{"id":68312,"date":"2023-12-07T13:59:06","date_gmt":"2023-12-07T11:59:06","guid":{"rendered":"https:\/\/www.imobiliare.ro\/imoexpert\/?p=68312"},"modified":"2023-12-07T13:59:06","modified_gmt":"2023-12-07T11:59:06","slug":"cum-iei-un-credit-pe-masura-ta-recomandarile-brokerilor-te-ajuta-sa-eviti-supraindatorarea","status":"publish","type":"post","link":"https:\/\/www.imobiliare.ro\/imoexpert\/cum-iei-un-credit-pe-masura-ta-recomandarile-brokerilor-te-ajuta-sa-eviti-supraindatorarea_db\/","title":{"rendered":"Cum iei un credit pe m\u0103sura ta? Recomand\u0103rile brokerilor te ajut\u0103 s\u0103 evi\u021bi supra\u00eendatorarea"},"content":{"rendered":"\n<iframe loading=\"lazy\" style=\"height: 396px!important;\" src=\"https:\/\/www.youtube.com\/embed\/qTvalfSGzQE?si=g_93SCcbfv5We7M0\" 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>Ai nevoie de un credit ipotecar, dar nu \u0219tii exact c\u00e2\u021bi bani po\u021bi lua de la banc\u0103 \u0219i, \u00een plus, \u00ee\u021bi este team\u0103 de scenariul de co\u0219mar pe care l-ai auzit probabil discutat \u00eentre cuno\u0219tin\u021be \u00een care ajungi s\u0103 nu-\u021bi mai po\u021bi achita ratele \u0219i s\u0103-\u021bi pierzi locuin\u021ba? Stai lini\u0219tit, lucrurile nu sunt at\u00e2t de complicate \u0219i nici at\u00e2t de negre, iar cu sprijinul unui broker profesionist po\u021bi s\u0103 g\u0103se\u0219ti, de fiecare dat\u0103, un credit pe m\u0103sura ta.<\/strong><\/p>\n\n\n\n<p>Din start trebuie s\u0103 \u0219tii c\u0103 la nivelul pie\u021bei exist\u0103 deja <strong>mecanisme care s\u0103 previn\u0103 supra\u00eendatorarea<\/strong>. Acest lucru, cu siguran\u021b\u0103, \u00ee\u021bi va mai domoli \u00eengrijorarea. \u00cen plus, nu po\u021bi lua orice sum\u0103 de bani, indiferent de veniturile pe care le ai. \u0218ansele tale de a ob\u021bine finan\u021bare sunt analizate cu aten\u021bie, iar un criteriu definitoriu \u00een acest proces este reprezentat de calculul <strong>gradului de \u00eendatorare<\/strong>.<\/p>\n\n\n\n<p>Pe scurt, gradul de \u00eendatorare reprezint\u0103 <strong>valoarea maxim\u0103 pe care poate s\u0103 o aib\u0103 rata <\/strong>\u0219i este exprimat ca procent din suma veniturilor tale nete lunare. Nu po\u021bi s\u0103 dep\u0103\u0219e\u0219ti un grad de \u00eendatorare de<strong> 40% pentru un credit ipotecar \u00een lei<\/strong>, excep\u021bie f\u0103c\u00e2nd doar situa\u021bia \u00een care \u00ee\u021bi cumperi prima locuin\u021b\u0103. \u00cen cazul <strong>creditelor \u00een valut\u0103<\/strong>, gradul maxim de \u00eendatorare scade semnificativ, p\u00e2n\u0103 la <strong>20%<\/strong>.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"486\" src=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2023\/12\/grad-de-indatorare-grafic-1024x486.png\" alt=\"\" class=\"wp-image-68313\" srcset=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2023\/12\/grad-de-indatorare-grafic-1024x486.png 1024w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2023\/12\/grad-de-indatorare-grafic-300x143.png 300w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2023\/12\/grad-de-indatorare-grafic-768x365.png 768w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2023\/12\/grad-de-indatorare-grafic.png 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>\u201cBNR a f\u0103cut, \u00een 2019, un prim pas pentru a limita supra\u00eendatorarea. A sc\u0103zut gradul de \u00eendatorare la 40%, respectiv la <strong>45% \u00een cazul \u00een care e\u0219ti la prima achizi\u021bie<\/strong>. A fost o decizie foarte bun\u0103 pentru c\u0103 \u00eenainte gradul de \u00eendatorare ajungea p\u00e2n\u0103 la 65%\u201d, a declarat Andrei Cazacu, Regional Manager <a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/credite-ipotecare#calculator_credit\"><strong>Imobiliare.ro Finance<\/strong><\/a>, <strong>re\u021bea de brokeri profesioni\u0219ti cu 10 ani de experien\u021b\u0103 <\/strong>\u00een identificarea celor mai avantajoase solu\u021bii de finan\u021bare pentru clien\u021bi.