{"id":216074,"date":"2023-05-18T10:59:41","date_gmt":"2023-05-18T10:59:41","guid":{"rendered":"https:\/\/bm.dev.synology.me\/?p=216074"},"modified":"2023-05-18T10:59:41","modified_gmt":"2023-05-18T10:59:41","slug":"bancile-vin-cu-oferte-noi-pentru-creditele-ipotecare-exemplu-de-calcul-oferta-unicredit-valabila-pana-in-30-iunie","status":"publish","type":"post","link":"https:\/\/bm.dev.synology.me\/?p=216074","title":{"rendered":"B\u0103ncile vin cu oferte noi pentru creditele ipotecare: Exemplu de calcul &#8211; ofert\u0103 UniCredit valabil\u0103 p\u00e2n\u0103 \u00een 30 iunie"},"content":{"rendered":"<p>\n<em><strong><span style=\"color:#b22222;\">\u2666 <\/span><\/strong><\/em><em><strong>Exemplu de calcul ofert\u0103 UniCredit (\u201ecreditul ipotecar\/imobiliar vine cu un cadou de cas\u0103 nou\u0103\u201c) valabil\u0103 p\u00e2n\u0103 \u00een 30 iunie (data limit\u0103 de depunere a cererii de credit) &#8211; dob\u00e2nda fix\u0103 \u00een primii 5 ani de 6,9% \u015fi dob\u00e2nda variabil\u0103 redus\u0103 din anul 6 de 8,08%\/an format\u0103 din IRCC (5,98% \u00een T3\/2023)+marj\u0103 fix\u0103 de 2,1%\/an<\/strong><\/em><\/p>\n<p>\n\u00cen ipoteza&nbsp; aplic\u0103rii&nbsp; dob\u00e2nzii reduse pe \u00eentreaga durat\u0103 a creditului, urmare \u00eendeplinirii condi\u0163iei&nbsp; de rulaj lunar (\u00eencasare salariu\/alt venit lunar prin banc\u0103 &#8211; n.red.) \u015fi a Condi\u0163iei de asigurare de via\u0163\u0103: pentru un credit ipotecar de achizi\u0163ie locuin\u0163\u0103 de la UniCredit Bank, \u00een valoare de 300.000 lei, pe o perioad\u0103 de 25 de ani, 300 de rate, cu dob\u00e2nda fix\u0103 redus\u0103 \u00een primii 5 ani de 6,90%\/an \u015fi dob\u00e2nda variabil\u0103 redus\u0103, \u00eencep\u00e2nd cu anul 6, de 8,08%\/an format\u0103 din IRCC (5,98% la data de 01.04.2023) \u0102 marja fix\u0103 2,10%\/an, DAE este de 8,24%, rata lunar\u0103 este de 2.188,94 lei \u00een primii 5 ani \u015fi 2.378,96 lei \u00eencep\u00e2nd cu anul 6, iar suma total\u0103 de plat\u0103 la sf\u00e2r\u015fitul perioadei de creditare este de 697.262,78 lei. Cifrele iau \u00een considerare comisionul de analiz\u0103 de 900 lei, taxa de \u00eenscriere a garan\u0163iilor mobiliare la Registrul Na\u0163ional de Publicitate Mobiliar\u0103 (RNPM) de 87,6 lei, costul evalu\u0103rii imobilului de circa 450 lei conform informa\u0163iilor din pia\u0163\u0103 de\u0163inute de creditor, costurile deschiderii \u015fi men\u0163inerii unui cont curent \u00een lei de 10 lei\/lun\u0103, asigurare de via\u0163\u0103* de 0,0259%\/lun\u0103 la sold credit, \u00eencheiat\u0103 cu o companie de asigur\u0103ri pentru care banca are calitatea de intermediar.<\/p>\n<p>\n&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>B\u0103ncile vin cu oferte noi pentru creditele ipotecare: <\/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":[8356,246,8400,548],"class_list":["post-216074","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-credite-ipotecare","tag-crestere","tag-unicredit","tag-vicepresedinte"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/216074","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=216074"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/216074\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=216074"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=216074"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=216074"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}