{"id":32,"date":"2026-07-08T21:40:34","date_gmt":"2026-07-08T21:40:34","guid":{"rendered":"https:\/\/odochian.eu\/RO\/?page_id=32"},"modified":"2026-07-09T00:32:49","modified_gmt":"2026-07-09T00:32:49","slug":"calculator-imprumut","status":"publish","type":"page","link":"https:\/\/odochian.eu\/RO\/calculator-imprumut\/","title":{"rendered":"Calculator \u00eemprumut"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"32\" class=\"elementor elementor-32\">\n\t\t\t\t<div class=\"elementor-element elementor-element-314a4de e-flex e-con-boxed e-con e-parent\" data-id=\"314a4de\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8493f90 elementor-widget elementor-widget-html\" data-id=\"8493f90\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<div style=\"font-family: 'Segoe UI', Roboto, Helvetica, Arial, sans-serif; color: #2b2b2b; line-height: 1.6; max-width: 1200px; margin: 0 auto; padding: 0 15px; box-sizing: border-box;\">\n\n    <!-- HEADER INTRAPAGIN\u0102 -->\n    <section style=\"background: linear-gradient(135deg, #004b93 0%, #002d59 100%); padding: 50px 20px; text-align: center; border-radius: 12px; color: #ffffff; box-shadow: 0 4px 20px rgba(0,75,147,0.15); margin-bottom: 40px; margin-top: 20px; position: relative; overflow: hidden;\">\n        <div style=\"position: absolute; bottom: 0; left: 0; width: 100%; height: 6px; display: flex;\">\n            <div style=\"flex: 1; background-color: #004b93;\"><\/div>\n            <div style=\"flex: 1; background-color: #fcd116;\"><\/div>\n            <div style=\"flex: 1; background-color: #d6221d;\"><\/div>\n        <\/div>\n        <h1 style=\"font-size: 2.5rem; margin: 0; font-weight: 700; color: #ffffff; text-shadow: 1px 1px 2px rgba(0,0,0,0.2);\">Calculator \u00cemprumut C.A.R.<\/h1>\n        <p style=\"font-size: 1.1rem; margin-top: 10px; margin-bottom: 0; opacity: 0.9; font-weight: 300;\">Simula\u021bi planul de rambursare \u00een regim de rate descresc\u0103toare<\/p>\n    <\/section>\n\n    <!-- GRID CENTRAL: CALCULATOR + EXPLICA\u021aII -->\n    <section style=\"display: grid; grid-template-columns: repeat(auto-fit, minmax(320px, 1fr)); gap: 40px; margin-bottom: 60px; align-items: start;\">\n        \n        <!-- CASETA INTERACTIV\u0102 A SIMULATORULUI -->\n        <div class=\"box-calculator-indep-car\" style=\"background: #ffffff; border: 1px solid #e1e8ed; padding: 35px 30px; border-radius: 12px; box-shadow: 0 10px 25px rgba(0,0,0,0.05); position: relative;\">\n            <h3 style=\"color: #004b93; text-align: center; margin-top: 0; margin-bottom: 25px; font-size: 1.4rem; font-weight: 700;\">Configura\u021bi \u00cemprumutul<\/h3>\n            \n            <div style=\"margin-bottom: 20px;\">\n                <div style=\"display: flex; justify-content: space-between; font-weight: bold; margin-bottom: 8px; color: #333;\">\n                    <label>Suma Solicitat\u0103:<\/label>\n                    <span class=\"lbl-suma-indep-car\" style=\"color: #004b93; font-size: 1.1rem; font-weight: bold;\">5.000 LEI<\/span>\n                <\/div>\n                <input type=\"range\" class=\"range-indep-car\" min=\"1000\" max=\"40000\" step=\"1000\" value=\"5000\" style=\"width: 100%; cursor: pointer; accent-color: #004b93;\" \n                       oninput=\"\n                        var p = this.parentElement.parentElement;\n                        var s = parseFloat(this.value);\n                        var l = parseInt(p.querySelector('.select-luni-indep-car').value);\n                        p.querySelector('.lbl-suma-indep-car').innerText = s.toLocaleString('ro-RO') + ' LEI';\n                        var principal = s \/ l;\n                        var dobLuna = 0.15 \/ 12;\n                        var prima = principal + (s * dobLuna);\n                        var ultima = principal + (principal * dobLuna);\n                        p.querySelector('.val-prima-indep-car').innerText = prima.toLocaleString('ro-RO', {minimumFractionDigits:2, maximumFractionDigits:2}) + ' LEI';\n                        p.querySelector('.val-ultima-indep-car').innerText = ultima.toLocaleString('ro-RO', {minimumFractionDigits:2, maximumFractionDigits:2}) + ' LEI';\n                       \"\n                       onchange=\"\n                        var p = this.parentElement.parentElement;\n                        var s = parseFloat(this.value);\n                        var l = parseInt(p.querySelector('.select-luni-indep-car').value);\n                        p.querySelector('.lbl-suma-indep-car').innerText = s.toLocaleString('ro-RO') + ' LEI';\n                        var principal = s \/ l;\n                        var dobLuna = 0.15 \/ 12;\n                        var prima = principal + (s * dobLuna);\n                        var ultima = principal + (principal * dobLuna);\n                        p.querySelector('.val-prima-indep-car').innerText = prima.toLocaleString('ro-RO', {minimumFractionDigits:2, maximumFractionDigits:2}) + ' LEI';\n                        p.querySelector('.val-ultima-indep-car').innerText = ultima.toLocaleString('ro-RO', {minimumFractionDigits:2, maximumFractionDigits:2}) + ' LEI';\n                       }\">\n                <div style=\"display: flex; justify-content: space-between; color: #888; font-size: 0.8rem; margin-top: 4px;\">\n                    <span>1.000 LEI<\/span>\n                    <span>40.000 LEI<\/span>\n                <\/div>\n            <\/div>\n            \n            <div style=\"margin-bottom: 25px;\">\n                <label style=\"display: block; font-weight: bold; margin-bottom: 8px; color: #333;\">Perioada de Rambursare:<\/label>\n                <select class=\"select-luni-indep-car\" style=\"width: 100%; padding: 12px; border: 1px solid #ccc; border-radius: 6px; font-size: 1rem; box-sizing: border-box; background-color: #fff; cursor: pointer;\"\n                        onchange=\"\n                         var p = this.parentElement.parentElement;\n                         var s = parseFloat(p.querySelector('.range-indep-car').value);\n                         var l = parseInt(this.value);\n                         var principal = s \/ l;\n                         var dobLuna = 0.15 \/ 12;\n                         var prima = principal + (s * dobLuna);\n                         var ultima = principal + (principal * dobLuna);\n                         p.querySelector('.val-prima-indep-car').innerText = prima.toLocaleString('ro-RO', {minimumFractionDigits:2, maximumFractionDigits:2}) + ' LEI';\n                         p.querySelector('.val-ultima-indep-car').innerText = ultima.toLocaleString('ro-RO', {minimumFractionDigits:2, maximumFractionDigits:2}) + ' LEI';\n                        \">\n                    <option value=\"6\">6 Luni<\/option>\n                    <option value=\"12\" selected=\"selected\">12 Luni (1 An)<\/option>\n                    <option value=\"24\">24 Luni (2 Ani)<\/option>\n                    <option value=\"36\">36 Luni (3 Ani)<\/option>\n                    <option value=\"48\">48 Luni (4 Ani)<\/option>\n                    <option value=\"60\">60 Luni (5 Ani)<\/option>\n                <\/select>\n            <\/div>\n            \n            <div style=\"background: #fffcfc; padding: 20px; border-radius: 8px; border-left: 5px solid #d6221d; margin-bottom: 20px;\">\n                <div style=\"display: flex; justify-content: space-between; align-items: center; margin-bottom: 10px; border-bottom: 1px dashed #e1e8ed; padding-bottom: 8px;\">\n                    <span style=\"font-size: 0.85rem; color: #555555; text-transform: uppercase; font-weight: 600;\">Prima Rat\u0103 (Maxim\u0103):<\/span>\n                    <span class=\"val-prima-indep-car\" style=\"font-size: 1.4rem; font-weight: bold; color: #d6221d;\">479,17 LEI<\/span>\n                <\/div>\n                <div style=\"display: flex; justify-content: space-between; align-items: center;\">\n                    <span style=\"font-size: 0.85rem; color: #555555; text-transform: uppercase; font-weight: 600;\">Ultima Rat\u0103 (Minim\u0103):<\/span>\n                    <span class=\"val-ultima-indep-car\" style=\"font-size: 1.4rem; font-weight: bold; color: #004b93;\">421,88 LEI<\/span>\n                <\/div>\n            <\/div>\n            <a href=\"\/inscriere-on-line\/\" style=\"display: block; background-color: #fcd116; color: #002d59; text-align: center; padding: 14px; text-decoration: none; font-weight: bold; border-radius: 6px; font-size: 1rem; box-shadow: 0 4px 10px rgba(252,209,22,0.25);\">Solicit\u0103 acest \u00eemprumut online<\/a>\n        <\/div>\n\n        <!