{"id":66039,"date":"2023-02-13T11:22:34","date_gmt":"2023-02-13T09:22:34","guid":{"rendered":"https:\/\/www.imobiliare.ro\/imoexpert\/?p=66039"},"modified":"2023-02-13T11:22:34","modified_gmt":"2023-02-13T09:22:34","slug":"care-sunt-conditiile-pentru-a-putea-accesa-un-credit-imobiliar","status":"publish","type":"post","link":"https:\/\/www.imobiliare.ro\/imoexpert\/care-sunt-conditiile-pentru-a-putea-accesa-un-credit-imobiliar_db\/","title":{"rendered":"Care sunt condi\u021biile pentru a putea accesa un credit imobiliar?"},"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\/2023\/02\/Avantgarden-3-1024x576.png\" alt=\"\" class=\"wp-image-66040\" srcset=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2023\/02\/Avantgarden-3-1024x576.png 1024w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2023\/02\/Avantgarden-3-300x169.png 300w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2023\/02\/Avantgarden-3-768x432.png 768w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2023\/02\/Avantgarden-3.png 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n\n\n<p>Pentru a-\u021bi putea face o imagine c\u00e2t mai realist\u0103 asupra puterii tale reale de cump\u0103rare, condi\u021biile pentru contractarea unui credit ipotecar sau imobiliar ar trebui s\u0103 fie cunoscute de c\u0103tre tine chiar \u00eenainte de \u00eenceperea c\u0103ut\u0103rii propriu-zise. Urm\u0103re\u0219te cu aten\u021bie criteriile de eligibilitate \u0219i afl\u0103 mai multe detalii despre fiecare aspect \u00een parte.<\/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-69e1b2bd5f69f\" 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-69e1b2bd5f69f\"  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\/care-sunt-conditiile-pentru-a-putea-accesa-un-credit-imobiliar_db\/#Cetatenia_romana\" >Cet\u0103\u021benia rom\u00e2n\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\/care-sunt-conditiile-pentru-a-putea-accesa-un-credit-imobiliar_db\/#Dovada_avansului\" >Dovada avansului&nbsp;<\/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\/care-sunt-conditiile-pentru-a-putea-accesa-un-credit-imobiliar_db\/#Dovada_existentei_unor_venituri_stabile_care_sa_acopere_rata_dobanda_si_comisioanele\" >Dovada existen\u021bei unor venituri stabile care s\u0103 acopere rata, dob\u00e2nda \u0219i comisioanele<\/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\/care-sunt-conditiile-pentru-a-putea-accesa-un-credit-imobiliar_db\/#Dovada_vechimii_in_munca\" >Dovada vechimii \u00een munc\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\/care-sunt-conditiile-pentru-a-putea-accesa-un-credit-imobiliar_db\/#Sa_nu_depasesti_gradul_maxim_de_indatorare\" >S\u0103 nu dep\u0103\u0219e\u0219ti gradul maxim de \u00eendatorare<\/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\/care-sunt-conditiile-pentru-a-putea-accesa-un-credit-imobiliar_db\/#Garantiile_conform_tipului_de_credit\" >Garan\u021biile conform tipului de 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\/care-sunt-conditiile-pentru-a-putea-accesa-un-credit-imobiliar_db\/#Dovada_ca_nu_ai_credite_restante_atat_tu_cat_si_codebitorul_daca_exista\" >Dovada c\u0103 nu ai credite restante, at\u00e2t tu, c\u00e2t \u0219i codebitorul, dac\u0103 exist\u0103<\/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\/care-sunt-conditiile-pentru-a-putea-accesa-un-credit-imobiliar_db\/#Sa_indeplinesti_varsta_maxima_la_finalul_perioadei_de_creditare\" >S\u0103 \u00eendepline\u0219ti v\u00e2rsta maxim\u0103 la finalul perioadei de creditare<\/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\/care-sunt-conditiile-pentru-a-putea-accesa-un-credit-imobiliar_db\/#Concluzie\" >Concluzie<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Cetatenia_romana\"><\/span><strong>Cet\u0103\u021benia rom\u00e2n\u0103<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Pentru a beneficia de un credit imobiliar, cei mai mul\u021bi dintre finan\u021batori au ca \u0219i criteriu de eligibilitate cet\u0103\u021benia rom\u00e2n\u0103 \u0219i domiciliul \u00een Rom\u00e2nia.