{"id":68184,"date":"2023-11-23T16:52:36","date_gmt":"2023-11-23T14:52:36","guid":{"rendered":"https:\/\/www.imobiliare.ro\/imoexpert\/?p=68184"},"modified":"2023-11-23T16:52:36","modified_gmt":"2023-11-23T14:52:36","slug":"refinantez-sau-nu-creditul-situatii-in-care-ai-de-castigat-si-capcane-in-care-poti-sa-cazi-fara-ajutorul-unui-broker-profesionist","status":"publish","type":"post","link":"https:\/\/www.imobiliare.ro\/imoexpert\/refinantez-sau-nu-creditul-situatii-in-care-ai-de-castigat-si-capcane-in-care-poti-sa-cazi-fara-ajutorul-unui-broker-profesionist_db\/","title":{"rendered":"Refinan\u021bez sau nu creditul? Situa\u021bii \u00een care ai de c\u00e2\u0219tigat \u0219i capcane \u00een care po\u021bi s\u0103 cazi f\u0103r\u0103 ajutorul unui broker profesionist"},"content":{"rendered":"\n<iframe loading=\"lazy\" style=\"height: 396px!important;\" src=\"https:\/\/www.youtube.com\/embed\/RWPsb-J7N5Y?si=mBj6q2mix-so_La8\" title=\"YouTube video player\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" allowfullscreen=\"\" width=\"792\" height=\"396\" frameborder=\"0\"><\/iframe>\n\n\n\n<p><strong>Refinan\u021barea a fost cuv\u00e2ntul de ordine pe parcursul lui 2023. Odat\u0103 cu ofertele de dob\u00e2nd\u0103 fix\u0103 tot mai atractive venite din partea b\u0103ncilor, mul\u021bi dintre rom\u00e2ni au optat pentru aceast\u0103 variant\u0103 \u00een dorin\u021ba de a-\u0219i gestiona mai bine cheltuielile. Au ajuns s\u0103 se refinan\u021beze, astfel, inclusiv credite accesate cu cel mult trei ani \u00een urm\u0103.<\/strong><\/p>\n\n\n\n<p>\u00cen func\u021bie de situa\u021bia cu care te confrun\u021bi \u0219i de obiectivele pe care le ai at\u00e2t pe termen scurt, c\u00e2t \u0219i pe termen lung, refinan\u021barea ar putea fi o op\u021biune avantajoas\u0103 \u0219i pentru tine. Iat\u0103 c\u00e2teva cazuri concrete \u00een care merit\u0103 s\u0103 faci acest pas din recomand\u0103rile brokerilor <a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/credite-ipotecare#calculator_credit\"><strong>Imobiliare.ro Finance<\/strong><\/a>.<\/p>\n\n\n\n<p class=\"has-medium-font-size\"><strong>Profi\u021bi de dob\u00e2nzi mai mici \u0219i faci economii<\/strong><\/p>\n\n\n\n<p>Dac\u0103 <strong>rata dob\u00e2nzi a sc\u0103zut<\/strong> de la momentul acces\u0103rii creditului, refinan\u021barea poate s\u0103 te ajute s\u0103 economise\u0219ti bani pe termen lung.&nbsp;<\/p>\n\n\n\n<p>\u201cB\u0103ncile s-au aliniat, \u00een momentul de fa\u021b\u0103, \u00een privin\u021ba dob\u00e2nzilor fixe, acestea \u00eencep\u00e2nd de la 5,75% \u00een primii trei ani, deci o valoare sub cea aferent\u0103 IRCC, de 5,96%\u201d, ne explic\u0103 Mirela Vasile, expert financiar Imobiliare.ro Finance.<\/p>\n\n\n\n<p>Pe parcursul anului 2023, au apelat la refinan\u021b\u0103ri chiar \u0219i persoane care au luat \u00eemprumuturi prin intermediul <strong>programului guvernamental Prima Cas\u0103<\/strong>, actualul Noua Cas\u0103. Acesta dispunea ini\u021bial de cea mai mic\u0103 marj\u0103 de credit.