{"id":2141,"date":"2024-11-01T13:56:33","date_gmt":"2024-11-01T11:56:33","guid":{"rendered":"https:\/\/123leasing.ro\/blog\/?p=2141"},"modified":"2026-03-20T12:57:18","modified_gmt":"2026-03-20T10:57:18","slug":"dezavantaje-leasing-operational","status":"publish","type":"post","link":"https:\/\/123leasing.ro\/blog\/leasing-operational\/dezavantaje-leasing-operational\/","title":{"rendered":"Dezavantaje leasing opera\u021bional: ce costuri implic\u0103 \u0219i ce alternative exist\u0103"},"content":{"rendered":"<span class=\"span-reading-time rt-reading-time\" style=\"display: block;\"><span class=\"rt-label rt-prefix\">Timpul estimat pentru citire: <\/span> <span class=\"rt-time\"> 10<\/span> <span class=\"rt-label rt-postfix\">minute<\/span><\/span><p><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 fusion-flex-container nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1144px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-blend:overlay;--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-1\"><p>Leasingul opera\u021bional poate fi o op\u021biune viabil\u0103 pentru companiile \u0219i persoanele care vor s\u0103 foloseasc\u0103 echipamente, autovehicule sau alte bunuri f\u0103r\u0103 a le achizi\u021biona definitiv. Chiar dac\u0103 ai flexibilitate \u0219i costuri predictibile pe termen scurt, leasingul opera\u021bional vine \u00eens\u0103 \u0219i cu c\u00e2teva dezavantaje pe care e bine s\u0103 le cuno\u0219ti \u00eenainte de a lua o decizie.<\/p>\n<p>De la costuri mai mari pe termen lung la lipsa propriet\u0103\u021bii asupra bunului la finalul contractului, leasingul opera\u021bional poate deveni o solu\u021bie mai pu\u021bin avantajoas\u0103 pentru cei care \u00ee\u0219i vor mai mult control \u0219i valoare pe termen lung.<\/p>\n<p>\u00cen acest articol, vom vorbi despre dezavantajele leasingului opera\u021bional \u0219i ce alternative sunt disponibile, astfel \u00eenc\u00e2t tu s\u0103 po\u021bi lua o decizie informat\u0103.<\/p>\n<h2 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 38; line-height: 1.2; --fontSize: 38;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><span style=\"font-weight: 400;\">Ce este leasingul opera\u021bional?<\/span><\/h2>\n<p>Leasingul opera\u021bional este o solu\u021bie de finan\u021bare destinat\u0103 celor care doresc acces la vehicule, echipamente sau alte bunuri, f\u0103r\u0103 inten\u021bia de a le achizi\u021biona la finalul contractului.<\/p>\n<p>Practic, leasingul opera\u021bional func\u021bioneaz\u0103 ca un contract de \u00eenchiriere pe termen lung, \u00een care utilizatorul pl\u0103te\u0219te o rat\u0103 lunar\u0103 fix\u0103 pentru a beneficia de bunul respectiv. La sf\u00e2r\u0219itul perioadei, acesta trebuie s\u0103 returneze bunul companiei de leasing sau s\u0103 opteze pentru un nou contract, \u00een cazul \u00een care dore\u0219te s\u0103 continue utilizarea acestuia.<\/p>\n<p>Acest tip de leasing este popular \u00een special pentru companiile care au nevoie de echipamente actualizate constant sau pentru cele care doresc s\u0103 reduc\u0103 costurile \u0219i riscurile asociate cu deprecierea bunurilor.<\/p>\n<p>De exemplu, leasingul opera\u021bional este frecvent folosit pentru flotele auto, unde devalorizarea vehiculelor poate reprezenta o pierdere semnificativ\u0103 \u00een cazul achizi\u021biei directe.<\/p>\n<p><span style=\"background-color: rgba(255, 255, 255, 0); color: var(--body_typography-color); font-family: var(--body_typography-font-family); font-size: var(--body_typography-font-size); font-style: var(--body_typography-font-style,normal); font-weight: var(--body_typography-font-weight); letter-spacing: var(--body_typography-letter-spacing);\">Leasingul opera\u021bional ofer\u0103 flexibilitate \u0219i costuri mai mici pe termen scurt, \u00eens\u0103, a\u0219a cum vom vedea \u00een continuare, poate aduce \u0219i o serie de dezavantaje pe care e bine s\u0103 le iei \u00een considerare \u00eenainte de a alege aceast\u0103 op\u021biune.