{"id":28222,"date":"2013-05-21T00:00:00","date_gmt":"2013-05-20T21:00:00","guid":{"rendered":"https:\/\/new.bancamea.md\/?p=28222"},"modified":"2026-08-31T21:51:52","modified_gmt":"2026-08-31T18:51:52","slug":"creditarea-i-a-luat-elan-in-aprilie-404-mln-lei-acordate-persoanelor-fizice-rata-medie-1416-2","status":"publish","type":"post","link":"https:\/\/new.bancamea.md\/?p=28222","title":{"rendered":"Creditarea si-a luat elan \u00een aprilie: 404 mln lei acordate persoanelor fizice, rata medie &#8211; 14,16%"},"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%20aprilie%202013.pdf\" target=\"_blank\">statistica pentru luna aprilie<\/a> a anului curent privind volumul creditelor acordate si ratele medii de dob\u00e2nda.<\/p>\n<p>Astfel, \u00een luna aprilie persoanele fizice au luat credite (\u00een lei) \u00een valoare de 404,3 mln lei, aproximativ cu 63 mln mai mult dec\u00e2t \u00een luna martie (2013). \u00cen aceeasi perioada a anului precedent (aprilie 2012) suma creditelor acordate pers. fizice a constituit 256 mln lei.<\/p>\n<p><strong>Rata medie a dob\u00e2nzii la creditele (\u00een lei) acordate persoanelor fizice a \u00eenregistrat o valoare de 14,16%, cu 0,13 p.p. mai putin dec\u00e2t \u00een martie (vezi graficul).<\/strong><\/p>\n<p>49% din volumul creditelor acordate \u00een aprilie persoanelor fizice, reprezinta <strong>creditele de consum<\/strong>, care au totalizat \u2013\u00a0 198,7 mln lei. Rata medie a dob\u00e2nzii la creditele de consum a constituit 13,67%, cu 0,21 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 64,3 mln lei. Rata medie a dob\u00e2nzii la creditele imobiliare a ramas neschimbata &#8211; 10,48%.<\/p>\n<p>Totodata populatia s-a \u00eemprumutat si \u00een valuta straina. Creditele acordate \u00een valuta straina (recalculate \u00een lei) au \u00eensumat 22,9 mln lei. Rata medie a dob\u00e2nzii \u2013 7,89%.<\/p>\n<p>Va prezentam mai jos evolutia ratei dob\u00e2nzii \u00een primele 4 luni ale anului (2012 vs 2013) la creditele acordate persoanelor fizice (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-credite-2012-vs-2013.jpg\" alt=\"\" width=\"680\" height=\"500\" \/><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" src=\"\/app\/webroot\/uploaded\/rata%20medie%20credite%20pentru%20imobil%202012%20vs%202013.jpg\" alt=\"\" width=\"680\" height=\"500\" \/><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" src=\"\/app\/webroot\/uploaded\/rata%20medie%20credite%20de%20consum%202012%20vs%202013.jpg\" alt=\"\" width=\"680\" height=\"500\" \/><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Banca Nationala a Moldovei a publicat statistica pentru luna aprilie a anului curent privind volumul creditelor acordate si ratele medii de dob\u00e2nda. Astfel, \u00een luna aprilie persoanele fizice au luat credite (\u00een lei) \u00een valoare de 404,3 mln lei, aproximativ cu 63 mln mai mult dec\u00e2t \u00een luna martie (2013) &#8230;<\/p>\n","protected":false},"author":1,"featured_media":4127,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[13],"tags":[],"class_list":["post-28222","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\/28222","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=28222"}],"version-history":[{"count":1,"href":"https:\/\/new.bancamea.md\/index.php?rest_route=\/wp\/v2\/posts\/28222\/revisions"}],"predecessor-version":[{"id":28223,"href":"https:\/\/new.bancamea.md\/index.php?rest_route=\/wp\/v2\/posts\/28222\/revisions\/28223"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/new.bancamea.md\/index.php?rest_route=\/wp\/v2\/media\/4127"}],"wp:attachment":[{"href":"https:\/\/new.bancamea.md\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=28222"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/new.bancamea.md\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=28222"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/new.bancamea.md\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=28222"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}