{"id":67248,"date":"2023-08-30T14:19:09","date_gmt":"2023-08-30T11:19:09","guid":{"rendered":"https:\/\/www.imobiliare.ro\/imoexpert\/?p=67248"},"modified":"2023-08-30T14:19:09","modified_gmt":"2023-08-30T11:19:09","slug":"cum-sa-obtii-ajutor-gratuit-in-alegerea-creditului-potrivit-cine-sunt-brokerii-de-credite-si-de-ce-serviciile-lor-nu-te-costa-nimic","status":"publish","type":"post","link":"https:\/\/www.imobiliare.ro\/imoexpert\/cum-sa-obtii-ajutor-gratuit-in-alegerea-creditului-potrivit-cine-sunt-brokerii-de-credite-si-de-ce-serviciile-lor-nu-te-costa-nimic_db\/","title":{"rendered":"Cum s\u0103 ob\u021bii ajutor gratuit \u00een alegerea creditului potrivit \u2013 cine sunt brokerii de credite \u0219i de ce serviciile lor nu te cost\u0103 nimic"},"content":{"rendered":"\n
\"\"<\/figure>\n\n\n\n

\u00cen Europa, peste 50% dintre cei care doresc s\u0103 acceseze un \u00eemprumut solicit\u0103 asisten\u021b\u0103 din partea unui expert. \u00cen Rom\u00e2nia, procentul se situeaz\u0103 \u00eentre 25-30%, \u00een cre\u0219tere fa\u021b\u0103 de anii anteriori, \u00eens\u0103 semnificativ mai mic dec\u00e2t media european\u0103.<\/strong><\/p>\n\n\n\n

Acest lucru nu este deloc surprinz\u0103tor, av\u00e2nd \u00een vedere c\u0103, industria de brokeraj din Rom\u00e2nia a fost reglementat\u0103 prin lege abia \u00een 2016<\/strong> \u0219i este \u00eenc\u0103 o industrie t\u00e2n\u0103r\u0103. Majoritatea celor care doresc s\u0103 ob\u021bin\u0103 un \u00eemprumut nu \u0219tiu c\u0103 pot avea parte de ajutor specializat prin colaborarea cu un broker de credite. \u0218i c\u0103 acest serviciu este cu totul gratuit<\/strong>. Sau, dac\u0103 au auzit de aceast\u0103 posibilitate, au anumite re\u021bineri \u00een a \u00eencepe o astfel de colaborare.<\/p>\n\n\n\n

\u00cen continuare, vom explora ce presupune rolul unui broker de credite, cum a evoluat aceast\u0103 profesie la noi \u00een \u021bar\u0103 \u0219i de ce serviciile brokerilor sunt gratuite pentru clien\u021bi.<\/p>\n\n\n\n

Cine sunt brokerii de credite \u00een Rom\u00e2nia?<\/strong><\/p>\n\n\n\n

\u00cen esen\u021b\u0103, un broker de credite este un intermediar<\/strong> care cunoa\u0219te foarte bine oferta de produse financiare bancare \u0219i non-bancare din pia\u021b\u0103. Scopul lui este acela de a te ajuta s\u0103 ob\u021bii creditul potrivit nevoilor tale<\/strong>, \u00een cele mai avantajoase condi\u021bii.<\/strong><\/p>\n\n\n\n

\u00cen Rom\u00e2nia, activitatea de broker de credite a fost reglementat\u0103 prin Ordonan\u021ba de Urgen\u021b\u0103 nr. 52\/2016<\/strong>, conform directivei UE nr. 17\/2014. Unul dintre principalele obiective ale ordonan\u021bei a fost acela de a asigura un mai mare grad de protec\u021bie a consumatorilor \u00een privin\u021ba contractelor de credit <\/strong>\u2013 un cadru legislativ fiind de mult o necesitate la momentul respectiv.<\/p>\n\n\n\n

