EFECTELE CRIZEI FINANCIARE ASUPRA CREDITĂRII IPOTECARE ÎN REPUBLICA MOLDOVA

Angela BÎNZARI Academia de Studii Economice a Moldovei

Аннотация

The first lines of this article concern the origin of the financial crisis and its impact on mortgage lending in the world, then follows the evolution of the economic crisis in our country and its effects on the banking system. It is made a dynamic analysis of the housing market in Republic of Moldova for the years 2007-2009: the evolution of property prices, the demand and offers, based on data provided by the stock exchange of the real estate „Lara”. National Bank measures are described and the conditions for granting mortgage loans by commercial banks. At the end are drawn conclusions about the reality of mortgage in Republic of Moldova.