{"id":496,"date":"2026-04-10T21:31:24","date_gmt":"2026-04-10T21:31:24","guid":{"rendered":"https:\/\/iovufinancialservices.co.uk\/?p=496"},"modified":"2026-04-14T14:45:09","modified_gmt":"2026-04-14T14:45:09","slug":"ipoteca-cis-ce-este-si-cui-se-adreseaza","status":"publish","type":"post","link":"https:\/\/iovufinancialservices.co.uk\/ru\/2026\/04\/10\/ipoteca-cis-ce-este-si-cui-se-adreseaza\/","title":{"rendered":"\u0418\u043f\u043e\u0442\u0435\u043a\u0430 CIS \u2013 \u0447\u0442\u043e \u044d\u0442\u043e \u0438 \u0434\u043b\u044f \u043a\u043e\u0433\u043e \u043e\u043d\u0430 \u043f\u0440\u0435\u0434\u043d\u0430\u0437\u043d\u0430\u0447\u0435\u043d\u0430?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"496\" class=\"elementor elementor-496\">\n\t\t\t\t<div class=\"aux-parallax-section elementor-element elementor-element-795697c0 e-flex e-con-boxed e-con e-parent\" data-id=\"795697c0\" 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-4dfd4e6d translation-block elementor-widget elementor-widget-text-editor\" data-id=\"4dfd4e6d\" 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=\"font-claude-response-body break-words whitespace-normal leading-[1.7] wp-block-paragraph\">\u00a0<\/p>\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\"><strong>Ce este o ipotec\u0103 CIS?<\/strong><\/p>\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">Ipoteca CIS (Construction Industry Scheme) este o solu\u021bie de creditare ipotecar\u0103 destinat\u0103 subcontractorilor din construc\u021bii care lucreaz\u0103 \u00een Marea Britanie \u0219i sunt pl\u0103ti\u021bi prin schema CIS. Spre deosebire de ipotecile clasice pentru self-employed, care evalueaz\u0103 profitul net din conturi (SA302), creditorii specializa\u021bi \u00een CIS iau \u00een calcul venitul brut din payslip-uri \u2013 permi\u021b\u00e2nd, \u00een multe cazuri, accesul la sume mai mari de \u00eemprumut.<\/p>\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">Dac\u0103 e\u0219ti rom\u00e2n care lucreaz\u0103 \u00een construc\u021bii \u00een UK \u0219i te \u00eentrebi cum po\u021bi ob\u021bine o ipotec\u0103 f\u0103r\u0103 2\u20133 ani de conturi depuse, ipoteca CIS este, de regul\u0103, ruta corect\u0103.<\/p>\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\"><strong>Cum func\u021bioneaz\u0103 ipoteca CIS?<\/strong><\/p>\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">Creditorii CIS calculeaz\u0103 venitul t\u0103u anual astfel: media s\u0103pt\u0103m\u00e2nal\u0103 brut\u0103 din payslip-urile CIS \u00d7 46 p\u00e2n\u0103 la 52 de s\u0103pt\u0103m\u00e2ni (\u00een func\u021bie de creditor). Aceast\u0103 sum\u0103 este apoi \u00eenmul\u021bit\u0103 cu un multiplicator de venit \u2013 de regul\u0103 \u00eentre 4x \u0219i 5.5x, uneori mai mult \u2013 pentru a stabili suma maxim\u0103 pe care o po\u021bi \u00eemprumuta.<\/p>\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\"><strong>Avantajele unei ipoteci CIS<\/strong><\/p>\n<ul class=\"[li_&amp;]:mb-0 [li_&amp;]:mt-1 [li_&amp;]:gap-1 [&amp;:not(:last-child)_ul]:pb-1 [&amp;:not(:last-child)_ol]:pb-1 list-disc flex flex-col gap-1 pl-8 mb-3\">\n<li class=\"whitespace-normal break-words pl-2\">Evaluare pe venitul brut, nu pe profitul net.<\/li>\n<li class=\"whitespace-normal break-words pl-2\">Nu sunt necesare 2\u20133 ani de conturi SA302.