{"id":26668,"date":"2013-09-03T14:44:46","date_gmt":"2013-09-03T11:44:46","guid":{"rendered":"https:\/\/www.imobiliare.ro\/?p=26668"},"modified":"2013-09-03T14:44:46","modified_gmt":"2013-09-03T11:44:46","slug":"vrei-un-credit-pentru-casa-3-ponturi-pentru-a-plati-cat-mai-putin-la-banca","status":"publish","type":"post","link":"https:\/\/www.imobiliare.ro\/imoexpert\/vrei-un-credit-pentru-casa-3-ponturi-pentru-a-plati-cat-mai-putin-la-banca_db\/","title":{"rendered":"Vrei un credit pentru cas\u0103? 3 ponturi pentru a pl\u0103ti c\u00e2t mai pu\u021bin la banc\u0103"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_81 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-69d0c0daaa192\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"ez-toc-cssicon\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-69d0c0daaa192\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.imobiliare.ro\/imoexpert\/vrei-un-credit-pentru-casa-3-ponturi-pentru-a-plati-cat-mai-putin-la-banca_db\/#Un_pont_important_este_ca_un_plan_inteligent_de_rambursare_a_unui_credit_pentru_casa_te_poate_ajuta_sa_faci_economii_importante\" >Un pont important este c\u0103 un plan inteligent de rambursare a unui credit pentru cas\u0103 te poate ajuta s\u0103 faci economii importante.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.imobiliare.ro\/imoexpert\/vrei-un-credit-pentru-casa-3-ponturi-pentru-a-plati-cat-mai-putin-la-banca_db\/#1_Alege_o_perioada_cat_mai_mica_de_restituire_a_banilor\" >1. Alege o perioad\u0103 c\u00e2t mai mic\u0103 de restituire a banilor!<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.imobiliare.ro\/imoexpert\/vrei-un-credit-pentru-casa-3-ponturi-pentru-a-plati-cat-mai-putin-la-banca_db\/#2_Plata_in_rate_descrescatoare_inseamna_mai_putina_dobanda\" >2. Plata \u00een rate descresc\u0103toare \u00eenseamn\u0103 mai pu\u021bin\u0103 dob\u00e2nd\u0103!<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.imobiliare.ro\/imoexpert\/vrei-un-credit-pentru-casa-3-ponturi-pentru-a-plati-cat-mai-putin-la-banca_db\/#3_Pune_bani_deoparte_pentru_o_rambursare_anticipata\" >3. Pune bani deoparte pentru o rambursare anticipat\u0103!<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Un_pont_important_este_ca_un_plan_inteligent_de_rambursare_a_unui_credit_pentru_casa_te_poate_ajuta_sa_faci_economii_importante\"><\/span>Un pont important este c\u0103 un plan inteligent de rambursare a unui credit pentru cas\u0103 te poate ajuta s\u0103 faci economii importante.<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Dac\u0103 pl\u0103nuie\u0219ti s\u0103 faci un credit pentru achizi\u021bia unei case, probabil c\u0103 ai analizat \u00eendelung \u2013 sau \u00eenc\u0103 mai analizezi \u2013 ofertele diverselor b\u0103nci. \u00cenainte de a semna actele \u00eens\u0103, ar trebui s\u0103 \u0219tii c\u0103 nu doar tipul produsului ales va avea un impact major asupra bugetului t\u0103u \u00een urm\u0103torii ani. Extrem de important este \u0219i planul de rambursare pe care \u00eel vei urma. <\/p>\n<p><a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2013\/09\/casesibani.jpg\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2013\/09\/casesibani-300x200.jpg\" alt=\"casesibani\" width=\"300\" height=\"200\" class=\"alignleft size-medium wp-image-26669\" srcset=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2013\/09\/casesibani-300x200.jpg 300w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2013\/09\/casesibani-87x57.jpg 87w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2013\/09\/casesibani-65x43.jpg 65w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2013\/09\/casesibani-154x103.jpg 154w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2013\/09\/casesibani.jpg 480w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"1_Alege_o_perioada_cat_mai_mica_de_restituire_a_banilor\"><\/span>1. Alege o perioad\u0103 c\u00e2t mai mic\u0103 de restituire a banilor!