{"id":810,"date":"2018-06-13T14:28:47","date_gmt":"2018-06-13T14:28:47","guid":{"rendered":"https:\/\/financer.ro\/?page_id=810"},"modified":"2024-07-01T15:12:35","modified_gmt":"2024-07-01T12:12:35","slug":"credit-nevoi-personale","status":"publish","type":"page","link":"https:\/\/financer.ro\/credit\/credit-nevoi-personale\/","title":{"rendered":"Credit nevoi personale"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\" id=\"Credit_nevoi_personale\">Credit nevoi personale<\/h2>\n\n\n\n<p>Un credit de nevoi personale, a\u0219a cum \u00eei spune \u0219i denumirea, este un \u00eemprumut caracterizat prin faptul c\u0103 fondurile ob\u021binute pot fi utilizate dup\u0103 bunul plac al aplicantului. <\/p>\n\n\n\n<p>Cu alte cuvinte, nu \u021bi se impun reguli privind modul cum po\u021bi cheltui banii, tu fiind cel care decide unde \u0219i \u00een ce fel vei distribui banii ob\u021binu\u021bi.<\/p>\n\n\n\n<p>Aceste tipuri de \u00eemprumuturi sunt foarte simplu de accesat \u00een \u021bara noastr\u0103, iar Financer.ro te va ajuta gratuit s\u0103 g\u0103se\u0219ti <strong>cel mai bun credit nevoi personale din Rom\u00e2nia<\/strong>.<\/p>\n\n\n\n<p>Cu ajutorul <a href=\"#top\">calculatorului nostru<\/a> po\u021bi compara produsele financiare oferite de unii dintre cei mai mari creditori de la noi rapid \u0219i u\u0219or.<\/p>\n\n\n\n<p>Mai mult, echipa Financer a petrecut mai bine de 8 ore realiz\u00e2nd dou\u0103 tabele zicem noi complete, \u00een care am reunit toate institu\u021biile financiare ce au \u00een grila de oferte credite de nevoi personale f\u0103r\u0103 garan\u021bii ipotecare, <a href=\"#Ce_companii_din_Romnia_ofer_credite_de_nevoi_personale\">pe care le po\u021bi g\u0103si aici<\/a>.<\/p>\n\n\n\n<p>Dac\u0103 ar fi s\u0103 ne \u00eentrebi pe noi care este cel mai avantajos credit de nevoi personale din Rom\u00e2nia la ora actual\u0103, \u021bi-am spune c\u0103 produsul oferit de c\u0103tre CreditPrime este unul excelent, ce vine cu urm\u0103toarele caracteristici:<\/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\/creditprime\/\" class=\"items-content__card-logo \" ><img decoding=\"async\" width=\"180\" height=\"31\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/14\/2018\/06\/prime.png\" class=\"attachment-full size-full\" alt=\"credit prime\" \/><\/a><span class=\"items-content__card-chosen\">Ales <strong>19.994<\/strong> ori<\/span><ul class=\"items-content__card-list\"><li >Credit rapid de p\u00e2n\u0103 la 15.000 lei cu dob\u00e2nd\u0103 0 pentru clien\u021bii noi<\/li><li >Dob\u00e2nzi zilnice cuprinse \u00eentre 0.5 \u0219i 0.99 % pentru clien\u021bii existen\u021bi<\/li><li >Plata instant a banilor indiferent de zile libere sau s\u0103rb\u0103tori legale<\/li><li >Linie de credit ce se poate prelungi p\u00e2n\u0103 la 24 luni<\/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\">200<\/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\">15000<\/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\">0.00<\/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\">0.00<\/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\">10 Zile<\/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 Lun\u0103<\/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\">22<\/span><\/div><\/div><div class=\"items-content__card-right\"><a href=\"https:\/\/financer.ro\/companie\/creditprime\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"1035\" 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\/creditprime\/\"  class=\"button is-rounded items-content__card-more-info\">Detalii aici<\/a><a href=\"https:\/\/financer.ro\/companie\/creditprime\/#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\/creditprime\/#read-reviews\">32<\/strong>&nbsp;recenzii<\/a><\/div><\/div><\/div><\/div><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Cum_s_alegi_creditul_de_nevoi_personale_ideal\">Cum s\u0103 alegi creditul de nevoi personale ideal<\/h2>\n\n\n\n<p>Alegerea unui credit de nevoi personale perfect adaptat condi\u021biilor tale nu este un lucru foarte u\u0219or, deoarece:<\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"check\"><li><p><strong>Dac\u0103 \u00eemprumu\u021bi mai mult dec\u00e2t ai nevoie<\/strong><\/p>\n<p>Vei ajunge ca la final de contract s\u0103 pl\u0103te\u0219ti dob\u00e2nd\u0103 pentru ni\u0219te sume care nu erau necesare, rezult\u00e2nd \u00een costuri totale mai mari. <\/p>\n<p>Unde mai pui c\u0103 un credit mai mare vine automat cu rate mai mari \u0219i se poate ca, la un moment dat, s\u0103 nu mai fi \u00een stare s\u0103 \u00ee\u021bi achi\u021bi datoriile, ceea ce duce la cu totul alte probleme.<\/p>\n<\/li><li><p><strong>Dac\u0103 \u00eemprumu\u021bi mai pu\u021bin dec\u00e2t ai nevoie <\/strong><\/p>\n<p>Costurile totale finale vor fi mai mici, \u00eens\u0103 se poate ca banii ob\u021binu\u021bi \u00een urma respectivului produs financiar s\u0103 nu \u00ee\u021bi fie suficien\u021bi \u0219i s\u0103 trebuiasc\u0103 s\u0103 apelezi la un alt credit pentru a suplimenta sumele lips\u0103.<\/p>\n<\/li><\/ul><\/div>\n\n\n<p>Iat\u0103 de ce consider\u0103m c\u0103 \u00eenainte de a accesa un credit de nevoi personale este esen\u021bial s\u0103 treci prin urm\u0103torii pa\u0219i, pentru a fi sigur c\u0103 alegerea pe care o faci este cea corect\u0103:<\/p>\n\n\n<div class=\"wp-block-image shortcode-no\">\n<figure class=\"aligncenter size-large\"><img decoding=\"async\" width=\"618\" height=\"1024\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/14\/2021\/01\/credit-nevoi-personale-1-618x1024.jpg\" alt=\"credit de nevoi personale\" class=\"wp-image-15111\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/14\/2021\/01\/credit-nevoi-personale-1-618x1024.jpg 618w, https:\/\/financer.global\/app\/uploads\/sites\/14\/2021\/01\/credit-nevoi-personale-1-181x300.jpg 181w, https:\/\/financer.global\/app\/uploads\/sites\/14\/2021\/01\/credit-nevoi-personale-1-768x1273.jpg 768w, https:\/\/financer.global\/app\/uploads\/sites\/14\/2021\/01\/credit-nevoi-personale-1.jpg 800w\" sizes=\"(max-width: 618px) 100vw, 618px\" \/><\/figure><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"i1_Stabilete_i_situaia_financiar\">1. Stabile\u0219te-\u021bi situa\u021bia financiar\u0103<\/h3>\n\n\n\n<p>\u00cenainte de a te apuca s\u0103 compari credite nevoi personale, ar trebui s\u0103 \u0219tii exact ce vrei s\u0103 ob\u021bii de la un produs financiar.<\/p>\n\n\n\n<p>\u00cen acest sens, te-ar ajuta dac\u0103 \u021bi-ai r\u0103spunde la urm\u0103toarele dou\u0103 \u00eentreb\u0103ri:<\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ol class=\"check\"><li><p>C\u00e2\u021bi bani vreau s\u0103 \u00eemprumut?<\/p>\n<\/li><li><p>Care este suma pe care o pot pl\u0103ti ca rat\u0103 \u00een fiecare lun\u0103, f\u0103r\u0103 a-mi afecta prea puternic bugetul personal?<\/p>\n<\/li><\/ol><\/div>\n\n\n<p>Aminte\u0219te-\u021bi mereu urm\u0103toarea regul\u0103: cu c\u00e2t creditul este mai mare, cu at\u00e2t \u0219i costurile lunare \u0219i, evident, finale vor fi mai mari. <\/p>\n\n\n\n<p>A\u0219adar, opteaz\u0103 doar pentru un \u00eemprumut care s\u0103 vin\u0103 cu ni\u0219te rate pe care s\u0103 \u021bi le po\u021bi permite.