{"id":14330,"date":"2020-10-07T14:21:05","date_gmt":"2020-10-07T11:21:05","guid":{"rendered":"https:\/\/financer.ro\/?post_type=company_single&#038;p=14330"},"modified":"2024-05-10T13:15:45","modified_gmt":"2024-05-10T10:15:45","slug":"cetelem","status":"publish","type":"company_single","link":"https:\/\/financer.ro\/companie\/cetelem\/","title":{"rendered":"Cetelem"},"content":{"rendered":"\n<div class=\"wp-block-image shortcode-no\"><figure class=\"alignright size-large\"><img decoding=\"async\" width=\"199\" height=\"59\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/14\/2020\/10\/cetelem.png\" alt=\"cetelem\" class=\"wp-image-14331\"><\/figure><\/div>\n\n\n\n<p>Cetelem, parte a grupului BNP Paribas Personal Finance, are o experien\u021b\u0103 interna\u021bional\u0103 de peste 60 ani \u00een ceea ce prive\u0219te acordarea de credite de consum pe pia\u021ba european\u0103.<\/p>\n\n\n\n<p>\u00cen Rom\u00e2nia, compania este prezent\u0103 din anul 2005 \u0219i activeaz\u0103 sub denumirea de Cetelem IFN S.A. <\/p>\n\n\n\n<table>\n<thead>\n<tr>\n<th colspan=\"2\">Cetelem &#8211; caracteristici generale<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><strong>Sum\u0103 maxim\u0103 creditat\u0103<\/strong><\/td>\n<td>150000lei<\/td>\n<\/tr>\n<tr>\n<td><strong>Dob\u00e2nd\u0103 anual\u0103<\/strong><\/td>\n<td>\u00cencep\u00e2nd de la 10.95 %<\/td>\n<\/tr>\n<tr>\n<td><strong>Perioad\u0103 de rambursare<\/strong><\/td>\n<td>6 &#8211; 60 luni<\/td>\n<\/tr>\n<tr>\n<td><strong>Debitarea direct\u0103 a datoriei de pe card<\/strong><\/td>\n<td>Da<\/td>\n<\/tr>\n<tr>\n<td><strong>Posibilitate de plat\u0103 numerar<\/strong><\/td>\n<td>Da, prin transfer la toate institu\u021biile bancare sau \u00een punctele de lucru<\/td>\n<\/tr>\n<tr>\n<td><strong>Puncte de lucru fixe<\/strong><\/td>\n<td>Da<\/td>\n<\/tr>\n<tr>\n<td><strong>V\u00e2rsta minim\u0103 a aplicantului<\/strong><\/td>\n<td>18 ani<\/td>\n<\/tr>\n<tr>\n<td><strong>Venit minim<\/strong><\/td>\n<td>700 lei<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n\n\n<p>Cu peste 2500 puncte de lucru, at\u00e2t proprii c\u00e2t \u0219i \u00een magazine partenere \u0219i mai bine de 800 angaja\u021bi, Cetelem este unul dintre cei mai mari juc\u0103tori din sectorul instrumentelor financiare adresate persoanelor fizice, de la noi din \u021bar\u0103.<\/p>\n\n\n\n<p><em>\u00cen ceea ce prive\u0219te produsele puse la dispozi\u021bia clien\u021bilor, acestea sunt:<\/em><\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"check\"><li><p><a href=\"https:\/\/financer.com\/ro\/credit\/credit-nevoi-personale\/\">Credite de nevoi personale<\/a><\/p>\n<\/li><li><p><a href=\"https:\/\/financer.com\/ro\/refinantare-credit-ce-este-si-cum-ne-putem-folosi-de-ea\/\">\u00cemprumuturi de refinan\u021bare<\/a><\/p>\n<\/li><li><p><a href=\"https:\/\/financer.com\/ro\/credit\/credit-auto\/\">Credite auto<\/a><\/p>\n<\/li><li><p><a href=\"https:\/\/financer.com\/ro\/card-de-cumparaturi\/\">Carduri de cump\u0103r\u0103turi<\/a><\/p>\n<\/li><li><p>Credite acordate pentru achizi\u021bionarea de produse, \u00een rate, prin magazinele partenere*<\/p>\n<\/li><li><p>Inclusiv <a href=\"https:\/\/financer.com\/ro\/asigurari\/asigurare-pad\/\">asigur\u0103ri<\/a> \u00ee\u021bi po\u021bi face prin intermediul companiei<\/p>\n<\/li><\/ul><\/div>\n\n\n<p>* Cetelem are \u00eencheiate colabor\u0103ri cu cele mai mari magazine de la noi din \u021bar\u0103, dintre care putem aminti eMag, Altex, Dedeman, Cora, Hornbach, Vivre \u0219i multe, multe altele.