{"id":65618,"date":"2022-10-11T13:00:28","date_gmt":"2022-10-11T10:00:28","guid":{"rendered":"https:\/\/www.imobiliare.ro\/imoexpert\/?p=65618"},"modified":"2022-10-11T13:00:28","modified_gmt":"2022-10-11T10:00:28","slug":"pasii-cumpararii-unui-imobil-prin-creditipotecar","status":"publish","type":"post","link":"https:\/\/www.imobiliare.ro\/imoexpert\/pasii-cumpararii-unui-imobil-prin-creditipotecar_db\/","title":{"rendered":"Pa\u0219ii cump\u0103r\u0103rii unui imobil prin 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-30-1-1024x576.png\" alt=\"\" class=\"wp-image-65624\" srcset=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2022\/10\/Untitled-design-30-1-1024x576.png 1024w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2022\/10\/Untitled-design-30-1-300x169.png 300w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2022\/10\/Untitled-design-30-1-768x432.png 768w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2022\/10\/Untitled-design-30-1-1536x864.png 1536w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2022\/10\/Untitled-design-30-1.png 1920w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n\n\n<p>Indiferent de intervalul de timp \u00een care dore\u0219ti s\u0103 achizi\u021bionezi un imobil, exist\u0103 c\u00e2teva lucruri pe care ar trebui s\u0103 le \u0219tii, \u00eenainte de a face acest pas. Procesul de cump\u0103rare a unei propriet\u0103\u021bi const\u0103 \u00een mai multe etape: trebuie s\u0103 cuno\u0219ti op\u021biunile de finan\u021bare, s\u0103 \u00ee\u021bi evaluezi situa\u021bia financiar\u0103, s\u0103 faci oferte, s\u0103 negociezi, s\u0103 optezi pentru evaluarea propriet\u0103\u021bii alese \u0219i multe alte etape. Iat\u0103 mai jos tot ce trebuie s\u0103 \u0219tii despre procesul de achizi\u021bionare a unui imobil prin intermediul unui <a class=\"article-body-links\"href=\"https:\/\/bit.ly\/3bmhC8d\">credit ipotecar<\/a>!<\/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-69e4b80139b9c\" 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-69e4b80139b9c\"  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\/pasii-cumpararii-unui-imobil-prin-creditipotecar_db\/#Documentarea_cu_privire_la_creditul_ipotecar\" >Documentarea cu privire la creditul ipotecar<\/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\/pasii-cumpararii-unui-imobil-prin-creditipotecar_db\/#Evalurea_situatiei_tale_financiare\" >Evalurea situa\u021biei tale financiare<\/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\/pasii-cumpararii-unui-imobil-prin-creditipotecar_db\/#Alegerea_tipului_de_credit_potrivit_nevoilor_tale\" >Alegerea tipului de credit potrivit nevoilor tale<\/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\/pasii-cumpararii-unui-imobil-prin-creditipotecar_db\/#Alegerea_tipului_de_dobanda\" >Alegerea tipului de dob\u00e2nd\u0103<\/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\/pasii-cumpararii-unui-imobil-prin-creditipotecar_db\/#Pregatirea_dosarului_de_creditare\" >Preg\u0103tirea dosarului de creditare<\/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\/pasii-cumpararii-unui-imobil-prin-creditipotecar_db\/#Gasirea_proprietatii_potrivite\" >G\u0103sirea propriet\u0103\u021bii potrivite<\/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\/pasii-cumpararii-unui-imobil-prin-creditipotecar_db\/#Semnarea_unui_antecontract\" >Semnarea unui antecontract<\/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\/pasii-cumpararii-unui-imobil-prin-creditipotecar_db\/#Evaluarea_imobilului\" >Evaluarea imobilului<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.imobiliare.ro\/imoexpert\/pasii-cumpararii-unui-imobil-prin-creditipotecar_db\/#Analiza_clauzelor_contractuale\" >Analiza clauzelor contractuale<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.imobiliare.ro\/imoexpert\/pasii-cumpararii-unui-imobil-prin-creditipotecar_db\/#Concluzie\" >Concluzie<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Documentarea_cu_privire_la_creditul_ipotecar\"><\/span>Documentarea