Competitie acerba - creditul ipotecar este oferit de alte 6 banci similare (concurenti directi). In total in sistemul bancar 17 banci ofera credite ipotecare si 2 societati de credit. Valoarea creditelor ipotecare acordate in Romania/PIB se situeaza sub 3%, in comparatie cu piata europeana unde procentul este de 35%.
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