{"id":13394,"date":"2025-10-13T09:24:22","date_gmt":"2025-10-13T07:24:22","guid":{"rendered":"https:\/\/covasna45.ro\/?p=13394"},"modified":"2025-10-13T09:24:23","modified_gmt":"2025-10-13T07:24:23","slug":"educatie-financiara-pentru-imm-uri-si-persoane-fizice-ii-creditele","status":"publish","type":"post","link":"https:\/\/covasna45.ro\/index.php\/lumea-noastra\/educatie-financiara-pentru-imm-uri-si-persoane-fizice-ii-creditele\/","title":{"rendered":"Educa\u021bie financiar\u0103 pentru IMM-uri \u0219i persoane fizice (II). Creditele"},"content":{"rendered":"\n<p><strong><em>Continu\u0103m rubrica s\u0103pt\u0103m\u00e2nal\u0103 de educa\u021bie financiar\u0103 semnat\u0103 de C\u0103t\u0103lin Leonte, expert \u00een acest domeniu.<\/em><\/strong><\/p>\n\n\n\n<p>A\u0219a cum ar\u0103tam \u00een <strong><a href=\"https:\/\/covasna45.ro\/index.php\/lumea-noastra\/educatie-financiara-pentru-imm-uri-si-persoane-fizice-i\/\">episodul anterior<\/a><\/strong>, exist\u0103 momente \u00een via\u021ba unei persoane sau a unei societ\u0103\u021bi comerciale \u00een care, pentru a r\u0103spunde nevoilor de dezvoltare, este nevoie de un credit.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Creditele pentru persoane fizice<\/strong><\/h2>\n\n\n\n<p>Una dintre categoriile de credite pentru persoane fizice sunt creditele imobiliare. Sunt creditele pentru cump\u0103rarea unui imobil: apartament, casa, teren. Vorbim despre sume mai consistente \u0219i durate de timp mai \u00eendelungate. La noi \u00een \u021bar\u0103, acestea ajung p\u00e2n\u0103 la 30 de ani. Vorbim, de asemenea, de \u00eenscrierea unei ipoteci \u00een favoarea finan\u021batorului p\u00e2n\u0103 la achitarea integral\u0103 a creditului. \u00cen acest moment, ipoteca este ridicata.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Mecanismul ob\u021binerii unui credit ipotecar<\/strong><\/h2>\n\n\n\n<p>Clientul va merge la banc\u0103, va prezenta actul de identitate \u0219i va semna o serie de acorduri: GDPR, de verificare a unor baze de date cum sunt CRC sau CRB. Banca va verifica c\u00e2teva lucruri cum ar fi: capacitatea de rambursare, garan\u021biile \u0219i istoricul de creditare al persoanei respective.<\/p>\n\n\n\n<p>Sa le luam pe r\u00e2nd. Pentru a verifica <strong>capacitatea de rambursare<\/strong>, banca va fi interesata de nivelul veniturilor persoanei care aplic\u0103. Aceasta reiese din veniturile legal dob\u00e2ndite de persoana respectiv\u0103 \u0219i care au un caracter cert, fiind \u00eenscrise la ANAF. Ele pot proveni din salarii, \u00eenchirieri, produc\u021bie agricol\u0103, proprietate intelectual\u0103. <\/p>\n\n\n\n<p>Ideea de baz\u0103 este ca nivelul veniturilor sa acopere costul vie\u021bii persoanei respective, cost la care se adaug\u0103 costurile aferente creditului. Acestea trebuie sa acopere rambursarea at\u00e2t a ratei de capital, c\u00e2t \u0219i a dob\u00e2nzilor.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Copl\u0103titorii \u0219i evaluarea garan\u021biilor<\/strong> <\/h2>\n\n\n\n<p>\u00cen cazul \u00een care banca nu va considera suficiente aceste venituri, va solicita un copl\u0103titor. De cele mai multe ori, este so\u021bul\/so\u021bia aplicantului. Dar copl\u0103titor poate fi \u0219i altcineva, o alt\u0103 persoan\u0103 care \u00ee\u0219i asum\u0103 aceast\u0103 responsabilitate.<\/p>\n\n\n\n<p>Daca sunt venituri suficiente, se trece la evaluarea <strong>garan\u021biilor.<\/strong> De obicei, se \u00eenscrie o ipotec\u0103 pe imobilul care este cump\u0103rat. Imobilul se evalueaz\u0103 de c\u0103tre un evaluator autorizat de banc\u0103. \u00cen cazul \u00een care evaluarea este mai mica dec\u00e2t valoarea solicitata a creditului, pot fi \u00eenscrise ipoteci pe alte imobile sau\/\u0219i se poate recurge la un avans mai mare.<\/p>\n\n\n\n<p><strong><em>\u00cen episodul urm\u0103tor, vom vorbi despre avansuri \u0219i celelalte verific\u0103ri f\u0103cute de banc\u0103.<\/em><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Continu\u0103m rubrica s\u0103pt\u0103m\u00e2nal\u0103 de educa\u021bie financiar\u0103 semnat\u0103 de C\u0103t\u0103lin Leonte, expert \u00een acest domeniu. A\u0219a cum ar\u0103tam \u00een episodul anterior, exist\u0103 momente \u00een via\u021ba unei persoane sau a unei societ\u0103\u021bi comerciale \u00een care, pentru a r\u0103spunde nevoilor de dezvoltare, este nevoie de un credit. Creditele pentru persoane fizice Una dintre categoriile de credite pentru persoane [&hellip;]<\/p>\n","protected":false},"author":10730,"featured_media":13395,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"tdm_status":"","tdm_grid_status":"","footnotes":""},"categories":[14],"tags":[184,299,162,1741,4210],"class_list":{"0":"post-13394","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-lumea-noastra","8":"tag-banci","9":"tag-credite","10":"tag-imm","11":"tag-imobiliare","12":"tag-persoane-fizice"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Educa\u021bie financiar\u0103 pentru IMM-uri \u0219i persoane fizice (II). Creditele - Covasna45<\/title>\n<meta name=\"description\" content=\"Sunt creditele pentru cump\u0103rarea unui imobil: apartament, casa, teren. 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