<\/span><\/p>\n<h2 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 38; line-height: 1.2; --fontSize: 38;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><span style=\"font-weight: 400;\">Dezavantaje leasing opera\u021bional<\/span><\/h2>\n<p><span style=\"background-color: rgba(255, 255, 255, 0); color: var(--body_typography-color); font-family: var(--body_typography-font-family); font-size: var(--body_typography-font-size); font-style: var(--body_typography-font-style,normal); font-weight: var(--body_typography-font-weight); letter-spacing: var(--body_typography-letter-spacing);\">Leasingul opera\u021bional poate p\u0103rea o op\u021biune atractiv\u0103 pentru cei care doresc acces la bunuri f\u0103r\u0103 a le achizi\u021biona. Totu\u0219i, aceast\u0103 form\u0103 de finan\u021bare vine \u0219i cu dezavantaje notabile care ar trebui analizate \u00eenainte de a lua o decizie:<\/span><\/p>\n<h3 data-fontsize=\"26\" style=\"--fontSize: 26; line-height: 1.2;\" data-lineheight=\"31.2px\" class=\"fusion-responsive-typography-calculated\"><span style=\"background-color: rgba(255, 255, 255, 0); color: var(--body_typography-color); font-family: var(--body_typography-font-family); font-size: 26px; font-style: var(--body_typography-font-style,normal); font-weight: var(--body_typography-font-weight); letter-spacing: -0.39px; line-height: 31.2px;\" data-fusion-font=\"true\">1. Costuri mai ridicate pe termen lung<\/span><\/h3>\n<p>De\u0219i leasingul opera\u021bional ofer\u0103 o rat\u0103 lunar\u0103 accesibil\u0103 pe termen scurt, pe termen lung, acesta poate fi mai costisitor dec\u00e2t alternativele, precum leasingul financiar.<\/p>\n<p>Ratele includ adesea servicii de \u00eentre\u021binere \u0219i asigurare, dar, cum utilizatorul nu devine proprietarul bunului, pl\u0103\u021bile lunare nu contribuie la achizi\u021bia activului. La sf\u00e2r\u0219itul perioadei de leasing, de exemplu, companiile trebuie s\u0103 returneze bunul f\u0103r\u0103 a ob\u021bine nicio valoare de rev\u00e2nzare.<\/p>\n<h3 data-fontsize=\"26\" style=\"--fontSize: 26; line-height: 1.2;\" data-lineheight=\"31.2px\" class=\"fusion-responsive-typography-calculated\"><span style=\"font-weight: normal;\">2. F\u0103r\u0103 proprietate final\u0103<\/span><\/h3>\n<p>\u00cen leasingul opera\u021bional, bunul r\u0103m\u00e2ne \u00een proprietatea companiei de leasing pe \u00eentreaga perioad\u0103 a contractului. La finalul contractului, utilizatorul nu are op\u021biunea de a-l achizi\u021biona, ceea ce poate fi dezavantajos pentru cei care ar dori s\u0103 investeasc\u0103 \u00eentr-un bun valoros pe termen lung.<\/p>\n<h3 data-fontsize=\"26\" style=\"--fontSize: 26; line-height: 1.2;\" data-lineheight=\"31.2px\" class=\"fusion-responsive-typography-calculated\"><span style=\"font-weight: normal;\">3. Restric\u021bii de utilizare<\/span><\/h3>\n<p>Leasingul opera\u021bional poate impune limit\u0103ri stricte de utilizare, cum ar fi kilometrajul maxim \u00een cazul vehiculelor sau reguli legate de \u00eentre\u021binerea echipamentelor. Dep\u0103\u0219irea acestor limite poate atrage costuri suplimentare semnificative.<\/p>\n<p>De exemplu, companiile care folosesc flote de vehicule \u00een leasing opera\u021bional sunt adesea nevoite s\u0103 pl\u0103teasc\u0103 taxe pentru kilometri suplimentari, ceea ce poate cre\u0219te semnificativ cheltuielile.<\/p>\n<h3 data-fontsize=\"26\" style=\"--fontSize: 26; line-height: 1.2;\" data-lineheight=\"31.2px\" class=\"fusion-responsive-typography-calculated\"><span style=\"font-weight: normal;\">4. Lipsa flexibilit\u0103\u021bii pentru rev\u00e2nzare sau modific\u0103ri<\/span><\/h3>\n<p>Utilizatorii de leasing opera\u021bional nu au libertatea de a revinde sau de a modifica bunul, deoarece acesta nu le apar\u021bine. Pentru companiile care vor s\u0103 personalizeze echipamentele sau s\u0103 le valorifice \u00een func\u021bie de schimb\u0103rile din pia\u021b\u0103, aceasta poate reprezenta o limitare important\u0103.