{"id":714,"date":"2021-01-08T11:30:53","date_gmt":"2021-01-08T08:30:53","guid":{"rendered":"https:\/\/www.cursvalutar.ro\/blog\/?p=714"},"modified":"2021-01-14T12:25:17","modified_gmt":"2021-01-14T09:25:17","slug":"refinantarea-unui-credit-ce-este-si-care-sunt-avantajele","status":"publish","type":"post","link":"https:\/\/www.cursvalutar.ro\/blog\/refinantarea-unui-credit-ce-este-si-care-sunt-avantajele\/","title":{"rendered":"Refinan\u021barea unui credit: ce este \u0219i care sunt avantajele"},"content":{"rendered":"

\"\"Cu to\u021bii suntem mult mai confortabili dec\u00e2t acum c\u00e2\u021biva ani cu toate produsele bancare de pe pia\u021b\u0103. Asta pentru c\u0103 nevoile noastre \u0219i tehnologia sunt mult mai avansate \u0219i diversificate. \u0218tim deja c\u00e2nd \u0219i cum s\u0103 acces\u0103m un credit<\/a> pentru planurile noastre m\u0103re\u021be, dar c\u00e2t de avantajos sun\u0103 refinan\u021barea acestuia?<\/p>\n

Pentru a \u0219ti care sunt cele mai potrivite solu\u021bii pentru tine, este bine s\u0103 fii informat despre toate posibilit\u0103\u021bile din pia\u021b\u0103, \u00eenainte s\u0103 \u00ee\u021bi planifici via\u021ba financiar\u0103.<\/p>\n

Ce este refinan\u021barea unui credit<\/h2>\n

Poate \u021bi-ai luat deja o locuin\u021b\u0103 cu ajutorul b\u0103ncii sau urmeaz\u0103 s\u0103 te implici \u00een programul Prima Cas\u0103. Nu este niciodat\u0103 t\u00e2rziu s\u0103 \u00ee\u021bi cuno\u0219ti oportunit\u0103\u021bile pentru noi achizi\u021bii, \u00een loc s\u0103 r\u0103m\u00e2i ancorat doar \u00een acest credit pentru c\u0103 rata nu \u00ee\u021bi permite mai mult. Sau poate e\u0219ti implicat deja \u00een mai multe rate lunare \u0219i nu \u00ee\u021bi permi\u021bi nimic \u00een plus.<\/p>\n

Refinan\u021barea unui credit reprezint\u0103 posibilitatea de a accesa un nou \u00eemprumut prin care s\u0103 \u00eel achi\u021bi pe cel vechi sau pe cele active (dac\u0103 ai mai multe), pe o nou\u0103 perioad\u0103 de timp care s\u0103 te ajute mai mult. Astfel \u021bi se recalculeaz\u0103 plata lunar\u0103 pe respectiva perioad\u0103, cu noi condi\u021bii contractuale (comision, dob\u00e2nd\u0103, etc) \u0219i po\u021bi s\u0103 r\u0103m\u00e2i chiar \u0219i cu o sum\u0103 extra \u00een buzunar.<\/p>\n

Dac\u0103 ai o rela\u021bie cu b\u0103ncile<\/a> diversificat\u0103 prin achizi\u021bia mai multor credite, mai ales la diferite institu\u021bii bancare, important de re\u021binut este c\u0103 po\u021bi refinan\u021ba oric\u00e2te contracte de credit, ob\u021binute \u00een diverse valute. Astfel \u00ee\u021bi mu\u021bi toate datoriile \u00eentr-un singur loc printr-un nou credit care \u00ee\u021bi acoper\u0103 datoriile \u0219i \u00ee\u021bi stabile\u0219ti din nou rata lunar\u0103 \u0219i perioada pentru care vei pl\u0103ti.<\/p>\n