<\/p>\n\n\n\n<p>\u201cSfatul meu pentru momentul \u00een care vrei s\u0103 achizi\u021bionezi un imobil prin credit este s\u0103 te limitezi la un grad de \u00eendatorare de cel mult 30%,<strong> s\u0103 r\u0103m\u00e2n\u0103 un &lt;fond de rezerv\u0103&gt;<\/strong> de 10% \u00een cazul \u00een care situa\u021bia ta financiar\u0103 se schimb\u0103 &#8211; scad veniturile, cre\u0219te rata din cauza evolu\u021biei IRCC sau apar cheltuieli mari neprev\u0103zute. \u00centr-o situa\u021bie de urgen\u021b\u0103 ai, astfel, \u0219i posibilitatea de a te \u00eencadra pentru<strong> un credit de nevoi personale<\/strong>\u201d, a mai ad\u0103ugat acesta.<\/p>\n\n\n\n<p>Aten\u021bie, \u00eens\u0103, povara efectiv\u0103 pe care o reprezint\u0103 acest grad de \u00eendatorare asupra celor care opteaz\u0103 pentru un \u00eemprumut difer\u0103 de la un caz la altul. O rat\u0103 mare pentru o persoan\u0103, poate fi u\u0219or de gestionat de alta, este de p\u0103rere Maria Cre\u021bu, Francize Manager Imobiliare.ro Finance.<\/p>\n\n\n\n<p>\u201cLa fiecare credit pe care l-am dat am sim\u021bit c\u0103 mi-am cump\u0103rat \u0219i eu o cas\u0103. M\u0103 g\u00e2ndesc inclusiv la ce cheltuieli va avea clientul dup\u0103 accesarea creditului. Dac\u0103 ai venituri de 5.000 de lei \u0219i dai 2.000 de lei pe rat\u0103, din suma r\u0103mas\u0103 trebuie s\u0103 achi\u021bi utilit\u0103\u021bile, trebuie s\u0103 ai bani de m\u00e2ncare, iar dac\u0103 ai un copil trebuie s\u0103 ai bani de \u0219coal\u0103 sau de after school. Poate fi destul de dificil pentru client, atunci c\u00e2nd veniturile sale nu sunt deosebit de mari\u201d, ne-a explicat ea.&nbsp;<\/p>\n\n\n\n<p><a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/credite-ipotecare#calculator_credit\"><strong>Apeleaz\u0103 acum la un broker Imobiliare.ro Finance \u0219i g\u0103se\u0219te un credit care se muleaz\u0103 perfect pe posibilit\u0103\u021bile tale.<\/strong><\/a><\/p>\n\n\n\n<p>\u201cC\u00e2nd discut\u0103m despre salarii mari, altfel stau lucrurile. Chiar dac\u0103 ai o rat\u0103 mai mare, \u00ee\u021bi r\u0103m\u00e2n destul de mul\u021bi bani \u0219i pentru alte cheltuieli. Am avut, de exemplu, o familie care a ob\u021binut un credit cu trei ani \u00een urm\u0103, cu dob\u00e2nd\u0103 variabil\u0103. \u00centre timp, rata s-a dublat, dar \u0219i veniturile lor au crescut de la circa 8.000 de lei la 11.000 de lei. Chiar dac\u0103 au optat pentru o refinan\u021bare, nu au ales s\u0103 scad\u0103 valoarea ratei, de\u0219i ar fi putut face acest lucru. \u00cen schimb, au preferat s\u0103 reduc\u0103 perioada de creditare de la 25 la 12 ani, pentru c\u0103 \u00ee\u0219i permiteau s\u0103 achite mai mult\u201d, a mai povestit expertul financiar.<\/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>Exist\u0103, \u00eens\u0103, \u0219i solu\u021bii pentru cei care poate au nevoie de bani mai mul\u021bi \u0219i \u00ee\u0219i permit s\u0103 achite ratele ulterior. \u201cB\u0103ncile au trimestrial c\u00e2te un plafon unde se permite \u0219i un grad de \u00eendatorare de 50%. Aici intervine rolul brokerului care depune dosarul cu 1-2 s\u0103pt\u0103m\u00e2ni \u00eenainte pentru a fi aprobat \u00een momentul potrivit. Plafonul se poate termina \u00eentr-o s\u0103pt\u0103m\u00e2n\u0103, dar sunt credite care se resping, sunt clien\u021bi care renun\u021b\u0103, deci brokerul te poate ajuta. Dac\u0103 un client s-ar prezenta direct la banc\u0103, ar avea \u0219anse mai mici s\u0103 beneficieze de plafon\u201d, ne-a mai spus Francize Managerul Imobiliare.ro Finance.