{"id":36160,"date":"2026-03-01T12:38:36","date_gmt":"2026-03-01T12:38:36","guid":{"rendered":"https:\/\/ge.managedwp.agency\/imobiliare\/?page_id=36160"},"modified":"2026-03-01T12:38:40","modified_gmt":"2026-03-01T12:38:40","slug":"credit-ipotecar","status":"publish","type":"page","link":"https:\/\/ge.managedwp.agency\/imobiliare\/credit-ipotecar\/","title":{"rendered":"Credit Ipotecar"},"content":{"rendered":"        <section class=\"brns-calculator brns-calc-ipotecar\" id=\"brns-wrap-ipotecar\">\n            <div class=\"brns-calc-header\">\n                <h2 class=\"brns-calc-title\">Calculator Credit Ipotecar<\/h2>\n                <p class=\"brns-calc-subtitle\">Calculeaz\u0103-\u021bi rata pentru creditul ipotecar \u00een lei<\/p>\n            <\/div>\n\n            <form onsubmit=\"return false;\" class=\"brns-calc-form\">\n                <div class=\"brns-calc-body\">\n\n                    <!-- Row 1: Venit + Banc\u0103 (two-column) -->\n                    <div class=\"brns-field-row\">\n                        <div class=\"brns-field-group\" style=\"margin-bottom:0\">\n                            <label class=\"brns-label\" for=\"venit-ipotecar\">Venit lunar<\/label>\n                            <div class=\"brns-input-suffix\">\n                                <input type=\"number\" id=\"venit-ipotecar\" class=\"brns-input\"\n                                       step=\"any\" min=\"0\" placeholder=\"0\">\n                                <span class=\"brns-suffix\">Lei<\/span>\n                            <\/div>\n                        <\/div>\n                        <div class=\"brns-field-group\" style=\"margin-bottom:0\">\n                            <label class=\"brns-label\" for=\"banca-ipotecar\">Banc\u0103 creditoare<\/label>\n                            <select id=\"banca-ipotecar\" class=\"brns-select\">\n                                                                    <option value=\"0\">\n                                        Libra Bank                                    <\/option>\n                                                                    <option value=\"1\">\n                                        BRD                                    <\/option>\n                                                                    <option value=\"2\">\n                                        Banca Transilvania                                    <\/option>\n                                                                    <option value=\"3\">\n                                        BCR                                    <\/option>\n                                                                    <option value=\"4\">\n                                        First Bank                                    <\/option>\n                                                                    <option value=\"5\">\n                                        Alpha Bank                                    <\/option>\n                                                                    <option value=\"6\">\n                                        ING                                    <\/option>\n                                                                    <option value=\"7\">\n                                        Claret IFN                                    <\/option>\n                                                            <\/select>\n                        <\/div>\n                    <\/div><!-- \/.brns-field-row -->\n\n                    <!-- Valoare credit (slider above, linked number input below) -->\n                    <div class=\"brns-field-group\">\n                        <label class=\"brns-label\">Valoare credit<\/label>\n                        <div class=\"brns-slider-wrap\">\n                            <input type=\"range\"\n                                   id=\"valoare-ipotecar\"\n                                   class=\"brns-slider\"\n                                   min=\"1\"\n                                   max=\"2500000\"\n                                   step=\"1000\"\n                                   value=\"200000\">\n                            <div class=\"brns-slider-limits\">\n                                <span>1 Lei<\/span>\n                                <span>2.500.000 Lei<\/span>\n                            <\/div>\n                        <\/div>\n                        <div class=\"brns-input-suffix\" style=\"margin-top:8px;\">\n                            <input type=\"number\" id=\"output-valoare-ipotecar\" class=\"brns-input brns-input--medium\"\n                                   value=\"200000\"\n                                   step=\"1000\">\n                            <span class=\"brns-suffix\">Lei<\/span>\n                        <\/div>\n                    <\/div>\n\n                    <!-- Dob\u00e2nd\u0103 fix\u0103 5 ani toggle\n                         ID: brns-fixa-row \u2014 JS hides this row when bank.no_fix === 1 -->\n                    <div class=\"brns-field-group brns-toggle-group\" id=\"brns-fixa-row\">\n                        <label class=\"brns-checkbox-label\">\n                            <input type=\"checkbox\" id=\"dobanda-fixa-ipotecar\" class=\"brns-checkbox\">\n                            <span class=\"brns-label\" style=\"margin:0;\">Dob\u00e2nd&#x103; fix&#x103; 5 ANI<\/span>\n                        <\/label>\n                    <\/div>\n\n                    <!