{"id":66064,"date":"2023-02-22T10:30:57","date_gmt":"2023-02-22T08:30:57","guid":{"rendered":"https:\/\/www.imobiliare.ro\/imoexpert\/?p=66064"},"modified":"2023-02-22T10:30:57","modified_gmt":"2023-02-22T08:30:57","slug":"ce-sa-iei-in-considerare-atunci-cand-doresti-un-credit-imobiliar","status":"publish","type":"post","link":"https:\/\/www.imobiliare.ro\/imoexpert\/ce-sa-iei-in-considerare-atunci-cand-doresti-un-credit-imobiliar_db\/","title":{"rendered":"Ce s\u0103 iei \u00een considerare atunci c\u00e2nd dore\u0219ti 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\/Cover-21-1024x576.png\" alt=\"\" class=\"wp-image-66065\" srcset=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2023\/02\/Cover-21-1024x576.png 1024w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2023\/02\/Cover-21-300x169.png 300w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2023\/02\/Cover-21-768x432.png 768w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2023\/02\/Cover-21.png 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\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-69e4bc0a1e942\" 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-69e4bc0a1e942\"  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-sa-iei-in-considerare-atunci-cand-doresti-un-credit-imobiliar_db\/#Ce_este_un_credit_ipotecar\" >Ce este un credit 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\/ce-sa-iei-in-considerare-atunci-cand-doresti-un-credit-imobiliar_db\/#Factori_pe_care_trebuie_sa_ii_iei_in_considerare\" >Factori pe care trebuie s\u0103 ii iei \u00een considerare<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.imobiliare.ro\/imoexpert\/ce-sa-iei-in-considerare-atunci-cand-doresti-un-credit-imobiliar_db\/#Avansul_de_care_dispui_si_cat_iti_permiti_sa_platesti_in_fiecare_luna\" >Avansul de care dispui \u0219i c\u00e2t \u00ee\u021bi permi\u021bi s\u0103 pl\u0103te\u0219ti \u00een fiecare lun\u0103<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.imobiliare.ro\/imoexpert\/ce-sa-iei-in-considerare-atunci-cand-doresti-un-credit-imobiliar_db\/#Direct_de_la_banca_vs_broker_ipotecar\" >Direct de la banc\u0103 vs. broker ipotecar<\/a><\/li><\/ul><\/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-sa-iei-in-considerare-atunci-cand-doresti-un-credit-imobiliar_db\/#Prin_ce_etape_trebuie_sa_treci_pana_la_achizitionarea_locuintei\" >Prin ce etape trebuie s\u0103 treci p\u00e2n\u0103 la achizi\u021bionarea locuin\u021bei?<\/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\/ce-sa-iei-in-considerare-atunci-cand-doresti-un-credit-imobiliar_db\/#Ce_este_scoringul\" >Ce este scoringul?<\/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\/ce-sa-iei-in-considerare-atunci-cand-doresti-un-credit-imobiliar_db\/#In_ce_consta_realizarea_dosarului_de_credit\" >\u00cen ce const\u0103 realizarea dosarului de credit?<\/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\/ce-sa-iei-in-considerare-atunci-cand-doresti-un-credit-imobiliar_db\/#La_cine_apelezi_pentru_evaluarea_imobilului\" >La cine apelezi pentru 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\/ce-sa-iei-in-considerare-atunci-cand-doresti-un-credit-imobiliar_db\/#De_ce_acte_aditionale_ai_nevoie\" >De ce acte adi\u021bionale ai nevoie?<\/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\/ce-sa-iei-in-considerare-atunci-cand-doresti-un-credit-imobiliar_db\/#In_ce_consta_incheierea_contractului\" >\u00cen ce const\u0103 \u00eencheierea contractului?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.imobiliare.ro\/imoexpert\/ce-sa-iei-in-considerare-atunci-cand-doresti-un-credit-imobiliar_db\/#Concluzie\" >Concluzie<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Ce_este_un_credit_ipotecar\"><\/span><strong>Ce este un credit ipotecar?