{"id":25847,"date":"2026-05-05T12:48:53","date_gmt":"2026-05-05T12:48:53","guid":{"rendered":"https:\/\/domek-nl.bearwithus.nl\/?post_type=blog&#038;p=25847"},"modified":"2026-06-26T22:14:51","modified_gmt":"2026-06-26T22:14:51","slug":"regulile-ipotecare-se-schimba-in-2026-veti-putea-imprumuta-mai-putin","status":"publish","type":"blog","link":"https:\/\/domek-nl.bearwithus.nl\/ro\/stiri-si-sfaturi\/regulile-ipotecare-se-schimba-in-2026-veti-putea-imprumuta-mai-putin\/","title":{"rendered":"Regulile ipotecare se schimb\u0103 \u00een 2026: ve\u021bi putea \u00eemprumuta mai pu\u021bin"},"content":{"rendered":"\n<p class=\"font-weight-bold wp-block-paragraph\">A\u021bi putea pierde zeci de mii de euro din capacitatea de creditare \u2014 f\u0103r\u0103 nicio modificare a veniturilor dumneavoastr\u0103.<\/p>\n\n\n\n<p class=\"font-weight-bold wp-block-paragraph\">Din 2026 vor intra \u00een vigoare noi reguli care vor reduce c\u00e2t de mult pot \u00eemprumuta multe persoane pentru a cump\u0103ra o locuin\u021b\u0103 \u00een \u021a\u0103rile de Jos. Pentru unii cump\u0103r\u0103tori, acest lucru poate \u00eensemna ajustarea planurilor sau chiar renun\u021barea la proprietatea dorit\u0103.<\/p>\n\n\n\n<p class=\"font-weight-bold wp-block-paragraph\">Afla\u021bi c\u00e2t a\u021bi putea pierde \u0219i de ce 2025 ar putea fi ultima \u0219ans\u0103 de a ob\u021bine o ipotec\u0103 mai mare.<\/p>\n\n\n<figure class=\"wp-block-post-featured-image\"><img decoding=\"async\" src=\"https:\/\/domek-nl.bearwithus.nl\/wp-content\/uploads\/2026\/05\/mortgage-rules-changing-2026.jpg\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Declining mortgage borrowing capacity in the Netherlands from 2024 to 2027 illustrated with houses and a downward trend graph\" style=\"object-fit:cover;\" srcset=\"https:\/\/domek-nl.bearwithus.nl\/wp-content\/uploads\/2026\/05\/mortgage-rules-changing-2026.jpg 1200w, https:\/\/domek-nl.bearwithus.nl\/wp-content\/uploads\/2026\/05\/mortgage-rules-changing-2026-300x157.jpg 300w, https:\/\/domek-nl.bearwithus.nl\/wp-content\/uploads\/2026\/05\/mortgage-rules-changing-2026-1024x536.jpg 1024w, https:\/\/domek-nl.bearwithus.nl\/wp-content\/uploads\/2026\/05\/mortgage-rules-changing-2026-768x402.jpg 768w, https:\/\/domek-nl.bearwithus.nl\/wp-content\/uploads\/2026\/05\/mortgage-rules-changing-2026-690x361.jpg 690w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/><\/figure>\n\n\n<h2 class=\"wp-block-heading\">Noile reguli \u00eenseamn\u0103 capacitate de \u00eemprumut mai mic\u0103<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Dac\u0103 pl\u0103nui\u021bi s\u0103 cump\u0103ra\u021bi o locuin\u021b\u0103 \u00een \u021a\u0103rile de Jos, urm\u0103toarele luni sunt esen\u021biale. Din ianuarie 2026 vor intra \u00een vigoare noi reguli ipotecare. \u00cen practic\u0103, acest lucru \u00eenseamn\u0103 un singur lucru: cu acela\u0219i venit, ve\u021bi putea \u00eemprumuta mai pu\u021bini bani.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Aceast\u0103 schimbare afecteaz\u0103 to\u021bi cump\u0103r\u0103torii, inclusiv expa\u021bii care tr\u0103iesc \u0219i lucreaz\u0103 \u00een \u021a\u0103rile de Jos.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00cen fiecare an, Nibud actualizeaz\u0103 standardele folosite de b\u0103nci pentru calculul sumei maxime a ipotecii. Aceste standarde stabilesc ce parte din venit poate fi alocat\u0103 \u00een siguran\u021b\u0103 costurilor locuin\u021bei.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pe m\u0103sur\u0103 ce costul vie\u021bii cre\u0219te, standardele pentru 2026 devin mai stricte. Asta \u00eenseamn\u0103 c\u0103 o parte mai mare din venit va fi necesar\u0103 pentru cheltuielile zilnice, iar mai pu\u021bin va r\u0103m\u00e2ne pentru plata ipotecii.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Exemplu simplu al impactului din 2026<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">S\u0103 presupunem c\u0103 dumneavoastr\u0103 \u0219i partenerul c\u00e2\u0219tiga\u021bi aproximativ 2.750 \u20ac pe lun\u0103 fiecare. \u00cempreun\u0103, venitul este de 5.500 \u20ac.