{"id":482,"date":"2026-02-05T14:42:01","date_gmt":"2026-02-05T14:42:01","guid":{"rendered":"https:\/\/bizreport.ro\/?p=482"},"modified":"2026-02-05T14:45:16","modified_gmt":"2026-02-05T14:45:16","slug":"unicredit-bank-lanseaza-credite-pentru-achizitia-locuintei-cu-dobanda-fixa-in-primii-doi-ani-incepand-de-la-459-pe-an-plus-beneficii-suplimentare-pentru-clienti","status":"publish","type":"post","link":"https:\/\/bizreport.ro\/index.php\/2026\/02\/05\/unicredit-bank-lanseaza-credite-pentru-achizitia-locuintei-cu-dobanda-fixa-in-primii-doi-ani-incepand-de-la-459-pe-an-plus-beneficii-suplimentare-pentru-clienti\/","title":{"rendered":"UniCredit Bank lanseaz\u0103 credite\u00a0pentru achizi\u021bia locuin\u021bei\u00a0cu dob\u00e2nd\u0103 fix\u0103\u00a0\u00een primii doi ani,\u00a0\u00eencep\u00e2nd de la 4,59% pe an, plus beneficii suplimentare pentru clien\u021bi"},"content":{"rendered":"\n<p>Creditul ipotecar de achizi\u021bie locuin\u021b\u0103 include o <strong>dob\u00e2nd\u0103 fix\u0103 redus\u0103 de 4,69% pe an, \u00een primii 2 ani<\/strong>, urmat\u0103 de o dob\u00e2nd\u0103 variabil\u0103 redus\u0103, stabilit\u0103 \u00een func\u021bie de <strong>indicele de referin\u021b\u0103 IRCC + 2,25%<\/strong>,astfel \u00eenc\u00e2t clien\u021bii s\u0103-\u0219i poat\u0103 planifica u\u0219or bugetul \u0219i s\u0103 beneficieze, ulterior, de flexibilitatea condi\u021biilor din pia\u021b\u0103. Pentru a beneficia de dob\u00e2nd\u0103 redus\u0103 clien\u021bii trebuie s\u0103 \u00eendeplineasc\u0103 condi\u021biile de rulaj lunar \u0219i asigurare de via\u021b\u0103.<\/p>\n\n\n\n<p><strong>Creditul Ipotecar Verde<\/strong>, destinat locuin\u021belor cu eficien\u021b\u0103 energetic\u0103 clasa A sau superioar\u0103, poate fi accesat de clien\u021bii care au oferta tranzac\u021bional\u0103 de cont bancar Premium, \u00eendeplinesc condi\u021biile de rulaj lunar, asigurare de via\u021b\u0103 \u0219i \u00eencheie o poli\u021b\u0103 facultativ\u0103 de locuin\u021b\u0103, My Home, prin intermediul UniCredit Bank, beneficiaz\u0103 de o dob\u00e2nd\u0103 fix\u0103 redus\u0103 de &nbsp;<strong>4,59% pe an, \u00een primii 2 ani<\/strong> \u0219i ulterior variabil\u0103, <strong>IRCC + 2,20%<\/strong>.<\/p>\n\n\n\n<p><strong>Dob\u00e2nda standard<\/strong> practicat\u0103 de UniCredit Bank la cele 2 credite, \u00een cazul ne\u00eendeplinirii condi\u021biilor de rulaj \u0219i asigurare de via\u021b\u0103, este fix\u0103 de <strong>5,69% pe an, \u00een primii 2 ani<\/strong> \u0219i ulterior variabil\u0103 <strong>IRCC + 2,30%<\/strong>.<\/p>\n\n\n\n<p>Prin nivelul dob\u00e2nzii fixe, situat printre cele mai competitive din pia\u021b\u0103, produsul contribuie la reducerea efortului financiar lunar. Clien\u021bii care aleg s\u0103 refinan\u021beze un \u00eemprumut existent pot, de asemenea, s\u0103 optimizeze costurile prin accesarea acestei oferte, beneficiind de rate mai accesibile.<\/p>\n\n\n\n<p>\u201c<em>A spune \u201ccasa mea\u201d este unul dintre cele mai fericite \u0219i importante momente <\/em><em>din via\u021ba fiec\u0103ruia \u0219i ne dorim s\u0103 facem parte din astfel de reu\u0219ite. <\/em><em>Achizi\u021bia unei locuin\u021be poate s\u0103 fie mai simpl\u0103 \u0219i mai <\/em><em>u\u0219oar\u0103 <\/em><em>pentru clien\u021bi, printr-un produs de creditare avantajos, care permite o organizare eficient\u0103 a bugetului lunar. Dob\u00e2nda fix\u0103 din primii doi ani \u0219i condi\u021biile preferen\u021biale pentru locuin\u021bele eficiente energetic contribuie la un proces de finan\u021bare sustenabil \u0219i u\u0219or de gestionat<\/em><em>.