{"id":65770,"date":"2022-11-14T13:42:55","date_gmt":"2022-11-14T11:42:55","guid":{"rendered":"https:\/\/www.imobiliare.ro\/imoexpert\/?p=65770"},"modified":"2022-11-14T13:42:55","modified_gmt":"2022-11-14T11:42:55","slug":"ce-trebuie-sa-stii-despre-dobanda-anuala-efectiva","status":"publish","type":"post","link":"https:\/\/www.imobiliare.ro\/imoexpert\/ce-trebuie-sa-stii-despre-dobanda-anuala-efectiva_db\/","title":{"rendered":"Ce trebuie s\u0103 \u0219tii despre dob\u00e2nda anual\u0103 efectiv\u0103?"},"content":{"rendered":"<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"580\" src=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2022\/11\/1060x600_cover-2-1024x580.png\" alt=\"\" class=\"wp-image-65771\" srcset=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2022\/11\/1060x600_cover-2-1024x580.png 1024w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2022\/11\/1060x600_cover-2-300x170.png 300w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2022\/11\/1060x600_cover-2-768x435.png 768w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2022\/11\/1060x600_cover-2.png 1060w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n\n\n<p>Dob\u00e2nda anual\u0103 efectiv\u0103 (DAE) reflect\u0103 rentabilitatea real\u0103 a unei investi\u021bii \u0219i valoarea sa, \u00een urma costurilor totale, precum dob\u00e2nda, comisioanele \u0219i suma \u00eemprumutat\u0103. O cunoa\u0219tere mai aprofundat\u0103 a modului \u00een care func\u021bioneaz\u0103 DAE \u0219i a metodei de calcul a acesteia te poate ajuta s\u0103 compari diferite tipuri de credite, astfel \u00eenc\u00e2t s\u0103 alegi acea op\u021biune care \u00ee\u021bi va permite s\u0103 te bucuri de o rat\u0103 mai mic\u0103.&nbsp;<\/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-69eb3c81210cc\" 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-69eb3c81210cc\"  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\/ce-trebuie-sa-stii-despre-dobanda-anuala-efectiva_db\/#Ce_NU_include_dobanda_anuala_efectiva\" >Ce NU include dob\u00e2nda anual\u0103 efectiv\u0103?<\/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\/ce-trebuie-sa-stii-despre-dobanda-anuala-efectiva_db\/#Cum_se_calculeaza_DAE\" >Cum se calculeaz\u0103 DAE?<\/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\/ce-trebuie-sa-stii-despre-dobanda-anuala-efectiva_db\/#Cine_reglementeaza_metoda_de_calcul_DAE\" >Cine reglementeaz\u0103 metoda de calcul DAE?&nbsp;<\/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\/ce-trebuie-sa-stii-despre-dobanda-anuala-efectiva_db\/#Cum_te_poate_ajuta_calculul_indicatorului_DAE\" >Cum te poate ajuta calculul indicatorului DAE?<\/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\/ce-trebuie-sa-stii-despre-dobanda-anuala-efectiva_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=\"Ce_NU_include_dobanda_anuala_efectiva\"><\/span>Ce NU include dob\u00e2nda anual\u0103 efectiv\u0103?<strong><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u00cen metoda de calcul a dob\u00e2nzii anuale efective nu se iau \u00een considerare costurile notariale, primele de asigurare, costurile altor garan\u021bii, costurile pentru evaluarea imobilelor, costurile pentru comisioanele generate de \u00eent\u00e2rzieri ale pl\u0103\u021bilor sau alte tipuri de comisioane pentru anumite servicii la cerere.&nbsp;<\/p>\n\n\n\n<p><strong>Dac\u0103 nu dispui de foarte mult timp, po\u021bi apela gratuit la serviciile unui <\/strong><a class=\"article-body-links\"href=\"https:\/\/bit.ly\/3bmhC8d\"><strong>broker de credit<\/strong><\/a><strong>.&nbsp; Acest specialist te va ajuta s\u0103 g\u0103se\u0219ti cele mai bune dob\u00e2nzi anuale efective \u0219i te va sus\u021bine \u00een cadrul \u00eentregului proces, p\u00e2n\u0103 vei ob\u021bine creditul.