{"id":11117,"date":"2024-06-26T13:02:00","date_gmt":"2024-06-26T10:02:00","guid":{"rendered":"https:\/\/financer.ro\/?page_id=11117"},"modified":"2025-03-06T13:11:31","modified_gmt":"2025-03-06T11:11:31","slug":"refinantare-credit","status":"publish","type":"page","link":"https:\/\/financer.ro\/credit\/credit-nevoi-personale\/refinantare-credit\/","title":{"rendered":"Refinan\u021bare credit"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\" id=\"Refinanare_credit___ghid_complet\">Refinan\u021bare credit &#8211; ghid complet<\/h2>\n\n\n\n<p>Te-ai trezit vreodat\u0103 privind factura de credit \u0219i \u00eentreb\u00e2ndu-te dac\u0103 exist\u0103 o modalitate de a reduce acele rate lunare care par s\u0103-\u021bi \u00eenghit\u0103 o parte semnificativ\u0103 din venit? Sau poate ai mai multe credite \u0219i visezi la ziua \u00een care vei avea de gestionat o singur\u0103 plat\u0103 lunar\u0103? <\/p>\n\n\n\n<p>Dac\u0103 te reg\u0103se\u0219ti \u00een aceste situa\u021bii, conceptul de refinan\u021bare credit ar putea fi exact ceea ce cau\u021bi.<\/p>\n\n\n\n<p>Refinan\u021barea creditului este procesul prin care \u00eenlocuie\u0219ti un \u00eemprumut existent cu unul nou, de obicei \u00een condi\u021bii mai avantajoase. <\/p>\n\n\n\n<p>Este ca \u0219i cum ai lua decizii financiare pentru ni\u0219te \u00eemprumuturi accesate \u00een trecut, doar c\u0103 le optimizezi cu \u00een\u021belepciunea \u0219i experien\u021ba pe care le-ai acumulat p\u00e2n\u0103 acum. Asta este, \u00een esen\u021b\u0103, refinan\u021barea.<\/p>\n\n\n\n<p>Dar de ce s\u0103 apelezi la refinan\u021bare credit? Motivele sunt diverse \u0219i adesea foarte personale, dar c\u00e2teva se eviden\u021biaz\u0103 \u00een mod constant:<\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"check\"><li><p><strong>Reducerea ratei lunare<\/strong>: Cine nu \u0219i-ar dori s\u0103 aib\u0103 mai mul\u021bi bani \u00een buzunar la sf\u00e2r\u0219itul lunii?<\/p>\n<\/li><li><p><strong>Ob\u021binerea unei dob\u00e2nzi mai mici<\/strong>: Cu c\u00e2t pl\u0103te\u0219ti mai pu\u021bin pentru \u00eemprumutul t\u0103u, cu at\u00e2t mai bine, nu-i a\u0219a?<\/p>\n<\/li><li><p><strong>Comasarea mai multor \u00eemprumuturi<\/strong>: Simplificarea finan\u021belor personale poate aduce o mare u\u0219urare.<\/p>\n<\/li><li><p><strong>Prelungirea perioadei de rambursare<\/strong>: Uneori, extinderea termenului poate face diferen\u021ba \u00eentre a respira u\u0219urat \u0219i a te sim\u021bi sufocat financiar.<\/p>\n<\/li><\/ul><\/div>\n\n\n<p>\u00cen acest ghid complet, vom explora \u00een detaliu ce \u00eenseamn\u0103 refinan\u021bare credit, vom analiza avantajele \u0219i dezavantajele acestui proces, \u0219i \u00ee\u021bi vom oferi informa\u021biile necesare pentru a decide dac\u0103 refinan\u021barea este potrivit\u0103 pentru situa\u021bia ta financiar\u0103. <\/p>\n\n\n<div class=\"fn_block block_fn_button  buttons  is-flex is-flex-direction-column is-align-items-center\"><a href=\"https:\/\/financer.ro\/companie\/creditprime\/redirect\/\" class=\"button  is-rounded is-primary is-medium\" target=\"_blank\"  rel=\"sponsored nofollow\">Aplic\u0103 pentru un credit de refinan\u021bare de la CreditPrime<\/a><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Ce_nseamn_refinanare_credit\">Ce \u00eenseamn\u0103 refinan\u021bare credit<\/h2>\n\n\n\n<p>C\u00e2nd vorbim despre refinan\u021bare credit, ne referim la o opera\u021biune financiar\u0103 sofisticat\u0103, dar cu un scop simplu: s\u0103 \u00eembun\u0103t\u0103\u021be\u0219ti termenii \u00eemprumutului t\u0103u actual. <\/p>\n\n\n\n<p>\u00cen esen\u021b\u0103, refinan\u021barea creditului, cunoscut\u0103 \u0219i sub numele de credit de refinan\u021bare, implic\u0103 contractarea unui nou \u00eemprumut pentru a-l achita pe cel vechi, rezult\u00e2nd \u00eentr-un nou set de condi\u021bii de creditare.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box boxed\"><div class=\"fn_block__icon\"><\/div><h3 id=\"Refinanare_credit_definiie\">Refinan\u021bare credit defini\u021bie<\/h3><p>Pentru a te ajuta s\u0103 \u00een\u021belegi mai bine ce este o refinan\u021bare credit, ne-am g\u00e2ndit s\u0103 venim cu o compara\u021bie:<\/p>\n<p>S\u0103 zicem c\u0103 ai un costum care nu \u021bi se mai potrive\u0219te bine fie pentru c\u0103 ai sl\u0103bit, fie pentru c\u0103 din start era ceva cam mare dar nu aveai bani de ceva mai cambrat.<\/p>\n<p>\u00cen loc s\u0103 continui s\u0103-l por\u021bi a\u0219a cum este, decizi s\u0103-l ajustezi sau s\u0103-l \u00eenlocuie\u0219ti cu unul nou, care se potrive\u0219te perfect nevoilor tale actuale.<\/p>\n<p>Asta face, de fapt, refinan\u021barea pentru situa\u021bia ta financiar\u0103.<\/p><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"Caracteristicile_principale_ale_unui_credit_de_refinanare\">Caracteristicile principale ale unui credit de refinan\u021bare<\/h3>\n\n\n\n<p>Un credit de refinan\u021bare vine cu o serie de caracteristici distinctive care \u00eel fac atractiv pentru mul\u021bi debitori:<\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"check\"><li><p><strong>Rat\u0103 a dob\u00e2nzii diferit\u0103<\/strong>: De obicei, scopul principal este ob\u021binerea unei rate mai mici, ceea ce poate duce la economii semnificative pe termen lung.<\/p>\n<\/li><li><p><strong>Perioad\u0103 de rambursare ajustat\u0103<\/strong>: Po\u021bi opta pentru o perioad\u0103 mai scurt\u0103 pentru a achita datoria mai repede, sau una mai lung\u0103 pentru a reduce presiunea lunar\u0103 asupra bugetului t\u0103u.<\/p>\n<\/li><li><p><strong>Posibilitatea de a schimba tipul de rat\u0103<\/strong>: Poate ai \u00eenceput cu o rat\u0103 variabil\u0103 \u0219i acum preferi stabilitatea unei rate fixe, sau invers. <\/p>\n<\/li><li><p><strong>Op\u021biunea de a \u00eemprumuta o sum\u0103 suplimentar\u0103<\/strong>: \u00cen unele cazuri, po\u021bi accesa fonduri suplimentare peste soldul creditului existent.<\/p>\n<\/li><li><p><strong>Poten\u021bial de a combina mai multe credite<\/strong>: Dac\u0103 ai multiple \u00eemprumuturi, refinan\u021barea \u00ee\u021bi ofer\u0103 \u0219ansa de a le consolida \u00eentr-unul singur, simplific\u00e2ndu-\u021bi via\u021ba financiar\u0103.<\/p>\n<\/li><\/ul><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"Statistici_relevante_despre_obiceiurile_de_creditare_ale_romnilor\">Statistici relevante despre obiceiurile de creditare ale rom\u00e2nilor<\/h3>\n\n\n\n<p>Tot aici credem c\u0103 este bine s\u0103 prezent\u0103m c\u00e2teva statistici recente privind obiceiurile de creditare ale rom\u00e2nilor, iar, odat\u0103 citite, vei \u00een\u021belege de ce am sim\u021bit nevoie s\u0103 cre\u0103m acest ghid detaliat dedicate creditelor de refinan\u021bare:<\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"check\"><li><p>La final de august 2024, <a href=\"https:\/\/www.zf.ro\/banci-si-asigurari\/cati-romani-au-credite-ipotecare-credite-consum-carduri-credite-22522739\">peste 2.5 milioane de rom\u00e2ni aveau un tip de credit activ<\/a>. Iat\u0103 cum erau \u00eemp\u0103r\u021bite aceste \u00eemprumuturi:<\/p>\n<p>* 1.205.825 persoane aveau credite de nevoi personale active<\/p>\n<p>* 712.360 persoane aveau carduri de credit active<\/p>\n<p>* 542.055 aveau credite ipotecare active<\/p>\n<\/li><li><p>Din ace\u0219ti debitori, la final de 2024, <a href=\"https:\/\/www.euronews.ro\/articole\/tot-mai-multi-romani-nu-mai-pot-plati-creditele-240-de-mii-de-romani-au-restante\">peste 240.000 rom\u00e2ni \u00eenregistrau restan\u021be<\/a> \u00een plata datoriilor la institu\u021bii financiare.<\/p>\n<\/li><li><p>Din aceste statistici observ\u0103m c\u0103 aproape 10% din totalul creditelor active \u00eenregistreaz\u0103 restan\u021be la plata datoriilor.<\/p>\n<\/li><\/ul><\/div>\n\n\n<p>Aceste cifre ne arat\u0103 c\u0103 pia\u021ba creditelor este semnificativ\u0103 \u00een Rom\u00e2nia, avem mul\u021bi cona\u021bionali care nu \u00ee\u0219i pot achita datoriile, motiv pentru care interesul pentru optimizarea condi\u021biilor de \u00eemprumut prin refinan\u021bare este \u00een cre\u0219tere.<\/p>\n\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 17 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=\"Avantajele_refinanrii_creditului\">Avantajele refinan\u021b\u0103rii creditului<\/h2>\n\n\n\n<p>Refinan\u021barea creditului poate aduce o serie de beneficii semnificative pentru debitori. Hai s\u0103 analiz\u0103m \u00een detaliu principalele avantaje care fac din refinan\u021bare o op\u021biune at\u00e2t de atractiv\u0103 pentru mul\u021bi rom\u00e2ni.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Reducerea_ratei_lunare\">Reducerea ratei lunare<\/h3>\n\n\n\n<p>Unul dintre cele mai conving\u0103toare motive pentru care oamenii aleg s\u0103 refinan\u021beze este posibilitatea de a reduce suma pe care o pl\u0103tesc lunar pentru creditul lor. Aceast\u0103 reducere poate fi realizat\u0103 \u00een dou\u0103 moduri principale:<\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"check\"><li><p><strong>Ob\u021binerea unei dob\u00e2nzi mai mici<\/strong>: Dac\u0103 ai ob\u021binut creditul ini\u021bial \u00eentr-o perioad\u0103 cu dob\u00e2nzi ridicate sau dac\u0103 situa\u021bia ta financiar\u0103 s-a \u00eembun\u0103t\u0103\u021bit considerabil, ai \u0219anse bune s\u0103 ob\u021bii o rat\u0103 a dob\u00e2nzii mai avantajoas\u0103.