert\/etapele-contractarii-unui-credit-la-banca\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Imoradar24","item":"https:\/\/www.imoradar24.ro"},{"@type":"ListItem","position":2,"name":"ImoExpert","item":"https:\/\/www.imobiliare.ro\/imoexpert\/"},{"@type":"ListItem","position":3,"name":"Ghiduri","item":"https:\/\/www.imobiliare.ro\/imoexpert\/ghiduri\/"},{"@type":"ListItem","position":4,"name":"Etapele contract\u0103rii unui credit la banc\u0103"}]},{"@type":"WebSite","@id":"https:\/\/www.imobiliare.ro\/imoexpert\/#website","url":"https:\/\/www.imobiliare.ro\/imoexpert\/","name":"ImoExpert","description":"cele mai importante \u015ftiri din domeniul imobiliar","publisher":{"@id":"https:\/\/www.imobiliare.ro\/imoexpert\/#organization"},"inLanguage":"en"},{"@type":"Organization","@id":"https:\/\/www.imobiliare.ro\/imoexpert\/#organization","name":"Imobiliare.ro","alternateName":"Realmedia Network SA","url":"https:\/\/www.imobiliare.ro\/imoexpert\/","logo":{"@type":"ImageObject","inLanguage":"en","@id":"https:\/\/www.imobiliare.ro\/imoexpert\/#\/schema\/logo\/image\/","url":"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2025\/05\/imobiliare_logo.png","contentUrl":"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2025\/05\/imobiliare_logo.png","width":237,"height":29,"caption":"Imobiliare.ro"},"image":{"@id":"https:\/\/www.imobiliare.ro\/imoexpert\/#\/schema\/logo\/image\/"}}]}},"_links":{"self":[{"href":"https:\/\/www.imobiliare.ro\/imoexpert\/wp-json\/wp\/v2\/guides\/51235","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.imobiliare.ro\/imoexpert\/wp-json\/wp\/v2\/guides"}],"about":[{"href":"https:\/\/www.imobiliare.ro\/imoexpert\/wp-json\/wp\/v2\/types\/guides"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.imobiliare.ro\/imoexpert\/wp-json\/wp\/v2\/media\/51236"}],"wp:attachment":[{"href":"https:\/\/www.imobiliare.ro\/imoexpert\/wp-json\/wp\/v2\/media?parent=51235"}],"wp:term":[{"taxonomy":"guides_category","embeddable":true,"href":"https:\/\/www.imobiliare.ro\/imoexpert\/wp-json\/wp\/v2\/guides_category?post=51235"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}