{"id":2202,"date":"2022-02-15T15:22:36","date_gmt":"2022-02-15T08:22:36","guid":{"rendered":"https:\/\/credius.ro\/blog\/?p=2202"},"modified":"2025-10-21T13:16:57","modified_gmt":"2025-10-21T06:16:57","slug":"dupa-cat-timp-se-sterge-un-credit-neplatit","status":"publish","type":"post","link":"https:\/\/credius.ro\/blog\/dupa-cat-timp-se-sterge-un-credit-neplatit\/","title":{"rendered":"Dupa cat timp se sterge un credit neplatit?"},"content":{"rendered":"<p><span data-contrast=\"auto\">Daca au trecut mai multe luni de cand nu ai platit rata la imprumul facut si vrei sa stii dupa cat timp se sterge un credit neplatit, sau ce trebuie sa faci pentru ca acesta sa se prescrie, afla in acest articol. In continuare vom discuta despre prescrierea creditelor, consecintele creditului neplatit, dar si cum sa faci un imprumut potrivit nevoilor tale.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><img loading=\"lazy\" class=\"alignnone size-full wp-image-2204\" src=\"https:\/\/credius.ro\/blog\/wp-content\/uploads\/2022\/02\/shutterstock_249974521-1.jpg\" alt=\"shutterstock_249974521 (1)\" width=\"1000\" height=\"662\" \/><\/p>\n<h2><span data-contrast=\"none\"><span data-ccp-parastyle=\"heading 2\">Ce se <\/span><span data-ccp-parastyle=\"heading 2\">intampla<\/span><span data-ccp-parastyle=\"heading 2\"> daca nu mai <\/span><span data-ccp-parastyle=\"heading 2\">platesti<\/span><span data-ccp-parastyle=\"heading 2\"> un credit?<\/span><\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559738&quot;:40,&quot;335559739&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"auto\">In cazul in care nu mai platesti creditul, banca va demara actiuni de recuperare a banilor. Acestea pot include, printre altele, blocarea conturilor bancare si angajarea unui avocat sau a unei firme specializate in recuperarea creantelor.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">In cele din urma, daca nu platesti inapoi ratele la creditul bancar, creditorul va emite o somatie pentru a-ti cere aceste sume. Daca nu reusesti sa achiti datoriile, creditorul va solicita executarea silita.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<h3><span data-contrast=\"none\"><span data-ccp-parastyle=\"heading 3\">Care sunt <\/span><span data-ccp-parastyle=\"heading 3\">consecintele<\/span><span data-ccp-parastyle=\"heading 3\"> unui credit <\/span><span data-ccp-parastyle=\"heading 3\">neplatit<\/span><span data-ccp-parastyle=\"heading 3\">?<\/span><\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559738&quot;:40,&quot;335559739&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"auto\">Prescrierea unui credit neplatit poate veni cu mai multe repercursiuni. De exemplu:<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<ul style=\"list-style: disc; text-align: justify;\">\n<li>Poti fi refuzat in momentul in care incerci sa inchei un abonament de servicii de telefonie mobila, internet sau televiziune;<\/li>\n<li>Achizitionarea bunurilor in rate (chiar si in magazin), va fi imposibila deoarece vei fi etichetat ca rau platnic;<\/li>\n<li>Vei fi raportat in Biroul de Credite si asta va insemna ca, pentru o perioada, vei putea accea mult mai greu un credit de la o institutie de finantare.<\/li>\n<\/ul>\n<p><span data-contrast=\"auto\">Totusi, daca te afli in aceasta situatie, poti sa obtii un<\/span><span style=\"text-decoration: underline;\"><strong><a href=\"https:\/\/www.credius.ro\/\"><span data-contrast=\"none\"><span data-ccp-charstyle=\"Hyperlink\"> credit IFN<\/span><\/span><\/a><\/strong><\/span><span data-contrast=\"auto\"> fara verificare. Gasesti pe site-ul nostru mai multe detalii despre tipurile de imprumuturi disponibile.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<h2><span data-contrast=\"none\"><span data-ccp-parastyle=\"heading 2\">Cand<\/span><span data-ccp-parastyle=\"heading 2\"> se <\/span><span data-ccp-parastyle=\"heading 2\">sterge<\/span><span data-ccp-parastyle=\"heading 2\"> un credit <\/span><span data-ccp-parastyle=\"heading 2\">neplatit<\/span><span data-ccp-parastyle=\"heading 2\">?<\/span><\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559738&quot;:40,&quot;335559739&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"auto\">Un credit neplatit poate fi prescris dupa trei ani de la data la care a fost declarat scadent anticipat. Acest lucru se intampla dupa 90 de zile de intarziere a platii. Daca in timpul acela banca sau IFN-ul la care imprumutul a fost facut nu initiaza procedura de executare silita, datoria poate fi stearsa. In cazul datoriilor neplatite catre stat, prescrierea are loc dupa cinci ani. Orice incercare ulterioara de recuperare a banilor poate fi contestata in instanta de catre debitor.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Acum ca stii dupa cat timp se sterge un credit neplatit, in continuare iti vom da cateva sfaturi care te ajuta sa nu ajungi intr-o astfel de situatie.