{"id":1790487,"date":"2026-02-23T12:23:44","date_gmt":"2026-02-23T09:23:44","guid":{"rendered":"https:\/\/analyse.optim.biz\/?p=1790487"},"modified":"2026-02-23T12:23:44","modified_gmt":"2026-02-23T09:23:44","slug":"refinanteaza-inteligent-exim-banca-romaneasca-plateste-taxele-pana-la-2-500-de-lei","status":"publish","type":"post","link":"https:\/\/analyse.optim.biz\/?p=1790487","title":{"rendered":"Refinan\u021beaz\u0103 inteligent \u2013 Exim Banca Rom\u00e2neasc\u0103 pl\u0103te\u0219te taxele p\u00e2n\u0103 la 2.500 de lei"},"content":{"rendered":"<p>[analyse_image type=&#8221;featured&#8221; src=&#8221;https:\/\/ziardesuceava.ro\/wp-content\/uploads\/2026\/02\/Exim_Refinantare-1-redimensionata-la-900&#215;900-redimensionata-la-750&#215;750-1.jpeg&#8221;]<\/p>\n<div class=\"post-content clearfix\">\n<div class=\"blog-post-thumb\"><img loading=\"lazy\" decoding=\"async\" width=\"750\" height=\"694\" src=\"https:\/\/ziardesuceava.ro\/wp-content\/uploads\/2026\/02\/Exim_Refinantare-1-redimensionata-la-900x900-redimensionata-la-750x750-1-750x694.jpeg\" class=\"attachment-inhype-blog-thumb size-inhype-blog-thumb wp-post-image\" alt><\/div>\n<div class=\"entry-content\">\n<div>\n<p>Exim Banca Rom\u00e2neasc\u0103 lanseaz\u0103 o facilitate dedicat\u0103 persoanelor fizice care doresc s\u0103 \u00ee\u0219i optimizeze costurile prin refinan\u021barea unui credit de investi\u021bii imobiliare contractat de la o alt\u0103 institu\u021bie financiar\u0103, cu o ofert\u0103 de la 4,99%, dob\u00e2nd\u0103 fix\u0103 \u00een primii 3 ani, ulterior variabil\u0103, la care se adaug\u0103 decontarea cheltuielilor de refinan\u021bare \u00een limita a 2.500 de lei.<\/p>\n<p>Astfel, pentru cei care solicit\u0103 p\u00e2n\u0103 la 30 aprilie 2026 un <a href=\"https:\/\/www.eximbank.ro\/2022\/11\/09\/creditul-ipotecar-pentru-refinantare\/\" target=\"_blank\" rel=\"noopener\">credit de investi\u021bii imobiliare pentru refinan\u021bare<\/a>, Exim Banca Rom\u00e2neasc\u0103 acoper\u0103, \u00een limita a 2.500 de lei, cheltuielile asociate acestei tranzac\u021bii precum taxe notariale pentru autentificarea contractului de ipotec\u0103, taxe pentru intabularea ipotecii \u00een cartea funciar\u0103, taxe eliberare extrase carte funciar\u0103, taxa de evaluare imobil adus \u00een garan\u021bie etc.<\/p>\n<p>Pentru a beneficia de aceast\u0103 ofert\u0103, persoanele fizice trebuie s\u0103 solicite p\u00e2n\u0103 la 30 aprilie 2026 un credit de investi\u021bii imobiliare pentru refina\u021bare, pe care s\u0103-l utilizeze p\u00e2n\u0103 la 30 iunie 2026, \u0219i s\u0103 opteze pentru asigurarea facultativ\u0103 a imobilului oferit\u0103 de EximAsig.<\/p>\n<p>Pentru recuperarea cheltuielilor de refinan\u021bare, solicitan\u021bii vor prezenta la banc\u0103 facturi, bonuri fiscale \u0219i\/sau extrase de cont (pentru dovada pl\u0103\u021bii prin transfer bancar).<\/p>\n<p>Pachetul de creditare al b\u0103ncii pentru investi\u021bii imobiliare include oferta promo\u021bional\u0103 Casa A+, solu\u021bie de finan\u021bare ipotecar\u0103 cu dob\u00e2nd\u0103 fix\u0103 de 4,99% pe an, \u00een primii 3 ani, ulterior variabil\u0103, care \u00eencurajeaz\u0103 investi\u021biile \u00een locuin\u021be eficiente energetic oferind totodat\u0103 protec\u021bie \u00eempotriva fluctua\u021biilor de dob\u00e2nd\u0103.