{"id":19373,"date":"2021-03-22T20:50:20","date_gmt":"2021-03-22T20:50:20","guid":{"rendered":"https:\/\/senhorpanda.com\/?p=19373"},"modified":"2021-03-22T20:50:23","modified_gmt":"2021-03-22T20:50:23","slug":"emprestimo-com-garantia-de-imovel-vale-a-pena","status":"publish","type":"post","link":"https:\/\/senhorpanda.com\/ro\/emprestimo-com-garantia-de-imovel-vale-a-pena\/","title":{"rendered":"Merit\u0103 un \u00eemprumut garantat?"},"content":{"rendered":"<!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"0-conhe%C3%A7a-melhor-esse-produto-financeiro-\"><strong>Afla\u021bi mai multe despre acest produs financiar<\/strong><\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Conhe\u00e7a!\"  id=\"19376\" src=\"https:\/\/ucarecdn.com\/1aaa0848-d883-424c-b8d6-858738764d17\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >\u00cent\u00e2lni!<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u0218tim c\u0103 pe pia\u021ba financiar\u0103 brazilian\u0103 apar tot mai multe tipuri de \u00eemprumuturi cu condi\u021bii speciale. \u00cens\u0103 pentru cei care au dificult\u0103\u021bi \u00een ob\u021binerea creditului personal, poate fi interesant s\u0103 parieze pe alternative precum un \u00eemprumut cu garan\u021bie a propriet\u0103\u021bii. \u0218i \u0219tia\u021bi deja acest produs financiar?<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dup\u0103 cum sugereaz\u0103 \u0219i numele, acest tip de \u00eemprumut difer\u0103 de creditul personal conven\u021bional datorit\u0103 existen\u021bei unei garan\u021bii. \u0218i \u00een acest caz, garan\u021bia este o proprietate. Astfel, persoanele cu scor de credit negativ sau sc\u0103zut pot accesa mai u\u0219or creditul personal.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Deci, ai fost curios s\u0103 afli mai multe despre \u00eemprumutul cu garan\u021bie a propriet\u0103\u021bii? Ei bine, nu v\u0103 face\u021bi griji, continua\u021bi s\u0103 citi\u021bi articolul nostru pe care l-am preg\u0103tit special pentru a v\u0103 ajuta s\u0103 \u00een\u021belege\u021bi mai bine acest produs financiar.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>A\u0219adar, verific\u0103 mai jos toate informa\u021biile pe care le-am adunat pentru tine!<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"1-o-que-%C3%A9-um-empr%C3%A9stimo-com-garantia-\"><strong>Ce este un \u00eemprumut garantat?<\/strong><\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"O que \u00e9?\"  id=\"19377\" src=\"https:\/\/ucarecdn.com\/f30bf201-4b60-486c-8427-9eb16db74510\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Ce este?<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Practic, efectuarea unei cereri de credit garantat \u00eenseamn\u0103 ob\u021binerea unei sume de \u00eemprumut prin plasarea unui bun personal ca form\u0103 de garan\u021bie pentru suma pe care institu\u021bia financiar\u0103 \u021bi-o va acorda. Prin urmare, \u00eemprumutul garantat face parte din aceast\u0103 categorie.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u0218i acest tip de \u00eemprumut este cunoscut \u0219i sub denumirea de refinan\u021bare a propriet\u0103\u021bii, deoarece accept\u0103 o proprietate care nu a fost \u00eenc\u0103 pl\u0103tit\u0103 drept garan\u021bie. Adic\u0103, \u00een loc s\u0103 treac\u0103 printr-o analiz\u0103 mai minu\u021bioas\u0103 a creditului, clientul \u00ee\u0219i pune activul drept garan\u021bie c\u0103 \u00eemprumutul va fi pl\u0103tit \u00eentr-un fel sau altul.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Astfel, clientul \u00ee\u0219i va vinde bunul, \u00een acest caz o proprietate, c\u0103tre institu\u021bia financiar\u0103 care va elibera sumele \u00eemprumutului. \u00cen acest fel, clientul poate ob\u021bine banii mai rapid \u0219i cu dob\u00e2nzi mai mici. Dar exist\u0103 \u00eentotdeauna mai multe riscuri \u00een plasarea unui activ ca garan\u021bie.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pentru c\u0103 bunul t\u0103u poate fi luat de institu\u021bia financiar\u0103 \u00een caz de neplat\u0103, apoi v\u00e2ndut la licita\u021bie pentru a reduce valoarea datoriei tale. Dar cum func\u021bioneaz\u0103 exact un \u00eemprumut ca garan\u021bie a propriet\u0103\u021bii?