<\/p>\n\n\n\n<p>\u201cClien\u021bii au trecut de la o dob\u00e2nd\u0103 de aproximativ 9% la o dob\u00e2nd\u0103 de 5,9% la lei sau 5% la euro. A fost foarte avantajos pentru c\u0103 \u00een acest fel au avut posibilitatea de <strong>a reduce perioada de credit p\u00e2n\u0103 la 6-7 ani p\u0103str\u00e2nd aceea\u0219i rat\u0103 <\/strong>sau <strong>\u0219i-au diminuat rata cu peste 100 euro\/lun\u0103<\/strong>. Costul economisit pentru un an, \u00een func\u021bie de soldul creditului, se reg\u0103se\u0219te undeva \u00eentre <strong>3.000-10.000 de euro<\/strong>\u201d, ne spune \u0219i C\u0103t\u0103lina Roibu, expert financiar Imobiliare.ro Finance, din propriile interac\u021biuni avute cu cei care \u0219i-au dorit s\u0103 ob\u021bin\u0103 \u00een 2023 o refinan\u021bare.<\/p>\n\n\n\n<p>Po\u021bi s\u0103 <strong>depui banii pe care altfel i-ai fi achitat lunar pe rat\u0103 \u00eentr-un depozit<\/strong>. S\u0103 lu\u0103m un exemplu concret. Dac\u0103 \u00een momentul de fa\u021b\u0103 ai un credit cu un sold de 300.000 de lei luat pe o perioad\u0103 de 25 de ani, cu o rat\u0103 lunar\u0103 de 2.450 de lei (marj\u0103 2,7% + IRCC 5,96%), \u00een cazul \u00een care refinan\u021bezi creditul pe aceea\u0219i perioad\u0103 de timp, cu o dob\u00e2nd\u0103 fix\u0103 de 5,9% pe 3 ani, rata ar urma s\u0103 scad\u0103 la 1.914 lei, ceea ce se traduce \u00eentr-o sc\u0103dere a cheltuielilor lunare de 536 de lei.&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"681\" src=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2023\/11\/SMM_0803-6-1024x681.jpg\" alt=\"\" class=\"wp-image-68185\" srcset=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2023\/11\/SMM_0803-6-1024x681.jpg 1024w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2023\/11\/SMM_0803-6-300x200.jpg 300w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2023\/11\/SMM_0803-6-768x511.jpg 768w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2023\/11\/SMM_0803-6-1536x1022.jpg 1536w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2023\/11\/SMM_0803-6-2048x1362.jpg 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>\u201cDob\u00e2nda pe care o prime\u0219ti la un depozit este de la 7,01% pe an. A\u0219adar, nu doar c\u0103 economise\u0219ti cei 536 de lei pe lun\u0103 la rata creditului, dac\u0103 \u00ee\u021bi faci \u0219i un depozit c\u00e2\u0219tigi \u0219i o dob\u00e2nd\u0103 de aproximativ 7% pe an\u201d, detaliaz\u0103 brokerul Mirela Vasile, unul dintre cei peste 200 activi \u00een re\u021beaua Imobiliare.ro Finance la nivel na\u021bional. <a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/credite-ipotecare#calculator_credit\"><strong>Contacteaz\u0103 \u0219i tu un expert aici pentru a afla care este cea mai avantajoas\u0103 op\u021biune de refinan\u021bare de care po\u021bi profita.<\/strong><\/a><\/p>\n\n\n\n<p class=\"has-medium-font-size\"><strong>Reduci cheltuielile lunare \u0219i te bucuri de stabilitate financiar\u0103<\/strong><\/p>\n\n\n\n<p>O refinan\u021bare poate fi solu\u021bia cea mai bun\u0103 atunci c\u00e2nd <strong>ratele devin \u00eempov\u0103r\u0103toare<\/strong> sau veniturile nu-\u021bi mai permit s\u0103-\u021bi mai faci nici cele mai mici bucurii. C\u00e2nd sim\u021bi c\u0103 te \u201cstr\u00e2nge\u201d creditul, nu ai motive s\u0103 ezi\u021bi.