{"id":43726,"date":"2024-01-17T18:15:03","date_gmt":"2024-01-17T16:15:03","guid":{"rendered":"https:\/\/financer.ro\/?page_id=43726"},"modified":"2024-05-17T16:11:10","modified_gmt":"2024-05-17T13:11:10","slug":"credit-cu-grad-mare-de-indatorare","status":"publish","type":"page","link":"https:\/\/financer.ro\/credit\/credit-cu-grad-mare-de-indatorare\/","title":{"rendered":"Credit cu grad mare de indatorare"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\" id=\"Credit_de_nevoi_personale_cu_grad_mare_de_ndatorare__gsete_cele_mai_bune_oferte\">Credit de nevoi personale cu grad mare de \u00eendatorare \u2013 g\u0103se\u0219te cele mai bune oferte<\/h2>\n\n\n\n<p>Ai nevoie de un credit de nevoi personale cu grad mare de \u00eendatorare, cu aprobare imediat\u0103 \u0219i virarea banilor direct \u00een contul bancar?<\/p>\n\n\n\n<p>\u00cen sec\u021biunea imediat urm\u0103toare vei putea vedea care dintre creditorii de la noi au \u00een portofoliu \u00eemprumuturi care s\u0103 se plieze pe aceste nevoi ale tale.<\/p>\n\n\n\n<p>Tot ce ai de f\u0103cut este s\u0103 alegi suma de bani necesar\u0103 \u0219i s\u0103 ape\u0219i butonul \u201eCompar\u0103 ofertele\u201d.<\/p>\n\n\n\n<p>\u00cen pagina \u00een care vei fi redirec\u021bionat vei putea compara gratuit ofertele cu care vine fiecare institu\u021bie \u00een parte \u0219i, prin ap\u0103sarea butonului \u201eAplic\u0103 acum\u201d, o vei putea alege pe cea care crezi c\u0103 te-ar avantaja cel mai mult.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box company\"><div class=\"fn_block__icon\"><\/div><p>Dac\u0103 ne-ai \u00eentreba pe noi care credem c\u0103 este cel mai bun credit cu grad mare de \u00eendatorare, \u021bi-am r\u0103spunde c\u0103 produsul oferit de <a href=\"https:\/\/financer.ro\/companie\/ferratum-money\/\">Ferratum Bank<\/a> sare \u00een eviden\u021b\u0103.<\/p>\n<p>Po\u021bi accesa o linie de credit de p\u00e2n\u0103 la 10.000 lei, indiferent de istoricul de creditare pe care \u00eel ai \u0219i, dac\u0103 rambursezi datoria integral \u00een termen de 30 zile, ai dob\u00e2nd\u0103 0 pentru banii \u00eemprumuta\u021bi. Destul de bine, nu?<\/p><\/div>\n\n<div class=\"fn_block block_fn_button  buttons  is-flex is-flex-direction-column is-align-items-flex-start\"><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 cu grad mare de \u00eendatorare acum<\/a><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Ce_este_un_credit_de_nevoie_personale_cu_grad_mare_de_ndatorare\">Ce este un credit de nevoie personale cu grad mare de \u00eendatorare<\/h2>\n\n\n\n<p>A\u0219a cum \u00eei spune \u0219i denumirea, un credit cu grad de \u00eendatorare mare este un produs financiar dedicat persoanelor care deja au \u00een derulare unul sau mai multe contracte de credit, ce fac accesarea de \u00eemprumuturi clasice mai dificil\u0103, dac\u0103 nu chiar imposibil\u0103.<\/p>\n\n\n\n<p>Dup\u0103 cum probabil deja \u0219tii, <a href=\"https:\/\/financer.ro\/blog\/gradul-de-indatorare\/\" data-type=\"post\" data-id=\"43682\">gradul maxim de \u00eendatorare<\/a> permis de c\u0103tre Banca Na\u021bional\u0103 a Rom\u00e2niei este de 40 % pentru creditele de consum, iar acest procent se calculeaz\u0103 dup\u0103 urm\u0103toarea formul\u0103:<\/p>\n\n\n\n<ul>\n<li>Suma ratelor\/suma net\u0103 a veniturilor x 100<\/li>\n<\/ul>\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 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=\"Cum_se_poate_accesa_un_credit_pentru_cei_cu_grad_de_ndatorare_mare\">Cum se poate accesa un credit pentru cei cu grad de \u00eendatorare mare<\/h2>\n\n\n\n<p>\u00cenc\u0103 din start vrem s\u0103 te sf\u0103tuim ca, dac\u0103 cumva te reg\u0103se\u0219ti \u00een situa\u021bia \u00een care ratele lunare reprezint\u0103 un procent semnificativ din venitul net, s\u0103 \u00eencerci, pe c\u00e2t posibil, s\u0103 nu accesezi niciun alt fel de produs financiar nou.