<\/p>\n<\/li><li><p><strong>Prelungirea perioadei de rambursare<\/strong>: Extinderea termenului de plat\u0103 poate reduce suma lunar\u0103, de\u0219i trebuie s\u0103 fii con\u0219tient c\u0103 acest lucru poate \u00eensemna plata unei sume totale mai mari pe termen lung.<\/p>\n<\/li><\/ul><\/div>\n\n\n<h4 class=\"wp-block-heading\">Exemplu concret:<\/h4>\n\n\n\n<p>S\u0103 presupunem c\u0103 ai un credit de nevoi personale de 50.000 lei pe 5 ani, cu o dob\u00e2nd\u0103 de 9% pe an. Rata ta lunar\u0103 actual\u0103 ar fi \u00een jur de 1.038 lei.<\/p>\n\n\n\n<p>Apel\u00e2nd la o refinan\u021bare <a href=\"https:\/\/financer.ro\/credit\/credit-nevoi-personale\/\">credit nevoi personale<\/a>, ai putea ob\u021bine o dob\u00e2nd\u0103 de 7% pe an \u0219i o perioad\u0103 de 7 ani. Noua ta rat\u0103 lunar\u0103 ar fi de aproximativ 728 lei. Asta \u00eenseamn\u0103 o economie lunar\u0103 de 310 lei, bani pe care \u00eei po\u021bi folosi pentru alte nevoi sau pentru a face economii.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Comasarea_mai_multor_mprumuturi\">Comasarea mai multor \u00eemprumuturi<\/h3>\n\n\n\n<p>Dac\u0103 te reg\u0103se\u0219ti jongl\u00e2nd cu mai multe credite \u00een acela\u0219i timp, refinan\u021barea \u00ee\u021bi ofer\u0103 oportunitatea de a le combina \u00eentr-un singur \u00eemprumut. Acest proces, cunoscut \u0219i sub numele de consolidarea datoriilor, vine cu mai multe avantaje:<\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"check\"><li><p><strong>O singur\u0103 rat\u0103 lunar\u0103 de pl\u0103tit<\/strong>: \u00cen loc s\u0103 urm\u0103re\u0219ti multiple date scadente \u0219i sume, vei avea o singur\u0103 plat\u0103 de gestionat lunar.<\/p>\n<\/li><li><p><strong>Posibilitatea de a ob\u021bine o dob\u00e2nd\u0103 mai mic\u0103<\/strong>: Adesea, rata dob\u00e2nzii pentru noul credit consolidat poate fi mai mic\u0103 dec\u00e2t media dob\u00e2nzilor creditelor existente.<\/p>\n<\/li><li><p><strong>Managementul mai u\u0219or al finan\u021belor personale<\/strong>: Cu mai pu\u021bine pl\u0103\u021bi de urm\u0103rit, devine mai simplu s\u0103-\u021bi organizezi bugetul \u0219i s\u0103 evi\u021bi \u00eent\u00e2rzierile la plat\u0103.<\/p>\n<\/li><\/ul><\/div>\n\n\n<h4 class=\"wp-block-heading\">Exemplu concret &#8211; situa\u021bia lui Andrei<\/h4>\n\n\n\n<p>Andrei (caracter fictiv) are urm\u0103toarele credite active:<\/p>\n\n\n\n<ol>\n<li>Credit de nevoi personale: 20.000 lei, dob\u00e2nd\u0103 12% pe an, rat\u0103 lunar\u0103 528 lei<\/li>\n\n\n\n<li>Credit auto: 30.000 lei, dob\u00e2nd\u0103 8% pe an, rat\u0103 lunar\u0103 608 lei<\/li>\n\n\n\n<li>Sold card de credit: 5.000 lei, dob\u00e2nd\u0103 20% pe an, plat\u0103 minim\u0103 lunar\u0103 250 lei<\/li>\n<\/ol>\n\n\n\n<p>\u00cen total, Andrei pl\u0103te\u0219te lunar 1.386 lei pentru aceste trei credite \u0219i trebuie s\u0103 \u021bin\u0103 minte trei date de plat\u0103 diferite.<\/p>\n\n\n\n<p>A\u0219a c\u0103 decide s\u0103 consolideze aceste datorii printr-un singur credit de refinan\u021bare. El ob\u021bine o ofert\u0103 pentru un credit de 55.000 lei (care acoper\u0103 suma total\u0103 a datoriilor existente) cu o dob\u00e2nd\u0103 de 9% pe an, pe o perioad\u0103 de 5 ani.<\/p>\n\n\n\n<p>Rezultatul refinan\u021b\u0103rii:<\/p>\n\n\n\n<ol>\n<li>O singur\u0103 rat\u0103 lunar\u0103: 1.140 lei (\u00een loc de 1.386 lei)<\/li>\n\n\n\n<li>O singur\u0103 dat\u0103 de plat\u0103 de urm\u0103rit<\/li>\n\n\n\n<li>Economie lunar\u0103: 246 lei<\/li>\n\n\n\n<li>Dob\u00e2nd\u0103 medie mai mic\u0103: 9% \u00een loc de media ponderat\u0103 anterioar\u0103 de aproximativ 11%<\/li>\n\n\n\n<li>Predictibilitate mai bun\u0103: rat\u0103 fix\u0103 \u00een loc de pl\u0103\u021bi variabile (\u00een special pentru cardul de credit)<\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Obinerea_de_sume_suplimentare\">Ob\u021binerea de sume suplimentare<\/h3>\n\n\n\n<p>\u00cen anumite situa\u021bii, refinan\u021barea poate fi o oportunitate de a \u00eemprumuta o sum\u0103 suplimentar\u0103 fa\u021b\u0103 de soldul creditului existent. Acest aspect poate fi deosebit de util c\u00e2nd ai nevoie de fonduri pentru:<\/p>\n\n\n\n<ul>\n<li>Renovarea casei<\/li>\n\n\n\n<li>Investi\u021bii \u00een educa\u021bie<\/li>\n\n\n\n<li>Consolidarea altor datorii cu dob\u00e2nzi mai mari (de exemplu, carduri de credit)<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">Exemplu concret<\/h4>\n\n\n\n<p>S\u0103 zicem c\u0103 ai un credit ipotecar cu un sold r\u0103mas de 200.000 lei, dar ai nevoie de 50.000 lei pentru renovarea casei. <\/p>\n\n\n\n<p>Prin refinan\u021bare, ai putea ob\u021bine un nou credit de 250.000 lei, acoperind at\u00e2t soldul vechi, c\u00e2t \u0219i suma necesar\u0103 pentru renovare, posibil cu o rat\u0103 a dob\u00e2nzii mai avantajoas\u0103 dec\u00e2t dac\u0103 ai lua un credit separat pentru renovare.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Beneficiul_unei_perioade_de_graie\">Beneficiul unei perioade de gra\u021bie<\/h3>\n\n\n\n<p>Unele oferte de refinan\u021bare includ o perioad\u0103 de gra\u021bie, \u00een care po\u021bi pl\u0103ti doar dob\u00e2nda sau chiar am\u00e2na pl\u0103\u021bile pentru c\u00e2teva luni. Acest beneficiu poate fi extrem de valoros \u00een anumite situa\u021bii de via\u021b\u0103, precum:<\/p>\n\n\n\n<ul>\n<li>Schimbarea locului de munc\u0103, c\u00e2nd trebuie s\u0103 a\u0219tep\u021bi prima ta nou\u0103 salarizare<\/li>\n\n\n\n<li>Probleme temporare de lichiditate cauzate de cheltuieli nea\u0219teptate<\/li>\n\n\n\n<li>Investi\u021bii pe termen scurt care necesit\u0103 capital, dar promit un randament bun<\/li>\n<\/ul>\n\n\n\n<p>Perioada de gra\u021bie \u00ee\u021bi ofer\u0103 o gur\u0103 de aer proasp\u0103t financiar, permi\u021b\u00e2ndu-\u021bi s\u0103-\u021bi reorganizezi finan\u021bele f\u0103r\u0103 presiunea imediat\u0103 a ratelor complete.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Compar_credite_de_refinanare_i_alege_l_pe_cel_mai_bun\">Compar\u0103 credite de refinan\u021bare \u0219i alege-l pe cel mai bun<\/h2>\n\n\n\n<p>Cu Financer po\u021bi compara cele mai bune credite de refinan\u021bare din \u021bara noatr\u0103 \u0219i \u00eel po\u021bi alege pe cel care crezi c\u0103 \u021bi se potrive\u0219te cel mai bine. <\/p>\n\n\n\n<p>Mai jos, g\u0103se\u0219ti un tabel comparativ cu companiile care credem noi c\u0103 vin cu cele mai avantajoase oferte la ora actual\u0103:<\/p>\n\n\n<div class=\"fn_block fn-comparison-table\">                                <div class=\"comparison-table__binder\">\n                <div class=\"comparison-table__dots is-hidden-tablet\">\n                    <div class=\"comparison-table__dot comparison-table__dot--big\"><\/div>\n                    <div class=\"comparison-table__dot\"><\/div>\n                    <div class=\"comparison-table__dot\"><\/div>\n                <\/div>\n                <div class=\"comparison-table__relative is-content\">\n                    <div class=\"comparison-table__scroll is-content\">\n                        <table class=\"comparison-table is-content\" js-data-comparison-table=\"\"\n                               js-data-affiliate-on-top=\"false\">\n                            <thead>\n                                <tr>\n                                    <th>\n                                        <span data-sorting=\"logo\"  data-sorting-type=\"asc\" class=\"comparison-table__title\">\n                                            Companie                                        <\/span>\n                                    <\/th>\n                                                                        <th>\n                                        <span data-sorting=\"rating\" data-sorting-type=\"asc\" class=\"comparison-table__title\">\n                                            Rating                                        <\/span>\n                                    <\/th>\n                                    \n                                    <th> <span data-sorting=\"interest-rate-range\" data-sorting-type=\"asc\" \n                    class=\"comparison-table__title\"\n                    title=\"Dob\u00e2nd\u0103\">Dob\u00e2nd\u0103<\/span><\/th><th> <span data-sorting=\"highest-loan-amount\" data-sorting-type=\"asc\" \n                    class=\"comparison-table__title\"\n                    title=\"Valoare maxim\u0103\">Valoare maxim\u0103<\/span><\/th><th> <span data-sorting=\"loan-period-range\" data-sorting-type=\"asc\" \n                    class=\"comparison-table__title\"\n                    title=\"Durata creditului\">Durata creditului<\/span><\/th><th> <span data-sorting=\"minimum-income\" data-sorting-type=\"asc\" \n                    class=\"comparison-table__title\"\n                    title=\"Venit minim\">Venit minim<\/span><\/th>                                    <th>\n                                        <span data-sorting=\"affiliate\" class=\"comparison-table__title comparison-table__title--button\">\n                                                                                    <\/span>\n                                    <\/th>\n                                <\/tr>\n                            <\/thead>\n                            <tbody>\n                                <tr class=\"comparison-table__row\"  data-columns=\"7\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"CreditPrime\"\n                data-product-id=\"1035\">\n                \n                <a target=\"_blank\"  data-url_param_unq=\"\"  data-url_param_pid=\"1035\"  rel=\"sponsored nofollow\"  href=\"https:\/\/financer.ro\/companie\/creditprime\/redirect\/\">\n                    <img decoding=\"async\" title=\"CreditPrime\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/14\/2018\/06\/prime.png\" alt=\"CreditPrime\">\n                <\/a><\/td><td data-sorting=\"rating\" data-sorting-value=\"3.71857639\">\n            <a href=\"https:\/\/financer.ro\/companie\/creditprime\/#read-reviews\"><span class=\"simple-rating-value rating_light-green\" data-rating-value=\"3.7\">3.7<\/span><\/a><\/td><td data-sorting=\"interest-rate-range\" data-sorting-value=\"0.00\">0,00%<\/td><td data-sorting=\"highest-loan-amount\" data-sorting-value=\"15000.00\">15.000 Lei<\/td><td data-sorting=\"loan-period-range\" data-sorting-value=\"10\">10 Zile &#8211; 1 Lun\u0103<\/td><td data-sorting=\"minimum-income\" data-sorting-value=\"500\">500<\/td><td data-sorting=\"affiliate\" data-sorting-value=\"1\"\n            js-data-comparison-table-button=\"\"><a target=\"_blank\"  rel=\"sponsored nofollow\" \n            href=\"https:\/\/financer.ro\/companie\/creditprime\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"1035\" \n            class=\"button is-rounded is-primary is-arrow comparison-table__button\" target=\"_blank\" >\n            Vezi oferta<\/a><\/td><\/tr><tr class=\"comparison-table__row\"  data-columns=\"7\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"Ferratum\"\n                data-product-id=\"1114\">\n                <span class=\"search-card__featured\">recomandat<\/span>\n                <a target=\"_blank\"  data-url_param_unq=\"\"  data-url_param_pid=\"1114\"  rel=\"sponsored nofollow\"  href=\"https:\/\/financer.ro\/companie\/ferratum-money\/redirect\/\">\n                    <img decoding=\"async\" title=\"Ferratum\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/14\/2018\/07\/ferratum.png\" alt=\"Ferratum\">\n                <\/a><\/td><td data-sorting=\"rating\" data-sorting-value=\"3.68750000\">\n            <a href=\"https:\/\/financer.ro\/companie\/ferratum-money\/#read-reviews\"><span class=\"simple-rating-value rating_light-green\" data-rating-value=\"3.7\">3.7<\/span><\/a><\/td><td data-sorting=\"interest-rate-range\" data-sorting-value=\"0.00\">0,00% &#8211; 144,00%<\/td><td data-sorting=\"highest-loan-amount\" data-sorting-value=\"19000.00\">19.000 Lei<\/td><td data-sorting=\"loan-period-range\" data-sorting-value=\"15\">15 Zile &#8211; 1 An . 6 Luni<\/td><td data-sorting=\"minimum-income\" data-sorting-value=\"700\">700<\/td><td data-sorting=\"affiliate\" data-sorting-value=\"1\"\n            js-data-comparison-table-button=\"\"><a target=\"_blank\"  rel=\"sponsored nofollow\" \n            href=\"https:\/\/financer.ro\/companie\/ferratum-money\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"1114\" \n            class=\"button is-rounded is-primary is-arrow comparison-table__button\" target=\"_blank\" >\n            Vezi oferta<\/a><\/td><\/tr><tr class=\"comparison-table__row\"  data-columns=\"7\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"Hora Credit\"\n                data-product-id=\"1061\">\n                \n                <a target=\"_blank\"  data-url_param_unq=\"\"  data-url_param_pid=\"1061\"  rel=\"sponsored nofollow\"  href=\"https:\/\/financer.ro\/companie\/hora-credit\/redirect\/\">\n                    <img decoding=\"async\" title=\"Hora Credit\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/14\/2018\/06\/hora-credit.png\" alt=\"Hora Credit\">\n                <\/a><\/td><td data-sorting=\"rating\" data-sorting-value=\"3.34825581\">\n            <a href=\"https:\/\/financer.ro\/companie\/hora-credit\/#read-reviews\"><span class=\"simple-rating-value rating_yellow\" data-rating-value=\"3.3\">3.3<\/span><\/a><\/td><td data-sorting=\"interest-rate-range\" data-sorting-value=\"0.00\">0,00%<\/td><td data-sorting=\"highest-loan-amount\" data-sorting-value=\"10000.00\">10.000 Lei<\/td><td data-sorting=\"loan-period-range\" data-sorting-value=\"7\">7 Zile &#8211; 1 An<\/td><td data-sorting=\"minimum-income\" data-sorting-value=\"500\">500<\/td><td data-sorting=\"affiliate\" data-sorting-value=\"1\"\n            js-data-comparison-table-button=\"\"><a target=\"_blank\"  rel=\"sponsored nofollow\" \n            href=\"https:\/\/financer.ro\/companie\/hora-credit\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"1061\" \n            class=\"button is-rounded is-primary is-arrow comparison-table__button\" target=\"_blank\" >\n            Vezi oferta<\/a><\/td><\/tr><tr class=\"comparison-table__row\"  data-columns=\"7\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"Provident\"\n                data-product-id=\"1938\">\n                \n                <a target=\"_blank\"  data-url_param_unq=\"\"  data-url_param_pid=\"1938\"  rel=\"sponsored nofollow\"  href=\"https:\/\/financer.ro\/companie\/provident\/redirect\/\">\n                    <img decoding=\"async\" title=\"Provident\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/14\/2018\/08\/provident1.png\" alt=\"Provident\">\n                <\/a><\/td><td data-sorting=\"rating\" data-sorting-value=\"3.51470588\">\n            <a href=\"https:\/\/financer.ro\/companie\/provident\/#read-reviews\"><span class=\"simple-rating-value rating_light-green\" data-rating-value=\"3.5\">3.5<\/span><\/a><\/td><td data-sorting=\"interest-rate-range\" data-sorting-value=\"49.00\">49,00% &#8211; 76,00%<\/td><td data-sorting=\"highest-loan-amount\" data-sorting-value=\"15000.00\">15.000 Lei<\/td><td data-sorting=\"loan-period-range\" data-sorting-value=\"360\">1 An &#8211; 2 Ani<\/td><td data-sorting=\"minimum-income\" data-sorting-value=\"300\">300<\/td><td data-sorting=\"affiliate\" data-sorting-value=\"0\"\n            js-data-comparison-table-button=\"\"><a target=\"_blank\"  rel=\"sponsored nofollow\" \n            href=\"https:\/\/financer.ro\/companie\/provident\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"1938\" \n            class=\"button is-rounded is-primary is-arrow comparison-table__button\" target=\"_blank\" disabled>\n            Vezi oferta<\/a><\/td><\/tr><tr class=\"comparison-table__row\"  data-columns=\"7\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"Viva Credit\"\n                data-product-id=\"1974\">\n                <span class=\"search-card__featured\">recomandat<\/span>\n                <a target=\"_blank\"  data-url_param_unq=\"\"  data-url_param_pid=\"1974\"  rel=\"sponsored nofollow\"  href=\"https:\/\/financer.ro\/companie\/viva-credit\/redirect\/\">\n                    <img decoding=\"async\" title=\"Viva Credit\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/14\/2018\/09\/vivacredit1.png\" alt=\"Viva Credit\">\n                <\/a><\/td><td data-sorting=\"rating\" data-sorting-value=\"4.23214286\">\n            <a href=\"https:\/\/financer.ro\/companie\/viva-credit\/#read-reviews\"><span class=\"simple-rating-value rating_light-green\" data-rating-value=\"4.2\">4.2<\/span><\/a><\/td><td data-sorting=\"interest-rate-range\" data-sorting-value=\"0.00\">0,00%<\/td><td data-sorting=\"highest-loan-amount\" data-sorting-value=\"20000.00\">20.000 Lei<\/td><td data-sorting=\"loan-period-range\" data-sorting-value=\"10\">10 Zile &#8211; 1 An<\/td><td data-sorting=\"minimum-income\" data-sorting-value=\"700\">700<\/td><td data-sorting=\"affiliate\" data-sorting-value=\"1\"\n            js-data-comparison-table-button=\"\"><a target=\"_blank\"  rel=\"sponsored nofollow\" \n            href=\"https:\/\/financer.ro\/companie\/viva-credit\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"1974\" \n            class=\"button is-rounded is-primary is-arrow comparison-table__button\" target=\"_blank\" >\n            Vezi oferta<\/a><\/td><\/tr>                            <\/tbody>\n                        <\/table>\n                    <\/div>\n                                            <table class=\"comparison-table comparison-table--content-logo is-hidden-mobile\">\n                            <thead>\n                                <tr>\n                                    <th>\n                                        <span data-sorting=\"logo\"  data-sorting-type=\"asc\" class=\"comparison-table__title\">\n                                            Companie                                        <\/span>\n                                    <\/th>\n                                <\/tr>\n                            <\/thead>\n                            <tbody>\n                                <tr class=\"comparison-table__row\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"CreditPrime\"\n                data-product-id=\"1035\">\n                \n                <a target=\"_blank\"  data-url_param_unq=\"\"  data-url_param_pid=\"1035\"  rel=\"sponsored nofollow\"  href=\"https:\/\/financer.ro\/companie\/creditprime\/redirect\/\">\n                    <img decoding=\"async\" title=\"CreditPrime\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/14\/2018\/06\/prime.png\" alt=\"CreditPrime\">\n                <\/a><\/td><\/tr><tr class=\"comparison-table__row\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"Ferratum\"\n                data-product-id=\"1114\">\n                <span class=\"search-card__featured\">recomandat<\/span>\n                <a target=\"_blank\"  data-url_param_unq=\"\"  data-url_param_pid=\"1114\"  rel=\"sponsored nofollow\"  href=\"https:\/\/financer.ro\/companie\/ferratum-money\/redirect\/\">\n                    <img decoding=\"async\" title=\"Ferratum\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/14\/2018\/07\/ferratum.png\" alt=\"Ferratum\">\n                <\/a><\/td><\/tr><tr class=\"comparison-table__row\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"Hora Credit\"\n                data-product-id=\"1061\">\n                \n                <a target=\"_blank\"  data-url_param_unq=\"\"  data-url_param_pid=\"1061\"  rel=\"sponsored nofollow\"  href=\"https:\/\/financer.ro\/companie\/hora-credit\/redirect\/\">\n                    <img decoding=\"async\" title=\"Hora Credit\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/14\/2018\/06\/hora-credit.png\" alt=\"Hora Credit\">\n                <\/a><\/td><\/tr><tr class=\"comparison-table__row\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"Provident\"\n                data-product-id=\"1938\">\n                \n                <a target=\"_blank\"  data-url_param_unq=\"\"  data-url_param_pid=\"1938\"  rel=\"sponsored nofollow\"  href=\"https:\/\/financer.ro\/companie\/provident\/redirect\/\">\n                    <img decoding=\"async\" title=\"Provident\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/14\/2018\/08\/provident1.png\" alt=\"Provident\">\n                <\/a><\/td><\/tr><tr class=\"comparison-table__row\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"Viva Credit\"\n                data-product-id=\"1974\">\n                <span class=\"search-card__featured\">recomandat<\/span>\n                <a target=\"_blank\"  data-url_param_unq=\"\"  data-url_param_pid=\"1974\"  rel=\"sponsored nofollow\"  href=\"https:\/\/financer.ro\/companie\/viva-credit\/redirect\/\">\n                    <img decoding=\"async\" title=\"Viva Credit\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/14\/2018\/09\/vivacredit1.png\" alt=\"Viva Credit\">\n                <\/a><\/td><\/tr>                            <\/tbody>\n                        <\/table>\n                        <table class=\"comparison-table comparison-table--content-button is-hidden-mobile\">\n                            <thead>\n                                <tr>\n                                    <th>Aplic\u0103 acum<\/th>\n                                <\/tr>\n                            <\/thead>\n                            <tbody>\n                                <tr class=\"comparison-table__row\"><td data-sorting=\"affiliate\" data-sorting-value=\"1\"\n            js-data-comparison-table-button=\"\"><a target=\"_blank\"  rel=\"sponsored nofollow\" \n            href=\"https:\/\/financer.ro\/companie\/creditprime\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"1035\" \n            class=\"button is-rounded is-primary is-arrow comparison-table__button\" target=\"_blank\" >\n            Vezi oferta<\/a><\/td><\/tr><tr class=\"comparison-table__row\"><td data-sorting=\"affiliate\" data-sorting-value=\"1\"\n            js-data-comparison-table-button=\"\"><a target=\"_blank\"  rel=\"sponsored nofollow\" \n            href=\"https:\/\/financer.ro\/companie\/ferratum-money\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"1114\" \n            class=\"button is-rounded is-primary is-arrow comparison-table__button\" target=\"_blank\" >\n            Vezi oferta<\/a><\/td><\/tr><tr class=\"comparison-table__row\"><td data-sorting=\"affiliate\" data-sorting-value=\"1\"\n            js-data-comparison-table-button=\"\"><a target=\"_blank\"  rel=\"sponsored nofollow\" \n            href=\"https:\/\/financer.ro\/companie\/hora-credit\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"1061\" \n            class=\"button is-rounded is-primary is-arrow comparison-table__button\" target=\"_blank\" >\n            Vezi oferta<\/a><\/td><\/tr><tr class=\"comparison-table__row\"><td data-sorting=\"affiliate\" data-sorting-value=\"0\"\n            js-data-comparison-table-button=\"\"><a target=\"_blank\"  rel=\"sponsored nofollow\" \n            href=\"https:\/\/financer.ro\/companie\/provident\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"1938\" \n            class=\"button is-rounded is-primary is-arrow comparison-table__button\" target=\"_blank\" disabled>\n            Vezi oferta<\/a><\/td><\/tr><tr class=\"comparison-table__row\"><td data-sorting=\"affiliate\" data-sorting-value=\"1\"\n            js-data-comparison-table-button=\"\"><a target=\"_blank\"  rel=\"sponsored nofollow\" \n            href=\"https:\/\/financer.ro\/companie\/viva-credit\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"1974\" \n            class=\"button is-rounded is-primary is-arrow comparison-table__button\" target=\"_blank\" >\n            Vezi oferta<\/a><\/td><\/tr>                            <\/tbody>\n                        <\/table>\n                                        <table class=\"comparison-table comparison-table--mobile is-content is-hidden-tablet\"\n                           js-data-comparison-table=\"\" js-data-affiliate-on-top=\"false\">\n                        <thead>\n                            <tr>\n                                <th style=\"width: 125px\">\n                                    <span data-sorting=\"logo\"  data-sorting-type=\"asc\" class=\"comparison-table__title\">\n                                        Companie                                    <\/span>\n                                <\/th>\n                                <th>\n                                    <span data-sorting=\"rating\" data-sorting-type=\"asc\" class=\"comparison-table__title\">\n                                        Rating                                    <\/span>\n                                <\/th>\n                                <th> <span data-sorting=\"interest-rate-range\" data-sorting-type=\"asc\" \n                    class=\"comparison-table__title\"\n                    title=\"Dob\u00e2nd\u0103\">Dob\u00e2nd\u0103<\/span><\/th><th> <span data-sorting=\"highest-loan-amount\" data-sorting-type=\"asc\" \n                    class=\"comparison-table__title\"\n                    title=\"Valoare maxim\u0103\">Valoare maxim\u0103<\/span><\/th><th> <span data-sorting=\"loan-period-range\" data-sorting-type=\"asc\" \n                    class=\"comparison-table__title\"\n                    title=\"Durata creditului\">Durata creditului<\/span><\/th><th> <span data-sorting=\"minimum-income\" data-sorting-type=\"asc\" \n                    class=\"comparison-table__title\"\n                    title=\"Venit minim\">Venit minim<\/span><\/th>                                <th>Aplic\u0103 acum                                <\/th>\n                            <\/tr>\n                        <\/thead>\n                        <tbody>\n                            <tr class=\"comparison-table__row\"  data-columns=\"7\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"CreditPrime\"\n                data-product-id=\"1035\">\n                \n                <a target=\"_blank\"  data-url_param_unq=\"\"  data-url_param_pid=\"1035\"  rel=\"sponsored nofollow\"  href=\"https:\/\/financer.ro\/companie\/creditprime\/redirect\/\">\n                    <img decoding=\"async\" title=\"CreditPrime\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/14\/2018\/06\/prime.png\" alt=\"CreditPrime\">\n                <\/a><\/td><td data-sorting=\"rating\" data-sorting-value=\"3.71857639\">\n            <a href=\"https:\/\/financer.ro\/companie\/creditprime\/#read-reviews\"><span class=\"simple-rating-value rating_light-green\" data-rating-value=\"3.7\">3.7<\/span><\/a><\/td><td data-sorting=\"interest-rate-range\" data-sorting-value=\"0.00\">0,00%<\/td><td data-sorting=\"highest-loan-amount\" data-sorting-value=\"15000.00\">15.000 Lei<\/td><td data-sorting=\"loan-period-range\" data-sorting-value=\"10\">10 Zile &#8211; 1 Lun\u0103<\/td><td data-sorting=\"minimum-income\" data-sorting-value=\"500\">500<\/td><td data-sorting=\"affiliate\" data-sorting-value=\"1\"\n            js-data-comparison-table-button=\"\"><a target=\"_blank\"  rel=\"sponsored nofollow\" \n            