{"id":68214,"date":"2023-11-28T10:24:45","date_gmt":"2023-11-28T08:24:45","guid":{"rendered":"https:\/\/www.imobiliare.ro\/imoexpert\/?p=68214"},"modified":"2023-11-28T10:24:45","modified_gmt":"2023-11-28T08:24:45","slug":"spune-mi-ce-surse-de-venit-ai-si-ti-spun-cum-iei-credit-brokerul-te-indruma-pas-cu-pas","status":"publish","type":"post","link":"https:\/\/www.imobiliare.ro\/imoexpert\/spune-mi-ce-surse-de-venit-ai-si-ti-spun-cum-iei-credit-brokerul-te-indruma-pas-cu-pas_db\/","title":{"rendered":"Spune-mi ce surse de venit ai \u0219i-\u021bi spun cum iei credit. Brokerul te \u00eendrum\u0103 pas cu pas"},"content":{"rendered":"\n<iframe loading=\"lazy\" style=\"height: 396px!important;\" src=\"https:\/\/www.youtube.com\/embed\/qTvalfSGzQE?si=QTPGNwN2GB5U0hPJ\" 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>Indiferent de felul \u00een care \u00ee\u021bi c\u00e2\u0219tigi banii, \u00eenainte de a ob\u021bine un credit trebuie s\u0103 faci dovada unor venituri stabile, astfel \u00eenc\u00e2t banca s\u0103 se asigure c\u0103-\u021bi po\u021bi achita f\u0103r\u0103 probleme rata lunar\u0103. Numeroase surse de venit pot fi considerare la accesarea finan\u021b\u0103rii, trebuie s\u0103 \u0219tii doar care sunt condi\u021biile b\u0103ncii. Aici \u00ee\u021bi vine \u00een ajutor un broker profesionist care te poate \u00eendruma pas cu pas p\u00e2n\u0103 la aprobarea creditului.<\/strong><\/p>\n\n\n\n<p>\u201cCei mai mul\u021bi dintre clien\u021bii no\u0219tri dispun de venituri din salarii. \u00cen ultima perioad\u0103, \u00eens\u0103, ne-am \u00eent\u00e2lnit din ce \u00een ce mai des cu veniturile din dividende sau PFA\u201d, ne-a explicat Mirela Vasile, expert financiar <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><strong>Salariul, principala ta surs\u0103 de venit. La c\u00e2t ajunge gradul de \u00eendatorare?<\/strong><\/p>\n\n\n\n<p>Dac\u0103 veniturile tale provin din salarii, atunci institu\u021biile financiare solicit\u0103, \u00een general, s\u0103 ai o vechime \u00een munc\u0103 de cel pu\u021bin \u0219ase luni pentru acordarea unui \u00eemprumut. Rata pe care urmeaz\u0103 s\u0103 o achi\u021bi nu trebuie s\u0103 dep\u0103\u0219easc\u0103 un procent din veniturile tale nete lunare cunoscut ca grad de \u00eendatorare.<\/p>\n\n\n\n<p>Gradul maxim de \u00eendatorare acceptat de cele mai multe b\u0103nci este de 40% pentru creditele ipotecare \u00een lei, respectiv de 45% pentru creditele ipotecare \u00een lei destinate achizi\u021biei primei locuin\u021be. \u00cen cazul \u00een care optezi pentru un credit ipotecar \u00een valut\u0103, gradul de \u00eendatorare scade la 20%.<\/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\/venituri-credite-1024x681.jpg\" alt=\"\" class=\"wp-image-68219\" srcset=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2023\/11\/venituri-credite-1024x681.jpg 1024w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2023\/11\/venituri-credite-300x200.jpg 300w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2023\/11\/venituri-credite-768x511.jpg 768w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2023\/11\/venituri-credite-1536x1022.jpg 1536w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2023\/11\/venituri-credite-2048x1362.jpg 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>Dac\u0103 ai nevoie de o sum\u0103 mai mare dec\u00e2t \u00ee\u021bi po\u021bi permite, atunci po\u021bi apela la un codebitor. Veniturile voastre combinate vor cre\u0219te \u0219ansele pe care le ai pentru a ob\u021bine un \u00eemprumut cu o valoare mai mare, cu o rat\u0103 a dob\u00e2nzii mai mic\u0103.<\/p>\n\n\n\n<p>Iat\u0103 ce este important s\u0103 \u0219tii atunci c\u00e2nd c\u00e2\u0219tigurile tale nu sunt ob\u021binute, \u00een principal, din salarii.<\/p>\n\n\n\n<p><strong>Ce trebuie s\u0103 \u0219tii dac\u0103 ai venituri din dividende?