Abstract:
This paper examines bank crediting in the real estate domain with emphasis on the Republic of Moldova and a comparative benchmark against worldwide household-debt dynamics. It outlines the main forms of real-estate loans, analyses the official evolution of housing-related credit based on National Bank of Moldova evidence, and situates that trajectory within broader global leverage trends. The results show that Moldovan real-estate credit expanded strongly after 2018 and especially in 2024–2025, while the worldwide benchmark remained comparatively stable over the long run. This suggests a catch-up process of domestic financial deepening rather than a simple replication of global credit expansion. Sustainable development of this segment therefore depends on prudent credit policy, portfolio-quality control, borrower affordability assessment, and better integration of digital and sustainability-oriented banking products. CZU: 336.77:332.2(478); JEL: G21, R31, E44
Description:
TOCARCIUC, Chiril. Bank Crediting in the Real Estate Domain = Creditarea bancară în domeniul imobiliar. Online. Coord. șt.: Larisa MISTREAN. In: Simpozionul Ştiinţific cu participare internaţională al Tinerilor Cercetători. Ediţia a 24-a, 24-25 aprilie 2026, Chişinău. Lucrări ştiinţifice. Chişinău: SEP ASEM, 2026, vol. 3, pp. 102-105. ISBN 978-9975-182-45-4 (PDF). Disponibil: https://doi.org/10.53486/sstc2026.v3.21
