{"id":8496,"date":"2021-01-06T14:07:21","date_gmt":"2021-01-06T12:07:21","guid":{"rendered":"https:\/\/newcredit.ro\/refinantare\/"},"modified":"2025-10-10T13:05:00","modified_gmt":"2025-10-10T10:05:00","slug":"loan-refinancing-with-and-without-guarantee","status":"publish","type":"page","link":"https:\/\/newcredit.ro\/en\/loan-refinancing-with-and-without-guarantee\/","title":{"rendered":"LOAN REFINANCING WITH AND WITHOUT GUARANTEE"},"content":{"rendered":"<div class=\"wpb-content-wrapper\">[vc_row fullwidth=&#8221;true&#8221;][vc_column][vc_column_text css=&#8221;.vc_custom_1760090696857{margin-bottom: 0px !important;}&#8221;]\n\t\t\t\t<p class=\"rs-p-wp-fix\"><\/p>\n\t\t\t\t<sr7-module data-alias=\"ref-en\" data-id=\"27\" id=\"SR7_27_1\" data-version=\"7.0.4\">\n\t\t\t\t\t<sr7-adjuster><\/sr7-adjuster>\n\t\t\t\t\t<sr7-content>\n\t\t\t\t\t\t<sr7-slide id=\"SR7_27_1-22\" data-key=\"22\">\n\t\t\t\t\t\t\t<sr7-bg id=\"SR7_27_1-22-8\" class=\"sr7-layer\"><noscript><img decoding=\"async\" src=\"https:\/\/newcredit.ro\/wp-content\/uploads\/2021\/01\/ref.jpg\" alt=\"\" title=\"ref\"><\/noscript><\/sr7-bg>\n\t\t\t\t\t\t\t<sr7-txt id=\"SR7_27_1-22-2\" class=\"sr7-layer\">Your reliable specialist in obtaining bank loans!<\/sr7-txt>\n\t\t\t\t\t\t\t<a id=\"SR7_27_1-22-7\" class=\"sr7-layer\" href=\"http:\/\/www.newcredit.ro\/en\/apply-now\/\" target=\"_self\" rel=\"nofollow\">APPLY NOW !<\/a>\n\t\t\t\t\t\t<\/sr7-slide>\n\t\t\t\t\t\t<sr7-slide id=\"SR7_27_1-49\" data-key=\"49\">\n\t\t\t\t\t\t<\/sr7-slide>\n\t\t\t\t\t<\/sr7-content>\n\t\t\t\t\t<image_lists style=\"display:none\">\n\t\t\t\t\t\t<img data-src=\"\/\/newcredit.ro\/wp-content\/uploads\/2021\/09\/logo-bb-en.png\" data-libid=\"8471\" title=\"logo-bb-en\" width=\"0\" height=\"0\" data-dbsrc=\"Ly9uZXdjcmVkaXQucm8vd3AtY29udGVudC91cGxvYWRzLzIwMjEvMDkvbG9nby1iYi1lbi5wbmc=\"\/>\n\t\t\t\t\t\t<img data-src=\"\/\/newcredit.ro\/wp-content\/uploads\/2021\/01\/ref.jpg\" data-libid=\"7960\" data-lib=\"medialibrary\" title=\"ref\" width=\"0\" height=\"0\" data-dbsrc=\"Ly9uZXdjcmVkaXQucm8vd3AtY29udGVudC91cGxvYWRzLzIwMjEvMDEvcmVmLmpwZw==\"\/>\n\t\t\t\t\t<\/image_lists>\n\t\t\t\t<\/sr7-module>\n\t\t\t\t<script>\n\t\t\t\t\twindow.SR7??={}; SR7.PMH ??={}; SR7.PMH[\"SR7_27_1\"] = {cn:100,state:false,fn: function() { if (window._tpt!==undefined && window._tpt.prepareModuleHeight !== undefined) {  _tpt.prepareModuleHeight({id:\"SR7_27_1\",el:[500,500,768,960,720],type:'standard',shdw:'1',gh:[500,500,\"#a\",\"#a\",\"#a\"],gw:[1920,1920,\"#a\",\"#a\",\"#a\"],vpt:['-200px'],size:{fullWidth:true, fullHeight:false},mh:',,,,',onh:0,onw:0,bg:{color:'{\"orig\":\"transparent\",\"type\":\"solid\",\"string\":\"transparent\"}'},plType:'0',plColor:'#FFFFFF'});   SR7.PMH[\"SR7_27_1\"].state=true;} else if(SR7.PMH[\"SR7_27_1\"].cn-->0)\tsetTimeout( SR7.PMH[\"SR7_27_1\"].fn,19);}};SR7.PMH[\"SR7_27_1\" ].fn();\n\t\t\t\t<\/script>\n[\/vc_column_text][mk_padding_divider size=&#8221;30&#8243;][\/vc_column][\/vc_row][vc_row][vc_column][mk_padding_divider size=&#8221;30&#8243;][vc_column_text css=&#8221;.vc_custom_1760090663191{margin-bottom: 0px !important;}&#8221;]\n<p style=\"text-align: justify;\"><strong>Do you already have a loan, but want to reduce the amount of the monthly installment you pay to the bank? Or maybe you need help to pay the existing monthly installments in optimal conditions?<\/strong><\/p>\n<p style=\"text-align: justify;\">The purpose of refinancing loans is to give you extra comfort and financial balance. With the help of a refinancing loan you can get:<\/p>\n<ul>\n<li style=\"text-align: justify;\">refinancing loans to lower the current monthly loan installments<\/li>\n<li style=\"text-align: justify;\">obtaining an additional amount needed to start new projects, without affecting the payment of the current installment<\/li>\n<li style=\"text-align: justify;\">lowering the current interest rate<\/li>\n<li style=\"text-align: justify;\">lowering the current monthly