<\/p>\n\n\n\n<p>\u00cen caz contrar, f\u0103r\u0103 o bun\u0103 disciplin\u0103 \u00een plata datoriilor, te po\u021bi trezi \u00eentr-o spiral\u0103 a creditelor din care nu mai po\u021bi sc\u0103pa \u0219i, automat, vei ajunge una dintre persoanele catalogate drept r\u0103u-platnice. Un statut deloc m\u0103gulitor.<\/p>\n\n\n\n<p>Ideal ar fi s\u0103 g\u0103se\u0219ti modalit\u0103\u021bi prin care s\u0103 reduci gradul de \u00eendatorare fie prin <a href=\"https:\/\/financer.ro\/wiki\/rambursare-anticipata\/\" data-type=\"wiki\" data-id=\"15181\">rambursarea anticipat\u0103<\/a> a unor crean\u021be active, fie prin practicarea de activit\u0103\u021bi care s\u0103 duc\u0103 la cre\u0219terea veniturilor.<\/p>\n\n\n\n<p>\u00cens\u0103, dac\u0103 lucrurile acestea nu sunt posibile \u0219i ai nevoie urgent\u0103 de bani, sigur, va trebui s\u0103 apelezi la \u00eemprumuturi.<\/p>\n\n\n\n<p>Iar aici ai dou\u0103 variante, dup\u0103 cum urmeaz\u0103:<\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"check\"><li><p><strong>Credit de refinan\u021bare<\/strong><\/p>\n<p>\u00cemprumuturile de refinan\u021bare, conform legii, nu \u021bin cont de gradul de \u00eendatorare a beneficiarului. Astfel, ele pot fi accesate indiferent de c\u00e2t de mare este ponderea datoriilor vs veniturile lunare.<\/p>\n<p>Prin intermediul unui astfel de instrument \u00ee\u021bi vei putea pl\u0103ti \u00een avans datoriile mai vechi \u0219i, chiar mai mult, accesa sume noi pe l\u00e2ng\u0103 cele datorate.<\/p>\n<\/li><li><p><strong>Credit pentru cei cu grad de \u00eendatorare mare<\/strong><\/p>\n<p>At\u00e2ta timp c\u00e2t gradul de \u00eendatorare nu dep\u0103\u0219e\u0219te acel maxim de 40 % admis prin lege, vei putea accesa \u00eemprumuturi oferite de IFN-uri, indiferent dac\u0103 ai pl\u0103tit la timp sau nu ratele creditelor mai vechi.<\/p>\n<p>Marele avantaj al acestor produse este acela c\u0103 multe dintre ele vin cu oferte speciale pentru clien\u021bii noi, care se traduc prin \u00eemprumuturi cu costuri 0 sau foarte mici dac\u0103 sumele accesate sunt achitate la timp.<\/p>\n<\/li><\/ul><\/div>\n\n\n<p>Dac\u0103 \u00eentr-adev\u0103r ai nevoie neap\u0103rat\u0103 de bani \u0219i vrei s\u0103 accesezi un \u00eemprumut, tot ce trebuie s\u0103 faci este s\u0103 compari la partea de sus a paginii produsele oferite de creditorii de la noi \u0219i s\u0103 alegi varianta care \u021bi se pare cea mai potrivit\u0103.<\/p>\n\n\n                                    <h2 class=\"comparison-table__title-main\">Compar\u0103 credite cu grad mare de \u00eendatorare <\/h2>\n                                            <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 \">\n                    <div class=\"comparison-table__scroll \">\n                        <table class=\"comparison-table \" 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=\"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=\"highest-loan-period\" data-sorting-type=\"asc\" \n                    class=\"comparison-table__title\"\n                    title=\"Perioad\u0103 maxim\u0103\">Perioad\u0103 maxim\u0103<\/span><\/th><th> <span data-sorting=\"lowest-annual-interest-rate\" data-sorting-type=\"asc\" \n                    class=\"comparison-table__title\"\n                    title=\"DAE minim\">DAE minim<\/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> <span data-sorting=\"minimum-age\" data-sorting-type=\"asc\" \n                    class=\"comparison-table__title\"\n                    title=\"V\u00e2rst\u0103 minim\u0103\">V\u00e2rst\u0103 minim\u0103<\/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=\"8\"><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=\"highest-loan-amount\" data-sorting-value=\"19000.00\">19.000 Lei<\/td><td data-sorting=\"highest-loan-period\" data-sorting-value=\"540\">1 An . 