{"id":73325,"date":"2025-07-29T09:50:05","date_gmt":"2025-07-29T06:50:05","guid":{"rendered":"https:\/\/www.imobiliare.ro\/imoexpert\/?p=73325"},"modified":"2025-07-29T09:50:05","modified_gmt":"2025-07-29T06:50:05","slug":"ramai-fara-job-ramai-fara-casa-ce-se-intampla-cu-creditul-tau-cand-nu-poti-sa-ti-mai-platesti-ratele-video-intreaba-expertul","status":"publish","type":"post","link":"https:\/\/www.imobiliare.ro\/imoexpert\/ramai-fara-job-ramai-fara-casa-ce-se-intampla-cu-creditul-tau-cand-nu-poti-sa-ti-mai-platesti-ratele-video-intreaba-expertul_db\/","title":{"rendered":"R\u0103m\u00e2i f\u0103r\u0103 job, r\u0103m\u00e2i f\u0103r\u0103 cas\u0103? Ce se \u00eent\u00e2mpl\u0103 cu creditul t\u0103u c\u00e2nd nu po\u021bi s\u0103-\u021bi mai pl\u0103te\u0219ti ratele? &#8211; VIDEO \u00centreab\u0103 Expertul"},"content":{"rendered":"\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"800\" src=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2025\/07\/ce-se-intampla-cu-rata-la-casa-cand-ramai-fara-loc-de-munca-1200x800.jpg\" alt=\"\" class=\"wp-image-73328\" srcset=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2025\/07\/ce-se-intampla-cu-rata-la-casa-cand-ramai-fara-loc-de-munca-1200x800.jpg 1200w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2025\/07\/ce-se-intampla-cu-rata-la-casa-cand-ramai-fara-loc-de-munca-300x200.jpg 300w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2025\/07\/ce-se-intampla-cu-rata-la-casa-cand-ramai-fara-loc-de-munca-768x512.jpg 768w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2025\/07\/ce-se-intampla-cu-rata-la-casa-cand-ramai-fara-loc-de-munca-1536x1024.jpg 1536w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2025\/07\/ce-se-intampla-cu-rata-la-casa-cand-ramai-fara-loc-de-munca.jpg 2000w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><\/figure>\n\n\n\n<p><strong>Dac\u0103 \u00ee\u021bi cau\u021bi o locuin\u021b\u0103 \u0219i ai nevoie de ob\u021binerea unui credit ipotecar pentru a finaliza tranzac\u021bia, probabil c\u0103 te-ai \u00eentrebat cel pu\u021bin o dat\u0103 ce se poate \u00eent\u00e2mpla \u00een momentul \u00een care ajungi \u00een imposibilitatea de a-\u021bi mai achita ratele. I-ai auzit pe mul\u021bi spun\u00e2nd c\u0103 banca vine imediat \u0219i \u00ee\u021bi ia casa pentru care ai pl\u0103tit poate \u0219i ani de zile rate \u00een fiecare lun\u0103, dar este oare adev\u0103rat?<\/strong><\/p>\n\n\n\n<p>Mirela Vasile, broker de credite \u00een cadrul re\u021belei na\u021bionale <a class=\"article-body-links\"href=\"https:\/\/finance.imobiliare.ro\/\" target=\"_blank\" rel=\"noreferrer noopener\">Imobiliare.ro Finance<\/a>, ne-a explicat pe larg \u00een cel mai nou episod al emisiunii <strong>&#8222;\u00centreab\u0103 Expertul&#8221;<\/strong> ce se \u00eent\u00e2mpl\u0103 de fapt atunci c\u00e2nd treci prin cel mai r\u0103u scenariu posibil \u0219i, de\u0219i ai vrea, nu mai ai posibilitatea de a achita ratele pentru locuin\u021ba ta.