{"id":65514,"date":"2023-01-19T11:16:55","date_gmt":"2023-01-19T09:16:55","guid":{"rendered":"https:\/\/www.imobiliare.ro\/imoexpert\/?p=65514"},"modified":"2023-01-19T11:16:55","modified_gmt":"2023-01-19T09:16:55","slug":"de-ce-trebuie-sa-treci-prin-etapa-de-precalificare-2","status":"publish","type":"post","link":"https:\/\/www.imobiliare.ro\/imoexpert\/de-ce-trebuie-sa-treci-prin-etapa-de-precalificare-2_db\/","title":{"rendered":"De ce trebuie s\u0103 treci prin etapa de precalificare?"},"content":{"rendered":"\n<p>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.<\/p>\n\n\n\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-69d16e1e4fb39\" 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-69d16e1e4fb39\"  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\/de-ce-trebuie-sa-treci-prin-etapa-de-precalificare-2_db\/#Care_este_diferenta_dintre_precalificarea_creditului_ipotecar_si_preaprobarea\" >Care este diferen\u021ba dintre precalificarea creditului ipotecar \u0219i preaprobarea?<\/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\/de-ce-trebuie-sa-treci-prin-etapa-de-precalificare-2_db\/#Cum_te_poti_precalifica_pentru_un_credit_ipotecar\" >Cum te po\u021bi precalifica pentru un credit ipotecar?<\/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\/de-ce-trebuie-sa-treci-prin-etapa-de-precalificare-2_db\/#Care_este_avantajul_principal_in_precalificarea_pentru_un_credit_ipotecar\" >Care este avantajul principal \u00een precalificarea pentru un credit ipotecar?<\/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\/de-ce-trebuie-sa-treci-prin-etapa-de-precalificare-2_db\/#Cu_cat_timp_inainte_de_achizitie_trebuie_sa_fii_precalificat_pentru_un_credit_ipotecar\" >Cu c\u00e2t timp \u00eenainte de achizi\u021bie trebuie s\u0103 fii precalificat pentru un credit ipotecar?<\/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\/de-ce-trebuie-sa-treci-prin-etapa-de-precalificare-2_db\/#Cat_dureaza_o_preaprobare_pentru_un_credit_ipotecar\" >C\u00e2t dureaz\u0103 o preaprobare pentru un credit ipotecar?<\/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\/de-ce-trebuie-sa-treci-prin-etapa-de-precalificare-2_db\/#Obtineti_precalificarea_cu_Imobiliarero\" >Ob\u021bine\u021bi precalificarea cu Imobiliare.ro!<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Care_este_diferenta_dintre_precalificarea_creditului_ipotecar_si_preaprobarea\"><\/span>Care este diferen\u021ba dintre precalificarea creditului ipotecar \u0219i preaprobarea?<strong><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>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.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Cum_te_poti_precalifica_pentru_un_credit_ipotecar\"><\/span>Cum te po\u021bi precalifica pentru un credit ipotecar?<strong><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Dac\u0103 dore\u0219ti s\u0103 te precalifici pentru un credit ipotecar, creditorii vor avea nevoie s\u0103 le furnizezi urm\u0103toarele informa\u021bii:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Sursa de venit<\/li><li>Vechimea \u00een munc\u0103<\/li><li>Datorii existente&nbsp;<\/li><li>Avansul de care dispui<\/li><\/ul>\n\n\n\n<p>Astfel, \u00een cazul \u00een care solici\u021bi aprobarea prealabil\u0103, va fi necesar s\u0103 demonstrezi vechimea \u00een munc\u0103 \u0219i s\u0103 oferi declara\u021bii fiscale, istoricul de credit, facturi restante (dac\u0103 exist\u0103), extrase de cont \u0219i alte documente financiare.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Care_este_avantajul_principal_in_precalificarea_pentru_un_credit_ipotecar\"><\/span>Care este avantajul principal \u00een precalificarea pentru un credit ipotecar?<strong><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>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.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Cu_cat_timp_inainte_de_achizitie_trebuie_sa_fii_precalificat_pentru_un_credit_ipotecar\"><\/span>Cu c\u00e2t timp \u00eenainte de achizi\u021bie trebuie s\u0103 fii precalificat pentru un credit ipotecar?<strong><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>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.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Cat_dureaza_o_preaprobare_pentru_un_credit_ipotecar\"><\/span>C\u00e2t dureaz\u0103 o preaprobare pentru un credit ipotecar?<strong><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>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!<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Obtineti_precalificarea_cu_Imobiliarero\"><\/span>Ob\u021bine\u021bi precalificarea cu Imobiliare.ro!<strong><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Dac\u0103 dore\u0219ti s\u0103 simulezi un scenariu de credit standard, folose\u0219te <a class=\"article-body-links\"href=\"https:\/\/bit.ly\/3bmhC8d\">instrumentul Imobiliare.ro<\/a>. \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.<\/p>\n\n\n\n<p><a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/finantare-prin-broker-de-credite-ipotecare-cu-comision-zero\">Solicit\u0103 o \u00eent\u00e2lnire<\/a> cu unul dintre brokerii Imobiliare.ro \u0219i te vei bucura de o rela\u021bie bazat\u0103 pe \u00eencredere \u0219i respect reciproc.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>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. Care este diferen\u021ba dintre precalificarea creditului ipotecar \u0219i preaprobarea? Precalificarea se bazeaz\u0103 pe informa\u021bii financiare pe care creditorul nu le verific\u0103, [&hellip;]<\/p>\n","protected":false},"author":842160,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[],"tags":[],"content_author":[],"class_list":["post-65514","post","type-post","status-publish","format-standard","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. Cu toate\" \/>\n<meta name=\"robots\" content=\"index, follow\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.imobiliare.ro\/imoexpert\/de-ce-trebuie-sa-treci-prin-etapa-de-precalificare-2_db\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"De ce trebuie s\u0103 treci prin etapa de precalificare?\" \/>\n<meta property=\"og: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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