<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Atunci c\u00e2nd faci un \u00eemprumut, trebuie s\u0103 decizi \u00een c\u00e2t timp \u00eel vei \u00eenapoia \u2013 cu dob\u00e2nzi \u0219i comisioane cu tot. La prima vedere, cu c\u00e2t perioada de rambursare e mai \u00eendelungat\u0103, cu at\u00e2t mai bine, pentru c\u0103 ai de achitat rate lunare mai mici. Avantajul costurilor reduse este valabil \u00eens\u0103 doar pe plan imediat. \u201eEste bine de \u0219tiut c\u0103 o perioad\u0103 de rambursare mai mare atrage dup\u0103 sine un cost total al creditului mai mare, deoarece se va pl\u0103ti mai mult\u0103 dob\u00e2nd\u0103. De exemplu, \u00een cazul unui credit de 57.000 de euro, accesat pe 10 ani, cu o dob\u00e2nd\u0103 de 5% \u0219i rambursat \u00een rate egale, suma total\u0103 de plat\u0103 ajunge la 72.550 de euro, pe c\u00e2nd la acela\u0219i credit, accesat pe 30 ani, suma total\u0103 de plat\u0103 ajunge la 110.155 de euro. Deci este o diferen\u021b\u0103 \u00een plus de aproape 37.605 de euro, care reprezint\u0103 dob\u00e2nda pl\u0103tit\u0103 \u00een plus de client\u201d, spune Anca Bidian, CEO al brokerului de credite Kiwi Finance. \u00cen acest context, perioada optim\u0103 de rambursare a creditului ar trebui aleas\u0103 \u00een func\u021bie de echilibrul dintre valoarea maxim\u0103 a ratei lunare cu care te sim\u021bi confortabil \u0219i cea mai scurt\u0103 perioad\u0103 de rambursare posibil\u0103.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"2_Plata_in_rate_descrescatoare_inseamna_mai_putina_dobanda\"><\/span>2. Plata \u00een rate descresc\u0103toare \u00eenseamn\u0103 mai pu\u021bin\u0103 dob\u00e2nd\u0103!<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Odat\u0103 decis cu privire la perioada de restituire a creditului, mai ai de f\u0103cut o alegere: s\u0103 pl\u0103te\u0219ti \u00een rate egale sau \u00een rate descresc\u0103toare? Din nou, cea dint\u00e2i solu\u021bie pare cea mai atractiv\u0103, datorit\u0103 ratelor ini\u021biale mai mici &#8211; fapt ce permite, totodat\u0103, accesarea unei sume mai mari. Pe termen lung \u00eens\u0103, aceast\u0103 modalitate de plat\u0103 presupune  costuri mai ridicate. \u201ePractic, aceasta este varianta care atrage plata unor sume mai mari de dob\u00e2nd\u0103 \u00een total, soldul creditului diminu\u00e2ndu-se mai lent\u201d, subliniaz\u0103 Anca Bidian. Pe de alt\u0103 parte, precizeaz\u0103 ea, plata \u00een rate descresc\u0103toare prezint\u0103 avantajul unor costuri totale mai mici ale creditului, \u00een ciuda ratelor ini\u021biale mai mari. \u201c\u00cen m\u0103sura \u00een care clientul este eligibil pentru suma dorit\u0103 \u0219i poate suporta o rat\u0103 ini\u021bial\u0103 mai mare, \u00eei recomand\u0103m s\u0103 aleag\u0103 rambursarea \u00een rate descresc\u0103toare\u201d, noteaz\u0103 reprezentanta Kiwi Finance.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"3_Pune_bani_deoparte_pentru_o_rambursare_anticipata\"><\/span>3. Pune bani deoparte pentru o rambursare anticipat\u0103!