<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cemprumuturile garantate cu imobiliare nu sunt cel mai comun tip de credit personal \u00een Brazilia, dar ele exist\u0103 \u0219i pot fi folosite. \u0218i asta se datoreaz\u0103 temerii oamenilor c\u0103 v\u00e2nzarea propriet\u0103\u021bii lor pentru un \u00eemprumut ar fi la fel cu ipoteca.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dar nu a\u0219a func\u021bioneaz\u0103 \u00eemprumutul garantat. Deci, acum s\u0103 \u00een\u021belegem mai bine ce este aceast\u0103 linie de credit personal\u0103 \u0219i cum func\u021bioneaz\u0103.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u0218i asta v\u0103 vom spune \u00een continuare. A\u0219adar, r\u0103m\u00e2i cu noi \u0219i verific\u0103-l!<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-Z1DzB4e\">\n  <section class=\"cta mx-5 sm:mx-0 text-gray-600 body-font my-10 border-gray-200 border-b border-l border-r sm:border-0\">\n    <div class=\"h-1 bg-gray-200 rounded overflow-hidden\">\n      <div class=\"w-24 h-full\"><\/div>\n    <\/div>\n    <div class=\"container px-5 pt-6 pb-6 mx-auto flex flex-wrap\" data-anchor-target=\"lazyBlock\">    \n    \n              <a class=\"flex flex-wrap content-center w-full mb-4 md:hidden\" href=\"https:\/\/senhorpanda.com\/ro\/como-solicitar-emprestimo-pessoal-para-negativado\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Cum s\u0103 aplici pentru un \u00eemprumut personal pentru negativ\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/senhorpanda.com\/wp-content\/uploads\/2021\/03\/blue-1702287_1280-1.jpg\" alt=\"\">\n          <\/div>\n        <\/a>\n            <h2 class=\"w-full sm:text-3xl text-2xl text-gray-900 font-medium title-font mb-2 text-center md:text-left md:w-2\/5\">\n        <a href=\"https:\/\/senhorpanda.com\/ro\/como-solicitar-emprestimo-pessoal-para-negativado\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Cum s\u0103 aplici pentru un \u00eemprumut personal pentru negativ\">\n            Cum s\u0103 aplici pentru un \u00eemprumut personal pentru negativ        <\/a>\n      <\/h2>\n      <div class=\"w-full md:w-3\/5 md:pl-6\">\n        <p class=\"text-center md:text-left leading-relaxed text-base\">\n            Ai nevoie urgent\u0103 de bani, dar ai un nume murdar? Fi\u021bi siguri! Afla\u021bi mai multe despre \u00eemprumutul negativ citind textul \u00een \u00eentregime.        <\/p>\n        <div class=\"flex mt-6 w-full flex-1 justify-center ml-auto md:mt-4 md:justify-start\" style=\"font-weight: bold;\">\n          <a class=\"inline-flex items-center\" href=\"https:\/\/senhorpanda.com\/ro\/como-solicitar-emprestimo-pessoal-para-negativado\/\"  data-analytics-label=\"ctaButton\" data-action=\"analytics#trackCTA\" >\n            Continua s\u0103 cite\u0219ti            <svg fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" class=\"w-4 h-4 ml-2\" viewbox=\"0 0 24 24\">\n              <path d=\"M5 12h14M12 5l7 7-7 7\"><\/path>\n            <\/svg>\n          <\/a>\n        <\/div>\n      <\/div>  \n          \n    <\/div>\n      <script type=\"module\"> function waitFor(conditionFunction) { const poll = resolve => { if(conditionFunction()) resolve(); else setTimeout(_ => poll(resolve), 400); }; return new Promise(poll); } import { Application, Controller } from \"\/wp-content\/themes\/twentytwentyone\/assets\/js\/stimulus.min.js\"; let Stimulus = Application.start(); Stimulus.register(\"anchor\", class extends Controller { static get targets() { return [ \"lazyBlock\", \"lazyBlockAnchor\" ]; } initialize() { this.active = false; this.passed = false; this.closed = false; this.anchorViews = 0; this.boundOnShowAnchor = this.onShowAnchor.bind(this); window.anchorReady = window.anchorReady || false; waitFor(_ => (window.scrollY > this.getHeightBlock() && !this.active)) .then(_ => { !window.anchorReady? this.visible() : ''; window.anchorReady = true; }); if (document.getElementById('landing')) { setTimeout(() => { !window.anchorReady ? this.visible() : ''; window.anchorReady = true; }, 1 * 30000); }; } connect() { this.onShowAnchor(); document.addEventListener(\"scroll\", this.boundOnShowAnchor); } disconnect() { document.removeEventListener(\"scroll\", this.boundOnShowAnchor); } visible() { if (document.getElementById('av-offerwall__wrapper')) { setTimeout(() => this.visible(), 20000); return; } if (document.getElementById('av-fixed__bottomWrapper') && document.getElementById('av-fixed__bottomWrapper').style.display !