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Pentru achizi\u021bia unei propriet\u0103\u021bi imobiliare, cea mai viabil\u0103 \u0219i cea mai frecvent utilizat\u0103 solu\u021bie de finan\u021bare bancar\u0103 o reprezint\u0103 creditele ipotecare sau imobiliare. \u00cen func\u021bie de posibilit\u0103\u021bile tale financiare, po\u021bi realiza creditul pe o durat\u0103 de p\u00e2n\u0103 la 30 de ani, \u00eens\u0103 po\u021bi opta \u0219i pentru perioade mai lungi de timp sau mai scurte.<\/p>\n\n\n\n<p>Un credit de acest tip se deosebe\u0219te prin faptul c\u0103 garan\u021bia lui este dat\u0103 de proprietatea \u00een sine. Astfel, dac\u0103 e\u0219ti \u00een situa\u021bia de neplat\u0103 a ratelor, creditorul poate lua \u0219i vinde proprietatea ta pentru a-\u0219i recupera banii. Din perspectiva avansului, pentru un astfel de credit po\u021bi pl\u0103ti \u00eentre 15 \u0219i 35% din pre\u021bul de achizi\u021bie.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Factori_pe_care_trebuie_sa_ii_iei_in_considerare\"><\/span><strong>Factori pe care trebuie s\u0103 ii iei \u00een considerare<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Avansul_de_care_dispui_si_cat_iti_permiti_sa_platesti_in_fiecare_luna\"><\/span><strong>Avansul de care dispui \u0219i c\u00e2t \u00ee\u021bi permi\u021bi s\u0103 pl\u0103te\u0219ti \u00een fiecare lun\u0103<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u00cen momentul de fa\u021b\u0103, ofertele standard de creditare din portofoliile b\u0103ncilor \u00eencep de la un avans minim acceptat de 15% (spre deosebire de programul Noua&nbsp; Cas\u0103, pentru care cerin\u021bele pornesc de la un minimum de 5%).<\/p>\n\n\n\n<p>Cu c\u00e2t vei dispune de un avans mai mare, cu at\u00e2t va fi mai bine, \u00eentruc\u00e2t suma respectiv\u0103 va fi \u201escutit\u0103\u201d de costurile adi\u021bionale ale finan\u021b\u0103rii, ce se scad din randamentul ob\u021binut. Astfel, dac\u0103 vrei s\u0103 cumperi un imobil cu un pre\u021b de 40.000 de euro, ar trebui s\u0103 dispui de cel pu\u021bin 6.000 de euro din fonduri proprii pentru avans. Pe scurt, un avans mai mare, presupune un credit mai mic, drept urmare \u0219i o rat\u0103 mai mic\u0103.<\/p>\n\n\n\n<p>Celelalte costuri asociate contract\u0103rii unui credit se apropie, \u00een cazul unui imobil de 50.000 de euro, de suma de 1.000 de euro. Printre aceste cheltuieli se num\u0103r\u0103: evaluarea imobilului, poli\u021ba de asigurare a casei \u0219i&nbsp; depozitul colateral constituit de c\u0103tre banc\u0103 \u2013 echivalentul a trei rate lunare de dob\u00e2nd\u0103. Cheltuielile notariale vor \u201em\u00e2nca\u201d, de asemenea, o parte important\u0103 din bugetul ini\u021bial al unui cump\u0103r\u0103tor prin credit. Astfel, \u00een cazul unui credit standard, aceste costuri se apropie de 1.000 de euro.<\/p>\n\n\n\n<p>Din perspectiva bugetului, ratele lunare nu ar trebui s\u0103 dep\u0103\u0219easc\u0103 mai mult de 30% din venitul t\u0103u lunar. Respect\u00e2nd acest procent, te vei asigura \u0219i \u00eempotriva situa\u021biilor neprev\u0103zute, care pot duce la cheltuieli op\u021bionale.&nbsp;&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Direct_de_la_banca_vs_broker_ipotecar\"><\/span><strong>Direct de la banc\u0103 vs. broker ipotecar<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>&nbsp;Atunci c\u00e2nd vine vorba despre contractarea unui credit ipotecar, ai la dispozi\u021bie dou\u0103 variante: fie realizezi procesul de unul singur, merg\u00e2nd direct la banc\u0103 sau po\u021bi apela la un broker ipotecar. Un astfel de specialist te va ajuta s\u0103 g\u0103se\u0219ti cea mai bun\u0103 rat\u0103 a dob\u00e2nzii \u0219i va fi al\u0103turi de tine p\u00e2n\u0103 la finalizarea cu succes a ob\u021binerii creditului.