{"id":65597,"date":"2022-10-03T11:41:26","date_gmt":"2022-10-03T08:41:26","guid":{"rendered":"https:\/\/www.imobiliare.ro\/imoexpert\/?p=65597"},"modified":"2022-10-03T11:41:26","modified_gmt":"2022-10-03T08:41:26","slug":"cat-iti-poti-permite-sa-platesti-lunar-pentru-un-credit-ipotecar","status":"publish","type":"post","link":"https:\/\/www.imobiliare.ro\/imoexpert\/cat-iti-poti-permite-sa-platesti-lunar-pentru-un-credit-ipotecar_db\/","title":{"rendered":"C\u00e2t \u00ee\u021bi po\u021bi permite s\u0103 pl\u0103te\u0219ti lunar pentru un credit ipotecar?"},"content":{"rendered":"<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2022\/10\/Untitled-design-21-1-1024x576.png\" alt=\"\" class=\"wp-image-65600\" srcset=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2022\/10\/Untitled-design-21-1-1024x576.png 1024w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2022\/10\/Untitled-design-21-1-300x169.png 300w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2022\/10\/Untitled-design-21-1-768x432.png 768w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2022\/10\/Untitled-design-21-1-1536x864.png 1536w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2022\/10\/Untitled-design-21-1.png 1920w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n\n\n<p>Achizi\u021bionarea unei case este una dintre cele mai importante decizii pe care le vei face \u00eentr-o via\u021b\u0103, drept urmare poate fi un proces foarte emo\u021bional. Cu toate acestea, \u00ee\u021bi po\u021bi controla emo\u021biile atunci c\u00e2nd e\u0219ti informat \u0219i iei decizii ra\u021bionale. Astfel, primul pas \u00een achizi\u021bionarea casei ideale este s\u0103 \u00een\u021belegi c\u00e2t \u00ee\u021bi po\u021bi permite s\u0103 pl\u0103te\u0219ti pentru un credit ipotecar.<\/p>\n\n\n\n<p>Cunosc\u00e2nd venitul total al gospod\u0103riei, c\u00e2t ai economisit pentru avans \u0219i cheltuielile lunare (pl\u0103\u021bile cu ma\u0219ina, cheltuielile de trai, ratele, etc.), plus alte cheltuieli pe care va trebui s\u0103 le achi\u021bi (taxe pe proprietate, utilit\u0103\u021bi), po\u021bi ob\u021bine o estimare rezonabil\u0103. Parcurge articolul pentru a afla mai multe despre factorii care \u00ee\u021bi pot afecta accesibilitatea creditului ipotecar.<\/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-69e9ea9ac2b8a\" 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-69e9ea9ac2b8a\"  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\/cat-iti-poti-permite-sa-platesti-lunar-pentru-un-credit-ipotecar_db\/#Cum_sa_calculezi_cat_iti_permiti_sa_platesti_lunar\" >Cum s\u0103 calculezi c\u00e2t \u00ee\u021bi permi\u021bi s\u0103 pl\u0103te\u0219ti lunar?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.imobiliare.ro\/imoexpert\/cat-iti-poti-permite-sa-platesti-lunar-pentru-un-credit-ipotecar_db\/#1_Calculeaza_25_din_salariul_tau_net\" >1. Calculeaz\u0103 25% din salariul t\u0103u net<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.imobiliare.ro\/imoexpert\/cat-iti-poti-permite-sa-platesti-lunar-pentru-un-credit-ipotecar_db\/#2_Foloseste_calculatorul_de_credit_ipotecar_Imobiliarero_pentru_a_determina_bugetul_de_care_dispui\" >2. Folose\u0219te calculatorul de credit ipotecar Imobiliare.ro pentru a determina bugetul de care dispui<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.imobiliare.ro\/imoexpert\/cat-iti-poti-permite-sa-platesti-lunar-pentru-un-credit-ipotecar_db\/#_3_Ia_in_considerare_costurile_asociate_proprietatii\" >&nbsp;3. Ia \u00een considerare costurile asociate propriet\u0103\u021bii<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.imobiliare.ro\/imoexpert\/cat-iti-poti-permite-sa-platesti-lunar-pentru-un-credit-ipotecar_db\/#4_Economiseste_un_avans_mai_mare\" >4. Economise\u0219te un avans mai mare<\/a><\/li><\/ul><\/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\/cat-iti-poti-permite-sa-platesti-lunar-pentru-un-credit-ipotecar_db\/#Care_sunt_semnalele_care_iti_indica_faptul_ca_inca_nu_esti_pregatit_sa_achizitionezi_o_proprietate_prin_credit\" >Care sunt semnalele care \u00ee\u021bi indic\u0103 faptul c\u0103 \u00eenc\u0103 nu e\u0219ti preg\u0103tit s\u0103 achizi\u021bionezi o proprietate prin credit?<\/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\/cat-iti-poti-permite-sa-platesti-lunar-pentru-un-credit-ipotecar_db\/#Cum_pot_afla_ce_optiune_de_credit_ipotecar_este_cea_mai_potrivita_pentru_tine\" >Cum pot afla ce op\u021biune de credit ipotecar este cea mai potrivit\u0103 pentru tine?<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Cum_sa_calculezi_cat_iti_permiti_sa_platesti_lunar\"><\/span>Cum s\u0103 calculezi c\u00e2t \u00ee\u021bi permi\u021bi s\u0103 pl\u0103te\u0219ti lunar?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Pentru a afla c\u00e2t \u00ee\u021bi po\u021bi permite, trebuie s\u0103 faci c\u00e2teva calcule. Dac\u0103 nu vrei s\u0103 depui prea mult efort, las\u0103-te \u00een seama <a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/credite-ipotecare\">noastr\u0103<\/a>. Astfel, pentru a calcula cuantumul creditului pe care \u021bi-l po\u021bi permite, ia \u00een considerare urm\u0103torii pa\u0219i:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1_Calculeaza_25_din_salariul_tau_net\"><\/span>1. Calculeaz\u0103 25% din salariul t\u0103u net<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>De\u0219i gradul de \u00eendatorare maxim permis de b\u0103nci este de maxim 40%, pentru a calcula c\u00e2t \u00ee\u021bi po\u021bi permite s\u0103 pl\u0103te\u0219ti lunar, utilizeaz\u0103 regula de 25%: nu cheltui niciodat\u0103 mai mult de 25% din salariul lunar (net) pe ratele ipotecare. Respectarea acestei reguli te fere\u0219te de situa\u021bia \u00een care te angajezi la un credit mult prea mare pentru resursele tale financiare. Viitorul t\u0103u acas\u0103 trebuie s\u0103 fie o binecuv\u00e2ntare, nu un blestem.<\/p>\n\n\n\n<p>S\u0103 presupunem c\u0103 ai venituri nete de 5.000 lei pe lun\u0103. Conform regulii de 25%, asta \u00eenseamn\u0103 c\u0103 rata lunar\u0103 nu trebuie s\u0103 dep\u0103\u0219easc\u0103 1.250 lei. P\u0103streaz\u0103 aceast\u0103 propor\u021bie \u0219i te vei bucura de un buget mult mai relaxat, care \u00ee\u021bi va putea permite \u0219i \u00eendeplinirea altor obiective financiare.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2_Foloseste_calculatorul_de_credit_ipotecar_Imobiliarero_pentru_a_determina_bugetul_de_care_dispui\"><\/span>2. Folose\u0219te calculatorul de credit ipotecar Imobiliare.ro pentru a determina bugetul de care dispui<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Desigur, ai putea s\u0103 calculezi de unul singur, \u00eemp\u0103r\u021bind pre\u021bul unei case la 180 de luni (adic\u0103 un credit ipotecar pe 15 ani) \u0219i apoi s\u0103 \u00eenmul\u021be\u0219ti soldul lunar r\u0103mas cu rata dob\u00e2nzii. Dar po\u021bi economi timp \u0219i efort, apel\u00e2nd la un <a class=\"article-body-links\"href=\"https:\/\/bit.ly\/3bmhC8d\">instrument gratuit<\/a> \u0219i u\u0219or de folosit.