{"id":65696,"date":"2022-10-28T13:24:38","date_gmt":"2022-10-28T10:24:38","guid":{"rendered":"https:\/\/www.imobiliare.ro\/imoexpert\/?p=65696"},"modified":"2022-10-28T13:24:38","modified_gmt":"2022-10-28T10:24:38","slug":"de-ce-sa-iei-in-calcul-o-simulare-de-credit","status":"publish","type":"post","link":"https:\/\/www.imobiliare.ro\/imoexpert\/de-ce-sa-iei-in-calcul-o-simulare-de-credit_db\/","title":{"rendered":"De ce s\u0103 iei \u00een calcul o simulare de credit?"},"content":{"rendered":"\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-42-1024x576.png\" alt=\"\" class=\"wp-image-65697\" srcset=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2022\/10\/Untitled-design-42-1024x576.png 1024w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2022\/10\/Untitled-design-42-300x169.png 300w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2022\/10\/Untitled-design-42-768x432.png 768w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2022\/10\/Untitled-design-42.png 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption>Simulare de credit Imobiliare.ro<\/figcaption><\/figure>\n\n\n\n<p>Cu ajutorul unei <a class=\"article-body-links\"href=\"https:\/\/bit.ly\/3bmhC8d\">simul\u0103ri de credit<\/a>, vei dispune de o imagine real\u0103 asupra ceea ce \u00ee\u021bi po\u021bi permite atunci c\u00e2nd vine vorba despre un credit ipotecar. Acest instrument te poate ajuta \u0219i la estimarea modalit\u0103\u021bilor prin care diferitele decizii financiare te pot ajuta sau \u00ee\u021bi pot afecta scorul FICO (cu c\u00e2t scorul t\u0103u este mai mic, cu at\u00e2t mai reduse sunt \u0219ansele de a primi creditul dorit).<\/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-69e4b80145b6b\" 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-69e4b80145b6b\"  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-sa-iei-in-calcul-o-simulare-de-credit_db\/#Cand_apelezi_la_o_simulare_de_credit\" >C\u00e2nd apelezi la o simulare de credit?<\/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-sa-iei-in-calcul-o-simulare-de-credit_db\/#Unde_poti_realiza_o_astfel_de_simulare\" >Unde po\u021bi realiza o astfel de simulare?<\/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-sa-iei-in-calcul-o-simulare-de-credit_db\/#Discuta_gratuit_cu_un_broker_de_credite\" >Discut\u0103 gratuit cu un broker de credite\u00ad\u00ad<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Cand_apelezi_la_o_simulare_de_credit\"><\/span>C\u00e2nd apelezi la o simulare de credit?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Este recomandat s\u0103 apelezi la o simulare de credit \u00een urm\u0103toarele cazuri:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Te \u00eentrebi ce efect are avansul de care dispui asupra ratelor lunare&nbsp;<\/li><li>Nu cuno\u0219ti intervalele de pre\u021b \u00een care ar trebui s\u0103 se \u00eencadreze casa dorit\u0103 astfel \u00eenc\u00e2t s\u0103 po\u021bi beneficia de un credit ipotecar<\/li><li>Te \u00eentrebi pe ce perioad\u0103 de timp ar fi mai rentabil s\u0103 \u00eenchei creditul<\/li><\/ul>\n\n\n\n<p>\u021aine cont de faptul c\u0103 <a class=\"article-body-links\"href=\"https:\/\/bit.ly\/3bmhC8d\">simul\u0103rile de credit<\/a> \u0219i scorurile FICO sunt la fel de individuale precum sunt amprentele digitale. Aceea\u0219i ac\u021biune financiar\u0103 poate avea efecte diferite asupra scorurilor diferitelor persoane, \u00een func\u021bie de datele specifice din rapoartele lor de credit.<\/p>\n\n\n\n<p>Astfel, o simulare \u00ee\u021bi ofer\u0103 o idee cu privire la ce s\u0103 te a\u0219tep\u021bi \u00eenainte de a realiza o ac\u021biune. Po\u021bi g\u0103si simulatoare de credit pe majoritatea site-urilor web care ofer\u0103 solu\u021bii de creditare. Cu toate acestea, <a class=\"article-body-links\"href=\"http:\/\/imobiliare.ro\">Imobiliare.ro<\/a> \u00ee\u021bi ofer\u0103 un astfel de instrument complet gratuit. Pentru a beneficia de acesta, tot ce trebuie s\u0103 faci este s\u0103 accesezi pagina cu<a class=\"article-body-links\"href=\"https:\/\/bit.ly\/3bmhC8d\"> solu\u021biile de finan\u021bare Imobiliare.ro<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Unde_poti_realiza_o_astfel_de_simulare\"><\/span>Unde po\u021bi realiza o astfel de simulare?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Pentru a ob\u021bine o imagine real\u0103 a situa\u021biei tale de creditare, introdu avansul de care dispui, suma dorit\u0103 pentru creditare \u0219i perioada de timp dorit\u0103. \u00cen urma analizei, vei primi instant o simulare a valorii ratei lunare, la cea mai bun\u0103 rata a dob\u00e2nzii.