== 'none') { this.getAnchorElement().style.marginBottom = '60px'; } if (!window.km2AnchorReady) { this.active = true; \/*this.getAnchorElement().style.animation = \"none\"; this.getAnchorElement().classList.remove('animate-show-down');*\/ \/*this.getAnchorElement().classList.add('animate-show-up');*\/ \/*setTimeout(() => {*\/ \/*this.getAnchorElement().style.animation = \"\";*\/ this.getAnchorElement().classList.add('animate-show-up'); this.getAnchorElement().classList.remove('hidden'); this.setAnchorViews(this.anchorViews+1); setTimeout(() => this.closeAnchor(), 20000); this.active = false; \/*}, 10);*\/ } } invisible() { this.active = true; this.getAnchorElement().style.animation = \"none\"; this.getAnchorElement().classList.remove('animate-show-up'); this.getAnchorElement().classList.add('animate-show-down'); setTimeout(() => { this.getAnchorElement().style.animation = \"\"; setTimeout(() => { this.getAnchorElement().classList.add('hidden'); this.active = false; }, 800); }, 10); } onShowAnchor() { let anchorReady = false;  \/*if (!this.active && !anchorReady) { if (this.getAnchorViews() <= 3) { if (window.scrollY > this.getHeightBlock()) { if (!this.passed && !this.closed) { this.visible(); this.passed = true; } } else { if (this.passed) { this.invisible(); this.passed = false; } } } else { if (!this.getAnchorElement().classList.contains('close')) { this.getAnchorElement().classList.add('close'); if (window.scrollY < this.getHeightBlock()) { this.invisible(); } } } }*\/ } closeAnchor() { this.invisible(); this.getAnchorElement().classList.add('close'); this.closed = true; } getAnchorElement() { return this.lazyBlockAnchorTargets[0]; } getAnchorViews() { this.anchorViews = parseInt(sessionStorage.getItem(\"anchorViews\")) >= 1 ? parseInt(sessionStorage.getItem(\"anchorViews\")) : 0; return this.anchorViews; } setAnchorViews(views) { sessionStorage.setItem(\"anchorViews\", views); } getHeightBlock() { return this.lazyBlockTarget.offsetTop + this.lazyBlockTarget.offsetHeight - 110; } }) <\/script>  <div data-anchor-target=\"lazyBlockAnchor\" class=\"fixed w-full sm:w-96 px-3 py-2 bottom-0 left-0 hidden\" style=\"z-index: 999999;\" name=\"lazyBlockAnchor\">\n    <div class=\"grid justify-items-stretch\">        \n              <div class=\"relative justify-self-end top-4 -right-2\">\n          <button class=\"bg-white text-md font-medium text-center rounded-full h-7 w-7 border-2\" data-analytics-label=\"anchorCloseAnchor\" data-action=\"anchor#closeAnchor\" style=\"z-index: 999999;\">\n            X\n          <\/button>\n        <\/div>\n        <div class=\"justify-self-auto flex flex-col h-32 bg-white border-solid border-2 shadow-md rounded-md\">\n          <div class=\"flex my-0 h-full\">\n            <div class=\"w-2\/5 p-1 ml-2 mt-2 w-full\">\n              <a href=\"https:\/\/senhorpanda.com\/ro\/como-solicitar-emprestimo-pessoal-para-negativado\/\"  data-analytics-label=\"anchorImage\" data-action=\"analytics#trackCTA\">          \n                <img loading=\"lazy\" alt=\"card\" class=\"w-full object-cover h-24 object-center rounded justify-self-auto border-2 border-gray-100\" src=\"https:\/\/senhorpanda.com\/wp-content\/uploads\/2021\/03\/blue-1702287_1280-1.jpg\">          \n              <\/a>\n            <\/div>\n            <div class=\"w-3\/5 my-2\">\n              <p class=\"px-4 text-center text-xs h-1\/2\">\n                Cum s\u0103 aplici pentru un \u00eemprumut personal pentru negativ              <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/ro\/como-solicitar-emprestimo-pessoal-para-negativado\/\"  