罗马尼亚房地产的贷款政策外文翻译】.docVIP

本科毕业论文（设计） 外 文 翻 译 原文： The Lending Policy Of The Real Estate Properties In R The real estate market development in Romania depends very much by the buying capacity of the population and, in the same time, the financial facilities which this market can offer at one moment. The main problems that is confronting with this market are the following: - the financing conditions imposed by banks, as well as other institutions that offer real estate credits, that limit or make even impossible the credit access of the persons with small salaries; - the insufficient informing of the Romanian citizens regarding the investment and economizing, but also the question amount relatively high of these toward some financial institutions; - the insufficient development of the economize-investment culture of the population from Romania. For example, in 2003, between 60 -70% from the Romanian citizens didn’t had any relation with the bank system, and only 59.300 from the Romanians had assumed the active investor role on the mutual funds market. Meanwhile, there has been registered progresses in this direction, whereon a special contribution had the changes supervened in the payment modality within the bank cards of the salaries and other remuneration forms, what “forced” the population to familiarize with this payment system and, generally, to line un more with the bank system; the legislative frame, that can restrict or, contrary, can facilitate the access to real estate credit, with a direct impact on the development process of the real estate market in Romania. (Dragot?, V. and others, 2003) In the purpose of facilitating a fast access of the citizens to the mortgage credits, had started to function in Romania mortgage societies, whom want to back up the acquisition, renovation, and houses construction. The mortgage societies try to attract natural and juridical persons interested to obtain this type of credits, mainly with the fact that they present themselves as organisms that