&nbsp;<\/p>\n\n\n\n<p>Indiferent de op\u021biunea aleas\u0103, trebuie s\u0103 \u0219tii urm\u0103toarele aspecte \u00eenainte de a apela la institu\u021biile financiare: suma de care dispui pentru avans, c\u00e2t de mult vrei s\u0103 te \u00eemprumu\u021bi, ce tip de credit imobiliar dore\u0219ti, ce locuin\u021b\u0103 ai \u00een vedere \u0219i c\u00e2t cost\u0103 aceasta, pe ce perioad\u0103 dore\u0219ti s\u0103 te \u00eemprumu\u021bi \u0219i c\u00e2t \u00ee\u021bi permi\u021bi s\u0103 pl\u0103te\u0219ti \u00een fiecare lun\u0103.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Prin_ce_etape_trebuie_sa_treci_pana_la_achizitionarea_locuintei\"><\/span><strong>Prin ce etape trebuie s\u0103 treci p\u00e2n\u0103 la achizi\u021bionarea locuin\u021bei?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Pentru a-\u021bi putea face o imagine c\u00e2t mai realist\u0103 asupra puterii tale reale de cump\u0103rare, demersurile pentru contractarea unui credit ipotecar sau imobiliar ar trebui s\u0103 fie ini\u021biate chiar \u00eenainte de \u00eenceperea c\u0103ut\u0103rii propriu-zise. Iat\u0103 care sunt etapele cele mai importante ale acestui proces:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>&nbsp; &nbsp; &nbsp;&nbsp;Scoring<\/li>\n\n\n\n<li>&nbsp; &nbsp; &nbsp;&nbsp;Dosarul de credit<\/li>\n\n\n\n<li>&nbsp; &nbsp; &nbsp;&nbsp;Evaluarea imobilului<\/li>\n\n\n\n<li>&nbsp; &nbsp; &nbsp;&nbsp;Acte adi\u021bionale<\/li>\n\n\n\n<li>&nbsp; &nbsp; &nbsp;&nbsp;\u00cencheierea contractului<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Ce_este_scoringul\"><\/span><strong>Ce este scoringul?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Este primul \u0219i cel mai simplu pas. Acest indicator este influen\u021bat de num\u0103rul interog\u0103rilor recente la biroul de credit, de istoricul t\u0103u de creditare, de tipul creditelor avute, durata acestora \u0219i frecven\u021ba cu care ai pl\u0103tit ratele. \u00cen mod evident, cu c\u00e2t acest scor are o valoare mai mic\u0103, cu at\u00e2t \u00ee\u021bi scad \u0219ansele de aprobare a creditului. Cu ajutorul unui broker de credite, po\u021bi compara c\u00e2te scenarii de credit dore\u0219ti, f\u0103r\u0103 a influen\u021ba scorul.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"In_ce_consta_realizarea_dosarului_de_credit\"><\/span><strong>\u00cen ce const\u0103 realizarea dosarului de credit?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Dosarul va cuprinde actul de identitate al debitorului \u0219i, eventual, pe cel al codebitorului, al\u0103turi de certificatul de c\u0103s\u0103torie, dac\u0103 este cazul. Va mai trebui s\u0103 incluzi \u00een dosar o adeverin\u021b\u0103 de salariu \u2013 sau alte documente doveditoare pentru celelalte tipuri de venituri. Un broker te poate ajuta \u00een acest pas sau chiar \u00ee\u021bi realizeaz\u0103 dosarul de credit. Acesta va \u0219ti de ce acte este nevoie, iar procesul se va derula rapid \u0219i f\u0103r\u0103 a \u00eent\u00e2lni situa\u021bii nea\u0219teptate.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"La_cine_apelezi_pentru_evaluarea_imobilului\"><\/span><strong>La cine apelezi pentru evaluarea imobilului?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Dup\u0103 g\u0103sirea propriet\u0103\u021bii dorite, la dosarul de credit trebuie anexat un raport de evaluare a acesteia. Evaluatorul \u00eel po\u021bi c\u0103uta \u0219i pe cont propriu, \u00eens\u0103 b\u0103ncile \u0219i brokerii de credite au o list\u0103 de speciali\u0219ti la care po\u021bi apela.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"De_ce_acte_aditionale_ai_nevoie\"><\/span><strong>De ce acte adi\u021bionale ai nevoie?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Dup\u0103 evaluare, trebuie prezentate la banc\u0103 o serie de acte pe care trebuie s\u0103 le ob\u021bii de la v\u00e2nz\u0103tor, precum: certificatul fiscal, extrasul de carte funciar\u0103, adeverin\u021ba de la asocia\u021bia de proprietari \u0219i certificatul energetic (acestea vor fi transmise apoi c\u0103tre biroul notarial, unde se va semna \u0219i actul de v\u00e2nzare). Brokerul te poate ajuta cu ob\u021binerea \u0219i transmiterea c\u0103tre banc\u0103 a acestor documente.