<\/p>\n\n\n\n<p>Circa 60.000 de persoane au ob\u021binut deja finan\u021bare prin echipa Imobiliare.ro Finance. <a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/credite-ipotecare#calculator_suma_eligibila\"><strong>Apeleaz\u0103 acum la exper\u021bii no\u0219tri! \u00ce\u021bi vor g\u0103si \u0219i \u021bie creditul potrivit.<\/strong><\/a><\/p>\n\n\n\n<p><strong>Nu pot s\u0103 mai pl\u0103tesc rata. Ce fac?<\/strong><\/p>\n\n\n\n<p>Chiar \u0219i \u00een scenarii nefericite \u00een care ajungi, din diverse motive, s\u0103 ai probleme \u00een gestionarea cheltuielilor lunare exist\u0103 solu\u021bii. Important este s\u0103 \u0219tii c\u0103 nu este recomandat s\u0103 treac\u0103 mai mult de 30 de zile p\u00e2n\u0103 \u00een momentul efectu\u0103rii unei pl\u0103\u021bi. \u201c<strong>\u00cent\u00e2rzierile mai mari de 30 de zile la plata ratelor sunt \u00eenregistrate \u00een biroul de credite <\/strong>\u0219i exist\u0103 riscul, \u00een primul r\u00e2nd, s\u0103 nu mai po\u021bi s\u0103 contractezi un nou credit sau s\u0103 nu po\u021bi s\u0103 mai faci o refinan\u021bare pentru creditul actual\u201d, ne spune Andrei Cazacu.<\/p>\n\n\n\n<p>Dac\u0103 \u00eent\u00e2rzierile dep\u0103\u0219esc<strong> 90-180 de zile<\/strong>, atunci <strong>se demareaz\u0103 procedurile de executare silit\u0103 <\/strong>\u0219i po\u021bi s\u0103 r\u0103m\u00e2i f\u0103r\u0103 imobilul achizi\u021bionat. Nu a\u0219tepta s\u0103 ajungi \u00eentr-o astfel de situa\u021bie. <a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/credite-ipotecare#calculator_refinantare\"><strong>Contacteaz\u0103, la momentul potrivit, un broker de credite Imobiliare.ro Finance.<\/strong><\/a> Poate s\u0103 \u00ee\u021bi ofere solu\u021bia salvatoare.<\/p>\n\n\n\n<p>\u201c\u00cen momentul \u00een care un client nu poate s\u0103 mai pl\u0103teasc\u0103 rata lunar\u0103, un prim pas ar fi <strong>s\u0103 contacteze un broker de credite \u00een cel mult 30 de zile<\/strong> \u0219i s\u0103 vad\u0103 dac\u0103 are <strong>posibilitatea s\u0103 refinan\u021beze creditul<\/strong>. Se poate ob\u021bine o perioad\u0103 mai mare de creditare astfel \u00eenc\u00e2t, cu o rat\u0103 mai mic\u0103, acesta s\u0103 poat\u0103 reveni la normal cu pl\u0103\u021bile. Dac\u0103 nu exist\u0103 posibilitatea refinan\u021b\u0103rii, recomandarea mea ar fi v\u00e2nzarea imobilului \u0219i achizi\u021bia ulterioar\u0103 a unuia cu o valoare mai mic\u0103\u201d, a mai explicat Regional Managerul Imobiliare.ro Finance, re\u021bea cu peste 200 de exper\u021bi financiari preg\u0103ti\u021bi s\u0103-\u021bi vin\u0103 \u00een ajutor.<\/p>\n\n\n\n<p>Este recomandat, totodat\u0103, s\u0103-\u021bi faci o <strong>asigurare de via\u021b\u0103<\/strong> atunci c\u00e2nd cumperi o locuin\u021b\u0103 printr-un \u00eemprumut. \u201cAsigurarea de via\u021b\u0103 pentru creditul ipotecar acoper\u0103, \u00een general, urm\u0103toarele riscuri &#8211; deces, incapacitate total\u0103 de munc\u0103 sau invaliditate permanent\u0103 ca urmare a unei afec\u021biuni medicale sau din cauza producerii unui accident. Unele companii de asigur\u0103ri de via\u021b\u0103 includ \u0219i \u0219omajul printre riscurile acoperite de asigurarea ata\u0219at\u0103 creditelor\u201d, a concluzionat Cazacu.<\/p>\n\n\n\n<p><strong>Ai nevoie \u0219i de alte informa\u021bii cu privire la accesarea unui credit ipotecar?