{"id":13609,"date":"2025-10-27T08:51:55","date_gmt":"2025-10-27T06:51:55","guid":{"rendered":"https:\/\/covasna45.ro\/?p=13609"},"modified":"2025-10-27T08:51:55","modified_gmt":"2025-10-27T06:51:55","slug":"educatie-financiara-pentru-imm-uri-si-persoane-fizice-iv-creditele-de-nevoi-personale","status":"publish","type":"post","link":"https:\/\/covasna45.ro\/index.php\/lumea-noastra\/educatie-financiara-pentru-imm-uri-si-persoane-fizice-iv-creditele-de-nevoi-personale\/","title":{"rendered":"Educa\u021bie financiar\u0103 pentru IMM-uri \u0219i persoane fizice (IV). Creditele de nevoi personale"},"content":{"rendered":"\n<p><em><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><\/em> <\/p>\n\n\n\n<p>A\u0219a cum spuneam la finalul <a href=\"https:\/\/covasna45.ro\/index.php\/lumea-noastra\/educatie-financiara-pentru-imm-uri-si-persoane-fizice-ii-relatia-cu-banca\/\">episodului anterior<\/a>, ast\u0103zi \u00a0vom vorbi despre <strong>creditele de nevoi personale.<\/strong><\/p>\n\n\n\n<p><strong>Creditele de nevoi personale <\/strong>pentru persoane fizice pot fi <strong>garantate sau negarantate<\/strong>, \u00een func\u021bie de valoarea creditului solicitat. \u00cen oricare dintre cele doua variante, acestea se pot \u00eentinde \u00eens\u0103 pe o durat\u0103 de maxim <strong>60 de luni<\/strong>.<\/p>\n\n\n\n<p>Pentru acordarea unui astfel de credit, banca va evalua daca clientul are contract de munca pe perioada nedeterminata. Va verifica de c\u00e2nd \u00eel are, dac\u0103 are sau nu \u00eent\u00e2rzieri la alte credite acordate anterior. Va verifica \u0219i gradul total de \u00eendatorare al clientului.<\/p>\n\n\n\n<p>Conform normelor BNR, \u00een cazul creditelor \u00een lei, procentul maxim de \u00eendatorare poate fi de 40%. \u00cen cazul creditelor \u00een alta valut\u0103, poate fi de maxim 20%. Se accepta \u0219i alte venituri cum ar fi, venituri din \u00eenchirieri, dividende etc. \u00cen acest caz, procentul de ponderare va fi \u0219i mai mic dec\u00e2t \u00een cazul salariilor.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Creditele de nevoi personale pot fi folosite pentru orice scop: renov\u0103ri, cump\u0103r\u0103turi variate, cheltuieli medicale etc.<\/strong><\/h2>\n\n\n\n<p>De cele mai multe ori, creditele de nevoi personale nu sunt de valori foarte mari \u0219i, ca urmare, nu se solicit\u0103 garan\u021bii imobiliare. \u00cens\u0103, \u00een func\u021bie de profilul de risc al clientului, se poate ca unele b\u0103nci, \u00een cazul creditelor f\u0103r\u0103 garan\u021bii reale, s\u0103 solicite codebitori.<\/p>\n\n\n\n<p>Creditele de nevoi personale pot fi cu dob\u00e2nd\u0103 fix\u0103 sau cu dob\u00e2nd\u0103 variabil\u0103, moment \u00een care \u00een componen\u021ba dob\u00e2nzii intr\u0103 o variabil\u0103 &#8211; ROBOR sau IRCC. Sunt indici care se modific\u0103 \u00een permanen\u021b\u0103 \u0219i care fac greu de bugetat un efort financiar al persoanei care acceseaz\u0103 creditul.<\/p>\n\n\n\n<p>La acest gen de credite este bine s\u0103 studia\u021bi cu aten\u021bie toate caracteristicile: dob\u00e2nda, comisionul de acordare \u0219i pe cele de rambursare anticipat\u0103 \u0219i cel lunar, de administrare. Toate aceste componente alc\u0103tuiesc DAE &#8211; Dob\u00e2nda Anual\u0103 Efectiv\u0103. Ast\u0103zi, DAE la creditele de nevoi personale este peste 12%. De multe ori, poate s\u0103 ajung\u0103 \u0219i la peste 20%. Ca urmare, creditul trebuie evaluat cu mare r\u0103spundere. Chiar dac\u0103 ave\u021bi nevoie de acei bani, s-ar putea s\u0103 fie foarte scumpi.