<\/p>\n\n\n\n<p>\u00cen ceea ce prive\u0219te condi\u021biile \u00eemprumuturilor acordate de acest IFN, fie c\u0103 vorbim despre un credit, o refinan\u021bare sau un card Cetelem, sumele maxime ce pot fi accesate ajung p\u00e2n\u0103 la 150.000 lei, \u00een vreme dob\u00e2nzile anuale pornesc de la 10.95 %.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Beneficiile_celor_de_la_Cetelem\">Beneficiile celor de la Cetelem<\/h2>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"like\"><li><p>Vei putea aplica pentru credite cuprinse \u00eentre 1.000 \u0219i 150.000 lei<\/p>\n<\/li><li><p>Dob\u00e2nzile anuale pornesc de la 10.95 % \u0219i cresc, \u00een func\u021bie de suma de care ai nevoie, de perioada \u00eemprumutului \u0219i de rezultatul analizei de risc a fiec\u0103rui client \u00een parte<\/p>\n<\/li><li><p>Maturitatea creditelor este \u00eentre 6 \u0219i 60 luni<\/p>\n<\/li><li><p>Nu se achit\u0103 nici un alt fel de taxe sau comisioane \u2013 de administrare, de analiz\u0103 dosar etc.<\/p>\n<\/li><li><p>Po\u021bi s\u0103 faci o asigurare pentru creditul accesat ce te va ajuta \u00een caz de imposibilitate de plat\u0103 a ratelor<\/p>\n<\/li><\/ul><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Ce_i_trebuie_pentru_a_putea_accesa_un_Cetelem_credit\">Ce \u00ee\u021bi trebuie pentru a putea accesa un Cetelem credit<\/h2>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"check\"><li><p>S\u0103 fi \u00eemplinit v\u00e2rsta de 18 ani<\/p>\n<\/li><li><p>S\u0103 fii cet\u0103\u021bean rom\u00e2n \u0219i s\u0103 furnizezi o copie dup\u0103 o carte de identitate valabil\u0103<\/p>\n<\/li><li><p>S\u0103 faci dovada unor venituri stabile lunare, ce pot proveni din salariu, chirii, pensie, dividende etc.<\/p>\n<\/li><li><p>Nu va trebui s\u0103 oferi nici un fel de garan\u021bie pentru un Cetelem card<\/p>\n<\/li><li><p>O copie dup\u0103 un extras de cont bancar \u00een care s\u0103 \u00ee\u021bi fie livra\u021bi banii<\/p>\n<\/li><li><p>O factur\u0103 de la utilit\u0103\u021bi, pe numele t\u0103u<\/p>\n<\/li><li><p>O adres\u0103 de email \u0219i un num\u0103r de telefon pe care s\u0103 fi contactat<\/p>\n<\/li><\/ul><\/div>\n\n\n\t\t<div id=\"genericloan_0_form\" class=\"fs-slider fs-slider--tooltip search-hero--bg2\"><h3>Compar\u0103 credite oferite de 16 companii<\/h3><p>G\u0103se\u0219te cel mai ieftin credit cu un singur click<\/p><div class=\"step amount\">    <div class=\"slider_cont step__value\">\n        <span class=\"fl_l_m_15 amount_display\"><\/span>\n    <\/div>\n    <div class=\"step__slider\">\n        <input type=\"range\" data-default-value=\"3000\" data-name=\"param_amount\" \/>\n    <\/div>\n<\/div><div class=\"step stepSubmit\"><a id=\"submitSliders\" href=\"https:\/\/financer.ro\/results?query=1&non_affiliate=true&param_amount=3000&param_period=30\" data-slider-url=\"https:\/\/financer.ro\/results?query=1&non_affiliate=true&param_amount=3000&param_period=30\" data-required=\"results?query=1non_affiliate=true&param_amount=3000&param_period=30&\" class=\"get_results compare