{"id":65516,"date":"2022-09-12T08:58:55","date_gmt":"2022-09-12T05:58:55","guid":{"rendered":"https:\/\/www.imobiliare.ro\/imoexpert\/?post_type=guides&#038;p=65516"},"modified":"2025-10-08T17:23:03","modified_gmt":"2025-10-08T14:23:03","slug":"de-ce-trebuie-sa-treci-prin-etapa-de-precalificare","status":"publish","type":"guides","link":"https:\/\/www.imobiliare.ro\/imoexpert\/de-ce-trebuie-sa-treci-prin-etapa-de-precalificare\/","title":{"rendered":"De ce trebuie s\u0103 treci prin etapa de precalificare?"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Precalificarea \u0219i preaprobarea sunt termeni cu care te vei \u00eent\u00e2lni \u00een procesul de achizi\u021bie a unui imobil, prin intermediul unui credit ipotecar. Cu toate acestea, de\u0219i sun\u0103 \u00een mod similar, nu reprezint\u0103 acelea\u0219i lucruri.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Care este diferen\u021ba dintre precalificarea creditului ipotecar \u0219i preaprobarea?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Precalificarea se bazeaz\u0103 pe informa\u021bii financiare pe care creditorul nu le verific\u0103, \u00een prim\u0103 instan\u021b\u0103. De exemplu, \u00een aceast\u0103 etap\u0103, vei fi \u00eentrebat care este venitul t\u0103u \u0219i care sunt datoriile tale actuale, \u00eens\u0103 nu \u00ee\u021bi vor fi cerute documentele care s\u0103 dovedeasc\u0103 acest lucru. \u00cen schimb, aprobarea prealabil\u0103 necesit\u0103 furnizarea dovezilor care verific\u0103 datele financiare declarate.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Cum te po\u021bi precalifica pentru un credit ipotecar?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Dac\u0103 dore\u0219ti s\u0103 te precalifici pentru un credit ipotecar, creditorii vor avea nevoie s\u0103 le furnizezi urm\u0103toarele informa\u021bii:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Sursa de venit<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Vechimea \u00een munc\u0103<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Datorii existente\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Avansul de care dispui<\/span><\/li>\n<\/ul>\n<h2><span style=\"font-weight: 400;\">Care este avantajul principal \u00een precalificarea pentru un credit ipotecar?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Precalificarea pentru un credit ipotecar te va ajuta s\u0103 afli intervalul de pre\u021buri a imobilelor pe care \u021bi le po\u021bi permite. \u00cen plus, ob\u021binerea preaprob\u0103rii poate oferi agen\u021bilor imobiliari \u0219i v\u00e2nz\u0103torilor mai mult\u0103 \u00eencredere legat\u0103 de faptul c\u0103 \u00ee\u021bi po\u021bi permite achizi\u021bia propriet\u0103\u021bii. \u00cen plus, etapa de preaprobare te ajut\u0103 s\u0103 aduni documentele de care vei avea nevoie atunci c\u00e2nd completezi cererea de credit ipotecar.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Cu c\u00e2t timp \u00eenainte de achizi\u021bie trebuie s\u0103 fii precalificat pentru un credit ipotecar?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Ia \u00een considerare precalificarea pentru un credit ipotecar cu cel mult 6 luni \u00eenainte de a \u00eencepe s\u0103 cau\u021bi o locuin\u021b\u0103, astfel \u00eenc\u00e2t aceasta se bazeaz\u0103 pe situa\u021bia financiar\u0103 actual\u0103. \u00cen plus, \u00eencearc\u0103 s\u0103 ob\u021bii preaprobarea pentru un credit ipotecar cu o lun\u0103 sau dou\u0103 \u00eenainte de a face o ofert\u0103 pentru o cas\u0103, astfel \u00eenc\u00e2t aceasta s\u0103 se bazeze pe rate ale dob\u00e2nzii mai recente. \u00cen primul trimestru din 2025, dob\u00e2nda fix\u0103 a sc\u0103zut de la 5,75% la 4,79%.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Care este perioada de valabilitate a unei preaprobari financiare pentru un credit ipotecar?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Preaprob\u0103rile pentru un credit ipotecar pot dura \u00eentre 60 \u0219i 90 de zile, \u00eenainte ca acestea s\u0103 expire. Unul dintre motivele pentru care aprob\u0103rile prealabile expir\u0103 const\u0103 \u00een faptul c\u0103 se bazeaz\u0103 pe ratele dob\u00e2nzilor curente, iar ratele dob\u00e2nzilor se pot schimba! Spre exemplu, rata lunar\u0103 medie a sc\u0103zut <\/span>de la 2.292 lei la 2.136 lei, iar indicele IRCC a cobor\u00e2t de la 5,97% la 5,66%.<\/p>\n<h2><span style=\"font-weight: 400;\">Ob\u021bine\u021bi precalificarea cu Imobiliare.ro!<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Dac\u0103 dore\u0219ti s\u0103 simulezi un scenariu de credit standard, folose\u0219te <\/span><a class=\"article-body-links\"href=\"https:\/\/bit.ly\/3bmhC8d\"><span style=\"font-weight: 400;\">instrumentul Imobiliare.ro<\/span><\/a><span style=\"font-weight: 400;\">. \u00cen plus, te putem ajuta s\u0103 facilitezi procesul de creditare. Astfel, \u00ee\u021bi oferim complet gratuit, f\u0103r\u0103 nici un cost ascuns, posibilitatea de a ob\u021bine finan\u021bare printr-un broker de credit.<\/span><\/p>\n<p><a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/finantare-prin-broker-de-credite-ipotecare-cu-comision-zero\"><span style=\"font-weight: 400;\">Solicit\u0103 o \u00eent\u00e2lnire<\/span><\/a><span style=\"font-weight: 400;\"> cu unul dintre brokerii Imobiliare.ro \u0219i te vei bucura de o rela\u021bie bazat\u0103 pe \u00eencredere \u0219i respect reciproc. <\/span><\/p>\n","protected":false},"featured_media":65515,"template":"","guides_category":[],"class_list":["post-65516","guides","type-guides","status-publish","has-post-thumbnail","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.0 (Yoast SEO v27.0) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>De ce trebuie s\u0103 treci prin etapa de precalificare? - ImoExpert<\/title>\n<meta name=\"description\" content=\"Precalificarea \u0219i preaprobarea sunt termeni cu care te vei \u00eent\u00e2lni \u00een procesul de achizi\u021bie a unui imobil, prin intermediul unui credit ipotecar. 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