installment, thus allowing access to a new loan<\/li>\n<li style=\"text-align: justify;\">shortening the payment period of the current loan, maintaining the same value of the monthly installment<\/li>\n<\/ul>\n[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1760090399845{margin-bottom: 0px !important;}&#8221;]\n<div class=\" vc_custom_1630933929026\">\n<div id=\"text-block-405\" class=\"mk-text-block jupiter-donut- \">\n<h2>Lending conditions:<\/h2>\n<\/div>\n<\/div>\n[\/vc_column_text][mk_custom_list style=&#8221;mk-moon-checkbox&#8221; align=&#8221;left&#8221;]\n<ul>\n<li>credit currency: EUR\/USD<\/li>\n<li>minimum advance: 0%<\/li>\n<li>approval time: 1-10 days<\/li>\n<\/ul>\n[\/mk_custom_list][mk_padding_divider size=&#8221;30&#8243;][\/vc_column][\/vc_row][mk_page_section bg_color=&#8221;#103045&#8243; border_color=&#8221;#fec419&#8243; bg_position=&#8221;left bottom&#8221; bg_repeat=&#8221;no-repeat&#8221; bg_stretch=&#8221;true&#8221; enable_3d=&#8221;true&#8221; min_height=&#8221;30&#8243; padding_top=&#8221;0&#8243; padding_bottom=&#8221;0&#8243; sidebar=&#8221;sidebar-1&#8243;][vc_column width=&#8221;2\/3&#8243;][mk_padding_divider visibility=&#8221;visible-dt&#8221;][vc_column_text css=&#8221;.vc_custom_1610120695986{margin-bottom: 0px !important;}&#8221;]\n<h2><span style=\"color: #fec419;\">Customized financial solutions<br \/>\n<\/span><\/h2>\n[\/vc_column_text][mk_padding_divider size=&#8221;30&#8243; visibility=&#8221;visible-dt&#8221;][\/vc_column][vc_column width=&#8221;1\/3&#8243;][mk_padding_divider size=&#8221;30&#8243; visibility=&#8221;visible-dt&#8221;][mk_image src=&#8221;https:\/\/newcredit.ro\/wp-content\/uploads\/2021\/09\/buta-en.png&#8221; image_size=&#8221;full&#8221; link=&#8221;https:\/\/newcredit.ro\/en\/apply-now\/&#8221; align=&#8221;center&#8221; margin_bottom=&#8221;0&#8243;][mk_padding_divider size=&#8221;30&#8243; visibility=&#8221;visible-dt&#8221;][\/vc_column][\/mk_page_section][mk_page_section vertical_align=&#8221;center&#8221; bg_image=&#8221;https:\/\/newcredit.ro\/wp-content\/uploads\/2021\/01\/backg-scaled.jpg&#8221; bg_color=&#8221;#fec419&#8243; border_color=&#8221;#103045&#8243; bg_position=&#8221;center center&#8221; bg_repeat=&#8221;no-repeat&#8221; bg_stretch=&#8221;true&#8221; enable_3d=&#8221;true&#8221; full_width=&#8221;true&#8221; js_vertical_centered=&#8221;true&#8221; sidebar=&#8221;sidebar-1&#8243;][vc_column][vc_row_inner][vc_column_inner width=&#8221;1\/12&#8243;][\/vc_column_inner][vc_column_inner width=&#8221;3\/12&#8243;][mk_padding_divider size=&#8221;30&#8243;][vc_column_text css=&#8221;.vc_custom_1713082224249{margin-bottom: 0px !important;}&#8221;]<a href=\"https:\/\/newcredit.ro\/wp-content\/uploads\/2021\/01\/phone600a.png\"><img decoding=\"async\" class=\"size-medium wp-image-7937 aligncenter\" src=\"https:\/\/newcredit.ro\/wp-content\/uploads\/2021\/01\/phone600a-248x300.png\" alt=\"Credit nevoi personale\" width=\"248\" height=\"300\" srcset=\"https:\/\/newcredit.ro\/wp-content\/uploads\/2021\/01\/phone600a-248x300.png 248w, https:\/\/newcredit.ro\/wp-content\/uploads\/2021\/01\/phone600a-20x24.png 20w, https:\/\/newcredit.ro\/wp-content\/uploads\/2021\/01\/phone600a-30x36.png 30w, https:\/\/newcredit.ro\/wp-content\/uploads\/2021\/01\/phone600a-40x48.png 40w, https:\/\/newcredit.ro\/wp-content\/uploads\/2021\/01\/phone600a.png 600w\" sizes=\"(max-width: 248px) 100vw, 248px\" \/><\/a>[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1751544546968{margin-bottom: 0px !important;}&#8221;]\n<p style=\"text-align: center;\">Find out more\u00a0<a href=\"https:\/\/newcredit.ro\/en\/about-us\/\"><strong>ABOUT US<\/strong><\/a><\/p>\n[\/vc_column_text][mk_padding_divider size=&#8221;30&#8243;][\/vc_column_inner][vc_column_inner width=&#8221;7\/12&#8243;][mk_padding_divider size=&#8221;30&#8243;][mk_fancy_title