data-analytics-label=\"anchorButton\" data-action=\"analytics#trackCTA\" >\n                <button class=\"flex w-5\/6 m-auto mt-2 border-0 py-1 px-3 focus:outline-none rounded\">                \n                  <p class=\"text-center w-full\" style=\"font-size: 0.67rem;\">\n                    Continua s\u0103 cite\u0219ti                  <\/p>\n                <\/button>\n              <\/a>\n              <p class=\"text-gray-500 text-center mt-1\" style=\"font-size: 0.50rem;\">\n                Ve\u021bi r\u0103m\u00e2ne pe acela\u0219i site              <\/p>\n            <\/div>\n          <\/div>\n        <\/div>\n          <\/div>\n  <\/div>\n  <\/section>\n\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"2-como-funciona-o-empr%C3%A9stimo-com-garantia-de-im%C3%B3vel-\"><strong>Cum func\u021bioneaz\u0103 un \u00eemprumut cu capital propriu?<\/strong><\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Como funciona?\"  id=\"19378\" src=\"https:\/\/ucarecdn.com\/0bef2f7c-2e61-4f8e-93b9-e631f5786594\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Cum functioneaza?<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Practic, acest tip de credit se bazeaz\u0103 pe dorin\u021ba individului de a ob\u021bine un credit cu condi\u021bii mai bune de dob\u00e2nd\u0103 \u0219i termene de plat\u0103. \u0218i, pentru asta, persoana plaseaz\u0103 un imobil ca modalitate de a garanta institu\u021biei financiare c\u0103 datoria de la \u00eemprumut va fi pl\u0103tit\u0103.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pentru c\u0103, \u00een caz contrar, institu\u021bia financiar\u0103 are tot dreptul s\u0103 ia proprietatea persoanei care a r\u0103mas \u00een neregul\u0103, \u0219i s\u0103 o v\u00e2nd\u0103 la licita\u021bie pentru a acoperi datoria. Adic\u0103 ob\u021bii condi\u021bii mai bune, dar proprietatea ta va fi v\u00e2ndut\u0103 institu\u021biei financiare creditoare, deci implic\u0103 riscuri mai mari pentru capitalul t\u0103u propriu.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Astfel, dac\u0103 contracta\u021bi un \u00eemprumut cu garan\u021bie a propriet\u0103\u021bii, dar nu v\u0103 \u00eendeplini\u021bi partea din contract, institu\u021bia financiar\u0103 poate pur \u0219i simplu s\u0103 pretind\u0103 dreptul de proprietate asupra propriet\u0103\u021bii dumneavoastr\u0103 direct la oficiul registrului imobiliar. \u0218i \u00eentregul proces se poate \u00eent\u00e2mpla rapid, \u00een mai pu\u021bin de o lun\u0103.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Adic\u0103 \u00eemprumutul cu garan\u021bie de proprietate este mult mai sigur pentru institu\u021bia financiar\u0103. \u0218i de aceea clientul prime\u0219te o reducere semnificativ\u0103 a dob\u00e2nzilor \u0219i a termenului de achitare a creditului.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dar pentru asta, trebuie s\u0103 treci printr-o analiz\u0103 de credit \u0219i s\u0103 \u00eenregistrezi contractul la notar. \u0218i proprietatea ta este v\u00e2ndut\u0103 b\u0103ncii, dar po\u021bi continua s\u0103 te bucuri de ea ca \u00eenainte, pur \u0219i simplu nu po\u021bi vinde sau schimba propriet\u0103\u021bi cu altcineva.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen plus, proprietatea dumneavoastr\u0103 trebuie s\u0103 fie supus\u0103 unei inspec\u021bii pentru ca banca s\u0103 cunoasc\u0103 valoarea real\u0103 \u0219i s\u0103 calculeze creditul care va fi acordat. De asemenea, este necesar s\u0103 trimite\u021bi documenta\u021bia propriet\u0103\u021bii. \u0218i ve\u021bi putea folosi proprietatea dumneavoastr\u0103 sau a ter\u021bilor.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"3-quais-as-vantagens-do-empr%C3%A9stimo-com-garantia-de-im%C3%B3vel-\"><strong>Care sunt beneficiile unui \u00eemprumut garantat pentru locuin\u021b\u0103?