<\/strong><a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/credite-ipotecare#calculator_suma_eligibila\"><strong>Apeleaz\u0103 gratuit la un expert Imobiliare.ro Finance.<\/strong><\/a> Te va \u00eendruma c\u0103tre cele mai avantajoase oferte de finan\u021bare, personalizate p\u00e2n\u0103 \u00een cel mai mic detaliu pentru a se potrivi perfect nevoilor tale.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Ai nevoie de un credit ipotecar, dar nu \u0219tii exact c\u00e2\u021bi bani po\u021bi lua de la banc\u0103 \u0219i, \u00een plus, \u00ee\u021bi este team\u0103 de scenariul de co\u0219mar pe care l-ai auzit probabil discutat \u00eentre cuno\u0219tin\u021be \u00een care ajungi s\u0103 nu-\u021bi mai po\u021bi achita ratele \u0219i s\u0103-\u021bi pierzi locuin\u021ba? Stai lini\u0219tit, lucrurile nu sunt at\u00e2t de [&hellip;]<\/p>\n","protected":false},"author":5891,"featured_media":68316,"comment_status":"open","ping_status":"open","sticky":true,"template":"","format":"standard","meta":{"footnotes":""},"categories":[263,2455],"tags":[1159,277,2190],"content_author":[],"class_list":["post-68312","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credite","category-video","tag-broker-credite","tag-credit-ipotecar","tag-imobiliare-ro-finance"],"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>Cum iei un credit pe m\u0103sura ta? Recomand\u0103rile brokerilor te ajut\u0103 s\u0103 evi\u021bi supra\u00eendatorarea - Credite, Video - ImoExpert<\/title>\n<meta name=\"description\" content=\"Ai nevoie de un credit ipotecar, dar nu \u0219tii exact c\u00e2\u021bi bani po\u021bi lua de la banc\u0103 \u0219i, \u00een plus, \u00ee\u021bi este team\u0103 de scenariul de co\u0219mar pe care l-ai auzit\" \/>\n<meta name=\"robots\" content=\"index, follow\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.imobiliare.ro\/imoexpert\/cum-iei-un-credit-pe-masura-ta-recomandarile-brokerilor-te-ajuta-sa-eviti-supraindatorarea_db\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Cum iei un credit pe m\u0103sura ta? Recomand\u0103rile brokerilor te ajut\u0103 s\u0103 evi\u021bi supra\u00eendatorarea\" \/>\n<meta property=\"og:description\" content=\"Ai nevoie de un credit ipotecar, dar nu \u0219tii exact c\u00e2\u021bi bani po\u021bi lua de la banc\u0103 \u0219i, \u00een plus, \u00ee\u021bi este team\u0103 de scenariul de co\u0219mar pe care l-ai auzit\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.imobiliare.ro\/imoexpert\/cum-iei-un-credit-pe-masura-ta-recomandarile-brokerilor-te-ajuta-sa-eviti-supraindatorarea_db\/\" \/>\n<meta property=\"og:site_name\" content=\"ImoExpert\" \/>\n<meta property=\"article:published_time\" content=\"2023-12-07T11:59:06+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2023\/12\/credit-ipotecar-grad-de-indatorare.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1670\" \/>\n\t<meta property=\"og:image:height\" content=\"1179\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Corina V\u00e2rlan\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Corina V\u00e2rlan\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.imobiliare.ro\/imoexpert\/cum-iei-un-credit-pe-masura-ta-recomandarile-brokerilor-te-ajuta-sa-eviti-supraindatorarea_db\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.imobiliare.ro\/imoexpert\/cum-iei-un-credit-pe-masura-ta-recomandarile-brokerilor-te-ajuta-sa-eviti-supraindatorarea_db\/\"},\"author\":{\"name\":\"Corina V\u00e2rlan\",\"@id\":\"https:\/\/www.imobiliare.ro\/imoexpert\/#\/schema\/person\/9ffdfbf24b82f39fc75a2fc6c19e4e99\"},\"headline\":\"Cum iei un credit pe m\u0103sura ta? 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