\u201d, <\/em>a spus <strong>Antoaneta Curteanu, Vicepre\u0219edinte Executiv Retail, UniCredit Bank.<\/strong><\/p>\n\n\n\n<p>Totodat\u0103, prin intermediul campaniei <em>\u201c<\/em><em>Creditul Ipotecar\/imobiliar vine cu un cadou, pentru ce vrei tu\u201d <\/em><em>\u00a0<\/em>(valabil\u0103 p\u00e2n\u0103 la data de 30.04.2026), clien\u021bii beneficiaz\u0103 de un <strong>bonus de 2.000 de lei<\/strong>, sum\u0103 care va fi virat\u0103 \u00een contul curent \u0219i poate fi utilizat\u0103 pentru acoperirea costurilor conexe \u00eemprumutului.<\/p>\n\n\n\n<p>UniCredit Bank este parte a Grupului UniCredit, o Banc\u0103 Comercial\u0103 Pan European\u0103 cu o ofert\u0103 unic\u0103 de servicii \u00een Italia, Germania, Austria, Europa Central\u0103 \u0219i de Est. \u00cen Rom\u00e2nia, UniCredit Bank este una dintre principalele institu\u021bii financiare, oferind servicii \u0219i produse de \u00eenalt\u0103 calitate pentru toate categoriile de clien\u021bi. UniCredit Bank \u00ee\u0219i propune s\u0103 men\u021bin\u0103 permanent clientul \u00een centrul activit\u0103\u021bilor sale, s\u0103 fie un partener cu care se lucreaz\u0103 u\u0219or \u0219i s\u0103 fie o parte activ\u0103 a comunit\u0103\u021bilor \u00een care \u00ee\u0219i desf\u0103\u0219oar\u0103 activitatea. Digitalizarea \u0219i angajamentul nostru fa\u021b\u0103 de principiile ESG sunt factori cheie pentru serviciile noastre \u0219i ne ajut\u0103 s\u0103 oferim excelen\u021b\u0103 p\u0103r\u021bilor interesate \u0219i s\u0103 cre\u0103m un viitor sustenabil pentru clien\u021bii, comunit\u0103\u021bile \u0219i angaja\u021bii no\u0219tri.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Creditul ipotecar de achizi\u021bie locuin\u021b\u0103 include o dob\u00e2nd\u0103 fix\u0103 redus\u0103 de 4,69% pe an, \u00een primii 2 ani, urmat\u0103 de [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":484,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"disabled","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[6,3,1],"tags":[],"class_list":["post-482","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-imobiliare","category-macroeconomie","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/bizreport.ro\/index.php\/wp-json\/wp\/v2\/posts\/482","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bizreport.ro\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bizreport.ro\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bizreport.ro\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/bizreport.ro\/index.php\/wp-json\/wp\/v2\/comments?post=482"}],"version-history":[{"count":2,"href":"https:\/\/bizreport.ro\/index.php\/wp-json\/wp\/v2\/posts\/482\/revisions"}],"predecessor-version":[{"id":486,"href":"https:\/\/bizreport.ro\/index.php\/wp-json\/wp\/v2\/posts\/482\/revisions\/486"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bizreport.ro\/index.php\/wp-json\/wp\/v2\/media\/484"}],"wp:attachment":[{"href":"https:\/\/bizreport.ro\/index.php\/wp-json\/wp\/v2\/media?parent=482"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bizreport.ro\/index.php\/wp-json\/wp\/v2\/categories?post=482"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bizreport.ro\/index.php\/wp-json\/wp\/v2\/tags?post=482"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}