<\/strong><\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Vantagens\"  id=\"19379\" src=\"https:\/\/ucarecdn.com\/614f7cdc-75c9-45cc-a5d2-3e02c92e88d7\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Beneficii<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>In general, un credit cu garantie imobiliara poate fi foarte avantajos pentru cei care cauta conditii mai bune in acordarea creditului personal. Pentru c\u0103 cu garan\u021bie, dob\u00e2nzile scad semnificativ, termenele maxime de plat\u0103 extinse \u00een func\u021bie de suma total\u0103 a creditului.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>De exemplu, cu un \u00eemprumut garantat, po\u021bi conta pe urm\u0103toarele condi\u021bii:<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Ratele dob\u00e2nzilor apropiate de 1% pe lun\u0103 \u0219i 12% pe an;<\/li><li>\u00cemprumuturi \u00een valoare total\u0103 de p\u00e2n\u0103 la 60% din valoarea real\u0103 a propriet\u0103\u021bii pe care o ceda\u021bi ca garan\u021bie de credit;<\/li><li>Procentul poate fi mai mare pentru propriet\u0103\u021bile reziden\u021biale \u0219i, \u00een general, va fi mai mic pentru propriet\u0103\u021bile comerciale;<\/li><li>Valoarea limit\u0103 pentru \u00eemprumuturile cu garan\u021bie a propriet\u0103\u021bii este de p\u00e2n\u0103 la 3 milioane de reale. Prin urmare, nu are rost s\u0103 oferi o proprietate care s\u0103 permit\u0103 un \u00eemprumut mai mare dec\u00e2t at\u00e2t.<\/li><li>Perioada de plat\u0103 a datoriei variaz\u0103 \u00eentre 10 \u0219i 20 de ani;<\/li><li>Ratele pot fi de tip Tabel de pre\u021buri (rate fixe) sau rate descresc\u0103toare (Tabel SAC).<\/li><\/ul>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u0218i un alt avantaj este faptul c\u0103, dup\u0103 evaluarea \u0219i inspec\u021bia propriet\u0103\u021bii tale, \u00een caz de aprobare, banii \u00eemprumutului \u00ee\u021bi cad direct \u00een cont \u00een c\u00e2teva zile. De asemenea, pute\u021bi folosi aceste valori dup\u0103 cum dori\u021bi, fie pentru a pl\u0103ti datorii, pentru a c\u0103l\u0103tori, pentru a v\u0103 renova casa, orice dori\u021bi.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"4-quais-as-desvantagens-do-empr%C3%A9stimo-com-garantia-de-im%C3%B3vel-\"><strong>Care sunt dezavantajele \u00eemprumutului garantat?<\/strong><\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Desvantagens\"  id=\"19380\" src=\"https:\/\/ucarecdn.com\/eda3eddf-34bb-4e74-b427-0b5bef391f44\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Dezavantaje<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Unul dintre dezavantajele \u00eemprumutului garantat este c\u0103 nu merit\u0103 dac\u0103 valoarea creditului personal este foarte mic\u0103. Pentru c\u0103 este o linie de credit destinat\u0103 celor care au nevoie de sume mari \u0219i termene lungi de plat\u0103.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen plus, procesul de acordare a acestui tip de \u00eemprumut poate ajunge s\u0103 coste ceva bani \u0219i s\u0103 devin\u0103 mai birocratic dec\u00e2t alte linii de credit. Pentru c\u0103 exist\u0103 mai multe taxe notariale, costuri de \u00eenregistrare pentru cedarea bunului c\u0103tre banc\u0103, pe l\u00e2ng\u0103 plata pentru evaluarea valorii reale a propriet\u0103\u021bii dumneavoastr\u0103.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u0218i exist\u0103 \u0219i riscuri ca proprietatea dumneavoastr\u0103 s\u0103 fie preluat\u0103 foarte rapid de c\u0103tre institu\u021bie \u00een caz de neplat\u0103. Prin urmare, dac\u0103 nu v\u0103 permite\u021bi ratele, trebuie s\u0103 \u00eencerca\u021bi s\u0103 v\u0103 renegocia\u021bi datoria c\u00e2t mai cur\u00e2nd posibil.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"5-quais-im%C3%B3veis-s%C3%A3o-aceitos-\"><strong>Ce propriet\u0103\u021bi sunt acceptate?<\/strong><\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Im\u00f3veis aceitos\"  id=\"19381\" src=\"https:\/\/ucarecdn.com\/4ec0717d-2dec-4200-bdd3-ef1260238584\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >propriet\u0103\u021bi acceptate<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dup\u0103 cum am spus, at\u00e2t propriet\u0103\u021bile reziden\u021biale, c\u00e2t \u0219i cele comerciale, care sunt pl\u0103tite, pot fi acceptate \u0219i pute\u021bi locui \u00een el sau le pute\u021bi \u00eenchiria altcuiva. \u0218i nu trebuie neap\u0103rat s\u0103 fie pe numele persoanei care solicit\u0103 \u00eemprumutul \u0219i pot folosi propriet\u0103\u021bile unor ter\u021bi pentru a solicita credit personal.