Conform acestei legi, nu poate deveni broker de credite dec\u00e2t acea persoan\u0103 care are experien\u021b\u0103 \u00een domeniul financiar-bancar \u0219i\/sau studii superioare \u00een domeniu<\/strong>. \u00cen caz contrar, nu se poate autoriza prin \u00eenregistrarea la A.N.P.C. (Autoritatea Na\u021bional\u0103 pentru Protec\u021bia Consumatorului) \u0219i nu poate intermedia credite cu valoare mare, precum cele ipotecare.<\/p>\n\n\n\n

\u00cen prezent, o mare parte dintre brokerii de credite sunt fo\u0219ti angaja\u021bi ai b\u0103ncilor, care au ales s\u0103 se dedice acestei activit\u0103\u021bi ca liber profesioni\u0219ti.<\/p>\n\n\n\n

Cum func\u021bioneaz\u0103 o firm\u0103 de intermediere de credite?<\/strong><\/p>\n\n\n\n

Pe m\u0103sur\u0103 ce oferta de produse financiare a devenit tot mai divers\u0103 \u0219i complex\u0103, a crescut \u0219i nevoia de a avea speciali\u0219ti \u00een intermedierea de credite. De\u0219i t\u00e2rzie, reglementarea acestei industrii \u00een Rom\u00e2nia a condus la adoptarea unor practici mai coerente, mai transparente \u0219i mai sigure pentru toate p\u0103r\u021bile implicate.<\/strong><\/p>\n\n\n\n

Drept urmare, \u00een ultimii ani, num\u0103rul celor care aleg s\u0103 colaboreze cu un broker de credite a crescut semnificativ, at\u00e2t \u00een r\u00e2ndul institu\u021biilor financiare, c\u00e2t \u0219i \u00een r\u00e2ndul persoanelor fizice. Cererea a dus \u0219i la cre\u0219terea num\u0103rului de profesioni\u0219ti care aleg s\u0103-\u0219i \u00eenfiin\u021beze propria firm\u0103 de intermediere de credite sau s\u0103 se afilieze uneia \u00een regim de franciz\u0103.<\/p>\n\n\n\n

Pentru a putea activa, o firm\u0103 de intermediere de credite are nevoie de acredit\u0103ri de func\u021bionare<\/strong>, care se transfer\u0103 c\u0103tre brokerii firmei respective. Altfel zis, brokerii trebuie s\u0103 fie autoriza\u021bi<\/strong> pentru a se putea organiza ca franciz\u0103 a companiei respective \u0219i pentru a-\u0219i putea deservi clien\u021bii.<\/p>\n\n\n\n

De\u0219i au autonomie \u00een organizarea propriei activit\u0103\u021bi, prin afilierea la o companie, brokerii de credite au multiple avantaje: o infrastructur\u0103 bine pus\u0103 la punct<\/strong> \u00een slujba clientului, parteneriate solide cu institu\u021biile financiare<\/strong> \u0219i o re\u021bea extins\u0103 de contacte<\/strong> \u00een centralele \u0219i sucursalele b\u0103ncilor<\/strong>.<\/p>\n\n\n\n

Tocmai datorit\u0103 apartenen\u021bei lor la o asemenea infrastructur\u0103, brokerii pot ob\u021bine acces instant la numeroase oferte de creditare, dar \u0219i asisten\u021b\u0103 din partea unui departament juridic \u0219i\/sau de procesare, ceea ce eficientizeaz\u0103 procesul de \u00eentocmire \u0219i aprobare a unui dosar de credit pentru clien\u021bii lor.<\/p>\n\n\n\n

De ce sunt gratuite serviciile unui broker de credite?<\/strong><\/p>\n\n\n\n

\u00cen lipsa unor reglement\u0103ri timpurii, activitatea brokerilor de credite se confrunt\u0103 cu ne\u00eencrederea oamenilor c\u0103 acest serviciu ofer\u0103 ceea ce promite. Un alt motiv este acela c\u0103 intermedierea de credite nu presupune niciun cost din partea clien\u021bilor<\/strong>, ceea ce poate ridica suspiciuni \u2013 pe principiul \u2018dac\u0103 e gratis acum, sigur voi pl\u0103ti mai t\u00e2rziu\u2019.<\/p>\n\n\n\n