6 Luni<\/td><td data-sorting=\"lowest-annual-interest-rate\" data-sorting-value=\"0.00\">0,00% <\/td><td data-sorting=\"minimum-income\" data-sorting-value=\"700\">700<\/td><td data-sorting=\"minimum-age\" data-sorting-value=\"21\">21<\/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=\"8\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"Hora Credit\"\n                data-product-id=\"1061\">\n                <span class=\"search-card__featured\">recomandat<\/span>\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=\"highest-loan-amount\" data-sorting-value=\"10000.00\">10.000 Lei<\/td><td data-sorting=\"highest-loan-period\" data-sorting-value=\"360\">1 An<\/td><td data-sorting=\"lowest-annual-interest-rate\" data-sorting-value=\"0.00\">0,00% <\/td><td data-sorting=\"minimum-income\" data-sorting-value=\"500\">500<\/td><td data-sorting=\"minimum-age\" data-sorting-value=\"19\">19<\/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=\"8\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"CreditPrime\"\n                data-product-id=\"1035\">\n                <span class=\"search-card__featured\">recomandat<\/span>\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=\"highest-loan-amount\" data-sorting-value=\"10000.00\">10.000 Lei<\/td><td data-sorting=\"highest-loan-period\" data-sorting-value=\"30\">1 Lun\u0103<\/td><td data-sorting=\"lowest-annual-interest-rate\" data-sorting-value=\"0.00\">0,00% <\/td><td data-sorting=\"minimum-income\" data-sorting-value=\"500\">500<\/td><td data-sorting=\"minimum-age\" data-sorting-value=\"22\">22<\/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=\"8\"><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=\"highest-loan-amount\" data-sorting-value=\"20000.00\">20.000 Lei<\/td><td data-sorting=\"highest-loan-period\" data-sorting-value=\"360\">1 An<\/td><td data-sorting=\"lowest-annual-interest-rate\" data-sorting-value=\"0.00\">0,00% <\/td><td data-sorting=\"minimum-income\" data-sorting-value=\"700\">700<\/td><td data-sorting=\"minimum-age\" data-sorting-value=\"20\">20<\/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><tr class=\"comparison-table__row\"  data-columns=\"8\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"Ocean Credit\"\n                data-product-id=\"2013\">\n                <span class=\"search-card__featured\">recomandat<\/span>\n                <a target=\"_blank\"  data-url_param_unq=\"\"  data-url_param_pid=\"2013\"  rel=\"sponsored nofollow\"  href=\"https:\/\/financer.ro\/companie\/ocean-credit\/redirect\/\">\n                    <img decoding=\"async\" title=\"Ocean Credit\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/14\/2018\/09\/logo-imprumutaaltfel-dark-2.png\" alt=\"Ocean Credit\">\n                <\/a><\/td><td data-sorting=\"rating\" data-sorting-value=\"4.33333333\">\n            <a href=\"https:\/\/financer.ro\/companie\/ocean-credit\/#read-reviews\"><span class=\"simple-rating-value rating_light-green\" data-rating-value=\"4.3\">4.3<\/span><\/a><\/td><td data-sorting=\"highest-loan-amount\" data-sorting-value=\"9000.00\">9.000 Lei<\/td><td data-sorting=\"highest-loan-period\" data-sorting-value=\"360\">1 An<\/td><td data-sorting=\"lowest-annual-interest-rate\" data-sorting-value=\"36.00\">36,00% <\/td><td data-sorting=\"minimum-income\" data-sorting-value=\" - \"> &#8211; <\/td><td data-sorting=\"minimum-age\" data-sorting-value=\"18\">18<\/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\/ocean-credit\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"2013\" \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--mobile  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=\"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=\"highest-loan-period\" data-sorting-type=\"asc\" \n                    class=\"comparison-table__title\"\n                    title=\"Perioad\u0103 maxim\u0103\">Perioad\u0103 maxim\u0103<\/span><\/th><th> <span data-sorting=\"lowest-annual-interest-rate\" data-sorting-type=\"asc\" \n                    class=\"comparison-table__title\"\n                    title=\"DAE minim\">DAE