<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-2 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:15px;--awb-padding-right:15px;--awb-padding-bottom:15px;--awb-padding-left:15px;--awb-margin-top:20px;--awb-margin-bottom:20px;--awb-background-color:var(--awb-color4);--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-center fusion-flex-content-wrap\" style=\"max-width:1144px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-1 fusion_builder_column_1_2 1_2 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:50%;--awb-margin-top-large:0px;--awb-spacing-right-large:3.84%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:3.84%;--awb-width-medium:50%;--awb-order-medium:0;--awb-spacing-right-medium:3.84%;--awb-spacing-left-medium:3.84%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-image-element\" style=\"--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><span class=\" fusion-imageframe imageframe-none imageframe-1 hover-type-none\"><img decoding=\"async\" width=\"940\" height=\"788\" alt=\"articol despre codebitorul la creditul ipotecar\" title=\"codebitorul-credit-ipotecar\" src=\"https:\/\/123leasing.ro\/blog\/wp-content\/uploads\/2024\/07\/codebitor-credit-ipotecar.jpg\" class=\"img-responsive wp-image-1124\" srcset=\"https:\/\/123leasing.ro\/blog\/wp-content\/uploads\/2024\/07\/codebitor-credit-ipotecar-200x168.jpg 200w, https:\/\/123leasing.ro\/blog\/wp-content\/uploads\/2024\/07\/codebitor-credit-ipotecar-400x335.jpg 400w, https:\/\/123leasing.ro\/blog\/wp-content\/uploads\/2024\/07\/codebitor-credit-ipotecar-600x503.jpg 600w, https:\/\/123leasing.ro\/blog\/wp-content\/uploads\/2024\/07\/codebitor-credit-ipotecar-800x671.jpg 800w, https:\/\/123leasing.ro\/blog\/wp-content\/uploads\/2024\/07\/codebitor-credit-ipotecar.jpg 940w\" sizes=\"(max-width: 640px) 100vw, 600px\" \/><\/span><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-2 fusion_builder_column_1_2 1_2 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:50%;--awb-margin-top-large:0px;--awb-spacing-right-large:3.84%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:3.84%;--awb-width-medium:50%;--awb-order-medium:0;--awb-spacing-right-medium:3.84%;--awb-spacing-left-medium:3.84%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-1 fusion-sep-none fusion-title-text fusion-title-size-four\" style=\"--awb-text-color:#ffffff;--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:10px;--awb-margin-left-small:0px;--awb-font-size:30px;\"><h4 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;font-size:1em;--fontSize:30;line-height:var(--awb-typography1-line-height);\">Ai nevoie de un credit ipotecar?<\/h4><\/div><div class=\"fusion-text fusion-text-2\"><p style=\"color: #ffffff;\">Specialistul in creditare este persoana care iti expune toate variantele de credit potrivite pentru profilul tau si se ocupa de intregul tau dosar si te poate ajuta cu accesarea oricarui tip de credit si este persoana de legatura dintre tine si banca.<\/p>\n<\/div><div ><a class=\"fusion-button button-flat fusion-button-default-size button-custom fusion-button-default button-1 fusion-button-default-span fusion-button-default-type\" style=\"--button_accent_color:var(--awb-color1);--button_accent_hover_color:#000000;--button_border_hover_color:#000000;--button_gradient_top_color:#fe9900;--button_gradient_bottom_color:#fe9900;--button_gradient_top_color_hover:#ffffff;--button_gradient_bottom_color_hover:#ffffff;\" target=\"_blank\" rel=\"noopener noreferrer\" href=\"https:\/\/123credit.ro\/specialisti-credite#brokers\"><span class=\"fusion-button-text awb-button__text awb-button__text--default\">VEZI OFERTELE PENTRU CREDIT IPOTECAR<\/span><\/a><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-3 fusion-flex-container nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1144px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-3 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-blend:overlay;--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-3\"><h2 class=\"\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><span style=\"background-color: rgba(255, 255, 255, 0); color: var(--body_typography-color); font-family: var(--body_typography-font-family); font-style: var(--body_typography-font-style,normal); font-weight: 400;\">Leasing opera\u021bional vs alternative<\/span><\/h2>\n<p>Pentru a \u00een\u021belege mai bine c\u00e2nd leasingul opera\u021bional poate fi mai pu\u021bin avantajos, este util s\u0103 \u00eel compar\u0103m cu alte op\u021biuni de finan\u021bare, cum ar fi leasingul financiar \u0219i creditul de nevoi personale. Fiecare alternativ\u0103 are propriile sale avantaje \u0219i dezavantaje, iar alegerea potrivit\u0103 depinde de obiectivele \u0219i necesit\u0103\u021bile utilizatorului.