{"id":60794,"date":"2020-10-26T20:09:01","date_gmt":"2020-10-26T18:09:01","guid":{"rendered":"https:\/\/www.imobiliare.ro\/imoexpert\/?p=60794"},"modified":"2020-10-26T20:09:01","modified_gmt":"2020-10-26T18:09:01","slug":"ing-bank-7-idei-preconcepute-despre-creditele-ipotecare-inclusiv-noua-casa","status":"publish","type":"post","link":"https:\/\/www.imobiliare.ro\/imoexpert\/ing-bank-7-idei-preconcepute-despre-creditele-ipotecare-inclusiv-noua-casa_db\/","title":{"rendered":"ING Bank: 7 idei preconcepute despre creditele ipotecare \u2013 inclusiv Noua Cas\u0103!"},"content":{"rendered":"<p><a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2020\/10\/ING-Bank-sapte-idei-preconcepute-despre-creditele-ipotecare-inclusiv-Noua-Casa.jpg\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2020\/10\/ING-Bank-sapte-idei-preconcepute-despre-creditele-ipotecare-inclusiv-Noua-Casa.jpg\" alt=\"\" width=\"800\" height=\"473\" class=\"aligncenter size-full wp-image-60810\" srcset=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2020\/10\/ING-Bank-sapte-idei-preconcepute-despre-creditele-ipotecare-inclusiv-Noua-Casa.jpg 800w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2020\/10\/ING-Bank-sapte-idei-preconcepute-despre-creditele-ipotecare-inclusiv-Noua-Casa-300x177.jpg 300w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2020\/10\/ING-Bank-sapte-idei-preconcepute-despre-creditele-ipotecare-inclusiv-Noua-Casa-768x454.jpg 768w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/a><\/p>\n<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-69d39e2b0de45\" 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-69d39e2b0de45\"  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\/ing-bank-7-idei-preconcepute-despre-creditele-ipotecare-inclusiv-noua-casa_db\/#A_contracta_un_imprumut_cu_cel_mai_mic_avans_posibil_nu_este_din_punct_de_vedere_financiar_cea_mai_buna_decizie\" >A contracta un \u00eemprumut cu cel mai mic avans posibil nu este, din punct de vedere financiar, cea mai bun\u0103 decizie.<\/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\/ing-bank-7-idei-preconcepute-despre-creditele-ipotecare-inclusiv-noua-casa_db\/#1_%E2%80%9EAvansul_mai_mare_nu_ma_ajuta_cu_nimic_doar_imi_ia_din_banii_de_mobilare%E2%80%9D\" >1. \u201eAvansul mai mare nu m\u0103 ajut\u0103 cu nimic, doar \u00eemi ia din banii de mobilare\u201d<\/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\/ing-bank-7-idei-preconcepute-despre-creditele-ipotecare-inclusiv-noua-casa_db\/#2_%E2%80%9EDureaza_mult_sa_primesti_creditul_indiferent_de_tipul_lui%E2%80%9D\" >2. \u201eDureaz\u0103 mult s\u0103 prime\u0219ti creditul, indiferent de tipul lui\u201d<\/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\/ing-bank-7-idei-preconcepute-despre-creditele-ipotecare-inclusiv-noua-casa_db\/#3_%E2%80%9ENu_conteaza_daca_dobanda_este_fixa_sau_variabila_Important_este_costul_pe_care_il_am_acum%E2%80%9D\" >3. \u201eNu conteaz\u0103 dac\u0103 dob\u00e2nda este fix\u0103 sau variabil\u0103. Important este costul pe care \u00eel am acum\u201d<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.imobiliare.ro\/imoexpert\/ing-bank-7-idei-preconcepute-despre-creditele-ipotecare-inclusiv-noua-casa_db\/#4_%E2%80%9ENu_iti_poti_vinde_locuinta_in_primii_cinci_ani%E2%80%9D\" >4. \u201eNu \u00ee\u021bi po\u021bi vinde locuin\u021ba \u00een primii cinci ani\u201d<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.imobiliare.ro\/imoexpert\/ing-bank-7-idei-preconcepute-despre-creditele-ipotecare-inclusiv-noua-casa_db\/#5_%E2%80%9EEsti_taxat_daca_inchizi_creditul_in_avans%E2%80%9D\" >5. \u201eE\u0219ti taxat dac\u0103 \u00eenchizi creditul \u00een avans\u201d<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.imobiliare.ro\/imoexpert\/ing-bank-7-idei-preconcepute-despre-creditele-ipotecare-inclusiv-noua-casa_db\/#6_%E2%80%9EBanca_la_care_sunt_client_de_ani_de_zile_imi_va_acorda_cele_mai_bune_conditii%E2%80%9D\" >6. \u201eBanca la care sunt client de ani de zile \u00eemi va acorda cele mai bune condi\u021bii\u201d<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.imobiliare.ro\/imoexpert\/ing-bank-7-idei-preconcepute-despre-creditele-ipotecare-inclusiv-noua-casa_db\/#7_%E2%80%9EAsigurarea_de_viata_nu_e_necesara%E2%80%9D\" >7. \u201eAsigurarea de via\u021b\u0103 nu e necesar\u0103\u201d<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"A_contracta_un_imprumut_cu_cel_mai_mic_avans_posibil_nu_este_din_punct_de_vedere_financiar_cea_mai_buna_decizie\"><\/span>A contracta un \u00eemprumut cu cel mai mic avans posibil nu este, din punct de vedere financiar, cea mai bun\u0103 decizie.<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Te g\u00e2nde\u0219ti s\u0103-\u021bi cumperi o locuin\u021b\u0103? Pentru cei care nu dispun integral de bani ghea\u021b\u0103, a lua cea mai bun\u0103 decizie de cump\u0103rare implic\u0103 nu doar alegerea locuin\u021bei potrivite, ci \u0219i a unei variante de finan\u021bare c\u00e2t mai avantajoase. \u00cen procesul de \u201esondare\u201d a ofertelor de creditare disponibile \u00een pia\u021b\u0103, te vei lovi, probabil, de destule idei preconcepute \u2013 ale tale sau preluate de la al\u021bii.<br \/>\nReprezentan\u021bii ING Bank au \u00eentocmit o list\u0103 de \u0219apte asemenea \u201emituri\u201d legate de creditele ipotecare, \u201ela pachet\u201d cu o serie de sfaturi practice pentru cei care se g\u00e2ndesc s\u0103 contracteze un credit ipotecar \u2013 inclusiv prin intermediul programului Noua Cas\u0103:<\/p>\n<h2><span class=\"ez-toc-section\" id=\"1_%E2%80%9EAvansul_mai_mare_nu_ma_ajuta_cu_nimic_doar_imi_ia_din_banii_de_mobilare%E2%80%9D\"><\/span>1. \u201eAvansul mai mare nu m\u0103 ajut\u0103 cu nimic, doar \u00eemi ia din banii de mobilare\u201d<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\u00cen momentul \u00een care achizi\u021bioneaz\u0103 o cas\u0103, oricine se g\u00e2nde\u0219te \u0219i la costurile ce vor urma dup\u0103 ce se semneaz\u0103 actele. O cheltuial\u0103 important\u0103 este asociat\u0103 renov\u0103rii (dac\u0103 este cazul) \u0219i mobil\u0103rii locuin\u021bei. \u201eDe aici, tenta\u021bia de a merge c\u0103tre avansul minim pentru credit este foarte mare. \u00cens\u0103 un avans mai consistent are multe avantaje. Printre acestea este faptul c\u0103 demonstrezi pruden\u021b\u0103, ceea ce \u00eei