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"In_ce_consta_incheierea_contractului\"><\/span><strong>\u00cen ce const\u0103 \u00eencheierea contractului?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u00cenainte de semnarea contractului de credit, este necesar s\u0103-l studiezi \u00eendeaproape (po\u021bi solicita chiar consultarea acestuia \u00eenainte). Dac\u0103 ai \u00eentreb\u0103ri, nel\u0103muriri sau chiar sugestii, nu ezita s\u0103 le comunici reprezentantului b\u0103ncii sau brokerului de credite. \u021aine cont de faptul c\u0103 un broker de credite va avea rolul de intermediar \u00eentre tine \u0219i banc\u0103, \u201etraduc\u00e2nd\u201d cerin\u021bele acesteia \u00eentr-un mod c\u00e2t mai concret \u0219i ajut\u00e2ndu-te constant \u00eentr-un proces at\u00e2t de emo\u021bionant.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Concluzie\"><\/span><strong>Concluzie<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Apel\u00e2nd la un broker de credite, vei beneficia de o eliberare a anxiet\u0103\u021bii \u00eentregii presiuni a procesului de creditare. 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.&nbsp;<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 \u0219i te vei bucura de o rela\u021bie bazat\u0103 pe \u00eencredere \u0219i respect reciproc.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Ce este un credit ipotecar? Pentru achizi\u021bia unei propriet\u0103\u021bi imobiliare, cea mai viabil\u0103 \u0219i cea mai frecvent utilizat\u0103 solu\u021bie de finan\u021bare bancar\u0103 o reprezint\u0103 creditele ipotecare sau imobiliare. \u00cen func\u021bie de posibilit\u0103\u021bile tale financiare, po\u021bi realiza creditul pe o durat\u0103 de p\u00e2n\u0103 la 30 de ani, \u00eens\u0103 po\u021bi opta \u0219i pentru perioade mai lungi de [&hellip;]<\/p>\n","protected":false},"author":842160,"featured_media":66065,"comment_status":"open","ping_status":"open","sticky":true,"template":"","format":"standard","meta":{"footnotes":""},"categories":[263,259],"tags":[],"content_author":[],"class_list":["post-66064","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 s\u0103 iei \u00een considerare atunci c\u00e2nd dore\u0219ti un credit imobiliar? - Credite, \u0218tiri - ImoExpert<\/title>\n<meta name=\"description\" content=\"Ce este un credit ipotecar? Pentru achizi\u021bia unei propriet\u0103\u021bi imobiliare, cea mai viabil\u0103 \u0219i cea mai frecvent utilizat\u0103 solu\u021bie de finan\u021bare bancar\u0103 o\" \/>\n<meta name=\"robots\" content=\"index, follow\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.imobiliare.ro\/imoexpert\/ce-sa-iei-in-considerare-atunci-cand-doresti-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=\"Ce s\u0103 iei \u00een considerare atunci c\u00e2nd dore\u0219ti un credit imobiliar?\" \/>\n<meta property=\"og:description\" content=\"Ce este un credit ipotecar? Pentru achizi\u021bia unei propriet\u0103\u021bi imobiliare, cea mai viabil\u0103 \u0219i cea mai frecvent utilizat\u0103 solu\u021bie de finan\u021bare bancar\u0103 o\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.imobiliare.ro\/imoexpert\/ce-sa-iei-in-considerare-atunci-cand-doresti-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=\"2023-02-22T08:30:57+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2023\/02\/Cover-21.