<\/p>\n<h3><span style=\"font-weight: normal;\">Leasing opera\u021bional vs leasing financiar<\/span><\/h3>\n<p>Principala diferen\u021b\u0103 \u00eentre leasingul opera\u021bional \u0219i leasingul financiar const\u0103 \u00een proprietatea asupra bunului. Leasingul opera\u021bional este ideal pentru cei care doresc o solu\u021bie temporar\u0103, f\u0103r\u0103 a achizi\u021biona bunul la finalul contractului.<\/p>\n<p>\u00cen schimb, leasingul financiar ofer\u0103 op\u021biunea de achizi\u021bie, fiind mai potrivit pentru cei care doresc s\u0103 devin\u0103 proprietari.<\/p>\n<p>Pentru o compara\u021bie detaliat\u0103 \u00eentre leasingul opera\u021bional \u0219i leasingul financiar, inclusiv avantaje \u0219i dezavantaje specifice fiec\u0103rui tip, po\u021bi consulta <a style=\"color: var(--awb-color5);\" href=\"https:\/\/123leasing.ro\/blog\/leasing-operational-vs-leasing-financiar-care-e-opiunea-potrivit\/\">articolul nostru dedicat<\/a>, unde am abordat \u00een profunzime diferen\u021bele \u0219i beneficiile fiec\u0103rei op\u021biuni.<\/p>\n<h3><span style=\"font-weight: 400;\">Leasing opera\u021bional vs credit de nevoi personale<\/span><\/h3>\n<p>O scurt\u0103 compara\u021bie \u00eentre leasingul opera\u021bional \u0219i creditul de nevoi personale, pentru a eviden\u021bia avantajele \u0219i diferen\u021bele fiec\u0103rei op\u021biuni:<\/p>\n<h4>1. Flexibilitate \u00een utilizarea fondurilor<\/h4>\n<p>Creditul de nevoi personale ofer\u0103 utilizatorului libertatea de a folosi suma ob\u021binut\u0103 f\u0103r\u0103 restric\u021bii specifice legate de un anumit bun. Aceast\u0103 solu\u021bie poate fi preferat\u0103 de cei care au nevoie de fonduri pentru cheltuieli diverse, care nu sunt limitate la un singur bun sau echipament.<\/p>\n<h4>2. Proprietate imediat\u0103<\/h4>\n<p>Spre deosebire de leasing, creditul de nevoi personale ofer\u0103 proprietatea deplin\u0103 asupra bunului de la \u00eenceput. Acest aspect poate fi un avantaj pentru cei care doresc s\u0103 personalizeze bunul, s\u0103 \u00eel modifice sau s\u0103 \u00eel valorifice pe parcurs.<\/p>\n<h4>3. Termeni de rambursare<\/h4>\n<p>\u00cen general, un credit de nevoi personale are o durat\u0103 de rambursare mai scurt\u0103 dec\u00e2t un contract de leasing. De\u0219i acest lucru poate \u00eensemna rate mai mari, creditul ofer\u0103 avantajul achit\u0103rii rapide \u0219i eliber\u0103rii de datorie \u00eentr-un timp mai scurt, f\u0103r\u0103 obliga\u021bia de a pl\u0103ti o valoare rezidual\u0103.<\/p>\n<p>Dac\u0103 \u00eenclini c\u0103tre un credit de nevoi personale, <a style=\"color: var(--awb-color5);\" href=\"https:\/\/123credit.ro\/contact\">speciali\u0219tii no\u0219tri <\/a>sunt bucuro\u0219i s\u0103 te ajute s\u0103 g\u0103se\u0219ti cea mai bun\u0103 op\u021biune din pia\u021b\u0103.<\/p>\n<h2 class=\"\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><span style=\"font-weight: 400;\">Concluzie<\/span><\/h2>\n<p>Leasingul opera\u021bional poate fi o op\u021biune practic\u0103 pentru cei care au nevoie de acces rapid la bunuri \u0219i echipamente f\u0103r\u0103 obliga\u021bia de a le de\u021bine. Totu\u0219i, acest tip de leasing vine cu limit\u0103ri semnificative, cum ar fi costurile mai mari pe termen lung, restric\u021biile de utilizare \u0219i lipsa propriet\u0103\u021bii finale.<\/p>\n<p>\u00cen situa\u021biile \u00een care folosirea pe termen lung \u0219i flexibilitatea deplin\u0103 sunt importante, leasingul financiar sau creditul de nevoi personale pot reprezenta alternative mai avantajoase. Pentru un credit de nevoi personale, consult\u0103-te cu<a style=\"color: var(--awb-color5);\" href=\"https:\/\/123credit.ro\/contact\"> speciali\u0219tii no\u0219tri<\/a> pentru cea mai bun\u0103 ofert\u0103 din pia\u021b\u0103.