<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Dac\u0103 sim\u021bi c\u0103 \u00een ceea ce prive\u0219te condi\u021biile de rambursare a creditului nu ai o libertate prea mare de mi\u0219care, s\u0103 \u0219tii c\u0103 mai ai la dispozi\u021bie un instrument pentru a diminua costurile pe termen lung ale creditului: rambursarea anticipat\u0103. Apel\u00e2nd la aceast\u0103 solu\u021bie, suma restituit\u0103 anticipat se scade din valoarea creditului restant, iar debitorul nu mai pl\u0103te\u0219te dob\u00e2nd\u0103 pentru ea. Anca Bidian recomand\u0103 clien\u021bilor care au accesat sau urmeaz\u0103 s\u0103 acceseze un credit pentru locuin\u021b\u0103 s\u0103 \u00eencerce s\u0103 economiseasc\u0103 periodic \u2013 lunar, dac\u0103 se poate &#8211; sume suplimentare pe l\u00e2ng\u0103 rata de plat\u0103 la banc\u0103. La anumite intervale, ace\u0219ti bani pot face obiectul unei pl\u0103\u021bi anticipate par\u021biale, pe baza unei cereri scrise adresate b\u0103ncii. O alt\u0103 variant\u0103 este de a economisi \u00eentr-un cont de economii o sum\u0103 mai mare, care s\u0103 adune dob\u00e2nzi \u00een timp \u0219i care s\u0103 permit\u0103 ulterior achitarea integral\u0103 a creditului, \u00eenainte de termen. \u201cExist\u0103 \u00een acest moment \u00een pia\u021b\u0103 instrumente de economisire-creditare care sunt de ajutor la crearea unei discipline financiare, ofer\u0103 un randament mai bun dec\u00e2t depozitele clasice, sunt garantate de Fondul de Garantare \u0219i pot fi utilizate \u00een timp la rambursarea anticipat\u0103 a unui credit ipotecar\u201d, completeaz\u0103 reprezentanta Kiwi Finance. <\/p>\n<p><em><strong>Cite\u0219te \u0219i: <a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/articole\/cel-mai-ieftin-credit-in-lei-cum-sa-ti-achiti-locuinta-de-3-ori-mai-repede-si-cu-un-cost-de-15-ori-mai-mic-decat-prin-prima-casa_db\/\">Cel mai ieftin credit \u00een lei: cum s\u0103-\u021bi achi\u021bi locuin\u021ba de 3 ori mai repede \u0219i cun cost de 15 ori mai mic dec\u00e2t prin Prima Cas\u0103<\/a><\/strong><\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Un pont important este c\u0103 un plan inteligent de rambursare a unui credit pentru cas\u0103 te poate ajuta s\u0103 faci economii importante. Dac\u0103 pl\u0103nuie\u0219ti s\u0103 faci un credit pentru achizi\u021bia unei case, probabil c\u0103 ai analizat \u00eendelung \u2013 sau \u00eenc\u0103 mai analizezi \u2013 ofertele diverselor b\u0103nci. \u00cenainte de a semna actele \u00eens\u0103, ar trebui s\u0103 [&hellip;]<\/p>\n","protected":false},"author":829,"featured_media":26669,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[263,259],"tags":[480,1410,1411],"content_author":[],"class_list":["post-26668","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credite","category-stiri","tag-cumparator","tag-newsletter","tag-principal"],"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>Vrei un credit pentru cas\u0103? 3 ponturi pentru a pl\u0103ti c\u00e2t mai pu\u021bin la banc\u0103<\/title>\n<meta name=\"description\" content=\"Dac\u0103 pl\u0103nuie\u0219ti s\u0103 faci un credit pentru achizi\u021bia unei case, ar trebui s\u0103 \u0219tii c\u0103 nu doar produsul pe care \u00eel vei alege va avea un impact major asupra bugetului t\u0103u \u00een urm\u0103torii ani, ci \u0219i planul de rambursare pe care \u00eel vei urma.\" \/>\n<meta name=\"robots\" content=\"index, follow\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.imobiliare.ro\/imoexpert\/vrei-un-credit-pentru-casa-3-ponturi-pentru-a-plati-cat-mai-putin-la-banca_db\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Vrei un credit pentru cas\u0103? 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