d\u0103 \u00eencredere b\u0103ncii pentru a te credita. \u00cen acest fel, \u0219ansele de a te califica pentru suma dorit\u0103 sunt mult mai mari. Totodat\u0103, vei avea o rat\u0103 mai mic\u0103, ce vine implicit din faptul c\u0103 \u0219i \u00eemprumu\u021bi o sum\u0103 mai mic\u0103\u201d, subliniaz\u0103 oficialii institu\u021biei bancare. <\/p>\n<p>Ace\u0219tia precizeaz\u0103 c\u0103, \u00een unele cazuri, clientul poate beneficia de anumite discounturi \u2013 cum este cazul unei reduceri de 0,5% la rata dob\u00e2nzii pentru creditul ipotecar 7FIX de la ING pentru clien\u021bii care dispun de minimum 25% avans la credit. Spre exemplu, la un credit cu dob\u00e2nd\u0103 fix\u0103 pe 30 de ani, pentru un imobil care are pre\u021bul de v\u00e2nzare 88.235 de euro, rata fix\u0103 la un avans de 15% ar fi de 2.078 de lei pe lun\u0103, \u00een vreme ce, la un avans de 25%, rata fix\u0103 ar ajunge la 1.834 de lei pe lun\u0103. Practic, asta \u00eenseamn\u0103 c\u0103 po\u021bi avea o reducere lunar\u0103 de 245 de lei pe toat\u0103 perioada creditului, adic\u0103 vei economisi 89.277 de lei, de dou\u0103 ori c\u00e2t diferen\u021ba pe care ai ad\u0103ugat-o la cei 15% pentru a ajunge la avansul de 25%. \u201eAcest exemplu este valabil pentru orice pre\u021b ar avea imobilul, precum \u0219i pentru creditul ipotecar cu dob\u00e2nd\u0103 variabil\u0103. Practic, \u00een momentul \u00een care dai un avans mai mare, \u00abinveste\u0219ti\u00bb de fapt banii de renovare, primindu-i \u00eenapoi aproape dublu, prin discount la rata lunar\u0103. Un efort \u00een prezent pentru un c\u00e2\u0219tig \u00een viitor\u201d, explic\u0103 reprezentan\u021bii b\u0103ncii. <\/p>\n<p><strong>Cite\u0219te \u0219i:<br \/>\n<a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/imoexpert\/ing-bank-revine-la-un-avans-minim-de-15-pentru-creditele-ipotecare-si-reduce-dobanda-pentru-cei-care-pot-plati-25-si-peste_db\/\">ING Bank revine la un avans minim de 15% pentru creditele ipotecare, dar \u0219i REDUCE dob\u00e2nda pentru cei care pot pl\u0103ti m\u0103car 25%<\/a><\/strong><\/p>\n<p><a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2020\/10\/sapte-idei-preconcepute-despre-creditele-ipotecare-inclusiv-prima-casa-2.jpg\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2020\/10\/sapte-idei-preconcepute-despre-creditele-ipotecare-inclusiv-prima-casa-2.jpg\" alt=\"\" width=\"800\" height=\"472\" class=\"aligncenter size-full wp-image-60796\" srcset=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2020\/10\/sapte-idei-preconcepute-despre-creditele-ipotecare-inclusiv-prima-casa-2.jpg 800w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2020\/10\/sapte-idei-preconcepute-despre-creditele-ipotecare-inclusiv-prima-casa-2-300x177.jpg 300w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2020\/10\/sapte-idei-preconcepute-despre-creditele-ipotecare-inclusiv-prima-casa-2-768x453.jpg 768w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"2_%E2%80%9EDureaza_mult_sa_primesti_creditul_indiferent_de_tipul_lui%E2%80%9D\"><\/span>2. \u201eDureaz\u0103 mult s\u0103 prime\u0219ti creditul, indiferent de tipul