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Cu toate acestea, suma \u00eemprumutului nu poate dep\u0103\u0219i 3 milioane de reale. Prin urmare, propriet\u0103\u021bile cu valoare real\u0103 care dep\u0103\u0219esc acest plafon nu se \u00eencadreaz\u0103 \u00een aceast\u0103 categorie la unele institu\u021bii financiare. Sau dac\u0103 accept\u0103, nu vor ridica plafonul creditului cu garan\u021bie a propriet\u0103\u021bii.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen plus, \u00een iunie 2020, Banca Central\u0103 a anun\u021bat noi reguli pentru bunurile imobiliare care pot fi plasate ca garan\u021bie \u00een \u00eemprumuturi de acest tip. \u0218i cu asta, inten\u021bioneaz\u0103 s\u0103 fac\u0103 acest tip de credit mai utilizat \u00een Brazilia.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>A\u0219adar, consulta\u021bi noile reguli pe care institu\u021biile financiare le pot accepta pentru un contract de \u00eemprumut cu garan\u021bie de proprietate:<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Locuin\u021bele care sunt \u00een finan\u021bare pot fi eligibile pentru \u00eemprumut cu garan\u021bie a propriet\u0103\u021bii;<\/li><li>De asemenea, pute\u021bi folosi imobile pe care le-a\u021bi achitat deja drept garan\u021bie pentru mai multe \u00eemprumuturi deodat\u0103, \u00eemp\u0103r\u021bind valoarea total\u0103 a propriet\u0103\u021bii \u00eentre contracte;<\/li><\/ul>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Adic\u0103 exist\u0103 multe posibilit\u0103\u021bi pentru cei care de\u021bin o proprietate, fie c\u0103 este reziden\u021bial\u0103, comercial\u0103, pl\u0103tit\u0103 sau finan\u021bat\u0103. Prin urmare, g\u00e2ndi\u021bi-v\u0103 cu aten\u021bie la \u00eentregul proces pentru a v\u0103 asigura \u00eemprumutul pentru locuin\u021b\u0103 \u0219i apoi asigura\u021bi-v\u0103 c\u0103 g\u0103si\u021bi o institu\u021bie financiar\u0103 de \u00eencredere care s\u0103 semneze contractul.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dar \u0219ti\u021bi ce institu\u021bii financiare ofer\u0103 acest tip de credit personal? A\u0219a c\u0103 citi\u021bi mai departe \u0219i consulta\u021bi lista noastr\u0103 de mai jos.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"6-qual-banco-faz-empr%C3%A9stimo-com-garantia-de-im%C3%B3vel-\"><strong>Ce banc\u0103 acord\u0103 \u00eemprumut cu garan\u021bie de proprietate?<\/strong><\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Onde fazer\"  id=\"19382\" src=\"https:\/\/ucarecdn.com\/b54d2709-3edc-4b6b-b82d-e3952e3f6668\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >unde sa faci<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen\u021belegerea care este cea mai bun\u0103 banc\u0103 pentru a v\u0103 face \u00eemprumutul cu garan\u021bie de proprietate este unul dintre cei mai importan\u021bi pa\u0219i \u00een \u00eentregul proces de solicitare a creditului. <\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Prin urmare, pentru a v\u0103 ajuta \u00een aceast\u0103 sarcin\u0103, am adunat op\u021biuni bune care realizeaz\u0103 acest tip de \u00eemprumut. \u0218i pe lista noastr\u0103 avem de la principalele b\u0103nci tradi\u021bionale din Brazilia, p\u00e2n\u0103 la fintech-uri care au \u00eenceput recent s\u0103 parieze pe acest tip de \u00eemprumut.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>A\u0219adar, dac\u0103 sunte\u021bi deja complet sigur c\u0103 aplica\u021bi pentru un \u00eemprumut cu garan\u021bie de proprietate, asigura\u021bi-v\u0103 c\u0103 verifica\u021bi lista noastr\u0103 de b\u0103nci care ofer\u0103 aceast\u0103 linie de credit. Verific\u0103-l mai jos.