{"id":94,"date":"2021-04-17T14:39:03","date_gmt":"2021-04-17T14:39:03","guid":{"rendered":"https:\/\/iovufinancialservices.co.uk\/2021\/04\/17\/to-do-list-for-a-team\/"},"modified":"2026-04-06T18:29:47","modified_gmt":"2026-04-06T18:29:47","slug":"cum-obtii-un-credit-ipotecar-daca-lucrezi-in-constructii-prin-schema-cis","status":"publish","type":"post","link":"https:\/\/iovufinancialservices.co.uk\/en\/2021\/04\/17\/cum-obtii-un-credit-ipotecar-daca-lucrezi-in-constructii-prin-schema-cis\/","title":{"rendered":"How to Get a Mortgage if You Work in Construction through the CIS Scheme"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"94\" class=\"elementor elementor-94\">\n\t\t\t\t<div class=\"aux-parallax-section elementor-element elementor-element-3b844d41 e-flex e-con-boxed e-con e-parent\" data-id=\"3b844d41\" 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-542c7b5 translation-block elementor-widget elementor-widget-text-editor\" data-id=\"542c7b5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\n<p class=\"wp-block-paragraph\">Dac\u0103 lucrezi \u00een industria construc\u021biilor din Marea Britanie \u0219i e\u0219ti pl\u0103tit prin Construction Industry Scheme (CIS), probabil c\u0103 te-ai \u00eentrebat dac\u0103 po\u021bi accesa un credit ipotecar. R\u0103spunsul este DA \u2014 \u0219i tot mai mul\u021bi lenderi din UK ofer\u0103 acum produse special concepute pentru lucr\u0103torii CIS.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00cen acest articol \u00ee\u021bi explic\u0103m tot ce trebuie s\u0103 \u0219tii: de la cum func\u021bioneaz\u0103 un CIS mortgage, ce documente ai nevoie, p\u00e2n\u0103 la cum \u00ee\u021bi poate maximiza \u0219ansele un broker specializat.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Ce este Schema CIS \u0219i de ce conteaz\u0103 pentru mortgage?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Construction Industry Scheme (CIS) este un sistem HMRC prin care antreprenorii re\u021bin impozit din pl\u0103\u021bile c\u0103tre subcontractori din construc\u021bii. Dac\u0103 e\u0219ti \u00eenregistrat \u00een CIS, antreprenorul t\u0103u re\u021bine 20% din plat\u0103 pentru impozit. Dac\u0103 nu e\u0219ti \u00eenregistrat, re\u021binerea este de 30%.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Problema tradi\u021bional\u0103 a fost c\u0103 b\u0103ncile vedeau lucr\u0103torii CIS ca fiind self-employed, aplic\u00e2nd criterii mult mai stricte \u2014 de obicei cereau 2-3 ani de conturi certificate. Ast\u0103zi, tot mai mul\u021bi lenderi specializa\u021bi calculeaz\u0103 venitul pe baza c\u00e2\u0219tigurilor brute CIS, nu pe baza profitului declarat pe autoevaluare. Aceasta este o schimbare major\u0103 care a deschis pia\u021ba ipotecar\u0103 pentru mii de lucr\u0103tori \u00een construc\u021bii.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Cine se calific\u0103 pentru un CIS Mortgage?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Te po\u021bi califica dac\u0103 bifezi urm\u0103toarele condi\u021bii:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>E\u0219ti pl\u0103tit prin Schema CIS (ai deducere de 20% sau 30% din salariu)<\/li>\n\n\n\n<li>Ai un istoric de pl\u0103\u021bi CIS de minimum 3-12 luni<\/li>\n\n\n\n<li>Ai un credit score bun, f\u0103r\u0103 CCJ-uri sau default-uri recente<\/li>\n\n\n\n<li>Lucrezi ca t\u00e2mplar, electrician, zidar, decorator sau orice alt me\u0219te\u0219ugar \u00een construc\u021bii<\/li>\n\n\n\n<li>E\u0219ti \u00eenregistrat la HMRC ca subcontractor<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Important: nu ai nevoie de 2 ani de conturi de self-employment. Mul\u021bi lenderi CIS specializa\u021bi accept\u0103 doar 3-6 luni de extrase bancare \u0219i dovada pl\u0103\u021bilor CIS.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Cum se calculeaz\u0103 venitul pentru CIS Mortgage?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Spre deosebire de ipotecile clasice pentru self-employed, lenderii CIS specializa\u021bi utilizeaz\u0103 venitul t\u0103u brut mediu pe ultimele 3, 6 sau 12 luni \u2014 nu profitul net declarat. Aceasta \u00eenseamn\u0103 c\u0103 suma pe care o po\u021bi \u00eemprumuta poate fi semnificativ mai mare dec\u00e2t crezi.