<\/p>\n\n\n\n<p>Din acest punct de vedere <strong>te poate ajuta al nostru calculator credit nevoi personale<\/strong> <strong>de la partea de sus a articolului de fa\u021b\u0103<\/strong>, care \u00ee\u021bi va prezenta exact ce sume lunare vei avea de achitat pentru un eventual \u00eemprumut.<\/p>\n\n\n<div class=\"fn_block block_fn_button  buttons  is-flex is-flex-direction-column is-align-items-center\"><a href=\"#top\" class=\"button  is-rounded is-primary is-medium\" target=\"_self\"  rel=\"nofollow\">Alege suma de care ai nevoie \u0219i compar\u0103 creditele personale<\/a><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"i2_Analizeaz_atent_DAE\">2. Analizeaz\u0103 atent DAE<\/h3>\n\n\n\n<p><a href=\"https:\/\/financer.ro\/wiki\/ce-este-dae\/\" data-type=\"wiki\" data-id=\"1880\">DAE sau dob\u00e2nda anual\u0103 efectiv\u0103<\/a> este un indice prin intermediul c\u0103ruia se exprim\u0103 costul total al unui instrument financiar, sub form\u0103 de procent.<\/p>\n\n\n\n<p>Prin lege, to\u021bi creditorii sunt obliga\u021bi s\u0103 ofere valoarea DAE pentru fiecare produs financiar pe care \u00eel au \u00een portofoliu.<\/p>\n\n\n\n<p>Astfel, prin intermediul acestui indice, vei putea face o compara\u021bie transparent\u0103 \u0219i direct\u0103 a \u00eemprumuturilor oferite de diverse institu\u021bii.<\/p>\n\n\n\n<p>\u00cen ceea ce prive\u0219te costurile incluse \u00een DAE, acestea sunt:<\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"check\"><li><p>Rata dob\u00e2nzii<\/p>\n<\/li><li><p>Costurile ini\u021biale ce trebuie pl\u0103tite la primirea \u00eemprumutului: tax\u0103 de analiz\u0103 dosar, comision de acordare etc.<\/p>\n<\/li><li><p>Cost pentru interogarea Biroului de Credit<\/p>\n<\/li><li><p>Comision de procesare<\/p>\n<\/li><li><p>Toate taxele lunare sau anuale: comision de administrare, comision lunar aplicat la sold etc.<\/p>\n<\/li><li><p>Prime de asigur\u0103ri de via\u021b\u0103 sau de imobil, \u00eens\u0103 dac\u0103 valorile nu pot fi estimate de c\u0103tre creditor, atunci legea \u00eei permite excluderea lor din DAE<\/p>\n<\/li><\/ul><\/div>\n\n\n<p>A\u0219adar, chiar dac\u0103 un credit este prezentat c\u0103 vine cu o rat\u0103 a dob\u00e2nzii mic\u0103, de s\u0103 zicem 7 % pe an, se poate ca dup\u0103 aplicarea tuturor celorlalte costuri \u0219i comisioane s\u0103 rezulte un DAE mare.<\/p>\n\n\n\n<p>De aceea, la acest pas, te sf\u0103tuim s\u0103 fii foarte atent \u0219i s\u0103 alegi doar acei creditori a c\u0103ror dob\u00e2nd\u0103 anual\u0103 efectiv\u0103 este mai mic\u0103. Desigur, asta <strong>dac\u0103 vrei s\u0103 accesezi cel mai avantajos credit nevoie personale de pe pia\u021b\u0103.<\/strong><\/p>\n\n\n<div class=\"fn_block block_fn_msg_box info\"><div class=\"fn_block__icon\"><\/div><h3 id=\"Existu0103_u0219i_costuri_care_nu_sunt_incluse_u00een_DAE\">Exist\u0103 \u0219i costuri care nu sunt incluse \u00een DAE?<\/h3><p>Ei bine, da. Legal, se poate ca anumite costuri s\u0103 nu fie incluse \u00een DAE. Dintre ele, pe l\u00e2ng\u0103 asigur\u0103rile despre care am discutat pu\u021bin mai sus, mai putem aminti:<\/p>\n<div class=\"is-style-default\">\n<ul>\n<li>Comisioanele datorate \u00een caz de rambursare anticipat\u0103<\/li>\n<li>Comisioanele penalizatoare, \u00een caz de dep\u0103\u0219ire a anumitor termene de plat\u0103<\/li>\n<li>Costuri cu servicii adi\u021bionale, cum ar fi evaluarea imobilului sau a autovehiculului, costuri notariale etc.<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"i3_Crete_i_ratingul_de_credit\">3. Cre\u0219te-\u021bi ratingul de credit<\/h3>\n\n\n\n<p>De ceva timp, mai toate institu\u021biile financiare de la noi din \u021bar\u0103 se folosesc de ratingul de credit al fiec\u0103rui individ \u00eenainte de acordarea unui \u00eemprumut.<\/p>\n\n\n\n<p>Astfel, atunci c\u00e2nd aplici pentru un credit, <strong>\u021bi se va face o analiz\u0103 a bonit\u0103\u021bii<\/strong>. <\/p>\n\n\n\n<p>Cu alte cuvinte, \u021bi se verific\u0103 salariul, datoriile active, <a href=\"https:\/\/financer.ro\/wiki\/ce-este-scorul-fico\/\" data-type=\"wiki\" data-id=\"2283\">scorul FICO<\/a>, precum \u0219i istoricul din <a href=\"https:\/\/financer.ro\/blog\/ce-este-biroul-de-credit\/\" data-type=\"post\" data-id=\"1898\">Biroul de Credit<\/a>, pentru a se stabili dac\u0103 po\u021bi rambursa la timp ratele viitorului \u00eemprumut.<\/p>\n\n\n\n<p>Cu c\u00e2t prime\u0219ti rezultate mai bune \u00een urma acestei evalu\u0103ri, cu at\u00e2t vei avea acces la sume mai mari, dar vei \u0219i putea negocia termenii contractuali \u00een favoarea ta.<\/p>\n\n\n\n<p><em>Dac\u0103 vrei s\u0103 \u00ee\u021bi cre\u0219ti bonitatea, iat\u0103 ce po\u021bi s\u0103 faci:<\/em><\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"check\"><li><p><strong>G\u0103se\u0219te o persoan\u0103 care s\u0103 fie co-platnic al creditului pentru are aplici<\/strong><\/p>\n<p>Un co-platnic este o persoan\u0103 care se angajeaz\u0103 s\u0103 achite ratele lunare \u00een cazul \u00een care tu nu mai po\u021bi rambursa \u00eemprumutul.<\/p>\n<\/li><li><p><strong>Pl\u0103te\u0219te-\u021bi la timp ratele creditelor aflate \u00een derulare<\/strong><\/p>\n<p>Indiferent c\u0103 vorbim despre un credit nevoi personale 10 ani sau unul rapid, trebuie s\u0103 ai grij\u0103 s\u0103 \u00ee\u021bi achi\u021bi toate datoriile la timp. Altfel ri\u0219ti s\u0103 \u00ee\u021bi fie afectat scorul FICO sau s\u0103 ajungi \u00een Biroul de Credit.<\/p>\n<\/li><li><p><strong>\u00cencearc\u0103 s\u0103 ob\u021bii venituri suplimentare<\/strong><\/p>\n<p>Cu c\u00e2t venitul lunar este mai mare, cu at\u00e2t \u00eemprumutul de nevoi personale pe care \u00eel vei putea accesa va fi mai mare.<\/p>\n<\/li><\/ul><\/div>\n\n<div class=\"fn_block block_fn_msg_box boxed\"><div class=\"fn_block__icon\"><\/div><h3 id=\"Trucuri_pentru_a_u021bi_creu0219te_scorul_FICO\">Trucuri pentru a-\u021bi cre\u0219te scorul FICO<\/h3><p>Persoanele care nu au avut \u00een trecut un \u00eemprumut \u00een derulare au un scor FICO mediu. Nici r\u0103u, dar nici grozav.<\/p>\n<p>Asta \u00eenseamn\u0103 c\u0103 nu se vor putea bucura chiar de cele mai bune condi\u021bii atunci c\u00e2nd vor dori s\u0103 aplice pentru un produs financiar, indiferent c\u0103 vorbim despre credite nebancare pe 5 ani sau de unele ipotecare.<\/p>\n<p>Din fericire, avem dou\u0103 trucuri pe care le po\u021bi folosi \u00een avantajul t\u0103u, cu scopul de a-\u021bi cre\u0219te acest scor. Iat\u0103 ce trebuie s\u0103 faci:<\/p>\n<p><em>Trucul 1 \u2013 folose\u0219te-te de creditele f\u0103r\u0103 dob\u00e2nd\u0103<\/em><\/p>\n<div class=\"is-style-default\">\n<ul>\n<li>Ia un credit f\u0103r\u0103 dob\u00e2nd\u0103 de <a href=\"https:\/\/financer.ro\/credit\/credit-fara-dobanda\/\">aici<\/a>, pentru care nu va trebui s\u0103 pl\u0103te\u0219ti nici un leu \u00een plus la rambursare, pe l\u00e2ng\u0103 suma \u00eemprumutat\u0103<\/li>\n<li>Dup\u0103 5 sau 10 zile, ramburseaz\u0103 integral creditul<\/li>\n<\/ul>\n<\/div>\n<p><em>Trucul 2 \u2013 folose\u0219te-te de cardurile de cump\u0103r\u0103turi<\/em><\/p>\n<div class=\"is-style-default\">\n<ul>\n<li>Deschide-\u021bi un card de cump\u0103r\u0103turi de <a href=\"https:\/\/financer.ro\/companie\/axi-card\/\">aici<\/a><\/li>\n<li>Achizi\u021bioneaz\u0103 ceva \u00een valoare de 1500 \u2013 2000 lei, iar \u00een 10 zile achit\u0103-\u021bi datoria; dob\u00e2nda va fi una modic\u0103, de 0.2 % pe zi<\/li>\n<\/ul>\n<\/div>\n<p>Folosind aceste tactici, nu doar c\u0103 \u021bi se va crea un istoric de creditare, dar acesta va fi \u0219i unul foarte pozitiv, dat fiind faptul c\u0103 \u021bi-ai rambursat anticipat creditele create.