{"id":17158,"date":"2024-12-20T11:55:27","date_gmt":"2024-12-20T11:55:27","guid":{"rendered":"https:\/\/transfergo.wpengine.com\/cum-sa-iei-un-imprumut-in-marea-britanie"},"modified":"2025-03-03T16:16:52","modified_gmt":"2025-03-03T16:16:52","slug":"cum-sa-luati-un-imprumut-in-marea-britanie","status":"publish","type":"post","link":"https:\/\/develop.wpvip.tgalpha.com\/ro\/cum-sa-luati-un-imprumut-in-marea-britanie","title":{"rendered":"Cum s\u0103 iei un \u00eemprumut \u00een Marea Britanie?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400\">\u00cen general, decizia de a lua bani cu \u00eemprumut \u00een Marea Britanie este una pe care ne dorim s\u0103 o lu\u0103m \u00een deplin\u0103 cuno\u0219tin\u021b\u0103 de cauz\u0103. Cel mai important este faptul c\u0103 trebuie s\u0103 ne fie foarte clar la c\u00e2t se va ridica totalul dob\u00e2nzii, bani pe care \u00eei vom avea de dat \u00eenapoi lun\u0103 de lun\u0103. <\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400\">Rata dob\u00e2nzii depinde \u00een Anglia at\u00e2t de credit score, c\u00e2t \u0219i de suma pe care o solicit\u0103m. Prin urmare, e bine s\u0103 cunoa\u0219tem nu doar care sunt condi\u021biile pentru un credit score bun, dar \u0219i dac\u0103 creditul bancar este chiar singura solu\u021bie la \u00eendem\u00e2n\u0103 atunci c\u00e2nd avem nevoie de un \u00eemprumut.\u00a0<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400\">Cite\u0219te cu \u00eencredere mai departe, \u00een articolul de ast\u0103zi venim cu informa\u021bii utile despre cum s\u0103 iei un \u00eemprumut avantajos \u00een Marea Britanie.&nbsp;<\/span><\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" height=\"576\" width=\"1024\" src=\"https:\/\/develop.wpvip.tgalpha.com\/ro\/wp-content\/uploads\/2023\/11\/imprumut-in-Marea-Britanie-1024x576.jpg\" alt=\"\" class=\"wp-image-46066\"\/><\/figure>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\"><span style=\"font-weight: 400\"><em>Aici la <\/em><\/span><b><em>TransferGo<\/em><\/b><span style=\"font-weight: 400\"><em> vrem s\u0103 \u00ee\u021bi facem via\u021ba departe de cas\u0103 c\u00e2t mai u\u0219oar\u0103. Nu doar prin costurile noastre de transfer, care sunt printre cele mai mici pe care le po\u021bi avea atunci c\u00e2nd <\/em><\/span><a href=\"https:\/\/develop.wpvip.tgalpha.com\/ro\/\" target=\"_blank\" rel=\"noreferrer noopener\"><em><span style=\"font-weight: 400\">transferi bani online<\/span><\/em><\/a><span style=\"font-weight: 400\"><em> \u0219i prin siguran\u021ba pe care \u021bi-o oferim, dar \u0219i prin toate aceste informa\u021bii pe care le preg\u0103tim pentru tine.<\/em><\/span><\/p>\n\n\n\n<div class=\"wp-block-rank-math-toc-block\" id=\"rank-math-toc\"><h2>Cuprins<\/h2><nav><ul><li class=\"\"><a href=\"#care-sunt-pa\u0219ii-in-ob\u021binerea-unui-imprumut-in-marea-britanie\">Care sunt pa\u0219ii \u00een ob\u021binerea unui \u00eemprumut \u00een Marea Britanie?<\/a><ul><\/ul><\/li><li class=\"\"><a href=\"#de-ce-condi\u021bii-sa-\u021bii-cont-la-imprumuturi\">De ce condi\u021bii s\u0103 \u021bii cont la \u00eemprumuturi?<\/a><\/li><li class=\"\"><a href=\"#creditele-cu-rata-dobanzii-redusa-sunt-oferite-pe-anumite-sume-de-imprumut-pe-baza-de-niveluri\">Creditele cu rata dob\u00e2nzii redus\u0103 sunt oferite pe anumite sume de \u00eemprumut pe baz\u0103 de niveluri<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"care-sunt-pa\u0219ii-in-ob\u021binerea-unui-imprumut-in-marea-britanie\"><strong>Care sunt pa\u0219ii \u00een ob\u021binerea unui \u00eemprumut \u00een <\/strong>Marea Britanie?