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<h2><span data-contrast=\"none\"><span data-ccp-parastyle=\"heading 2\">Cum sa te asiguri ca <\/span><span data-ccp-parastyle=\"heading 2\">iti<\/span> <span data-ccp-parastyle=\"heading 2\">permiti<\/span><span data-ccp-parastyle=\"heading 2\"> sa <\/span><span data-ccp-parastyle=\"heading 2\">platesti<\/span><span data-ccp-parastyle=\"heading 2\"> creditul?<\/span><\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559738&quot;:40,&quot;335559739&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"auto\">Inainte sa faci un credit online<\/span><span data-contrast=\"auto\">, trebuie sa te asiguri ca iti permiti sa platesti rata creditului. Un <strong><a href=\"https:\/\/www.credius.ro\/calculator-de-credit\">calculator de credit<\/a><\/strong> te poate ajuta sa iti calculezi rata lunara pe care o vei plati la o institutie financiara. Astfel, vei putea verifica daca poti plati rata lunara a creditului.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Factorii de care trebuie sa tii cont atunci cand alegi creditul bancar pentru nevoile tale financiare personale includ:<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<ul style=\"list-style: disc; text-align: justify;\">\n<li>Perioada maxima pentru care poti obtine finantarea: este bine sa stii daca vei avea nevoie de mai mult sau mai putin timp pentru a-ti plati creditul;<\/li>\n<li>Rata dobanzii pe care institutia financiara in cauza ti-o ofera;<\/li>\n<li>Analizeaza daca anumite venituri suplimentare pot fi incluse in calculul ratei la care esti eligibil sau nu, pentru a te reduce costurile;<\/li>\n<li>Pentru a evita probleme financiare, asigura-te ca rata lunara nu depaseste 30-40% din venitul tau net.<\/li>\n<\/ul>\n<p><span data-contrast=\"auto\">In acelasi timp, tine cont de faptul ca exista mai multi factori care pot influenta costul total al unui credit:<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<ul style=\"list-style: disc;\">\n<li>valoarea creditului;<\/li>\n<li>tipul dobanzii (fix sau variabil);<\/li>\n<li>comisionul de analiza;<\/li>\n<li>tipul comisioanelor percepute (inainte sau dupa acordarea creditului);<\/li>\n<li>perioada pentru care ai ales sa imprumuti bani.<\/li>\n<\/ul>\n<p><span data-contrast=\"auto\">Iti recomandam sa faci o<\/span><span style=\"text-decoration: underline;\"><strong><a href=\"https:\/\/www.credius.ro\/calculator-de-credit\"><span data-contrast=\"none\"><span data-ccp-charstyle=\"Hyperlink\"> simu<\/span><span data-ccp-charstyle=\"Hyperlink\">l<\/span><span data-ccp-charstyle=\"Hyperlink\">are credit<\/span><\/span><\/a><\/strong><\/span><span data-contrast=\"auto\"> inainte de a incepe demersurile necesare.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Acum ca stii dupa cat timp se sterge un credit neplatit, dar si care sunt repercursiunile in cazul unei astfel de situatii, asigura-te ca ai toate informatiile inainte de a face un imprumut.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p class=\"p1\"><span class=\"s1\">Citeste si despre: <strong><span style=\"text-decoration: underline;\"><a href=\"https:\/\/credius.ro\/blog\/cum-aplici-pentru-un-credit-ifn-pe-termen-lung\/\">credit ifn pe termen lung<\/a><\/span><\/strong>,\u00a0<span style=\"text-decoration: underline;\"><a href=\"https:\/\/credius.ro\/blog\/se-poate-obtine-un-credit-fara-sa-fii-angajat-afla-detalii\/\"><span class=\"s2\"><b>imprumuturi fara loc de munca<\/b><\/span><\/a>.<\/span><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Daca au trecut mai multe luni de cand nu ai platit rata la imprumul facut si vrei sa stii dupa cat timp se sterge un credit neplatit, sau ce trebuie sa faci pentru ca acesta sa se prescrie, afla in acest articol. In continuare vom discuta despre prescrierea creditelor, consecintele creditului neplatit, dar si cum&#8230; <\/p>\n<div class=\"link-more\"><a href=\"https:\/\/credius.ro\/blog\/dupa-cat-timp-se-sterge-un-credit-neplatit\/\">Citeste<\/a><\/div>\n","protected":false},"author":1,"featured_media":2203,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[200],"tags":[],"_links":{"self":[{"href":"https:\/\/credius.ro\/blog\/wp-json\/wp\/v2\/posts\/2202"}],"collection":[{"href":"https:\/\/credius.ro\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/credius.ro\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/credius.ro\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/credius.ro\/blog\/wp-json\/wp\/v2\/comments?post=2202"}],"version-history":[{"count":7,"href":"https:\/\/credius.ro\/blog\/wp-json\/wp\/v2\/posts\/2202\/revisions"}],"predecessor-version":[{"id":2941,"href":"https:\/\/credius.ro\/blog\/wp-json\/wp\/v2\/posts\/2202\/revisions\/2941"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/credius.ro\/blog\/wp-json\/wp\/v2\/media\/2203"}],"wp:attachment":[{"href":"https:\/\/credius.ro\/blog\/wp-json\/wp\/v2\/media?parent=2202"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/credius.ro\/blog\/wp-json\/wp\/v2\/categories?post=2202"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/credius.ro\/blog\/wp-json\/wp\/v2\/tags?post=2202"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}