<\/p><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"i4_Aplic_n_mai_multe_locuri\">4. Aplic\u0103 \u00een mai multe locuri<\/h3>\n\n\n\n<p>La partea de sus a acestei pagini vei putea compara credite nevoi personale oferite de unele dintre cele mai cunoscute institu\u021bii financiare de la noi din \u021bar\u0103. <\/p>\n\n\n\n<p><em>Vei putea observa costurile lunare \u0219i finale ale fiec\u0103rui produs \u00een parte, al\u0103turi de valoarea DAE.<\/em><\/p>\n\n\n\n<p>Din p\u0103cate, oric\u00e2t de mult am \u00eencerca s\u0103 fim la curent cu toate modific\u0103rile aduse de creditori asupra ofertelor proprii, c\u00e2teodat\u0103 lucrul acesta chiar nu este posibil.<\/p>\n\n\n\n<p>Cum condi\u021biile de creditare ale unora dintre \u00eemprumuturi sunt personalizate \u00een func\u021bie de rating-ul fiec\u0103rui individ, nu po\u021bi afla exact care sunt acestea dec\u00e2t complet\u00e2nd cererea de aplicare.<\/p>\n\n\n\n<p><strong>Sfatul nostru este s\u0103 completezi c\u00e2t de multe astfel de cereri po\u021bi, la c\u00e2t mai mul\u021bi creditori. <\/strong><\/p>\n\n\n\n<p>Vei primi apoi contractul de credit de la fiecare \u0219i doar analiz\u00e2ndu-le atent vei putea compara realmente condi\u021biile de creditare ale ofertelor din portofolii.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box info\"><div class=\"fn_block__icon\"><\/div><p>Simpla aplicare pentru un credit nevoi personale \u0219i primirea c\u0103tre semnare a contractului nu atrage dup\u0103 sine nici un fel de obliga\u021bie financiar\u0103.<\/p>\n<p>Abia dup\u0103 semnarea actelor, trimiterea lor spre aprobare \u0219i virarea banilor \u00een contul personal te po\u021bi considera client al respectivului creditor \u0219i vei avea de pl\u0103tit dob\u00e2nd\u0103 pentru sumele utilizate.<\/p><\/div>\n\n<h3 id=\"Cel_mai_bun_credit_de_nevoi_personale_u00een_doar_5_pau0219i\">Cel mai bun credit de nevoi personale \u00een doar 5 pa\u0219i<\/h3><div class=\"howto_desc\"><p>Dac\u0103 vrei s\u0103 aplici pentru\u00a0<strong>cel mai bun credit de nevoi personale<\/strong>, nu va trebui dec\u00e2t s\u0103 urmezi cei 5 pa\u0219i ce vor fi prezenta\u021bi \u00een continuare:<\/p><\/div><div class=\"single-article__steps\">        <style>\n            .single-article__steps-items .single-article__steps-content {\n                background: #FFFFFF;\n                padding: 30px;\n                margin: 0 0 30px 0;\n                border-radius: 10px;\n                box-shadow: 0 0 10px 0 rgba(0, 0, 0, 0.14);\n                width: calc(100% - 5px);\n            }\n            .single-article__steps-items .single-article__steps-counter {\n                padding: 5px 20px;\n                border-radius: 3px;\n                background-color: #F5E7D8;\n                display: inline-block;\n                top: 15px;\n                left: -30px;\n                position: relative;\n                font-size: 16px;\n                font-weight: 600;\n            }\n\/*            .single-article__steps-items::before {\n                content: \"\";\n                position: absolute;\n                top: 20px;\n                left: 0;\n                height: calc(100% + 40px);\n                border-left: 2px dashed #e0e0e1;\n            }*\/\n            .single-article__conclusion-tag {\n                padding: 5px 20px;\n                border-radius: 3px;\n                color: #000000;\n                background-color: #F5E7D8;\n                display: inline-block;\n                top: 15px;\n                left: -30px;\n                position: relative;\n                font-size: 16px;\n                font-weight: 600;\n            }\n            .single-article__conclusion-item {\n                background: #FFFFFF;\n                padding: 30px;\n                margin: 0 0 30px 0;\n                border-radius: 10px;\n                box-shadow: 0 0 10px 0 rgba(0, 0, 0, 0.14);\n            }\n        <\/style>\n        <div class=\"single-article__steps-items\"><div class=\"single-article__steps-counter\" id=\"step_1\">Pasul 1<\/div><div class=\"single-article__steps-content\"><h3 id=\"Foloseste-calculatorul-de-credit\">Folose\u0219te calculatorul de credit<\/h3><p>Prin intermediul calculatorului ce se reg\u0103se\u0219te <a href=\"#top\">la partea de sus a paginii<\/a>, f\u0103 o\u00a0simulare credit\u00a0nevoi personale. Alege suma de care ai nevoie \u0219i apas\u0103 butonul\u00a0<em>\u201eCompar\u0103 oferte\u201d.<\/em><\/p>\n<p>Totodat\u0103, ap\u0103s\u00e2nd \u201eEditeaz\u0103 c\u0103utarea\u201d vei putea personaliza rezultatele calculatorului, astfel \u00eenc\u00e2t s\u0103 rezulte doar acele oferte relevante pentru tine.<\/p><\/div><div class=\"single-article__steps-counter\" id=\"step_2\">Pasul 2<\/div><div class=\"single-article__steps-content\"><h3 id=\"Analizeaza-ofertele-si-alege-o-pe-cea-mai-buna\">Analizeaz\u0103 ofertele \u0219i alege-o pe cea mai bun\u0103<\/h3><p>Indiferent dac\u0103 dore\u0219ti credite mari sau mici, analizeaz\u0103 ofertele rezultate \u0219i alege-o pe cea care \u021bi se potrive\u0219te, ap\u0103s\u00e2nd butonul\u00a0<em>\u201eAplicare\u201d.<\/em><\/p><p>Dac\u0103 dore\u0219ti, vei putea citi o descriere a companiei f\u0103cut\u0103 de noi, plus o mul\u021bime de recenzii ale unor fo\u0219ti clien\u021bi ai acestora prin ap\u0103sarea logo-ului institu\u021biei.<\/p><\/div><h4>Aplic\u0103 pentru un credit de nevoi personale cu dob\u00e2nd\u0103 0 de la Hora Credit<\/h4><div class=\"single-article__steps-item\"><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\/hora-credit\/\" class=\"items-content__card-logo \" ><img decoding=\"async\" width=\"200\" height=\"55\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/14\/2018\/06\/hora-credit.png\" class=\"attachment-full size-full\" alt=\"hora credit\" \/><\/a><span class=\"items-content__card-chosen\">Ales <strong>14.410<\/strong> ori<\/span><ul class=\"items-content__card-list\"><li >Credite de p\u00e2n\u0103 la 10.000 lei cu dob\u00e2nd\u0103 0 pentru clien\u021bi noi<\/li><li >Acordarea de \u00eemprumuturi inclusiv persoanelor r\u0103u-platnice<\/li><li >Aprobare rapid\u0103, chiar \u0219i la 15 minute de la accesare<\/li><li >Creditor 100 % rom\u00e2n<\/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\">3000<\/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\">10000<\/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\">34.00<\/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\">0.00<\/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\">1 Lun\u0103<\/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<\/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\">19<\/span><\/div><\/div><div class=\"items-content__card-right\"><a href=\"https:\/\/financer.ro\/companie\/hora-credit\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"1061\" 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\/hora-credit\/\"  class=\"button is-rounded items-content__card-more-info\">Detalii aici<\/a><a href=\"https:\/\/financer.ro\/companie\/hora-credit\/#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_outline_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_yellow\" data-rating-value=\"3.3\">3.3<\/span><\/a><span class=\"items-content__card-reviews\">Cite\u0219te&nbsp;<a href=\"https:\/\/financer.ro\/companie\/hora-credit\/#read-reviews\">43<\/strong>&nbsp;recenzii<\/a><\/div><\/div><\/div><\/div><div class=\"single-article__steps-counter\" id=\"step_3\">Pasul 3<\/div><div class=\"single-article__steps-content\"><h3 id=\"Alege-criteriile-viitorului-imprumut-pe-site-ul-creditorului\">Alege criteriile viitorului \u00eemprumut pe site-ul creditorului<\/h3><p>Vei fi automat redirec\u021bionat pe site-ul partenerului nostru ales de tine.