<\/li>\n<li class=\"whitespace-normal break-words pl-2\">Acces la creditori specializa\u021bi care \u00een\u021beleg modul de lucru al subcontractorilor rom\u00e2ni din UK.<\/li>\n<li class=\"whitespace-normal break-words pl-2\">Oferte competitive pentru cei cu profil financiar solid.<\/li>\n<li class=\"whitespace-normal break-words pl-2\">Aplica\u021bii acceptate chiar \u0219i cu istoric CIS de doar 12 luni.<\/li>\n<\/ul>\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\"><strong>Condi\u021bii de eligibilitate<\/strong><\/p>\n<ul class=\"[li_&amp;]:mb-0 [li_&amp;]:mt-1 [li_&amp;]:gap-1 [&amp;:not(:last-child)_ul]:pb-1 [&amp;:not(:last-child)_ol]:pb-1 list-disc flex flex-col gap-1 pl-8 mb-3\">\n<li class=\"whitespace-normal break-words pl-2\">Lucr\u0103tor self-employed \u00een construc\u021bii, pl\u0103tit prin CIS.<\/li>\n<li class=\"whitespace-normal break-words pl-2\">De regul\u0103, 2\u201324 luni de payslips CIS \u0219i extrase de cont recente.<\/li>\n<li class=\"whitespace-normal break-words pl-2\">Deposit minim: de la 5% pentru First Time Buyers.<\/li>\n<li class=\"whitespace-normal break-words pl-2\">Drept legal de a locui \u0219i lucra \u00een UK (settled\/pre-settled status, ILR, sau cet\u0103\u021benie).<\/li>\n<\/ul>\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\"><em>Criteriile exacte variaz\u0103 \u00een func\u021bie de creditor \u0219i de situa\u021bia ta individual\u0103.<\/em><\/p>\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\"><strong>Ce sum\u0103 po\u021bi \u00eemprumuta prin CIS?<\/strong><\/p>\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">Majoritatea creditorilor CIS ofer\u0103 \u00eentre 4x \u0219i 5.5x venitul anual brut, calculat din payslip-uri. Suma final\u0103 depinde de:<\/p>\n<ul class=\"[li_&amp;]:mb-0 [li_&amp;]:mt-1 [li_&amp;]:gap-1 [&amp;:not(:last-child)_ul]:pb-1 [&amp;:not(:last-child)_ol]:pb-1 list-disc flex flex-col gap-1 pl-8 mb-3\">\n<li class=\"whitespace-normal break-words pl-2\">Creditor \u0219i politica sa intern\u0103<\/li>\n<li class=\"whitespace-normal break-words pl-2\">Loan-to-Value (LTV) \u2013 cu c\u00e2t depositul este mai mare, cu at\u00e2t condi\u021biile sunt mai bune<\/li>\n<li class=\"whitespace-normal break-words pl-2\">Cheltuielile lunare \u0219i alte datorii (credite auto, carduri, \u00eentre\u021binere copii)<\/li>\n<li class=\"whitespace-normal break-words pl-2\">Evaluarea de affordability<\/li>\n<li class=\"whitespace-normal break-words pl-2\">Istoricul de credit<\/li>\n<\/ul>\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\"><strong>Ipoteca CIS cu istoric de credit slab<\/strong><\/p>\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">Un istoric de credit imperfect nu este un obstacol definitiv. Problemele minore \u2013 o plat\u0103 \u00eent\u00e2rziat\u0103, un default vechi de peste 3 ani \u2013 sunt adesea acceptate. Cazurile mai complexe (CCJ-uri, IVA, bankruptcy) necesit\u0103 acces la creditori adverse credit specializa\u021bi. Op\u021biunile exist\u0103, dar alegerea corect\u0103 a creditorului este esen\u021bial\u0103.<\/p>\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\"><strong>Cum aplici pentru o ipotec\u0103 CIS<\/strong><\/p>\n<ol class=\"[li_&amp;]:mb-0 [li_&amp;]:mt-1 [li_&amp;]:gap-1 [&amp;:not(:last-child)_ul]:pb-1 [&amp;:not(:last-child)_ol]:pb-1 list-decimal flex flex-col gap-1 pl-8 mb-3\">\n<li class=\"whitespace-normal break-words pl-2\"><strong>Verific\u0103 eligibilitatea<\/strong> printr-o consulta\u021bie ini\u021bial\u0103 gratuit\u0103.