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\/ce-sa-iei-in-considerare-atunci-cand-doresti-un-credit-imobiliar_db\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.imobiliare.ro\/imoexpert\/ce-sa-iei-in-considerare-atunci-cand-doresti-un-credit-imobiliar_db\/\"},\"author\":{\"name\":\"Alexandra Manolache\",\"@id\":\"https:\/\/www.imobiliare.ro\/imoexpert\/#\/schema\/person\/f3350e4786cf9f97888b908d7a00105c\"},\"headline\":\"Ce s\u0103 iei \u00een considerare atunci c\u00e2nd dore\u0219ti un credit imobiliar?\",\"datePublished\":\"2023-02-22T08:30:57+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.imobiliare.ro\/imoexpert\/ce-sa-iei-in-considerare-atunci-cand-doresti-un-credit-imobiliar_db\/\"},\"wordCount\":1135,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.imobiliare.ro\/imoexpert\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.imobiliare.ro\/imoexpert\/ce-sa-iei-in-considerare-atunci-cand-doresti-un-credit-imobiliar_db\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2023\/02\/Cover-21.png\",\"articleSection\":[\"Credite\",\"\u0218tiri\"],\"inLanguage\":\"en\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.imobiliare.ro\/imoexpert\/ce-sa-iei-in-considerare-atunci-cand-doresti-un-credit-imobiliar_db\/#respond\"]}],\"copyrightYear\":\"2023\",\"copyrightHolder\":{\"@id\":\"https:\/\/www.imobiliare.ro\/imoexpert\/#organization\"}},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.imobiliare.ro\/imoexpert\/ce-sa-iei-in-considerare-atunci-cand-doresti-un-credit-imobiliar_db\/\",\"url\":\"https:\/\/www.imobiliare.ro\/imoexpert\/ce-sa-iei-in-considerare-atunci-cand-doresti-un-credit-imobiliar_db\/\",\"name\":\"Ce s\u0103 iei \u00een considerare atunci c\u00e2nd dore\u0219ti un credit imobiliar? - Credite, \u0218tiri - ImoExpert\",\"isPartOf\":{\"@id\":\"https:\/\/www.imobiliare.ro\/imoexpert\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.imobiliare.ro\/imoexpert\/ce-sa-iei-in-considerare-atunci-cand-doresti-un-credit-imobiliar_db\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.imobiliare.ro\/imoexpert\/ce-sa-iei-in-considerare-atunci-cand-doresti-un-credit-imobiliar_db\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2023\/02\/Cover-21.png\",\"datePublished\":\"2023-02-22T08:30:57+00:00\",\"description\":\"Ce este un credit ipotecar? Pentru achizi\u021bia unei propriet\u0103\u021bi imobiliare, cea mai viabil\u0103 \u0219i cea mai frecvent utilizat\u0103 solu\u021bie de finan\u021bare bancar\u0103 o\",\"breadcrumb\":{\"@id\":\"https:\/\/www.imobiliare.ro\/imoexpert\/ce-sa-iei-in-considerare-atunci-cand-doresti-un-credit-imobiliar_db\/#breadcrumb\"},\"inLanguage\":\"en\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.imobiliare.ro\/imoexpert\/ce-sa-iei-in-considerare-atunci-cand-doresti-un-credit-imobiliar_db\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en\",\"@id\":\"https:\/\/www.imobiliare.ro\/imoexpert\/ce-sa-iei-in-considerare-atunci-cand-doresti-un-credit-imobiliar_db\/#primaryimage\",\"url\":\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2023\/02\/Cover-21.png\",\"contentUrl\":\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2023\/02\/Cover-21.png\",\"width\":1200,\"height\":675},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.imobiliare.ro\/imoexpert\/ce-sa-iei-in-considerare-atunci-cand-doresti-un-credit-imobiliar_db\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Imoradar24\",\"item\":\"https:\/\/www.imoradar24.ro\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"ImoExpert\",\"item\":\"https:\/\/www.imobiliare.ro\/imoexpert\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Sfaturi\",\"item\":\"https:\/\/www.imobiliare.ro\/imoexpert\/ghid-imobiliar\/\"},{\"@type\":\"ListItem\",\"position\":4,\"name\":\"Credite\",\"item\":\"https:\/\/www.imobiliare.ro\/imoexpert\/ghid-imobiliar\/credite\/\"},{\"@type\":\"ListItem\",\"position\":5,\"name\":\"Ce s\u0103 iei \u00een considerare atunci c\u00e2nd dore\u0219ti un credit imobiliar?