{"id":2692,"date":"2006-02-17T13:01:00","date_gmt":"2006-02-17T13:01:00","guid":{"rendered":"https:\/\/bm.dev.synology.me\/?p=2692"},"modified":"2026-04-02T07:55:55","modified_gmt":"2026-04-02T07:55:55","slug":"de-la-teorie-la-practica","status":"publish","type":"post","link":"https:\/\/bm.dev.synology.me\/?p=2692","title":{"rendered":"DE LA TEORIE LA PRACTICA"},"content":{"rendered":"<p><UL>  <LI>  <DIV class=text><STRONG>HVB Bank &#8211; credit ipotecar in euro, cu dobanda variabila <\/STRONG><\/DIV><\/LI><\/UL>  <P class=text><STRONG>DOBANDA:<\/STRONG> 8,53%\/an <BR><STRONG>VENIT NET MINIM LUNAR:<\/STRONG> pentru achizitie &#8211; 300 euro\/familie; pentru constructie &#8211; 500 euro\/familie <BR><STRONG>COMISION ANALIZA DOSAR:<\/STRONG> 0 <BR><STRONG>COMISION ADMINISTRARE CREDIT:<\/STRONG> 0 <BR><STRONG>ALTE COMISIOANE:<\/STRONG> pentru achizitie, comisionul de acordare: 2% minim 250 de euro; pentru constructie, comisionul de acordare: 2% minim 300 de euro <BR><STRONG>PENALIZARE LA RAMBURSARE IN AVANS: <\/STRONG>1,5%, minim 150 de euro <BR><STRONG>PENALIZARE PENTRU INTARZIEREA LA PLATA RATELOR:<\/STRONG> 10%\/an peste dobanda curenta <BR><STRONG>RATA LUNARA:<\/STRONG> 440 de euro&nbsp; <\/P>  <UL>  <LI><SPAN class=text><STRONG>Raiffeisen Bank &#8211; credit imobiliar in lei, cu dobanda variabila<\/STRONG><\/LI><\/UL>  <P><STRONG>DOBANDA:<\/STRONG> 19%\/an <BR><STRONG>VENIT NET MINIM LUNAR:<\/STRONG> 60 mil. lei <BR><STRONG>COMISION ANALIZA DOSAR: <\/STRONG>150.000 lei <BR><STRONG>COMISION ADMINISTRARE CREDIT:<\/STRONG> 1% anual, aplicat la soldul creditului <BR><STRONG>ALTE COMISIOANE: <\/STRONG>taxa de&nbsp; inregistrare la Arhiva Electronica &#8211; 668.000 de lei <BR><STRONG>PENALIZARE LA RAMBURSARE IN AVANS:<\/STRONG> 1% din val. platita cu anticipatie (min. 3 rate) <BR><STRONG>PENALIZARE PENTRU INTARZIEREA LA PLATA RATELOR:<\/STRONG> rata dobanzii plus 15% <BR><STRONG>RATA LUNARA: <\/STRONG>29.820.602 lei&nbsp; <\/P>  <UL>  <LI><STRONG>Alpha Bank &#8211; credit ipotecar in lei, cu dobanda variabila <\/STRONG><\/LI><\/UL>  <P><STRONG>DOBANDA:<\/STRONG> 14%* <BR><STRONG>VENIT NET MINIM LUNAR:<\/STRONG> 49.715.000 de lei&nbsp; <BR><STRONG>COMISION ANALIZA\/ADMINISTRARE DOSAR:<\/STRONG> 0.5% din valoarea creditului minim 120 USD <BR><STRONG>ALTE COMISIOANE:<\/STRONG> comision de conversie de la o valuta la alta: 2% din valoarea ramasa de rambursat <BR><STRONG>PENALIZARE LA RAMBURSARE IN AVANS:<\/STRONG> 2% la suma platita in avans <BR><STRONG>RATA LUNARA: <\/STRONG>24.857.297,50 lei <BR><EM>pentru imprumuturi mai mici de 2 miliarde de lei, dobanda poate creste cu maxim 2 procente <\/EM><\/P>  <UL>  <LI><STRONG>ING &#8211; credit ipotecar in lei, cu dobanda fixa in primii doi ani <\/STRONG><\/LI><\/UL>  <P><STRONG>DOBANDA:<\/STRONG> 12%\/an&nbsp; <BR><STRONG>VENIT LUNAR NET MINIM:<\/STRONG> 58.060.000 de lei&nbsp; <BR><STRONG>COMISION ANALIZA\/ADMINISTRARE DOSAR: <\/STRONG>50 de euro, platibil in echivalent lei; <BR><STRONG>ALTE COMISIOANE:<\/STRONG> comision acordare credit &#8211; 2% maxim echivalent a 1.000 de euro; <BR><STRONG>PENALIZARE LA RAMBURSARE IN AVANS:<\/STRONG> 3% aplicabil asupra sumelor din capital, rambursate in avans. <BR><STRONG>PENALIZARE INTARZIERE PLATA:<\/STRONG> 45%\/an aplicata la suma restanta pe perioada de intarziere. <BR><STRONG>RATA LUNARA:<\/STRONG> 20.320.000 de lei (fixa in primii 2 ani, rata capital plus dobanda).&nbsp; <\/P>  <UL>  <LI><STRONG>BRD &#8211; GSG &#8211; credit imobiliar in lei, cu dobanda fixa pe toata perioada <\/STRONG><\/LI><\/UL>  <P><STRONG>DOBANDA:<\/STRONG> 11,5%\/an&nbsp; <BR><STRONG>VENIT LUNAR NET MINIM:<\/STRONG> cca 1.100 de euro (echivalent in lei)\/ familie&nbsp; <BR><STRONG>COMISION ANALIZA DOSAR:<\/STRONG> 1,5% din valoarea creditului <BR><STRONG>ALTE COMISIOANE:<\/STRONG> nu <BR><STRONG>PENALIZARE LA RAMBURSARE IN AVANS:<\/STRONG>&nbsp; 5% la suma rambursata in avans <BR><STRONG>PENALIZARE PENTRU INTARZIEREA LA PLATA RATELOR:<\/STRONG> 3 pp peste dobanda curenta, aplicata la suma restanta <BR><STRONG>RATA LUNARA:<\/STRONG> 19 mil. lei (suma constanta)<BR><\/P><\/SPAN><\/p>\n","protected":false},"excerpt":{"rendered":"<p>HVB Bank &#8211; credit ipotecar in euro, cu dobanda variabila;    DOBANDA: 8,53%\/an; VENIT NET MINIM LUNAR: pentru achizitie &#8211; 300 euro\/familie; pentru constructie &#8211; 500 euro\/familie   <\/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":[2108],"class_list":["post-2692","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-de-la-teorie-la-practica"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/2692","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=2692"}],"version-history":[{"count":1,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/2692\/revisions"}],"predecessor-version":[{"id":24141,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/2692\/revisions\/24141"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=2692"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=2692"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=2692"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}