<\/p><p>Aici vei avea posibilitatea de a alege mai multe criterii pe care dore\u0219ti ca \u00eemprumutul t\u0103u s\u0103 le respecte \u2013 valoare, rambursare \u0219i multe altele.<\/p><\/div><div class=\"single-article__steps-counter\" id=\"step_4\">Pasul 4<\/div><div class=\"single-article__steps-content\"><h3 id=\"Completeaza-ti-datele-personale\">Completeaz\u0103-\u021bi datele personale<\/h3><p>Dup\u0103 alegerea criteriilor, vei aplica efectiv pentru credit. \u00cen acest sens, va trebui s\u0103 completezi un formular cu datele personale. <\/p><p>\u00cen func\u021bie de creditor, tot la acest pas vei fi nevoit s\u0103 \u00eencarci poze ale unor diferite documente \u2013 C.I, extras de cont, flutura\u0219 de salariu sau de pensie \u0219.a.<\/p><\/div><div class=\"single-article__steps-counter\" id=\"step_5\">Pasul 5<\/div><div class=\"single-article__steps-content\"><h3 id=\"Trimite-cererea-spre-analiza\">Trimite cererea spre analiz\u0103<\/h3><p>Ultimul pas este s\u0103 \u00ee\u021bi trimi\u021bi cererea de \u00eemprumut \u0219i s\u0103 a\u0219tep\u021bi s\u0103 fi contactat de c\u0103tre cineva din partea institu\u021biei financiare.<\/p><p>De regul\u0103, procesarea unor astfel de cereri nu ar trebui s\u0103 dureze mai mult de c\u00e2teva ore. Doar \u00een cazuri excep\u021bionale vei avea de a\u0219teptat 24 &#8211; 48 ore.<\/p><\/div><\/div>            <div class=\"single-article__conclusion\">\n                            <\/div>\n            <\/div>\n\n\n\t\t<div id=\"genericloan_0_form\" class=\"fs-slider fs-slider--tooltip search-hero--bg2\"><h3>Compar\u0103 credite oferite de 16 companii<\/h3><p>G\u0103se\u0219te cel mai ieftin credit cu un singur click<\/p><div class=\"step amount\">    <div class=\"slider_cont step__value\">\n        <span class=\"fl_l_m_15 amount_display\"><\/span>\n    <\/div>\n    <div class=\"step__slider\">\n        <input type=\"range\" data-default-value=\"3000\" data-name=\"param_amount\" \/>\n    <\/div>\n<\/div><div class=\"step stepSubmit\"><a id=\"submitSliders\" href=\"https:\/\/financer.ro\/results?query=1&non_affiliate=true&param_amount=3000&param_period=30\" data-slider-url=\"https:\/\/financer.ro\/results?query=1&non_affiliate=true&param_amount=3000&param_period=30\" data-required=\"results?query=1non_affiliate=true&param_amount=3000&param_period=30&\" class=\"get_results compare button is-primary is-medium is-rounded\">Compar\u0103 ofertele<\/a><\/div>\t\t<\/div><h2 class=\"wp-block-heading\" id=\"Ce_companii_din_Romnia_ofer_credite_de_nevoi_personale\">Ce companii din Rom\u00e2nia ofer\u0103 credite de nevoi personale<\/h2>\n\n\n\n<p>Iat\u0103-ne ajun\u0219i \u0219i la tabelul despre care vorbeam \u00een introducerea articolului. <\/p>\n\n\n\n<p>Aici vei g\u0103si toate companiile importante din Rom\u00e2nia care ofer\u0103 credit de nevoi personale la data actualiz\u0103rii articolului (decembrie 2024).<\/p>\n\n\n\n<p><em>Aten\u021bie, din tabel lipsesc societ\u0103\u021bile nou-\u00eenfiin\u021bate, \u00eentruc\u00e2t nu \u0219tim c\u00e2t de credibile sunt ele.<\/em><\/p>\n\n\n\n<p>\u0218i vom \u00eencepe cu companiile de creditare private. Iat\u0103, deci, la ce condi\u021bii te po\u021bi a\u0219tepta de la un credit de nevoi personale acordat de IFN-uri:<\/p>\n\n\n\n<figure class=\"wp-block-table aligncenter is-style-fn-tables shortcode-embeddable\"><table><thead><tr><th class=\"has-text-align-center\" data-align=\"center\"><strong>Nume creditor<\/strong><\/th><th class=\"has-text-align-center\" data-align=\"center\"><strong>Denumire produs<\/strong><\/th><th class=\"has-text-align-center\" data-align=\"center\"><strong>Credit maxim (lei)<\/strong><\/th><th class=\"has-text-align-center\" data-align=\"center\"><strong>Perioad\u0103 rambursare<\/strong><\/th><th class=\"has-text-align-center\" data-align=\"center\"><strong>DAE maxim*<\/strong><\/th><th>Ofert\u0103 special\u0103<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><a href=\"https:\/\/financer.ro\/companie\/mozipo\/\">Mozipo<\/a><\/td><td class=\"has-text-align-center\" data-align=\"center\">Credit online<\/td><td class=\"has-text-align-center\" data-align=\"center\">20.000<\/td><td class=\"has-text-align-center\" data-align=\"center\">2 &#8211; 60 luni<\/td><td class=\"has-text-align-center\" data-align=\"center\">319 %<\/td><td>Prim credit de p\u00e2n\u0103 la 500 lei, pe 60 zile, f\u0103r\u0103 dob\u00e2nd\u0103<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><a href=\"https:\/\/financer.ro\/companie\/credius\/\" data-type=\"company_single\" data-id=\"1981\">Credius<\/a><\/td><td class=\"has-text-align-center\" data-align=\"center\">Credit cu selfie<\/td><td class=\"has-text-align-center\" data-align=\"center\">51.000<\/td><td class=\"has-text-align-center\" data-align=\"center\">24 &#8211; 60 luni<\/td><td class=\"has-text-align-center\" data-align=\"center\">149.11 %<\/td><td>\u274c<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><a href=\"https:\/\/financer.ro\/companie\/hora-credit\/\">Hora Credit<\/a><\/td><td class=\"has-text-align-center\" data-align=\"center\">Credit online rapid<\/td><td class=\"has-text-align-center\" data-align=\"center\">10.000<\/td><td class=\"has-text-align-center\" data-align=\"center\">2 &#8211; 12 luni<\/td><td class=\"has-text-align-center\" data-align=\"center\">728 %<\/td><td>Prim credit de p\u00e2n\u0103 la 10.000 lei, pe 70 zile, f\u0103r\u0103 dob\u00e2nd\u0103<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><a href=\"https:\/\/financer.ro\/companie\/ferratum-money\/\">Ferratum<\/a><\/td><td class=\"has-text-align-center\" data-align=\"center\">Linia de credit<\/td><td class=\"has-text-align-center\" data-align=\"center\">10.000<\/td><td class=\"has-text-align-center\" data-align=\"center\">1 &#8211; 12 luni<\/td><td class=\"has-text-align-center\" data-align=\"center\">299.46 %<\/td><td>Prim credit de p\u00e2n\u0103 la 10.000 lei, pe 30 zile, f\u0103r\u0103 dob\u00e2nd\u0103<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><a href=\"https:\/\/financer.ro\/companie\/ocean-credit\/\">Ocean Credit<\/a><\/td><td class=\"has-text-align-center\" data-align=\"center\">Credit Coral<\/td><td class=\"has-text-align-center\" data-align=\"center\">12.000<\/td><td class=\"has-text-align-center\" data-align=\"center\">1 &#8211; 24 luni<\/td><td class=\"has-text-align-center\" data-align=\"center\">70 %<\/td><td>Invi\u021bi un prieten \u0219i prime\u0219ti 100 lei dac\u0103 ia credit<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><a