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Credite Imobiliare - Comparatie12 FEBRUARIE 2010

Sfaturi Intreaba Expertul

Nume ProdusBCR - Rezidential Extra /

Super BCR -Dobanda Fixa - EUR

Banca Transilvania -Credit ipotecar

"Prima Casa" - EUR

Banca

BCRBanca Transilvania

APLICA

Detalii Vizualizeaza Vizualizeaza

Grafic de Rambursare

Ultima Actualizare a Produsului 02/02/2010 04/02/2010

DETALII DOBANDA

Tip Dobanda Fixa Variabila

Rata dobanda (%) 5.10 %

Detalii dobanda

Intre 1-10 ani: 9.25%;Intre 10-20 ani: 10.5%;Intre 20-25 ani: 10.75;Intre 25-30 ani: 11%.

EURIBOR 3M + 4 %In calculul dobanzii se ia in considerareEURIBOR 3M in vigoare in ultima zi a

trimestrului anterior. Actualizarile ulterioareale ratei dobanzii se vor face trimestrial, in

functie de EURIBOR 3M in vigoare in

ultima zi a trimestrului anterior si se aplicaincepand cu prima zi a noului t rimestru.

Metoda de calcul dobanda An de 360 zile An de 360 zile

PROMOTII

Perioada de gratie (luni) 1 an (12 luni)

Perioada de gratie - nota

-Perioada de gratie este de maxim 12 luni,in cadrul termenului de rambursare.

-Pentru credite fara avans nu se acordaperioada de gratie.

INFORMATII GENERALE CREDITSus ^

Moneda EUR EUR

Tipul de credit Ipotecar Prima Casa

Destinatia

Achizitie imobil

Constructie Renovare

Achizitie pamant Refinantare

Achizitie imobil Constructie

Grad maxim de indatorare 60.00 %

Grad maxim de indatorare - detalii

se stabileste pentru fiecare client in partesi depinde de profilul de risc,

comportamentul de plata, venitul neteligibil al acestuia

Tip Garantie Cesiune asigurari Depozit colateral

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ipoteca imobil ipoteca imobil

Garantii - Nota

Ipoteca de rang I asupra locuintei finantateprin credit, cesionata in favoarea Statului

Roman reprezentat de MinisterulFinantelor.

Depozit colateral la BT pentru garantareadobanzii, valabil pe toata perioada de

creditare, in valoare egala cu 3 rate dedobanda

Codebitori

maxim 3 codebitori interni (locuiescimpreuna cu solicitantul); maxim 4

codebitori externi2 (rude pana la gradul II de rudenie)

Valoarea minima a creditului 1000 EUR

Valoare maxima a creditului 57000 EUR

Valoarea maxima a creditului - descriere

Suma maxima este de pana la 100% dinvaloarea garantiilor constituite, fara a

depasi:-pentru credite fara avans 300.000 EUR;-pentru credite cu avans de minim 5% -

400.000 EUR;-pentru credite cu avans de minim 25% nu

este stabilita o limita maxima.Perioada maxima (luni) 30 ani (360 luni)

Avans 0.00 % 5.00 %

Nota-Avans

Pentru credite fara avans, perioadamaxima de creditare este de 25 de ani, intimp ce pentru credite cu avans de minim

10% este de 30 de ani.

5% din pretul de achizitie al locuintei, dacapretul acesteia este mai mic sau egal cu

60.000 Euro3.000 eur (in echiv.lei) plus diferenta dintre

pretul de achizitie al locuintei si 60.000EUR, daca pretul este mai mare de 60.000

EUR (in echiv.lei)

Cota de finantare 100.00 % 95.00 %

Nota - Cota de finantarePana la 95% din valoarea investitiei, max.

57000 Euro sau echivalent Lei.

Tip Scadentar[1] rate egale rate egale

Oferta valabila si pentru cetateni strainiVezi numai ofertele care nu solicita cartea

de munca

COSTURI INCLUSE IN CALCULUL DAE

Comision analiza dosar (suma fixa) 600.00 RON (146.09 EUR)

Comision analiza dosar - descriere

Comision unic de analiza pentru emitereaunei promisiuni de garantare*: 0,15%

aplicat la valoarea promisiunii unilateralede creditare emisa de banca.

* Se solicita doar pentru imobilele inconstructie aflate in rosu

Comision de acordare (o data - la inceput)

(% din valoarea initiala)2.50 % 0.37 %

Comision de acordare (o data - la inceput)- descriere Comision de gestiune datorat FNGCIMM

Comision administrare annual - descriereComision de gestiune datorat FNGCIMM:0,37% pe an, calculat la soldul finantarii

ALTE COSTURISus ^

Comision de rambursare anticipata

Minim 30 EUR sau:-in primii 3 ani: 4.5%-intre 3 si 5 ani: 3%

-intre 5 si 10 ani: 2.5%-peste 10 ani: 2%

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Comision de intarziere la plata

Dobanda penalizatoare:-pentru intarzieri de 8-30 zile: dobanda

curenta + 1 pp;-pentru intarzieri peste 30 de zile: dobanda

curenta + 2 pp.CRITERII DE ELIGIBILITATE

Vechime minima la locul actual de munca

(luni)3 luni 6 luni

Virsta maxima imprumutat (incluzand

perioada creditului) (ani)65 70

Virsta minima imprumutat (ani) 18 18

ASIGURARISus ^

Asigurare de Viata Gratuita nu se solicitaAsigurare locuinta Obligatorie Obligatorie

Companii de asigurari agreate Asitrans

TIPURI DE VENITURISalarii 100.00 % 100.00 %Pensii 100.00 % 100.00 %PFA 70.00 % 80.00 %

Chirii 80.00 % 85.00 %Dividende 70.00 % 80.00 %Venituri din strainatate 60.00 % 85.00 %

Drepturi de autor 75.00 % 90.00 %Venturi Navigatori 85.00 %

Contract De Management 75.00 %Contract De Administrare 75.00 %

DOCUMENTE NECESARESus ^

Documente necesare

Factura Utilitati Acte de proprietate

Adeverinta de Venit/ Talon Pensie CI

Acte de proprietate Adeverinta de Venit/ Talon Pensie

CI Copie Carte de Munca

Alte informatii

Fisa fiscala aferenta anului precedent(original) sau copie cu stampila oficiala a

angajatorului.-creditele garantate cu garanii reale,

banca nemaisolicitnd copii dupcontractul individual de munc/cartea demunc/ registrul general de eviden a

salariailorID

ID ML000935 ML000993

APLICA

[1] Rate egale (cuprind principalul, dobanda si comisionul lunar aplicat la valoarea creditului) sau rate descrescatoare (cuprindprincipalul, dobanda si comisionul lunar aplicat la sold)

** Informatiile referitoare la caracteristicile produselor sunt colectate de la fiecare banca si institutie financiara.

*** Va sfatuim sa studiati cu atentie clauzele contractului de credit, taxele si comisioanele institutiei financiare alese.

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