&nbsp;<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3 id=\"7-fintechs-\">fintech-uri <\/h3>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Fintechs\"  id=\"19383\" src=\"https:\/\/ucarecdn.com\/384a6eb6-fd53-4a57-9bfc-b3ca44aa2cc4\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >fintech-uri<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Mul\u021bi fintech-uri \u0219i startup-uri de pe pia\u021ba financiar\u0103 brazilian\u0103 au \u00eenceput recent s\u0103 parieze pe \u00eemprumuturi cu garan\u021bii imobiliare. Cunoscut \u0219i sub numele de capital propriu, acest tip de credit a \u00eenceput s\u0103 devin\u0103 principalul produs financiar al mai multor companii din sector, pentru a concura cu b\u0103ncile tradi\u021bionale.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u0218i asta se \u00eent\u00e2mpl\u0103 pentru c\u0103 \u00eemprumutul cu garan\u021bie a propriet\u0103\u021bii nu este \u00eenc\u0103 foarte popular \u00een Brazilia, dar este deja promi\u021b\u0103tor \u00een ceea ce prive\u0219te cre\u0219terea. A\u0219adar, consulta\u021bi c\u00e2teva fintech-uri care ofer\u0103 aceast\u0103 linie de credit cu o garan\u021bie:<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>CashMe;<\/li><li>CrediHome;<\/li><li>Pod;<\/li><li>Kenlo;<\/li><li>Bcredi;<\/li><li>Credite.<\/li><\/ul>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u0218i aceste startup-uri aloc\u0103 un volum mare de resurse modalit\u0103\u021bii, cu accent pe garantarea unei linii de credit mai practice \u0219i cu mai pu\u021bin\u0103 birocra\u021bie dec\u00e2t ofer\u0103 \u00een general b\u0103ncile tradi\u021bionale.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Astfel, fintech-urile precum Kenlo ofer\u0103 o platform\u0103 digital\u0103 pe care clientul poate derula contracte \u0219i urm\u0103ri \u00eentregul proces de \u00eemprumut.Bcredi, de exemplu, se concentreaz\u0103 pe garantarea unor dob\u00e2nzi lunare mai mici \u00een compara\u021bie cu b\u0103ncile tradi\u021bionale, pe l\u00e2ng\u0103 un proces integral online \u0219i mai putin birocratic.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u0218i, printre aceste op\u021biuni, Creditas percepe dob\u00e2nd\u0103 de 0,75% pe lun\u0103, \u00eemprumut\u00e2nd \u00eentre 30.000 \u0219i 3 milioane de reale, cu termene de achitare a datoriilor \u00een p\u00e2n\u0103 la 240 de luni! Pontte, care este specializat\u0103 \u00een creditare, percepe o tax\u0103 de 0,79% pe lun\u0103 plus corec\u021bia IPCA.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3 id=\"8-bancos-tradicionais\">b\u0103nci tradi\u021bionale<\/h3>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Bancos tradicionais\"  id=\"19384\" src=\"https:\/\/ucarecdn.com\/1ce0b17d-20e6-48ec-acf5-24b6ec01e059\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >b\u0103nci tradi\u021bionale<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dintre b\u0103ncile tradi\u021bionale, Caixa Econ\u00f4mica Federal este cea cu cel mai mare procent de cot\u0103 de pia\u021b\u0103 pe pia\u021ba de credit garantat, cu aproximativ 32% de cot\u0103. \u0218i, \u00een 2020, Caixa a anun\u021bat o \u00eentreag\u0103 revitalizare a acestui tip de credit, cu Renda F\u00e1cil Caixa.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Renda F\u00e1cil Caixa permite clientului s\u0103 solicite un \u00eemprumut cu garan\u021bie imobiliar\u0103 \u0219i s\u0103 aleag\u0103 cum s\u0103 actualizeze ratele de credit: prin Rata de Referin\u021b\u0103 (TR), prin Indicele Infla\u021biei Consumatorului (IPCA) sau printr-o rat\u0103 fix\u0103.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>O alt\u0103 banc\u0103 tradi\u021bional\u0103 care investe\u0219te \u00een acest tip de credit este Santander. \u0218i pentru asta, banca a creat SIM, propriul fintech specializat \u00een credit personal. Cu rate ale dob\u00e2nzii de 1.79% pe lun\u0103 \u0219i termene de rate de p\u00e2n\u0103 la 60 de luni. \u00cen plus, limita de credit ajunge la 50 de mii de reale, concentr\u00e2ndu-se pe persoane fizice, micro-\u00eentreprinz\u0103tori \u0219i companii mici.