href=\"https:\/\/financer.ro\/companie\/creditprime\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"1035\" \n            class=\"button is-rounded is-primary is-arrow comparison-table__button\" target=\"_blank\" >\n            Vezi oferta<\/a><\/td><\/tr><tr class=\"comparison-table__row\"  data-columns=\"7\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"Ferratum\"\n                data-product-id=\"1114\">\n                <span class=\"search-card__featured\">recomandat<\/span>\n                <a target=\"_blank\"  data-url_param_unq=\"\"  data-url_param_pid=\"1114\"  rel=\"sponsored nofollow\"  href=\"https:\/\/financer.ro\/companie\/ferratum-money\/redirect\/\">\n                    <img decoding=\"async\" title=\"Ferratum\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/14\/2018\/07\/ferratum.png\" alt=\"Ferratum\">\n                <\/a><\/td><td data-sorting=\"rating\" data-sorting-value=\"3.68750000\">\n            <a href=\"https:\/\/financer.ro\/companie\/ferratum-money\/#read-reviews\"><span class=\"simple-rating-value rating_light-green\" data-rating-value=\"3.7\">3.7<\/span><\/a><\/td><td data-sorting=\"interest-rate-range\" data-sorting-value=\"0.00\">0,00% &#8211; 144,00%<\/td><td data-sorting=\"highest-loan-amount\" data-sorting-value=\"19000.00\">19.000 Lei<\/td><td data-sorting=\"loan-period-range\" data-sorting-value=\"15\">15 Zile &#8211; 1 An . 6 Luni<\/td><td data-sorting=\"minimum-income\" data-sorting-value=\"700\">700<\/td><td data-sorting=\"affiliate\" data-sorting-value=\"1\"\n            js-data-comparison-table-button=\"\"><a target=\"_blank\"  rel=\"sponsored nofollow\" \n            href=\"https:\/\/financer.ro\/companie\/ferratum-money\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"1114\" \n            class=\"button is-rounded is-primary is-arrow comparison-table__button\" target=\"_blank\" >\n            Vezi oferta<\/a><\/td><\/tr><tr class=\"comparison-table__row\"  data-columns=\"7\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"Hora Credit\"\n                data-product-id=\"1061\">\n                \n                <a target=\"_blank\"  data-url_param_unq=\"\"  data-url_param_pid=\"1061\"  rel=\"sponsored nofollow\"  href=\"https:\/\/financer.ro\/companie\/hora-credit\/redirect\/\">\n                    <img decoding=\"async\" title=\"Hora Credit\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/14\/2018\/06\/hora-credit.png\" alt=\"Hora Credit\">\n                <\/a><\/td><td data-sorting=\"rating\" data-sorting-value=\"3.34825581\">\n            <a href=\"https:\/\/financer.ro\/companie\/hora-credit\/#read-reviews\"><span class=\"simple-rating-value rating_yellow\" data-rating-value=\"3.3\">3.3<\/span><\/a><\/td><td data-sorting=\"interest-rate-range\" data-sorting-value=\"0.00\">0,00%<\/td><td data-sorting=\"highest-loan-amount\" data-sorting-value=\"10000.00\">10.000 Lei<\/td><td data-sorting=\"loan-period-range\" data-sorting-value=\"7\">7 Zile &#8211; 1 An<\/td><td data-sorting=\"minimum-income\" data-sorting-value=\"500\">500<\/td><td data-sorting=\"affiliate\" data-sorting-value=\"1\"\n            js-data-comparison-table-button=\"\"><a target=\"_blank\"  rel=\"sponsored nofollow\" \n            href=\"https:\/\/financer.ro\/companie\/hora-credit\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"1061\" \n            class=\"button is-rounded is-primary is-arrow comparison-table__button\" target=\"_blank\" >\n            Vezi oferta<\/a><\/td><\/tr><tr class=\"comparison-table__row\"  data-columns=\"7\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"Provident\"\n                data-product-id=\"1938\">\n                \n                <a target=\"_blank\"  data-url_param_unq=\"\"  data-url_param_pid=\"1938\"  rel=\"sponsored nofollow\"  href=\"https:\/\/financer.ro\/companie\/provident\/redirect\/\">\n                    <img decoding=\"async\" title=\"Provident\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/14\/2018\/08\/provident1.png\" alt=\"Provident\">\n                <\/a><\/td><td data-sorting=\"rating\" data-sorting-value=\"3.51470588\">\n            <a href=\"https:\/\/financer.ro\/companie\/provident\/#read-reviews\"><span class=\"simple-rating-value rating_light-green\" data-rating-value=\"3.5\">3.5<\/span><\/a><\/td><td data-sorting=\"interest-rate-range\" data-sorting-value=\"49.00\">49,00% &#8211; 76,00%<\/td><td data-sorting=\"highest-loan-amount\" data-sorting-value=\"15000.00\">15.000 Lei<\/td><td data-sorting=\"loan-period-range\" data-sorting-value=\"360\">1 An &#8211; 2 Ani<\/td><td data-sorting=\"minimum-income\" data-sorting-value=\"300\">300<\/td><td data-sorting=\"affiliate\" data-sorting-value=\"0\"\n            js-data-comparison-table-button=\"\"><a target=\"_blank\"  rel=\"sponsored nofollow\" \n            href=\"https:\/\/financer.ro\/companie\/provident\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"1938\" \n            class=\"button is-rounded is-primary is-arrow comparison-table__button\" target=\"_blank\" disabled>\n            Vezi oferta<\/a><\/td><\/tr><tr class=\"comparison-table__row\"  data-columns=\"7\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"Viva Credit\"\n                data-product-id=\"1974\">\n                <span class=\"search-card__featured\">recomandat<\/span>\n                <a target=\"_blank\"  data-url_param_unq=\"\"  data-url_param_pid=\"1974\"  rel=\"sponsored nofollow\"  href=\"https:\/\/financer.ro\/companie\/viva-credit\/redirect\/\">\n                    <img decoding=\"async\" title=\"Viva Credit\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/14\/2018\/09\/vivacredit1.png\" alt=\"Viva Credit\">\n                <\/a><\/td><td data-sorting=\"rating\" data-sorting-value=\"4.23214286\">\n            <a href=\"https:\/\/financer.ro\/companie\/viva-credit\/#read-reviews\"><span class=\"simple-rating-value rating_light-green\" data-rating-value=\"4.2\">4.2<\/span><\/a><\/td><td data-sorting=\"interest-rate-range\" data-sorting-value=\"0.00\">0,00%<\/td><td data-sorting=\"highest-loan-amount\" data-sorting-value=\"20000.00\">20.000 Lei<\/td><td data-sorting=\"loan-period-range\" data-sorting-value=\"10\">10 Zile &#8211; 1 An<\/td><td data-sorting=\"minimum-income\" data-sorting-value=\"700\">700<\/td><td data-sorting=\"affiliate\" data-sorting-value=\"1\"\n            js-data-comparison-table-button=\"\"><a target=\"_blank\"  rel=\"sponsored nofollow\" \n            href=\"https:\/\/financer.ro\/companie\/viva-credit\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"1974\" \n            class=\"button is-rounded is-primary is-arrow comparison-table__button\" target=\"_blank\" >\n            Vezi oferta<\/a><\/td><\/tr>                        <\/tbody>\n                    <\/table>\n                <\/div>\n            <\/div>\n\n        <\/div>\n\n\n<p>Din acest tabel, credem noi c\u0103 dou\u0103 oferte au un mare avantaj \u00een fa\u021ba celorlalte. Iat\u0103 care ar fi acelea:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Ferratum___mprumut_de_pn_la_10000_lei_cu_dobnd_0_pentru_primele_30_zile\">Ferratum &#8211; \u00eemprumut de p\u00e2n\u0103 la 10.000 lei cu dob\u00e2nd\u0103 0 pentru primele 30 zile<\/h3>\n\n\n\n<p>Cei de la Ferratum vin cu o ofert\u0103 de nerefuzat &#8211; \u00eemprumut de nevoi personale ce poate fi folosit dup\u0103 bunul plac, deci \u0219i pentru refinan\u021bare, cu dob\u00e2nd\u0103 0 pentru primele 30 zile de la aplicare.<\/p>\n\n\n\n<p>Ulterior, dob\u00e2nda zilnic\u0103 este una decent\u0103, de doar 0.4022% pe zi. Cu alte cuvinte, la un credit maxim de 10.000 lei, vei pl\u0103ti o dob\u00e2nd\u0103 de 40.2 lei pe zi.<\/p>\n\n\n\n<p>\u00cemprumutul poate func\u021biona \u0219i ca linie de credit cu rambursare lunar\u0103, situa\u021bie \u00een care vei avea de achitat cel pu\u021bin 14% din suma total\u0103 utilizat\u0103 \u0219i nerambursata + dob\u00e2nda aferent\u0103.<\/p>\n\n\n<div class=\"fn_block block_fn_button  buttons  is-flex is-flex-direction-column is-align-items-center\"><a href=\"https:\/\/financer.ro\/companie\/ferratum-money\/redirect\/\" class=\"button  is-rounded is-primary is-medium\" target=\"_blank\"  rel=\"sponsored nofollow\">Aplic\u0103 pentru un credit Ferratum aici<\/a><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"CreditPrime___credit_de_pn_la_15000_lei_cu_dobnd_0_n_prima_lun\">CreditPrime &#8211; credit de p\u00e2n\u0103 la 15.000 lei cu dob\u00e2nd\u0103 0 \u00een prima lun\u0103<\/h3>\n\n\n\n<p>CreditPrime vin cu o ofert\u0103 chiar mai bun\u0103 dec\u00e2t cei de la Ferratum, dac\u0103 ne \u00eentrebi pe noi: credit rapid de p\u00e2n\u0103 la 15.000 lei cu dob\u00e2nd\u0103 0 \u00een primele 30 zile.<\/p>\n\n\n\n<p>Motivul pentru care i-am pus pe locul secund este acela c\u0103, dup\u0103 expirarea celor 30 zile, dob\u00e2nda zilnic\u0103 va fi de 0.55%, dar poate urca p\u00e2n\u0103 la 1%, \u00een func\u021bie de suma accesat\u0103 \u0219i profilul beneficiarului.<\/p>\n\n\n\n<p>Asta \u00eenseamn\u0103 c\u0103, pentru suma maxim\u0103 de 15.000 lei, costul zilnic ar fi de 82.50 lei (0.55% pe zi). <\/p>\n\n\n\n<p>La fel ca mai sus, \u00eemprumutul se poate transforma \u00eentr-unul cu pl\u0103\u021bi lunare.