lui\u201d<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Creditul prin programul Noua Cas\u0103 vine cu multe avantaje, \u00eens\u0103 durata contract\u0103rii acestuia este mai mare comparativ cu un credit ipotecar standard. \u201ePerioada medie de acordare a unui credit ipotecar de la primul pas \u0219i p\u00e2n\u0103 la transferarea sumei c\u0103tre v\u00e2nz\u0103torul imobilului este de 37 de zile. \u00cen cazul Noua Cas\u0103, perioada medie este de 70 de zile. Durata mai mare este datorat\u0103 faptului c\u0103 exist\u0103 o a treia parte \u00een proces \u2013 FNGCIMM ca reprezentant al statului rom\u00e2n, iar dosarul este mai complex. \u00cens\u0103 acestea sunt termene medii. \u00cen situa\u021bia \u00een care apar dificult\u0103\u021bi \u00een proces, po\u021bi ajunge p\u00e2n\u0103 la 87 de zile \u00een cazul creditului ipotecar standard \u0219i 116 zile \u00een cazul Noua Cas\u0103\u201d, noteaz\u0103 oficialii ING. Ace\u0219tia recomand\u0103, \u00een acest context, \u00eencheierea unui antecontract de v\u00e2nzare-cump\u0103rare care s\u0103 prevad\u0103 un termen de minimum trei luni pentru finalizarea tranzac\u021biei de cump\u0103rare. <\/p>\n<h2><span class=\"ez-toc-section\" id=\"3_%E2%80%9ENu_conteaza_daca_dobanda_este_fixa_sau_variabila_Important_este_costul_pe_care_il_am_acum%E2%80%9D\"><\/span>3. \u201eNu conteaz\u0103 dac\u0103 dob\u00e2nda este fix\u0103 sau variabil\u0103. Important este costul pe care \u00eel am acum\u201d<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>O alt\u0103 tenta\u021bie \u00een momentul contract\u0103rii unui credit este cea de a privi mai degrab\u0103 la costurile imediate. Aceasta se aplic\u0103 \u0219i la modul de calcul al dob\u00e2nzii. Oficialii ING precizeaz\u0103 c\u0103, p\u00e2n\u0103 \u00een 2019, pentru majoritatea creditelor cu dob\u00e2nd\u0103 variabil\u0103 din Rom\u00e2nia acest indicator era format din indicele ROBOR la trei luni, plus marja fix\u0103 de dob\u00e2nd\u0103 a b\u0103ncii. Or, indicele ROBOR a fluctuat, \u00een ultimii zece ani, de la un minimum de 0,68% la un maximum de 15,6%. Asta \u00eenseamn\u0103 c\u0103, dac\u0103 dob\u00e2nda la un credit era ROBOR la trei luni plus o marj\u0103 de 3%, acesta putea trece de la o dob\u00e2nd\u0103 de 3,68% la 18,6%, ceea ce ducea la o rat\u0103 extrem de mare, av\u00e2nd \u00een vedere valoarea considerabil\u0103 a creditului luat. <\/p>\n<blockquote><p>\u201e\u00cencep\u00e2nd cu luna mai a anului 2019, toate creditele noi cu dob\u00e2nd\u0103 variabil\u0103 au \u00een component\u0103 IRCC + marja b\u0103ncii. Indicele de referin\u021b\u0103 pentru creditele consumatorilor (IRCC) se calculeaz\u0103 ca media aritmetic\u0103 a ratelor de dob\u00e2nd\u0103 zilnice ale tranzac\u021biilor interbancare. Indicii sunt publica\u021bi zilnic la ora 11:00 de c\u0103tre BNR, iar, la final de trimestru, se stabile\u0219te IRCC pentru trimestrul urm\u0103tor, av\u00e2nd \u00een vedere media trimestrului anterior.