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Conform regulilor din 2025, pute\u021bi \u00eemprumuta aproximativ 356.000 \u20ac.<br>Conform regulilor din 2026, suma scade la aproximativ 336.000 \u20ac.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Aceasta este o diferen\u021b\u0103 de 20.000 \u20ac.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Aceast\u0103 diferen\u021b\u0103 poate decide dac\u0103 pute\u021bi cump\u0103ra o anumit\u0103 locuin\u021b\u0103 \u2014 mai ales dac\u0103 sunte\u021bi deja aproape de limita maxim\u0103 de creditare.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Cine va fi cel mai afectat?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Schimb\u0103rile vor afecta \u00een special:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>cump\u0103r\u0103torii afla\u021bi la prima achizi\u021bie<\/li>\n\n\n\n<li>cuplurile cu venituri medii<\/li>\n\n\n\n<li>expa\u021bii<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Aceste grupuri depind cel mai mult de capacitatea de \u00eemprumut atunci c\u00e2nd cump\u0103r\u0103 o locuin\u021b\u0103. Chiar \u0219i o mic\u0103 modificare poate avea un impact semnificativ.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u00cenc\u0103 pute\u021bi beneficia de regulile din 2025<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Exist\u0103 \u0219i o veste bun\u0103 \u2014 \u00eenc\u0103 mai ave\u021bi timp s\u0103 profita\u021bi de regulile actuale, mai avantajoase.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dac\u0103 \u00eencepe\u021bi procesul de ipotec\u0103 \u00een 2025, pute\u021bi ob\u021bine o capacitate de \u00eemprumut mai mare. O simulare sau o cerere \u00eenceput\u0103 \u00een acest an poate fi utilizat\u0103 ulterior, dac\u0103 documentele sunt finalizate la timp.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cu c\u00e2t ac\u021biona\u021bi mai repede, cu at\u00e2t ave\u021bi mai multe op\u021biuni.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Ce ar trebui s\u0103 face\u021bi acum<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u00cencepe\u021bi prin a verifica c\u00e2t pute\u021bi \u00eemprumuta conform regulilor din 2025. Acest lucru v\u0103 ofer\u0103 o imagine clar\u0103 asupra op\u021biunilor actuale.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Apoi compara\u021bi capacitatea de creditare pentru 2025 \u0219i 2026 pentru a vedea c\u00e2t v-ar putea costa a\u0219teptarea.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00cen final, discuta\u021bi cu un consultant care v\u0103 poate explica totul \u00een limba dumneavoastr\u0103 \u0219i v\u0103 ajut\u0103 s\u0103 lua\u021bi decizia corect\u0103 la momentul potrivit.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Domek sprijin\u0103 expa\u021bii la fiecare pas<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">La Domek, sprijinim expa\u021bii pe tot parcursul procesului de cump\u0103rare a unei locuin\u021be \u2014 de la g\u0103sirea propriet\u0103\u021bii p\u00e2n\u0103 la ob\u021binerea ipotecii \u0219i finalizarea formalit\u0103\u021bilor.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cu peste 15 ani de experien\u021b\u0103 \u0219i o echip\u0103 de peste 100 de speciali\u0219ti, v\u0103 ajut\u0103m s\u0103 \u00een\u021belege\u021bi op\u021biunile, s\u0103 compara\u021bi b\u0103ncile \u0219i s\u0103 alege\u021bi solu\u021bia potrivit\u0103.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Consultan\u021bii no\u0219tri v\u0103 ghideaz\u0103 pas cu pas \u2014 de la calculul capacit\u0103\u021bii de \u00eemprumut p\u00e2n\u0103 la depunerea cererii. Dac\u0103 decide\u021bi s\u0103 cump\u0103ra\u021bi, ne ocup\u0103m de tot procesul \u00eenainte, \u00een timpul \u0219i dup\u0103 achizi\u021bie.