{"id":2037613,"date":"2026-07-10T21:07:00","date_gmt":"2026-07-10T18:07:00","guid":{"rendered":"https:\/\/analyse.optim.biz\/?p=2037613"},"modified":"2026-07-10T21:07:00","modified_gmt":"2026-07-10T18:07:00","slug":"cat-de-concentrata-este-piata-creditarii-ipotecare-din-romania-in-ce-judete-se-dau-cele-mai-multe-cre","status":"publish","type":"post","link":"https:\/\/analyse.optim.biz\/?p=2037613","title":{"rendered":"C\u00e2t de concentrat\u0103 este pia\u0163a credit\u0103rii ipotecare din Rom\u00e2nia. \u00cen ce jude\u0163e se dau cele mai multe cre"},"content":{"rendered":"

[analyse_image type=”featured” src=”https:\/\/storage0.dms.mpinteractiv.ro\/media\/1\/1481\/22466\/23192294\/2\/casuta-credite.jpghttps:\/\/storage0.dms.mpinteractiv.ro\/media\/1\/1481\/22466\/23192294\/2\/casuta-credite.jpg”]<\/p>\n

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\u2666<\/span>\u00a0Concentrarea regional\u0103 a \u00eemprumuturilor ipotecare urmeaz\u0103 asimetria \u00een dezvoltarea economic\u0103 de la nivelul regiunilor\u00a0\u2666<\/span>\u00a0Jude\u0163ele dezvoltate, cu volumele cele mai ridicate de for\u0163\u0103 de munc\u0103 \u015fi cu cele mai mari salarii, conduc \u015fi topul cu cele mai mari propor\u0163ii ale soldurilor creditelor ipotecare \u015fi ale ipotecarelor noi acordate de bancheri\u00a0\u00a0\u2666<\/span>\u00a0Bucure\u015fti \u015fi Ilfov, cumulat, adun\u0103 peste 30% din totalul ipotecarelor, iar Cluj, Timi\u015foara \u015fi Ia\u015fi urmeaz\u0103 \u00een top\u00a0\u2666<\/span>\u00a0Expunerea sectorului bancar fa\u0163\u0103 de pia\u0163a imobiliar\u0103 reziden\u0163ial\u0103 se men\u0163ine important\u0103, ajung\u00e2nd la 61% din creditele popula\u0163iei, \u00een martie 2026\u00a0\u2666<\/span>\u00a0Soldul creditelor ipotecare a ajuns la circa 118 mld. lei la final de T1\/2026.<\/strong><\/em><\/p>\n

Jude\u0163ele dezvoltate, care au volumele cele mai ridicate de for\u0163\u0103 de munc\u0103 \u015fi cele mai mari salarii, conduc \u015fi topul cu cele mai mari propor\u0163ii ale creditelor ipotecare acordate de bancheri. Pia\u0163a ipotecar\u0103 este foarte concentrat\u0103, aproape 70% din stocul creditelor ipotecare \u015fi peste 60% din ipotecare noi ajung\u00e2nd \u00een 10 jude\u0163e.<\/p>\n

Astfel, \u00eemprumuturile ipotecare noi acordate \u00een Bucure\u015fti \u015fi Ilfov, cumulat, reprezint\u0103 peste 30% (31%) din totalul ipotecarelor noi, iar ad\u0103ug\u00e2nd \u015fi Cluj, Timi\u015f, Ia\u015fi \u015fi Constan\u0163a – reiese c\u0103 peste jum\u0103tate (51%) din fluxul creditelor ipotecare noi din Rom\u00e2nia sunt concentrate la rom\u00e2nii din 6 jude\u0163e dezvoltate.<\/p>\n

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Te-ar putea interesa \u0219i:<\/span><\/div>\n<\/div>\n

Extinz\u00e2nd analiza, vedem c\u0103 dac\u0103 lu\u0103m \u00een considerare \u015fi Dolj, Bra\u015fov, Prahova \u015fi Sibiu, ponderea ipotecarelor noi ajungea la 64% \u00een 10 jude\u0163e din Rom\u00e2nia la final de T1\/2026, conform datelor BNR.<\/p>\n

\u00a0<\/p>\n<\/div>\n

[analyse_source url=”https:\/\/www.zf.ro\/banci-si-asigurari\/cat-concentrata-piata-creditarii-ipotecare-romania-judete-dau-cele-23192294″]<\/p>\n","protected":false},"excerpt":{"rendered":"

[analyse_image type=”featured” src=”https:\/\/storage0.dms.mpinteractiv.ro\/media\/1\/1481\/22466\/23192294\/2\/casuta-credite.jpghttps:\/\/storage0.dms.mpinteractiv.ro\/media\/1\/1481\/22466\/23192294\/2\/casuta-credite.jpg”] \u2666\u00a0Concentrarea regional\u0103 a \u00eemprumuturilor ipotecare urmeaz\u0103 asimetria \u00een dezvoltarea economic\u0103 de la nivelul regiunilor\u00a0\u2666\u00a0Jude\u0163ele dezvoltate, cu volumele cele mai ridicate de for\u0163\u0103 de munc\u0103 \u015fi cu cele mai mari salarii, conduc \u015fi topul cu cele mai mari propor\u0163ii ale soldurilor creditelor ipotecare \u015fi ale ipotecarelor noi acordate de bancheri\u00a0\u00a0\u2666\u00a0Bucure\u015fti \u015fi Ilfov, cumulat, […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[89],"tags":[226,28],"class_list":["post-2037613","post","type-post","status-publish","format-standard","hentry","category-romania","tag-crawlmanager","tag-zf-ro"],"_links":{"self":[{"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=\/wp\/v2\/posts\/2037613","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=2037613"}],"version-history":[{"count":0,"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=\/wp\/v2\/posts\/2037613\/revisions"}],"wp:attachment":[{"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=2037613"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=2037613"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=2037613"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}