<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">

  <!-- HOMEPAGE -->
  <url>
    <loc>https://www.rosacredit.ro/</loc>
    <lastmod>2026-03-29</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>

  <!-- PAGINI SERVICII PRINCIPALE (cuvinte cheie țintă) -->
  <url>
    <loc>https://www.rosacredit.ro/credit-nevoi-personale.html</loc>
    <lastmod>2026-03-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.95</priority>
  </url>

  <url>
    <loc>https://www.rosacredit.ro/credit-ipotecar.html</loc>
    <lastmod>2026-03-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.95</priority>
  </url>

  <url>
    <loc>https://www.rosacredit.ro/credit-persoane-juridice.html</loc>
    <lastmod>2026-03-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.90</priority>
  </url>

  <!-- PAGINI SECUNDARE -->
  <url>
    <loc>https://www.rosacredit.ro/contact.html</loc>
    <lastmod>2026-03-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>

  <url>
    <loc>https://www.rosacredit.ro/blog.html</loc>
    <lastmod>2026-04-09</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.80</priority>
  </url>

  <!-- ARTICOLE BLOG 2026 -->
  <url>
    <loc>https://www.rosacredit.ro/blog/noua-casa-prima-casa-2026.html</loc>
    <lastmod>2026-04-09</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>

  <url>
    <loc>https://www.rosacredit.ro/blog/credit-ipotecar-fara-avans-2026.html</loc>
    <lastmod>2026-04-09</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.82</priority>
  </url>

  <url>
    <loc>https://www.rosacredit.ro/blog/refinantare-credit-ipotecar-ghid.html</loc>
    <lastmod>2026-04-09</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.82</priority>
  </url>

  <url>
    <loc>https://www.rosacredit.ro/blog/ircc-explicat-simplu-2026.html</loc>
    <lastmod>2026-04-09</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.82</priority>
  </url>

  <url>
    <loc>https://www.rosacredit.ro/blog/scor-de-credit-birou-de-credit.html</loc>
    <lastmod>2026-04-09</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.80</priority>
  </url>

  <url>
    <loc>https://www.rosacredit.ro/blog/acte-necesare-credit-ipotecar-2026.html</loc>
    <lastmod>2026-04-09</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.80</priority>
  </url>

  <url>
    <loc>https://www.rosacredit.ro/blog/credit-nevoi-personale-conditii-acte.html</loc>
    <lastmod>2026-04-09</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.80</priority>
  </url>

  <url>
    <loc>https://www.rosacredit.ro/blog/credit-pfa-persoana-fizica-autorizata-2026.html</loc>
    <lastmod>2026-04-09</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.80</priority>
  </url>

  <url>
    <loc>https://www.rosacredit.ro/blog/broker-credite-vs-banca-directa.html</loc>
    <lastmod>2026-04-09</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.78</priority>
  </url>

  <url>
    <loc>https://www.rosacredit.ro/blog/credit-persoane-juridice-imm-2026.html</loc>
    <lastmod>2026-04-09</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.78</priority>
  </url>

  <!-- PAGINI LEGALE -->
  <url>
    <loc>https://www.rosacredit.ro/politica-confidentialitate.html</loc>
    <lastmod>2026-03-27</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.2</priority>
  </url>

  <url>
    <loc>https://www.rosacredit.ro/termeni-conditii.html</loc>
    <lastmod>2026-03-27</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.2</priority>
  </url>

  <url>
    <loc>https://www.rosacredit.ro/gdpr.html</loc>
    <lastmod>2026-03-27</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.2</priority>
  </url>

</urlset>
