{"id":19245,"date":"2013-06-24T00:00:00","date_gmt":"2013-06-24T00:00:00","guid":{"rendered":"https:\/\/new.bancamea.md\/?p=19245"},"modified":"2026-08-31T17:52:35","modified_gmt":"2026-08-31T17:52:35","slug":"creditele-acordate-populaiei-s-au-ieftinit-cu-049-pp-in-luna-mai","status":"publish","type":"post","link":"https:\/\/new.bancamea.md\/?p=19245","title":{"rendered":"Creditele acordate populatiei s-au ieftinit cu 0,49 p.p. \u00een luna mai"},"content":{"rendered":"\n<p>Banca Nationala a Moldovei a publicat <a href=\"\/app\/webroot\/uploaded\/bnm%20credite%20mai%202013.pdf\" target=\"_blank\">statistica pentru luna mai<\/a> a anului curent privind volumul creditelor acordate si ratele medii de dob\u00e2nda.<\/p>\n<p>Astfel, \u00een luna mai persoanele fizice au luat credite (\u00een lei) \u00een valoare de 366,3 mln lei, cu 38 mln mai putin dec\u00e2t \u00een luna aprilie (2013). \u00cen aceeasi perioada a anului precedent (mai 2012) suma creditelor acordate persoanelor fizice a constituit 319,2 mln lei.<\/p>\n<p><strong>Rata medie a dob\u00e2nzii la creditele (\u00een lei) acordate populatiei a \u00eenregistrat o valoare de 13,67%, cu 0,49 p.p. mai putin dec\u00e2t \u00een aprilie<\/strong> (vezi graficul).<\/p>\n<p>52% din volumul creditelor acordate \u00een mai persoanelor fizice, reprezinta <strong>creditele de consum<\/strong>, care au totalizat \u2013\u00a0 190,6 mln lei. Rata medie a dob\u00e2nzii la creditele de consum a constituit 13,43%, cu 0,24 p.p. mai mica dec\u00e2t \u00een luna precedenta.<\/p>\n<p>De asemenea, populatia a beneficiat de <strong>credite imobiliare<\/strong>, per total s-au acordat 48,6 mln lei. Rata medie a dob\u00e2nzii la creditele imobiliare a urcat p\u00e2na la 10,66%.<\/p>\n<p>Totodata populatia s-a \u00eemprumutat si \u00een valuta straina. Creditele acordate \u00een valuta straina (recalculate \u00een lei) au \u00eensumat 15 mln lei. Rata medie a dob\u00e2nzii \u2013 7,92%.<\/p>\n<p>Va prezentam mai jos evolutia ratei dob\u00e2nzii \u00een primele 5 luni ale anului (2012 vs 2013) la creditele acordate populatiei (per total), creditele de consum si cele imobiliare.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/new.bancamea.md\/wp-content\/uploads\/2026\/08\/rata-medie-a-dobanzii-credite-persoane-fizice-5-luni-2012-2013.jpg\" alt=\"\" width=\"680\" height=\"500\" \/><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" src=\"\/app\/webroot\/uploaded\/rata%20medie%20a%20dobanzii%20credite%20pentru%20imobil%205%20luni%202012%202013.jpg\" alt=\"\" width=\"680\" height=\"500\" \/><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" src=\"\/app\/webroot\/uploaded\/rata%20medie%20a%20dobanzii%20credite%20de%20consum%205%20luni%202012%202013.jpg\" alt=\"\" width=\"680\" height=\"500\" \/><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Banca Nationala a Moldovei a publicat statistica pentru luna mai a anului curent privind volumul creditelor acordate si ratele medii de dob\u00e2nda.<br \/>\nAstfel, \u00een luna mai persoanele fizice au luat credite (\u00een lei) \u00een valoare de 366,3 mln lei, cu 38 mln mai putin dec\u00e2t \u00een luna &#8230;<\/p>\n","protected":false},"author":1,"featured_media":4300,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[13],"tags":[],"class_list":["post-19245","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\/19245","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=19245"}],"version-history":[{"count":1,"href":"https:\/\/new.bancamea.md\/index.php?rest_route=\/wp\/v2\/posts\/19245\/revisions"}],"predecessor-version":[{"id":19246,"href":"https:\/\/new.bancamea.md\/index.php?rest_route=\/wp\/v2\/posts\/19245\/revisions\/19246"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/new.bancamea.md\/index.php?rest_route=\/wp\/v2\/media\/4300"}],"wp:attachment":[{"href":"https:\/\/new.bancamea.md\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=19245"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/new.bancamea.md\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=19245"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/new.bancamea.md\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=19245"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}