{"id":652,"date":"2016-08-23T10:35:08","date_gmt":"2016-08-23T10:35:08","guid":{"rendered":"http:\/\/www.hitchmosher.ro\/blog\/?p=652"},"modified":"2017-02-19T13:27:16","modified_gmt":"2017-02-19T13:27:16","slug":"dictionar-de-termeni-imobiliari-ipoteca","status":"publish","type":"post","link":"https:\/\/hitchmosher.ro\/blog\/dictionar-de-termeni-imobiliari-ipoteca\/","title":{"rendered":"Dic\u021bionar de termeni imobiliari: Ipoteca"},"content":{"rendered":"<p><strong>Ipoteca<\/strong> este o form\u0103 de garan\u021bie des utilizat\u0103, care are rolul de a garanta obliga\u021biile unui debitor fa\u021b\u0103 de creditor. Ipoteca se realizeaz\u0103 prin intermediul unui imobil pe care debitorul \u00eel are \u00een patrimoniu \u0219i care este numit pe cale legal\u0103 \u00een acest scop. Acest bun imobil poate fi un teren, o cl\u0103dire, cas\u0103, apartament etc.\u00a0<!--more--><\/p>\n<p>\u00cen cazul creditelor acordate de b\u0103nci, pentru garantarea pl\u0103\u021bii se realizeaz\u0103 un contract de ipotec\u0103, ata\u0219at contractului de creditare. Astfel, dac\u0103 debitorul nu restituie ratele creditului, b\u0103ncii creditoare \u00eei revine dreptul de a vinde bunul ipotecat pentru a-\u0219i acoperi plata din suma ob\u021binut\u0103. \u0218i, \u00eentruc\u00e2t valoarea imobilului se poate diminua pe parcurs din cauza unor situa\u021bii neprev\u0103zute, bunurile ipotecate sunt asigurate la o firm\u0103 de asigurare.<\/p>\n<p>Dup\u0103 achitarea datoriei c\u0103tre banc\u0103 \u0219i \u00eencheierea perioadei de creditare, debitorul are dreptul de a conveni cu banca asupra radierii ipotecii. \u00cen acest caz, banca va anun\u021ba Oficiul de Cadastru \u0219i Publicitate Imobiliar\u0103 (OCPI) c\u0103 datoria a fost achitat\u0103 \u0219i \u00ee\u0219i ofer\u0103 acordul asupra \u0219tergerii ipotecii.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Ipoteca este o form\u0103 de garan\u021bie des utilizat\u0103, care are rolul de a garanta obliga\u021biile unui debitor fa\u021b\u0103 de creditor. Ipoteca se realizeaz\u0103 prin intermediul unui imobil pe care debitorul \u00eel are \u00een patrimoniu \u0219i care este numit pe cale legal\u0103 \u00een acest scop. Acest bun imobil poate fi un teren, o cl\u0103dire, cas\u0103, apartament [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":653,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[155],"tags":[],"_links":{"self":[{"href":"https:\/\/hitchmosher.ro\/blog\/wp-json\/wp\/v2\/posts\/652"}],"collection":[{"href":"https:\/\/hitchmosher.ro\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/hitchmosher.ro\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/hitchmosher.ro\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/hitchmosher.ro\/blog\/wp-json\/wp\/v2\/comments?post=652"}],"version-history":[{"count":2,"href":"https:\/\/hitchmosher.ro\/blog\/wp-json\/wp\/v2\/posts\/652\/revisions"}],"predecessor-version":[{"id":722,"href":"https:\/\/hitchmosher.ro\/blog\/wp-json\/wp\/v2\/posts\/652\/revisions\/722"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/hitchmosher.ro\/blog\/wp-json\/wp\/v2\/media\/653"}],"wp:attachment":[{"href":"https:\/\/hitchmosher.ro\/blog\/wp-json\/wp\/v2\/media?parent=652"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/hitchmosher.ro\/blog\/wp-json\/wp\/v2\/categories?post=652"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/hitchmosher.ro\/blog\/wp-json\/wp\/v2\/tags?post=652"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}