{"id":13772,"date":"2025-11-03T13:31:54","date_gmt":"2025-11-03T11:31:54","guid":{"rendered":"https:\/\/covasna45.ro\/?p=13772"},"modified":"2025-11-03T13:31:54","modified_gmt":"2025-11-03T11:31:54","slug":"educatie-financiara-pentru-imm-uri-si-persoane-fizice-v-credite-pentru-firme","status":"publish","type":"post","link":"https:\/\/covasna45.ro\/index.php\/lumea-noastra\/educatie-financiara-pentru-imm-uri-si-persoane-fizice-v-credite-pentru-firme\/","title":{"rendered":"Educa\u021bie financiar\u0103 pentru IMM-uri \u0219i persoane fizice (V). Credite pentru firme"},"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>Societ\u0103\u021bile comerciale, indiferent de forma lor de organizare sau de m\u0103rimea lor, fie c\u0103 sunt micro\u00eentreprinderi sau IMM-uri, fie c\u0103 sunt firme mari sau corpora\u021bii, pot s\u0103 aib\u0103 nevoie de finan\u021b\u0103ri.<\/p>\n\n\n\n<p>\u00cen func\u021bie de destina\u021bia creditului solicitat, avem varianta <strong>Creditului capital de lucru.<\/strong> Acesta poate s\u0103 aib\u0103 o durat\u0103 de la 1 la 3 ani. Printr-un astfel de credit, societatea respectiv\u0103 acoper\u0103 ni\u0219te nevoi de finan\u021bare: utilaje, materii prime, plat\u0103 furnizori, salarii sau chiar \u0219i impozite \u0219i taxe.<\/p>\n\n\n\n<p>O alt\u0103 variant\u0103 pentru firme este <strong>Creditul de investi\u021bii.<\/strong> Acesta se deruleaz\u0103 pe o perioada mai lung\u0103, de 5-10 ani. Societ\u0103\u021bile \u00ee\u0219i acoper\u0103 nevoia de finan\u021bare pentru investi\u021bii pe termen mai lung: amenaj\u0103ri de hale de produc\u021bie, de magazine, investi\u021bii \u00een terenuri care toate au o durata de amortizare mai mare.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Liniile de credit pentru firme<\/h2>\n\n\n\n<p>S\u0103 le lu\u0103m pe r\u00e2nd<strong>. Creditele capital de lucru<\/strong> se pot acorda sub forma unei <strong>linii de credit<\/strong>. Aceasta are particularitatea de a fi <em>revolving<\/em>, firma put\u00e2nd s\u0103 consume bani \u0219i s\u0103-i ramburseze \u00eentr-un mod flexibil. Dob\u00e2nzile sunt calculate doar pentru perioada utilizata efectiv.<\/p>\n\n\n\n<p>O alta posibilitate este un credit clasic pe termen scurt. Suma se acord\u0103 integral \u0219i se ramburseaz\u0103 la scaden\u021b\u0103. O alta variant\u0103 este descoperitul de cont, care este ata\u0219at contului curent al firmei.<\/p>\n\n\n\n<p>Valoarea finan\u021b\u0103rii la acest tip de credite se calculeaz\u0103 \u00een func\u021bie de rulajul firmei respective \u0219i de criteriile de bonitate luate in calcul de fiecare banc\u0103.<\/p>\n\n\n\n<p>De obicei, valoarea unor astfel de credite este \u00eentre 100.000 \u0219i 5.000.000 de lei. Dar pot fi si sume mai mari \u00een cazul acelor firme care au rulaj mare. Se poate lua \u00een calcul un procent de 15% din rulajul anului anterior ca valoare de referin\u021b\u0103 pentru un astfel de credit.<\/p>\n\n\n\n<p>Garan\u021biile pot s\u0103 lipseasc\u0103 la creditele cu valoare mica, iar creditele s\u0103 fie acordate doar pe baza istoricului de activitate \u0219i de rulaj \u00een raport cu banca la care societatea comercial\u0103 are deschis contul. Dar sunt \u0219i situa\u021bii \u00een care se pot cere garan\u021bii.<\/p>\n\n\n\n<p><strong><em>\u00cen episodul urm\u0103tor \u2013 despre creditele de investi\u021bii destinate persoanelor juridice.<\/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. Societ\u0103\u021bile comerciale, indiferent de forma lor de organizare sau de m\u0103rimea lor, fie c\u0103 sunt micro\u00eentreprinderi sau IMM-uri, fie c\u0103 sunt firme mari sau corpora\u021bii, pot s\u0103 aib\u0103 nevoie de finan\u021b\u0103ri. \u00cen func\u021bie de destina\u021bia creditului solicitat, avem varianta Creditului capital de [&hellip;]<\/p>\n","protected":false},"author":10730,"featured_media":3214,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"tdm_status":"","tdm_grid_status":"","footnotes":""},"categories":[14],"tags":[425,301,4331,299,170],"class_list":{"0":"post-13772","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-lumea-noastra","8":"tag-banca","9":"tag-bani","10":"tag-capital-de-lucru","11":"tag-credite","12":"tag-firme"},"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 (V). Credite pentru firme - Covasna45<\/title>\n<meta name=\"description\" content=\"O alt\u0103 variant\u0103 pentru firme este Creditul de investi\u021bii. Acesta se deruleaz\u0103 pe o perioada mai lung\u0103, de 5-10 ani.\" \/>\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-v-credite-pentru-firme\/\" \/>\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 (V). Credite pentru firme - Covasna45\" \/>\n<meta property=\"og:description\" content=\"O alt\u0103 variant\u0103 pentru firme este Creditul de investi\u021bii. 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