<\/p>\n\n\n\n<p>&#8222;Cele mai multe b\u0103nci au ata\u0219at creditului \u0219i o asigurare de via\u021b\u0103. Aceasta asigur\u0103 solicitantul principal al creditului \u00een caz de deces, dar \u0219i de invaliditate total\u0103 sau temporar\u0103 de munc\u0103 sau \u00een caz de \u0219omaj. \u00cen situa\u021bia \u00een care una dintre clauzele asigur\u0103rii intervine, atunci firma de asigurare preia datoria pe care o are clientul la banc\u0103 \u0219i o achit\u0103 \u00een locul lui. \u00cen cazul decesului se achit\u0103 100% datoria, iar \u00een cazul \u0219omajului exist\u0103 o perioad\u0103 de 6-9 luni de zile \u00een care firma de asigur\u0103ri preia rata lunar\u0103 a clientului \u0219i o achit\u0103 \u00een locul lui&#8221;, a spus Mirela Vasile \u00een cadrul emisiunii realizate de Imobiliare.ro.<\/p>\n\n\n\n<p>&#8222;Mai sunt b\u0103nci care \u00ee\u021bi ofer\u0103 o perioad\u0103 de gra\u021bie. Dac\u0103 tu \u00ee\u021bi pierzi jobul sau te \u00eemboln\u0103ve\u0219ti \u0219i trebuie s\u0103 stai \u00een concediu medical trei luni spre exemplu, atunci tu ai o perioad\u0103 de gra\u021bie pe care o po\u021bi solicita de la banc\u0103 \u00een a\u0219a fel \u00eenc\u00e2t cele trei rate pe care ar fi trebuit s\u0103 le pl\u0103te\u0219ti se duc la finalul creditului, iar tu timp de trei luni de zile nu pl\u0103te\u0219ti rata. Trebuie este s\u0103 fii la zi cu pl\u0103\u021bile, s\u0103 nu ai \u00eent\u00e2rzieri \u0219i s\u0103 faci o solicitare scris\u0103 c\u0103tre banc\u0103&#8221;, a mai ad\u0103ugat brokerul de credite.<\/p>\n\n\n\n<p>Ai, \u00eens\u0103, \u0219i alte op\u021biuni la care po\u021bi apela \u00een momentul \u00een care sim\u021bi c\u0103 povara creditului devine prea grea pentru a te asigura c\u0103 nu ajungi \u00een imposibilitatea de a-\u021bi mai achita ratele. Po\u021bi s\u0103 faci, de exemplu, o refinan\u021bare. Afl\u0103 mai multe despre acest subiect din video de mai jos.<\/p>\n\n\n\n<iframe loading=\"lazy\" style=\"height: 396px!important;\" src=\"https:\/\/www.youtube.com\/embed\/FQRAznBliio?si=VNjrHe5VlrOXT3n1\" title=\"YouTube video player\" title=\" 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><\/p>\n\n\n\n<p class=\"has-medium-font-size\"><strong>C\u00e2t trebuie s\u0103 aloci din salariu pentru rat\u0103?<\/strong><\/p>\n\n\n\n<p>\u00cen momentul de fa\u021b\u0103, conform normelor B\u0103ncii Na\u021bionale a Rom\u00e2niei, gradul maxim de \u00eendatorare \u00een cazul \u00een care cumperi pentru prima oar\u0103 o locuin\u021b\u0103 cu credit este de 45% din venit. \u00cen cazul \u00een care discut\u0103m despre a doua locuin\u021b\u0103, acesta scade la 40%.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1182\" height=\"621\" src=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2025\/07\/grad-maxim-de-indatorare-pentru-creditele-ipotecare.jpg\" alt=\"\" class=\"wp-image-73327\" srcset=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2025\/07\/grad-maxim-de-indatorare-pentru-creditele-ipotecare.jpg 1182w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2025\/07\/grad-maxim-de-indatorare-pentru-creditele-ipotecare-300x158.jpg 300w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2025\/07\/grad-maxim-de-indatorare-pentru-creditele-ipotecare-768x403.jpg 768w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2025\/07\/grad-maxim-de-indatorare-pentru-creditele-ipotecare-600x315.jpg 600w\" sizes=\"auto, (max-width: 1182px) 100vw, 1182px\" \/><\/figure>\n\n\n\n<p>Este bine s\u0103 ai grij\u0103, \u00eens\u0103, la procentul pe care urmeaz\u0103 s\u0103-l aloci lunar din salariu pentru plata ratelor astfel \u00eenc\u00e2t acestea s\u0103 nu fie cople\u0219itoare pe termen lung. &#8222;Le recomand clien\u021bilor ca gradul maxim de \u00eendatorare s\u0103 fie undeva la 30%-35%&#8221;, a explicat invitata emisiunii &#8222;\u00centreab\u0103 Expertul&#8221;.