<\/p>\n\n\n<div class=\"fn_block block_fn_button  buttons  is-flex is-flex-direction-column is-align-items-center\"><a href=\"https:\/\/financer.ro\/companie\/creditprime\/redirect\/\" class=\"button  is-rounded is-primary is-medium\" target=\"_blank\"  rel=\"sponsored nofollow\">Acceseaz\u0103 p\u00e2n\u0103 la 15.000 lei cu CreditPrime<\/a><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Credit_refinanare_condiii\">Credit refinan\u021bare condi\u021bii<\/h2>\n\n\n\n<p>Dac\u0103 vrei s\u0103 aplici pentru un credit de refinan\u021bare, iat\u0103 ce condi\u021bii va trebui s\u0103 respec\u021bi:<\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ol class=\"check\"><li><p><strong>Evaluarea situa\u021biei financiare actuale<\/strong>: \u00cenainte de a \u00eencepe procesul de refinan\u021bare, este foarte important s\u0103-\u021bi analizezi \u00een detaliu situa\u021bia financiar\u0103 curent\u0103 &#8211; ce venituri ai, care este nivelul datoriilor actuale, soldul creditului, rata dob\u00e2nzii etc.<\/p>\n<\/li><li><p><strong>Cercetarea ofertelor de refinan\u021bare disponibile pe pia\u021b\u0103<\/strong>: Analizeaz\u0103 ofertele de refinan\u021bare credit existente pe pia\u021b\u0103 \u0219i compar\u0103-le \u00eentre ele. Nu te mul\u021bumi cu prima ofert\u0103 pe care o g\u0103se\u0219ti \u0219i apeleaz\u0103 chiar \u0219i la IFN-uri care pot veni cu oferte chiar mai avantajoase ca b\u0103ncile \u00een unele situa\u021bii.<\/p>\n<\/li><li><p><strong>Preg\u0103tirea documenta\u021biei necesare<\/strong>: Aceast\u0103 etap\u0103 implic\u0103 colectarea tuturor documentelor cerute de institu\u021bia financiar\u0103 (prezent\u0103m mai jos care sunt acestea).<\/p>\n<\/li><li><p><strong>Depunerea cererii de refinan\u021bare<\/strong>: Cu toate documentele preg\u0103tite, po\u021bi depune oficial cererea de refinan\u021bare. Po\u021bi aplica pentru un credit de refinan\u021bare online sau la o sucursal\u0103 bancar\u0103, \u00een func\u021bie de preferin\u021bele tale \u0219i op\u021biunile oferite de institu\u021bia aleas\u0103.<\/p>\n<\/li><li><p><strong>Evaluarea cererii de c\u0103tre institu\u021bia financiar\u0103<\/strong>: Banca sau IFN-ul va analiza cererea ta, verific\u00e2nd toate informa\u021biile furnizate \u0219i evalu\u00e2nd riscul asociat cu acordarea noului credit.<\/p>\n<\/li><li><p><strong>Semnarea noului contract de credit<\/strong>: Dac\u0103 cererea ta este aprobat\u0103 \u0219i e\u0219ti mul\u021bumit de termenii oferi\u021bi, urmeaz\u0103 semnarea noului contract de credit.<\/p>\n<\/li><li><p><strong>\u00cenchiderea vechiului credit<\/strong>: Ultimul pas implic\u0103 folosirea noului credit pentru a rambursa integral vechiul \u00eemprumut. De obicei, acest proces este gestionat direct de c\u0103tre noua institu\u021bie financiar\u0103, dar asigur\u0103-te c\u0103 prime\u0219ti confirmarea c\u0103 vechiul credit a fost \u00eenchis complet.<\/p>\n<\/li><\/ol><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"Documentele_necesare_pentru_refinanare\">Documentele necesare pentru refinan\u021bare<\/h3>\n\n\n\n<p>Pentru a-\u021bi u\u0219ura procesul de preg\u0103tire, iat\u0103 o list\u0103 detaliat\u0103 a documentelor pe care, cel mai probabil, va trebui s\u0103 le furnizezi:<\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"check\"><li><p>Copie dup\u0103 cartea de identitate<\/p>\n<\/li><li><p>Adeverin\u021b\u0103 de venit sau flutura\u0219 de salariu recent<\/p>\n<\/li><li><p>Extrase de cont bancar<\/p>\n<\/li><li><p>Copie dup\u0103 contractul de credit existent<\/p>\n<\/li><li><p>Adeverin\u021b\u0103 de la banca actual\u0103 \u00een care s\u0103 se specifice soldul creditului \u0219i s\u0103 confirme c\u0103 e\u0219ti la zi cu pl\u0103\u021bile<\/p>\n<\/li><li><p>Documente privind alte venituri dac\u0103 este cazul (chirii, dividende etc.)<\/p>\n<\/li><li><p>Documente privind garan\u021biile \u00een cazul creditelor garantate (acte de proprietate, evalu\u0103ri recente etc.)<\/p>\n<\/li><\/ul><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"Condiii_generale_de_eligibilitate\">Condi\u021bii generale de eligibilitate<\/h3>\n\n\n\n<p>De\u0219i condi\u021biile specifice pot varia \u00eentre institu\u021bii, iat\u0103 c\u00e2teva criterii generale de eligibilitate pentru refinan\u021barea creditului:<\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"check\"><li><p>V\u00e2rsta minim\u0103 (de obicei 18 sau 21 de ani) \u0219i maxim\u0103 (de obicei 65 sau 70 de ani la finalul creditului)<\/p>\n<\/li><li><p>Venit minim net, stabilit de fiecare institu\u021bie financiar\u0103 Istoric de credit favorabil<\/p>\n<\/li><li><p>Grad de \u00eendatorare \u00een limitele acceptate (de obicei sub 40-50% din venitul net)<\/p>\n<\/li><li><p>Vechime la locul de munc\u0103 actual (de obicei minim 3-6 luni)<\/p>\n<\/li><\/ul><\/div>\n\n\n                <div class=\"fn_block block_fn_msg_box cost search-hero--bg2\">\n\t\t\t\t<h3>Cum s\u0103 economise\u0219ti <span class=\"compare-amount\">2.455,00 Lei <\/span> cu un credit<\/h3>\n\t\t\t\t<p>Diferen\u021ba de pre\u021b pentru un credit de 3.000,00 Lei pe 90 zile este de 2.455,00 Lei.<\/p>\n\t\t\t\t<p class=\"has-text-left\"><a href=\"https:\/\/financer.ro\/results\/?query=1&filter_non_affiliate=1&param_amount=3000&param_period=90\" class=\"button is-normal is-primary is-rounded\">Afl\u0103 cum<\/a><\/p>\n                <\/div><h2 class=\"wp-block-heading\" id=\"La_ce_trebuie_s_fii_atent_cnd_refinanezi_un_credit\">La ce trebuie s\u0103 fii atent c\u00e2nd refinan\u021bezi un credit<\/h2>\n\n\n\n<p>Refinan\u021barea unui credit poate fi o decizie financiar\u0103 inteligent\u0103, dar, ca orice demers financiar important, vine cu propriile sale provoc\u0103ri \u0219i aspecte care necesit\u0103 aten\u021bie deosebit\u0103. <\/p>\n\n\n\n<p>Iat\u0103 la ce trebuie s\u0103 fii atent pentru a te asigura c\u0103 refinan\u021barea aduce beneficiile scontate.<\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"check\"><li><p><strong>Costul total al refinan\u021b\u0103rii<\/strong> <\/p>\n<p>Nu te l\u0103sa orbit de promisiunea unei rate lunare mai mici. Calculeaz\u0103 costul total al creditului pe \u00eentreaga perioad\u0103 de rambursare. Acesta include: <\/p>\n<p>* Suma total\u0103 a dob\u00e2nzilor pl\u0103tite <\/p>\n<p>* Comisioanele de acordare \u0219i administrare <\/p>\n<p>* Costurile asociate cu \u00eenchiderea vechiului credit (dac\u0103 exist\u0103) <\/p>\n<p>* Costurile notariale (pentru refinan\u021barea de credite garantate)<\/p>\n<p>Folose\u0219te un calculator de credite pentru a compara costul total al noului credit cu cel r\u0103mas de pl\u0103tit pentru creditul existent.<\/p>\n<\/li><li><p><strong>Durata total\u0103 a \u00eemprumutului dup\u0103 refinan\u021bare<\/strong> <\/p>\n<p>Extinderea perioadei de rambursare poate reduce rata lunar\u0103, dar te va \u021bine \u00eendatorat pentru mai mult timp. Evalueaz\u0103 dac\u0103 acest compromis se aliniaz\u0103 cu obiectivele tale financiare pe termen lung.<\/p>\n<\/li><li><p><strong>Tipul de dob\u00e2nd\u0103 (fix\u0103 sau variabil\u0103)<\/strong> <\/p>\n<p>Fiecare tip de dob\u00e2nd\u0103 vine cu avantaje \u0219i riscuri: <\/p>\n<p>* Dob\u00e2nda fix\u0103 ofer\u0103 predictibilitate, dar ratele pot fi ini\u021bial mai mari. <\/p>\n<p>* Dob\u00e2nda variabil\u0103 poate oferi rate ini\u021biale mai mici, dar implic\u0103 riscul cre\u0219terii acestora \u00een timp.<\/p>\n<\/li><li><p><strong>Comisioanele asociate noului credit<\/strong> <\/p>\n<p>Fii atent la: <\/p>\n<p>* Comisioane de analiz\u0103 dosar <\/p>\n<p>* Comisioane de acordare <\/p>\n<p>* Comisioane lunare de administrare<\/p>\n<p>* Comisioane pentru servicii adi\u021bionale (de exemplu, asigur\u0103ri, evaluare imobile etc.)<\/p>\n<\/li><\/ul><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Riscuri_poteniale_ale_refinanrii\">Riscuri poten\u021biale ale refinan\u021b\u0103rii<\/h2>\n\n\n\n<p>P\u00e2n\u0103 acum am prezentat doar partea bun\u0103 cu care ar veni o eventual\u0103 refinan\u021bare credit nevoi personale sau ipotecar. Dar iat\u0103 \u0219i ni\u0219te poten\u021biale neajunsuri de care trebuie s\u0103 \u021bii cont:<\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"check\"><li><p><strong>Prelungirea excesiv\u0103 a perioadei de \u00eendatorare<\/strong>: Refinan\u021barea repetat\u0103 sau extinderea semnificativ\u0103 a termenului poate duce la consturi lunare mai mici, sigur, dar poate face ca datoria s\u0103 ajung\u0103 s\u0103 coste mult mai mult \u00een timp.<\/p>\n<\/li><li><p><strong>Costuri ascunse sau neanticipate<\/strong>: Cite\u0219te cu aten\u021bie contractul. Pot exista costuri care nu sunt evidente la prima vedere, cum ar fi penalit\u0103\u021bi pentru rambursare anticipat\u0103 sau comisioane pentru anumite servicii.<\/p>\n<\/li><li><p><strong>Pierderea unor beneficii asociate creditului vechi<\/strong>: Unele credite vechi pot avea caracteristici avantajoase (de exemplu, rate fixe \u00eentr-o perioad\u0103 de cre\u0219tere a dob\u00e2nzilor) pe care le-ai putea pierde prin refinan\u021bare.