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Cum_se_calculeaza_DAE\"><\/span>Cum se calculeaz\u0103 DAE?<strong><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Atunci c\u00e2nd se calculeaz\u0103 acest indicator se iau \u00een considerare taxele \u0219i comisioanele percepute de institu\u021biile financiare pentru acordarea creditelor, ad\u0103ug\u00e2nd la acestea \u0219i rata dob\u00e2nzii anuale. Pe m\u0103sur\u0103 ce perioada de rambursare este mai mare, valoarea DAE va fi mai mic\u0103. Pe de alt\u0103 parte, dac\u0103 dore\u0219ti s\u0103 beneficiezi de un credit cu o valoare mai mic\u0103, pe o perioad\u0103 de timp mai scurt\u0103, valoarea sa poate fi sim\u021bitor mai mare.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Cine_reglementeaza_metoda_de_calcul_DAE\"><\/span>Cine reglementeaz\u0103 metoda de calcul DAE?&nbsp;<strong><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Indicatorul este reglementat at\u00e2t la nivel na\u021bional, c\u00e2t \u0219i la nivel european. \u00cen Rom\u00e2nia, DAE a fost reglementat\u0103 pentru prima dat\u0103 \u00een 2005, prin Legea nr. 289\/2004, care a intrat \u00een vigoare \u00eencep\u00e2nd de la 6 ianuarie 2005. \u00cen 20 iunie 2010 a fost abrogat\u0103 \u0219i \u00eenlocuit\u0103 prin Decretul de urgen\u021b\u0103 nr. 50\/2010. \u00cen ceea ce prive\u0219te legile europene, DAE este reglementat\u0103 prin Directiva 2014\/17\/UE, a Parlamentului \u0219i a Consiliului European.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Cum_te_poate_ajuta_calculul_indicatorului_DAE\"><\/span>Cum te poate ajuta calculul indicatorului DAE?<strong><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Deoarece fiecare institu\u021bie financiar\u0103 percepe propriile comisioane \u0219i dob\u00e2nzi, calculul acestei valori unice procentuale, care reprezint\u0103 toate costurile generate de un credit, te poate ajuta s\u0103 verifici rapid ofertele de creditare, oferindu-\u021bi posibilitatea s\u0103 alegi cea mai avantajoas\u0103 variant\u0103 pentru tine. Po\u021bi g\u0103si aceast\u0103 informa\u021bie at\u00e2t \u00een ofertele de creditare ale fiec\u0103rei b\u0103nci, c\u00e2t \u0219i \u00een contractul de credit.&nbsp;<\/p>\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?<strong><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><a class=\"article-body-links\"href=\"https:\/\/bit.ly\/3bmhC8d\"><strong>Solicit\u0103 o \u00eent\u00e2lnire<\/strong><\/a><strong> 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.<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Dob\u00e2nda anual\u0103 efectiv\u0103 (DAE) reflect\u0103 rentabilitatea real\u0103 a unei investi\u021bii \u0219i valoarea sa, \u00een urma costurilor totale, precum dob\u00e2nda, comisioanele \u0219i suma \u00eemprumutat\u0103. O cunoa\u0219tere mai aprofundat\u0103 a modului \u00een care func\u021bioneaz\u0103 DAE \u0219i a metodei de calcul a acesteia te poate ajuta s\u0103 compari diferite tipuri de credite, astfel \u00eenc\u00e2t s\u0103 alegi acea op\u021biune [&hellip;]<\/p>\n","protected":false},"author":842160,"featured_media":65771,"comment_status":"open","ping_status":"open","sticky":true,"template":"","format":"standard","meta":{"footnotes":""},"categories":[263,259],"tags":[],"content_author":[],"class_list":["post-65770","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>Ce este DAE (Dobanda Anuala Efectiva) si cum se calculeaza?<\/title>\n<meta name=\"description\" content=\"Afl\u0103 ce este DAE (Dob\u00e2nda Anual\u0103 Efectiv\u0103), cum este 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