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.imobiliare.ro\/imoexpert\/#website\",\"url\":\"https:\/\/www.imobiliare.ro\/imoexpert\/\",\"name\":\"ImoExpert\",\"description\":\"cele mai importante \u015ftiri din domeniul imobiliar\",\"publisher\":{\"@id\":\"https:\/\/www.imobiliare.ro\/imoexpert\/#organization\"},\"inLanguage\":\"en\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.imobiliare.ro\/imoexpert\/#organization\",\"name\":\"Imobiliare.ro\",\"alternateName\":\"Realmedia Network SA\",\"url\":\"https:\/\/www.imobiliare.ro\/imoexpert\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en\",\"@id\":\"https:\/\/www.imobiliare.ro\/imoexpert\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2025\/05\/imobiliare_logo.png\",\"contentUrl\":\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2025\/05\/imobiliare_logo.png\",\"width\":237,\"height\":29,\"caption\":\"Imobiliare.ro\"},\"image\":{\"@id\":\"https:\/\/www.imobiliare.ro\/imoexpert\/#\/schema\/logo\/image\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.imobiliare.ro\/imoexpert\/#\/schema\/person\/f3350e4786cf9f97888b908d7a00105c\",\"name\":\"Alexandra Manolache\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en\",\"@id\":\"https:\/\/www.imobiliare.ro\/imoexpert\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2026\/02\/cropped-chatgpt-image-jan-26-2026-11-50-59-am-96x96.png\",\"contentUrl\":\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2026\/02\/cropped-chatgpt-image-jan-26-2026-11-50-59-am-96x96.png\",\"caption\":\"Alexandra Manolache\"},\"description\":\"Alexandra G\u0103bi\u021ba Manolache este Brand Manager la Imobiliare.ro. Absolvent\u0103 a Facult\u0103\u021bii de Cibernetic\u0103, Statistic\u0103 \u0219i Informatic\u0103 Economic\u0103 (FEAA Timi\u0219oara), vine cu o baz\u0103 solid\u0103 \u00een digital \u0219i economie \u0219i o experien\u021b\u0103 de 9 ani \u00een digital marketing. A contribuit ca editor la \u0219ase edi\u021bii ale raportului trimestrial Market 360 \u0219i semneaz\u0103 articole pe blogul Imobiliare.ro, unde explic\u0103 tendin\u021be \u0219i ofer\u0103 perspective aplicate asupra real estate-ului.\",\"sameAs\":[\"https:\/\/alexandra-manolache.com\/\",\"https:\/\/www.facebook.com\/AlexandraGabita\",\"https:\/\/www.instagram.com\/alexandragabita\/\",\"https:\/\/www.linkedin.com\/in\/alexandra-gabita-manolache\/\",\"https:\/\/www.youtube.com\/channel\/UCAqYKF7H8sJ0n55YF97Lz5g\"],\"jobTitle\":\"Brand Manager\",\"url\":\"https:\/\/www.imobiliare.ro\/imoexpert\/author\/alexandra-manolache\/\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Ce s\u0103 iei \u00een considerare atunci c\u00e2nd dore\u0219ti un credit imobiliar? - Credite, \u0218tiri - ImoExpert","description":"Ce este un credit ipotecar? Pentru achizi\u021bia unei propriet\u0103\u021bi imobiliare, cea mai viabil\u0103 \u0219i cea mai frecvent utilizat\u0103 solu\u021bie de finan\u021bare bancar\u0103 o","robots":{"index":"index","follow":"follow"},"canonical":"https:\/\/www.imobiliare.ro\/imoexpert\/ce-sa-iei-in-considerare-atunci-cand-doresti-un-credit-imobiliar_db\/","og_locale":"ro_RO","og_type":"article","og_title":"Ce s\u0103 iei \u00een considerare atunci c\u00e2nd dore\u0219ti un credit imobiliar?","og_description":"Ce este un credit ipotecar? Pentru achizi\u021bia unei propriet\u0103\u021bi imobiliare, cea mai viabil\u0103 \u0219i cea mai frecvent utilizat\u0103 solu\u021bie de finan\u021bare bancar\u0103 o","og_url":"https:\/\/www.imobiliare.ro\/imoexpert\/ce-sa-iei-in-considerare-atunci-cand-doresti-un-credit-imobiliar_db\/","og_site_name":"ImoExpert","article_author":"https:\/\/www.facebook.com\/AlexandraGabita","article_published_time":"2023-02-22T08:30:57+00:00","og_image":[{"width":1200,"height":675,"url":"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2023\/02\/Cover-21.png","type":"image\/png"}],"author":"Alexandra