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400\">Pentru a fi eligibil pentru un credit ca rom\u00e2n \u00een Marea Britanie trebuie s\u0103 ai o re\u0219edin\u021b\u0103 \u0219i o surs\u0103 constant\u0103 de venit. Actele care dovedesc aceast\u0103 situa\u021bie vor fi cerute cu prec\u0103dere de c\u0103tre b\u0103nci, dar \u0219i de alte institu\u021bii de creditare. Evident, un act de identitate valid este de asemenea necesar. <br><br><\/span><strong>Online eligibility check<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dac\u0103 nu vrei s\u0103 a\u0219tep\u021bi prea mult \u0219i nu vrei s\u0103 te duci p\u00e2na la banc\u0103, atunci po\u021bi s\u0103 faci un <em>eligibility check <\/em>online, adic\u0103 s\u0103 verifici online dac\u0103 vei fi eligibil pentru un \u00eemprumut. Dac\u0103 acel eligibility check confirm\u0103 c\u0103 \u00eendepline\u0219ti condi\u021biile \u0219i e\u0219ti acceptat, tot ce-\u021bi r\u0103m\u00e2ne de f\u0103cut este s\u0103 semnezi actele virtual. Dup\u0103 ce semnezi actele, vei primi banii \u00een cont.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400\">Recomandarea noastr\u0103 este s\u0103 solici\u021bi \u00eemprumutul la banca ta. \u00cens\u0103, dac\u0103 ai un credit score sc\u0103zut, mai bine \u00ee\u021bi cre\u0219ti mai \u00eent\u00e2i credit score-ul, iar mai apoi faci cererea pentru un \u00eemprumut. Aceasta pentru c\u0103 exist\u0103 \u0219anse foarte mari s\u0103 nu fii acceptat dac\u0103 ai un credit score scazut. Chiar dac\u0103 prime\u0219ti salariul \u00een acel cont de fiecare dat\u0103 \u0219i ai mereu bani \u00een cont, banca nu se va uita la acest lucru, ci mai degrab\u0103 \u00ee\u021bi va lua \u00een considerare credit score-ul. <\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"credit-score-ul-este-foarte-important-daca-vrei-sa-faci-un-imprumut-in-marea-britanie\"><strong>Credit score-ul este foarte important dac\u0103 vrei s\u0103 faci un \u00eemprumut \u00een Marea Britanie<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400\">Credit score-ul este foarte important \u00een Marea Britanie atunci c\u00e2nd aplici pentru un \u00eemprumut, un abonament sau un card de credit. Condi\u021biile de care vei beneficia de fiecare dat\u0103 sunt cu at\u00e2t mai avantajoase pentru tine, cu c\u00e2t credit score-ul t\u0103u este mai mare. <br><br>Lipsa unei istorii de credit poate face dificil\u0103 aplicarea pentru un cont de economii sau un card de credit ca nou emigrant \u00een Regatul Unit. De aceea este foarte important s\u0103 ai un cont bancar \u00een Anglia \u0219i s\u0103 faci plata cu cardul c\u00e2t mai des, pentru c\u0103 asta \u00ee\u021bi m\u0103re\u0219te credit score-ul \u0219i automat \u0219i \u0219ansele s\u0103 po\u021bi face un \u00eemprumut.<\/span><\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" height=\"576\" width=\"1024\" src=\"https:\/\/develop.wpvip.tgalpha.com\/ro\/wp-content\/uploads\/2023\/11\/imprumut-in-Marea-Britanie-1-1024x576.jpg\" alt=\"\" class=\"wp-image-46077\"\/><\/figure>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\"><em><span style=\"font-weight: 400\">\u0218tim c\u0103 mutarea \u00eentr-o alt\u0103 \u021bar\u0103 \u00eenseamn\u0103 multe eforturi.&nbsp;\u00censeamn\u0103 curajul de a pleca \u0219i de a fi departe de cei dragi.<\/span> <span style=\"font-weight: 400\">\u0218i tocmai de aceea, te ajut\u0103 s\u0103 \u0219tii c\u0103 banii t\u0103i sunt \u00een siguran\u021b\u0103.<\/span> <span style=\"font-weight: 400\">Ai nevoie s\u0103 faci <a href=\"https:\/\/transfergo.ro\" target=\"_blank\" rel=\"noopener\">transfer de bani<\/a><\/span><\/em> <em><span style=\"font-weight: 400\">simplu, rapid \u0219i f\u0103r\u0103 comisioane bancare exagerate \u00een Rom\u00e2nia \u0219i nu numai.