<\/p>\n\n\n\n<p>Re\u021bine c\u0103 o astfel de simulare nu afecteaz\u0103 scorul FICO, a\u0219a c\u0103 po\u021bi \u00eencerca mai multe scenarii de creditare, pentru a vedea care variant\u0103 este mai potrivit\u0103 pentru situa\u021bia ta.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Discuta_gratuit_cu_un_broker_de_credite\"><\/span>Discut\u0103 gratuit cu un broker de credite\u00ad\u00ad<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Cu toate acestea, \u021bine cont de faptul c\u0103 instrumentul este doar o simulare, care nu ia \u00een considerare to\u021bi factorii ce influen\u021beaz\u0103 scorul FICO. Te invit\u0103m la o discu\u021bie cu un <a class=\"article-body-links\"href=\"https:\/\/bit.ly\/3bmhC8d\">broker de credit Imobiliare.ro<\/a> pentru a vedea dac\u0103 te \u00eencadrezi \u00een criteriile de eligibilitate pentru ob\u021binerea unui credit ipotecar.&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Cu ajutorul unei simul\u0103ri de credit, vei dispune de o imagine real\u0103 asupra ceea ce \u00ee\u021bi po\u021bi permite atunci c\u00e2nd vine vorba despre un credit ipotecar. Acest instrument te poate ajuta \u0219i la estimarea modalit\u0103\u021bilor prin care diferitele decizii financiare te pot ajuta sau \u00ee\u021bi pot afecta scorul FICO (cu c\u00e2t scorul t\u0103u este mai [&hellip;]<\/p>\n","protected":false},"author":842160,"featured_media":65697,"comment_status":"open","ping_status":"open","sticky":true,"template":"","format":"standard","meta":{"footnotes":""},"categories":[263,268,264],"tags":[],"content_author":[],"class_list":["post-65696","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credite","category-cumparatori","category-ghid-imobiliar"],"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 s\u0103 iei \u00een calcul o simulare de credit? - Credite, Cump\u0103r\u0103tori, Sfaturi ImoExpert<\/title>\n<meta name=\"description\" content=\"Cu ajutorul unei simul\u0103ri de credit, vei dispune de o imagine real\u0103 asupra ceea ce \u00ee\u021bi po\u021bi permite atunci c\u00e2nd vine vorba despre un credit ipotecar.\" \/>\n<meta name=\"robots\" content=\"index, follow\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.imobiliare.ro\/imoexpert\/de-ce-sa-iei-in-calcul-o-simulare-de-credit_db\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"De ce s\u0103 iei \u00een calcul o simulare de credit?\" \/>\n<meta property=\"og:description\" content=\"Cu ajutorul unei simul\u0103ri de credit, vei dispune de o imagine real\u0103 asupra ceea ce \u00ee\u021bi po\u021bi permite atunci c\u00e2nd vine vorba despre un credit ipotecar.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.imobiliare.ro\/imoexpert\/de-ce-sa-iei-in-calcul-o-simulare-de-credit_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=\"2022-10-28T10:24:38+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2022\/10\/Untitled-design-42.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"675\" \/>\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=\"3 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.imobiliare.ro\/imoexpert\/de-ce-sa-iei-in-calcul-o-simulare-de-credit_db\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.imobiliare.ro\/imoexpert\/de-ce-sa-iei-in-calcul-o-simulare-de-credit_db\/\"},\"author\":{\"name\":\"Alexandra Manolache\",\"@id\":\"https:\/\/www.imobiliare.ro\/imoexpert\/#\/schema\/person\/f3350e4786cf9f97888b908d7a00105c\"},\"headline\":\"De ce s\u0103 iei \u00een calcul o simulare de credit?\",\"datePublished\":\"2022-10-28T10:24:38+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.imobiliare.ro\/imoexpert\/de-ce-sa-iei-in-calcul-o-simulare-de-credit_db\/\"},\"wordCount\":436,\"commentCount\":1,\"publisher\":{\"@id\":\"https:\/\/www.imobiliare.ro\/imoexpert\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.imobiliare.ro\/imoexpert\/de-ce-sa-iei-in-calcul-o-simulare-de-credit_db\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2022\/10\/Untitled-design-42.png\",\"articleSection\":[\"Credite\",\"Cump\u0103r\u0103tori\",\"Sfaturi\"],\"inLanguage\":\"en\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.imobiliare.ro\/imoexpert\/de-ce-sa-iei-in-calcul-o-simulare-de-credit_db\/#respond\"]}],\"copyrightYear\":\"2022\",\"copyrightHolder\":{\"@id\":\"https:\/\/www.imobiliare.ro\/imoexpert\/#organization\"}},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.imobiliare.ro\/imoexpert\/de-ce-sa-iei-in-calcul-o-simulare-de-credit_db\/\",\"url\":\"https:\/\/www.imobiliare.ro\/imoexpert\/de-ce-sa-iei-in-calcul-o-simulare-de-credit_db\/\",\"name\":\"De ce s\u0103 iei \u00een calcul o simulare de credit? 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