-- TEXT INFORMATIV LATERAL -->\n        <div style=\"padding-top: 10px;\">\n            <h2 style=\"color: #004b93; font-size: 1.6rem; margin-top: 0; margin-bottom: 15px; font-weight: 700;\">Cum func\u021bioneaz\u0103 ratele descresc\u0103toare?<\/h2>\n            <div style=\"display: flex; width: 50px; height: 4px; margin-bottom: 20px; border-radius: 2px; overflow: hidden;\">\n                <div style=\"flex: 1; background-color: #004b93;\"><\/div>\n                <div style=\"flex: 1; background-color: #fcd116;\"><\/div>\n                <div style=\"flex: 1; background-color: #d6221d;\"><\/div>\n            <\/div>\n            <p style=\"font-size: 1rem; color: #444444; margin-bottom: 15px;\">\n                \u00cen sistemul descresc\u0103tor utilizat de Asocia\u021bia C.A.R. P\u0103use\u0219ti M\u0103gla\u0219i, principalul (suma \u00eemprumutat\u0103 \u00eemp\u0103r\u021bit\u0103 la num\u0103rul de luni) se achit\u0103 \u00een mod egal \u00een fiecare lun\u0103 [Sicar2009].\n            <\/p>\n            <p style=\"font-size: 1rem; color: #444444; margin-bottom: 15px;\">\n                Dob\u00e2nda nominal\u0103 fix\u0103 de <strong>15% pe an<\/strong> se aplic\u0103 \u00een fiecare lun\u0103 strict la soldul creditului r\u0103mas de plat\u0103, nu la suma ini\u021bial\u0103 [Sicar2009]. Din acest motiv, valoarea dob\u00e2nzii scade lun\u0103 de lun\u0103, f\u0103c\u00e2nd ca primele rate s\u0103 fie cele mai mari, iar ultimele cele mai mici.\n            <\/p>\n            <p style=\"font-size: 1rem; color: #444444; font-weight: 600;\">\n                Avantajul principal: Costul total al \u00eemprumutului este mult mai mic comparativ cu sistemul bancar clasic cu rate egale (anuit\u0103\u021bi).\n            <\/p>\n        <\/div>\n    <\/section>\n\n    <!-- FOOTER ALBASTRU INTEGRAT -->\n    <div style=\"background: linear-gradient(135deg, #002d59 0%, #001f3f 100%); padding: 40px 30px; border-radius: 12px; color: #ffffff; box-shadow: 0 -4px 15px rgba(0,0,0,0.05); box-sizing: border-box;\">\n        <div style=\"display: grid; grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)); gap: 30px; text-align: left;\">\n            <div>\n                <h4 style=\"color: #fcd116; font-size: 1.1rem; margin-top: 0; margin-bottom: 15px; font-weight: 700;\">Linkuri Utile<\/h4>\n                <ul style=\"list-style: none; padding: 0; margin: 0; font-size: 0.95rem; line-height: 2;\">\n                    <li><a href=\"\/\" style=\"color: #ffffff; text-decoration: none;\">Acas\u0103 (Home)<\/a><\/li>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Calculator \u00cemprumut C.A.R. Simula\u021bi planul de rambursare \u00een regim de rate descresc\u0103toare Configura\u021bi \u00cemprumutul Suma Solicitat\u0103: 5.000 LEI 1.000 LEI [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"site-sidebar-layout":"no-sidebar","site-content-layout":"","ast-site-content-layout":"full-width-container","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":""},"class_list":["post-32","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/odochian.eu\/RO\/wp-json\/wp\/v2\/pages\/32","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/odochian.eu\/RO\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/odochian.eu\/RO\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/odochian.eu\/RO\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/odochian.eu\/RO\/wp-json\/wp\/v2\/comments?post=32"}],"version-history":[{"count":13,"href":"https:\/\/odochian.eu\/RO\/wp-json\/wp\/v2\/pages\/32\/revisions"}],"predecessor-version":[{"id":217,"href":"https:\/\/odochian.eu\/RO\/wp-json\/wp\/v2\/pages\/32\/revisions\/217"}],"wp:attachment":[{"href":"https:\/\/odochian.eu\/RO\/wp-json\/wp\/v2\/media?parent=32"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}