<\/span><\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"de-ce-condi\u021bii-sa-\u021bii-cont-la-imprumuturi\">De ce <span style=\"font-weight: 400\"><strong>condi\u021bii s\u0103 \u021bii cont la \u00eemprumuturi<\/strong><\/span>?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400\">Pentru a fi siguri c\u0103 lua\u021bi decizia corect\u0103 este util s\u0103 te consul\u021bi cu un expert, sau m\u0103car s\u0103 compari ofertele de pe pia\u021b\u0103.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400\">Un credit cu rata dob\u00e2nzii fix\u0103 este o alegere bun\u0103 pentru c\u0103 este predictibil \u0219i nu ri\u0219ti s\u0103 fii cople\u0219it de dob\u00e2nzi tot mai mari. Rata dob\u00e2nzii va fi stabilit\u0103 pentru o perioad\u0103 de timp convenit\u0103 de c\u0103tre tine \u0219i banca sau institu\u021bia care \u00ee\u021bi d\u0103 banii. Dac\u0103 ai un venit stabil \u0219i speri s\u0103 c\u00e2\u0219tigi mai mult \u00een viitor, acest tip de \u00eemprumut \u021bi se potrive\u0219te.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400\">Un credit cu rata dob\u00e2nzii variabil\u0103 \u00ee\u021bi permite s\u0103 profi\u021bi de sc\u0103deri ale ratelor oficiale ale dob\u00e2nzii \u00een timpul perioadei de \u00eemprumut. Este important de re\u021binut faptul c\u0103 \u00een acest caz \u00ee\u021bi asumi unele riscuri ce decurg din posibilitatea ca rata s\u0103 \u0219i creasc\u0103 \u00een viitor.<\/span><\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\"><i><span style=\"font-weight: 400\">La TransferGo, \u00ee\u021bi oferim garan\u021bia c\u0103 banii t\u0103i ajung rapid \u0219i \u00een &nbsp; siguran\u021b\u0103 la cei dragi.<\/span><\/i> <i><span style=\"font-weight: 400\">\u0218i \u00ee\u021bi mai oferim ceva. Respectul pentru lupta ta pentru c\u0103 \u0219tim c\u00e2t Valorezi pentru Rom\u00e2nia!<\/span><\/i> <a href=\"https:\/\/develop.wpvip.tgalpha.com\/ro\" target=\"_blank\" rel=\"noreferrer noopener\"><i><span style=\"font-weight: 400\">Descarc\u0103-\u021bi aplica\u021bia TransferGo<\/span><\/i><\/a><i><span style=\"font-weight: 400\"> \u0219i al\u0103tur\u0103-te celor peste 3,5 milioane de utilizatori din \u00eentreaga lume<\/span><\/i>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"creditele-cu-rata-dobanzii-redusa-sunt-oferite-pe-anumite-sume-de-imprumut-pe-baza-de-niveluri\"><span style=\"font-weight: 400\">Creditele cu rata dob\u00e2nzii redus\u0103 sunt oferite pe anumite sume de \u00eemprumut pe baz\u0103 de niveluri<\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400\">Cu c\u00e2t \u00eemprumu\u021bi mai mult, cu at\u00e2t este mai mare discountul sau reducerea care se poate aplica pe o perioada redus\u0103 de timp. Dup\u0103 aceast\u0103 perioad\u0103 introductiv\u0103, rata dob\u00e2nzii revine la valoarea variabil\u0103 standard a \u00eemprumutului contractat. Practic, te vei \u00eentoarce la acelea\u0219i considerente care se aplic\u0103 \u00eemprumuturilor descrise mai sus.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400\">\u00cen majoritatea cazurilor, rata dob\u00e2nzilor se ajusteaz\u0103 \u00een conformitate cu rata de baz\u0103 stabilit\u0103 de Banca Angliei, dar uneori banca va face o ajustare independent\u0103. Aceasta este bazat\u0103 pe c\u00e2\u0219tigurile proprii \u0219i \u00een cazul acesta&nbsp; pot ap\u0103rea fluctua\u021bii mici \u00een ceea ce prive\u0219te dob\u00e2nzile.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400\">Cu c\u00e2t suma este mai mare \u0219i perioada de rambursare mai lung\u0103, cu at\u00e2t este mai important s\u0103 iei \u00een calcul \u0219i cele mai mici detalii.