\u201d<\/p>\n<p><strong>ING Bank<\/strong><\/p><\/blockquote>\n<p>&nbsp;<\/p>\n<p>Ca reac\u021bii la aceste fluctua\u021bii \u0219i impredictibilitatea lor, au luat na\u0219tere creditele cu dob\u00e2nd\u0103 fix\u0103. Folosit\u0103 mai \u00eent\u00e2i de c\u0103tre b\u0103nci pentru creditele de nevoi personale, dob\u00e2nda fix\u0103 a fost introdus\u0103 apoi \u0219i la creditele ipotecare. Spre exemplu, la creditul ipotecar 7FIX de la ING vei avea o rat\u0103 fix\u0103 la creditul ipotecar timp de \u0219apte ani, urm\u00e2nd ca \u00een al optulea an s\u0103 treci la dob\u00e2nda variabil\u0103 calculat\u0103 pe baza IRCC \u0219i marja b\u0103ncii. \u201e\u00cen special \u00een perioade incerte, tendin\u021ba este de a te orienta c\u0103tre produse care \u00ee\u021bi ofer\u0103 stabilitate \u0219i predictibilitate. Iar o perioad\u0103 de \u0219apte ani \u00een care rata este una \u0219i aceea\u0219i lun\u0103 de lun\u0103 poate asigura aceste lucruri\u201d, puncteaz\u0103 reprezentan\u021bii b\u0103ncii. <\/p>\n<p><strong>Cite\u0219te \u0219i:<br \/>\n<a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/imoexpert\/anunturile-bancilor-lamuresc-situatia-cu-noua-casa-valoarea-maxima-a-finantarilor-este-de-fapt-mai-mica-decat-s-a-crezut-initial_db\/\">Anun\u021burile b\u0103ncilor l\u0103muresc situa\u021bia cu Noua Cas\u0103: valoarea maxim\u0103 a finan\u021b\u0103rilor este, de fapt, mai mic\u0103 dec\u00e2t s-a crezut ini\u021bial<\/a><\/strong><\/p>\n<h2><span class=\"ez-toc-section\" id=\"4_%E2%80%9ENu_iti_poti_vinde_locuinta_in_primii_cinci_ani%E2%80%9D\"><\/span>4. \u201eNu \u00ee\u021bi po\u021bi vinde locuin\u021ba \u00een primii cinci ani\u201d<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\u00cen func\u021bie de tipul de credit ipotecar pe care \u00eel iei, pot exista restric\u021bii \u00een ceea ce prive\u0219te chiria sau v\u00e2nzarea. \u00cen cazul Noua Cas\u0103, este adev\u0103rat c\u0103 imobilul nu poate fi v\u00e2ndut \u00een primii cinci ani, \u00eens\u0103 poate fi \u00eenchiriat. \u00cen ceea ce prive\u0219te creditul ipotecar standard, v\u00e2nzarea imobilului poate avea loc chiar \u0219i \u00een primii cinci ani, at\u00e2t timp c\u00e2t suma \u00eemprumutat\u0103 este rambursat\u0103 integral. \u0218i \u00een acest caz, locuin\u021ba poate fi \u00eenchiriat\u0103, \u00een anumite condi\u021bii \u2013 cum anume po\u021bi afla complet\u00e2nd o simpl\u0103 cerere la banc\u0103.<\/p>\n<p><a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2020\/10\/sapte-idei-preconcepute-despre-creditele-ipotecare-inclusiv-prima-casa.jpg\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2020\/10\/sapte-idei-preconcepute-despre-creditele-ipotecare-inclusiv-prima-casa.jpg\" alt=\"\" width=\"800\" height=\"497\" class=\"aligncenter size-full wp-image-60797\" srcset=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2020\/10\/sapte-idei-preconcepute-despre-creditele-ipotecare-inclusiv-prima-casa.jpg 800w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2020\/10\/sapte-idei-preconcepute-despre-creditele-ipotecare-inclusiv-prima-casa-300x186.jpg 300w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2020\/10\/sapte-idei-preconcepute-despre-creditele-ipotecare-inclusiv-prima-casa-768x477.jpg 768w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"5_%E2%80%9EEsti_taxat_daca_inchizi_creditul_in_avans%E2%80%9D\"><\/span>5. \u201eE\u0219ti