{"id":67566,"date":"2023-09-26T12:47:37","date_gmt":"2023-09-26T09:47:37","guid":{"rendered":"https:\/\/www.imobiliare.ro\/imoexpert\/?p=67566"},"modified":"2023-09-26T12:47:37","modified_gmt":"2023-09-26T09:47:37","slug":"5-pasi-esentiali-pentru-achizitionarea-unei-locuinte-prin-credit-ipotecar","status":"publish","type":"post","link":"https:\/\/www.imobiliare.ro\/imoexpert\/5-pasi-esentiali-pentru-achizitionarea-unei-locuinte-prin-credit-ipotecar_db\/","title":{"rendered":"5 pa\u0219i esen\u021biali pentru achizi\u021bionarea unei locuin\u021be prin credit ipotecar"},"content":{"rendered":"\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2023\/09\/medium-shot-blurry-couple-indoors-2-1024x683.jpg\" alt=\"\" class=\"wp-image-67567\" srcset=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2023\/09\/medium-shot-blurry-couple-indoors-2-1024x683.jpg 1024w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2023\/09\/medium-shot-blurry-couple-indoors-2-300x200.jpg 300w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2023\/09\/medium-shot-blurry-couple-indoors-2-768x512.jpg 768w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2023\/09\/medium-shot-blurry-couple-indoors-2-1536x1024.jpg 1536w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2023\/09\/medium-shot-blurry-couple-indoors-2-2048x1365.jpg 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>Mai mult dec\u00e2t un \u00eemprumut, <strong>un credit ipotecar poate fi un instrument util prin care s\u0103-\u021bi \u00eendepline\u0219ti obiectivele f\u0103r\u0103 a te bloca financiar.<\/strong> Iat\u0103 5 pa\u0219i esen\u021biali de urmat, dac\u0103 te-ai hot\u0103r\u00e2t s\u0103 \u00ee\u021bi achizi\u021bionezi propria locuin\u021b\u0103 sau s\u0103 faci o investi\u021bie imobiliar\u0103 prin intermediul 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-69e1a710832be\" 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-69e1a710832be\"  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\/5-pasi-esentiali-pentru-achizitionarea-unei-locuinte-prin-credit-ipotecar_db\/#De_ce_sa_optezi_pentru_un_credit_ipotecar\" >De ce s\u0103 optezi pentru 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\/5-pasi-esentiali-pentru-achizitionarea-unei-locuinte-prin-credit-ipotecar_db\/#Cum_sa_accesezi_un_credit_ipotecar\" >Cum s\u0103 accesezi un credit ipotecar?<\/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\/5-pasi-esentiali-pentru-achizitionarea-unei-locuinte-prin-credit-ipotecar_db\/#1_Verifica_daca_indeplinesti_conditiile_de_eligibilitate\" >1. Verific\u0103 dac\u0103 \u00eendepline\u0219ti condi\u021biile de eligibilitate<\/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\/5-pasi-esentiali-pentru-achizitionarea-unei-locuinte-prin-credit-ipotecar_db\/#2_Pune_deoparte_bani_pentru_avans\" >2. Pune deoparte bani pentru avans<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.imobiliare.ro\/imoexpert\/5-pasi-esentiali-pentru-achizitionarea-unei-locuinte-prin-credit-ipotecar_db\/#3_Fa_o_evaluare_corecta_a_situatiei_tale_financiare\" >3. F\u0103 o evaluare corect\u0103 a situa\u021biei tale financiare<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.imobiliare.ro\/imoexpert\/5-pasi-esentiali-pentru-achizitionarea-unei-locuinte-prin-credit-ipotecar_db\/#4_Fa_o_simulare_de_credit_ipotecar\" >4. F\u0103 o simulare de credit ipotecar<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.imobiliare.ro\/imoexpert\/5-pasi-esentiali-pentru-achizitionarea-unei-locuinte-prin-credit-ipotecar_db\/#5_Obtine_creditul_potrivit_nevoilor_tale\" >5. Ob\u021bine creditul potrivit nevoilor tale<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"De_ce_sa_optezi_pentru_un_credit_ipotecar\"><\/span><strong>De ce s\u0103 optezi pentru un credit ipotecar?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>S\u0103 presupunem c\u0103 dore\u0219ti s\u0103 achizi\u021bionezi o proprietate. Cu toate acestea, <strong>nu ai acum toat\u0103 suma necesar\u0103 \u0219i nu po\u021bi a\u0219tepta p\u00e2n\u0103 c\u00e2nd reu\u0219e\u0219ti s\u0103 o str\u00e2ngi. <\/strong>Sau, dimpotriv\u0103, dispui de fonduri, \u00eens\u0103 <strong>nu vrei s\u0103-\u021bi blochezi to\u021bi banii \u00eentr-o singur\u0103 achizi\u021bie. <\/strong>&nbsp;<\/p>\n\n\n\n<p>\u00cen ambele situa\u021bii, un credit ipotecar atent gestionat poate fi o strategie bun\u0103. Cu ajutorul acestui tip de finan\u021bare, po\u021bi dob\u00e2ndi o locuin\u021b\u0103 la momentul prezent, f\u0103r\u0103 a pune pe pauz\u0103 alte planuri sau investi\u021bii.