{"id":66918,"date":"2023-08-02T09:14:49","date_gmt":"2023-08-02T06:14:49","guid":{"rendered":"https:\/\/www.imobiliare.ro\/imoexpert\/?p=66918"},"modified":"2023-08-02T09:14:49","modified_gmt":"2023-08-02T06:14:49","slug":"care-sunt-atributiile-unui-broker-de-credit","status":"publish","type":"post","link":"https:\/\/www.imobiliare.ro\/imoexpert\/care-sunt-atributiile-unui-broker-de-credit_db\/","title":{"rendered":"Care sunt atribu\u021biile unui broker de credit?"},"content":{"rendered":"\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"680\" src=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2023\/08\/ARAD-1.jpg\" alt=\"\" class=\"wp-image-66919\" srcset=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2023\/08\/ARAD-1.jpg 1024w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2023\/08\/ARAD-1-300x199.jpg 300w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2023\/08\/ARAD-1-768x510.jpg 768w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>Atunci c\u00e2nd dore\u0219ti s\u0103 beneficiezi de un credit ipotecar, po\u021bi alege dintre dou\u0103 variante: fie te vei adresa pe cont propriu institu\u021biilor financiare, fie vei apela la un broker de credite. Prin colaborarea cu un astfel de specialist vei face o diferen\u021b\u0103 real\u0103 privind timpul alocat, eficien\u021ba procesului, dar \u0219i eliberarea presiunii cu privire la realizarea tuturor etapelor.<\/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-69db927bbb9b4\" 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-69db927bbb9b4\"  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-atributiile-unui-broker-de-credit_db\/#Cu_ce_se_ocupa_un_broker_de_credite\" >Cu ce se ocup\u0103 un broker de credite?<\/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-atributiile-unui-broker-de-credit_db\/#La_ce_te_ajuta_un_broker_de_credite\" >La ce te ajut\u0103 un broker de credite?<\/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-atributiile-unui-broker-de-credit_db\/#Beneficiaza_gratuit_de_serviciile_unui_broker_de_credite\" >Beneficiaz\u0103 gratuit de serviciile unui broker de credite<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Cu_ce_se_ocupa_un_broker_de_credite\"><\/span><strong>Cu ce se ocup\u0103 un broker de credite?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Pe scurt, brokerul este liantul dintre consumator \u0219i finan\u021bator. Astfel, indiferent dac\u0103 vrei s\u0103 achizi\u021bionezi o locuin\u021b\u0103 sau dore\u0219ti s\u0103 refinan\u021bezi un credit, specialistul te va ajuta s\u0103 g\u0103se\u0219ti op\u021biunea potrivit\u0103 pentru nevoile tale. Este ilegal ca brokerul de credite s\u0103 perceap\u0103 clientului chiar \u0219i cel mai mic cost pentru serviciile prestate. Acest lucru se \u00eent\u00e2mpl\u0103 deoarece specialistul este pl\u0103tit de c\u0103tre b\u0103ncile intermediare, pe baza num\u0103rului de contracte \u00eencheiate. Activitatea sa este reglementat\u0103 din anul 2016,&nbsp; prin OUG 52 \/ 2016, prin care se instituie Autoritatea de Avizare si Control (ANPC).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"La_ce_te_ajuta_un_broker_de_credite\"><\/span><strong>La ce te ajut\u0103 un broker de credite?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Pentru \u00eenceput, brokerul va discuta cu tine \u0219i va analiza apoi care sunt nevoile tale \u0219i ce tip de credit este potrivit pentru tine. Apoi va calcula un scoring preliminar, iar \u00een func\u021bie de acesta va realiza un top trei al op\u021biunilor potrivite pentru tine.<\/p>\n\n\n\n<p>\u00cen urm\u0103torul pas, specialistul \u00ee\u021bi va oferi informa\u021bii complete despre ofertele alese, precum c\u00e2t va costa creditul sau c\u00e2nd \u00eel vei putea achita integral. Dup\u0103 aceast\u0103 etap\u0103, el se va ocupa de dosarul de creditare, verific\u00e2ndu-l dac\u0103 este complet \u0219i dac\u0103 poate fi trimis mai departe c\u0103tre banc\u0103. Dac\u0103 dosarul este bine elaborat \u0219i complet, vei avea \u0219anse mult mai mari de a primi creditul.<\/p>\n\n\n\n<p>P\u00e2n\u0103 la aprobarea dosarului, brokerul de credite va analiza clauzele contractuale \u0219i totodat\u0103 \u00ee\u021bi va oferi informa\u021bii complete despre drepturile \u0219i obliga\u021biile pe care le vei avea. \u00cen cazul \u00een care vor ap\u0103rea nout\u0103\u021bi cu privire la evolu\u021bia dosarului, acesta te va anun\u021ba \u00een timp util. Ba chiar mai mult, acest specialist poate negocia pentru tine costurile sau termenii contractuali, astfel \u00eenc\u00e2t s\u0103 beneficiezi de cea mai bun\u0103 variant\u0103.