<\/p>\n<\/li><li><p><strong>Impactul temporar asupra scorului de credit<\/strong>: Aplicarea pentru un nou credit poate duce la o sc\u0103dere temporar\u0103 a <a href=\"https:\/\/financer.ro\/credit\/articole\/ce-este-scorul-fico\/\" data-type=\"wiki\" data-id=\"2283\">scorului t\u0103u de credit<\/a>, ceea ce ar putea afecta alte aplica\u021bii de credit \u00een viitorul apropiat.<\/p>\n<\/li><li><p><strong>Riscul de supra\u00eendatorare<\/strong>: Dac\u0103 refinan\u021barea include \u0219i ob\u021binerea unei sume suplimentare, exist\u0103 riscul de a te \u00eendatora peste capacitatea ta real\u0103 de rambursare.<\/p>\n<\/li><\/ul><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Tipuri_de_credite_care_pot_fi_refinanate\">Tipuri de credite care pot fi refinan\u021bate<\/h2>\n\n\n\n<p>Refinan\u021barea nu se limiteaz\u0103 doar la un anumit tip de credit. De fapt, majoritatea \u00eemprumuturilor pot fi supuse acestui proces, fiecare cu propriile sale particularit\u0103\u021bi \u0219i beneficii. <\/p>\n\n\n\n<p>S\u0103 explor\u0103m principalele tipuri de credite care pot fi refinan\u021bate \u0219i aspectele specifice fiec\u0103ruia.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Refinanare_credit_nevoi_personale\">Refinan\u021bare credit nevoi personale<\/h3>\n\n\n\n<p>Creditele de nevoi personale sunt printre cele mai comune tipuri de \u00eemprumuturi refinan\u021bate \u00een Rom\u00e2nia, \u0219i pe bun\u0103 dreptate. Iat\u0103 de ce:<\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"check\"><li><p><strong>Rate ini\u021biale mari<\/strong>: Adesea, aceste credite vin cu dob\u00e2nzi relativ ridicate, mai ales dac\u0103 au fost acordate f\u0103r\u0103 garan\u021bii. Refinan\u021barea poate oferi oportunitatea de a ob\u021bine o rat\u0103 mai avantajoas\u0103.<\/p>\n<\/li><li><p><strong>\u00cembun\u0103t\u0103\u021birea situa\u021biei financiare<\/strong>: Dac\u0103 venitul t\u0103u a crescut sau scorul de credit s-a \u00eembun\u0103t\u0103\u021bit de la ob\u021binerea creditului ini\u021bial, ai \u0219anse bune s\u0103 ob\u021bii condi\u021bii mai bune prin refinan\u021bare.<\/p>\n<\/li><li><p><strong>Consolidarea datoriilor: <\/strong>Mul\u021bi rom\u00e2ni aleg s\u0103 refinan\u021beze pentru a combina mai multe credite de nevoi personale \u00eentr-unul singur, simplific\u00e2nd astfel gestionarea datoriilor.<\/p>\n<\/li><\/ul><\/div>\n\n\n<p><strong>Exemplu<\/strong>: S\u0103 zicem c\u0103 ai un \u00eemprumut de 30.000 lei pe 5 ani, cu o dob\u00e2nd\u0103 de 12% pe an. Printr-o refinan\u021bare credit nevoi personale, ai putea ob\u021bine un nou credit cu o dob\u00e2nd\u0103 de 9% pe aceea\u0219i perioad\u0103, reduc\u00e2nd semnificativ costul total al \u00eemprumutului.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Refinanare_credit_ipotecar\">Refinan\u021bare credit ipotecar<\/h3>\n\n\n\n<p>Refinan\u021barea creditelor ipotecare poate aduce economii substan\u021biale pe termen lung, datorit\u0103 sumelor mari implicate \u0219i perioadelor lungi de rambursare. Iat\u0103 c\u00e2teva aspecte de luat \u00een considerare:<\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"check\"><li><p><strong>Poten\u021bial de economii semnificative<\/strong>: Chiar \u0219i o mic\u0103 reducere a ratei dob\u00e2nzii poate \u00eensemna economii de mii de lei pe durata creditului.<\/p>\n<\/li><li><p><strong>Ajustarea perioadei de rambursare<\/strong>: Po\u021bi opta pentru o perioad\u0103 mai scurt\u0103 pentru a pl\u0103ti casa mai repede sau una mai lung\u0103 pentru a reduce presiunea lunar\u0103 asupra bugetului.<\/p>\n<\/li><li><p><strong>Extragerea de equity<\/strong>: \u00cen unele cazuri, po\u021bi refinan\u021ba pentru o sum\u0103 mai mare dec\u00e2t soldul actual al creditului, folosind diferen\u021ba pentru renov\u0103ri sau alte investi\u021bii.<\/p>\n<\/li><li><p><strong>Aplicarea pentru un credit ipotecar cu dob\u00e2nd\u0103 fix\u0103<\/strong>: Cum IRCC-ul este imprevizibil, mul\u021bi prefer\u0103 s\u0103 refinan\u021beze creditele ipotecare \u0219i s\u0103 beneficieze de o perioad\u0103 de 3-5 ani de rate cu dob\u00e2nd\u0103 fix\u0103.<\/p>\n<\/li><\/ul><\/div>\n\n\n<p><strong>Exemplu<\/strong>: Ai un credit ipotecar de 300.000 lei pe 30 de ani cu o dob\u00e2nd\u0103 de 5,5%. Refinan\u021b\u00e2nd la o dob\u00e2nd\u0103 de 4,5% ai putea economisi peste 50.000 lei pe durata total\u0103 a creditului.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Alte_tipuri_de_mprumuturi_eligibile_pentru_refinanare\">Alte tipuri de \u00eemprumuturi eligibile pentru refinan\u021bare<\/h3>\n\n\n\n<p>De\u0219i mai pu\u021bin comune, \u0219i alte tipuri de credite pot fi refinan\u021bate:<\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"check\"><li><p><strong>Credite pentru afaceri mici<\/strong>: Antreprenorii pot beneficia de refinan\u021barea creditelor de afaceri pentru a \u00eembun\u0103t\u0103\u021bi fluxul de numerar sau pentru a investi \u00een dezvoltarea companiei.<\/p>\n<\/li><li><p><strong>Linii de credit revolving<\/strong>: De\u0219i tehnic nu sunt \u201erefinan\u021bate\u201d, po\u021bi transfera soldul unei linii de credit \u00eentr-un \u00eemprumut cu rat\u0103 fix\u0103 pentru a reduce dob\u00e2nda \u0219i a avea un plan clar de rambursare.<\/p>\n<\/li><li><p><strong><a href=\"https:\/\/financer.ro\/credit\/credit-rapid\/credit-ifn-pentru-restantieri\/\" data-type=\"page\" data-id=\"11269\">Credite de la IFN-uri<\/a><\/strong>: Chiar dac\u0103 pot fi \u00eencadrate tot la credite de nevoi personale, ne-am g\u00e2ndit s\u0103 le prezent\u0103m separat din moment ce noi le consider\u0103m candidate perfecte pentru refinan\u021b\u0103ri cu dob\u00e2nzi mai avantajoase.<\/p>\n<\/li><\/ul><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Cnd_este_potrivit_s_refinanezi_un_credit\">C\u00e2nd este potrivit s\u0103 refinan\u021bezi un credit<\/h2>\n\n\n\n<p>Decizia de a refinan\u021ba un credit nu trebuie luat\u0103 la \u00eent\u00e2mplare. Exist\u0103 momente \u0219i situa\u021bii specifice c\u00e2nd refinan\u021barea poate fi deosebit de avantajoas\u0103. <\/p>\n\n\n\n<p>Iat\u0103 c\u00e2nd ar trebui s\u0103 iei \u00een considerare serios aceast\u0103 op\u021biune \u0219i ce factori s\u0103 evaluezi \u00eenainte de a face pasul:<\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"check\"><li><p><strong>C\u00e2nd ratele dob\u00e2nzilor pe pia\u021b\u0103 au sc\u0103zut semnificativ<\/strong> <\/p>\n<p>Aceasta este probabil cea mai comun\u0103 \u0219i evident\u0103 situa\u021bie pentru refinan\u021bare. Dac\u0103 ratele dob\u00e2nzilor au sc\u0103zut cu cel pu\u021bin 1 punct procentual fa\u021b\u0103 de momentul \u00een care ai contractat creditul t\u0103u, merit\u0103 s\u0103 explorezi op\u021biunile de refinan\u021bare. <\/p>\n<p>Exemplu: Ai un credit ipotecar cu o dob\u00e2nd\u0103 de 6% ob\u021binut acum doi ani. Ratele actuale pentru credite similare au sc\u0103zut chiar \u0219i sub 5%, refinan\u021barea ar putea aduce economii substan\u021biale.<\/p>\n<\/li><li><p><strong>Dac\u0103 situa\u021bia ta financiar\u0103 s-a \u00eembun\u0103t\u0103\u021bit<\/strong> <\/p>\n<p>O cre\u0219tere a venitului sau o \u00eembun\u0103t\u0103\u021bire a scorului de credit te pot face eligibil pentru rate mai avantajoase. <\/p>\n<p>Exemplu: C\u00e2nd ai ob\u021binut ini\u021bial creditul, aveai un venit modest \u0219i un scor de credit mediu. Acum, cu o promovare \u0219i c\u00e2\u021biva ani de pl\u0103\u021bi la timp, e\u0219ti \u00eentr-o pozi\u021bie mult mai bun\u0103 pentru a negocia termeni favorabili.<\/p>\n<\/li><li><p><strong>C\u00e2nd dore\u0219ti s\u0103 schimbi de la o rat\u0103 variabil\u0103 la una fix\u0103 (sau invers)<\/strong> <\/p>\n<p>Dac\u0103 ai un credit cu rat\u0103 variabil\u0103 \u0219i te \u00eengrijoreaz\u0103 poten\u021bialele cre\u0219teri ale ratelor, trecerea la o rat\u0103 fix\u0103 prin refinan\u021bare poate oferi mai mult\u0103 predictibilitate. <\/p>\n<p>Exemplu: Ai un credit ipotecar cu rat\u0103 dependent\u0103 de IRCC \u0219i previziunile economice indic\u0103 o posibil\u0103 cre\u0219tere a dob\u00e2nzilor. Refinan\u021barea la o rat\u0103 fix\u0103 te-ar proteja de aceste fluctua\u021bii poten\u021biale.<\/p>\n<\/li><li><p><strong>Pentru a sc\u0103pa de un credit cu termeni nefavorabili<\/strong> <\/p>\n<p>Uneori, din diverse motive, oamenii accept\u0103 credite cu termeni nefavorabili (dob\u00e2nzi mari, comisioane excesive). Refinan\u021barea poate fi o cale de ie\u0219ire din aceste situa\u021bii. <\/p>\n<p>Exemplu: Ai luat un credit rapid \u00een timpul unei urgen\u021be financiare, cu o dob\u00e2nd\u0103 foarte mare. Acum, cu situa\u021bia stabilizat\u0103, po\u021bi c\u0103uta op\u021biuni de refinan\u021bare mai avantajoase.<\/p>\n<\/li><li><p><strong>C\u00e2nd dore\u0219ti s\u0103 consolidezi mai multe datorii<\/strong> <\/p>\n<p>Dac\u0103 ai multiple credite cu rate diferite, consolidarea lor printr-o refinan\u021bare poate simplifica gestionarea datoriilor \u0219i poten\u021bial reduce costul total. <\/p>\n<p>Exemplu: Ai un credit de nevoi personale, un credit auto \u0219i un sold pe cardul de credit. Refinan\u021barea tuturor acestora \u00eentr-un singur credit ar putea reduce rata total\u0103 lunar\u0103 \u0219i ar simplifica pl\u0103\u021bile.