<\/strong><\/p>\n\n\n\n<p>Dac\u0103 \u00een momentul de fa\u021b\u0103 c\u00e2\u0219tigi bani din dividende \u0219i vrei s\u0103 accesezi finan\u021bare este important s\u0103 \u0219tii c\u0103 firma de la care le \u00eencasezi trebuie s\u0103 aib\u0103 un istoric cu cel pu\u021bin doi ani de activitate.<\/p>\n\n\n\n<p>\u201cVeniturile se vor pondera \u00een aceast\u0103 situa\u021bie \u0219i va fi luat\u0103 \u00een calcul 60% din valoarea lor\u201d, ne spune Mirela Vasile.<\/p>\n\n\n\n<p>Atunci c\u00e2nd vrei s\u0103 accesezi finan\u021bare \u0219i veniturile tale provin din astfel de surse este recomandat s\u0103 apelezi la ajutorul unui broker de credite profesionist pentru c\u0103, \u00een anumite cazuri, perioada de creditare poate fi limitat\u0103 la cel mult 15 ani.&nbsp;<\/p>\n\n\n\n<p><a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/credite-ipotecare#calculator_suma_eligibila\"><strong>Contacteaz\u0103 acum un expert din re\u021beaua Imobiliare.ro Finance! Te va ajuta s\u0103 identifici creditul potrivit pentru tine.<\/strong><\/a><\/p>\n\n\n\n<p><strong>Cum procedezi c\u00e2nd ai venituri pe PFA?<\/strong><\/p>\n\n\n\n<p>\u00cen prima jum\u0103tate a acestui an au fost \u00eenfiin\u021bate peste 77.000 de societ\u0103\u021bi, dintre care mai bine de 21.000 au fost PFA-uri. Astfel, s-a atins un nivel record al PFA-urilor \u00eenmatriculate raportat la perioada similar\u0103 a ultimilor ani, conform datelor Registrului Comer\u021bului.<\/p>\n\n\n\n<p>Dac\u0103 te numeri printre cei care \u0219i-au deschis anul acesta un PFA, atunci trebuie s\u0103 \u0219tii c\u0103 nu \u00ee\u021bi va fi u\u0219or s\u0103 iei un \u00eemprumut av\u00e2nd la dispozi\u021bie doar c\u00e2\u0219tigurile ob\u021binute astfel. Unele institu\u021biile financiare solicit\u0103 ca un PFA s\u0103 fie \u00eenfiin\u021bat cu cel pu\u021bin doi ani \u00een urm\u0103 pentru a lua \u00een considerare veniturile ob\u021binute \u00een baza acestuia la acordarea unui credit.<\/p>\n\n\n\n<p>\u00cen cazul \u00een care \u00eendepline\u0219ti aceast\u0103 condi\u021bie, trebuie s\u0103 \u0219tii c\u0103 veniturile ob\u021binute astfel se pondereaz\u0103, adic\u0103 se ia \u00een calcul doar un procent de 85% din valoarea lor la acordarea \u00eemprumutului.<\/p>\n\n\n\n<p><strong>\u00cemprumuturi pe baza veniturilor din str\u0103in\u0103tate<\/strong><\/p>\n\n\n\n<p>Dac\u0103 ai venituri din str\u0103in\u0103tate, vei avea nevoie cel mai probabil de un avans mai mare pentru a lua un credit ipotecar.&nbsp;<\/p>\n\n\n\n<p>\u201cB\u0103ncile \u00ee\u021bi solicit\u0103 un avans mai mare \u00een cazul veniturilor din str\u0103in\u0103tate, de cel pu\u021bin 20%-25% sau chiar \u0219i 40%, f\u0103r\u0103 s\u0103 prezin\u021bi un codebitor. \u00cen cazul \u00een care se prezint\u0103 un codebitor cu venituri din Rom\u00e2nia, atunci se poate merge \u0219i cu un avans de 15%\u201d, ne-a explicat Mirela Vasile, unul dintre cei peste 200 de brokeri profesioni\u0219ti din re\u021beaua na\u021bional\u0103 Imobiliare.ro Finance.<\/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\/credite-1024x681.jpg\" alt=\"\" class=\"wp-image-68220\" srcset=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2023\/11\/credite-1024x681.jpg 1024w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2023\/11\/credite-300x200.jpg 300w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2023\/11\/credite-768x511.jpg 768w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2023\/11\/credite-1536x1022.jpg 1536w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2023\/11\/credite-2048x1362.jpg 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>\u201cEste important ca veniturile codebitorului s\u0103 acopere cel pu\u021bin valoarea ratei lunare\u201d, a mai ad\u0103ugat ea.