<\/p>\n<p>\u00cenainte de a lua o decizie, analizeaz\u0103 toate op\u021biunile \u0219i consult\u0103 un specialist financiar, pentru a te asigura c\u0103 faci alegerea potrivit\u0103 pentru situa\u021bia ta.<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-4 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:0px;--awb-padding-right:0px;--awb-padding-bottom:0px;--awb-padding-left:0px;--awb-margin-top:40px;--awb-margin-bottom:40px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-stretch fusion-flex-justify-content-center fusion-flex-content-wrap\" style=\"max-width:1144px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-4 fusion_builder_column_1_1 1_1 fusion-flex-column fusion-column-inner-bg-wrapper notitles\" style=\"--awb-inner-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><span class=\"fusion-column-inner-bg hover-type-none\"><a class=\"fusion-column-anchor\" href=\"https:\/\/123credit.ro\/credit-nevoi-personale\"><span class=\"fusion-column-inner-bg-image\"><\/span><\/a><\/span><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-content-boxes content-boxes columns row fusion-columns-3 fusion-columns-total-3 fusion-content-boxes-1 content-boxes-icon-with-title content-left\" style=\"--awb-backgroundcolor:var(--awb-color3);--awb-body-color:var(--awb-color7);--awb-title-color:var(--awb-color5);--awb-iconcolor:var(--awb-color5);--awb-margin-top:0px;--awb-margin-bottom:0px;--awb-hover-accent-color:var(--awb-color4);--awb-circle-hover-accent-color:transparent;\" data-animationOffset=\"top-into-view\"><div style=\"--awb-backgroundcolor:var(--awb-color3);--awb-iconcolor:var(--awb-color5);\" class=\"fusion-column content-box-column content-box-column content-box-column-1 col-lg-4 col-md-4 col-sm-4 fusion-content-box-hover content-box-column-first-in-row\"><div class=\"col content-box-wrapper content-wrapper-background link-area-box link-type-button icon-hover-animation-fade fusion-animated\" data-link=\"https:\/\/123credit.ro\/specialisti-credite\" data-link-target=\"_blank\" data-animationType=\"fadeInDown\" data-animationDuration=\"0.3\" data-animationOffset=\"top-into-view\"><div class=\"heading heading-with-icon icon-left\"><a class=\"heading-link\" style=\"float:left;\" href=\"https:\/\/123credit.ro\/specialisti-credite\" target=\"_blank\" rel=\"noopener noreferrer\"><div class=\"icon\"><i style=\"background-color:transparent;border-color:transparent;height:auto;width: 20px;line-height:normal;font-size:20px;\" aria-hidden=\"true\" class=\"fontawesome-icon fa-hand-holding-usd fas circle-no\"><\/i><\/div><h3 class=\"content-box-heading fusion-responsive-typography-calculated\" style=\"--h3_typography-font-size:24px;--fontSize:24;line-height:var(--awb-typography1-line-height);\">Ai nevoie de p\u0103rerea unui specialist \u00een credite?<\/h3><\/a><\/div><div class=\"fusion-clearfix\"><\/div><div class=\"content-container\">\n<p>Un specialist \u00een credite \u00ee\u021bi va oferi consultan\u021b\u0103 \u0219i solu\u021bii financiare legate de ob\u021binerea \u0219i gestionarea creditului t\u0103u.<\/p>\n<\/div><div class=\"fusion-clearfix\"><\/div><a class=\"fusion-read-more-button fusion-content-box-button fusion-button button-default fusion-button-default-size button- button-flat\" style=\"float:left;\" href=\"https:\/\/123credit.ro\/specialisti-credite\" target=\"_blank\" rel=\"noopener noreferrer\"><span class=\"fusion-button-text\">Consult\u0103 un specialist<\/span><\/a><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div style=\"--awb-backgroundcolor:var(--awb-color3);--awb-iconcolor:var(--awb-color5);\" class=\"fusion-column content-box-column content-box-column content-box-column-2 col-lg-4 col-md-4 col-sm-4 fusion-content-box-hover \"><div class=\"col content-box-wrapper content-wrapper-background link-area-box link-type-button icon-hover-animation-fade fusion-animated\" data-link=\"https:\/\/123credit.ro\/calculator-imprumut\" data-link-target=\"_blank\" data-animationType=\"fadeInDown\" data-animationDuration=\"0.3\" data-animationOffset=\"top-into-view\"><div