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Dovada_avansului\"><\/span><strong>Dovada avansului&nbsp;<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>&nbsp;Dup\u0103 cum prea bine \u0219tii, \u00eenainte de accesarea efectiv\u0103 a creditului, va fi necesar s\u0103 economise\u0219ti o perioad\u0103 de timp pentru avans. \u00cen momentul de fa\u021b\u0103, avansul poate varia de la 15% (dac\u0103 este prima proprietate cump\u0103rat\u0103; la a doua, avansum minim este de 25%) p\u00e2n\u0103 la 30% (pentru creditele \u00een lei). \u00cen cazul creditelor \u00een euro, limita minim\u0103 a avansului este de 20%. Astfel, pentru o locuin\u021b\u0103 de 60.000 de euro, aceast\u0103 diferen\u021b\u0103 echivaleaz\u0103 cu un plus de (cel pu\u021bin) 12.000 de euro pe care ar trebui s\u0103-i sco\u021bi din buzunar.<\/p>\n\n\n\n<p>De\u0219i poate p\u0103rea destul de restrictiv\u0103, aceast\u0103 condi\u021bie impus\u0103 are, de fapt, un avantaj pe termen lung: cu c\u00e2t \u00eemprumu\u021bi mai pu\u021bin, cu at\u00e2t vei avea mai pu\u021bin de rambursat, iar asta \u00eenseamn\u0103 c\u0103 vei pl\u0103ti mai pu\u021bine dob\u00e2nzi \u0219i c\u0103 vei putea lichida creditul mai repede.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Dovada_existentei_unor_venituri_stabile_care_sa_acopere_rata_dobanda_si_comisioanele\"><\/span><strong>Dovada existen\u021bei unor venituri stabile care s\u0103 acopere rata, dob\u00e2nda \u0219i comisioanele<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>&nbsp;Pentru acest pas, nu va trebui s\u0103 aloci foarte mult timp, deoarece verific\u0103rile din salarii se vor face rapid de c\u0103tre ANAF. \u00cen cazul veniturilor din str\u0103in\u0103tate, va fi necesar un document \u00een original \u0219i cu traducere legalizat\u0103, emis de angajator, unde se vor prezenta mai multe date despre veniturile realizate. Pe l\u00e2ng\u0103 acestea, va mai fi nevoie s\u0103 prezin\u021bi contractul de munc\u0103, dovezile privind luarea \u00een eviden\u021b\u0103 de c\u0103tre autoritatea fiscal\u0103 a \u021b\u0103rii respective \u0219i o declara\u021bie pe propria r\u0103spundere.<\/p>\n\n\n\n<p>Dac\u0103 realizezi venituri din activit\u0103\u021bi independente, va fi necesar un contract de desf\u0103\u0219urare a acestor activit\u0103\u021bi sau un act legal care dovede\u0219te activitatea independent\u0103 (care se desf\u0103\u0219oar\u0103 de cel pu\u021bin 6 luni), un certificat de \u00eenmatriculare la ORC, o declara\u021bie unic\u0103 privind contribu\u021biile sociale \u0219i impozitul pe venit, certificatul de \u00eenregistrare fiscal\u0103 \u0219i registrul de \u00eencas\u0103ri \u0219i pl\u0103\u021bi, dac\u0103 este cazul.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Dovada_vechimii_in_munca\"><\/span><strong>Dovada vechimii \u00een munc\u0103<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>&nbsp;Condi\u021biile pentru acest punct pot varia \u00een func\u021bie de finan\u021batorii cu care vei colabora. Cu toate acestea, cel mai adesea este necesar un contract de munc\u0103 pe o perioad\u0103 nedeterminat\u0103, care a fost \u00eencheiat cu cel pu\u021bin \u0219ase luni \u00eenainte de a solicita creditul.