Manolache","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Alexandra Manolache","Est. reading time":"5 minute"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.imobiliare.ro\/imoexpert\/ce-sa-iei-in-considerare-atunci-cand-doresti-un-credit-imobiliar_db\/#article","isPartOf":{"@id":"https:\/\/www.imobiliare.ro\/imoexpert\/ce-sa-iei-in-considerare-atunci-cand-doresti-un-credit-imobiliar_db\/"},"author":{"name":"Alexandra Manolache","@id":"https:\/\/www.imobiliare.ro\/imoexpert\/#\/schema\/person\/f3350e4786cf9f97888b908d7a00105c"},"headline":"Ce s\u0103 iei \u00een considerare atunci c\u00e2nd dore\u0219ti un credit imobiliar?","datePublished":"2023-02-22T08:30:57+00:00","mainEntityOfPage":{"@id":"https:\/\/www.imobiliare.ro\/imoexpert\/ce-sa-iei-in-considerare-atunci-cand-doresti-un-credit-imobiliar_db\/"},"wordCount":1135,"commentCount":0,"publisher":{"@id":"https:\/\/www.imobiliare.ro\/imoexpert\/#organization"},"image":{"@id":"https:\/\/www.imobiliare.ro\/imoexpert\/ce-sa-iei-in-considerare-atunci-cand-doresti-un-credit-imobiliar_db\/#primaryimage"},"thumbnailUrl":"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2023\/02\/Cover-21.png","articleSection":["Credite","\u0218tiri"],"inLanguage":"en","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www.imobiliare.ro\/imoexpert\/ce-sa-iei-in-considerare-atunci-cand-doresti-un-credit-imobiliar_db\/#respond"]}],"copyrightYear":"2023","copyrightHolder":{"@id":"https:\/\/www.imobiliare.ro\/imoexpert\/#organization"}},{"@type":"WebPage","@id":"https:\/\/www.imobiliare.ro\/imoexpert\/ce-sa-iei-in-considerare-atunci-cand-doresti-un-credit-imobiliar_db\/","url":"https:\/\/www.imobiliare.ro\/imoexpert\/ce-sa-iei-in-considerare-atunci-cand-doresti-un-credit-imobiliar_db\/","name":"Ce s\u0103 iei \u00een considerare atunci c\u00e2nd dore\u0219ti un credit imobiliar? - Credite, \u0218tiri - ImoExpert","isPartOf":{"@id":"https:\/\/www.imobiliare.ro\/imoexpert\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.imobiliare.ro\/imoexpert\/ce-sa-iei-in-considerare-atunci-cand-doresti-un-credit-imobiliar_db\/#primaryimage"},"image":{"@id":"https:\/\/www.imobiliare.ro\/imoexpert\/ce-sa-iei-in-considerare-atunci-cand-doresti-un-credit-imobiliar_db\/#primaryimage"},"thumbnailUrl":"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2023\/02\/Cover-21.png","datePublished":"2023-02-22T08:30:57+00:00","description":"Ce este un credit ipotecar? Pentru achizi\u021bia unei propriet\u0103\u021bi imobiliare, cea mai viabil\u0103 \u0219i cea mai frecvent utilizat\u0103 solu\u021bie de finan\u021bare bancar\u0103 o","breadcrumb":{"@id":"https:\/\/www.imobiliare.ro\/imoexpert\/ce-sa-iei-in-considerare-atunci-cand-doresti-un-credit-imobiliar_db\/#breadcrumb"},"inLanguage":"en","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.imobiliare.ro\/imoexpert\/ce-sa-iei-in-considerare-atunci-cand-doresti-un-credit-imobiliar_db\/"]}]},{"@type":"ImageObject","inLanguage":"en","@id":"https:\/\/www.imobiliare.ro\/imoexpert\/ce-sa-iei-in-considerare-atunci-cand-doresti-un-credit-imobiliar_db\/#primaryimage","url":"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2023\/02\/Cover-21.png","contentUrl":"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2023\/02\/Cover-21.png","width":1200,"height":675},{"@type":"BreadcrumbList","@id":"https:\/\/www.imobiliare.ro\/imoexpert\/ce-sa-iei-in-considerare-atunci-cand-doresti-un-credit-imobiliar_db\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Imoradar24","item":"https:\/\/www.imoradar24.ro"},{"@type":"ListItem","position":2,"name":"ImoExpert","item":"https:\/\/www.imobiliare.ro\/imoexpert\/"},{"@type":"ListItem","position":3,"name":"Sfaturi","item":"https:\/\/www.imobiliare.ro\/imoexpert\/ghid-imobiliar\/"},{"@type":"ListItem","position":4,"name":"Credite","item":"https:\/\/www.imobiliare.ro\/imoexpert\/ghid-imobiliar\/credite\/"},{"@type":"ListItem","position":5,"name":"Ce s\u0103 iei \u00een considerare atunci c\u00e2nd dore\u0219ti un credit imobiliar?"