taxat dac\u0103 \u00eenchizi creditul \u00een avans\u201d<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\u00cen cazul creditelor ipotecare, inclusiv cele luate prin programul Noua Cas\u0103, nu exist\u0103 comision de rambursare anticipat\u0103. Asta \u00eenseamn\u0103 c\u0103, dac\u0103 ai suma necesar\u0103 pentru a stinge creditul, po\u021bi face asta f\u0103r\u0103 nicio problem\u0103. Singurul cost suplimentar pe care \u00eel vei avea \u00eentr-o asemenea situa\u021bie va fi cel de \u0219tergere a ipotecii b\u0103ncii din cartea funciar\u0103 a imobilului, anume 90 lei pentru creditul ipotecar standard, respectiv 150 de lei pentru Prima Cas\u0103 sau Noua Cas\u0103 (\u00een cazul ING Bank Rom\u00e2nia). Astfel, dac\u0103 vrei s\u0103 \u00eemprumu\u021bi o sum\u0103 mai mare, te ajut\u0103 s\u0103 \u00eel iei ini\u021bial pe o perioad\u0103 \u00eendelungat\u0103 p\u00e2n\u0103 ce vei dispune de suma necesar\u0103 pentru a-l \u00eenchide. <\/p>\n<h2><span class=\"ez-toc-section\" id=\"6_%E2%80%9EBanca_la_care_sunt_client_de_ani_de_zile_imi_va_acorda_cele_mai_bune_conditii%E2%80%9D\"><\/span>6. \u201eBanca la care sunt client de ani de zile \u00eemi va acorda cele mai bune condi\u021bii\u201d<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Aceast\u0103 idee nu este neap\u0103rat valid\u0103. \u00cen momentul contract\u0103rii unui credit, este recomandat s\u0103 analizezi pia\u021ba \u0219i s\u0103 compari ofertele a cel pu\u021bin dou\u0103 b\u0103nci. \u201eFaptul c\u0103 e\u0219ti client la o banc\u0103 de foarte mult\u0103 vreme \u0219i \u00eencasezi salariul la aceasta nu ofer\u0103 certitudinea c\u0103 vei primi cele mai bune condi\u021bii pentru creditul ipotecar. Intr\u0103 pe website-urile b\u0103ncilor \u0219i folose\u0219te simulatoarele de credit pentru a-\u021bi face o idee privind avansul pe care trebuie s\u0103 \u00eel ai, c\u00e2t te cost\u0103 \u0219i ce documente trebuie s\u0103 ai la \u00eendem\u00e2n\u0103.\u201d, subliniaz\u0103 reprezentan\u021bii ING. Pentru a-\u021bi u\u0219ura cercetarea, o solu\u021bie este s\u0103 apelezi la un broker de credite \u2013 sau po\u021bi solicita pe website-urile b\u0103ncilor s\u0103 fii contactat de un consultant financiar. Dup\u0103 prima discu\u021bie cu un asemenea specialist, asigur\u0103-te c\u0103 \u00eel po\u021bi contacta cu eventuale nel\u0103muriri ulterioare. <\/p>\n<blockquote><p>\u201eOric\u00e2t de ridicole \u021bi-ar p\u0103rea \u00eentreb\u0103rile tale, s\u0103 nu \u00ee\u021bi fie jen\u0103 s\u0103 ceri toate informa\u021biile de care ai nevoie. Noteaz\u0103-le, cere descrierea produsului sau alte documente pe care le po\u021bi studia \u0219i singur dup\u0103 discu\u021bia cu acesta. Apoi, compar\u0103 ofertele primite trec\u00e2nd pe list\u0103 toate costurile. S\u0103 ai \u00een vedere faptul c\u0103, pe l\u00e2ng\u0103 achizi\u021bia casei, vei avea nevoie de finan\u021bare \u0219i pentru plata notarului \u0219i eventualele modific\u0103ri aduse locuin\u021bei. Dac\u0103 ai mers la b\u0103nci, cere FEIS (Fi\u0219a European\u0103 de Informa\u021bii Standardizate) \u2013 singurul document care reflect\u0103 oferta personalizat\u0103 \u00eentr-un fel comparabil, \u00eentre b\u0103nci.