class=\"heading heading-with-icon icon-left\"><a class=\"heading-link\" style=\"float:left;\" href=\"https:\/\/123credit.ro\/calculator-imprumut\" target=\"_blank\" rel=\"noopener noreferrer\"><div class=\"icon\"><i style=\"background-color:transparent;border-color:transparent;height:auto;width: 20px;line-height:normal;font-size:20px;\" aria-hidden=\"true\" class=\"fontawesome-icon fa-warehouse fas circle-no\"><\/i><\/div><h3 class=\"content-box-heading fusion-responsive-typography-calculated\" style=\"--h3_typography-font-size:24px;--fontSize:24;line-height:var(--awb-typography1-line-height);\">Vrei s\u0103 afli c\u00e2t po\u021bi s\u0103 \u00eemprumu\u021bi? <\/h3><\/a><\/div><div class=\"fusion-clearfix\"><\/div><div class=\"content-container\">\n<p>Verific\u0103 care este suma pe care o po\u021bi primi, ce rat\u0103 \u021bi se potrive\u0219te \u0219i care este gradul t\u0103u de \u00eendatorare acces\u00e2nd calculatorul de \u00eemprumut.<\/p>\n<\/div><div class=\"fusion-clearfix\"><\/div><a class=\"fusion-read-more-button fusion-content-box-button fusion-button button-default fusion-button-default-size button- button-flat\" style=\"float:left;\" href=\"https:\/\/123credit.ro\/calculator-imprumut\" target=\"_blank\" rel=\"noopener noreferrer\"><span class=\"fusion-button-text\">C\u00e2t pot s\u0103 \u00eemprumut<\/span><\/a><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div style=\"--awb-backgroundcolor:var(--awb-color3);--awb-iconcolor:var(--awb-color5);\" class=\"fusion-column content-box-column content-box-column content-box-column-3 col-lg-4 col-md-4 col-sm-4 fusion-content-box-hover content-box-column-last content-box-column-last-in-row\"><div class=\"col content-box-wrapper content-wrapper-background link-area-box link-type-button icon-hover-animation-fade fusion-animated\" data-link=\"https:\/\/123credit.ro\/refinantare-credit-ipotecar\" data-link-target=\"_blank\" data-animationType=\"fadeInDown\" data-animationDuration=\"0.3\" data-animationOffset=\"top-into-view\"><div class=\"heading heading-with-icon icon-left\"><a class=\"heading-link\" style=\"float:left;\" href=\"https:\/\/123credit.ro\/refinantare-credit-ipotecar\" target=\"_blank\" rel=\"noopener noreferrer\"><div class=\"icon\"><i style=\"background-color:transparent;border-color:transparent;height:auto;width: 20px;line-height:normal;font-size:20px;\" aria-hidden=\"true\" class=\"fontawesome-icon fa-hand-holding-usd fas circle-no\"><\/i><\/div><h3 class=\"content-box-heading fusion-responsive-typography-calculated\" style=\"--h3_typography-font-size:24px;--fontSize:24;line-height:var(--awb-typography1-line-height);\">Ai nevoie de refinantare pentru creditul t\u0103u?<\/h3><\/a><\/div><div class=\"fusion-clearfix\"><\/div><div class=\"content-container\">\n<p>Refinan\u021beaz\u0103 creditul t\u0103u ipotecar sau Noua Cas\u0103 \u0219i transform\u0103 dob\u00e2nda variabil\u0103 \u00een dob\u00e2nd\u0103 fix\u0103 sau ob\u021bine o rat\u0103 mai mic\u0103.<\/p>\n<\/div><div class=\"fusion-clearfix\"><\/div><a class=\"fusion-read-more-button fusion-content-box-button fusion-button button-default fusion-button-default-size button- button-flat\" style=\"float:left;\" href=\"https:\/\/123credit.ro\/refinantare-credit-ipotecar\" target=\"_blank\" rel=\"noopener noreferrer\"><span class=\"fusion-button-text\">Refinan\u021beaz\u0103 rapid<\/span><\/a><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-5 fusion-flex-container nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1144px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-5 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-blend:overlay;--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-4\"><h2 class=\"\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><b>\u00centreb\u0103ri frecvente<\/b><\/h2>\n<ol>\n<li><b>Care sunt principalele dezavantaje ale unui leasing operational?<\/b><\/li>\n<\/ol>\n<p>Leasingul opera\u021bional vine cu dezavantaje precum costuri mai mari pe termen lung, lipsa op\u021biunii de a de\u021bine bunul la finalul contractului \u0219i restric\u021bii de utilizare (de exemplu, limit\u0103ri de kilometraj pentru vehicule). \u00cen plus, utilizatorul nu poate valorifica bunul prin rev\u00e2nzare sau personalizare.