minim<\/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> <span data-sorting=\"minimum-age\" data-sorting-type=\"asc\" \n                    class=\"comparison-table__title\"\n                    title=\"V\u00e2rst\u0103 minim\u0103\">V\u00e2rst\u0103 minim\u0103<\/span><\/th>                                <th>Aplic\u0103 acum                                <\/th>\n                            <\/tr>\n                        <\/thead>\n                        <tbody>\n                            <tr class=\"comparison-table__row\"  data-columns=\"8\"><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=\"highest-loan-amount\" data-sorting-value=\"19000.00\">19.000 Lei<\/td><td data-sorting=\"highest-loan-period\" data-sorting-value=\"540\">1 An . 6 Luni<\/td><td data-sorting=\"lowest-annual-interest-rate\" data-sorting-value=\"0.00\">0,00% <\/td><td data-sorting=\"minimum-income\" data-sorting-value=\"700\">700<\/td><td data-sorting=\"minimum-age\" data-sorting-value=\"21\">21<\/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=\"8\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"Hora Credit\"\n                data-product-id=\"1061\">\n                <span class=\"search-card__featured\">recomandat<\/span>\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=\"highest-loan-amount\" data-sorting-value=\"10000.00\">10.000 Lei<\/td><td data-sorting=\"highest-loan-period\" data-sorting-value=\"360\">1 An<\/td><td data-sorting=\"lowest-annual-interest-rate\" data-sorting-value=\"0.00\">0,00% <\/td><td data-sorting=\"minimum-income\" data-sorting-value=\"500\">500<\/td><td data-sorting=\"minimum-age\" data-sorting-value=\"19\">19<\/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=\"8\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"CreditPrime\"\n                data-product-id=\"1035\">\n                <span class=\"search-card__featured\">recomandat<\/span>\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=\"highest-loan-amount\" data-sorting-value=\"10000.00\">10.000 Lei<\/td><td data-sorting=\"highest-loan-period\" data-sorting-value=\"30\">1 Lun\u0103<\/td><td data-sorting=\"lowest-annual-interest-rate\" data-sorting-value=\"0.00\">0,00% <\/td><td data-sorting=\"minimum-income\" data-sorting-value=\"500\">500<\/td><td data-sorting=\"minimum-age\" data-sorting-value=\"22\">22<\/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=\"8\"><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=\"highest-loan-amount\" data-sorting-value=\"20000.00\">20.000 Lei<\/td><td data-sorting=\"highest-loan-period\" data-sorting-value=\"360\">1 An<\/td><td data-sorting=\"lowest-annual-interest-rate\" data-sorting-value=\"0.00\">0,00% <\/td><td data-sorting=\"minimum-income\" data-sorting-value=\"700\">700<\/td><td data-sorting=\"minimum-age\" data-sorting-value=\"20\">20<\/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><tr class=\"comparison-table__row\"  data-columns=\"8\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"Ocean Credit\"\n                data-product-id=\"2013\">\n                <span class=\"search-card__featured\">recomandat<\/span>\n                <a target=\"_blank\"  data-url_param_unq=\"\"  data-url_param_pid=\"2013\"  rel=\"sponsored nofollow\"  href=\"https:\/\/financer.ro\/companie\/ocean-credit\/redirect\/\">\n                    <img decoding=\"async\" title=\"Ocean Credit\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/14\/2018\/09\/logo-imprumutaaltfel-dark-2.png\" alt=\"Ocean Credit\">\n                <\/a><\/td><td data-sorting=\"rating\" data-sorting-value=\"4.33333333\">\n            <a href=\"https:\/\/financer.ro\/companie\/ocean-credit\/#read-reviews\"><span class=\"simple-rating-value rating_light-green\" data-rating-value=\"4.3\">4.3<\/span><\/a><\/td><td data-sorting=\"highest-loan-amount\" data-sorting-value=\"9000.00\">9.000 Lei<\/td><td data-sorting=\"highest-loan-period\" data-sorting-value=\"360\">1 