Care sunt avantajele pentru refinan\u021barea unui credit<\/h2>\n

Pentru unii, refinan\u021barea unui credit poate da impresia de reluare a procesului de rela\u021bionare cu banca, care prima oar\u0103 poate fi mai durabil. Asta pentru c\u0103 \u00eencrederea se c\u00e2\u0219tig\u0103, sau se dovede\u0219te, prin documente justificative.<\/p>\n

Dar pentru al\u021bii, refinan\u021barea unui credit \u00eenseamn\u0103 oportunitatea continu\u0103 de a-\u0219i \u00eendeplini obiectivele financiare \u0219i de a-\u0219i oferi un stil de via\u021b\u0103 independent de economiile lunare agonisite.<\/p>\n

Un avantaj important este c\u0103 te scap\u0103 de haosul pl\u0103\u021bilor dac\u0103 ai credite la mai multe b\u0103nci. Poate fi dificil \u0219i stresant s\u0103 respec\u021bi ziua de plat\u0103 stabilit\u0103 la fiecare banc\u0103 \u0219i s\u0103 \u00ee\u021bi calculezi \u00eencas\u0103rile lunare astfel \u00eenc\u00e2t s\u0103 te asiguri c\u0103 ai bani \u00een cont la data scadent\u0103. Refinan\u021barea creditelor \u00ee\u021bi mut\u0103 datoria total\u0103 la o singur\u0103 banc\u0103, iar astfel te po\u021bi organiza o singur\u0103 dat\u0103 pe lun\u0103 pentru plata ratei.<\/p>\n

Un alt avantaj pentru refinan\u021barea unuia sau mai multor credite<\/a> este c\u0103 \u00ee\u021bi poate aduce \u00een buzunar o sum\u0103 extra. Dac\u0103 suma acordat\u0103 pe noul credit este mai mare dec\u00e2t totalul t\u0103u de plat\u0103 la creditul sau creditele deja active, asta \u00eenseamn\u0103 c\u0103 la achitarea lor r\u0103m\u00e2i cu ni\u0219te bani \u00een buzunar. Pe care \u00eei po\u021bi cheltui cum vrei tu.<\/p>\n

Rapiditatea \u00een acceptarea refinan\u021b\u0103rii unui credit este un atu important, pentru c\u0103 e\u0219ti deja trecut prin procesul de eligibilitate. La prima rela\u021bie contractual\u0103 cu banca, parcurgi un proces de verificare pentru a fi considerat eligibil \u00een acceptarea creditului solicitat. Av\u00e2nd deja unul sau mai multe credite active de care dore\u0219ti s\u0103 scapi, refinan\u021barea \u00ee\u021bi ofer\u0103 prioritate \u0219i rapiditate \u00een acceptarea solicit\u0103rii tale.<\/p>\n

Refinan\u021barea unui credit poate fi solu\u021bia ideal\u0103 pentru a te feri de o imagine negativ\u0103 la biroul de credit<\/a>. Poate via\u021ba ta actual\u0103 cuprinde mai mul\u021bi factori care \u00ee\u021bi consum\u0103 resurse financiare, iar rata la banc\u0103 \u021bi se pare mai greu de dus dec\u00e2t atunci c\u00e2nd ai accesat creditul. De ce s\u0103 ri\u0219ti \u00eent\u00e2rzieri consecutive de plat\u0103 c\u00e2nd po\u021bi alege o refinan\u021bare cu o rat\u0103 mai mic\u0103 pe o perioad\u0103 mai mare de timp?<\/p>\n

La fel ca \u0219i \u00een cazul imposibilit\u0103\u021bii de plat\u0103, refinan\u021barea unui credit este salvarea ta pentru c\u0103 te fere\u0219te de datorii personale acumulate din st\u00e2nga \u0219i din dreapta care pe pot afunda mai tare. De ce s\u0103 \u00ee\u021bi complici via\u021ba financiar\u0103 c\u00e2nd po\u021bi alege refinan\u021barea unui credit cu o rat\u0103 mai mic\u0103 pe o nou\u0103 perioad\u0103 de timp?<\/p>\n

