{"id":5124,"date":"2024-06-18T12:16:44","date_gmt":"2024-06-18T09:16:44","guid":{"rendered":"https:\/\/weagro.ua\/blog\/ce-este-plata-in-rate-diferenta-intre-credit-si-plata-in-rate\/"},"modified":"2026-03-24T08:01:56","modified_gmt":"2026-03-24T06:01:56","slug":"ce-este-plata-in-rate-diferenta-intre-credit-si-plata-in-rate","status":"publish","type":"post","link":"https:\/\/weagro.ua\/ro\/blog\/ce-este-plata-in-rate-diferenta-intre-credit-si-plata-in-rate\/","title":{"rendered":"Ce este plata \u00een rate: diferen\u021ba \u00eentre credit \u0219i plata \u00een rate"},"content":{"rendered":"<p>Plata \u00een rate este unul dintre tipurile de finan\u021bare pentru achizi\u021bionarea de bunuri. La baz\u0103 st\u0103 un mecanism simplu \u0219i u\u0219or de \u00een\u021beles &#8211; &#8220;cump\u0103r\u0103 acum, pl\u0103te\u0219te mai t\u00e2rziu&#8221;, f\u0103r\u0103 comisioane \u0219i dob\u00e2nzi pentru cump\u0103r\u0103tor. Este binecunoscut celor care au folosit m\u0103car o dat\u0103 &#8220;plata \u00een rate&#8221; atunci c\u00e2nd au cump\u0103rat, de exemplu, un smartphone, electrocasnice, mobil\u0103, etc.  <\/p>\n\n<p>Dar posibilit\u0103\u021bile pl\u0103\u021bii \u00een rate nu trebuie s\u0103 fie limitate la bunurile de consum.<\/p>\n\n<p>Ast\u0103zi, datorit\u0103 serviciului nostru WEAGRO, to\u021bi reprezentan\u021bii micro-, micilor \u0219i mediilor afaceri agricole pot cump\u0103ra bunuri f\u0103r\u0103 suprataxe \u0219i cu plata am\u00e2nat\u0103. Produsul financiar func\u021bioneaz\u0103 pe acela\u0219i principiu &#8220;cump\u0103r\u0103 acum, pl\u0103te\u0219te mai t\u00e2rziu&#8221; \u0219i permite:  <\/p>\n\n<ul class=\"wp-block-list\">\n<li>p\u0103strarea lichidit\u0103\u021bii;<\/li>\n\n\n\n<li>cre\u0219terea capacit\u0103\u021bii de cump\u0103rare a \u00eentreprinderii;<\/li>\n\n\n\n<li>extinderea activit\u0103\u021bii<\/li>\n<\/ul>\n\n<p>Plata noastr\u0103 \u00een rate agricole \u2014 aceasta este un instrument financiar eficient pentru agricultorii ucraineni \u0219i o posibilitate accesibil\u0103 pentru ei de a-\u0219i dezvolta afacerea.<\/p>\n\n<h2 class=\"wp-block-heading\">Ce este plata \u00een rate<\/h2>\n\n<p>S\u0103 \u00een\u021belegem \u0219i s\u0103 determin\u0103m cui \u00eei este necesar\u0103 serviciul financiar \u0219i c\u00e2t de important este, vor ajuta teoria \u0219i statistica.<\/p>\n\n<p>Deci, plata \u00een rate \u2014 aceasta este o form\u0103 de cump\u0103rare prin care cump\u0103r\u0103torul poate \u00eemp\u0103r\u021bi costul bunului sau serviciului \u00een mai multe pl\u0103\u021bi egale. Acestea se achit\u0103 pe parcursul unei perioade stabilite f\u0103r\u0103 acumularea de dob\u00e2nzi \u0219i comisioane suplimentare.  <\/p>\n\n<p>Plata \u00een rate poate fi oferit\u0103 de institu\u021bii financiare care au licen\u021b\u0103 pentru factoring. \u00cen practic\u0103 \u00eens\u0103, cel mai adesea ajutorul financiar se reduce la creditare, c\u00e2nd fermierul ia bani cu dob\u00e2nd\u0103 \u0219i se confrunt\u0103 cu o mul\u021bime de dificult\u0103\u021bi birocratice. <\/p>\n\n<h3 class=\"wp-block-heading\">Realit\u0103\u021bile creditelor moderne pentru agribusiness: ce spun Cabinetul de Mini\u0219tri \u0219i statistica<\/h3>\n\n<p>Pia\u021ba agrocreditelor \u00een perioada 2022\u20132024 a suferit o serie de schimb\u0103ri. Dar pentru b\u0103nci, \u00eentreprinderile din sectorul agricol ast\u0103zi, ca \u0219i \u00een ultimii 10 ani, r\u0103m\u00e2n cei mai dori\u021bi \u00eemprumuta\u021bi. Pentru ei concureaz\u0103 nu doar creditorii de stat, ci \u0219i cei priva\u021bi.  <\/p>\n\n<p>Conform <a href=\"https:\/\/bdf.gov.ua\/publichna-informatsiia\/informatsiia-pro-rezultaty-derzhavnoi-prohramy-dostupni-kredyty-5-7-9\/\">datelor raportate de Fondul de Dezvoltare a Antreprenoriatului<\/a>, \u00een 2023 aproximativ 14 mii de gospod\u0103rii agricole au primit credite \u00een sum\u0103 total\u0103 de 79 miliarde hrn. <\/p>\n\n<p>Cea mai mare parte a fondurilor (44,5 miliarde UAH) a fost alocat\u0103 prin programul <a href=\"https:\/\/www.kmu.gov.ua\/news\/uryad-nadaye-mozhlivist-otrimati-kredit-do-60-mln-grn-bud-yakomu-ukrayinskomu-pidpriyemstvu-pid-0-na-chas-voyennogo-stanu-za-programoyu-5-7-9\">Credite accesibile 5-7-9<\/a>. Acestea au reprezentat aproape jum\u0103tate din finan\u021barea oferit\u0103 mediului de afaceri de c\u0103tre stat \u00een 2023. Acest lucru confirm\u0103 opinia c\u0103 creditele agricole r\u0103m\u00e2n un serviciu financiar destul de popular \u00een \u021bara noastr\u0103.  <\/p>\n\n<p>Analiz\u00e2nd \u00eenceputul anului 2024, se poate observa tendin\u021ba de tranzi\u021bie de la creditarea preferen\u021bial\u0103 la cea de pia\u021b\u0103, c\u00e2nd banii sunt acorda\u021bi mai dispus cu gajul terenului, iar rata dob\u00e2nzii anuale constituie aproximativ 18%.<\/p>\n\n<p>\u00cen perspectiv\u0103, o astfel de abordare, \u00een opinia Cabinetului de Mini\u0219tri, trebuie s\u0103 contribuie la \u00eenceperea activit\u0103\u021bii unei institu\u021bii nebancare, cunoscute ca <a href=\"https:\/\/www.kmu.gov.ua\/news\/fond-chastkovoho-harantuvannia-kredytiv-pratsiuie-dlia-pidtrymky-malykh-ta-serednikh-fermeriv\">Fondul de Garantare Par\u021bial\u0103 a Creditelor \u00een Agricultur\u0103<\/a>. Acesta a fost creat \u00een cadrul colabor\u0103rii Ministerului Agriculturii, UE \u0219i B\u0103ncii Mondiale cu scopul de a sprijini fermierii care lucreaz\u0103 p\u00e2n\u0103 la 500 ha de teren. <\/p>\n\n<p>Se a\u0219teapt\u0103 ca fondul s\u0103 emit\u0103 o garan\u021bie care va putea acoperi deficitul de gaj pentru ob\u021binerea sumei necesare de credit, va stimula reducerea ratelor creditelor \u0219i va deschide fermierilor noi posibilit\u0103\u021bi de atragere a fondurilor \u0219i dezvoltare a afacerii.<\/p>\n\n<h3 class=\"wp-block-heading\">Problemele fermierilor \u0219i solu\u021bia lor accesibil\u0103<\/h3>\n\n<p>\u00cen timp ce fondul \u00eenfiin\u021bat de Guvern se afl\u0103 \u00een proces de formare \u0219i a\u0219teapt\u0103 modific\u0103ri \u00een cadrul legal, fermierii mici \u0219i mijlocii rezolv\u0103 singuri problema g\u0103sirii de bani &#8220;ieftini&#8221; \u0219i se confrunt\u0103 cu probleme urgente:<\/p>\n\n<ol class=\"wp-block-list\">\n<li>Dob\u00e2nzi anuale ridicate, care cresc semnificativ sarcina financiar\u0103 \u0219i fac creditarea inaccesibil\u0103 pentru gospod\u0103riile agricole, \u00een special cele cu resurse mici.<\/li>\n\n\n\n<li>Acces limitat la credite pentru fermierii mici \u0219i mijlocii comparativ cu cei mari. Primii nu pot ob\u021bine un \u00eemprumut \u00een principal din lipsa istoricului de credit sau a unui gaj adecvat. <\/li>\n\n\n\n<li>Instabilitatea situa\u021biei economice, care duce la fluctua\u021bia pre\u021burilor la produsele agricole, complic\u0103 activitatea fermierilor \u0219i creeaz\u0103 riscuri pentru creditori. Ca urmare, b\u0103ncile sunt nevoite s\u0103 \u00een\u0103spreasc\u0103 condi\u021biile de creditare sau s\u0103 m\u0103reasc\u0103 ratele dob\u00e2nzilor. <\/li>\n\n\n\n<li>Dificult\u0103\u021bi birocratice \u0219i juridice, care constau \u00een neclaritatea \u0219i netransparen\u021ba cerin\u021belor financiare \u0219i juridice.