\u201d<\/p>\n<p><strong>ING Bank<\/strong><\/p><\/blockquote>\n<p>&nbsp;<\/p>\n<p><strong>Cite\u0219te \u0219i:<br \/>\n<a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/imoexpert\/anca-bidian-kiwi-finance-preturile-locuintelor-fata-cu-cererea-oferta-si-creditarea-inclusiv-pe-timp-de-pandemie_db\/\">Anca Bidian, Kiwi Finance: Pre\u021burile locuin\u021belor \u201efa\u021b\u0103 cu\u201d cererea, oferta \u0219i creditarea \u2013 inclusiv pe timp de pandemie!<\/a><\/strong><\/p>\n<h2><span class=\"ez-toc-section\" id=\"7_%E2%80%9EAsigurarea_de_viata_nu_e_necesara%E2%80%9D\"><\/span>7. \u201eAsigurarea de via\u021b\u0103 nu e necesar\u0103\u201d<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Potrivit datelor ING, 93% dintre clien\u021bii care iau un credit ipotecar opteaz\u0103 \u0219i pentru asigurare de via\u021b\u0103. Motivul este c\u0103 asigurarea de via\u021b\u0103 \u00ee\u021bi ofer\u0103 un dublu beneficiu. \u00cen primul r\u00e2nd, \u0219i cel mai important, aceasta ofer\u0103 protec\u021bie familiei \u00een cazul unui eveniment nefericit pe toat\u0103 durata creditului (creditele ipotecare fiind luate, de regul\u0103, pentru o perioad\u0103 \u00eendelungat\u0103, 25-30 de ani). \u201e\u00cen al doilea r\u00e2nd, faptul c\u0103 iei \u0219i o asigurare de via\u021b\u0103 \u00eempreun\u0103 cu creditul ipotecar \u00ee\u021bi ofer\u0103 o reducere 0,3% la dob\u00e2nd\u0103. Adic\u0103, dac\u0103 iei un credit pentru 63.750 de euro cu avans 15%, rata lunar\u0103 a creditului scade cu 59 de lei pentru a putea acomoda plata asigur\u0103rii de aproximativ aceea\u0219i valoare. Mai exact, dac\u0103 alegi s\u0103 nu iei asigurare de via\u021b\u0103, vei avea acela\u0219i cost doar c\u0103 nu vei beneficia de protec\u021bie\u201d, explic\u0103 reprezentan\u021bii institu\u021biei financiare.<\/p>\n<p><strong>Surs\u0103 foto: Pixabay.com<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>A contracta un \u00eemprumut cu cel mai mic avans posibil nu este, din punct de vedere financiar, cea mai bun\u0103 decizie. Te g\u00e2nde\u0219ti s\u0103-\u021bi cumperi o locuin\u021b\u0103? Pentru cei care nu dispun integral de bani ghea\u021b\u0103, a lua cea mai bun\u0103 decizie de cump\u0103rare implic\u0103 nu doar alegerea locuin\u021bei potrivite, ci \u0219i a unei variante [&hellip;]<\/p>\n","protected":false},"author":829,"featured_media":60810,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[263],"tags":[1347,1936,1410,1295,1411,451],"content_author":[],"class_list":["post-60794","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credite","tag-credite-ipotecare","tag-ing-bank","tag-newsletter","tag-noua-casa","tag-principal","tag-proprietar"],"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>ING Bank: 7 idei preconcepute despre creditele ipotecare \u2013 inclusiv Noua Cas\u0103! - Credite - ImoExpert<\/title>\n<meta name=\"description\" content=\"A contracta un \u00eemprumut cu cel mai mic avans posibil nu este, din punct de vedere financiar, cea mai bun\u0103 decizie. 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