href=\"https:\/\/financer.ro\/companie\/viva-credit\/\" data-type=\"company_single\" data-id=\"1974\">Viva Credit<\/a><\/td><td class=\"has-text-align-center\" data-align=\"center\">Credit Viva<\/td><td class=\"has-text-align-center\" data-align=\"center\">20.000<\/td><td class=\"has-text-align-center\" data-align=\"center\">1 &#8211; 12 luni<\/td><td class=\"has-text-align-center\" data-align=\"center\">144 %<\/td><td>Prim credit de p\u00e2n\u0103 la 5.000 lei, pe 30 zile, f\u0103r\u0103 dob\u00e2nd\u0103<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><a href=\"https:\/\/financer.ro\/companie\/axi-card\/\">AXI Card<\/a><\/td><td class=\"has-text-align-center\" data-align=\"center\">Cardul AXI<\/td><td class=\"has-text-align-center\" data-align=\"center\">4.000<\/td><td class=\"has-text-align-center\" data-align=\"center\">1 &#8211; 12 luni<\/td><td class=\"has-text-align-center\" data-align=\"center\">85.04 %<\/td><td>\u274c<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><a href=\"https:\/\/financer.ro\/companie\/creditprime\/\">CreditPrime<\/a><\/td><td class=\"has-text-align-center\" data-align=\"center\">Linie de credit online<\/td><td class=\"has-text-align-center\" data-align=\"center\">15.000<\/td><td class=\"has-text-align-center\" data-align=\"center\">1 &#8211; 12 luni<\/td><td class=\"has-text-align-center\" data-align=\"center\">546.55 %<\/td><td>Prim credit de p\u00e2n\u0103 la 15.000 lei, pe 60 zile, f\u0103r\u0103 dob\u00e2nd\u0103<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><a href=\"https:\/\/financer.ro\/companie\/provident\/\">Provident<\/a><\/td><td class=\"has-text-align-center\" data-align=\"center\">ProviOnline<\/td><td class=\"has-text-align-center\" data-align=\"center\">15.000<\/td><td class=\"has-text-align-center\" data-align=\"center\">12 &#8211; 30 luni<\/td><td class=\"has-text-align-center\" data-align=\"center\">356.05 %<\/td><td>\u274c<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><a href=\"https:\/\/financer.ro\/companie\/via-conto\/\">ViaConto<\/a><\/td><td class=\"has-text-align-center\" data-align=\"center\">Credit nevoi personale online<\/td><td class=\"has-text-align-center\" data-align=\"center\">4.000<\/td><td class=\"has-text-align-center\" data-align=\"center\">1 &#8211; 12 luni<\/td><td class=\"has-text-align-center\" data-align=\"center\">3072.48 %<\/td><td>\u274c<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><a href=\"https:\/\/financer.ro\/companie\/mobilo-credit\/\">Mobilo Credit<\/a><\/td><td class=\"has-text-align-center\" data-align=\"center\">Creditul Mobilo<\/td><td class=\"has-text-align-center\" data-align=\"center\">10.000<\/td><td class=\"has-text-align-center\" data-align=\"center\">1 &#8211; 60 luni<\/td><td class=\"has-text-align-center\" data-align=\"center\">547.5 %<\/td><td>Prim credit de p\u00e2n\u0103 la 10.000 lei, pe 7 zile, f\u0103r\u0103 dob\u00e2nd\u0103<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Simplu Credit<\/td><td class=\"has-text-align-center\" data-align=\"center\">Credite rapide<\/td><td class=\"has-text-align-center\" data-align=\"center\">20.000<\/td><td class=\"has-text-align-center\" data-align=\"center\">6 &#8211; 48 luni<\/td><td class=\"has-text-align-center\" data-align=\"center\">85.29%<\/td><td>\u274c<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>Iat\u0103 \u0219i care vor fi condi\u021biile cu care vor veni creditele de nevoi personale oferite de top 10 b\u0103nci din Rom\u00e2nia:<\/p>\n\n\n\n<figure class=\"wp-block-table aligncenter is-style-fn-tables shortcode-embeddable\"><table><thead><tr><th class=\"has-text-align-center\" data-align=\"center\"><strong>Nume creditor<\/strong><\/th><th class=\"has-text-align-center\" data-align=\"center\"><strong>Denumire produs<\/strong><\/th><th class=\"has-text-align-center\" data-align=\"center\"><strong>Credit maxim (lei)<\/strong><\/th><th class=\"has-text-align-center\" data-align=\"center\"><strong>Perioad\u0103 rambursare<\/strong><\/th><th class=\"has-text-align-center\" data-align=\"center\"><strong>DAE maxim*<\/strong><\/th><th>Ofert\u0103 special\u0103<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><a href=\"https:\/\/financer.ro\/companie\/revolut\/\">Revolut<\/a><\/td><td class=\"has-text-align-center\" data-align=\"center\">Credit nevoi personale Revolut<\/td><td class=\"has-text-align-center\" data-align=\"center\">200.000<\/td><td class=\"has-text-align-center\" data-align=\"center\">6 &#8211; 60 luni<\/td><td class=\"has-text-align-center\" data-align=\"center\">15.99 %<\/td><td>\u274c<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Exim Bank<\/td><td class=\"has-text-align-center\" data-align=\"center\">Creditul pentru to\u021bi<\/td><td class=\"has-text-align-center\" data-align=\"center\">150.000<\/td><td class=\"has-text-align-center\" data-align=\"center\">12 &#8211; 60 luni<\/td><td class=\"has-text-align-center\" data-align=\"center\">11.71 %<\/td><td>\u274c<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">CEC Bank<\/td><td class=\"has-text-align-center\" data-align=\"center\">Creditul CEC online<\/td><td class=\"has-text-align-center\" data-align=\"center\">90.000<\/td><td class=\"has-text-align-center\" data-align=\"center\">12 &#8211; 60 luni<\/td><td class=\"has-text-align-center\" data-align=\"center\">19.45 %<\/td><td>\u274c<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Garanti BBVA<\/td><td class=\"has-text-align-center\" data-align=\"center\">Creditul Relaxat<\/td><td class=\"has-text-align-center\" data-align=\"center\">250.000<\/td><td class=\"has-text-align-center\" data-align=\"center\">12 &#8211; 60 luni<\/td><td class=\"has-text-align-center\" data-align=\"center\">13.20 %<\/td><td>\u274c<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">BRD<\/td><td class=\"has-text-align-center\" data-align=\"center\">Creditul Expresso<\/td><td class=\"has-text-align-center\" data-align=\"center\">130.000<\/td><td class=\"has-text-align-center\" data-align=\"center\">6 &#8211; 60 luni<\/td><td class=\"has-text-align-center\" data-align=\"center\">20.45 %<\/td><td>\u274c<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">ING Bank<\/td><td class=\"has-text-align-center\" data-align=\"center\">ING Personal<\/td><td class=\"has-text-align-center\" data-align=\"center\">125.000<\/td><td class=\"has-text-align-center\" data-align=\"center\">12 &#8211; 60 luni<\/td><td class=\"has-text-align-center\" data-align=\"center\">17.35 %<\/td><td>\u274c<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">BCR Bank<\/td><td class=\"has-text-align-center\" data-align=\"center\">Creditul de nevoi personale George<\/td><td class=\"has-text-align-center\" data-align=\"center\">110.000<\/td><td class=\"has-text-align-center\" data-align=\"center\">1 &#8211; 60 luni<\/td><td class=\"has-text-align-center\" data-align=\"center\">25.94 %<\/td><td>\u274c<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Unicredit<\/td><td class=\"has-text-align-center\" data-align=\"center\">Credit realiz\u0103ri personale<\/td><td class=\"has-text-align-center\" data-align=\"center\">200.000<\/td><td class=\"has-text-align-center\" data-align=\"center\">6 &#8211; 60 luni<\/td><td class=\"has-text-align-center\" data-align=\"center\">21.49 %<\/td><td>\u274c<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Alpha