Refinan\u021barea unui credit \u00ee\u021bi las\u0103 economiile disponibile pentru alte planuri. Te descurci foarte bine cu plata sau pl\u0103\u021bile lunare \u0219i ai reu\u0219it s\u0103 pui \u0219i bani deoparte. De ce s\u0103 \u00eei cheltui<\/a> pe o nou\u0103 canapea sau o ma\u0219in\u0103, c\u00e2nd po\u021bi alege refinan\u021barea unui credit , iar cu economiile s\u0103 pleci \u00eentr-o super vacan\u021b\u0103?<\/p>\n

Institu\u021biile bancare au devenit foarte prietenoase \u0219i deschise c\u0103tre rela\u021biile personalizate cu clien\u021bii. De aceea fiecare dintre ele vine cu tot felul de condi\u021bii avantajoase \u0219i tentante. Motiv pentru care este bine s\u0103 studiezi toate ofertele \u0219i s\u0103 alegi banca potrivit\u0103 pentru tine.<\/p>\n","protected":false},"excerpt":{"rendered":"

Afl\u0103 tot ce ai nevoie s\u0103 \u0219tii despre refinan\u021barea unuia sau mai multor credite: ce este refinan\u021barea, cum \u00ee\u021bi centralizeaz\u0103 datoriile la o singur\u0103 banc\u0103 \u0219i care sunt avantajele pe care le ofer\u0103.<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[],"class_list":["post-714","post","type-post","status-publish","format-standard","hentry","category-educatie-financiara"],"yoast_head":"\nRefinan\u021barea unui credit: ce este \u0219i care sunt avantajele - Blog CursValutar.ro<\/title>\n<meta name=\"description\" content=\"Intr\u0103 pe cursvalutar.ro \u0219i afl\u0103 cum po\u021bi sc\u0103pa de toate ratele bancare cu o singur\u0103 plat\u0103 lunar\u0103. 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Urm\u0103resc cu aten\u021bie ecosistemul startup-urilor \u0219i acop\u0103r subiecte diverse ce \u021bin de educa\u021bie financiar\u0103, lifestyle \u0219i c\u0103l\u0103torii, antreprenoriat, e-commerce & digital marketing. \u00cemi place s\u0103 documentez temeinic fiecare subiect \u0219i s\u0103 scriu pe \u00een\u021belesul tuturor, astfel adaptez textele c\u00e2t s\u0103 le poat\u0103 \u00een\u021belege \u0219i bunica mea. :) Cred cu t\u0103rie c\u0103 informa\u021bia \u00eenseamn\u0103 putere, iar \u00eenv\u0103\u021barea este un proces care nu ar trebui s\u0103 se opreasc\u0103 niciodat\u0103. Mai multe detalii despre mine \u0219i date de contact g\u0103se\u0219ti pe profilul de Linkedin","sameAs":["https:\/\/ro.linkedin.com\/in\/nataliamanolescu"],"url":"https:\/\/www.cursvalutar.ro\/blog\/author\/natalia-manolescu\/"}]}},"_links":{"self":[{"href":"https:\/\/www.cursvalutar.ro\/blog\/wp-json\/wp\/v2\/posts\/714","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.cursvalutar.ro\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.cursvalutar.ro\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.cursvalutar.ro\/blog\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.cursvalutar.ro\/blog\/wp-json\/wp\/v2\/comments?post=714"}],"version-history":[{"count":3,"href":"https:\/\/www.cursvalutar.ro\/blog\/wp-json\/wp\/v2\/posts\/714\/revisions"}],"predecessor-version":[{"id":719,"href":"https:\/\/www.cursvalutar.ro\/blog\/wp-json\/wp\/v2\/posts\/714\/revisions\/719"}],"wp:attachment":[{"href":"https:\/\/www.cursvalutar.ro\/blog\/wp-json\/wp\/v2\/media?parent=714"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.cursvalutar.ro\/blog\/wp-json\/wp\/v2\/categories?post=714"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.cursvalutar.ro\/blog\/wp-json\/wp\/v2\/tags?post=714"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}