{"id":65805,"date":"2022-11-25T12:39:23","date_gmt":"2022-11-25T10:39:23","guid":{"rendered":"https:\/\/www.imobiliare.ro\/imoexpert\/?p=65805"},"modified":"2022-11-25T12:39:23","modified_gmt":"2022-11-25T10:39:23","slug":"ce-reprezinta-gradul-de-indatorare-si-cum-il-calculezi","status":"publish","type":"post","link":"https:\/\/www.imobiliare.ro\/imoexpert\/ce-reprezinta-gradul-de-indatorare-si-cum-il-calculezi_db\/","title":{"rendered":"Ce reprezint\u0103 gradul de \u00eendatorare \u0219i cum \u00eel calculezi?"},"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-4-1024x580.png\" alt=\"\" class=\"wp-image-65806\" srcset=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2022\/11\/1060x600_cover-4-1024x580.png 1024w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2022\/11\/1060x600_cover-4-300x170.png 300w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2022\/11\/1060x600_cover-4-768x435.png 768w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2022\/11\/1060x600_cover-4.png 1060w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n\n\n<p>Atunci c\u00e2nd dore\u0219ti s\u0103 cumperi o cas\u0103, este important s\u0103 te familiarizezi cu raportul datorie-venit (DTI). Dac\u0103 dispui de datorii generoase raportate la venitul t\u0103u, atunci po\u021bi \u00eent\u00e2mpina probleme privind ob\u021binerea unui credit 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-69def92611ded\" 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-69def92611ded\"  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-reprezinta-gradul-de-indatorare-si-cum-il-calculezi_db\/#Ce_este_raportul_datorie-venit\" >Ce este raportul datorie-venit?<\/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-reprezinta-gradul-de-indatorare-si-cum-il-calculezi_db\/#Cum_poti_reduce_raportul_datorie-venit\" >Cum po\u021bi reduce raportul datorie-venit?<\/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-reprezinta-gradul-de-indatorare-si-cum-il-calculezi_db\/#Achita_datoriile_cele_mai_mici\" >Achit\u0103 datoriile cele mai mici<\/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-reprezinta-gradul-de-indatorare-si-cum-il-calculezi_db\/#Obtine_mai_multe_surse_de_venit\" >Ob\u021bine mai multe surse de venit<\/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-reprezinta-gradul-de-indatorare-si-cum-il-calculezi_db\/#Concluzie\" >Concluzie<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Ce_este_raportul_datorie-venit\"><\/span>Ce este raportul datorie-venit?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Indicatorul datorie-venit reprezint\u0103 suma datoriei pe care o ai \u00een raport cu venitul. \u00cen cazul \u00een care costurile pentru locuin\u021b\u0103, \u00eemprumuturile pentru ma\u0219in\u0103 \u0219i alte datorii privind creditele de nevoi personale ajung p\u00e2n\u0103 la 2.500 lei pe lun\u0103 \u00een total \u0219i ai un venit net lunar de 5.000 lei, raportul datorie-venit va fi de 2.500\/5.000 sau 50%.<\/p>\n\n\n\n<p>Pentru a te califica pentru un credit ipotecar, raportul t\u0103u datorie-venit este recomandat s\u0103 fie p\u00e2n\u0103 la 40%, de\u0219i pot exista unele excep\u021bii. Creditorii mai mici \u00ee\u021bi pot permite un \u00eemprumut peste aceast\u0103 limit\u0103, \u00een timp ce creditorii cunoscu\u021bi au reguli mai stricte \u0219i pot limita rata DTI la 36%. \u00cen cazul \u00een care ai prea multe datorii, va trebui fie s\u0103 cumperi o cas\u0103 mai ieftin\u0103 cu un credit ipotecar mai mic, fie s\u0103 depui un efort suplimentar pentru a pl\u0103ti o bun\u0103 parte dintre datorii \u00eenainte de a contracta un credit ipotecar.<\/p>\n\n\n\n<p><strong>Dac\u0103 nu ai contractat \u00eenc\u0103 un credit, \u00eens\u0103 dore\u0219ti s\u0103 simulezi un scenariu de credit standard, folose\u0219te<\/strong><a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/credite-ipotecare\"><strong> <\/strong><strong>instrumentul Imobiliare.ro<\/strong><\/a><strong>.<\/strong><\/p>\n\n\n\n<p>Pentru a calcula DTI, adun\u0103 toate datoriile lunare, apoi \u00eemparte-le la venitul t\u0103u total brut. Iat\u0103 c\u00e2teva situa\u021bii:<\/p>\n\n\n\n<p>1. Adun\u0103 pl\u0103\u021bile tale lunare minime<\/p>\n\n\n\n<p>Singurele pl\u0103\u021bi lunare pe care ar trebui s\u0103 le incluzi \u00een calculul DTI sunt cele&nbsp; obligatorii \u0219i recurente. Nu uita s\u0103 utilizezi pl\u0103\u021bile minime, nu soldul contului sau suma pe care o pl\u0103te\u0219ti de obicei. De exemplu, dac\u0103 ai un credit de nevoi personale de 10.000 RON, cu o plat\u0103 lunar\u0103 minim\u0103 de 200 RON, ar trebui s\u0103 incluzi doar plata minim\u0103 de 200 RON atunci c\u00e2nd calculezi DTI.<\/p>\n\n\n\n<p>C\u00e2teva exemple de datorii care sunt de obicei incluse \u00een DTI:<\/p>\n\n\n\n<p>\u00b7 &nbsp; &nbsp; Plata lunar\u0103 a ipotecii<\/p>\n\n\n\n<p>\u00b7 &nbsp; &nbsp; &nbsp; Pl\u0103\u021bi pentru \u00eemprumuturi auto<\/p>\n\n\n\n<p>\u00b7 &nbsp; &nbsp; &nbsp; Minimul de plata aferent limitei cardurilor de credit sau descoperitului de cont.