color=&#8221;#103045&#8243; size=&#8221;48&#8243; force_font_size=&#8221;true&#8221; size_tablet=&#8221;40&#8243; size_phone=&#8221;25&#8243; font_weight=&#8221;300&#8243; txt_transform=&#8221;none&#8221; letter_spacing=&#8221;2&#8243; font_family=&#8221;none&#8221; align=&#8221;center&#8221;]Personalised financial solutions[\/mk_fancy_title][vc_column_text align=&#8221;center&#8221; css=&#8221;.vc_custom_1751544566851{margin-bottom: 0px !important;}&#8221;]\n<div class=\" vc_custom_1729844936339\">\n<div id=\"text-block-51\" class=\"mk-text-block jupiter-donut- \">\n<p style=\"text-align: center;\"><strong>New Credit<\/strong>\u00a0offers consultancy in order to obtain credit solutions, offering all types of loans\u2014from unsecured personal loans, consumer loans, and secured loans to refinancing, \u2018Noua Cas\u0103,\u2019 and credit cards\u2014designed to meet diverse financing needs.<\/p>\n<\/div>\n<\/div>\n[\/vc_column_text][mk_padding_divider size=&#8221;15&#8243;][vc_column_text css=&#8221;.vc_custom_1751544579938{margin-bottom: 0px !important;}&#8221;]\n<h3 style=\"text-align: center;\"><strong style=\"font-size: 16px;\">NewCredit \u2013 Personal loan, mortgage loan, refinancing, car loan \u2013<\/strong><\/h3>\n[\/vc_column_text][mk_padding_divider size=&#8221;15&#8243;][vc_column_text css=&#8221;.vc_custom_1751544593970{margin-bottom: 0px !important;}&#8221;]\n<div class=\" vc_custom_1610405731999\">\n<div id=\"text-block-8\" class=\"mk-text-block jupiter-donut- \">\n<p style=\"text-align: center;\">With over 10 years of experience in finance, especially in personal loans, we have over ten thousand satisfied clients who turn to us whenever they need a banking product or financial advice.<\/p>\n<p style=\"text-align: center;\">We\u2019re here to help you with a personal loan, a mortgage loan, a car loan, a credit card, or refinancing an existing loan.<\/p>\n<p style=\"text-align: center;\">We assess your situation and provide the best loan options for you and your family. We partner with major banks, working together to find the best offer tailored to your needs.\u201d<\/p>\n<\/div>\n<\/div>\n[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1751544604298{margin-bottom: 0px !important;}&#8221;]\n<div class=\" vc_custom_1729845477808\">\n<div id=\"text-block-56\" class=\"mk-text-block jupiter-donut- \">\n<p style=\"text-align: center;\"><strong>Visit our\u00a0<a href=\"https:\/\/www.facebook.com\/vreaunewcredit\/\">Facebook<\/a>\u00a0page in order to get the whole NewCredit experience.<\/strong><\/p>\n<\/div>\n<\/div>\n[\/vc_column_text][mk_padding_divider size=&#8221;30&#8243;][\/vc_column_inner][vc_column_inner width=&#8221;1\/12&#8243;][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/mk_page_section]\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_row fullwidth=&#8221;true&#8221;][vc_column][vc_column_text css=&#8221;.vc_custom_1760090696857{margin-bottom: 0px !important;}&#8221;][\/vc_column_text][mk_padding_divider size=&#8221;30&#8243;][\/vc_column][\/vc_row][vc_row][vc_column][mk_padding_divider size=&#8221;30&#8243;][vc_column_text css=&#8221;.vc_custom_1760090663191{margin-bottom: 0px !important;}&#8221;] Do you already have a loan, but want to reduce the amount of the monthly installment you pay to the bank? Or maybe you need help to pay the existing monthly installments in optimal conditions? The purpose of refinancing loans is to give you extra [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"rs_blank_template":"","rs_page_bg_color":"","slide_template_v7":"","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_uf_show_specific_survey":0,"_uf_disable_surveys":false,"footnotes":""},"class_list":["post-8496","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.1 (Yoast SEO v27.1.1) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>NewCredit \u2013 Your Trusted Personal Loan &amp; Mortgage Partner<\/title>\n<meta name=\"description\" content=\"Choose NewCredit for personal loan solutions that work for your budget. 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