-- Perioad\u0103 (slider + inline number input, side by side) -->\n                    <div class=\"brns-field-group\">\n                        <label class=\"brns-label\">Perioad&#x103; (luni)<\/label>\n                        <div class=\"brns-slider-row\">\n                            <input type=\"range\"\n                                   id=\"perioada-ipotecar\"\n                                   class=\"brns-slider\"\n                                   min=\"120\"\n                                   max=\"360\"\n                                   value=\"240\">\n                            <div class=\"brns-input-suffix\">\n                                <input type=\"number\" id=\"output-perioada-ipotecar\" class=\"brns-input brns-input--small\"\n                                       value=\"240\"\n                                       min=\"120\"\n                                       max=\"360\">\n                                <span class=\"brns-suffix\">Luni<\/span>\n                            <\/div>\n                        <\/div>\n                        <div class=\"brns-slider-limits\">\n                            <span>120 luni<\/span>\n                            <span>360 luni<\/span>\n                        <\/div>\n                    <\/div>\n\n                <\/div><!-- \/.brns-calc-body -->\n\n                <!-- Results \u2014 always visible, updated in real-time by JS -->\n                <div class=\"brns-results brns-results--gold\">\n                    <div class=\"brns-results-grid brns-results-grid--gold\">\n                        <div class=\"brns-result-item brns-result-item--highlight\">\n                            <span class=\"brns-result-label\">Rat&#x103; lunar&#x103;<\/span>\n                            <span class=\"brns-result-value brns-result-value--large\" id=\"rata-lunara-ipotecar\">\u2014<\/span>\n                        <\/div>\n                        <div class=\"brns-result-item\">\n                            <span class=\"brns-result-label\">Cost total credit<\/span>\n                            <span class=\"brns-result-value\" id=\"cost-total-credit-ipotecar\">\u2014<\/span>\n                        <\/div>\n                        <div class=\"brns-result-item\">\n                            <span class=\"brns-result-label\">Cost total pl&#x103;tibil<\/span>\n                            <span class=\"brns-result-value\" id=\"cost-total-platibil-ipotecar\">\u2014<\/span>\n                        <\/div>\n                        <div class=\"brns-result-item\">\n                            <span class=\"brns-result-label\">Indice IRCC<\/span>\n                            <span class=\"brns-result-value brns-gold\" id=\"ircc-value\">5.71%<\/span>\n                        <\/div>\n                        <div class=\"brns-result-item\">\n                            <span class=\"brns-result-label\">DAE<\/span>\n                            <span class=\"brns-result-value\" id=\"dae-ipotecar\">\u2014<\/span>\n                        <\/div>\n                        <div class=\"brns-result-item\">\n                            <span class=\"brns-result-label\">Status<\/span>\n                            <span class=\"brns-result-value\" id=\"status-ipotecar\">\u2014<\/span>\n                        <\/div>\n                    <\/div><!-- \/.brns-results-grid -->\n\n                    <p class=\"brns-asig\">\n                        Cost asigur&#x103;ri PAD + facultativ&#x103;:\n                        <strong>0.1%<\/strong>\n                        din valoarea creditului \/ an\n                        &nbsp;&mdash;&nbsp;\n                        Cost evaluare: Apartament <strong>470 Lei<\/strong>\n                        &nbsp;|&nbsp; Cas&#x103; <strong>590 Lei<\/strong>\n                    <\/p>\n                    <p class=\"brns-disclaimer\">*Pre\u021burile sunt estimative \u0219i se pot modifica \u00een func\u021bie de profilul fiec\u0103rui client.<\/p>\n\n                    <div class=\"brns-quote-btn-wrap\">\n                        <button type=\"button\" class=\"brns-quote-btn\">\n                            Solicit&#x103; o Ofert&#x103;\n                        <\/button>\n                    <\/div>\n                <\/div><!-- \/.brns-results -->\n\n            <\/form>\n\n                        <div class=\"brns-footer-notes\">\n                Indice IRCC: 5.71% | Asigur\u0103ri: 0.1% din valoarea creditului\/an<br \/>\nCost evaluare: Apartament 470 Lei | Cas\u0103 590 Lei<br \/>\nDob\u00e2nzi disponibile (IRCC + spread bancar):<br \/>\n  Libra Bank: variabil\u0103 7.96%<br \/>\n  BRD: variabil\u0103 7.96% | fix\u0103 5 ani 7.30%<br \/>\n  Banca Transilvania: variabil\u0103 7.96% | fix\u0103 5 ani 6.90%<br \/>\n  BCR: variabil\u0103 7.96% | fix\u0103 5 ani 7.18%<br \/>\n  First Bank: variabil\u0103 7.96% | fix\u0103 5 ani 6.99%<br \/>\n  Alpha Bank: variabil\u0103 7.96% | fix\u0103 5 ani 7.35%<br \/>\n  ING: variabil\u0103 7.96% | fix\u0103 5 ani 7.65%<br \/>\n  Claret IFN: variabil\u0103 29.71%<br \/>\n*Pre\u021burile sunt estimative \u0219i se pot modifica \u00een func\u021bie de profilul fiec\u0103rui client.            <\/div>\n                    <\/section>\n        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