<\/p>\n\n\n\n<p>\u00b7 &nbsp; &nbsp; &nbsp; Ratele creditelor de nevoi personale<\/p>\n\n\n\n<p>Anumite cheltuieli ar trebui s\u0103 nu fie incluse \u00een calculul pl\u0103\u021bii minime lunare:<\/p>\n\n\n\n<p>\u00b7 &nbsp; &nbsp; &nbsp; Costurile utilit\u0103\u021bilor<\/p>\n\n\n\n<p>\u00b7 &nbsp; &nbsp; &nbsp; Costuri de transport<\/p>\n\n\n\n<p>\u00b7 &nbsp; &nbsp; &nbsp; Contribu\u021bii la contul de economii<\/p>\n\n\n\n<p>\u00b7 &nbsp; &nbsp; &nbsp; Costuri de divertisment, m\u00e2ncare \u0219i \u00eembr\u0103c\u0103minte<\/p>\n\n\n\n<p>2. \u00cemparte pl\u0103\u021bile lunare la venitul t\u0103u lunar net<\/p>\n\n\n\n<p>Venitul lunar net este suma total\u0103 a venitului t\u0103u \u00eenainte de impozitare. Odat\u0103 ce ai determinat venitul lunar net total \u00eemparte totalul pl\u0103\u021bilor minime lunare la venitul lunar net.&nbsp;<\/p>\n\n\n\n<p>3. Converte\u0219te rezultatul \u00eentr-un procent<\/p>\n\n\n\n<p>Coeficientul rezultat va consta \u00eentr-o zecimal\u0103. Pentru a vedea procentul DTI, \u00eenmul\u021be\u0219te-l cu 100.&nbsp;<\/p>\n\n\n\n<p>&nbsp;Pentru a ob\u021bine mai multe informa\u021bii cu privire la costurile asociate unui credit ipotecar, po\u021bi apela cu \u00eencredere la<a class=\"article-body-links\"href=\"https:\/\/bit.ly\/3bmhC8d\"> expertiza unui broker de credite<\/a>. Cu ajutorul unui astfel de specialist, vei putea g\u0103si <strong><em>gratuit <\/em><\/strong>solu\u021bia de refinan\u021bare ideal\u0103 pentru obiectivele tale financiare.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Cum_poti_reduce_raportul_datorie-venit\"><\/span>Cum po\u021bi reduce raportul datorie-venit?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Dac\u0103 DTI-ul t\u0103u este mare, exist\u0103 c\u00e2teva strategii pe care le po\u021bi utiliza pentru a reduce acest indicator \u00eenainte de a solicita creditul ipotecar.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Achita_datoriile_cele_mai_mici\"><\/span>Achit\u0103 datoriile cele mai mici<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Cea mai rapid\u0103 modalitate de a reduce raportul datorie-venit este eliminarea pl\u0103\u021bilor lunare. Dac\u0103 po\u021bi realiza acest lucru, pl\u0103te\u0219te integral cea mai mic\u0103 datorie restant\u0103.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Obtine_mai_multe_surse_de_venit\"><\/span>Ob\u021bine mai multe surse de venit<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Dac\u0103 timpul \u0219i energia \u00ee\u021bi permit, po\u021bi presta activit\u0103\u021bi de freelancing, din domeniul t\u0103u. Re\u021bine totu\u0219i c\u0103 va fi necesar s\u0103 dovede\u0219ti c\u0103 venitul t\u0103u este regulat \u0219i de lung\u0103 durat\u0103. \u00cen general, creditorilor le place s\u0103 vad\u0103 un istoric de 2 ani pentru fiecare surs\u0103 de venit.<\/p>\n\n\n\n<p>Refinan\u021b\u0103ri<\/p>\n\n\n\n<p>Po\u021bi refinan\u021ba creditele active \u0219i po\u021bi sc\u0103dea ratele prin cre\u0219terea perioadelor, sau po\u021bi str\u00e2nge mai multe credite \u00eentr-unul singur cu rata totala mai mic\u0103 dec\u00e2t suma ratelor creditelor refinan\u021bate.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Concluzie\"><\/span>Concluzie<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>E\u0219ti decis cu privire la contractarea unui credit ipotecar? Apeleaz\u0103 cu \u00eencredere la serviciile unui broker de credite! 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.<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 \u0219i te vei bucura de o rela\u021bie bazat\u0103 pe \u00eencredere \u0219i respect reciproc.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Atunci c\u00e2nd dore\u0219ti s\u0103 cumperi o cas\u0103, este important s\u0103 te familiarizezi cu raportul datorie-venit (DTI). Dac\u0103 dispui de datorii generoase raportate la venitul t\u0103u, atunci po\u021bi \u00eent\u00e2mpina probleme privind ob\u021binerea unui credit ipotecar. Ce este raportul datorie-venit? Indicatorul datorie-venit reprezint\u0103 suma datoriei pe care o ai \u00een raport cu venitul. \u00cen cazul \u00een care [&hellip;]<\/p>\n","protected":false},"author":842160,"featured_media":65806,"comment_status":"open","ping_status":"open","sticky":true,"template":"","format":"standard","meta":{"footnotes":""},"categories":[263,259],"tags":[],"content_author":[],"class_list":["post-65805","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 reprezint\u0103 gradul de \u00eendatorare \u0219i cum \u00eel calculezi? - Credite, \u0218tiri - ImoExpert<\/title>\n<meta name=\"description\" content=\"Atunci c\u00e2nd dore\u0219ti s\u0103 cumperi o cas\u0103, este important s\u0103 te familiarizezi cu raportul datorie-venit (DTI). 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