An<\/td><td data-sorting=\"lowest-annual-interest-rate\" data-sorting-value=\"36.00\">36,00% <\/td><td data-sorting=\"minimum-income\" data-sorting-value=\" - \"> &#8211; <\/td><td data-sorting=\"minimum-age\" data-sorting-value=\"18\">18<\/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\/ocean-credit\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"2013\" \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        \n\n<div class=\"fn_block block_fn_faq_list\"><h3 id=\"ntrebri_despre_credite_cu_grad_de_ndatorare_mare\">\u00centreb\u0103ri despre credite cu grad de \u00eendatorare mare<\/h3><h4>Cine poate accesa credite cu grad de \u00eendatorare mare?<\/h4><div class=\"faq_inner\"><p>\u00cemprumuturile pe care le prezent\u0103m pe aceast\u0103 pagin\u0103 sunt dedicate tuturor persoanelor care au nevoie urgent\u0103 de bani.<\/p>\n<p>\u00cens\u0103 ele sunt, cu prec\u0103dere, dedicate celor care au un raport cheltuieli vs venituri ridicat \u0219i care sunt considera\u021bi drept necreditabili de c\u0103tre institu\u021biile financiare clasice, de tipul b\u0103ncilor.<\/p><\/div><h4>Po\u021bi accesa un credit f\u0103r\u0103 grad de \u00eendatorare?<\/h4><div class=\"faq_inner\"><p>Ei bine, nu, nu exist\u0103 credit care s\u0103 vin\u0103 f\u0103r\u0103 grad de \u00eendatorare.<\/p>\n<p>Orice produs financiar ai \u00eencerca s\u0103 accesezi, el va impacta, mai mult sau mai pu\u021bin, bugetul t\u0103u lunar, ceea ce se traduce prin cre\u0219terea raportului cheltuieli vs venituri \u0219i, automat, a gradului de \u00eendatorare.<\/p><\/div><h4>Po\u021bi accesa un credit dac\u0103 ai gradul de \u00eendatorare de peste 40 %?<\/h4><div class=\"faq_inner\"><p>Creditul de refinan\u021bare este singurul \u00eemprumut pe care \u00eel vei putea accesa \u00een cazul \u00een care ai gradul de \u00eendatorare de 40 % sau mai mare de acest nivel.<\/p>\n<p>Creditele ipotecare \u0219i\/sau de consum nu pot trece de aceast\u0103 limit\u0103 conform <a href=\"https:\/\/www.bnr.ro\/page.aspx?prid=15376\">legilor BNR<\/a>. \u00cen schimb, cele de refinan\u021bare nu \u021bin cont de gradul de \u00eendatorare, scopul lor fiind de a ajuta persoanele aflate \u00een imposibilitate de plat\u0103 a crean\u021belor mai vechi.<\/p><\/div><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Aplic_responsabil_pentru_un_credit_nevoi_personale_cu_grad_mare_de_ndatorare\">Aplic\u0103 responsabil pentru un credit nevoi personale cu grad mare de \u00eendatorare<\/h2>\n\n\n\n<p>Dac\u0103 \u0219i tu te g\u0103se\u0219ti \u00een situa\u021bia \u00een care ai nevoie s\u0103 aplici pentru un \u00eemprumut, dar ai deja rate care se apropie de jum\u0103tatea veniturilor lunare, un credit cu grad de \u00eendatorare mare poate fi solu\u021bia de a ie\u0219i din impasul financiar \u00een care te reg\u0103se\u0219ti.<\/p>\n\n\n\n<p>\u00cens\u0103 sfatul nostru este s\u0103 aplici responsabil pentru aceste produse. Nu le accesa dac\u0103 \u0219tii din start c\u0103 nu ai cum s\u0103 le achi\u021bi \u0219i fii atent ca nu cumva, din cauza lor, s\u0103 intri \u00een imposibilitate de plat\u0103 a celorlalte crean\u021be pe care le ai active.<\/p>\n\n\n\n<p>Dac\u0103 ar fi s\u0103 ne \u00eentrebi pe noi care credem c\u0103 sunt cele mai bune credite de nevoi personale pentru persoane cu grad mare de \u00eendatorare pe care le po\u021bi alege, \u021bi-am recomanda produsele celor de la Ferratum.<\/p>\n\n\n\n<p>Motivul pentru care am ales aceast\u0103 companie este acela c\u0103 cei care apeleaz\u0103 pentru prima dat\u0103 la serviciile lor beneficiaz\u0103 de \u00eemprumuturi cu dob\u00e2nd\u0103 0, extrem de avantajoase.