{"id":31159,"date":"2026-06-25T11:40:45","date_gmt":"2026-06-25T11:40:45","guid":{"rendered":"https:\/\/domek.nl\/questions\/ce-este-gradul-de-indatorare-ltv-si-de-ce-conteaza\/"},"modified":"2026-07-03T09:37:47","modified_gmt":"2026-07-03T09:37:47","slug":"ce-este-gradul-de-indatorare-ltv-si-de-ce-conteaza","status":"publish","type":"questions","link":"https:\/\/domek-nl.bearwithus.nl\/ro\/intrebari-frecvente\/ce-este-gradul-de-indatorare-ltv-si-de-ce-conteaza\/","title":{"rendered":"Ce este gradul de \u00eendatorare (LTV) \u0219i de ce conteaz\u0103?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Gradul de \u00eendatorare (LTV) este m\u0103rimea creditului raportat\u0103 la valoarea locuin\u021bei. Un LTV mai mic, adic\u0103 \u00eemprumu\u021bi mai pu\u021bin fa\u021b\u0103 de valoare, ofer\u0103 de obicei o dob\u00e2nd\u0103 mai bun\u0103, deoarece banca \u00ee\u0219i asum\u0103 un risc mai mic. Construirea de capital (overwaarde) sau pl\u0103\u021bile suplimentare \u00ee\u021bi scad LTV \u00een timp, ceea ce te poate califica pentru o dob\u00e2nd\u0103 mai mic\u0103.<\/p>\n","protected":false},"author":15,"featured_media":0,"template":"","meta":{"_acf_changed":false,"_seopress_titles_title":"Ce este loan-to-value (LTV) \u0219i de ce este important? | Domek.nl","_seopress_titles_desc":"LTV este raportul dintre ipotec\u0103 \u0219i valoarea locuin\u021bei. Un LTV mai mic \u00eenseamn\u0103 de obicei dob\u00e2nd\u0103 mai bun\u0103.","_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":"loan to value Olanda,LTV ipotec\u0103,credit ipotecar Olanda,valoare locuin\u021b\u0103 credit,overwaarde LTV,dob\u00e2nd\u0103 ipotec\u0103 NL,condi\u021bii credit,finan\u021bare locuin\u021b\u0103 NL,risc bancar","_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},"subject":[259],"class_list":["post-31159","questions","type-questions","status-publish","hentry","subject-credit-ipotecar"],"acf":[],"_links":{"self":[{"href":"https:\/\/domek-nl.bearwithus.nl\/ro\/wp-json\/wp\/v2\/questions\/31159","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/domek-nl.bearwithus.nl\/ro\/wp-json\/wp\/v2\/questions"}],"about":[{"href":"https:\/\/domek-nl.bearwithus.nl\/ro\/wp-json\/wp\/v2\/types\/questions"}],"author":[{"embeddable":true,"href":"https:\/\/domek-nl.bearwithus.nl\/ro\/wp-json\/wp\/v2\/users\/15"}],"wp:attachment":[{"href":"https:\/\/domek-nl.bearwithus.nl\/ro\/wp-json\/wp\/v2\/media?parent=31159"}],"wp:term":[{"taxonomy":"subject","embeddable":true,"href":"https:\/\/domek-nl.bearwithus.nl\/ro\/wp-json\/wp\/v2\/subject?post=31159"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}