<\/p>\n\n\n\n<p>Brokerul se va adapta \u00een func\u021bie de rezultatul dosarului de credit, pentru ca tu s\u0103 beneficiezi de cele mai bune solu\u021bii. Dac\u0103 dosarul este aprobat, specialistul va participa inclusiv la etapa semn\u0103rii contractului, pentru a se asigura c\u0103 totul se desf\u0103\u0219oar\u0103 conform a\u0219tept\u0103rilor tale.<\/p>\n\n\n\n<p>Desigur, nu este obligatoriu s\u0103 colaborezi cu un broker de credite pentru a ob\u021bine \u00eemprumutul, \u00eens\u0103 este recomandat s\u0103 o faci pentru a beneficia de cea mai bun\u0103 op\u021biune pentru nevoile tale. \u00cenc\u0103 de la procesul de selectare a op\u021biunii de finan\u021bare, p\u00e2n\u0103 la etapa de negociere, acesta va reprezenta interesele tale, nu ale b\u0103ncii.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Beneficiaza_gratuit_de_serviciile_unui_broker_de_credite\"><\/span><strong>Beneficiaz\u0103 gratuit de serviciile unui broker de credite<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u00ce\u021bi oferim complet gratuit, f\u0103r\u0103 nici un cost ascuns, posibilitatea de a ob\u021bine finan\u021bare printr-un broker de credit.&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 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 beneficiezi de un credit ipotecar, po\u021bi alege dintre dou\u0103 variante: fie te vei adresa pe cont propriu institu\u021biilor financiare, fie vei apela la un broker de credite. Prin colaborarea cu un astfel de specialist vei face o diferen\u021b\u0103 real\u0103 privind timpul alocat, eficien\u021ba procesului, dar \u0219i eliberarea presiunii cu privire la [&hellip;]<\/p>\n","protected":false},"author":842160,"featured_media":66919,"comment_status":"open","ping_status":"open","sticky":true,"template":"","format":"standard","meta":{"footnotes":""},"categories":[259],"tags":[],"content_author":[],"class_list":["post-66918","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","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 atribu\u021biile unui broker de credit? - \u0218tiri - ImoExpert<\/title>\n<meta name=\"description\" content=\"Atunci c\u00e2nd dore\u0219ti s\u0103 beneficiezi de un credit ipotecar, po\u021bi alege dintre dou\u0103 variante: fie te vei adresa pe cont propriu institu\u021biilor financiare, fie\" \/>\n<meta name=\"robots\" content=\"index, follow\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.imobiliare.ro\/imoexpert\/care-sunt-atributiile-unui-broker-de-credit_db\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Care sunt atribu\u021biile unui broker de credit?\" \/>\n<meta property=\"og:description\" content=\"Atunci c\u00e2nd dore\u0219ti s\u0103 beneficiezi de un credit ipotecar, po\u021bi alege dintre dou\u0103 variante: fie te vei adresa pe cont propriu institu\u021biilor financiare, fie\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.imobiliare.ro\/imoexpert\/care-sunt-atributiile-unui-broker-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=\"2023-08-02T06:14:49+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2023\/08\/ARAD-1.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1024\" \/>\n\t<meta property=\"og:image:height\" content=\"680\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\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\/care-sunt-atributiile-unui-broker-de-credit_db\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.imobiliare.ro\/imoexpert\/care-sunt-atributiile-unui-broker-de-credit_db\/\"},\"author\":{\"name\":\"Alexandra Manolache\",\"@id\":\"https:\/\/www.imobiliare.ro\/imoexpert\/#\/schema\/person\/f3350e4786cf9f97888b908d7a00105c\"},\"headline\":\"Care sunt atribu\u021biile unui broker de credit?\",\"datePublished\":\"2023-08-02T06:14:49+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.imobiliare.ro\/imoexpert\/care-sunt-atributiile-unui-broker-de-credit_db\/\"},\"wordCount\":553,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.imobiliare.ro\/imoexpert\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.imobiliare.ro\/imoexpert\/care-sunt-atributiile-unui-broker-de-credit_db\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2023\/08\/ARAD-1.jpg\",\"articleSection\":[\"\u0218tiri\"],\"inLanguage\":\"en\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.imobiliare.ro\/imoexpert\/care-sunt-atributiile-unui-broker-de-credit_db\/#respond\"]}],\"copyrightYear\":\"2023\",\"copyrightHolder\":{\"@id\":\"https:\/\/www.imobiliare.ro\/imoexpert\/#organization\"}},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.imobiliare.ro\/imoexpert\/care-sunt-atributiile-unui-broker-de-credit_db\/\",\"url\":\"https:\/\/www.imobiliare.ro\/imoexpert\/care-sunt-atributiile-unui-broker-de-credit_db\/\",\"name\":\"Care sunt atribu\u021biile unui broker de credit? 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