{"id":221447,"date":"2023-11-14T11:18:07","date_gmt":"2023-11-14T11:18:07","guid":{"rendered":"https:\/\/bm.dev.synology.me\/?p=221447"},"modified":"2023-11-14T11:18:07","modified_gmt":"2023-11-14T11:18:07","slug":"cec-bank-finanteaza-studentii-si-familiile-tinere-cu-sume-intre-75-000-lei-si-150-000-lei-prin-programele-student-invest-si-family-start-cu-garantii-de-stat-si-dobanzi-subventionate","status":"publish","type":"post","link":"https:\/\/bm.dev.synology.me\/?p=221447","title":{"rendered":"CEC Bank finan\u0163eaz\u0103 studen\u0163ii \u015fi familiile tinere cu sume \u00eentre 75.000 lei \u015fi 150.000 lei prin programele Student Invest \u015fi Family Start, cu garan\u0163ii de stat \u015fi dob\u00e2nzi subven\u0163ionate"},"content":{"rendered":"<p>\nCEC Bank, institu\u0163ia financiar\u0103 cu cea mai extins\u0103 re\u0163ea din \u0163ar\u0103, acord\u0103 pentru al doilea an consecutiv credite \u00een cadrul programelor guvernamentale Student Invest \u015fi Family Start prin care se pot ob\u0163ine finan\u0163\u0103ri de p\u00e2n\u0103 la 75 000 lei (Student Invest), respectiv 150 000 lei (Family Start) cu garan\u0163ii de stat \u015fi dob\u00e2nzi \u015fi comisioane subven\u0163ionate.<\/p>\n<p>\nDurata maxim\u0103 a creditelor Family Start \u015fi Student Invest este p\u00e2n\u0103 la 10 ani, cu perioad\u0103 de gra\u0163ie p\u00e2n\u0103 la 5 ani.&nbsp;<\/p>\n<p>\nPrin Programul&nbsp;<a https:=\"\" www.cec.ro=\"\">Student Invest<\/a>, persoanele cu v\u00e2rste cuprinse \u00eentre 18 \u015fi 40 de ani ne\u00eemplini\u0163i, care sunt cuprin\u015fi \u00een institu\u0163iile de \u00eenv\u0103\u0163\u0103m\u00e2nt superior, pot ob\u0163ine credite de nevoi personale pentru plata taxelor de studii, plata c\u0103minului sau a chiriei sau chiar avans pentru locuin\u0163\u0103, dar \u015fi pentru cheltuieli precum cele cu serviciile dentare, interven\u0163ii chirurgicale sau achizi\u0163ia de autoturisme.<\/p>\n<p>\nDob\u00e2nda \u015fi comisioanele de analiz\u0103, precum \u015fi comisioanele de gestiune a garan\u0163iilor sunt subven\u0163ionate integral de c\u0103tre stat.<\/p>\n<p>\nAstfel, pentru un credit de 75 000 lei, pe 10 ani, rata lunar\u0103 se ridic\u0103 la 1.259,44 lei, \u00een condi\u0163iile utiliz\u0103rii integrale a sumei de la \u00eenceput. Clientul va rambursa doar suma \u00eemprumutat\u0103, f\u0103r\u0103 costuri suplimentare. Creditele pot fi accesate \u015fi de cei care nu sunt salaria\u0163i, cu condi\u0163ia existen\u0163ei unui codebitor, spun reprezentan\u0163ii CEC Bank.<\/p>\n<p>\nProgramul&nbsp;<a https:=\"\" www.cec.ro=\"\">Family Start&nbsp;<\/a>se adreseaz\u0103 persoanelor cu v\u00e2rste cuprinse \u00eentre 18 \u015fi 45 de ani ne\u00eemplini\u0163i, care \u00ee\u015fi intemeiaz\u0103 o familie \u015fi\/sau persoanele care formeaz\u0103 \u00eempreun\u0103 o familie, dintre care cel pu\u0163in unul dintre beneficiari se \u00eencadreaz\u0103 \u00een criteriul de v\u00e2rst\u0103.<\/p>\n<p>\nAce\u015ftia pot ob\u0163ine credite de nevoi personale pentru evenimentele importante din via\u0163a familiei, cum ar fi nunta, pentru cheltuielile cu spitalizarea in cazul nasterilor, tratamente medicale complexe, educa\u0163ia \u015fi cre\u015fterea copiilor, achizitia de autoturisme, plata chiriei, plata avans\/ parte din pretul de achizitie a unei locuinte\/ costul de constructiei, achizitia de aparatelor electrocasnice sau de solutii energetice sustenabile, etc. &nbsp;<\/p>\n<p>\nProgramul se adrezeaz\u0103 persoanelor care au venitul net lunar pe membru de familie de p\u00e2n\u0103 la 6.000 de lei, respectiv pentru familiile monoparentale care au venitul net lunar pe membru de familie de p\u00e2n\u0103 la 7.500 de lei.<\/p>\n<p>\nComisioanele de analiz\u0103 a creditului \u015fi gestiune a garan\u0163iilor sunt subven\u0163ionate de stat, precum \u015fi 75% din dob\u00e2nd\u0103, astfel c\u0103 singurul cost suportat de clien\u0163i va fi 25% din dob\u00e2nd\u0103 (IRCC plus 4%\/an).<\/p>\n<p>\n&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>CEC Bank, institu\u0163ia financiar\u0103 cu cea mai extins\u0103 re\u0163ea din \u0163ar\u0103, acord\u0103 pentru al doilea an consecutiv credite \u00een cadrul programelor guvernamentale Student Invest \u015fi Family Start prin care se pot ob\u0163ine finan\u0163\u0103ri de p\u00e2n\u0103 la 75 000 lei (Student Invest), respectiv 150 000 lei (Family Start) cu garan\u0163ii de stat \u015fi dob\u00e2nzi \u015fi comisioane [&hellip;]<\/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":[6180,14224,187,472,379,9649,23747,33463],"class_list":["post-221447","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-cec","tag-cec-bank","tag-dobanzi","tag-finantare","tag-garantii","tag-programe","tag-student","tag-subventionare"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/221447","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=221447"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/221447\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=221447"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=221447"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=221447"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}