}]},{"@type":"WebSite","@id":"https:\/\/www.imobiliare.ro\/imoexpert\/#website","url":"https:\/\/www.imobiliare.ro\/imoexpert\/","name":"ImoExpert","description":"cele mai importante \u015ftiri din domeniul imobiliar","publisher":{"@id":"https:\/\/www.imobiliare.ro\/imoexpert\/#organization"},"inLanguage":"en"},{"@type":"Organization","@id":"https:\/\/www.imobiliare.ro\/imoexpert\/#organization","name":"Imobiliare.ro","alternateName":"Realmedia Network SA","url":"https:\/\/www.imobiliare.ro\/imoexpert\/","logo":{"@type":"ImageObject","inLanguage":"en","@id":"https:\/\/www.imobiliare.ro\/imoexpert\/#\/schema\/logo\/image\/","url":"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2025\/05\/imobiliare_logo.png","contentUrl":"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2025\/05\/imobiliare_logo.png","width":237,"height":29,"caption":"Imobiliare.ro"},"image":{"@id":"https:\/\/www.imobiliare.ro\/imoexpert\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/www.imobiliare.ro\/imoexpert\/#\/schema\/person\/f3350e4786cf9f97888b908d7a00105c","name":"Alexandra Manolache","image":{"@type":"ImageObject","inLanguage":"en","@id":"https:\/\/www.imobiliare.ro\/imoexpert\/#\/schema\/person\/image\/","url":"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2026\/02\/cropped-chatgpt-image-jan-26-2026-11-50-59-am-96x96.png","contentUrl":"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2026\/02\/cropped-chatgpt-image-jan-26-2026-11-50-59-am-96x96.png","caption":"Alexandra Manolache"},"description":"Alexandra G\u0103bi\u021ba Manolache este Brand Manager la Imobiliare.ro. Absolvent\u0103 a Facult\u0103\u021bii de Cibernetic\u0103, Statistic\u0103 \u0219i Informatic\u0103 Economic\u0103 (FEAA Timi\u0219oara), vine cu o baz\u0103 solid\u0103 \u00een digital \u0219i economie \u0219i o experien\u021b\u0103 de 9 ani \u00een digital marketing. A contribuit ca editor la \u0219ase edi\u021bii ale raportului trimestrial Market 360 \u0219i semneaz\u0103 articole pe blogul Imobiliare.ro, unde explic\u0103 tendin\u021be \u0219i ofer\u0103 perspective aplicate asupra real estate-ului.","sameAs":["https:\/\/alexandra-manolache.com\/","https:\/\/www.facebook.com\/AlexandraGabita","https:\/\/www.instagram.com\/alexandragabita\/","https:\/\/www.linkedin.com\/in\/alexandra-gabita-manolache\/","https:\/\/www.youtube.com\/channel\/UCAqYKF7H8sJ0n55YF97Lz5g"],"jobTitle":"Brand Manager","url":"https:\/\/www.imobiliare.ro\/imoexpert\/author\/alexandra-manolache\/"}]}},"_links":{"self":[{"href":"https:\/\/www.imobiliare.ro\/imoexpert\/wp-json\/wp\/v2\/posts\/66064","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.imobiliare.ro\/imoexpert\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.imobiliare.ro\/imoexpert\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.imobiliare.ro\/imoexpert\/wp-json\/wp\/v2\/users\/842160"}],"replies":[{"embeddable":true,"href":"https:\/\/www.imobiliare.ro\/imoexpert\/wp-json\/wp\/v2\/comments?post=66064"}],"version-history":[{"count":0,"href":"https:\/\/www.imobiliare.ro\/imoexpert\/wp-json\/wp\/v2\/posts\/66064\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.imobiliare.ro\/imoexpert\/wp-json\/wp\/v2\/media\/66065"}],"wp:attachment":[{"href":"https:\/\/www.imobiliare.ro\/imoexpert\/wp-json\/wp\/v2\/media?parent=66064"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.imobiliare.ro\/imoexpert\/wp-json\/wp\/v2\/categories?post=66064"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.imobiliare.ro\/imoexpert\/wp-json\/wp\/v2\/tags?post=66064"},{"taxonomy":"content_author","embeddable":true,"href":"https:\/\/www.imobiliare.ro\/imoexpert\/wp-json\/wp\/v2\/content_author?post=66064"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}