<\/p>\n<p>Astfel, persoanele fizice care decid s\u0103 \u00ee\u0219i \u00eencaseze veniturile prin banc\u0103, pot accesa \u00eemprumuturi cu o dob\u00e2nd\u0103 fix\u0103 de 4,99% pe an, \u00een primii 3 ani, ulterior variabil\u0103, pentru achizi\u021bionarea de locuin\u021be \u00eencadrate \u00een clasa energetic\u0103 A sau certificate\u00a0Green Homes de c\u0103tre Consiliul Rom\u00e2n pentru Cl\u0103diri Verzi, c\u00e2t \u0219i pentru refinan\u021barea creditelor cu destina\u021bie imobiliar\u0103 de la alte b\u0103nci. La finalul celor trei ani, dob\u00e2nda va fi variabil\u0103, respectiv 2,29% + IRCC. Oferta Casa A+ este valabil\u0103 p\u00e2n\u0103 la 30 aprilie 2026.<\/p>\n<p>Pentru locuin\u021bele care nu se \u00eencadreaz\u0103 \u00een clasa energetic\u0103 A, Exim Banca Rom\u00e2neasc\u0103 pune la dispozi\u021bie o alternativ\u0103 de finan\u021bare competitiv\u0103, cu o dob\u00e2nd\u0103 fix\u0103 de 5,20% pe an, \u00een primii 3 ani, urmat\u0103 de o dob\u00e2nd\u0103 variabil\u0103 de 2,50% + IRCC, pentru clien\u021bii care \u00ee\u0219i \u00eencaseaz\u0103 veniturile prin banc\u0103.<\/p>\n<p>Banca acoper\u0103 cheltuielile de refinan\u021bare de p\u00e2n\u0103 la p\u00e2n\u0103 la 2.500 de lei at\u00e2t pentru oferta promo\u021bional\u0103 Casa A+, c\u00e2t \u0219i pentru creditul ipotecar standard.<\/p>\n<p>Exim Banca Rom\u00e2neasc\u0103 este o banc\u0103 universal\u0103 100% rom\u00e2neasc\u0103, aflat\u0103 \u00een top 10 cele mai mari institu\u0163ii de cre\u00addit dup\u0103 active.<\/p>\n<\/div>\n<\/div>\n<div class=\"inhype-social-share-fixed sidebar-position-right\">\n<div class=\"post-social-wrapper\">\n<div class=\"post-social-title\"><span class=\"post-social-title-text\">Share<\/span><\/div>\n<\/div>\n<\/div>\n<\/div>\n<p>[analyse_source url=&#8221;https:\/\/ziardesuceava.ro\/refinanteaza-inteligent-exim-banca-romaneasca-plateste-taxele-pana-la-2-500-de-lei\/&#8221;]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>[analyse_image type=&#8221;featured&#8221; src=&#8221;https:\/\/ziardesuceava.ro\/wp-content\/uploads\/2026\/02\/Exim_Refinantare-1-redimensionata-la-900&#215;900-redimensionata-la-750&#215;750-1.jpeg&#8221;] Exim Banca Rom\u00e2neasc\u0103 lanseaz\u0103 o facilitate dedicat\u0103 persoanelor fizice care doresc s\u0103 \u00ee\u0219i optimizeze costurile prin refinan\u021barea unui credit de investi\u021bii imobiliare contractat de la o alt\u0103 institu\u021bie financiar\u0103, cu o ofert\u0103 de la 4,99%, dob\u00e2nd\u0103 fix\u0103 \u00een primii 3 ani, ulterior variabil\u0103, la care se adaug\u0103 decontarea cheltuielilor de refinan\u021bare \u00een [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[89],"tags":[226,171],"class_list":["post-1790487","post","type-post","status-publish","format-standard","hentry","category-romania","tag-crawlmanager","tag-ziardesuceava-ro"],"_links":{"self":[{"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=\/wp\/v2\/posts\/1790487","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1790487"}],"version-history":[{"count":0,"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=\/wp\/v2\/posts\/1790487\/revisions"}],"wp:attachment":[{"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1790487"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1790487"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1790487"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}