&nbsp;<\/p>\n\n\n\n<p>\u201cEste p\u0103cat s\u0103 nu apelezi din timp la un specialist ce poate g\u0103si solu\u021bii care s\u0103-\u021bi ofere o relaxare financiar\u0103. <strong>Nu trebuie s\u0103 ajungi \u00een situa\u021bii \u00een care s\u0103 te confrun\u021bi cu \u00eent\u00e2rzieri, penaliz\u0103ri sau, mai r\u0103u, execut\u0103ri \u0219i popriri<\/strong>. \u00cen astfel de cazuri nimeni nu mai poate face nimic, iar datoriile se rostogolesc de la o lun\u0103 la alta ca un bulg\u0103re de z\u0103pad\u0103\u201d, spune C\u0103t\u0103lina Roibu.<\/p>\n\n\n\n<p>\u201cCum dob\u00e2nzile au crescut \u0219i \u00een cele mai multe cazuri veniturile au r\u0103mas la fel, situa\u021biile \u00een care refinan\u021barea a fost solu\u021bia necesar\u0103 au fost tot mai multe. La venituri de 5.000 de lei \u0219i rate de 4.000 de lei, nu mai po\u021bi face fa\u021b\u0103, dar o refinan\u021bare te poate scoate din \u00eencurc\u0103tur\u0103\u201d, adaug\u0103 brokerul Imobiliare.ro Finance.<\/p>\n\n\n\n<p><a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/credite-ipotecare#calculator_refinantare\"><strong>Dac\u0103 \u0219i tu te reg\u0103se\u0219ti \u00eentr-un astfel de scenariu, contacteaz\u0103 acum un specialist Imobiliare.ro Finance.<\/strong><\/a> Al\u0103turi de acesta po\u021bi s\u0103 g\u0103se\u0219ti solu\u021bia optim\u0103 pentru a ob\u021bine o stabilitate financiar\u0103 \u00een via\u021ba ta.<\/p>\n\n\n\n<p class=\"has-medium-font-size\"><strong>Ai \u00eemprumuturi la mai multe b\u0103nci \u0219i-\u021bi este dificil s\u0103 le \u021bii pe toate sub control<\/strong><\/p>\n\n\n\n<p>Refinan\u021barea poate fi utilizat\u0103 pentru consolidarea datoriilor. <strong>Po\u021bi s\u0103 scapi, astfel, de o dob\u00e2nd\u0103 mai mare la unul dintre credite, de comisioane sau de interac\u021biunea lunar\u0103 cu mai multe institu\u021bii financiare.&nbsp;<\/strong><\/p>\n\n\n\n<p>\u201cDac\u0103 ai dou\u0103 credite, de exemplu unul luat prin programul Noua Cas\u0103 \u0219i altul un credit ipotecar sau imobiliar, le po\u021bi refinan\u021ba \u00eentr-un singur \u00eemprumut\u201d, ne explic\u0103 expertul financiar Mirela Vasile.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"756\" src=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2023\/11\/SMM_0944-7-1024x756.jpg\" alt=\"\" class=\"wp-image-68189\" srcset=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2023\/11\/SMM_0944-7-1024x756.jpg 1024w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2023\/11\/SMM_0944-7-300x222.jpg 300w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2023\/11\/SMM_0944-7-768x567.jpg 768w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2023\/11\/SMM_0944-7-1536x1134.jpg 1536w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2023\/11\/SMM_0944-7.jpg 1663w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>\u201cPoate<strong> ai mai multe credite de nevoi personale, carduri de credit \u0219i descoperire pe cardul de salariu<\/strong>. Le po\u021bi refinan\u021ba \u00eentr-un singur credit, cu o dob\u00e2nd\u0103 fix\u0103. \u00cen cazul cardurilor de credit \u0219i \u00een cel al overdrafturilor, lunar pl\u0103te\u0219ti doar dob\u00e2nd\u0103, f\u0103r\u0103 s\u0103 rambursezi din principal. \u00cen cazul unei refinan\u021b\u0103ri, pl\u0103te\u0219ti at\u00e2t dob\u00e2nd\u0103, c\u00e2t \u0219i principalul. Dac\u0103 au fost <strong>acordate \u00eenainte de 8 iulie 2020,<\/strong> le po\u021bi refinan\u021ba pe o perioad\u0103 mai mare de 5 ani, p\u00e2n\u0103 la 10 ani\u201d, a detaliat ea.