{"id":18827,"date":"2012-12-22T00:00:00","date_gmt":"2012-12-21T22:00:00","guid":{"rendered":"https:\/\/new.bancamea.md\/?p=18827"},"modified":"2026-08-31T21:49:44","modified_gmt":"2026-08-31T18:49:44","slug":"in-noiembrie-rata-medie-la-creditele-de-consum-a-constituit-1509-la-creditele-imobiliare-1081","status":"publish","type":"post","link":"https:\/\/new.bancamea.md\/?p=18827","title":{"rendered":"\u00cen noiembrie rata medie la creditele de consum a constituit 15.09%, la creditele imobiliare &#8211; 10.81%"},"content":{"rendered":"\n<p><a href=\"http:\/\/bnm.org\/\" target=\"_blank\"><strong>Banca Nationala a Moldovei<\/strong><\/a> a publicat <a href=\"\/app\/webroot\/uploaded\/bnm%20credite%20noi%202012.pdf\" target=\"_blank\">statistica pentru luna noiembrie<\/a> privind volumul creditelor acordate si ratele medii.<\/p>\n<p>Astfel, \u00een luna noiembrie persoanele fizice au luat credite (\u00een lei) \u00een valoare de 271,9 mln lei, cu 61 mln mai putin dec\u00e2t \u00een luna octombrie. \u00cen acceasi perioada a anului 2011 suma creditelor acordate a constituit 236,7 mln lei.<\/p>\n<p><strong>Rata medie a dob\u00e2nzii la creditele (\u00een lei) acordate persoanelor fizice &#8211; 14,72% cu 0,46 p.p. mai putin dec\u00e2t \u00een octombrie 2012 (15,18%).<\/strong><\/p>\n<p>52,9% din volumul creditelor acordate persoanelor fizice, reprezinta <strong>creditele de consum<\/strong>, care au totalizat \u00een luna noiembrie \u2013 143,8 mln lei. Rata medie a dob\u00e2nzii la creditele de consum a constituit 15,09 %, cu 0,13 p.p mai mica dec\u00e2t \u00een luna octombrie.<\/p>\n<p>De asemenea, populatia a beneficiat de <strong>credite imobiliare<\/strong>, per total s-au acordat 55,4 mln lei. Rata medie a dob\u00e2nzii la creditele imobiliare a cobor\u00e2t la 10,81%, \u00een timp ce \u00een octombrie se \u00eenregistra o valoare de 11,16%.<\/p>\n<p>Totodata populatia s-a \u00eemprumutat si \u00een valuta straina. Creditele acordate \u00een valuta straina (recalculate \u00een lei) au \u00eensumat 8,1 mln lei. Rata medie a dob\u00e2nzii &#8211; 9,73%.<\/p>\n<p>Va prezentam mai jos evolutia ratei dob\u00e2nzii la creditele acordate persoanelor fizice (per total), creditele de consum si cele imobiliare.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" src=\"\/app\/webroot\/uploaded\/rata%20credite%2011%20luni.jpg\" alt=\"\" width=\"680\" height=\"500\" \/><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" src=\"\/app\/webroot\/uploaded\/rata%20credite%20de%20consum%2011%20luni.jpg\" alt=\"\" width=\"680\" height=\"500\" \/><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" src=\"\/app\/webroot\/uploaded\/rata%20credite%20imobiliare%2011%20luni.jpg\" alt=\"\" width=\"680\" height=\"500\" \/><\/p>\n<p>Ofertele bancilor comerciale le puteti vizualiza \u00een <a href=\"\/loans\" target=\"_self\"><strong>pagina Credite<\/strong><\/a>, select\u00e2nd tipul dorit &#8211; de consum, auto, imobiliar s.a.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Banca Nationala a Moldovei a publicat statistica pentru luna noiembrie privind volumul creditelor acordate si ratele medii. Astfel, \u00een luna noiembrie persoanele fizice au luat credite (\u00een lei) \u00een valoare de 271,9 mln lei, cu 61 mln mai putin dec\u00e2t &#8230;<\/p>\n","protected":false},"author":1,"featured_media":3586,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[13],"tags":[],"class_list":["post-18827","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-moldova"],"_links":{"self":[{"href":"https:\/\/new.bancamea.md\/index.php?rest_route=\/wp\/v2\/posts\/18827","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/new.bancamea.md\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/new.bancamea.md\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/new.bancamea.md\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/new.bancamea.md\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=18827"}],"version-history":[{"count":1,"href":"https:\/\/new.bancamea.md\/index.php?rest_route=\/wp\/v2\/posts\/18827\/revisions"}],"predecessor-version":[{"id":18828,"href":"https:\/\/new.bancamea.md\/index.php?rest_route=\/wp\/v2\/posts\/18827\/revisions\/18828"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/new.bancamea.md\/index.php?rest_route=\/wp\/v2\/media\/3586"}],"wp:attachment":[{"href":"https:\/\/new.bancamea.md\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=18827"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/new.bancamea.md\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=18827"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/new.bancamea.md\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=18827"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}