cu privire la creditul ipotecar<strong><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u00cen situa\u021bia \u00een care e\u0219ti convins c\u0103 aceast\u0103 op\u021biune este cea mai potrivit\u0103 pentru tine, primul pas pe care trebuie s\u0103 \u00eel faci este documentarea cu privire la creditele ipotecare existente \u00een acel moment \u00een pia\u021b\u0103. \u00cen timpul acestei etape trebuie s\u0103 iei \u00een considerare \u0219i condi\u021biile actuale ale pie\u021bei, dar \u0219i tendin\u021bele. Pentru a-\u021bi facilita procesul, po\u021bi folosi <a class=\"article-body-links\"href=\"https:\/\/bit.ly\/3bmhC8d\">comparatorul de credite Imobiliare.ro<\/a>.&nbsp;<\/p>\n\n\n\n<p>Cu toate acestea, dac\u0103 nu dispui de foarte mult timp, po\u021bi apela gratuit la serviciile unui <a class=\"article-body-links\"href=\"https:\/\/bit.ly\/3bmhC8d\">broker de credit<\/a>.&nbsp; Acest specialist te va ajuta s\u0103 g\u0103se\u0219ti cele mai bune rate ale dob\u00e2nzii \u0219i te va sus\u021bine \u00een cadrul \u00eentregului proces, p\u00e2n\u0103 vei ob\u021bine creditul.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Evalurea_situatiei_tale_financiare\"><\/span>Evalurea situa\u021biei tale financiare<strong><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Eligibilitatea ob\u021binerii unui credit presupune capacitatea de a beneficia de un \u00eemprumut de la o institu\u021bie financiar\u0103. Venitul \u0219i v\u00e2rsta nu sunt singurele criterii prin care aceasta poate fi determinat\u0103. Eligibilitatea \u021bine cont \u0219i de alte criterii, precum detaliile privind vechimea \u00een munc\u0103, ratele creditelor curente, tipul de \u00eemprumut dorit, durata acestuia, scorul FICO \u0219i valoarea de pia\u021b\u0103 a propriet\u0103\u021bii. Afl\u0103 mai multe detalii despre fiecare punct \u00een parte acces\u00e2nd acest<a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/imoexpert\/cum-poti-afla-daca-te-califici-sau-nu-pentru-un-credit-ipotecar\/\"> articol<\/a>.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2022\/10\/Untitled-design-31-1024x576.png\" alt=\"\" class=\"wp-image-65620\" srcset=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2022\/10\/Untitled-design-31-1024x576.png 1024w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2022\/10\/Untitled-design-31-300x169.png 300w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2022\/10\/Untitled-design-31-768x432.png 768w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2022\/10\/Untitled-design-31-1536x864.png 1536w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2022\/10\/Untitled-design-31.png 1920w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Alegerea_tipului_de_credit_potrivit_nevoilor_tale\"><\/span>Alegerea tipului de credit potrivit nevoilor tale<strong><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u00cen situa\u021bia \u00een care de\u021bii cea mai mare parte din suma necesar\u0103 achizi\u021biei \u0219i \u00ee\u021bi dore\u0219ti contractarea rapid\u0103 a unui credit, exist\u0103 posibilitatea ca varianta cea mai potrivit\u0103 pentru tine s\u0103 fie un credit de nevoi personale.&nbsp;<\/p>\n\n\n\n<p>Dac\u0103 veniturile tale sunt \u00een euro, poate c\u0103 \u00ee\u021bi dore\u0219ti un credit ipotecar \u00een aceast\u0103 valut\u0103. Poate c\u0103 nu dispui de banii necesari pentru avans, \u00eens\u0103 po\u021bi aduce o alt\u0103 locuin\u021b\u0103 drept garan\u021bie, iar \u00een aceast\u0103 situa\u021bie ai putea accesa un credit ipotecar f\u0103r\u0103 avans.&nbsp;<\/p>\n\n\n\n<p>Deoarece suntem diferi\u021bi, nu exist\u0103 o op\u021biune ideal\u0103 de creditare pentru fiecare persoan\u0103 \u00een parte. A\u0219adar, \u021bine cont de aceste aspect atunci c\u00e2nd alegi tipul de credit. Pe de alt\u0103 parte, este recomandat s\u0103 apelezi la un <a class=\"article-body-links\"href=\"https:\/\/bit.ly\/3bmhC8d\">broker de credit<\/a> deoarece acesta de\u021bine cuno\u0219tin\u021bele \u0219i experien\u021ba necesar\u0103 pentru a stabili \u00eempreun\u0103 cu tine cea mai potrivit\u0103 variant\u0103 de creditare.