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1133\" height=\"613\" src=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2025\/07\/grad-indatorare-recomandat-pentru-creditele-ipotecare.jpg\" alt=\"\" class=\"wp-image-73326\" srcset=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2025\/07\/grad-indatorare-recomandat-pentru-creditele-ipotecare.jpg 1133w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2025\/07\/grad-indatorare-recomandat-pentru-creditele-ipotecare-300x162.jpg 300w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2025\/07\/grad-indatorare-recomandat-pentru-creditele-ipotecare-768x416.jpg 768w\" sizes=\"auto, (max-width: 1133px) 100vw, 1133px\" \/><\/figure>\n\n\n\n<p>Urm\u0103re\u0219te video de mai jos pentru detalii despre categoriile de venituri acceptate de banc\u0103 atunci c\u00e2nd vrei s\u0103 iei un credit ipotecar \u00een lei.<\/p>\n\n\n\n<iframe loading=\"lazy\" style=\"height: 396px!important;\" src=\"https:\/\/www.youtube.com\/embed\/JhlqqeyoF4c?si=08vpmNRHTgU950m2\" title=\"YouTube video player\" title=\" 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","protected":false},"excerpt":{"rendered":"<p>Dac\u0103 \u00ee\u021bi cau\u021bi o locuin\u021b\u0103 \u0219i ai nevoie de ob\u021binerea unui credit ipotecar pentru a finaliza tranzac\u021bia, probabil c\u0103 te-ai \u00eentrebat cel pu\u021bin o dat\u0103 ce se poate \u00eent\u00e2mpla \u00een momentul \u00een care ajungi \u00een imposibilitatea de a-\u021bi mai achita ratele. I-ai auzit pe mul\u021bi spun\u00e2nd c\u0103 banca vine imediat \u0219i \u00ee\u021bi ia casa pentru [&hellip;]<\/p>\n","protected":false},"author":5891,"featured_media":73328,"comment_status":"open","ping_status":"open","sticky":true,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2456,259,2455],"tags":[277,1538,2190,2238,557],"content_author":[],"class_list":["post-73325","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-intreaba-expertul","category-stiri","category-video","tag-credit-ipotecar","tag-grad-de-indatorare","tag-imobiliare-ro-finance","tag-intreaba-expertul","tag-rata-la-banca"],"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>R\u0103m\u00e2i f\u0103r\u0103 job, r\u0103m\u00e2i f\u0103r\u0103 cas\u0103? Ce se \u00eent\u00e2mpl\u0103 cu creditul t\u0103u c\u00e2nd nu po\u021bi s\u0103-\u021bi mai pl\u0103te\u0219ti ratele? - VIDEO \u00centreab\u0103 Expertul - \u00centreab\u0103 expertul, \u0218tiri, Video - ImoExpert<\/title>\n<meta name=\"description\" content=\"Dac\u0103 \u00ee\u021bi cau\u021bi o locuin\u021b\u0103 \u0219i ai nevoie de ob\u021binerea unui credit ipotecar pentru a finaliza tranzac\u021bia, probabil c\u0103 te-ai \u00eentrebat cel pu\u021bin o dat\u0103 ce se\" \/>\n<meta name=\"robots\" content=\"index, follow\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.imobiliare.ro\/imoexpert\/ramai-fara-job-ramai-fara-casa-ce-se-intampla-cu-creditul-tau-cand-nu-poti-sa-ti-mai-platesti-ratele-video-intreaba-expertul_db\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"R\u0103m\u00e2i f\u0103r\u0103 job, r\u0103m\u00e2i f\u0103r\u0103 cas\u0103? 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