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  <!-- Homepage -->
  <url>
    <loc>https://baniazi.ro/</loc>
    <xhtml:link rel="alternate" hreflang="ro" href="https://baniazi.ro/"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://baniazi.ro/"/>
    <lastmod>2026-03-10</lastmod>
    <changefreq>daily</changefreq>
    <priority>1.0</priority>
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  <!-- AI Credit Assistant -->
  <url>
    <loc>https://baniazi.ro/ai-chat</loc>
    <xhtml:link rel="alternate" hreflang="ro" href="https://baniazi.ro/ai-chat"/>
    <lastmod>2026-03-10</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Credit Wizard -->
  <url>
    <loc>https://baniazi.ro/credit-wizard</loc>
    <xhtml:link rel="alternate" hreflang="ro" href="https://baniazi.ro/credit-wizard"/>
    <lastmod>2026-03-10</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Blog Listing -->
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    <loc>https://baniazi.ro/blog</loc>
    <xhtml:link rel="alternate" hreflang="ro" href="https://baniazi.ro/blog"/>
    <lastmod>2026-03-10</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Blog: Ghid financiar simplu -->
  <url>
    <loc>https://baniazi.ro/blog/ghid-financiar-simplu</loc>
    <xhtml:link rel="alternate" hreflang="ro" href="https://baniazi.ro/blog/ghid-financiar-simplu"/>
    <lastmod>2026-03-10</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Blog: De ce sa lucrezi cu un broker de credite -->
  <url>
    <loc>https://baniazi.ro/blog/de-ce-sa-lucrezi-cu-un-broker-de-credite</loc>
    <xhtml:link rel="alternate" hreflang="ro" href="https://baniazi.ro/blog/de-ce-sa-lucrezi-cu-un-broker-de-credite"/>
    <lastmod>2026-03-06</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Blog: ROBOR si IRCC scad -->
  <url>
    <loc>https://baniazi.ro/blog/robor-si-ircc-scad-ce-se-intampla-de-fapt-cu-rata-ta-lunara</loc>
    <xhtml:link rel="alternate" hreflang="ro" href="https://baniazi.ro/blog/robor-si-ircc-scad-ce-se-intampla-de-fapt-cu-rata-ta-lunara"/>
    <lastmod>2026-02-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Blog: Ce este scorul de credit -->
  <url>
    <loc>https://baniazi.ro/blog/ce-este-scorul-de-credit-si-de-ce-iti-blocheaza-sau-deblocheaza-accesul-la-orice-imprumut</loc>
    <xhtml:link rel="alternate" hreflang="ro" href="https://baniazi.ro/blog/ce-este-scorul-de-credit-si-de-ce-iti-blocheaza-sau-deblocheaza-accesul-la-orice-imprumut"/>
    <lastmod>2026-02-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Blog: Imprumuturi de la IFN-uri -->
  <url>
    <loc>https://baniazi.ro/blog/imprumuturi-de-la-ifn-uri-ce-sunt-cat-te-pot-costa-si-ce-spune-legea-ca-au-voie-sa-faca</loc>
    <xhtml:link rel="alternate" hreflang="ro" href="https://baniazi.ro/blog/imprumuturi-de-la-ifn-uri-ce-sunt-cat-te-pot-costa-si-ce-spune-legea-ca-au-voie-sa-faca"/>
    <lastmod>2026-02-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Blog: Tot ce trebuie sa stii despre credite si dobanzi -->
  <url>
    <loc>https://baniazi.ro/blog/tot-ce-trebuie-sa-stii-despre-credite-si-dobanzi-in-romania</loc>
    <xhtml:link rel="alternate" hreflang="ro" href="https://baniazi.ro/blog/tot-ce-trebuie-sa-stii-despre-credite-si-dobanzi-in-romania"/>
    <lastmod>2026-02-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Contact -->
  <url>
    <loc>https://baniazi.ro/contact</loc>
    <xhtml:link rel="alternate" hreflang="ro" href="https://baniazi.ro/contact"/>
    <lastmod>2026-03-10</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>

  <!-- Servicii: Credit Nevoi Personale -->
  <url>
    <loc>https://baniazi.ro/servicii/credit-personal</loc>
    <xhtml:link rel="alternate" hreflang="ro" href="https://baniazi.ro/servicii/credit-personal"/>
    <lastmod>2026-03-10</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Servicii: Credit Ipotecar -->
  <url>
    <loc>https://baniazi.ro/servicii/credit-ipotecar</loc>
    <xhtml:link rel="alternate" hreflang="ro" href="https://baniazi.ro/servicii/credit-ipotecar"/>
    <lastmod>2026-03-10</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Servicii: Refinantare -->
  <url>
    <loc>https://baniazi.ro/servicii/refinantare</loc>
    <xhtml:link rel="alternate" hreflang="ro" href="https://baniazi.ro/servicii/refinantare"/>
    <lastmod>2026-03-10</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Servicii: Carduri de Credit -->
  <url>
    <loc>https://baniazi.ro/servicii/card-credit</loc>
    <xhtml:link rel="alternate" hreflang="ro" href="https://baniazi.ro/servicii/card-credit"/>
    <lastmod>2026-03-10</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Servicii: Credit PFA / Juridic -->
  <url>
    <loc>https://baniazi.ro/servicii/credit-pfa</loc>
    <xhtml:link rel="alternate" hreflang="ro" href="https://baniazi.ro/servicii/credit-pfa"/>
    <lastmod>2026-03-10</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Legal Pages -->
  <url>
    <loc>https://baniazi.ro/legal/termeni-si-conditii</loc>
    <lastmod>2026-03-10</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>

  <url>
    <loc>https://baniazi.ro/legal/politica-de-confidentialitate</loc>
    <lastmod>2026-03-10</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>

  <url>
    <loc>https://baniazi.ro/legal/politica-cookies</loc>
    <lastmod>2026-03-10</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>

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