{"id":223322,"date":"2024-01-18T14:16:25","date_gmt":"2024-01-18T14:16:25","guid":{"rendered":"https:\/\/bm.dev.synology.me\/?p=223322"},"modified":"2026-04-10T10:02:40","modified_gmt":"2026-04-10T10:02:40","slug":"bcr-lanseaza-o-oferta-speciala-de-credit-ipotecar-cu-o-dobanda-fixa-de-la-579-si-un-fond-de-urgenta-in-echivalentul-unei-rate","status":"publish","type":"post","link":"https:\/\/bm.dev.synology.me\/?p=223322","title":{"rendered":"BCR lanseaz\u0103 o ofert\u0103 special\u0103 de credit ipotecar cu o dob\u00e2nd\u0103 fix\u0103 de la 5,79% \u015fi un fond de urgen\u0163\u0103 \u00een echivalentul unei rate"},"content":{"rendered":"<p style=\"text-align: justify\">\nClientii BCR care acceseaz\u0103 un credit ipotecar, noi sau refinantare, pot primi din partea b\u0103ncii un fond de urgen\u0163\u0103, \u00een echivalentul unei rate totale de credit de p\u00e2n\u0103 la 2.500 lei, precum \u015fi o dob\u00e2nd\u0103 fix\u0103 \u00een primii 5 ani, de la 5,79%.<\/p>\n<p style=\"text-align: justify\">\nPentru a beneficia de oferta cea mai bun\u0103 de dob\u00e2nd\u0103, clien\u0163ii trebuie s\u0103 aleag\u0103 un imobil construit dup\u0103 anul 2000, cu Certificat energetic A sau cu Certificat energetic B emis dup\u0103 16 februarie 2023, ceea ce \u00eei va face eligibili pentru produsul CASA MEA Natura, \u015fi s\u0103 vireze deja sau s\u0103 opteze pentru virarea salariului la BCR.<\/p>\n<p style=\"text-align: justify\">\nLa finalul celor 5 ani cu dob\u00e2nd\u0103 fix\u0103, dob\u00e2nda va fi variabil\u0103, respectiv 2,4% + IRCC.<\/p>\n<p style=\"text-align: justify\">\n\u00cen cazul \u00een care nu \u00eendeplinesc criteriile pentru CASA MEA Natura, clien\u0163ii pot opta pentru produsul standard ipotecar CASA MEA cu o dob\u00e2nd\u0103 fix\u0103 standard de 7,09% \u00een primii 5 ani, ulterior 3,70% + IRCC.<\/p>\n<p style=\"text-align: justify\">\n\u201eCele dou\u0103 componente ale ofertei &#8211; fondul de urgen\u0163\u0103, echivalent cu o rat\u0103, precum \u015fi condi\u0163iile foarte avantajoase de dob\u00e2nd\u0103, inclusiv pentru asigurarea de via\u0163\u0103 &#8211; sunt g\u00e2ndite s\u0103 ofere un sprijin real pentru to\u0163i cei care \u00ee\u015fi doresc achizi\u0163ionarea unei case, dar \u015fi un \u00eendemn la responsabilitate. Finan\u0163\u0103rile pentru locuin\u0163\u0103 sunt disponibile exclusiv \u00een condi\u0163iile achizi\u0163ion\u0103rii unei asigur\u0103ri de via\u0163\u0103, \u00een linie cu angajamentul nostru pentru educa\u0163ie financiar\u0103 \u015fi protec\u0163ie pe \u00eentreaga perioad\u0103 a creditului ipotecar.\u201d, a declarat Vlad Hu\u0163uleac, Director Executiv Adjunct Produse si Segmente Retail la BCR.<\/p>\n<p style=\"text-align: justify\">\nOferta este valabil\u0103 \u00een perioada 17 ianuarie \u2013 16 aprilie 2024 pentru cererile noi de credit \u015fi poate fi accesat\u0103 prin platforma de digital banking George, precum \u015fi \u00een orice unitate BCR.<\/p>\n<p style=\"text-align: justify\">\nCalcul pentru creditul CASA MEA Natura, \u00een cazul unei locuin\u0163e eficiente energetic, cu \u00eencasarea salariului sau a venitului \u00een cont BCR:<\/p>\n<ul>\n<li style=\"text-align: justify\">\nSum\u0103 \u00eemprumutat\u0103: 350.000 de lei;<\/li>\n<li style=\"text-align: justify\">\nPerioad\u0103: 300 de luni;<\/li>\n<li style=\"text-align: justify\">\nDob\u00e2nd\u0103 fix\u0103 pe 5 ani: 5,79%, ulterior variabil\u0103 &#8211; 8,37%\/an (2,40% + IRCC);<\/li>\n<li style=\"text-align: justify\">\nComisioane: 500 de lei (analiz\u0103) \u015fi 0 lei (administrare);<\/li>\n<li style=\"text-align: justify\">\nCost evaluare: 470 lei inclusiv TVA (apartament), perceput de evaluator;<\/li>\n<li style=\"text-align: justify\">\nCost cu asigurarea de via\u0163\u0103, dac\u0103 aceasta este achizi\u0163ionat\u0103 prin intermediul BCR: 0,026% (calculat\u0103 lunar la soldul creditului), 91 de lei \u00een prima lun\u0103;<\/li>\n<li style=\"text-align: justify\">\nRata \u00een primii 5 ani: 2.301 lei, ulterior 2.789 lei;<\/li>\n<li style=\"text-align: justify\">\nValoare total\u0103 pl\u0103tibil\u0103: 808.782 lei;<\/li>\n<li style=\"text-align: justify\">\nDAE = 7,91%.&nbsp;<\/li>\n<\/ul>\n<p style=\"text-align: justify\">\n\u00cen cazul \u00een care clientul nu (mai) \u00eencaseaz\u0103 venitul \u00een cont, pentru acela\u015fi credit: dob\u00e2nda este fix\u0103 \u00een primii 5 ani: 6,79%\/an, ulterior variabil\u0103 9,37%\/an (IRCC + 3,40%); Rat\u0103 fix\u0103 \u00een primii 5 ani: 2.518 lei, ulterior 3.030 lei; Valoare total\u0103 pl\u0103tibil\u0103: 879.758 lei; DAE = 8,94%. (IRCC = 5,97% valabil p\u00e2n\u0103 la 31.03.2024).<\/p>\n<p>\n&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Clientii BCR care acceseaz\u0103 un credit ipotecar, noi sau refinantare, pot primi din partea b\u0103ncii un fond de urgen\u0163\u0103, \u00een echivalentul unei rate totale de credit de p\u00e2n\u0103 la 2.500 lei, precum \u015fi o dob\u00e2nd\u0103 fix\u0103 \u00een primii 5 ani, de la 5,79%. Pentru a beneficia de oferta cea mai bun\u0103 de dob\u00e2nd\u0103, clien\u0163ii trebuie [&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":[5078,8753,7458,8122],"class_list":["post-223322","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-bcr","tag-credit-ipotecar","tag-dobanda","tag-oferta"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/223322","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=223322"}],"version-history":[{"count":1,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/223322\/revisions"}],"predecessor-version":[{"id":223338,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/223322\/revisions\/223338"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=223322"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=223322"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=223322"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}