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h4 id=\"9-bancos-e-tarifas\">B\u0103nci \u0219i tarife<\/h4>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Bancos e tarifas\"  id=\"19385\" src=\"https:\/\/ucarecdn.com\/85e410e1-4590-4b79-b5fb-86fad08d92ec\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >B\u0103nci \u0219i tarife<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dar pentru ca tu s\u0103 \u00een\u021belegi mai bine, am f\u0103cut o list\u0103 cu principalele b\u0103nci tradi\u021bionale care ofer\u0103 credite cu garan\u021bie imobiliar\u0103, precum \u0219i taxele acestora:<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li><strong>Cutie:<\/strong> Op\u021biune cu IPCA+ de la 0,60% pe lun\u0103 cu termen de plat\u0103 de p\u00e2n\u0103 la 180 de luni \u0219i p\u00e2n\u0103 la 50% din valoarea propriet\u0103\u021bii. Exist\u0103 \u0219i o op\u021biune cu TR+ de la 0,70% pe lun\u0103 cu o perioad\u0103 de plat\u0103 de p\u00e2n\u0103 la 180 de luni \u0219i p\u00e2n\u0103 la 60% din valoarea propriet\u0103\u021bii. Sau op\u021biune cu tarif fix + de la 0,80% pe lun\u0103 cu o perioad\u0103 de plat\u0103 de p\u00e2n\u0103 la 180 de luni \u0219i p\u00e2n\u0103 la 60% din valoarea propriet\u0103\u021bii<\/li><li>eu<strong>tau: <\/strong>rata de 0,94% pe lun\u0103 + TR \u0219i termen de 10 ani de plat\u0103 \u0219i p\u00e2n\u0103 la 60% din valoarea propriet\u0103\u021bii. \u00cen plus, banca a lansat \u0219i op\u021biunea de a solicita credit folosind o proprietate pe care a\u021bi finan\u021bat-o drept garan\u021bie, cu dob\u00e2nd\u0103 de la 0,56% pe lun\u0103.<\/li><li><strong>Santander:<\/strong> tarif de 1% pe lun\u0103 + termen de p\u00e2n\u0103 la 20 de ani cu o limit\u0103 de 60% din valoarea propriet\u0103\u021bii<\/li><\/ul>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p><strong>Banca Braziliei:<\/strong> rata de 0,78% pe lun\u0103 + termen de p\u00e2n\u0103 la 238 de luni \u0219i suma minim\u0103 a creditului de 35 mii de reale.<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-ZJ9zAz\">\n  <section class=\"cta mx-5 sm:mx-0 text-gray-600 body-font my-10 border-gray-200 border-b border-l border-r sm:border-0\">\n    <div class=\"h-1 bg-gray-200 rounded overflow-hidden\">\n      <div class=\"w-24 h-full\"><\/div>\n    <\/div>\n    <div class=\"container px-5 pt-6 pb-6 mx-auto flex flex-wrap\" data-anchor-target=\"lazyBlock\">    \n    \n              <a class=\"flex flex-wrap content-center w-full mb-4 md:hidden\" href=\"https:\/\/senhorpanda.com\/ro\/quais-as-vantagens-do-emprestimo-com-garantia\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Care sunt beneficiile unui \u00eemprumut garantat?\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/senhorpanda.com\/wp-content\/uploads\/2021\/03\/15-dicas-de-como-comecar-o-ano-sem-dividas.jpg\" alt=\"\">\n          <\/div>\n        <\/a>\n            <h2 class=\"w-full sm:text-3xl text-2xl text-gray-900 font-medium title-font mb-2 text-center md:text-left md:w-2\/5\">\n        <a href=\"https:\/\/senhorpanda.com\/ro\/quais-as-vantagens-do-emprestimo-com-garantia\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Care sunt beneficiile unui \u00eemprumut garantat?\">\n            Care sunt beneficiile unui \u00eemprumut garantat?        <\/a>\n      <\/h2>\n      <div class=\"w-full md:w-3\/5 md:pl-6\">\n        <p class=\"text-center md:text-left leading-relaxed text-base\">\n            \u0218tia\u021bi c\u0103 \u00eemprumutul garantat este o op\u021biune excelent\u0103 pentru cei negativi? 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Dar este \u00eenc\u0103 pu\u021bin cunoscut, a\u0219a c\u0103 d\u0103 clic \u0219i afl\u0103 mai multe!<\/p>","protected":false},"author":15,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[36],"tags":[338,61,252,337],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v18.7 (Yoast SEO v19.1) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Empr\u00e9stimo com garantia de im\u00f3vel vale a pena? - Senhor Panda<\/title>\n<meta name=\"description\" content=\"Empr\u00e9stimo com garantia de im\u00f3vel \u00e9 uma op\u00e7\u00e3o com menores taxas para cr\u00e9dito pessoal. 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