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Alegerea_tipului_de_dobanda\"><\/span>Alegerea tipului de dob\u00e2nd\u0103<strong><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Atunci c\u00e2nd vine vorba despre dob\u00e2nd\u0103, po\u021bi alege dintre dou\u0103 op\u021biuni: dob\u00e2nd\u0103 fix\u0103 sau variabil\u0103. Indiferent de op\u021biunea ta, ambele scenarii reprezint\u0103 at\u00e2t avantaje, c\u00e2t \u0219i dezavantaje. Astfel, una dintre cele mai \u00eent\u00e2lnite tipuri de dob\u00e2nzi pentru un credit ipotecar este cea fix\u0103. Dup\u0103 cum spune \u0219i numele, aceasta r\u0103m\u00e2ne fix\u0103 pe \u00eentreaga perioad\u0103 de creditare. Pe de alt\u0103 parte, dob\u00e2nda variabil\u0103 \u021bine cont de evolu\u021bia pie\u021bei financiare, aceasta fiind influen\u021bat\u0103 de indicele ROBOR sau ICRR.<\/p>\n\n\n\n<p>Indicele ROBOR, calculat zilnic de c\u0103tre BNR reprezint\u0103 o medie a ratelor dob\u00e2nzilor oferite de c\u0103tre finan\u021batori. Acesta poate fi influen\u021bat de mai mul\u021bi factori, cel mai important fiind infla\u021bia. A\u0219adar, acest indice afecteaz\u0103 creditele \u00een lei.<\/p>\n\n\n\n<p>Indicele IRCC se refer\u0103 la creditele cu dob\u00e2nd\u0103 variabil\u0103, realizate de c\u0103tre persoanele fizice. Diferen\u021ba dintre cei doi indici const\u0103 \u00een faptul c\u0103 ROBOR este direct propor\u021biomal de ratele dob\u00e2nzilor oferite de c\u0103tre finan\u021batori, pe c\u00e2nd indicele IRCC trimestrial este rezultatul dintre media arimetic\u0103 a ratelor dob\u00e2nzilor zilnice \u0219i volumul tranzac\u021biilor de pe pia\u021ba monetar\u0103 interbancar\u0103.&nbsp;<\/p>\n\n\n\n<p>\u00cen momentul de fa\u021b\u0103, IRCC se men\u021bine la o valoare mult mai mic\u0103, spre deosebire de ROBOR.&nbsp; Cu toate acestea, este important s\u0103 iei \u00een considerare faptul c\u0103 evolu\u021bia celor doi indici IRCC \u0219i ROBOR este corelat\u0103, \u00eens\u0103 \u00een cazul IRCC apare o \u00eent\u00e2rziere de p\u00e2n\u0103 la 6 luni, ceea ce poate duce la diferen\u021be mai mari.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2022\/10\/Untitled-design-32-1024x576.png\" alt=\"\" class=\"wp-image-65621\" srcset=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2022\/10\/Untitled-design-32-1024x576.png 1024w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2022\/10\/Untitled-design-32-300x169.png 300w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2022\/10\/Untitled-design-32-768x432.png 768w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2022\/10\/Untitled-design-32-1536x864.png 1536w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2022\/10\/Untitled-design-32.png 1920w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Pregatirea_dosarului_de_creditare\"><\/span>Preg\u0103tirea dosarului de creditare<strong><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Deoarece uneori dosarul de credit necesit\u0103 acte specifice, acest lucru poate duce la \u00eent\u00e2rzieri de depunere. \u00cens\u0103, daca te decizi s\u0103 colaborezi cu un<a class=\"article-body-links\"href=\"https:\/\/bit.ly\/3bmhC8d\"> broker de credit<\/a>, acesta te va sf\u0103tui \u0219i \u00ee\u021bi va spune de la \u00eenceput de ce acte vei avea nevoie, iar procesul va decurge rapid, f\u0103r\u0103 situa\u021bii nea\u0219teptate. \u00centocmirea dosarului de credit de c\u0103tre broker este un serviciu gratuit. Pentru ob\u021binerea unui credit ipotecar vei avea nevoie de urm\u0103toarele acte: copia actului de identitate, adeverin\u021ba de salariat \u0219i documente legate de alte carduri de credit sau credite.