&nbsp;<\/p>\n\n\n\n<p>F\u0103c\u00e2nd o singur\u0103 plat\u0103 lunar vei putea s\u0103-\u021bi gestionezi u\u0219or \u0219i inteligent cheltuielile.&nbsp;<\/p>\n\n\n\n<p class=\"has-medium-font-size\"><strong>Scapi de problemele legate de gradul de \u00eendatorare sau \u00ee\u021bi \u00eembun\u0103t\u0103\u021be\u0219ti scorul de credit<\/strong><\/p>\n\n\n\n<p>Atunci c\u00e2nd gradul de \u00eendatorare nu-\u021bi mai permite accesarea unui nou produs de creditare, o refinan\u021bare a datoriilor existente te poate ajuta s\u0103-\u021bi reduci \u00eenc\u0103rcarea acestuia. Este cea mai rapid\u0103 \u0219i mai eficient\u0103 solu\u021bie pe care o ai la dispozi\u021bie. <a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/credite-ipotecare#calculator_refinantare\"><strong>Afl\u0103 toate detaliile de la speciali\u0219tii Imobiliare.ro Finance.<\/strong><\/a><\/p>\n\n\n\n<p>Totodat\u0103, dac\u0103 ai \u00eembun\u0103t\u0103\u021bit scorul de credit, <strong>te po\u021bi califica pentru o dob\u00e2nd\u0103 mai mic\u0103<\/strong> \u00een urma unei refinan\u021b\u0103ri, \u00een cazul \u00eemprumuturilor de nevoi personale.<\/p>\n\n\n\n<p class=\"has-medium-font-size\"><strong>Ce trebuie s\u0103 \u0219tii \u00eenainte s\u0103 alegi refinan\u021barea?<\/strong><\/p>\n\n\n\n<p>Este important s\u0103 iei decizia de a refinan\u021ba unul sau mai multe credite cunosc\u00e2nd \u0219i <strong>eventualele costuri aferente unui astfel de proces<\/strong>. \u00cen cazul unui credit ipotecar, vei avea de pl\u0103tit costuri pentru mutarea ipotecii de la o banc\u0103 la alta. O parte dintre aceste cheltuieli pot fi suportate de noua banc\u0103 finan\u021batoare. La ora actual\u0103, dou\u0103 dintre b\u0103ncile partenere Imobiliare.ro Finance le ofer\u0103 clien\u021bilor un voucher \u00een valoare de 2.000 de lei \u00een cazul refinan\u021b\u0103rilor. Speciali\u0219tii no\u0219tri lucreaz\u0103 cu peste 25 de b\u0103nci \u0219i institu\u021bii financiare din Rom\u00e2nia, deci po\u021bi fi sigur c\u0103 vor identifica cele mai avantajoase solu\u021bii.<\/p>\n\n\n\n<p>Vor exista, de asemenea, costuri pentru asigurarea imobilului. \u00cen acest caz se poate face un act adi\u021bional la poli\u021bele existente pentru schimbarea beneficiarului cesiunii. Exist\u0103, totodat\u0103, unele cheltuieli legate de evaluarea imobilului.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"681\" src=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2023\/11\/SMM_0506-2-1024x681.jpg\" alt=\"\" class=\"wp-image-68188\" srcset=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2023\/11\/SMM_0506-2-1024x681.jpg 1024w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2023\/11\/SMM_0506-2-300x200.jpg 300w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2023\/11\/SMM_0506-2-768x511.jpg 768w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2023\/11\/SMM_0506-2-1536x1022.jpg 