indexwatch saptamanal, nr.202, 27 ianuarie 2014
â—?
Dan Rusu, CMT - Head of Research
tel +40(264) 43 05 64; int 225
email dan.rusu@btsecurities.ro
focus
Romania are cea mai mica piata ipotecara din Uniunea Europeana Creditul ipotecar (raportat la numarul de locuitori adulti si PIB) in statele membre UE, in 2012 creditul ipotecar rezidential per capita (EUR), creditul ipotecar rezidential ca pondere in PIB (%) 69,000 66,000
115% 108.4%
110%
63,000 60,000 57,000
105%
ponderea in PIB a creditului ipotecar rezidential [rhs]
100.8%
55,398
100% 95%
creditul ipotecar rezidential per capita (>18 ani) - EUR [lhs]
54,000
90%
51,425
51,000
85% 81.0% 80.7%
48,460
48,000
80%
77.5%
45,000
75%
43,686
70.9%
42,000
70%
66.9%
39,000
65% 61.1%
36,412
36,000
60%
33,000
55%
52.0%
30,716
48.9% 48.8%
30,000
46.9%
50% 45.7%
27,000
44.8% 44.4%
45%
43.0% 38.5%
24,000 21,000
40% 34.4%
20,497
35%
19,707 18,222
18,000
16,745
17,065 16,240
16,939
30%
27.7%
16,189
24.2%
15,000 12,612
25%
23.3% 20.7% 20.3%
12,261
12,000
19.2%
9,000
20%
17.9% 17.6% 14.8% 14.3%
8,996 7,901
15%
7,147 5,288
6,000
Š BT SECURITIES
6.6% 3,144
2,411
3,000
2,497
3,082
3,055
2,371
2,483
1,126
10% 5%
494
Cehia
Romania
Bulgaria
Slovenia
Lituania
Slovacia
Polonia
Ungaria
Italia
Letonia
Austria
Estonia
Grecia
Franta
Finlanda
Malta
Germania
Belgia
zona euro
UE27
Luxemburg
Spania
Portugalia
Cipru
Irlanda
UK
Suedia
Olanda
0%
Danemarca
0
sursa: European Mortgage Federation
1