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Gasirea_proprietatii_potrivite\"><\/span>G\u0103sirea propriet\u0103\u021bii potrivite<strong><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u00cenainte de a ajunge la acest punct, cel mai probabil deja \u0219tii ce \u00ee\u021bi dore\u0219ti de la viitorul t\u0103u <a class=\"article-body-links\"href=\"https:\/\/bit.ly\/3xu5DNt\">ACAS\u0102<\/a>. Cu toate acestea, cel mai dificil pas va fi s\u0103 alegi o singur\u0103 proprietate, pe baza cerin\u021belor tale.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Semnarea_unui_antecontract\"><\/span>Semnarea unui antecontract<strong><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Acest act de v\u00e2nzare-cump\u0103rare se va semna \u00eenainte de v\u00e2nzarea propriu-zis\u0103 a imobilului. Pe scurt, este vorba despre o promisiune prin care v\u00e2nz\u0103torul se oblig\u0103 la v\u00e2nzarea imobilului c\u0103tre tine, iar tu te obligi c\u0103 \u00eel vei achizi\u021biona. Este important ca acest act s\u0103 fie autentificat de c\u0103tre un notar public.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2022\/10\/Untitled-design-33-1024x576.png\" alt=\"\" class=\"wp-image-65622\" srcset=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2022\/10\/Untitled-design-33-1024x576.png 1024w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2022\/10\/Untitled-design-33-300x169.png 300w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2022\/10\/Untitled-design-33-768x432.png 768w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2022\/10\/Untitled-design-33-1536x864.png 1536w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2022\/10\/Untitled-design-33.png 1920w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Evaluarea_imobilului\"><\/span>Evaluarea imobilului<strong><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Dac\u0103 evaluarea propriet\u0103\u021bii este semnificativ mai mic\u0103 dec\u00e2t pre\u021bul de cump\u0103rare, raportul credit-valoare poate fi mai mare dec\u00e2t cel care poate fi aprobat legal de c\u0103tre institu\u021biile financiare.<\/p>\n\n\n\n<p>\u00cen cazul \u00een care pre\u021bul de cump\u0103rare este mai mare dec\u00e2t valoarea caselor din zona respectiv\u0103, po\u021bi renegocia cu proprietarul. Dac\u0103 dispui de mai multe mijloace financiare, po\u021bi pl\u0103ti un avans mai mare c\u0103tre institu\u021biile financiare, ceea ce \u00eenseamn\u0103 c\u0103 va trebui s\u0103 accep\u021bi o sum\u0103 mai mic\u0103 a \u00eemprumutului.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Analiza_clauzelor_contractuale\"><\/span>Analiza clauzelor contractuale<strong><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u00cen aceast\u0103 etap\u0103, trebuie s\u0103 acorzi aten\u021bie componentelor tehnice specifice condi\u021biilor de finan\u021bare. Apel\u00e2nd la un <a class=\"article-body-links\"href=\"https:\/\/bit.ly\/3xu5DNt\">broker de credit<\/a>, acesta \u00ee\u021bi va explica semnifica\u021bia juridic\u0103 a prevederilor contractuale pentru o mai bun\u0103 \u00een\u021belegere a drepturilor \u0219i obliga\u021biilor.<\/p>\n\n\n\n<p>Urm\u0103rirea evolu\u021biei dosarului de credit<strong><\/strong><\/p>\n\n\n\n<p>\u00cen ultimul pas, vei urm\u0103ri evolu\u021bia aprob\u0103rii dosarului de credit \u0219i vei interveni punctual p\u00e2n\u0103 la solu\u021bia final\u0103.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Concluzie\"><\/span>Concluzie<strong><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Achizi\u021bionarea unei propriet\u0103\u021bi va fi una dintre cele mai importante tranzac\u021bii din via\u021ba ta. Informeaz\u0103-te \u00een timp util \u0219i fii atent \u00een fiecare etap\u0103 a \u00eentregului proces. Dac\u0103 dore\u0219ti s\u0103 beneficiezi de un credit ipotecar \u00eentr-un timp c\u00e2t mai scurt, solu\u021bia ideal\u0103 pentru tine poate fi apelarea la un broker de credite. Un astfel de specialist te va ajuta s\u0103 g\u0103se\u0219ti cele mai bune rate ale dob\u00e2nzii \u0219i te va sus\u021bine constant, p\u00e2n\u0103 vei ob\u021bine creditul. Serviciul este complet <strong>gratuit<\/strong>.