{"id":28383,"date":"2013-08-21T00:00:00","date_gmt":"2013-08-20T21:00:00","guid":{"rendered":"https:\/\/new.bancamea.md\/?p=28383"},"modified":"2026-08-31T21:53:23","modified_gmt":"2026-08-31T18:53:23","slug":"rata-medie-a-dobnzii-la-credite-iulie-2013-de-consum-1342-imobiliare-1039-2","status":"publish","type":"post","link":"https:\/\/new.bancamea.md\/?p=28383","title":{"rendered":"Rata medie a dob\u00e2nzii la credite (iulie 2013): de consum &#8211; 13,42%, imobiliare &#8211; 10,39%"},"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%20iulie%202013.pdf\" target=\"_blank\">statistica pentru luna iulie<\/a> a anului curent privind volumul creditelor acordate si ratele medii de dob\u00e2nda.<\/p>\n<p>Astfel, \u00een luna iulie persoanele fizice au beneficiat de credite (\u00een lei) \u00een valoare de 398,6 mln lei, cu 36 mln mai mult dec\u00e2t \u00een luna iunie (2013). \u00cen aceeasi perioada a anului precedent (iulie 2012) suma creditelor acordate persoanelor fizice a constituit 347 mln lei.<\/p>\n<p><strong>Rata medie a dob\u00e2nzii la creditele (\u00een lei) acordate populatiei<\/strong> a \u00eenregistrat o valoare de <strong>13,59%<\/strong>, fiind practic neschimbata fata de luna precedenta (vezi graficul).<\/p>\n<p>52% din volumul creditelor acordate \u00een iulie persoanelor fizice, reprezinta <strong>creditele de consum<\/strong>, care au totalizat \u2013\u00a0 209,3 mln lei. Rata medie a dob\u00e2nzii la creditele de consum a constituit <strong>13,42%<\/strong>, cu 0,03 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 72,8 mln lei. Rata medie a dob\u00e2nzii la creditele imobiliare a urcat p\u00e2na la <strong>10,39%<\/strong> (vezi graficul).<\/p>\n<p>Totodata populatia s-a \u00eemprumutat si \u00een valuta. Creditele acordate \u00een valuta (recalculate \u00een lei) au \u00eensumat 30,2 mln lei. Rata medie a dob\u00e2nzii \u2013 7,44%.<\/p>\n<p>Va prezentam mai jos evolutia ratei dob\u00e2nzii \u00een primele 7 luni ale anului (2012 vs 2013) la creditele acordate populatiei (per total) si cele imobiliare.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" src=\"\/app\/webroot\/uploaded\/rata%20medie%20credite%20iulie%202012%202013.jpg\" alt=\"\" width=\"680\" height=\"500\" \/><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/new.bancamea.md\/wp-content\/uploads\/2026\/08\/rata-medie-credite-pentru-imobil-2012-2013-iulie.jpg\" alt=\"\" width=\"680\" height=\"500\" \/><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Banca Nationala a Moldovei a publicat statistica pentru luna iulie a anului curent privind volumul creditelor acordate si ratele medii de dob\u00e2nda. Astfel, \u00een luna iulie persoanele fizice au beneficiat de credite (\u00een lei) \u00een valoare de 398,6 mln lei, cu 36 mln mai mult dec\u00e2t&#8230;<\/p>\n","protected":false},"author":1,"featured_media":4536,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[13],"tags":[],"class_list":["post-28383","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\/28383","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=28383"}],"version-history":[{"count":1,"href":"https:\/\/new.bancamea.md\/index.php?rest_route=\/wp\/v2\/posts\/28383\/revisions"}],"predecessor-version":[{"id":28384,"href":"https:\/\/new.bancamea.md\/index.php?rest_route=\/wp\/v2\/posts\/28383\/revisions\/28384"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/new.bancamea.md\/index.php?rest_route=\/wp\/v2\/media\/4536"}],"wp:attachment":[{"href":"https:\/\/new.bancamea.md\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=28383"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/new.bancamea.md\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=28383"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/new.bancamea.md\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=28383"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}