&nbsp;&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"_3_Ia_in_considerare_costurile_asociate_proprietatii\"><\/span>&nbsp;3. Ia \u00een considerare costurile asociate propriet\u0103\u021bii<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u021aine cont de faptul c\u0103 o proprietate va avea nevoie \u0219i de repara\u021bii, \u00eentre\u021binere sau poate chiar moderniz\u0103ri (de exemplu, o redecorare a buc\u0103t\u0103riei te poate costa peste 5.000\u20ac). Cu toate acestea, fondul de urgen\u021b\u0103 poate acoperi dezastrele majore.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"4_Economiseste_un_avans_mai_mare\"><\/span>4. Economise\u0219te un avans mai mare<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Avansul are un impact mare asupra sumei oferite pentru creditare de c\u0103tre institu\u021biile financiare. Cu c\u00e2t depui mai mul\u021bi bani, cu at\u00e2t va trebui s\u0103 \u00eemprumu\u021bi mai pu\u021bini bani. Acest lucru \u00eenseamn\u0103 pl\u0103\u021bi lunare ipotecare mai mici \u0219i un termen mai rapid pentru achitarea creditului.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Care_sunt_semnalele_care_iti_indica_faptul_ca_inca_nu_esti_pregatit_sa_achizitionezi_o_proprietate_prin_credit\"><\/span>Care sunt semnalele care \u00ee\u021bi indic\u0103 faptul c\u0103 \u00eenc\u0103 nu e\u0219ti preg\u0103tit s\u0103 achizi\u021bionezi o proprietate prin credit?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\"><li>Ai foarte multe datorii<\/li><li>Nu dispui de un fond de urgen\u021b\u0103 care \u00ee\u021bi poate acoperi p\u00e2n\u0103 la 3-6 luni de cheltuieli<\/li><li>Nu dispui de un avans de 15% sau mai mult<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Cum_pot_afla_ce_optiune_de_credit_ipotecar_este_cea_mai_potrivita_pentru_tine\"><\/span>Cum pot afla ce op\u021biune de credit ipotecar este cea mai potrivit\u0103 pentru tine?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><a class=\"article-body-links\"href=\"https:\/\/bit.ly\/3bmhC8d\">Solicit\u0103 o \u00eent\u00e2lnire<\/a> cu unul dintre brokerii de credite disponibili pe Imobiliare.ro pentru a colabora gratuit cu un specialist. Acesta este un serviciu gratuit, care nu prevede costuri ascunse \u0219i prin care po\u021bi ob\u021bine solu\u021bia optima de creditare potrivit\u0103 nevoilor tale.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Achizi\u021bionarea unei case este una dintre cele mai importante decizii pe care le vei face \u00eentr-o via\u021b\u0103, drept urmare poate fi un proces foarte emo\u021bional. Cu toate acestea, \u00ee\u021bi po\u021bi controla emo\u021biile atunci c\u00e2nd e\u0219ti informat \u0219i iei decizii ra\u021bionale. Astfel, primul pas \u00een achizi\u021bionarea casei ideale este s\u0103 \u00een\u021belegi c\u00e2t \u00ee\u021bi po\u021bi permite s\u0103 [&hellip;]<\/p>\n","protected":false},"author":842160,"featured_media":65598,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[263,268,259],"tags":[],"content_author":[],"class_list":["post-65597","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credite","category-cumparatori","category-stiri"],"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>C\u00e2t \u00ee\u021bi po\u021bi permite s\u0103 pl\u0103te\u0219ti lunar pentru un credit ipotecar? - Credite, Cump\u0103r\u0103tori, \u0218tiri ImoExpert<\/title>\n<meta name=\"description\" content=\"Achizi\u021bionarea unei case este una dintre cele mai importante decizii pe care le vei face \u00eentr-o via\u021b\u0103, drept urmare poate fi un proces foarte emo\u021bional.