\u00cen realitate, serviciile de brokeraj de credite sunt cu totul gratuite pentru consumatori. Ba mai mult, \u00een Rom\u00e2nia, brokerilor le este interzis prin lege s\u0103 perceap\u0103 clien\u021bilor orice fel de comision. <\/strong><\/p>\n\n\n\n

De ce nu le este permis brokerilor s\u0103 taxeze clien\u021bii? Brokerii presteaz\u0103 servicii \u00een egal\u0103 m\u0103sur\u0103 pentru clien\u021bi, dar \u0219i pentru b\u0103ncile \u0219i institu\u021biile financiare din portofoliul lor. Prin aducerea de clien\u021bi eligibili \u0219i \u00eentocmirea documenta\u021biei pentru ob\u021binerea de credite, brokerii salveaz\u0103 b\u0103ncile de costuri suplimentare cu personalul<\/strong>. <\/p>\n\n\n\n

Cu o ofert\u0103 \u00een cre\u0219tere, b\u0103ncile \u0219i institu\u021biile financiare nebancare au nevoie de acest canal alternativ de v\u00e2nzare pentru a atrage clien\u021bi. La r\u00e2ndul lor, clien\u021bii au nevoie de suport \u00een <\/strong>navigarea labirintului de op\u021biuni \u0219i alegerea responsabil\u0103 a celei mai potrivite oferte de creditare <\/strong>\u2013 nevoie care a stat la baza adopt\u0103rii prin lege a gratuit\u0103\u021bii serviciilor de brokeraj pentru consumatori. <\/p>\n\n\n\n

Rolul brokerilor pe pia\u021ba intermedierii de credite din Rom\u00e2nia este din ce \u00een ce mai esen\u021bial, iar gradul de \u00eencredere \u00een serviciile lor este \u0219i el \u00een cre\u0219tere, odat\u0103 cu adoptarea unor practici mai transparente.<\/p>\n\n\n\n

\u00cen prezent, un broker de credite \u00ee\u021bi poate oferi un ajutor valoros, f\u0103r\u0103 niciun cost<\/strong>. Dac\u0103 e\u0219ti \u00een c\u0103utarea unei solu\u021bii de finan\u021bare pentru achizi\u021bia unei propriet\u0103\u021bi imobiliare sau ai nevoie de un \u00eemprumut, colaborarea cu un expert \u00een creditare poate fi o cale mai sigur\u0103 \u0219i mai u\u0219oar\u0103 de a ob\u021bine creditul potrivit.  <\/p>\n","protected":false},"excerpt":{"rendered":"

\u00cen Europa, peste 50% dintre cei care doresc s\u0103 acceseze un \u00eemprumut solicit\u0103 asisten\u021b\u0103 din partea unui expert. \u00cen Rom\u00e2nia, procentul se situeaz\u0103 \u00eentre 25-30%, \u00een cre\u0219tere fa\u021b\u0103 de anii anteriori, \u00eens\u0103 semnificativ mai mic dec\u00e2t media european\u0103. Acest lucru nu este deloc surprinz\u0103tor, av\u00e2nd \u00een vedere c\u0103, industria de brokeraj din Rom\u00e2nia a fost […]<\/p>\n","protected":false},"author":915138,"featured_media":67249,"comment_status":"open","ping_status":"open","sticky":true,"template":"","format":"standard","meta":{"footnotes":""},"categories":[259],"tags":[1159,294],"content_author":[],"class_list":{"0":"post-67248","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-stiri","8":"tag-broker-credite","9":"tag-credite-2"},"yoast_head":"\nCum s\u0103 ob\u021bii ajutor gratuit \u00een alegerea creditului potrivit \u2013 cine sunt brokerii de credite \u0219i de ce serviciile lor nu te cost\u0103 nimic - \u0218tiri - ImoExpert<\/title>\n<meta name=\"description\" content=\"\u00cen Europa, peste 50% dintre cei care doresc s\u0103 acceseze un \u00eemprumut solicit\u0103 asisten\u021b\u0103 din partea unui expert. \u00cen Rom\u00e2nia, procentul se 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