{"id":52001,"date":"2018-03-14T19:14:04","date_gmt":"2018-03-14T17:14:04","guid":{"rendered":"https:\/\/www.imobiliare.ro\/imoexpert\/?post_type=guides&p=52001"},"modified":"2024-08-30T16:07:23","modified_gmt":"2024-08-30T13:07:23","slug":"etapele-contractarii-unui-credit-la-banca-2","status":"publish","type":"guides","link":"https:\/\/www.imobiliare.ro\/imoexpert\/etapele-contractarii-unui-credit-la-banca-2\/","title":{"rendered":"Etapele contract\u0103rii unui credit la banc\u0103"},"content":{"rendered":"

Demersurile pentru contractarea unui credit ipotecar sau imobiliar pot fi ini\u021biate fie i\u0302nainte de i\u0302nceperea c\u0103ut\u0103rii propriu-zise, fie i\u0302n timpul procesului de c\u0103utare a unei locuin\u021be. Primul pas dintre cei prezenta\u021bi mai jos ar trebui f\u0103cut, totu\u0219i, i\u0302nainte de a porni la \u201eva\u0302n\u0103toare\u201d de locuin\u021be, i\u0302ntruca\u0302t te va ajuta s\u0103-\u021bi faci o imagine ca\u0302t mai obiectiv\u0103 i\u0302n ceea ce prive\u0219te ca\u0302t anume i\u0302\u021bi permi\u021bi s\u0103 investe\u0219ti:<\/p>\n

1. Scoringul<\/h2>\n

Scoringul reprezint\u0103 un calcul, pe baza veniturilor \u0219i cheltuielilor tale de baz\u0103 (estimate de c\u0103tre banc\u0103), din care rezult\u0103 ca\u0302t i\u0302\u021bi po\u021bi permite s\u0103 i\u0302mprumu\u021bi. Pentru a-\u021bi face o idee asupra situa\u021biei tale exist\u0103 \u0219i instrumente de calcul online; recomandat este i\u0302ns\u0103 s\u0103 discu\u021bi cu un reprezentant al b\u0103ncii \u2013 sau cu un broker de credite \u2013 pentru a avea acces la mai multe detalii \u0219i recomand\u0103ri. Po\u021bi afla, astfel, o serie de informa\u021bii importante \u2013 cum ar fi, spre exemplu, tipurile de venituri acceptate de c\u0103tre banca respectiv\u0103 (altele deca\u0302t cele salariale) \u0219i cuantumul luat i\u0302n calcul pentru acestea.<\/p>\n

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

Acest pas poate fi f\u0103cut ata\u0302t i\u0302nainte, ca\u0302t \u0219i dup\u0103 g\u0103sirea locuin\u021bei potrivite \u2013 dac\u0103 vrei s\u0103 ai o mai mare siguran\u021b\u0103 i\u0302n ceea ce prive\u0219te suma pe care va trebui s\u0103 o i\u0302mprumu\u021bi. Dosarul va cuprinde actul de identitate al debitorului \u0219i, eventual, pe cel al codebitorului, al\u0103turi de certificatul de c\u0103s\u0103torie, atunci ca\u0302nd 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. Un avantaj al creditelor standard fa\u021b\u0103 de cele Prima Cas\u0103 este c\u0103 durata de aprobare a creditului, din momentul depunerii tuturor actelor, este semnificativ mai redus\u0103, respectiv de doar ca\u0302teva zile (mai pu\u021bin de o s\u0103pt\u0103ma\u0302n\u0103).<\/p>\n

3. Evaluarea imobilului<\/h2>\n

I\u0302n cazul unui i\u0302mprumut garantat prin ipotec\u0103, este necesar\u0103 evaluarea imobilului ce se dore\u0219te a fi achizi\u021bionat de c\u0103tre un evaluator autorizat, membru al Asociat\u0327iei Nat\u0327ionale a Evaluatorilor Autorizat\u0327i din Roma\u0302nia (acesta i\u0302l po\u021bi c\u0103uta \u0219i pe cont propriu, i\u0302ns\u0103 b\u0103ncile au, i\u0302n mod normal, o list\u0103 de speciali\u0219ti la care po\u021bi apela). Costul unei asemenea opera\u021biuni variaz\u0103, de regul\u0103, i\u0302ntre 100 \u0219i 200 de euro, i\u0302n func\u021bie de tipul \u0219i valoarea propriet\u0103\u021bii i\u0302n sine.<\/p>\n