\" \/>\n<meta name=\"robots\" content=\"index, follow\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.imobiliare.ro\/imoexpert\/cat-iti-poti-permite-sa-platesti-lunar-pentru-un-credit-ipotecar_db\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"C\u00e2t \u00ee\u021bi po\u021bi permite s\u0103 pl\u0103te\u0219ti lunar pentru un credit ipotecar?\" \/>\n<meta property=\"og:description\" content=\"Achizi\u021bionarea unei case este una dintre cele mai importante decizii pe care le vei face \u00eentr-o via\u021b\u0103, drept urmare poate fi un proces foarte emo\u021bional.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.imobiliare.ro\/imoexpert\/cat-iti-poti-permite-sa-platesti-lunar-pentru-un-credit-ipotecar_db\/\" \/>\n<meta property=\"og:site_name\" content=\"ImoExpert\" \/>\n<meta property=\"article:author\" content=\"https:\/\/www.facebook.com\/AlexandraGabita\" \/>\n<meta property=\"article:published_time\" content=\"2022-10-03T08:41:26+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2022\/10\/Untitled-design-21-1024x576.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1024\" \/>\n\t<meta property=\"og:image:height\" content=\"576\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Alexandra Manolache\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Alexandra Manolache\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.imobiliare.ro\/imoexpert\/cat-iti-poti-permite-sa-platesti-lunar-pentru-un-credit-ipotecar_db\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.imobiliare.ro\/imoexpert\/cat-iti-poti-permite-sa-platesti-lunar-pentru-un-credit-ipotecar_db\/\"},\"author\":{\"name\":\"Alexandra Manolache\",\"@id\":\"https:\/\/www.imobiliare.ro\/imoexpert\/#\/schema\/person\/f3350e4786cf9f97888b908d7a00105c\"},\"headline\":\"C\u00e2t \u00ee\u021bi po\u021bi permite s\u0103 pl\u0103te\u0219ti lunar pentru un credit ipotecar?\",\"datePublished\":\"2022-10-03T08:41:26+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.imobiliare.ro\/imoexpert\/cat-iti-poti-permite-sa-platesti-lunar-pentru-un-credit-ipotecar_db\/\"},\"wordCount\":643,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.imobiliare.ro\/imoexpert\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.imobiliare.ro\/imoexpert\/cat-iti-poti-permite-sa-platesti-lunar-pentru-un-credit-ipotecar_db\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2022\/10\/Untitled-design-21.png\",\"articleSection\":[\"Credite\",\"Cump\u0103r\u0103tori\",\"\u0218tiri\"],\"inLanguage\":\"en\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.imobiliare.ro\/imoexpert\/cat-iti-poti-permite-sa-platesti-lunar-pentru-un-credit-ipotecar_db\/#respond\"]}],\"copyrightYear\":\"2022\",\"copyrightHolder\":{\"@id\":\"https:\/\/www.imobiliare.ro\/imoexpert\/#organization\"}},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.imobiliare.ro\/imoexpert\/cat-iti-poti-permite-sa-platesti-lunar-pentru-un-credit-ipotecar_db\/\",\"url\":\"https:\/\/www.imobiliare.ro\/imoexpert\/cat-iti-poti-permite-sa-platesti-lunar-pentru-un-credit-ipotecar_db\/\",\"name\":\"C\u00e2t \u00ee\u021bi po\u021bi permite s\u0103 pl\u0103te\u0219ti lunar pentru un credit ipotecar? 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