<\/p>\n\n\n<div class=\"fn_block block_fn_items fields_containeris-hidden\"><div class=\"items-content__cards\"><div class=\"items-content__card \" data-header=\"1\"><div class=\"items-content__card-top\"><div class=\"items-content__card-left\"><a href=\"https:\/\/financer.ro\/companie\/ferratum-money\/\" class=\"items-content__card-logo \" ><img decoding=\"async\" width=\"200\" height=\"52\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/14\/2018\/07\/ferratum.png\" class=\"attachment-full size-full\" alt=\"ferratum\" \/><\/a><span class=\"items-content__card-chosen\">Ales <strong>13.191<\/strong> ori<\/span><ul class=\"items-content__card-list\"><li >Credite de nevoi personale de p\u00e2n\u0103 la 19.000 lei<\/li><li >Perioade de rambursare maxime de 18 luni<\/li><li >Dob\u00e2nd\u0103 zilnic\u0103 de 0.4022 %<\/li><li >Costuri de analiz\u0103 dosar, administrare cont 0<\/li><\/ul><\/div><div class=\"items-content__card-datapoint-container\"><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">\u00cemprumut minim<\/span><span class=\"items-content__card-datapoint-value\">1500<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Valoare maxim\u0103<\/span><span class=\"items-content__card-datapoint-value\">19000<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">DAE minim<\/span><span class=\"items-content__card-datapoint-value\">120.00<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">DAE maxim<\/span><span class=\"items-content__card-datapoint-value\">144.00<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Perioad\u0103 minim\u0103<\/span><span class=\"items-content__card-datapoint-value\">6 Luni<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Perioad\u0103 maxim\u0103<\/span><span class=\"items-content__card-datapoint-value\">1 An . 6 Luni<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Accept\u0103 istoric negativ<\/span><span class=\"items-content__card-datapoint-value\">Da. <\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">V\u00e2rst\u0103 minim\u0103<\/span><span class=\"items-content__card-datapoint-value\">21<\/span><\/div><\/div><div class=\"items-content__card-right\"><a href=\"https:\/\/financer.ro\/companie\/ferratum-money\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"1114\" data-url_param_t=\"company_single\" class=\"button is-primary is-rounded is-arrow items-content__card-see-offer items-content__card-see-offer--\" target=\"_blank\" rel=\"sponsored nofollow\">Vezi oferta<\/a><a href=\"https:\/\/financer.ro\/companie\/ferratum-money\/\"  class=\"button is-rounded items-content__card-more-info\">Detalii aici<\/a><a href=\"https:\/\/financer.ro\/companie\/ferratum-money\/#read-reviews\" class=\"simple-rating\"><div class=\"simple-rating__stars simple-rating__stars--right\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_half_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_outline_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><\/div><span class=\"simple-rating-value rating_light-green\" data-rating-value=\"3.7\">3.7<\/span><\/a><span class=\"items-content__card-reviews\">Cite\u0219te&nbsp;<a href=\"https:\/\/financer.ro\/companie\/ferratum-money\/#read-reviews\">28<\/strong>&nbsp;recenzii<\/a><\/div><\/div><\/div><\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>Credit de nevoi personale cu grad mare de \u00eendatorare \u2013 g\u0103se\u0219te cele mai bune oferte Ai nevoie de un credit\u2026 <\/p>\n","protected":false},"author":77,"featured_media":0,"parent":753,"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\/43726"}],"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=43726"}],"version-history":[{"count":23,"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/pages\/43726\/revisions"}],"predecessor-version":[{"id":77812,"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/pages\/43726\/revisions\/77812"}],"up":[{"embeddable":true,"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/pages\/753"}],"wp:attachment":[{"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/media?parent=43726"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/categories?post=43726"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/tags?post=43726"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}