{"id":1484,"date":"2025-07-12T11:05:34","date_gmt":"2025-07-12T11:05:34","guid":{"rendered":"https:\/\/oraexacta.net\/blog\/?p=1484"},"modified":"2025-07-12T11:16:22","modified_gmt":"2025-07-12T11:16:22","slug":"intesa-sanpaolo-bank-romania-o-oferta-de-credit-ipotecar-cu-dobanda-fixa-de-la-489","status":"publish","type":"post","link":"https:\/\/oraexacta.net\/blog\/2025\/07\/12\/intesa-sanpaolo-bank-romania-o-oferta-de-credit-ipotecar-cu-dobanda-fixa-de-la-489\/","title":{"rendered":"Intesa Sanpaolo Bank Romania: ofert\u0103 de credit ipotecar cu dob\u00e2nd\u0103 fix\u0103 de la 4,89%"},"content":{"rendered":"\n<p>Intesa Sanpaolo Bank Romania, membru al grupului bancar interna\u021bional Intesa Sanpaolo, lanseaz\u0103 o nou\u0103 ofert\u0103 de credit ipotecar, cu accent pe costuri reduse, predictibilitate financiar\u0103 \u0219i beneficii suplimentare at\u00e2t pentru persoanele interesate de achizi\u021bia unei locuin\u021be, c\u00e2t \u0219i pentru cei care doresc s\u0103 refinan\u021beze un credit existent.<\/p>\n\n\n\n<p>Oferta include o dob\u00e2nd\u0103 fix\u0103 \u00een primii 3 ani, pornind de la 4,89%, \u00een condi\u021biile \u00een care clientul \u00eendepline\u0219te anumite criterii, precum: virarea venitului \u00eentr-un cont deschis la banc\u0103, \u00eencheierea unei poli\u021be de asigurare de via\u021b\u0103 \u0219i garantarea creditului cu un imobil eficient energetic (clasa A). Dup\u0103 perioada de dob\u00e2nd\u0103 fix\u0103, se aplic\u0103 o marj\u0103 bancar\u0103 de la 2,19% peste IRCC.<\/p>\n\n\n\n<p>\u201e\u0218tim c\u00e2t de important\u0103 este decizia de a cump\u0103ra o locuin\u021b\u0103. Pentru mul\u021bi dintre clien\u021bii no\u0219tri, este cea mai mare investi\u021bie pe care o fac. Tocmai de aceea, am construit aceast\u0103 ofert\u0103 de credit ipotecar cu g\u00e2ndul la nevoile actuale ale oamenilor care \u00ee\u0219i doresc s\u0103 aib\u0103 un pre\u021b corect, costuri ini\u021biale mai mici \u0219i o rat\u0103 lunar\u0103 predictibil\u0103, cel pu\u021bin \u00een primii ani. Asfel, fie c\u0103 vorbim de achizi\u021bie, fie c\u0103 vorbim de refinan\u021bare, am reu\u0219it s\u0103 venim \u00een \u00eent\u00e2mpinarea nevoilor clien\u021bilor no\u0219tri cu una dintre cele mai competitive oferte din pia\u021b\u0103 din acest moment, at\u00e2t la nivel al costurilor, c\u00e2t mai ales din punctul de vedere al consultan\u021bei oferite \u00een procesul de achizi\u021bie a unei locuinte sau al refinan\u021b\u0103rii unui credit ipotecar existent\u201d, a declarat Alin Fodoroiu, Director General Adjunct, Divizia Retail, Intesa Sanpaolo Bank Romania.<\/p>\n\n\n\n<p>Principalele avantaje ale ofertei:<\/p>\n\n\n\n<p>\u2022 Dob\u00e2nd\u0103 fix\u0103 de la 4,89% \u00een primii 3 ani, pentru creditele ipotecare verzi \u0219i clien\u021bii care opteaz\u0103 pentru \u00eencasarea veniturilor \u00een contul Intesa Sanpaolo Bank Romania \u0219i pentru asigurarea de via\u021b\u0103;<\/p>\n\n\n\n<p>\u2022 Marj\u0103 fix\u0103 de la 2,19% + IRCC dup\u0103 perioada cu dob\u00e2nd\u0103 fix\u0103;<\/p>\n\n\n\n<p>\u2022 0 comision lunar de administrare \u0219i 600 lei comision de analiz\u0103 dosar;<\/p>\n\n\n\n<p>\u2022 0 taxa de evaluare: costul evalu\u0103rii imobilului este suportat de banc\u0103, \u00een cazul colabor\u0103rii cu evaluatorii agrea\u021bi;<\/p>\n\n\n\n<p>\u2022 1% din suma creditului, transferat direct \u00een cont (maximum 3.000 lei) pentru clien\u021bii care refinan\u021beaz\u0103 credite ipotecare contractate la alte institu\u021bii bancare \u2013 sum\u0103 ce poate acoperi cheltuieli notariale sau alte costuri, f\u0103r\u0103 documente justificative;<\/p>\n\n\n\n<p>\u2022 Taxele de \u00eenregistrare a garan\u021biilor \u00een RNPM, achitate de banc\u0103;<\/p>\n\n\n\n<p>\u2022 Dob\u00e2nzi preferen\u021biale pentru clien\u021bii care aleg:<\/p>\n\n\n\n<ul>\n<li>virarea salariului la Intesa Sanpaolo Bank Romania,<\/li>\n\n\n\n<li>\u00eencheierea unei poli\u021be de asigurare de via\u021b\u0103,<\/li>\n\n\n\n<li>garantarea creditului cu un imobil cu eficien\u021b\u0103 energetic\u0103 clasa A (credit ipotecar verde).<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Intesa Sanpaolo Bank Romania, membru al grupului bancar interna\u021bional Intesa Sanpaolo, lanseaz\u0103 o nou\u0103 ofert\u0103 de credit ipotecar, cu accent pe costuri reduse, predictibilitate financiar\u0103 \u0219i beneficii suplimentare at\u00e2t pentru persoanele interesate de achizi\u021bia unei locuin\u021be, c\u00e2t \u0219i pentru cei care doresc s\u0103 refinan\u021beze un credit existent. Oferta include o [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":490,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[3,2],"tags":[],"_links":{"self":[{"href":"https:\/\/oraexacta.net\/blog\/wp-json\/wp\/v2\/posts\/1484"}],"collection":[{"href":"https:\/\/oraexacta.net\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/oraexacta.net\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/oraexacta.net\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/oraexacta.net\/blog\/wp-json\/wp\/v2\/comments?post=1484"}],"version-history":[{"count":2,"href":"https:\/\/oraexacta.net\/blog\/wp-json\/wp\/v2\/posts\/1484\/revisions"}],"predecessor-version":[{"id":1493,"href":"https:\/\/oraexacta.net\/blog\/wp-json\/wp\/v2\/posts\/1484\/revisions\/1493"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/oraexacta.net\/blog\/wp-json\/wp\/v2\/media\/490"}],"wp:attachment":[{"href":"https:\/\/oraexacta.net\/blog\/wp-json\/wp\/v2\/media?parent=1484"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/oraexacta.net\/blog\/wp-json\/wp\/v2\/categories?post=1484"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/oraexacta.net\/blog\/wp-json\/wp\/v2\/tags?post=1484"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}