<\/p>\n\n\n\n<p><strong>\u00cen episodul urm\u0103tor &#8211; despre creditele destinate persoanelor juridice.<\/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. A\u0219a cum spuneam la finalul episodului anterior, ast\u0103zi \u00a0vom vorbi despre creditele de nevoi personale. Creditele de nevoi personale pentru persoane fizice pot fi garantate sau negarantate, \u00een func\u021bie de valoarea creditului solicitat. \u00cen oricare dintre cele doua variante, acestea se pot [&hellip;]<\/p>\n","protected":false},"author":10730,"featured_media":13610,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"tdm_status":"","tdm_grid_status":"","footnotes":""},"categories":[14],"tags":[184,301,299,4310,4311],"class_list":{"0":"post-13609","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-lumea-noastra","8":"tag-banci","9":"tag-bani","10":"tag-credite","11":"tag-nevoi-personale","12":"tag-rate"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Educa\u021bie financiar\u0103 pentru IMM-uri \u0219i persoane fizice (IV). Creditele de nevoi personale - Covasna45<\/title>\n<meta name=\"description\" content=\"De cele mai multe ori, creditele de nevoi personale nu sunt de valori foarte mari \u0219i, ca urmare, nu se solicit\u0103 garan\u021bii imobiliare.\" \/>\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-iv-creditele-de-nevoi-personale\/\" \/>\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 (IV). Creditele de nevoi personale - Covasna45\" \/>\n<meta property=\"og:description\" content=\"De cele mai multe ori, creditele de nevoi personale nu sunt de valori foarte mari \u0219i, ca urmare, nu se solicit\u0103 garan\u021bii imobiliare.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/covasna45.ro\/index.php\/lumea-noastra\/educatie-financiara-pentru-imm-uri-si-persoane-fizice-iv-creditele-de-nevoi-personale\/\" \/>\n<meta property=\"og:site_name\" content=\"Covasna45\" \/>\n<meta property=\"article:published_time\" content=\"2025-10-27T06:51:55+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/covasna45.ro\/wp-content\/uploads\/2025\/10\/credit-nevoi-personale.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1080\" \/>\n\t<meta property=\"og:image:height\" content=\"1080\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"C\u0103t\u0103lin Leonte\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Scris de\" \/>\n\t<meta name=\"twitter:data1\" content=\"C\u0103t\u0103lin Leonte\" \/>\n\t<meta name=\"twitter:label2\" content=\"Timp estimat pentru citire\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/covasna45.ro\\\/index.php\\\/lumea-noastra\\\/educatie-financiara-pentru-imm-uri-si-persoane-fizice-iv-creditele-de-nevoi-personale\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/covasna45.ro\\\/index.php\\\/lumea-noastra\\\/educatie-financiara-pentru-imm-uri-si-persoane-fizice-iv-creditele-de-nevoi-personale\\\/\"},\"author\":{\"name\":\"C\u0103t\u0103lin Leonte\",\"@id\":\"https:\\\/\\\/covasna45.ro\\\/#\\\/schema\\\/person\\\/012d2c26ef8d77d5aa53dae8ef24522d\"},\"headline\":\"Educa\u021bie financiar\u0103 pentru IMM-uri \u0219i persoane fizice (IV). 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