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Sa_nu_depasesti_gradul_maxim_de_indatorare\"><\/span><strong>S\u0103 nu dep\u0103\u0219e\u0219ti gradul maxim de \u00eendatorare<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>&nbsp;Gradul de \u00eendatorare se refer\u0103 la ponderea reprezentat\u0103 de toate obliga\u021biile curente \u0219i rata lunar\u0103 \u00een venitul total al celui (sau celor) care contracteaz\u0103 un credit. Dac\u0103 \u00een trecut acest indicator putea dep\u0103\u0219i pragul de 60%, la 1 ianuarie 2019 au intrat \u00een vigoare noile reglement\u0103ri ale B\u0103ncii Na\u021bionale a Rom\u00e2niei (BNR), care stipuleaz\u0103 c\u0103 gradul maxim de \u00eendatorare pentru \u00eemprumuturile \u00een lei este de 40% din venitul net \u0219i 20% pentru creditele \u00een valut\u0103. Potrivit BNR, acest regulament se aplic\u0103 at\u00e2t institu\u0163iilor bancare, c\u00e2t \u015fi IFN.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Garantiile_conform_tipului_de_credit\"><\/span><strong>Garan\u021biile conform tipului de credit<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>&nbsp;\u00cen func\u021bie de tipul de credit ales, va trebui s\u0103 prezin\u021bi garan\u021biile necesare. Astfel, \u00een cazul creditelor ipotecare \u2013 imobiliare, va fi necesar\u0103 o ipotec\u0103. Acest lucru \u00eenseamn\u0103 c\u0103 \u00een cazul incapacit\u0103\u021bii tale de plat\u0103, creditorul va avea dreptul de a revendica un articol de valoare a debitorului. Cel mai adesea, locuin\u021ba pentru care se face creditul este utilizat\u0103 drept garan\u021bie.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Dovada_ca_nu_ai_credite_restante_atat_tu_cat_si_codebitorul_daca_exista\"><\/span><strong>Dovada c\u0103 nu ai credite restante, at\u00e2t tu, c\u00e2t \u0219i codebitorul, dac\u0103 exist\u0103<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>&nbsp;Acest pas este inclus \u00een etapa de scoring. Scorul este influen\u021bat de mai mul\u021bi factori, precum: istoricul de creditare, num\u0103rul interog\u0103rilor la birourile de credit, durata, tipul \u0219i frecven\u021ba ratelor din trecut. 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<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Sa_indeplinesti_varsta_maxima_la_finalul_perioadei_de_creditare\"><\/span><strong>S\u0103 \u00eendepline\u0219ti v\u00e2rsta maxim\u0103 la finalul perioadei de creditare<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>&nbsp;Cei mai mul\u021bi dintre finan\u021batori acord\u0103 creditele ipotecare p\u00e2n\u0103 la \u00eemplinirea v\u00e2rstei de 65 de ani pentru b\u0103rba\u021bi \u0219i 63 de ani pentru femei, cu o perioad\u0103 maxim\u0103 de rambursare de 30 de ani. Dac\u0103 creditul este acordat unui cuplu, criteriul de v\u00e2rst\u0103 trebuie \u00eendeplinit de c\u0103tre am\u00e2ndoi.<\/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>Achizi\u021bionarea unei propriet\u0103\u021bi va fi probabil cea mai scump\u0103 tranzac\u021bie din via\u021ba ta. A\u0219adar, este important s\u0103 te informezi \u00een timp util \u0219i s\u0103 fii atent \u00een fiecare etap\u0103 a \u00eentregului proces. Cu toate acestea, 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&nbsp;<a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/finantare-prin-broker-de-credite-ipotecare-cu-comision-zero\">broker de credite<\/a>. 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 gratuit.<\/p>\n\n\n\n<p><a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/finantare-prin-broker-de-credite-ipotecare-cu-comision-zero\">Solicit\u0103 o \u00eent\u00e2lnire<\/a>&nbsp;cu un broker de credite direct pe Imobiliare.ro!