{"id":13515,"date":"2025-10-20T08:43:18","date_gmt":"2025-10-20T06:43:18","guid":{"rendered":"https:\/\/covasna45.ro\/?p=13515"},"modified":"2025-10-27T08:37:18","modified_gmt":"2025-10-27T06:37:18","slug":"educatie-financiara-pentru-imm-uri-si-persoane-fizice-ii-relatia-cu-banca","status":"publish","type":"post","link":"https:\/\/covasna45.ro\/index.php\/lumea-noastra\/educatie-financiara-pentru-imm-uri-si-persoane-fizice-ii-relatia-cu-banca\/","title":{"rendered":"Educa\u021bie financiar\u0103 pentru IMM-uri \u0219i persoane fizice (III). Rela\u021bia cu banca"},"content":{"rendered":"\n<p><strong><em>Rubric\u0103 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>Ast\u0103zi \u00a0vom vorbi despre <strong>avansuri, <\/strong>dar<strong> <\/strong>\u0219i despre celelalte <strong>verific\u0103ri <\/strong>f\u0103cute de banc\u0103.<\/p>\n\n\n\n<p>Dup\u0103 evaluarea capacit\u0103\u021bii de rambursare \u0219i a garan\u021biilor, banca verific\u0103 <strong>istoricul de credite<\/strong> al persoanei fizice care solicita un credit.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Banca \u021bine cont de un factor important: <strong>v\u00e2rsta<\/strong> persoanei. <\/h2>\n\n\n\n<p>O persoan\u0103 t\u00e2n\u0103r\u0103, s\u0103 zicem de 22 de ani, care nu are un istoric de credite, va fi privit cu pruden\u021b\u0103. Motivul: tocmai lipsa acestui istoric. Dar conteaz\u0103 si faptul c\u0103 nu are la aceast\u0103 v\u00e2rst\u0103 o experien\u021b\u0103 consistent\u0103 \u00een munc\u0103.<\/p>\n\n\n\n<p>Banca va verifica istoricul persoanei \u00een <strong>CRC, Centrala Riscurilor Bancare<\/strong>, \u0219i \u00een <strong>Biroul de Credite<\/strong>. \u00cen aceste baze de date se v\u0103d toate creditele \u00een derulare sau cele care au fost accesate anterior de c\u0103tre o persoan\u0103. Se v\u0103d \u0219i eventualele \u00eent\u00e2rzieri la plata creditelor. <\/p>\n\n\n\n<p>\u00cen functie de acest istoric, clientul este \u00eenscris \u00eentr-o anumit\u0103 clas\u0103 de risc. Iar \u00een func\u021bie de aceasta, banca poate s\u0103 \u00eei fac\u0103 o ofert\u0103 de pre\u021b. \u00cen ofert este luat \u00een calcul \u0219i acest aspect. Cu alte cuvinte, un client cu un risc sc\u0103zut va putea primi o ofert\u0103 financiar\u0103 mai bun\u0103 dec\u00e2t a unuia dintr-o clasa de risc mai mare. Ra\u021biunea este aceea c\u0103 riscul se traduce \u00een risc de neplat\u0103. Iar acesta poate fi cuantificat in bani.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Avansurile<\/strong><\/h2>\n\n\n\n<p>La creditele imobiliare se pune problema avansurilor pe care le solicit\u0103 banca. Ast\u0103zi, din acest punct de vedere, creditul cel mai accesibil, la care se solicita un avans de numai 5%, este Creditul Noua Cas\u0103.<\/p>\n\n\n\n<p>La alte credite, bancile cer avansuri \u00eentre 15% \u0219i 35%. Conteaz\u0103 \u0219i dac\u0103 este prima proprietate sau nu, sau dac\u0103 clasa de risc\u00a0solicit\u0103 o abordare pruden\u021bial\u0103 \u00een raport cu clientul.<\/p>\n\n\n\n<p>Cu c\u00e2t clasa de risc \u00een care se afl\u0103 clientul este mai mare, cu at\u00e2t avansul solicitat de banc\u0103 va putea s\u0103 fie mai mare.<\/p>\n\n\n\n<p><strong><em>\u00cen episodul urmator &#8211; despre creditele de nevoi personale pentru persoanele fizice.<\/em><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Rubric\u0103 s\u0103pt\u0103m\u00e2nal\u0103 de educa\u021bie financiar\u0103 semnat\u0103 de C\u0103t\u0103lin Leonte, expert \u00een acest domeniu. Ast\u0103zi \u00a0vom vorbi despre avansuri, dar \u0219i despre celelalte verific\u0103ri f\u0103cute de banc\u0103. Dup\u0103 evaluarea capacit\u0103\u021bii de rambursare \u0219i a garan\u021biilor, banca verific\u0103 istoricul de credite al persoanei fizice care solicita un credit. Banca \u021bine cont de un factor important: v\u00e2rsta persoanei. [&hellip;]<\/p>\n","protected":false},"author":10730,"featured_media":13518,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"tdm_status":"","tdm_grid_status":"","footnotes":""},"categories":[14],"tags":[505,301,2222,2060],"class_list":{"0":"post-13515","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-lumea-noastra","8":"tag-banca-2","9":"tag-bani","10":"tag-credit","11":"tag-educatie-financiara"},"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 (III). Rela\u021bia cu banca - Covasna45<\/title>\n<meta name=\"description\" content=\"Dup\u0103 evaluarea capacit\u0103\u021bii de rambursare \u0219i a garan\u021biilor, banca verific\u0103 istoricul de credite al persoanei\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/covasna45.ro\/index.php\/lumea-noastra\/educatie-financiara-pentru-imm-uri-si-persoane-fizice-ii-relatia-cu-banca\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Educa\u021bie financiar\u0103 pentru IMM-uri \u0219i persoane fizice (III). 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