bank<\/td><td class=\"has-text-align-center\" data-align=\"center\">Alpha Rapid<\/td><td class=\"has-text-align-center\" data-align=\"center\">148.000<\/td><td class=\"has-text-align-center\" data-align=\"center\">6 &#8211; 60 luni<\/td><td class=\"has-text-align-center\" data-align=\"center\">23.12 %<\/td><td>\u274c<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Banca Transilvania<\/td><td class=\"has-text-align-center\" data-align=\"center\">Creditul personal<\/td><td class=\"has-text-align-center\" data-align=\"center\">250.000<\/td><td class=\"has-text-align-center\" data-align=\"center\">12 &#8211; 60 luni<\/td><td class=\"has-text-align-center\" data-align=\"center\">18.50 %<\/td><td>\u274c<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Raiffeisen Bank<\/td><td class=\"has-text-align-center\" data-align=\"center\">FlexiCredit<\/td><td class=\"has-text-align-center\" data-align=\"center\">98.600<\/td><td class=\"has-text-align-center\" data-align=\"center\">12 &#8211; 60 luni<\/td><td class=\"has-text-align-center\" data-align=\"center\">35.50 %<\/td><td>\u274c<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Patria Bank<\/td><td class=\"has-text-align-center\" data-align=\"center\">Creditul Patria Plus<\/td><td class=\"has-text-align-center\" data-align=\"center\">150.000<\/td><td class=\"has-text-align-center\" data-align=\"center\">12 &#8211; 60 luni<\/td><td class=\"has-text-align-center\" data-align=\"center\">20.86 %<\/td><td>\u274c<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n<div class=\"fn_block block_fn_msg_box boxed\"><div class=\"fn_block__icon\"><\/div><p>* Pentru toate institu\u021biile prezentate, am ales ca exemplu dob\u00e2nda fix\u0103 standard pentru un <strong>credit de nevoi personale f\u0103r\u0103 garan\u021bie oferit clien\u021bilor noi.<\/strong><\/p>\n<p>Cu toate acestea, mare parte a creditorilor vin cu oferte mai mici cu p\u00e2n\u0103 la 1 &#8211; 1.5 puncte procentuale dac\u0103 vii cu salariul la ei, \u00ee\u021bi faci o asigurare de via\u021b\u0103, refinan\u021bezi un \u00eemprumut existent \u0219.a.m.d.<\/p><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Este_mai_avantajos_un_IFN_credit_dect_unul_bancar\">Este mai avantajos un IFN credit dec\u00e2t unul bancar?<\/h2>\n\n\n\n<p>Nu am putea spune sigur care variant\u0103 este mai avantajoas\u0103 &#8211; un credit de nevoi personale nebancar sau bancar. <\/p>\n\n\n\n<p>Cert este c\u0103 at\u00e2t unul c\u00e2t \u0219i cel\u0103lalt va veni cu propriile avantaje, c\u00e2t \u0219i dezavantaje, pe care le vom expune \u00een continuare, iar apoi te vom l\u0103sa s\u0103 tragi singur concluziile.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Avantajele_unui_credit_de_nevoi_personale_de_la_IFN_uri_vs_banc\">Avantajele unui credit de nevoi personale de la IFN-uri vs banc\u0103<\/h3>\n\n\n\n<p>Credem c\u0103 am expus foarte bine toate avantajele pe care IFN-urile le au fa\u021b\u0103 de b\u0103nci \u00een poza de mai jos, a\u0219a c\u0103 nu te vom mai plictisi cu mai mult text:<\/p>\n\n\n<div class=\"wp-block-image shortcode-no\">\n<figure class=\"aligncenter\"><img decoding=\"async\" width=\"940\" height=\"788\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/14\/2019\/12\/credit-nevoi-personale-min.png\" alt=\"credite de nevoi personale\" class=\"wp-image-5152\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/14\/2019\/12\/credit-nevoi-personale-min.png 940w, https:\/\/financer.global\/app\/uploads\/sites\/14\/2019\/12\/credit-nevoi-personale-min-300x251.png 300w, https:\/\/financer.global\/app\/uploads\/sites\/14\/2019\/12\/credit-nevoi-personale-min-768x644.png 768w\" sizes=\"(max-width: 940px) 100vw, 940px\" \/><\/figure><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"Avantajele_unui_credit_de_nevoi_personale_bancar_vs_IFN\">Avantajele unui credit de nevoi personale bancar vs IFN<\/h3>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"check\"><li><p><strong>Sumele pe care le po\u021bi ob\u021bine sunt mult mai mari<\/strong>. A\u0219a cum po\u021bi observa \u0219i din tabelul de mai sus, exist\u0103 b\u0103nci care ofer\u0103 credite de nevoi personale de p\u00e2n\u0103 la 250.000 lei.<\/p>\n<\/li><li><p><strong>Dob\u00e2nzile sunt mult mai bune<\/strong>. At\u00e2t rata dob\u00e2nzii c\u00e2t \u0219i DAE sunt chiar \u0219i de trei ori mai mici \u00een cazul b\u0103ncilor comparativ cu cele oferite de IFN-uri. <\/p>\n<\/li><li><p><strong>Po\u021bi beneficia de o reducere a dob\u00e2nzii standard \u00een anumite condi\u021bii<\/strong>. Spre exemplu, dac\u0103 \u00ee\u021bi mu\u021bi salariul la banca cu care decizi s\u0103 colaborezi sau dac\u0103 \u00ee\u021bi faci o asigurare de invaliditate\/\u0219omaj \u00een favoarea b\u0103ncii.<\/p>\n<\/li><li><p><strong>Perioade de rambursare mai mari<\/strong>. Nu multe sunt IFN-urile care ofer\u0103 credite de nevoi personale pe 5 ani, \u00eens\u0103 \u00een cazul b\u0103ncilor, toate au ca standard aceste 60 luni drept perioad\u0103 maxim\u0103 a \u00eemprumutului.<\/p>\n<\/li><\/ul><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Ce_este_un_credit_de_nevoi_personale\">Ce este un credit de nevoi personale?<\/h2>\n\n\n\n<p>Ei bine, aceste \u00eemprumuturi nu sunt altceva dec\u00e2t ni\u0219te produse financiare prin intermediul c\u0103rora persoanele fizice pot accesa, atunci c\u00e2nd au nevoie, anumite fonduri de la b\u0103nci sau IFN-uri.<\/p>\n\n\n\n<p>Ele reprezint\u0103, de departe, <strong>cea mai c\u0103utat\u0103 form\u0103 de creditare de la noi din \u021bar\u0103<\/strong>.<\/p>\n\n\n\n<p>\u00cen ceea ce prive\u0219te popularitatea, dep\u0103\u0219esc lejer toate celelalte tipuri de \u00eemprumut, la un loc \u2013 <a href=\"https:\/\/financer.ro\/credit\/credit-rapid\/\">credite rapide<\/a>, <a href=\"https:\/\/financer.ro\/credit\/credit-rapid\/credit-fara-adeverinta-de-venit\/\">credite f\u0103r\u0103 adeverin\u021b\u0103 de venit<\/a>, <a href=\"https:\/\/financer.ro\/credit\/credit-rapid\/credit-pana-la-salariu\/\">credite p\u00e2n\u0103 la salariu<\/a> etc.<\/p>\n\n\n\n<p>Motivul popularit\u0103\u021bii acestor credite nevoi personale este lesne de \u00een\u021beles: pentru a le accesa, nu trebuie s\u0103 vii cu garan\u021bii bancare, iar <strong>sumele \u00eemprumutate pot fi cheltuite dup\u0103 bunul plac al beneficiarului<\/strong>.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large shortcode-no\"><img decoding=\"async\" width=\"800\" height=\"881\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/14\/2021\/06\/credite-nevoi-personale-min.jpg\" alt=\"credite nevoi personale\" class=\"wp-image-17540\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/14\/2021\/06\/credite-nevoi-personale-min.jpg 800w, https:\/\/financer.global\/app\/uploads\/sites\/14\/2021\/06\/credite-nevoi-personale-min-272x300.jpg 272w, https:\/\/financer.global\/app\/uploads\/sites\/14\/2021\/06\/credite-nevoi-personale-min-768x846.jpg 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/figure>\n\n\n\n<p>Este drept c\u0103 exist\u0103 \u0219i instrumente financiare ce vin cu costuri ceva mai mici, cum ar fi acele <a href=\"https:\/\/financer.ro\/credit\/credit-ipotecar\/\">creditele ipotecare<\/a>, imobiliare sau cele de nevoi personale cu garan\u021bii bancare.