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Suna\u021bi la <strong><a href=\"tel:+31881021500\" data-type=\"tel\" data-id=\"tel:+31881021500\">088 1021 500<\/a><\/strong>, trimite\u021bi un e-mail la <a><strong>info@domek.nl<\/strong><\/a> sau completa\u021bi formularul de contact.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Preg\u0103ti\u021bi-v\u0103 pentru schimb\u0103rile din 2026<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Schimb\u0103rile vin, dar v\u0103 pute\u021bi preg\u0103ti.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dac\u0103 dori\u021bi s\u0103 beneficia\u021bi de o capacitate de creditare mai mare \u00een 2025, este recomandat s\u0103 ac\u021biona\u021bi acum. Astfel ave\u021bi un buget mai mare \u0219i mai multe op\u021biuni pe pia\u021b\u0103.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Calcula\u021bi capacitatea de \u00eemprumut sau programa\u021bi o consulta\u021bie gratuit\u0103 pe Domek.nl \u0219i asigura\u021bi-v\u0103 op\u021biunile \u00eenainte de schimb\u0103rile din 2026.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Surs\u0103<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Acest articol se bazeaz\u0103 pe informa\u021bii de la Nibud \u0219i pe ghidurile generale utilizate de creditorii olandezi pentru stabilirea standardelor ipotecare din 2025 \u0219i 2026.<\/p>\n","protected":false},"author":20,"featured_media":25846,"template":"","meta":{"_acf_changed":false,"_seopress_titles_title":"Reguli ipotecare 2026: ve\u021bi \u00eemprumuta mai pu\u021bin","_seopress_titles_desc":"Din 2026, \u00een \u021a\u0103rile de Jos ve\u021bi putea \u00eemprumuta mai pu\u021bin. Afla\u021bi cum pute\u021bi ob\u021bine o ipotec\u0103 mai mare \u00een 2025 cu Domek.","_seopress_robots_index":"","_seopress_robots_follow":"","_seopress_robots_imageindex":"","_seopress_robots_snippet":"","_seopress_robots_primary_cat":"","_seopress_robots_breadcrumbs":"","_seopress_robots_freeze_modified_date":"","_seopress_robots_custom_modified_date":"","_seopress_robots_canonical":"","_seopress_social_fb_title":"","_seopress_social_fb_desc":"","_seopress_social_fb_img":"","_seopress_social_fb_img_attachment_id":0,"_seopress_social_fb_img_width":0,"_seopress_social_fb_img_height":0,"_seopress_social_twitter_title":"","_seopress_social_twitter_desc":"","_seopress_social_twitter_img":"","_seopress_social_twitter_img_attachment_id":0,"_seopress_social_twitter_img_width":0,"_seopress_social_twitter_img_height":0,"_seopress_redirections_value":"","_seopress_redirections_enabled":"","_seopress_redirections_enabled_regex":"","_seopress_redirections_logged_status":"","_seopress_redirections_param":"","_seopress_redirections_type":0,"_seopress_analysis_target_kw":"","_seopress_news_disabled":"","_seopress_video_disabled":"","_seopress_video":[],"_seopress_pro_schemas_manual":[],"_seopress_pro_rich_snippets_disable_all":"","_seopress_pro_rich_snippets_disable":[],"_seopress_pro_schemas":[],"inline_featured_image":false},"blog_categorie":[37],"class_list":["post-25847","blog","type-blog","status-publish","has-post-thumbnail","hentry","blog_categorie-credit-ipotecar"],"acf":[],"_links":{"self":[{"href":"https:\/\/domek-nl.bearwithus.nl\/ro\/wp-json\/wp\/v2\/blog\/25847","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/domek-nl.bearwithus.nl\/ro\/wp-json\/wp\/v2\/blog"}],"about":[{"href":"https:\/\/domek-nl.bearwithus.nl\/ro\/wp-json\/wp\/v2\/types\/blog"}],"author":[{"embeddable":true,"href":"https:\/\/domek-nl.bearwithus.nl\/ro\/wp-json\/wp\/v2\/users\/20"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/domek-nl.bearwithus.nl\/ro\/wp-json\/wp\/v2\/media\/25846"}],"wp:attachment":[{"href":"https:\/\/domek-nl.bearwithus.nl\/ro\/wp-json\/wp\/v2\/media?parent=25847"}],"wp:term":[{"taxonomy":"blog_categorie","embeddable":true,"href":"https:\/\/domek-nl.bearwithus.nl\/ro\/wp-json\/wp\/v2\/blog_categorie?post=25847"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}