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Exemplu practic:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Venit brut CIS lunar: \u00a33,500<\/li>\n\n\n\n<li>Venit anualizat: \u00a342,000<\/li>\n\n\n\n<li>Suma tipic\u0103 de \u00eemprumut (4.5x): \u00a3189,000<\/li>\n\n\n\n<li>Depozit minim necesar (10%): ~\u00a321,000<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Ce documente ai nevoie?<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Ultimele 3-12 luni de extrase bancare<\/li>\n\n\n\n<li>Voucher-ele CIS lunare (dovada pl\u0103\u021bilor CIS)<\/li>\n\n\n\n<li>Prob\u0103 de adres\u0103 (bill de utilit\u0103\u021bi sau council tax)<\/li>\n\n\n\n<li>Pa\u0219aport sau permis de conducere<\/li>\n\n\n\n<li>P60 sau P45, dac\u0103 este disponibil<\/li>\n\n\n\n<li>Declara\u021bie de auto-evaluare, dac\u0103 ai depus-o<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">De ce ai nevoie de un broker specializat CIS?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Nu toate b\u0103ncile \u0219i building societies ofer\u0103 CIS mortgages. Un broker independent cu acces la \u00eentreaga pia\u021b\u0103 \u0219tie exact care lenderi accept\u0103 venitul CIS \u0219i care sunt criteriile lor specifice. Un broker bun face match-ul \u00eentre profilul t\u0103u financiar \u0219i lenderul potrivit, cresc\u00e2nd semnificativ \u0219ansele de aprobare \u0219i asigur\u00e2nd cea mai bun\u0103 rat\u0103 de dob\u00e2nd\u0103 posibil\u0103.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u00centreb\u0103ri frecvente despre CIS Mortgage<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Pot ob\u021bine un mortgage dac\u0103 lucrez prin CIS f\u0103r\u0103 s\u0103 fi depus declara\u021bie fiscal\u0103?<\/strong> Da, mul\u021bi lenderi CIS specializa\u021bi accept\u0103 extrase bancare \u0219i voucher-ele CIS \u00een loc de declara\u021bie fiscal\u0103, mai ales dac\u0103 ai un istoric de 6-12 luni.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>C\u00e2t pot \u00eemprumuta ca lucr\u0103tor CIS?<\/strong> De obicei \u00eentre 4x \u0219i 5.5x venitul t\u0103u brut mediu anual CIS. Un broker poate calcula suma exact\u0103 \u00een func\u021bie de lenderul potrivit profilului t\u0103u.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>CIS mortgage este mai scump dec\u00e2t un mortgage normal?<\/strong> Ratele de dob\u00e2nd\u0103 pot fi u\u0219or mai mari fa\u021b\u0103 de un angajat PAYE, dar diferen\u021ba s-a redus semnificativ \u00een ultimii ani. Un broker independent g\u0103se\u0219te \u00eentotdeauna ofertele cele mai competitive disponibile pe pia\u021b\u0103.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Lucrezi prin Schema CIS \u0219i vrei s\u0103 cumperi o cas\u0103? Contacteaz\u0103-l pe Adrian Iovu la 073 7575 2777 pentru o consulta\u021bie gratuit\u0103. <a href=\"http:\/\/www.iovumortgageservices.co.uk\">www.iovumortgageservices.co.uk<\/a><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\t\t\t\t\t\t\t\t<\/div>\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>","protected":false},"excerpt":{"rendered":"<p>Dac\u0103 lucrezi \u00een industria construc\u021biilor din Marea Britanie \u0219i e\u0219ti pl\u0103tit prin Construction Industry Scheme (CIS), probabil c\u0103 te-ai \u00eentrebat dac\u0103 po\u021bi accesa un credit ipotecar. R\u0103spunsul este DA \u2014 \u0219i tot mai mul\u021bi lenderi din UK ofer\u0103 acum produse special concepute pentru lucr\u0103torii CIS. \u00cen acest articol \u00ee\u021bi explic\u0103m tot ce trebuie s\u0103 \u0219tii: [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":286,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[15],"tags":[9],"class_list":["post-94","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-cis-mortgage","tag-blog"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>CIS Mortgage UK: Cum ob\u021bii un credit ipotecar dac\u0103 lucrezi \u00een construc\u021bii<\/title>\n<meta name=\"description\" content=\"Lucrezi prin Schema CIS \u00een UK? Afl\u0103 cum po\u021bi ob\u021bine un mortgage bazat pe venitul t\u0103u mediu, chiar dac\u0103 e\u0219ti self-employed sau subcontractor. Sfaturi de la Adrian Iovu, mortgage broker independent.Cuvinte cheie: CIS mortgage UK, credit ipotecar construc\u021bii UK, mortgage CIS scheme, ipoteca self-employed UK, CIS scheme first time