<\/p>\n<ol start=\"2\">\n<li><b>C\u00e2nd e dezavantajos leasingul opera\u021bional?<\/b><\/li>\n<\/ol>\n<p>Leasingul opera\u021bional poate fi mai pu\u021bin avantajos pentru companiile sau persoanele care doresc s\u0103 de\u021bin\u0103 acel bun pe termen lung, s\u0103 evite limit\u0103rile de folosire sau s\u0103 valorifice bunul la rev\u00e2nzare ulterioar\u0103. \u00cen astfel de cazuri, leasingul financiar sau un credit de nevoi personale pot fi op\u021biuni mai potrivite.<\/p>\n<ol start=\"3\">\n<li><b>Cum difer\u0103 leasingul opera\u021bional de leasingul financiar?<\/b><\/li>\n<\/ol>\n<p>Leasingul opera\u021bional este o form\u0103 de \u00eenchiriere pe termen lung f\u0103r\u0103 op\u021biunea de achizi\u021bie final\u0103, \u00een timp ce leasingul financiar ofer\u0103 op\u021biunea de a cump\u0103ra bunul la finalul contractului. Leasingul opera\u021bional este preferat pentru utilizare temporar\u0103, iar leasingul financiar este mai potrivit pentru investi\u021bii pe termen lung.<\/p>\n<ol start=\"4\">\n<li><b>Exist\u0103 alternative mai flexibile la leasingul opera\u021bional?<\/b><\/li>\n<\/ol>\n<p>Da, un credit de nevoi personale poate fi o alternativ\u0103 mai flexibil\u0103 pentru cei care au nevoie de finan\u021bare rapid\u0103 \u0219i liber\u0103 pentru diferite tipuri de cheltuieli. Spre deosebire de leasing, creditul de nevoi personale ofer\u0103 proprietatea bunului \u0219i poate fi folosit f\u0103r\u0103 restric\u021bii asupra utiliz\u0103rii acestuia.<\/p>\n<ol start=\"5\">\n<li><b>Cum afecteaz\u0103 leasingul opera\u021bional bugetul pe termen lung?<\/b><\/li>\n<\/ol>\n<p>Leasingul opera\u021bional poate p\u0103rea accesibil pe termen scurt, dar costurile lunare cumulative \u0219i limit\u0103rile asupra utiliz\u0103rii pot afecta bugetul pe termen lung, mai ales dac\u0103 utilizatorul dore\u0219te s\u0103 continue utilizarea bunului dup\u0103 expirarea contractului.<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-6 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-sizes-top:1;--awb-border-sizes-bottom:1;--awb-border-sizes-left:1;--awb-border-sizes-right:1;--awb-border-color:var(--awb-color3);--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:20px;--awb-padding-right:20px;--awb-padding-bottom:20px;--awb-padding-left:20px;--awb-flex-wrap:wrap;--awb-box-shadow: 0px 0px ;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1144px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-6 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-2 fusion-sep-none fusion-title-center fusion-title-text fusion-title-size-four\" style=\"--awb-margin-bottom:0px;--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:10px;--awb-margin-left-small:0px;--awb-font-size:28px;\"><h4 class=\"fusion-title-heading title-heading-center fusion-responsive-typography-calculated\" style=\"margin:0;font-size:1em;--fontSize:28;line-height:var(--awb-typography1-line-height);\"><p><span style=\"font-weight: normal;\">Alege din cele<\/span> <span style=\"color: var(--awb-color4);\">150+<\/span><span style=\"font-weight: normal;\"> de oferte de la <\/span><span style=\"color: var(--awb-color4);\">20+<\/span><span style=\"font-weight: normal;\"> institu\u021bii<br \/>\nfinanciare partenere:<\/span><\/p><\/h4><\/div><div class=\"fusion-image-carousel fusion-image-carousel-fixed fusion-image-carousel-1\"><div class=\"awb-carousel awb-swiper awb-swiper-carousel awb-carousel--carousel awb-swiper-dots-position-bottom\" data-layout=\"carousel\" data-autoplay=\"no\" data-autoplayspeed=\"2500\" data-autoplaypause=\"no\" data-loop=\"yes\" data-columns=\"5\" data-columnsmedium=\"1\" data-columnssmall=\"1\" data-itemmargin=\"0\" data-itemwidth=\"180\" data-touchscroll=\"no\" data-freemode=\"no\" data-imagesize=\"fixed\" data-scrollitems=\"0\" data-centeredslides=\"no\" data-rotationangle=\"50\" data-depth=\"100\" data-speed=\"500\" data-shadow=\"no\" data-pagination=\"bullets\" style=\"--awb-column-spacing:0px;\"><div class=\"swiper-wrapper awb-image-carousel-wrapper fusion-flex-align-items-center\"><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"166\" height=\"61\" src=\"https:\/\/123leasing.