<\/p>\n\n\n\n<p>Codebitorul poate fi o persoan\u0103 de \u00eencredere din familia ta sau un partener de via\u021b\u0103. Acesta va avea acelea\u0219i obliga\u021bii ca tine. Dac\u0103, din orice motiv, tu nu vei mai putea pl\u0103ti ratele, va trebui s\u0103 le poat\u0103 pl\u0103ti \u00een locul t\u0103u. Asigur\u0103-te c\u0103 persoana la care te g\u00e2nde\u0219ti s\u0103 aib\u0103 rolul de codebitor \u00een\u021belege \u0219i \u00ee\u0219i asum\u0103 aceast\u0103 responsabilitate \u00eenainte de a lua un \u00eemprumut.&nbsp;<\/p>\n\n\n\n<p>Apeleaz\u0103 la un broker de credite pentru a identifica varianta care se muleaz\u0103 cel mai bine pe situa\u021bia ta. Speciali\u0219tii Imobiliare.ro Finance au 10 ani de experien\u021b\u0103 \u0219i au sprijinit 60.000 de persoane p\u00e2n\u0103 acum \u00een alegerea creditului potrivit. <a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/credite-ipotecare#calculator_credit\"><strong>Contacteaz\u0103-i aici.<\/strong><\/a><\/p>\n\n\n\n<p><strong>C\u00e2\u0219tigi bani din chirii? Iat\u0103 ce trebuie s\u0103 faci<\/strong><\/p>\n\n\n\n<p>Activitatea de pe pia\u021ba chiriilor a fost una c\u00e2t se poate de efervescent\u0103 pe parcursul lui 2023, cu o cerere care a ajuns \u00een trimestrul al III-lea s\u0103 creasc\u0103 la nivel na\u021bional cu circa 13%. \u00cen cazul \u00een care e\u0219ti unul dintre proprietarii cu una sau mai multe locuin\u021be scoase la \u00eenchiriere, este important s\u0103 \u0219tii c\u0103 sumele ob\u021binute din chirii sunt acceptate ca \u0219i surs\u0103 suplimentar\u0103 de venit la acordarea unui credit.<\/p>\n\n\n\n<p>\u201cTrebuie s\u0103 ai un contract pe o perioad\u0103 nedeterminat\u0103 sau o clauz\u0103 de re\u00eennoire \u00een contract. \u00cen plus, trebuie s\u0103 dispui de aceste sume de bani de cel pu\u021bin 6-9 luni, \u00een func\u021bie de banc\u0103\u201d, spune Mirela Vasile.<\/p>\n\n\n\n<p><strong>Alte tipuri de venituri luate \u00een considerare la acordarea creditului<\/strong><\/p>\n\n\n\n<p>Pot fi luate \u00een considerare pentru accesarea unui \u00eemprumut \u0219i veniturile din indemniza\u021bia de cre\u0219tere a copilului.<br><\/p>\n\n\n\n<p>\u201cCele mai multe b\u0103nci solicit\u0103, \u00een acest caz, un codebitor cu venituri din salarii, cu trei excep\u021bii\u201d, ne explic\u0103 brokerul Imobiliare.ro Finance.<br>\u00cen cazul \u00een care discut\u0103m despre venituri din salarii, dar contractul de munc\u0103 este semnat pe o perioad\u0103 determinat\u0103 de timp, \u0219i acestea pot fi luate \u00een calcul, cu condi\u021bia s\u0103 existe cel pu\u021bin o prelungire a contractului sau o clauz\u0103 de prelungire automat\u0103 a sa. <a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/credite-ipotecare#calculator_credit\"><strong>Contacteaz\u0103 acum un expert. \u00ce\u021bi g\u0103se\u0219te, cu siguran\u021b\u0103, un credit care \u021bi se potrive\u0219te.<\/strong><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Indiferent de felul \u00een care \u00ee\u021bi c\u00e2\u0219tigi banii, \u00eenainte de a ob\u021bine un credit trebuie s\u0103 faci dovada unor venituri stabile, astfel \u00eenc\u00e2t banca s\u0103 se asigure c\u0103-\u021bi po\u021bi achita f\u0103r\u0103 probleme rata lunar\u0103. Numeroase surse de venit pot fi considerare la accesarea finan\u021b\u0103rii, trebuie s\u0103 \u0219tii doar care sunt condi\u021biile b\u0103ncii. Aici \u00ee\u021bi vine [&hellip;]<\/p>\n","protected":false},"author":5891,"featured_media":68218,"comment_status":"open","ping_status":"open","sticky":true,"template":"","format":"standard","meta":{"footnotes":""},"categories":[263,2455],"tags":[556,2190,726],"content_author":[],"class_list":["post-68214","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credite","category-video","tag-credit","tag-imobiliare-ro-finance","tag-venituri"],"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>Spune-mi ce surse de venit ai \u0219i-\u021bi spun cum iei credit. 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