<\/li>\n<li class=\"whitespace-normal break-words pl-2\"><strong>Preg\u0103te\u0219te documentele:<\/strong> payslip-uri CIS (2\u201312 luni), extrase de cont, ID, dovad\u0103 adres\u0103.<\/li>\n<li class=\"whitespace-normal break-words pl-2\"><strong>Ob\u021bine raportul de credit<\/strong> (Experian, Equifax, TransUnion \u2013 Checkmyfile recomandat).<\/li>\n<li class=\"whitespace-normal break-words pl-2\"><strong>Agreement in Principle (AIP)<\/strong> cu creditorul potrivit.<\/li>\n<li class=\"whitespace-normal break-words pl-2\"><strong>Aplica\u021bie complet\u0103<\/strong> dup\u0103 ce ai g\u0103sit proprietatea.<\/li>\n<\/ol>\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\"><strong>\u00centreb\u0103ri frecvente<\/strong><\/p>\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\"><strong>Pot ob\u021bine o ipotec\u0103 CIS cu doar 6 luni de payslips?<\/strong> Da. Mai mul\u021bi creditori specializa\u021bi accept\u0103 minimum 6 luni de istoric CIS, cu condi\u021bia ca veniturile s\u0103 fie consistente.<\/p>\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\"><strong>Care este depositul minim pentru o ipotec\u0103 CIS?<\/strong> 5% pentru First Time Buyers prin scheme guvernamentale, 10\u201315% standard, mai mult pentru cazuri de adverse credit.<\/p>\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\"><strong>Pot cump\u0103ra o cas\u0103 Buy-to-Let prin CIS?<\/strong> Da, \u00eens\u0103 evaluarea BTL se bazeaz\u0103 \u00een principal pe venitul din chirie, nu pe payslips-urile CIS.<\/p>\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\"><strong>Ipoteca CIS este disponibil\u0103 pentru cet\u0103\u021benii rom\u00e2ni?<\/strong> Da, dac\u0103 ai settled sau pre-settled status, ILR sau alt drept legal de reziden\u021b\u0103 \u00een UK.<\/p>\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\"><strong>De ce Best Brokers?<\/strong><\/p>\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">Best Brokers este un broker ipotecar specializat \u00een cazuri complexe, cu experien\u021b\u0103 dedicat\u0103 comunit\u0103\u021bii rom\u00e2ne\u0219ti din UK. Oferim consultan\u021b\u0103 \u00een rom\u00e2n\u0103, englez\u0103 \u0219i rus\u0103.\u00a0<\/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>\n\t\t","protected":false},"excerpt":{"rendered":"<p>\u00a0 Ce este o ipotec\u0103 CIS? Ipoteca CIS (Construction Industry Scheme) este o solu\u021bie de creditare ipotecar\u0103 destinat\u0103 subcontractorilor din construc\u021bii care lucreaz\u0103 \u00een Marea Britanie \u0219i sunt pl\u0103ti\u021bi prin schema CIS. Spre deosebire de ipotecile clasice pentru self-employed, care evalueaz\u0103 profitul net din conturi (SA302), creditorii specializa\u021bi \u00een CIS iau \u00een calcul venitul brut [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":497,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-496","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Cum cumperi prima cas\u0103 \u00een UK \u00een 2025 - Ghid pentru rom\u00e2ni<\/title>\n<meta name=\"description\" content=\"Ghid pas cu pas pentru first time buyers din UK. 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