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-simplu-credit2.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"198\" height=\"61\" src=\"https:\/\/123leasing.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-speedfinanciar.jpg\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"157\" height=\"61\" src=\"https:\/\/123leasing.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-tbi-v2.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"198\" height=\"61\" src=\"https:\/\/123leasing.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-unicredit-consumer-finance.jpg\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"152\" height=\"61\" src=\"https:\/\/123leasing.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-unicredit.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"166\" height=\"61\" src=\"https:\/\/123leasing.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-viva.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"152\" height=\"61\" src=\"https:\/\/123leasing.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-alphabank.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"152\" height=\"61\" src=\"https:\/\/123leasing.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-bcr-2023.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"300\" height=\"61\" src=\"https:\/\/123leasing.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-banca-ro.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" srcset=\"https:\/\/123leasing.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-banca-ro-200x41.png 200w, https:\/\/123leasing.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-banca-ro.png 300w\" sizes=\"(min-width: 2200px) 100vw, (min-width: 928px) 220px, (min-width: 856px) 275px, (min-width: 784px) 367px, (min-width: 712px) 550px, (min-width: 640px) 712px, \" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"152\" height=\"61\" src=\"https:\/\/123leasing.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-brd.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"166\" height=\"61\" src=\"https:\/\/123leasing.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-bt.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"61\" height=\"61\" src=\"https:\/\/123leasing.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-ca.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"222\" height=\"61\" src=\"https:\/\/123leasing.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-cec.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" srcset=\"https:\/\/123leasing.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-cec-200x55.png 200w, https:\/\/123leasing.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-cec.png 222w\" sizes=\"(min-width: 2200px) 100vw, (min-width: 928px) 220px, (min-width: 856px) 275px, (min-width: 784px) 367px, (min-width: 712px) 550px, (min-width: 640px) 712px, \" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"166\" height=\"61\" src=\"https:\/\/123leasing.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-claret.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"166\" height=\"61\" src=\"https:\/\/123leasing.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-credex.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"222\" height=\"61\" src=\"https:\/\/123leasing.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-credit-eu.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" srcset=\"https:\/\/123leasing.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-credit-eu-200x55.png 200w, https:\/\/123leasing.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-credit-eu.png 222w\" sizes=\"(min-width: 2200px) 100vw, (min-width: 928px) 220px, (min-width: 856px) 275px, (min-width: 784px) 367px, (min-width: 712px) 550px, (min-width: 640px) 712px, \" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div 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