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400\">Dac\u0103 iei decizia corect\u0103 ini\u021bial nu vei avea b\u0103t\u0103i de cap pe termen lung \u0219i te vei bucura de \u00eemprumut, f\u0103r\u0103 griji \u00een plus.<\/span><\/p>\n\n\n\n<p class=\"has-small-font-size wp-block-paragraph\"><span style=\"font-weight: 400\"><br><\/span><i><span style=\"font-weight: 400\">La final, <\/span><\/i><i><span style=\"font-weight: 400\">dac\u0103 \u021bi-a prins bine articolul \u0219i ai aflat ceva folositor din el, <\/span><\/i><i><\/i><\/p>\n\n\n\n<p class=\"has-small-font-size wp-block-paragraph\"><i><span style=\"font-weight: 400\">d\u0103-l mai departe printr-un share pe <\/span><\/i><a href=\"https:\/\/www.facebook.com\/transfergo.romania\" target=\"_blank\" rel=\"noreferrer noopener\"><i><span style=\"font-weight: 400\">Facebook<\/span><\/i><\/a> <i><span style=\"font-weight: 400\">\u0219i WhatsApp, <\/span><\/i><\/p>\n\n\n\n<p class=\"has-small-font-size wp-block-paragraph\"><i><span style=\"font-weight: 400\">sau orice alt mijloc de social media pe care-l folose\u0219ti.<\/span><\/i><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400\">Spor la<\/span><a href=\"https:\/\/develop.wpvip.tgalpha.com\/ro\/\" target=\"_blank\" rel=\"noreferrer noopener\"><span style=\"font-weight: 400\"> bani<\/span><\/a><span style=\"font-weight: 400\"> de la noi de la <\/span><b>TransferGo<\/b><span style=\"font-weight: 400\">!&nbsp;<br><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u00cen general, decizia de a lua bani cu \u00eemprumut \u00een Marea Britanie este una pe care ne dorim s\u0103 o lu\u0103m \u00een deplin\u0103 cuno\u0219tin\u021b\u0103 de cauz\u0103. Cel mai important este faptul c\u0103 trebuie s\u0103 ne fie foarte clar la c\u00e2t se va ridica totalul dob\u00e2nzii, bani pe care \u00eei vom avea de dat \u00eenapoi lun\u0103 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":17159,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[1310,1322],"tags":[],"business_case_studies_tags":[],"class_list":["post-17158","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finante-personale","category-viata-in-strainatate"],"jetpack_featured_media_url":"https:\/\/develop.wpvip.tgalpha.com\/wp-content\/uploads\/2022\/11\/Using-a-UK-Bridging-Loan-For-Property-Development-1200x848-1.jpg","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/develop.wpvip.tgalpha.com\/ro\/wp-json\/wp\/v2\/posts\/17158","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/develop.wpvip.tgalpha.com\/ro\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/develop.wpvip.tgalpha.com\/ro\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/develop.wpvip.tgalpha.com\/ro\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/develop.wpvip.tgalpha.com\/ro\/wp-json\/wp\/v2\/comments?post=17158"}],"version-history":[{"count":1,"href":"https:\/\/develop.wpvip.tgalpha.com\/ro\/wp-json\/wp\/v2\/posts\/17158\/revisions"}],"predecessor-version":[{"id":167960,"href":"https:\/\/develop.wpvip.tgalpha.com\/ro\/wp-json\/wp\/v2\/posts\/17158\/revisions\/167960"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/develop.wpvip.tgalpha.com\/ro\/wp-json\/wp\/v2\/media\/17159"}],"wp:attachment":[{"href":"https:\/\/develop.wpvip.tgalpha.com\/ro\/wp-json\/wp\/v2\/media?parent=17158"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/develop.wpvip.tgalpha.com\/ro\/wp-json\/wp\/v2\/categories?post=17158"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/develop.wpvip.tgalpha.com\/ro\/wp-json\/wp\/v2\/tags?post=17158"},{"taxonomy":"business_case_studies_tags","embeddable":true,"href":"https:\/\/develop.wpvip.tgalpha.com\/ro\/wp-json\/wp\/v2\/business_case_studies_tags?post=17158"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}