<\/p>\n\n\n\n<p>\u00cens\u0103 banii ob\u021binu\u021bi prin intermediul lor nu pot fi cheltui\u021bi dec\u00e2t \u00een anumite scopuri bine determinate, ori pentru sumele respective va trebui s\u0103 girezi cu bunuri personale.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box boxed\"><div class=\"fn_block__icon\"><\/div><h3 id=\"Informau021bii_importante_despre_credite_de_nevoi_personale\">Informa\u021bii importante despre credite de nevoi personale<\/h3><ul>\n<li><strong data-rich-text-format-boundary=\"true\">Rata dob\u00e2nzii<\/strong>. Dob\u00e2nda anual\u0103 porne\u0219te de la 7 % \u0219i poate ajunge p\u00e2n\u0103 la 365 %.<\/li>\n<li><strong>Perioada de rambursare<\/strong>. Maturitatea creditelor este cuprins\u0103 \u00eentre 2 luni \u0219i 5 ani.<\/li>\n<li><strong>F\u0103r\u0103 garan\u021bii bancare<\/strong>. Pentru \u00eemprumuturile prezentate aici nu trebuie s\u0103 vii cu garan\u021bii bancare.<\/li>\n<\/ul>\n<p><em>Opt\u00e2nd pentru cea mai ieftin\u0103 variant\u0103 existent\u0103 pe site-ul nostru, vei economisi p\u00e2n\u0103 la 310 % pe an!<\/em><\/p><\/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\">2.039,00 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 2.039,00 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=\"Cine_poate_aplica_pentru_un_credit_nevoi_personale\">Cine poate aplica pentru un credit nevoi personale?<\/h2>\n\n\n\n<p>Prin intermediul site-ului nostru, vei putea accesa chiar \u0219i credite nebancare pe 5 ani, \u00eens\u0103 va trebui s\u0103 \u00eendepline\u0219ti urm\u0103toarele condi\u021bii. <\/p>\n\n\n\n<p>Te rug\u0103m s\u0103 fii atent la ele, pentru c\u0103 anumite aspecte pot diferi de la un creditor la altul:<\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"check\"><li><p><strong>V\u00e2rst\u0103<\/strong>. De obicei, vei putea aplica pentru un credit de nevoi personale dup\u0103 ce ai \u00eemplinit 18 ani. Exist\u0103, totu\u0219i, creditori ce cresc aceast\u0103 v\u00e2rst\u0103 minim\u0103 la 21 ani.<\/p>\n<\/li><li><p><strong>Locul de re\u0219edin\u021b\u0103<\/strong>. Pentru a putea \u00eemprumuta bani din Rom\u00e2nia, trebuie ca beneficiarii s\u0103 fie cet\u0103\u021beni rom\u00e2ni.<\/p>\n<\/li><li><p><strong>Ocupa\u021bie<\/strong>. Companiile pe care le vei \u00eent\u00e2lni pe site-ul nostru nu necesit\u0103 s\u0103 faci dovada unui loc permanent de munc\u0103.<\/p>\n<\/li><li><p><strong>Venit minim<\/strong>. Trebuie s\u0103 ai un venit minim lunar net de cel pu\u021bin 400 \u2013 700 lei.<\/p>\n<\/li><li><p><strong>Sursa venitului<\/strong>. Venitul lunar poate proveni din chirii, dividende, pensie, salariu, drepturi de autor etc.<\/p>\n<\/li><li><p><strong>Biroul de credit<\/strong>. Chiar \u0219i persoanele care se reg\u0103sesc pe listele Biroului de Credit vor putea aplica pe site-ul nostru pentru un credit nevoi personale IFN.<\/p>\n<\/li><\/ul><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"De_ce_acte_ai_nevoie\">De ce acte ai nevoie?<\/h2>\n\n\n\n<p>\u00cen ceea ce prive\u0219te actele de care vei avea nevoie pentru a putea accesa un \u00eemprumut nevoi personale, lucrurile difer\u0103 destul de mult de la o companie la alta.<\/p>\n\n\n\n<p><em>Cu toate acestea, \u00een general va trebui s\u0103:<\/em><\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"check\"><li><p>Oferi o copie a unui act de identitate valabil<\/p>\n<\/li><li><p>Furnizezi un extras de cont care s\u0103 ateste faptul c\u0103 ai un venit minim lunar<\/p>\n<\/li><li><p>Completezi o cerere de \u00eemprumut cu datele tale personale \u0219i suma de care ai nevoie<\/p>\n<\/li><\/ul><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Ai_grij_s_nu_fii_nelat\">Ai grij\u0103 s\u0103 nu fii \u00een\u0219elat!<\/h2>\n\n\n\n<p>A\u0219a cum ai citit p\u00e2n\u0103 acum, ob\u021binerea unui \u00eemprumut nevoi personale online se realizeaz\u0103 destul de simplu. Tocmai de aceea, <strong>trebuie s\u0103 ai grij\u0103 s\u0103 nu fii \u00een\u0219elat<\/strong>.<\/p>\n\n\n\n<p>Exist\u0103 o mul\u021bime de persoane r\u0103u-voitoare, care se pot folosi de nevoia ta urgent\u0103 de bani, pentru a-\u0219i aduce c\u00e2\u0219tiguri financiare personale importante.<\/p>\n\n\n\n<p>A\u0219adar, evit\u0103 s\u0103 \u00eemprumu\u021bi bani de la firme care nu \u00ee\u021bi cer cartea de identitate sau o adeverin\u021b\u0103 de venit.<\/p>\n\n\n\n<p>Totodat\u0103, dac\u0103 \u021bi se solicit\u0103 <strong>plata \u00een avans a vreunei sume<\/strong>, indiferent de valoarea ei, cel mai probabil compania cu care e\u0219ti \u00een contact are ca scop \u00een\u0219elarea ta. <\/p>\n\n\n\n<p><em>De preferat ar fi s\u0103 iei leg\u0103tura numai cu creditori cunoscu\u021bi, pentru a evita astfel de situa\u021bii.<\/em><\/p>\n\n\n\n<p><strong>Multe dintre firmele de \u00eencredere pot fi \u00eent\u00e2lnite \u0219i pe site-ul nostru, <a href=\"#companii\">\u00een partea de sus a acestui articol<\/a>.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"mprumut_te_responsabil\">\u00cemprumut\u0103-te responsabil<\/h2>\n\n\n\n<p>Este drept c\u0103 de c\u00e2nd cu criza economic\u0103 ce a lovit \u021bara noastr\u0103 acum mai bine de 10 ani, este tot mai greu s\u0103 accesezi \u00eemprumuturi clasice, prin intermediul b\u0103ncilor.<\/p>\n\n\n\n<p>Ca o solu\u021bie la aceast\u0103 situa\u021bie, ai mai nou Institu\u021biile Financiare Nebancare, al c\u0103ror regim de creditare este mai relaxat \u0219i mai simplu de accesat.<\/p>\n\n\n\n<p>Dar chiar \u0219i a\u0219a, \u00eenainte de a aplica pentru un credit nevoi personale IFN, asigur\u0103-te c\u0103 de\u021bii toate informa\u021biile de care ai nevoie:<\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"check\"><li><p>Care este rata lunar\u0103?<\/p>\n<\/li><li><p>Pe ce perioad\u0103 se va derula creditul \u0219i dac\u0103 vei putea m\u0103ri acest timp, \u00een caz de imposibilitate de plat\u0103 \u00eentr-una dintre luni?<\/p>\n<\/li><li><p>Care este dob\u00e2nda final\u0103 a \u00eemprumutului?<\/p>\n<\/li><li><p>Vei putea face rost de bani \u00een fiecare lun\u0103 pentru a achita creditul?<\/p>\n<\/li><\/ul><\/div>\n\n\n<p>Dup\u0103 ce afli r\u0103spunsul la toate aceste \u00eentreb\u0103ri, aplic\u0103 la una dintre firmele prezentate pe site-ul nostru pentru un \u00eemprumut.<\/p>\n\n\n<div class=\"fn_block block_fn_faq_list\"><h3 id=\"u00centrebu0103ri_frecvente_despre_credite_nevoi_personale\">\u00centreb\u0103ri despre credite nevoi personale<\/h3><h4>Cine poate accesa un credit nevoi personale?<\/h4><div class=\"faq_inner\"><p>Ca s\u0103 po\u021bi aplica pentru un <a href=\"https:\/\/financer.ro\/credit\/imprumut\/imprumut-urgent-1000-euro\/\">\u00eemprumut <\/a>nevoi personale, trebuie s\u0103 \u00eendepline\u0219ti c\u00e2teva condi\u021bii, dup\u0103 cum urmeaz\u0103: s\u0103 ai minim 18 ani, s\u0103 fii cet\u0103\u021bean rom\u00e2n, s\u0103 ai o C.I valabil\u0103, s\u0103 faci dovada unui venit constat lunar de minim 400 lei.<\/p><\/div><h4>M\u0103 cost\u0103 ceva s\u0103 aplic pentru un astfel de credit?<\/h4><div class=\"faq_inner\"><p>Nu. Pe Financer.com po\u021bi aplica la c\u00e2t de multe institu\u021bii financiare dore\u0219ti gratuit \u0219i f\u0103r\u0103 s\u0103 fii obligat \u00een vreun fel s\u0103 accep\u021bi oferta lor. Abia dup\u0103 ce semnezi contractul de credit propus de c\u0103tre creditor, iar banii s\u0103 \u00ee\u021bi sunt trimi\u0219i \u00een cont vei putea fi considerat client al acestora.