<\/p>\n<\/li><\/ul><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Sfaturi_finale_pentru_o_refinanare_de_succes\">Sfaturi finale pentru o refinan\u021bare de succes<\/h2>\n\n\n\n<p>Refinan\u021barea unui credit poate fi o decizie important\u0103 care, dac\u0103 este gestionat\u0103 corect, poate aduce beneficii semnificative pentru situa\u021bia ta financiar\u0103. <\/p>\n\n\n\n<p>Iat\u0103 c\u00e2teva sfaturi finale \u0219i recomand\u0103ri practice pentru a te asigura c\u0103 procesul de refinan\u021bare este unul de succes \u0219i c\u0103 ob\u021bii cele mai bune rezultate posibile.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"F_o_analiz_detaliat_a_situaiei_tale_financiare\">F\u0103 o analiz\u0103 detaliat\u0103 a situa\u021biei tale financiare<\/h3>\n\n\n\n<p>\u00cenainte de a \u00eencepe procesul de refinan\u021bare, ia-\u021bi timpul necesar pentru a evalua \u00een profunzime situa\u021bia ta financiar\u0103 actual\u0103.<\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"check\"><li><p><strong>Verific\u0103-\u021bi scorul de credit<\/strong>: Ob\u021bine un raport de credit actualizat \u0219i identific\u0103 orice probleme poten\u021biale care ar putea afecta eligibilitatea ta pentru refinan\u021bare.<\/p>\n<\/li><li><p><strong>Calculeaz\u0103 raportul datorii\/venituri<\/strong>: Asigur\u0103-te c\u0103 acest raport este \u00een limitele acceptabile pentru a ob\u021bine cele mai bune rate (de preferat sub 30%).<\/p>\n<\/li><li><p><strong>Evalueaz\u0103-\u021bi obiectivele financiare pe termen lung<\/strong>: Asigur\u0103-te c\u0103 refinan\u021barea se aliniaz\u0103 cu planurile tale financiare de viitor.<\/p>\n<\/li><\/ul><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"Compar_oferte_de_la_multiple_instituii_financiare\">Compar\u0103 oferte de la multiple institu\u021bii financiare<\/h3>\n\n\n\n<p>Nu te mul\u021bumi cu prima ofert\u0103 pe care o prime\u0219ti. Exploreaz\u0103 op\u021biuni de la cel pu\u021bin 3-5 creditori diferi\u021bi.<\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"check\"><li><p><a href=\"https:\/\/financer.ro\/results\/\">Folose\u0219te platforme online de comparare a creditelor<\/a>.<\/p>\n<\/li><li><p>Consult\u0103 at\u00e2t b\u0103nci tradi\u021bionale, c\u00e2t \u0219i institu\u021bii financiare nebancare (IFN-uri).<\/p>\n<\/li><li><p>Nu uita s\u0103 iei \u00een considerare \u0219i banca ta actual\u0103, care ar putea oferi condi\u021bii preferen\u021biale clien\u021bilor existen\u021bi.<\/p>\n<\/li><\/ul><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"Negociaz_termenii_i_condiiile_\">Negociaz\u0103 termenii \u0219i condi\u021biile <\/h3>\n\n\n\n<p>Nu ezita s\u0103 negociezi. Multe institu\u021bii financiare sunt dispuse s\u0103 ofere condi\u021bii mai bune pentru a atrage sau p\u0103stra clien\u021bi valoro\u0219i.<\/p>\n\n\n\n<p>Po\u021bi utiliza chiar ofertele pe care le prime\u0219ti drept credite de refinan\u021bare pentru a merge la banca la care deja e\u0219ti client \u0219i pentru a-i determina \u00een a-\u021bi oferi condi\u021bii contractuale mai bune.<\/p>\n\n\n\n<p>Ai fi surprins c\u00e2t de bine func\u021bioneaz\u0103 aceast\u0103 tactic\u0103.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Citete_cu_atenie_toate_documentele\">Cite\u0219te cu aten\u021bie toate documentele<\/h3>\n\n\n\n<p>\u00cenainte de a semna, asigur\u0103-te c\u0103 \u00een\u021belegi complet to\u021bi termenii \u0219i condi\u021biile noului credit.<\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"check\"><li><p>Verific\u0103 rata dob\u00e2nzii, DAE, durata creditului \u0219i suma total\u0103 de rambursat.<\/p>\n<\/li><li><p>Fii atent la orice clauze privind penalit\u0103\u021bile de rambursare anticipat\u0103.<\/p>\n<\/li><li><p>Asigur\u0103-te c\u0103 \u00een\u021belegi toate comisioanele asociate cu noul credit.<\/p>\n<\/li><\/ul><\/div>\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\"  >G\u0103se\u0219te un credit de refinan\u021bare acum<\/a><\/div>\n\n<div class=\"fn_block block_fn_faq_list\"><h3 id=\"ntrebri_despre_refinanare_credit\">\u00centreb\u0103ri despre refinan\u021bare credit<\/h3><h4>Ce este refinan\u021bare credit?<\/h4><div class=\"faq_inner\"><p>Refinan\u021barea unui credit reprezint\u0103 un procedeu prin intermediul c\u0103ruia acces\u0103m un <a href=\"https:\/\/financer.com\/ro\/credit\/\">instrument financiar<\/a> ce ne ajut\u0103 s\u0103 ramburs\u0103m unul sau mai multe \u00eemprumuturi vechi, r\u0103m\u00e2n\u00e2nd doar cu cel nou care, ideal, are condi\u021bii contractuale mai avantajoase.<\/p><\/div><h4>C\u00e2nd s\u0103 refinan\u021bez un \u00eemprumut?<\/h4><div class=\"faq_inner\"><p>Oric\u00e2nd sim\u021bi c\u0103 pl\u0103te\u0219ti prea mult lun\u0103 de lun\u0103, c\u0103 unele dintre condi\u021biile contractuale sunt dezavantajoase sau c\u00e2nd ai nevoie de mai mul\u021bi bani, po\u021bi aplica pentru un credit de refinan\u021bare.<\/p><\/div><h4>Care este efectul refinan\u021b\u0103ri asupra scorului de credit?<\/h4><div class=\"faq_inner\"><p>De cele mai multe ori, refinan\u021b\u0103rile sunt privite cu ochi buni de c\u0103tre Biroul de Credit, \u00eentruc\u00e2t \u00eenseamn\u0103 c\u0103 tu chiar vrei, \u00eentr-adev\u0103r, s\u0103 \u00ee\u021bi achi\u021bi datoriile. Clar este o variant\u0103 mult mai bun\u0103 dec\u00e2t s\u0103 faci restan\u021be sau, mai r\u0103u, s\u0103 nu \u00ee\u021bi mai pl\u0103te\u0219ti datoriile.<\/p><\/div><h4>La ce b\u0103nci po\u021bi aplica pentru o refinan\u021bare?<\/h4><div class=\"faq_inner\"><p>Po\u021bi solicita un credit de refinan\u021bare la orice institu\u021bie financiar\u0103. Indiferent c\u0103 vorbim de cea cu care ai colaborat \u00een trecut sau una cu care nu ai avut nici un contact p\u00e2n\u0103 \u00een prezent.<\/p><\/div><h4>Cum g\u0103sesc cea mai bun\u0103 ofert\u0103 pentru refinan\u021bare?<\/h4><div class=\"faq_inner\"><p>Pentru a fi sigur c\u0103 alegi cea mai bun\u0103 op\u021biune existent\u0103 pe pia\u021b\u0103, te sf\u0103tuim s\u0103 depui o cerere \u00een acest sens c\u0103tre c\u00e2t mai mul\u021bi creditori cu putin\u021b\u0103 \u0219i abia dup\u0103 ce prime\u0219ti ofertele din partea lor, s\u0103 le compari \u00eentre ele.<\/p><\/div><h4>Care este gradul maxim de \u00eendatorare pentru refinan\u021bare credit?<\/h4><div class=\"faq_inner\"><p>Dac\u0103 \u00een cazul creditelor \u0219tim exact care este <a href=\"https:\/\/financer.ro\/finante-personale\/articole\/gradul-de-indatorare\/\">gradul de \u00eendatorare<\/a>, \u00eentruc\u00e2t avem legi clare (maxim 40% pentru toate \u00eemprumuturile, Noua Cas\u0103 este excep\u021bia care permite un grad mai mare, de 45%), aceste reguli nu se aplic\u0103 \u0219i \u00een cazul refinan\u021b\u0103rilor.<\/p>\n<p>Astfel, te po\u021bi \u00eemprumuta chiar \u0219i p\u00e2n\u0103 la 50% din veniturile nete sau poate chiar \u0219i pu\u021bin mai mult dac\u0103 dovede\u0219ti o capacitate ridicat\u0103 de plat\u0103 \u0219i un istoric bun.<\/p><\/div><h4>Ce \u00eenseamn\u0103 refinan\u021bare credit nevoi personale?<\/h4><div class=\"faq_inner\"><p>C\u00e2nd vorbim despre refinan\u021bare credit nevoi personale discut\u0103m despre procesul prin care unul sau mai multe credite de nevoi personale sunt \u00eenlocuite cu un \u00eemprumut nou, care vine cu condi\u021bii mai avanajoase.\u00a0<\/p>\n<p>Refinan\u021barea poate fi efectuat\u0103 fie cu un alt credit de nevoi personale, fie cu un credit ipotecar.<\/p><\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>Refinan\u021bare credit &#8211; ghid complet Te-ai trezit vreodat\u0103 privind factura de credit \u0219i \u00eentreb\u00e2ndu-te dac\u0103 exist\u0103 o modalitate de a\u2026 <\/p>\n","protected":false},"author":77,"featured_media":15861,"parent":810,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"disable_branded_featured_image":false,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","ep_exclude_from_search":false},"categories":[1119],"tags":[],"_links":{"self":[{"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/pages\/11117"}],"collection":[{"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/types\/page"}],"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=11117"}],"version-history":[{"count":38,"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/pages\/11117\/revisions"}],"predecessor-version":[{"id":79931,"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/pages\/11117\/revisions\/79931"}],"up":[{"embeddable":true,"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/pages\/810"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/media\/15861"}],"wp:attachment":[{"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/media?parent=11117"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/categories?post=11117"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/tags?post=11117"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}