<\/li>\n\n\n\n<li>Nu exist\u0103 asigurarea riscurilor, inclusiv economice \u0219i valutare, ceea ce face creditarea mai pu\u021bin atractiv\u0103.<\/li>\n<\/ol>\n\n<p>Problemele enumerate pot fi rezolvate prin plata \u00een rate, ca instrument transparent \u0219i eficient de planificare \u0219i diversificare a fluxurilor financiare. Aceasta vine \u00een ajutor exact \u00een momentul c\u00e2nd apare nevoia de a cump\u0103ra rapid produsele necesare f\u0103r\u0103 pierderea unei rezerve semnificative de fonduri proprii. <\/p>\n\n<h3 class=\"wp-block-heading\">Cum func\u021bioneaz\u0103 aceasta pentru agribusiness \u2014 pe exemplul WEAGRO<\/h3>\n\n<p>WEAGRO \u2014 aceasta este un serviciu online unde se \u00eent\u00e2lnesc v\u00e2nz\u0103torul (furnizorul de bunuri sau servicii) \u0219i cump\u0103r\u0103torul (fermierul), care interac\u021bioneaz\u0103 unul cu cel\u0103lalt \u00een regim online:<\/p>\n\n<ol class=\"wp-block-list\">\n<li>\u00cen prealabil, cump\u0103r\u0103torul comand\u0103 bunul, iar v\u00e2nz\u0103torul trimite cererea pentru \u00eencheierea contractului de v\u00e2nzare-cump\u0103rare \u00een rate pe site-ul WEAGRO.<\/li>\n\n\n\n<li>\u00cen decurs de 30 de minute vine r\u0103spunsul despre posibilitatea de a \u00eencheia plata \u00een rate.<\/li>\n\n\n\n<li>Dup\u0103 semnarea contractului de v\u00e2nzare-cump\u0103rare, pe contul v\u00e2nz\u0103torului se vireaz\u0103 banii, iar cump\u0103r\u0103torul prime\u0219te bunul sau serviciul pl\u0103tit \u0219i noi detalii pentru plat\u0103 conform graficului de plat\u0103 \u00een rate.<\/li>\n<\/ol>\n\n<p>Pentru acordarea banilor nu este necesar\u0103 garan\u021bie sau chez\u0103\u0219ie \u2014 este suficient contractul de v\u00e2nzare-cump\u0103rare.<\/p>\n<div class=\"banner banner--content\">\n    <div class=\"banner__inner\">\n                    <img decoding=\"async\" data-src=\"https:\/\/weagro.ua\/wp-content\/webp-express\/webp-images\/uploads\/2024\/05\/banner-content.jpg.webp\"  class=\"banner__bg lazyload\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 780px; --smush-placeholder-aspect-ratio: 780\/222;\" \/>\n                <div class=\"banner__content\">\n            <div class=\"banner__text\">\n                <h4>Cump\u0103ra\u021bi acum, pl\u0103ti\u021bi mai t\u00e2rziu<\/h4>\n<h2>Finan\u021bare agricol\u0103 pentru produc\u0103torul agricol<\/h2>            <\/div>\n                                                \t\t\t\t\t\t\t        <\/div>\n    <\/div>\n<\/div>\n<h3 class=\"wp-block-heading\">Iar c\u00e2t \u0219i c\u00e2nd s\u0103 pl\u0103teasc\u0103?<\/h3>\n\n<p>Fermierul poate alege independent forma de calcul mai convenabil\u0103 pentru el. Aceasta poate fi plata \u00een p\u0103r\u021bi \u2014 pe o perioad\u0103 de p\u00e2n\u0103 la 180 de zile. Suma se \u00eemparte \u00een pl\u0103\u021bi egale, care se fac \u00een ultima zi a lunii. \u0218i plata cu am\u00e2nare \u2014 pe o perioad\u0103 de asemenea p\u00e2n\u0103 la 180 de zile, cu calculul la sf\u00e2r\u0219itul termenului de plat\u0103 \u00een rate.    <\/p>\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"560\" data-src=\"http:\/\/weagro.ua\/wp-content\/uploads\/2024\/06\/31-1024x560.png\" alt=\"Imaginea fermierului care folose&#x219;te serviciul online de plat&#x103; &#xEE;n rate agricole WEAGRO\" class=\"wp-image-948 lazyload\" data-srcset=\"https:\/\/weagro.ua\/wp-content\/uploads\/2024\/06\/31-1024x560.png 1024w, https:\/\/weagro.ua\/wp-content\/webp-express\/webp-images\/uploads\/2024\/06\/31-300x164.png.webp 300w, https:\/\/weagro.ua\/wp-content\/webp-express\/webp-images\/uploads\/2024\/06\/31-768x420.png.webp 768w, https:\/\/weagro.ua\/wp-content\/webp-express\/webp-images\/uploads\/2024\/06\/31-1536x841.png.webp 1536w, https:\/\/weagro.ua\/wp-content\/webp-express\/webp-images\/uploads\/2024\/06\/31-2048x1121.png.webp 2048w\" data-sizes=\"(max-width: 1024px) 100vw, 1024px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 1024px; --smush-placeholder-aspect-ratio: 1024\/560;\" \/><\/figure>\n\n<h2 class=\"wp-block-heading\">Diferen\u021ba dintre credit \u0219i plata \u00een rate<\/h2>\n\n<p>Creditul \u2014 produs bancar popular, care permite rezolvarea problemelor financiare urgente sau cump\u0103rarea de bunuri c\u00e2nd nu sunt suficiente fonduri proprii. Acesta, ca \u0219i plata \u00een rate, este acordat de banc\u0103 sau institu\u021bie financiar\u0103, dar deja cu dob\u00e2nzi, care formeaz\u0103 o sum\u0103 semnificativ\u0103 de supratax\u0103 \u00een momentul stingerii \u00eemprumutului. Dar aceasta nu este singura diferen\u021b\u0103 a creditului fa\u021b\u0103 de plata \u00een rate.  <\/p>\n\n<p>Caracteristica comparativ\u0103 a condi\u021biilor de acordare, prezentat\u0103 \u00een tabelul 2, va ajuta s\u0103 \u00een\u021belege\u021bi principalele avantaje \u0219i dezavantaje. <\/p>\n\n<p>Imaginea 1. Diferen\u021ba dintre credit \u0219i plata \u00een rate <\/p>\n\n<figure class=\"wp-block-image size-large is-style-default\"><img decoding=\"async\" width=\"1024\" height=\"651\" data-src=\"http:\/\/weagro.ua\/wp-content\/uploads\/2024\/06\/screenshot-2024-06-21-at-12.43.48-1024x651.png\" alt=\"Compara&#x21B;ie: &quot;c&#xE2;nd este credit&quot; &#x219;i &quot;c&#xE2;nd este agro-plata &#xEE;n rate&quot; de la WEAGRO\" class=\"wp-image-952 lazyload\" data-srcset=\"https:\/\/weagro.ua\/wp-content\/uploads\/2024\/06\/screenshot-2024-06-21-at-12.43.48-1024x651.png 1024w, https:\/\/weagro.ua\/wp-content\/webp-express\/webp-images\/uploads\/2024\/06\/screenshot-2024-06-21-at-12.43.48-300x191.png.webp 300w, https:\/\/weagro.ua\/wp-content\/webp-express\/webp-images\/uploads\/2024\/06\/screenshot-2024-06-21-at-12.43.48-768x488.png.webp 768w,  https:\/\/weagro.ua\/wp-content\/uploads\/2024\/06\/screenshot-2024-06-21-at-12.43.48-1536x977.png 1536w, https:\/\/weagro.ua\/wp-content\/webp-express\/webp-images\/uploads\/2024\/06\/screenshot-2024-06-21-at-12.43.48-2048x1302.png.webp 2048w\" data-sizes=\"(max-width: 1024px) 100vw, 1024px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 1024px; --smush-placeholder-aspect-ratio: 1024\/651;\" \/><\/figure>\n\n<p>\u00cen concluzie, principalul avantaj al creditului \u2014 aceasta este posibilitatea de a \u00eencheia un \u00eemprumut pe termen lung (peste un an) sub form\u0103 de bani lichizi pe cont.<\/p>\n\n<p>Dar plata \u00een rate permite ob\u021binerea fondurilor \u00eentr-un termen minim scurt, f\u0103r\u0103 h\u00e2r\u021bog\u0103rie, costuri ascunse \u0219i suprataxe. <\/p>\n\n<p>Exact o astfel de abordare propune serviciul nostru <a href=\"https:\/\/weagro.ua\/ro\/\">WEAGRO<\/a>. Folosindu-l, fermierul interac\u021bioneaz\u0103 direct cu furnizorul \u0219i evit\u0103 contactul direct cu banca sau compania financiar\u0103. El prime\u0219te decizia despre acordarea pl\u0103\u021bii \u00een rate \u00een 30 de minute, iar v\u00e2nz\u0103torul \u2014 plata conform contractului \u00een decurs de o zi.  <\/p>\n\n<p>\u00centregul proces financiar este controlat de compania de factoring, care verific\u0103 solvabilitatea \u00eemprumutatului, transfer\u0103 fondurile v\u00e2nz\u0103torului \u0219i \u00eenso\u021be\u0219te, dac\u0103 este necesar, cump\u0103r\u0103torul p\u00e2n\u0103 la sf\u00e2r\u0219itul termenului contractului.<\/p>\n\n<p>Informa\u021bia despre \u00eemprumut se formeaz\u0103 \u00een cabinetele personale ale v\u00e2nz\u0103torului, cump\u0103r\u0103torului \u0219i factorului, ceea ce asigur\u0103 transparen\u021ba tranzac\u021biei \u0219i interac\u021biunea clar\u0103 a p\u0103r\u021bilor.<\/p>\n\n<h2 class=\"wp-block-heading\">Concluzie<\/h2>\n\n<p>WEAGRO, propun\u00e2nd un serviciu financiar inovator, extinde posibilit\u0103\u021bile pentru agribusiness. Acesta permite fermierului s\u0103 fac\u0103 mai multe cump\u0103r\u0103turi sau s\u0103 aleag\u0103 bunuri mai scumpe, f\u0103r\u0103 s\u0103 se \u00eengrijoreze de impactul negativ asupra balan\u021bei sale, distribuind cheltuielile pentru achizi\u021bie pe o perioad\u0103 mai \u00eendelungat\u0103. <\/p>\n\n<p>Iar furnizorii de produse agricole, care vor deveni parteneri WEAGRO, vor putea extinde baza de clien\u021bi, cre\u0219te volumele de v\u00e2nz\u0103ri \u0219i reduce riscurile de neplat\u0103.<\/p>\n\n<p>\u00cencepe\u021bi utilizarea WEAGRO chiar ast\u0103zi \u0219i descoperi\u021bi o multitudine de noi posibilit\u0103\u021bi.<\/p>\n<div class=\"banner banner--content\">\n    <div class=\"banner__inner\">\n                    <img decoding=\"async\" data-src=\"https:\/\/weagro.ua\/wp-content\/webp-express\/webp-images\/uploads\/2024\/05\/banner-content.jpg.webp\"  class=\"banner__bg lazyload\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 780px; --smush-placeholder-aspect-ratio: 780\/222;\" \/>\n                <div class=\"banner__content\">\n            <div class=\"banner__text\">\n                <h4>Cump\u0103ra\u021bi acum, pl\u0103ti\u021bi mai t\u00e2rziu<\/h4>\n<h2>Finan\u021bare agricol\u0103 pentru produc\u0103torul agricol<\/h2>            <\/div>\n                                                \t\t\t\t\t\t\t        <\/div>\n    <\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Plata \u00een rate este unul dintre tipurile de finan\u021bare pentru achizi\u021bionarea de bunuri. La baz\u0103 st\u0103 un mecanism simplu \u0219i u\u0219or de \u00een\u021beles &#8211; &#8220;cump\u0103r\u0103 acum, pl\u0103te\u0219te mai t\u00e2rziu&#8221;, f\u0103r\u0103 comisioane \u0219i dob\u00e2nzi pentru cump\u0103r\u0103tor. Este binecunoscut celor care au folosit m\u0103car o dat\u0103 &#8220;plata \u00een rate&#8221; atunci c\u00e2nd au cump\u0103rat, de exemplu, un smartphone, [&hellip;]<\/p>","protected":false},"author":3,"featured_media":5132,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[40],"tags":[],"class_list":["post-5124","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bez-kategoriyi"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Ce este plata \u00een rate: diferen\u021ba \u00eentre credit \u0219i plata \u00een rate - WEAGRO<\/title>\n<meta name=\"description\" content=\"Plata \u00een rate \u2014 aceasta este o solu\u021bie modern\u0103 pentru agribusiness. 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