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Cum_sa_accesezi_un_credit_ipotecar\"><\/span><strong>Cum s\u0103 accesezi un credit ipotecar?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Accesarea unui credit ipotecar presupune parcurgerea unor pa\u0219i care, f\u0103cu\u021bi \u00een ordinea corect\u0103, \u00ee\u021bi pot cre\u0219te semnificativ \u0219ansele de aprobare a \u00eemprumutului \u00een cele mai bune condi\u021bii. <strong>Iat\u0103 5 pa\u0219i esen\u021biali \u00een accesarea unui credit ipotecar care s\u0103 fie potrivit pentru tine:<\/strong><\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1_Verifica_daca_indeplinesti_conditiile_de_eligibilitate\"><\/span><strong>1. Verific\u0103 dac\u0103 \u00eendepline\u0219ti condi\u021biile de eligibilitate<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>Ca s\u0103 ob\u021bii un credit ipotecar va trebui s\u0103 \u00eendepline\u0219ti c\u00e2teva <strong>condi\u021bii de eligibilitate<\/strong>. \u00cen general, criteriile \u021bin cont de v\u00e2rsta ta, veniturile lunare, vechimea \u00een munc\u0103, vechimea la locul de munc\u0103 actual, plata unui avans minim \u0219i datoriile existente.<\/p>\n\n\n\n<p>Aceste condi\u021bii pot s\u0103 difere \u00een func\u021bie de institu\u021bia financiar\u0103 care acord\u0103 \u00eemprumutul, cu c\u00e2teva excep\u021bii: <strong>pentru accesarea unui credit ipotecar trebuie s\u0103 ai 18 ani \u00eemplini\u021bi, un venit lunar stabil \u0219i s\u0103 po\u021bi pl\u0103ti un avans minim.<\/strong><\/p>\n\n\n\n<p>Vestea bun\u0103 este c\u0103 pia\u021ba credit\u0103rii e plin\u0103 de oferte. Asta \u00eenseamn\u0103 c\u0103 ai \u0219anse reale s\u0103 g\u0103se\u0219ti o banc\u0103 dispus\u0103 s\u0103 te crediteze conform cu situa\u021bia ta.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2_Pune_deoparte_bani_pentru_avans\"><\/span><strong>2. Pune deoparte bani pentru avans<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>Asigur\u0103-te c\u0103 pui deoparte din timp suma necesar\u0103 pentru un avans minim. <strong>Avansul \u00eencepe de obicei de la 15% din valoarea propriet\u0103\u021bii <\/strong>pentru creditele \u00een lei \u0219i 25% pentru creditele \u00een euro. \u00cen cazul anumitor credite prin programul Noua Cas\u0103, avansul poate fi \u0219i de 5%.<br><br>Dac\u0103 situa\u021bia \u00ee\u021bi permite, <strong>recomandarea este s\u0103 achi\u021bi din start un avans c\u00e2t mai mare<\/strong>. Astfel, vei ajunge s\u0103 \u00eemprumu\u021bi o sum\u0103 mai mic\u0103 \u0219i s\u0103 pl\u0103te\u0219ti mai pu\u021bin\u0103 dob\u00e2nd\u0103 \u00een total.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"3_Fa_o_evaluare_corecta_a_situatiei_tale_financiare\"><\/span><strong>3. F\u0103 o evaluare corect\u0103 a situa\u021biei tale financiare<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>Ia \u00een considerare toate veniturile \u0219i cheltuielile tale lunare. F\u0103-o cu sinceritate \u0219i nu exclude nici posibile situa\u021bii nefericite, cum ar fi pierderea locului de munc\u0103 sau \u00eemboln\u0103virea. Trage linie \u0219i calculeaz\u0103 ce rat\u0103 vei putea pl\u0103ti lunar pentru un credit ipotecar.<br><br>Indiferent de suma \u00eemprumutat\u0103, <strong>rata lunar\u0103 nu poate fi mai mare de 40% din suma veniturilor tale nete.<\/strong> Cu c\u00e2t gradul t\u0103u de \u00eendatorare este mai sc\u0103zut, cu at\u00e2t mai protejat vei fi \u00een cazul unor cre\u0219teri ale infla\u021biei.<strong> Dac\u0103 nu te \u00eencadrezi, o solu\u021bie este aceea de a avea un copl\u0103titor al creditului <\/strong>\u2013 o persoan\u0103 de \u00eencredere din familie sau partenerul de via\u021b\u0103. Astfel, vor fi luate \u00een calcul veniturile voastre combinate.