<\/p><\/div><h4>\u00cen c\u00e2t timp se aprob\u0103 un credit de nevoi personale?<\/h4><div class=\"faq_inner\"><p>Cele mai multe dintre companii vor \u00eencerca s\u0103 aprobe chiar \u00een aceea\u0219i zi aplica\u021bia ta. \u00cen cazul \u00een care lucrul acesta nu este posibil, \u00een cel mult 24 \u2013 48 ore vei primi cu siguran\u021b\u0103 un r\u0103spuns.<\/p><\/div><h4>Cum pot rambursa un credit de nevoi personale?<\/h4><div class=\"faq_inner\"><p>Creditele de nevoi personale se caracterizeaz\u0103 prin faptul c\u0103 vin cu rate lunare fixe. Aceste rate pot fi trase automat din contul t\u0103u bancar la fiecare dat\u0103 scadent\u0103, ori vei putea vira tu suma respectiv\u0103 \u00een contul institu\u021biei financiare. Decizia \u00ee\u021bi apar\u021bine.<\/p><\/div><h4>\u00cemi pot extinde perioada de creditare?<\/h4><div class=\"faq_inner\"><p>Da, la majoritate institu\u021biilor financiare vei putea majora perioada de valabilitate a \u00eemprumutului. \u021aine cont, totu\u0219i, c\u0103 cu c\u00e2t creditul se va \u00eentinde pe o perioad\u0103 mai lung\u0103, cu at\u00e2t acesta va acumula dob\u00e2nzi mai mari.<\/p><\/div><h4>Pot folosi banii ob\u021binu\u021bi a\u0219a cum doresc?<\/h4><div class=\"faq_inner\"><p>Da. Fie c\u0103 ai nevoie de bani pentru a-\u021bi achita anumite datorii, pentru a renova casa sau\u00a0pentru a achita o excursie de mult a\u0219teptat\u0103, un credit nevoi personale este alegerea potrivit\u0103. Firmele creditoare nu \u00ee\u021bi vor pune \u00eentreb\u0103ri cu privire la modul \u00een care vor fi utilizate sumele \u00eemprumutate.<\/p><\/div><h4>Este sigur s\u0103 accesez un credit nevoi personale online?<\/h4><div class=\"faq_inner\"><p>Toate companiile care apar pe site-ul Financer.com ofer\u0103 \u00eemprumuturi \u00een condi\u021bii verificate. Toate informa\u021biile tale personale sunt confiden\u021biale \u0219i \u00een siguran\u021b\u0103, neexist\u00e2nd riscul de a fi transmise mai departe f\u0103r\u0103 acordul t\u0103u.<\/p>\n<p>Creditorii sunt reglementa\u021bi de c\u0103tre BNR \u0219i func\u021bioneaz\u0103 sub atenta lor supraveghere, iar pe pagina noastr\u0103 vei putea citi c\u00e2teva recenzii ale unor persoane ce s-au folosit de serviciile lor \u00een trecut.<\/p><\/div><h4>C\u00e2te luni trebuie s\u0103 ai lucrate pentru un credit de nevoi personale?<\/h4><div class=\"faq_inner\"><p>Depinde foarte mult de creditor \u0219i de suma de bani de care ai nevoie. Cel mai sigur ar fi s\u0103 aplici abia dup\u0103 ce au trecut trei luni de la angajare, de preferat dup\u0103 un an.<\/p><\/div><h4>Ce salariu \u00ee\u021bi trebuie pentru un credit de nevoi personale?<\/h4><div class=\"faq_inner\"><p>De regul\u0103 trebuie s\u0103 ai un venit minim lunar constant de 400 lei.<\/p><\/div><\/div>\n\n<div class=\"fn_block block_fn_msg_box boxed\"><div class=\"fn_block__icon\"><\/div><h3 id=\"SUMAR\">SUMAR<\/h3><ol>\n<li><strong>Compar\u0103 \u00eent\u00e2i. <\/strong>Numai compar\u00e2nd ofertele cu care vin principalele institu\u021bii financiare din \u021bara noastr\u0103, po\u021bi avea garan\u021bia c\u0103 ai ales cel mai bun credit nevoi personale de pe pia\u021b\u0103. Financer te poate ajuta \u00een acest sens.<\/li>\n<li><strong>Trimite c\u00e2t mai multe cereri de \u00eemprumut<\/strong>. Cu c\u00e2t trimi\u021bi mai multe cereri, cu at\u00e2t vei avea mai mari \u0219anse s\u0103 ob\u021bii o ofert\u0103 mai bun\u0103. Aminte\u0219te-\u021bi c\u0103 simpla solicitare a unui credit nu atrage dup\u0103 sine acceptarea automat\u0103 a ofertei.<\/li>\n<li><strong>Semneaz\u0103 contractul de credit pe care \u00eel consideri cel mai avantajos<\/strong>. Abia dup\u0103 ce semnezi contractul de \u00eemprumut \u0219i \u00eel trimi\u021bi \u00eenapoi creditorului po\u021bi fi considerat client al acestuia.<\/li>\n<li><strong>M\u0103re\u0219te-\u021bi scorul FICO.<\/strong><strong>\u00a0<\/strong>Cu c\u00e2t ai un scor mai bun, cu at\u00e2t dob\u00e2nzile la credite vor fi mai mici. Iar pentru asta, \u00ee\u021bi suger\u0103m s\u0103 iei\u00a0<a href=\"https:\/\/financer.ro\/credit\/credit-fara-dobanda\/\">credite f\u0103r\u0103 dob\u00e2nd\u0103<\/a>\u00a0sau\u00a0<a href=\"https:\/\/financer.ro\/card-de-cumparaturi\/\">carduri de credit<\/a>\u00a0\u0219i s\u0103 \u00ee\u021bi achi\u021bi la timp datoriile.<\/li>\n<\/ol><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Acceseaz_un_credit_nevoi_personale_chiar_astzi\">Acceseaz\u0103 un credit nevoi personale chiar ast\u0103zi!<\/h2>\n\n\n\n<p>A\u0219adar, ai nevoie de bani? La partea de sus a acestei pagini ai un calculator credit nevoi personale care te va ajuta s\u0103 compari ofertele unor mari creditori din Rom\u00e2nia.<\/p>\n\n\n\n<p>Analizeaz\u0103 op\u021biunile disponibile \u0219i alege cel mai bun \u00eemprumut pentru nevoile tale.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box key-takeaways\"><div class=\"fn_block__icon\"><\/div><h3 id=\"F_rost_de_bani_chiar_azi\">F\u0103 rost de bani chiar azi!<\/h3><p><!-- wp:heading --><\/p>\n<p>Scap\u0103 de problemele financiare pe care le ai prin intermediul unui credit nevoi personale de p\u00e2n\u0103 la 10.000 lei oferit de cei de la Hora Credit.<\/p>\n<p>Tot ce trebuie s\u0103 faci este s\u0103 ape\u0219i butonul de mai jos:<\/p>\n<p>\u00a0<\/p>\n<p><!-- \/wp:paragraph --><\/p><p class=\"has-text-centered\">\n\t    <a href=\"https:\/\/financer.ro\/companie\/hora-credit\/redirect\/\" rel=\"sponsored nofollow\" target=\"_blank\" class=\"button is-normal is-primary is-rounded is-large\">Aplic\u0103 acum! <\/a>\n\t<\/p><\/div>\n\n<h2 class=\"page-list__title\">Mai multe despre&nbsp;Credit nevoi personale<\/h2><ul class=\"list-pages\"><li class=\"page-list__item\"><a href=\"https:\/\/financer.ro\/credit\/credit-nevoi-personale\/refinantare-credit\/\" rel=\"bookmark\" title=\"Refinan\u021bare credit\">Ob\u021bine o refinan\u021bare credit chiar ast\u0103zi<\/a><\/li><\/ul>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Credit nevoi personale Un credit de nevoi personale, a\u0219a cum \u00eei spune \u0219i denumirea, este un \u00eemprumut caracterizat prin faptul\u2026 <\/p>\n","protected":false},"author":77,"featured_media":17481,"parent":753,"menu_order":0,"comment_status":"open","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":[41,527],"_links":{"self":[{"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/pages\/810"}],"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=810"}],"version-history":[{"count":50,"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/pages\/810\/revisions"}],"predecessor-version":[{"id":78323,"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/pages\/810\/revisions\/78323"}],"up":[{"embeddable":true,"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/pages\/753"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/media\/17481"}],"wp:attachment":[{"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/media?parent=810"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/categories?post=810"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/tags?post=810"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}