{"id":143649,"date":"2017-02-21T16:04:33","date_gmt":"2017-02-21T16:04:33","guid":{"rendered":"https:\/\/bm.dev.synology.me\/?p=143649"},"modified":"2017-02-21T16:04:33","modified_gmt":"2017-02-21T16:04:33","slug":"care-este-perioada-optima-de-rambursare-a-unui-credit-ipotecar-10-20-sau-30-de-ani","status":"publish","type":"post","link":"https:\/\/bm.dev.synology.me\/?p=143649","title":{"rendered":"Care este perioada optim\u0103 de rambursare a unui credit ipotecar: 10, 20 sau 30 de ani?"},"content":{"rendered":"

\nDe exemplu, la un credit de 230.000 de lei (51.000 de euro) la o rat\u0103 actual\u0103 a dob\u00e2nzii de 3,8% pe an, suma economisit\u0103 la un \u00eemprumut pe 25 de ani fa\u0163\u0103 de un credit pe 30 de ani va fi de aproximativ 30.000 de lei.<\/p>\n

\nDe multe ori \u00eens\u0103 persoanele care doresc s\u0103 achizi\u0163ioneze o locuin\u0163\u0103 prin intermediul unui credit bancar nu dau o importan\u0163\u0103 semnificativ\u0103 orizontului de timp pe care acceseaz\u0103 finan\u0163area pentru c\u0103 fie nu cunosc dezavantajele unei perioade lungi de rambursare, fie pentru c\u0103 o rat\u0103 aferent\u0103 unei perioade scurte ar \u00eensemna o povoar\u0103 considerabil\u0103 pentru bugetul familiei.<\/p>\n

\nDe exemplu, un credit ipotecar de 230.000 de lei pe 10 ani \u00eenseamn\u0103 o economie de aproximativ 110.000 de lei fa\u0163\u0103 de suma total\u0103 rambursat\u0103 \u00een cazul unui credit care se \u00eentinde pe 30 de ani, valoarea total\u0103 de rambursat fiind de 277.280 lei, fa\u0163\u0103 de 386.273 lei \u00een cazul creditului pe 30 de ani.<\/p>\n

\nCiti\u0163i continuarea pe www.zf.ro<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

Perioada de rambursare poate fi un criteriu cel pu\u0163in la fel de important ca nivelul dob\u00e2nzii sau al avansului \u00een momentul contract\u0103rii unui credit ipotecar, \u00een condi\u0163iile \u00een care costul cu dob\u00e2nda ar putea fi mic\u015forat cu zeci de mii de lei chiar \u015fi \u00een cazul \u00een care se alege o perioad\u0103 de rambursare mai mic\u0103 cu doar c\u00e2\u0163iva ani, informeaz\u0103 Ziarul Financiar.<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[510],"tags":[8444,30159,10327,12839,10157,7736,8753,7458,303,19981,13715],"class_list":["post-143649","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-avans","tag-caz","tag-conditii","tag-contractare","tag-cost","tag-credit","tag-credit-ipotecar","tag-dobanda","tag-important","tag-perioada","tag-rambursare"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/143649","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=143649"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/143649\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=143649"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=143649"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=143649"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}