<\/p>\n\n\n\n<p><a class=\"article-body-links\"href=\"https:\/\/bit.ly\/3xu5DNt\"><strong>&nbsp;Solicit\u0103 o \u00eent\u00e2lnire<\/strong><\/a> cu un broker de credite direct pe Imobiliare.ro!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Indiferent de intervalul de timp \u00een care dore\u0219ti s\u0103 achizi\u021bionezi un imobil, exist\u0103 c\u00e2teva lucruri pe care ar trebui s\u0103 le \u0219tii, \u00eenainte de a face acest pas. Procesul de cump\u0103rare a unei propriet\u0103\u021bi const\u0103 \u00een mai multe etape: trebuie s\u0103 cuno\u0219ti op\u021biunile de finan\u021bare, s\u0103 \u00ee\u021bi evaluezi situa\u021bia financiar\u0103, s\u0103 faci oferte, s\u0103 negociezi, [&hellip;]<\/p>\n","protected":false},"author":842160,"featured_media":65619,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[263,259],"tags":[],"content_author":[],"class_list":["post-65618","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credite","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>Pa\u0219ii cump\u0103r\u0103rii unui imobil prin credit ipotecar - Credite, \u0218tiri - ImoExpert<\/title>\n<meta name=\"description\" content=\"Indiferent de intervalul de timp \u00een care dore\u0219ti s\u0103 achizi\u021bionezi un imobil, exist\u0103 c\u00e2teva lucruri pe care ar trebui s\u0103 le \u0219tii, \u00eenainte de a face acest\" \/>\n<meta name=\"robots\" content=\"index, follow\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.imobiliare.ro\/imoexpert\/pasii-cumpararii-unui-imobil-prin-creditipotecar_db\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Pa\u0219ii cump\u0103r\u0103rii unui imobil prin credit ipotecar\" \/>\n<meta property=\"og:description\" content=\"Indiferent de intervalul de timp \u00een care dore\u0219ti s\u0103 achizi\u021bionezi un imobil, exist\u0103 c\u00e2teva lucruri pe care ar trebui s\u0103 le \u0219tii, \u00eenainte de a face acest\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.imobiliare.ro\/imoexpert\/pasii-cumpararii-unui-imobil-prin-creditipotecar_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=\"2022-10-11T10:00:28+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2022\/10\/Untitled-design-30-1024x576.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=\"7 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.imobiliare.ro\/imoexpert\/pasii-cumpararii-unui-imobil-prin-creditipotecar_db\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.imobiliare.ro\/imoexpert\/pasii-cumpararii-unui-imobil-prin-creditipotecar_db\/\"},\"author\":{\"name\":\"Alexandra Manolache\",\"@id\":\"https:\/\/www.imobiliare.ro\/imoexpert\/#\/schema\/person\/f3350e4786cf9f97888b908d7a00105c\"},\"headline\":\"Pa\u0219ii cump\u0103r\u0103rii unui imobil prin credit ipotecar\",\"datePublished\":\"2022-10-11T10:00:28+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.imobiliare.ro\/imoexpert\/pasii-cumpararii-unui-imobil-prin-creditipotecar_db\/\"},\"wordCount\":1254,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.imobiliare.ro\/imoexpert\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.imobiliare.ro\/imoexpert\/pasii-cumpararii-unui-imobil-prin-creditipotecar_db\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2022\/10\/Untitled-design-30.png\",\"articleSection\":[\"Credite\",\"\u0218tiri\"],\"inLanguage\":\"en\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.imobiliare.ro\/imoexpert\/pasii-cumpararii-unui-imobil-prin-creditipotecar_db\/#respond\"]}],\"copyrightYear\":\"2022\",\"copyrightHolder\":{\"@id\":\"https:\/\/www.imobiliare.ro\/imoexpert\/#organization\"}},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.imobiliare.ro\/imoexpert\/pasii-cumpararii-unui-imobil-prin-creditipotecar_db\/\",\"url\":\"https:\/\/www.imobiliare.ro\/imoexpert\/pasii-cumpararii-unui-imobil-prin-creditipotecar_db\/\",\"name\":\"Pa\u0219ii cump\u0103r\u0103rii unui imobil prin credit ipotecar - 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