button is-primary is-medium is-rounded\">Compar\u0103 ofertele<\/a><\/div>\t\t<\/div><h2 class=\"wp-block-heading\" id=\"Rambursarea_mprumutului\">Rambursarea \u00eemprumutului<\/h2>\n\n\n\n<p>Un credit Cetelem este foarte simplu de rambursat. Clien\u021bii au la dispozi\u021bie patru variante din care pot alege pentru a-\u0219i pl\u0103ti datoriile, iar acestea sunt:<\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"check\"><li><p>Prin transfer bancar, din contul t\u0103u, \u00een contul societ\u0103\u021bii<\/p>\n<\/li><li><p>Online prin contul \u201eclient Cetelem\u201d<\/p>\n<\/li><li><p>Numerar, la unul din multele puncte de lucru fixe ale IFN-ului sau ale colaboratorilor<\/p>\n<\/li><li><p>Tragerea automat\u0103 a sumelor din contul personal<\/p>\n<\/li><\/ul><\/div>\n\n\n<p>Cum unele dintre variantele de rambursare, precum transferul bancar, pot dura \u0219i p\u00e2n\u0103 la 24 ore lucr\u0103toare s\u0103 se realizeze, ne vedem nevoi\u021bi s\u0103 \u00ee\u021bi amintim c\u0103 ar fi bine s\u0103 \u00ee\u021bi iei o marj\u0103 de eroare atunci c\u00e2nd pl\u0103te\u0219ti suma datorat\u0103.<\/p>\n\n\n\n<p>Ca sfat, \u00ee\u021bi suger\u0103m s\u0103 efectuezi plata cu c\u00e2teva zile \u00eenainte de termenul limit\u0103, ca m\u0103sur\u0103 de siguran\u021b\u0103.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Cetelem_da_sau_nu\">Cetelem, da sau nu?<\/h2>\n\n\n\n<p>Ofertele celor de la Cetelem sunt unele bune, poate printre cele mai bune dintre toate IFN-urile de la noi din \u021bar\u0103.<\/p>\n\n\n\n<p>Acestea fiind zise, cu Financer po\u021bi g\u0103si trei variante ceva mai avantajoase, care vin cu credite cu dob\u00e2nzi 0 pentru clien\u021bii noi.<\/p>\n\n\n\n<p><em>Sun\u0103 bine, nu?<\/em><\/p>\n\n\n<div class=\"fn_block block_fn_button  buttons  is-flex is-flex-direction-column is-align-items-center\"><a href=\"#top\" class=\"button  is-rounded is-primary is-large is-arrow is-fullwidth\" target=\"_self\"  >Vezi cele trei variante avantajoase<\/a><\/div>","protected":false},"author":77,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"open","ping_status":"closed","template":"","categories":[1119],"company_type":[11],"overall_rating":"2.20000000","_links":{"self":[{"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/company_single\/14330"}],"collection":[{"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/company_single"}],"about":[{"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/types\/company_single"}],"author":[{"embeddable":true,"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/users\/77"}],"replies":[{"embeddable":true,"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/comments?post=14330"}],"version-history":[{"count":18,"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/company_single\/14330\/revisions"}],"predecessor-version":[{"id":17907,"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/company_single\/14330\/revisions\/17907"}],"wp:attachment":[{"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/media?parent=14330"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/categories?post=14330"},{"taxonomy":"company_type","embeddable":true,"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/company_type?post=14330"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}