buyer\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/iovufinancialservices.co.uk\/en\/2021\/04\/17\/cum-obtii-un-credit-ipotecar-daca-lucrezi-in-constructii-prin-schema-cis\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"CIS Mortgage UK: Cum ob\u021bii un credit ipotecar dac\u0103 lucrezi \u00een construc\u021bii\" \/>\n<meta property=\"og:description\" content=\"Lucrezi prin Schema CIS \u00een UK? Afl\u0103 cum po\u021bi ob\u021bine un mortgage bazat pe venitul t\u0103u mediu, chiar dac\u0103 e\u0219ti self-employed sau subcontractor. Sfaturi de la Adrian Iovu, mortgage broker independent.Cuvinte cheie: CIS mortgage UK, credit ipotecar construc\u021bii UK, mortgage CIS scheme, ipoteca self-employed UK, CIS scheme first time buyer\" \/>\n<meta property=\"og:url\" content=\"https:\/\/iovufinancialservices.co.uk\/en\/2021\/04\/17\/cum-obtii-un-credit-ipotecar-daca-lucrezi-in-constructii-prin-schema-cis\/\" \/>\n<meta property=\"og:site_name\" content=\"Iovu Mortgage Broker\" \/>\n<meta property=\"article:published_time\" content=\"2021-04-17T14:39:03+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-04-06T18:29:47+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/iovufinancialservices.co.uk\/wp-content\/uploads\/2021\/04\/front-view-couple-accepting-keys-their-new-house-scaled.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2560\" \/>\n\t<meta property=\"og:image:height\" content=\"1707\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"admin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"admin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Estimated reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/iovufinancialservices.co.uk\\\/2021\\\/04\\\/17\\\/cum-obtii-un-credit-ipotecar-daca-lucrezi-in-constructii-prin-schema-cis\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/iovufinancialservices.co.uk\\\/2021\\\/04\\\/17\\\/cum-obtii-un-credit-ipotecar-daca-lucrezi-in-constructii-prin-schema-cis\\\/\"},\"author\":{\"name\":\"admin\",\"@id\":\"https:\\\/\\\/iovufinancialservices.co.uk\\\/#\\\/schema\\\/person\\\/780242daf0b28ca72af25bf3a2d4cb6e\"},\"headline\":\"Cum Ob\u021bii un Credit Ipotecar dac\u0103 Lucrezi \u00een Construc\u021bii prin Schema CIS\",\"datePublished\":\"2021-04-17T14:39:03+00:00\",\"dateModified\":\"2026-04-06T18:29:47+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/iovufinancialservices.co.uk\\\/2021\\\/04\\\/17\\\/cum-obtii-un-credit-ipotecar-daca-lucrezi-in-constructii-prin-schema-cis\\\/\"},\"wordCount\":673,\"publisher\":{\"@id\":\"https:\\\/\\\/iovufinancialservices.co.uk\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/iovufinancialservices.co.uk\\\/2021\\\/04\\\/17\\\/cum-obtii-un-credit-ipotecar-daca-lucrezi-in-constructii-prin-schema-cis\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/iovufinancialservices.co.uk\\\/wp-content\\\/uploads\\\/2021\\\/04\\\/front-view-couple-accepting-keys-their-new-house-scaled.jpg\",\"keywords\":[\"blog\"],\"articleSection\":[\"Cis mortgage\"],\"inLanguage\":\"en-GB\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/iovufinancialservices.co.uk\\\/2021\\\/04\\\/17\\\/cum-obtii-un-credit-ipotecar-daca-lucrezi-in-constructii-prin-schema-cis\\\/\",\"url\":\"https:\\\/\\\/iovufinancialservices.co.uk\\\/2021\\\/04\\\/17\\\/cum-obtii-un-credit-ipotecar-daca-lucrezi-in-constructii-prin-schema-cis\\\/\",\"name\":\"CIS Mortgage UK: Cum ob\u021bii un credit ipotecar dac\u0103 lucrezi \u00een construc\u021bii\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/iovufinancialservices.co.uk\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/iovufinancialservices.co.uk\\\/2021\\\/04\\\/17\\\/cum-obtii-un-credit-ipotecar-daca-lucrezi-in-constructii-prin-schema-cis\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/iovufinancialservices.co.uk\\\/2021\\\/04\\\/17\\\/cum-obtii-un-credit-ipotecar-daca-lucrezi-in-constructii-prin-schema-cis\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/iovufinancialservices.co.uk\\\/wp-content\\\/uploads\\\/2021\\\/04\\\/front-view-couple-accepting-keys-their-new-house-scaled.jpg\",\"datePublished\":\"2021-04-17T14:39:03+00:00\",\"dateModified\":\"2026-04-06T18:29:47+00:00\",\"description\":\"Lucrezi prin Schema CIS \u00een UK? 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