1536w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2023\/11\/SMM_0506-2-2048x1362.jpg 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p><strong>Dac\u0103 maturitatea creditului este trecut\u0103 de jum\u0103tatea perioadei ini\u021biale de creditare, chiar dac\u0103 dob\u00e2nda ar fi mai mic\u0103, refinan\u021barea nu mai este una rentabil\u0103<\/strong>, deci fere\u0219te-te de o astfel de capcan\u0103. \u00centr-un astfel de scenariu trebuie s\u0103 \u0219tii c\u0103 ai pl\u0103tit deja cea mai mare parte din dob\u00e2nda b\u0103ncii, iar printr-o refinan\u021bare ai relua, practic, procesul de plat\u0103.<\/p>\n\n\n\n<p>\u201c\u00cen situa\u021bia \u00een care venitul \u00ee\u021bi permite plata ratei, atunci<strong> o refinan\u021bare \u00een care se prelunge\u0219te perioada de credit este o alegere gre\u0219it\u0103 <\/strong>din acela\u0219i motiv. Ajungi s\u0103 reiei plata unei dob\u00e2nzi mai mari \u0219i s\u0103 prelunge\u0219ti acest proces, iar costul total al creditului cre\u0219te\u201d, este de p\u0103rere C\u0103t\u0103lina Roibu.<\/p>\n\n\n\n<p><a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/credite-ipotecare#calculator_refinantare\"><strong>Contacteaz\u0103 acum un broker Imobiliare.ro Finance \u0219i discut\u0103 despre situa\u021bia ta. <\/strong><\/a>Prime\u0219ti consiliere gratuit\u0103 \u0219i identifici variantele care se muleaz\u0103 perfect pe nevoile tale.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Refinan\u021barea a fost cuv\u00e2ntul de ordine pe parcursul lui 2023. Odat\u0103 cu ofertele de dob\u00e2nd\u0103 fix\u0103 tot mai atractive venite din partea b\u0103ncilor, mul\u021bi dintre rom\u00e2ni au optat pentru aceast\u0103 variant\u0103 \u00een dorin\u021ba de a-\u0219i gestiona mai bine cheltuielile. Au ajuns s\u0103 se refinan\u021beze, astfel, inclusiv credite accesate cu cel mult trei ani \u00een urm\u0103. [&hellip;]<\/p>\n","protected":false},"author":5891,"featured_media":68185,"comment_status":"open","ping_status":"open","sticky":true,"template":"","format":"standard","meta":{"footnotes":""},"categories":[263,2455],"tags":[1159,294,439],"content_author":[],"class_list":["post-68184","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credite","category-video","tag-broker-credite","tag-credite-2","tag-refinantare"],"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>Refinan\u021bez sau nu creditul? Situa\u021bii \u00een care ai de c\u00e2\u0219tigat \u0219i capcane \u00een care po\u021bi s\u0103 cazi f\u0103r\u0103 ajutorul unui broker profesionist - Credite, Video - ImoExpert<\/title>\n<meta name=\"description\" content=\"Refinan\u021barea a fost cuv\u00e2ntul de ordine pe parcursul lui 2023. Odat\u0103 cu ofertele de dob\u00e2nd\u0103 fix\u0103 tot mai atractive venite din partea b\u0103ncilor, mul\u021bi dintre\" \/>\n<meta name=\"robots\" content=\"index, follow\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.imobiliare.ro\/imoexpert\/refinantez-sau-nu-creditul-situatii-in-care-ai-de-castigat-si-capcane-in-care-poti-sa-cazi-fara-ajutorul-unui-broker-profesionist_db\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Refinan\u021bez sau nu creditul? 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