{"id":65365,"date":"2022-08-19T13:28:48","date_gmt":"2022-08-19T10:28:48","guid":{"rendered":"https:\/\/www.imobiliare.ro\/imoexpert\/?post_type=guides&p=65365"},"modified":"2024-05-13T15:35:44","modified_gmt":"2024-05-13T12:35:44","slug":"care-este-varianta-optima-pentru-tine-credit-ipotecar-in-lei-sau-in-euro","status":"publish","type":"guides","link":"https:\/\/www.imobiliare.ro\/imoexpert\/care-este-varianta-optima-pentru-tine-credit-ipotecar-in-lei-sau-in-euro\/","title":{"rendered":"Care este varianta optim\u0103 pentru tine: credit ipotecar \u00een lei sau \u00een euro?"},"content":{"rendered":"
\n

Ai g\u0103sit proprietatea ideal\u0103, \u0219tii deja ce dob\u00e2nd\u0103 vei alege, dispui de o anumit\u0103 sum\u0103 pentru avans \u0219i e\u0219ti preg\u0103tit pentru contractarea unui credit ipotecar. Cu toate acestea, inevitabil apare incertitudinea: s\u0103 faci creditul \u00een lei sau \u00een euro?<\/span><\/p>\n

O mare parte dintre institu\u021biile financiare \u00ee\u021bi ofer\u0103 posibilitatea de a contracta creditul ipotecar at\u00e2t \u00een moneda na\u021bional\u0103, c\u00e2t \u0219i \u00een alte valute. \u00cens\u0103, o regul\u0103 nescris\u0103 spune c\u0103 este recomandat ca moneda \u00een care ai veniturile s\u0103 fie aceea\u0219i cu cea \u00een care \u00ee\u021bi vei pl\u0103ti rata.<\/span><\/p>\n

Ce trebuie s\u0103 \u0219tii pentru creditele ipotecare \u00een lei<\/span><\/h2>\n

\u00cen cele mai multe dintre cazuri, institu\u021biile financiare \u00ee\u021bi vor solicita un avans mult mai mic (de minim 15%) pentru creditele \u00een lei, comparativ cu cele \u00een euro. Din punct de vedere al riscurilor, ai un control mult mai mare asupra unui credit \u00een lei, deoarece nu va trebui s\u0103 te preocupi constant de evolu\u021bia cursului de schimb. \u00cen cele din urm\u0103, \u00een pia\u021ba financiar\u0103 exist\u0103 mai multe op\u021biuni de creditare \u00een lei spre deosebire de alte valute.<\/span><\/p>\n

Pe de alt\u0103 parte, creditele \u00een lei pot veni \u0219i cu dezavantaje. D<\/span>ob\u00e2nzile variabile la creditele \u00een lei sunt mai fluctuante, deoarece sunt influen\u021bate de indicele ROBOR sau IRCC. \u00cens\u0103 aceast\u0103 situa\u021bie poate fi rezolvat\u0103 prin alegerea unui credit cu dob\u00e2nd\u0103 fix\u0103.<\/span><\/p>\n

Pentru a ob\u021bine mai multe informa\u021bii cu privire la costurile asociate unui credit ipotecar, po\u021bi apela cu \u00eencredere la<\/span> expertiza unui broker de credite<\/span><\/a>. Cu ajutorul unui astfel de specialist, vei putea g\u0103si <\/span>gratuit <\/i><\/b>solu\u021bia de refinan\u021bare ideal\u0103 pentru obiectivele tale financiare.<\/span><\/p>\n

Ce trebuie s\u0103 \u0219tii pentru creditele ipotecare \u00een euro<\/span><\/h2>\n

Acest tip de credit a fost foarte popular p\u00e2n\u0103 \u00een anul 2008 (datorit\u0103 dob\u00e2nzilor mai mici), c\u00e2nd banca central\u0103 a impus noi cerin\u021be. Astfel, din acest punct, \u00een pia\u021b\u0103 au \u00eenceput s\u0103 apar\u0103 mult mai pu\u021bine oferte \u00een valut\u0103 str\u0103in\u0103, focusul fiind de pe moneda na\u021bional\u0103. Ba chiar mai mult, aleg\u00e2nd un credit \u00een euro te supui la un nivel mai mare de risc, deoarece po\u021bi fi afectat de modific\u0103rile cursului de schimb. <\/span><\/p>\n

Un alt aspect de care trebuie s\u0103 \u021bii cont este faptul c\u0103 pentru un credit \u00een alt\u0103 moned\u0103 dec\u00e2t cea na\u021bional\u0103, avansul minim este de cel pu\u021bin 25%. \u00cen plus, din cauza gradului de \u00eendatorare aproape la jum\u0103tate fa\u021b\u0103 de creditele \u00een moneda na\u021bional\u0103, creditele \u00een euro nu sunt la fel de atractive pentru c\u0103 nu permit finan\u021barea achizi\u021biilor mai scumpe.<\/span><\/p>\n

Ce alegi: lei sau euro?<\/span><\/h2>\n

Regula principal\u0103 r\u0103m\u00e2ne aceea\u0219i: creditele se aleg \u00een func\u021bie de moneda \u00een care \u00ee\u021bi \u00eencasezi veniturile. A\u0219adar, dac\u0103 \u00eencasezi venituri \u00een euro, alegerea ideal\u0103 pentru aceast\u0103 situa\u021bie poate fi un credit \u00een euro. \u00cens\u0103, dac\u0103 veniturile tale sunt disponibile \u00een lei, este recomandat s\u0103 alegi un credit \u00een lei.  <\/span><\/p>\n

\u00cen cazul \u00een care dore\u0219ti o simulare de credit \u00een lei sau \u00een euro, <\/span>solicit\u0103 o \u00eent\u00e2lnire<\/span><\/a> cu un broker de credite direct pe Imobiliare.ro!<\/span><\/p>\n<\/div>\n","protected":false},"featured_media":65366,"template":"","guides_category":[2088],"class_list":["post-65365","guides","type-guides","status-publish","has-post-thumbnail","hentry","guides_category-finantare"],"yoast_head":"\nCredit in lei sau euro? 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