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Pentru a-\u021bi putea face o imagine c\u00e2t mai realist\u0103 asupra puterii tale reale de cump\u0103rare, condi\u021biile pentru contractarea unui credit ipotecar sau imobiliar ar trebui s\u0103 fie cunoscute de c\u0103tre tine chiar \u00eenainte de \u00eenceperea c\u0103ut\u0103rii propriu-zise. Urm\u0103re\u0219te cu aten\u021bie criteriile de eligibilitate \u0219i afl\u0103 mai multe detalii despre fiecare aspect \u00een parte. Cet\u0103\u021benia rom\u00e2n\u0103 [&hellip;]<\/p>\n","protected":false},"author":842160,"featured_media":66040,"comment_status":"open","ping_status":"open","sticky":true,"template":"","format":"standard","meta":{"footnotes":""},"categories":[263,259],"tags":[],"content_author":[],"class_list":["post-66039","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>Care sunt condi\u021biile pentru a putea accesa un credit imobiliar? - Credite, \u0218tiri - ImoExpert<\/title>\n<meta name=\"description\" content=\"Pentru a-\u021bi putea face o imagine c\u00e2t mai realist\u0103 asupra puterii tale reale de cump\u0103rare, condi\u021biile pentru contractarea unui credit ipotecar sau\" \/>\n<meta name=\"robots\" content=\"index, follow\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.imobiliare.ro\/imoexpert\/care-sunt-conditiile-pentru-a-putea-accesa-un-credit-imobiliar_db\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Care sunt condi\u021biile pentru a putea accesa un credit imobiliar?\" \/>\n<meta property=\"og:description\" content=\"Pentru a-\u021bi putea face o imagine c\u00e2t mai realist\u0103 asupra puterii tale reale de cump\u0103rare, condi\u021biile pentru contractarea unui credit ipotecar sau\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.imobiliare.ro\/imoexpert\/care-sunt-conditiile-pentru-a-putea-accesa-un-credit-imobiliar_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=\"2023-02-13T09:22:34+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2023\/02\/Avantgarden-3.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=\"5 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.imobiliare.ro\/imoexpert\/care-sunt-conditiile-pentru-a-putea-accesa-un-credit-imobiliar_db\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.imobiliare.ro\/imoexpert\/care-sunt-conditiile-pentru-a-putea-accesa-un-credit-imobiliar_db\/\"},\"author\":{\"name\":\"Alexandra Manolache\",\"@id\":\"https:\/\/www.imobiliare.ro\/imoexpert\/#\/schema\/person\/f3350e4786cf9f97888b908d7a00105c\"},\"headline\":\"Care sunt condi\u021biile pentru a putea accesa un credit imobiliar?\",\"datePublished\":\"2023-02-13T09:22:34+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.imobiliare.ro\/imoexpert\/care-sunt-conditiile-pentru-a-putea-accesa-un-credit-imobiliar_db\/\"},\"wordCount\":921,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.imobiliare.ro\/imoexpert\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.imobiliare.ro\/imoexpert\/care-sunt-conditiile-pentru-a-putea-accesa-un-credit-imobiliar_db\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2023\/02\/Avantgarden-3.png\",\"articleSection\":[\"Credite\",\"\u0218tiri\"],\"inLanguage\":\"en\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.imobiliare.ro\/imoexpert\/care-sunt-conditiile-pentru-a-putea-accesa-un-credit-imobiliar_db\/#respond\"]}],\"copyrightYear\":\"2023\",\"copyrightHolder\":{\"@id\":\"https:\/\/www.imobiliare.ro\/imoexpert\/#organization\"}},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.imobiliare.ro\/imoexpert\/care-sunt-conditiile-pentru-a-putea-accesa-un-credit-imobiliar_db\/\",\"url\":\"https:\/\/www.imobiliare.ro\/imoexpert\/care-sunt-conditiile-pentru-a-putea-accesa-un-credit-imobiliar_db\/\",\"name\":\"Care sunt condi\u021biile pentru a putea accesa un credit imobiliar? 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