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

Dup\u0103 i\u0302ntocmirea evalu\u0103rii, trebuie prezentate la banc\u0103 o serie de acte pe care trebuie s\u0103 le ob\u021bii de la va\u0302nz\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 va\u0302nzare).<\/p>\n

5. I\u0302ncheierea contractului<\/h2>\n

I\u0302nainte de semnarea contractului de credit, asigur\u0103-te c\u0103 l-ai studiat i\u0302n detaliu \u2013 dac\u0103 solici\u021bi dinainte consultarea contractului-tip pus la dispozi\u021bie de c\u0103tre banc\u0103, po\u021bi apela chiar la serviciile de consultan\u021b\u0103 din partea unui jurist. Este bine s\u0103 \u0219tii c\u0103 modelul de contract ce-\u021bi va fi prezentat nu este b\u0103tut i\u0302n cuie, i\u0302n el puta\u0302ndu-se face anumite schimb\u0103ri, inclusiv la cererea ta \u2013 i\u0302n limita prevederilor legale \u0219i a condi\u021biilor de creditare ale b\u0103ncii, desigur.
\nBine de \u0219tiut este faptul c\u0103, i\u0302n cazurile i\u0302n care creditul acordat de c\u0103tre banc\u0103 este i\u0302n alt\u0103 moned\u0103 deca\u0302t pre\u021bul de achizi\u021bie a imobilului, diferen\u021ba de curs valutar i\u0302ntre cota\u021bia b\u0103ncii \u0219i cea a BNR (la care se va i\u0302ncheia tranzac\u021bia) va trebui suportat\u0103 de c\u0103tre cump\u0103r\u0103tor. Asta i\u0302nseamn\u0103 c\u0103, i\u0302n cazul unei diferen\u021be de 0,06 lei la cursul euro- leu (i\u0302ntre cele dou\u0103 institu\u021bii bancare), tu va trebui s\u0103 pl\u0103te\u0219ti i\u0302n plus circa 3.000 de lei pentru ca va\u0302nz\u0103torul s\u0103-\u0219i poat\u0103 primi cei 50.000 de euro acorda\u021bi de c\u0103tre banc\u0103.<\/p>\n","protected":false},"featured_media":52002,"template":"","guides_category":[1675],"class_list":["post-52001","guides","type-guides","status-publish","has-post-thumbnail","hentry","guides_category-cumparator-cu-scop-investitional"],"yoast_head":"\nEtapele contract\u0103rii unui credit la banc\u0103 - ImoExpert<\/title>\n<meta name=\"description\" content=\"Demersurile pentru contractarea unui credit ipotecar sau imobiliar pot fi ini\u021biate fie i\u0302nainte de i\u0302nceperea c\u0103ut\u0103rii propriu-zise, fie i\u0302n timpul\" \/>\n<meta name=\"robots\" content=\"index, follow\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.imobiliare.ro\/imoexpert\/etapele-contractarii-unui-credit-la-banca-2\/\" \/>\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=\"Demersurile pentru contractarea unui credit ipotecar sau imobiliar pot fi ini\u021biate fie i\u0302nainte de i\u0302nceperea c\u0103ut\u0103rii propriu-zise, fie i\u0302n timpul\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.imobiliare.ro\/imoexpert\/etapele-contractarii-unui-credit-la-banca-2\/\" \/>\n<meta property=\"og:site_name\" content=\"ImoExpert\" \/>\n<meta property=\"article:modified_time\" content=\"2024-08-30T13:07:23+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2018\/03\/Art.2-16-scaled.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2560\" \/>\n\t<meta property=\"og:image:height\" content=\"1707\" \/>\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-2\/\",\"url\":\"https:\/\/www.imobiliare.ro\/imoexpert\/etapele-contractarii-unui-credit-la-banca-2\/\",\"name\":\"Etapele contract\u0103rii unui credit la banc\u0103 - 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