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"4_Fa_o_simulare_de_credit_ipotecar\"><\/span><strong>4. F\u0103 o simulare de credit ipotecar<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>Instrumente precum<a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/credite-ipotecare#calculator_suma_eligibila\"> <strong><em>calculatorul de sum\u0103 eligibil\u0103<\/em><\/strong><\/a> \u0219i<a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/credite-ipotecare#calculator_credit\"> <strong><em>simulatorul de credit ipotecar<\/em><\/strong><\/a> te pot ajuta s\u0103-\u021bi faci o idee mai clar\u0103 despre suma pe care o po\u021bi \u00eemprumuta. Pe l\u00e2ng\u0103 venituri, acest calcul are \u00een vedere \u0219i al\u021bi factori, precum valoarea avansului, v\u00e2rsta ta, dar \u0219i dob\u00e2nda creditului. <br><br>Aten\u021bie, \u00eens\u0103. Rezultatul simul\u0103rii va fi doar o estimare a sumei maxime de creditare. Vrei s\u0103 \u0219tii precis ce sum\u0103 po\u021bi lua de la banc\u0103?<strong> Un broker de credite te poate ajuta gratuit s\u0103 ob\u021bii o preaprobare, dar \u0219i s\u0103 \u00ee\u021bi cre\u0219ti scorul de credit<\/strong> \u00eenainte s\u0103 aplici oficial pentru o finan\u021bare.<br><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"5_Obtine_creditul_potrivit_nevoilor_tale\"><\/span><strong>5. Ob\u021bine creditul potrivit nevoilor tale<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>Condi\u021biile pe care le bifezi, bugetul \u0219i obiectivele tale sunt criterii importante \u00een alegerea unui credit ipotecar potrivit pentru tine.<\/p>\n\n\n\n<p>La nivel European, majoritatea ofertelor se ob\u021bin<strong> cu<\/strong> <strong>ajutorul unui<\/strong> <strong>broker de credite. <\/strong>Misiunea lui este de a-\u021bi prezenta oferte personalizate \u0219i de a te ajuta pe tot parcursul procesului de creditare. <strong>Un broker de credite<\/strong> <strong>selecteaz\u0103 cele mai bune oferte \u00een func\u021bie de situa\u021bia ta, preg\u0103te\u0219te dosarul de creditare \u0219i negociaz\u0103 direct cu banca \u00een interesul t\u0103u.<\/strong><\/p>\n\n\n\n<p>Colaborarea cu un astfel de specialist este, a\u0219adar, un pas esen\u021bial, care \u00ee\u021bi aduce numeroase beneficii. Printre ele, se num\u0103r\u0103 scurtarea timpului de ob\u021binere a creditului \u0219i alegerea celei mai avantajoase oferte de finan\u021bare.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p>Parcurg\u00e2nd ace\u0219ti pa\u0219i \u00een ordine, te vei putea orienta cu mai mare u\u0219urin\u021b\u0103 c\u0103tre un credit ipotecar adaptat nevoilor tale. Dac\u0103 vrei s\u0103 ai parte de \u00eendrumare, <strong>po\u021bi ob\u021bine ajutor gratuit din partea unui broker de credite, prin intermediul<\/strong><a class=\"article-body-links\"href=\"https:\/\/finance.imobiliare.ro\/\"><strong> Imobiliare.ro Finance<\/strong><\/a><strong>.<\/strong><br><br>Ai acces instant la oferte personalizate de la peste 30 de b\u0103nci \u0219i institu\u021bii financiare, cu cele mai bune dob\u00e2nzi de la ora actual\u0103.<strong> <\/strong>Afl\u0103 mai multe<a class=\"article-body-links\"href=\"https:\/\/finance.imobiliare.ro\/\"> aici<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Mai mult dec\u00e2t un \u00eemprumut, un credit ipotecar poate fi un instrument util prin care s\u0103-\u021bi \u00eendepline\u0219ti obiectivele f\u0103r\u0103 a te bloca financiar. Iat\u0103 5 pa\u0219i esen\u021biali de urmat, dac\u0103 te-ai hot\u0103r\u00e2t s\u0103 \u00ee\u021bi achizi\u021bionezi propria locuin\u021b\u0103 sau s\u0103 faci o investi\u021bie imobiliar\u0103 prin intermediul unui credit ipotecar. De ce s\u0103 optezi pentru un credit [&hellip;]<\/p>\n","protected":false},"author":915138,"featured_media":67567,"comment_status":"open","ping_status":"open","sticky":true,"template":"","format":"standard","meta":{"footnotes":""},"categories":[263,259],"tags":[2202,277,2203],"content_author":[],"class_list":["post-67566","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credite","category-stiri","tag-credit-casa","tag-credit-ipotecar","tag-credit-locuinta"],"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>5 pa\u0219i esen\u021biali pentru achizi\u021bionarea unei locuin\u021be prin credit ipotecar - Credite, \u0218tiri - ImoExpert<\/title>\n<meta name=\"description\" content=\"Mai mult dec\u00e2t un \u00eemprumut, un credit ipotecar poate fi un instrument util prin care s\u0103-\u021bi \u00eendepline\u0219ti obiectivele f\u0103r\u0103 a te bloca financiar. 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