INTRODUCTION

To better predict future cash banks and there should see more detail about their past, and this requires a new, thought to perceapǎ truth about our world. "The thinking is new for a new world in our understanding, under which runs LOGO society movement as a whole and its main structure, its submission on the staircase historic progress."

Reconsideration of antiquity, the money was used to buy or sell products, becoming the most widely used means of flat, long, consisting of gold or other precious materials. "Aristotle once considered for the first unit of mǎsurǎ money value." Sometimes, traders just figured exchange goods without using monetarǎ mǎsură unit, but these shifts yield was much lower than that used in the precious metal coin. "Today, money used to plǎţi numǎr are the land of great and very different. Money was and continuǎ life be many ways known in particular under the name of money metal, paper money, electronic money, money in your account, scriptural money, credit money, valutǎ, money with intrinsic value, money materials and other forms of money used in economics.

In the Middle Ages, zarafii were separated as a category socialǎ which dealt with trade in currency and coin localǎ foreigners. Bank in the modern sense is a product of both the organized and legalized cămǎtarilor has dezvoltǎri broker dealers antiques and survivors of the Middle Ages, but a result of circulation of a different kind of money at the side of precious metal or of intrinsecǎ currency value by creating cash changeover.

The first bank appeared in Venice in 1171 because of Doge Michele XI named Banco di Venice, in order to receive city funds. The emergence of banks in the normal sense and constructive social and cultural one can speak of the first modern banks as Bank of Amsterdam in 1608, Bank of Hamburg in 1619, the Bank of Stockholm in 1650 and the Bank of England in 1694 and left some of them until you today, interest charged on loans and fees applied to accounts and deposits represent sources of income and ultimately the profitability of these banks. Subsequently developed and better organized than other banks to reach today's complex and competitive banking system in all respects.

Commercial banks have an important role in the exploitation of capital, mobilizing resources and bank loans between agencies. Equity holders and creditors their beneficiaries carry trade debtors money. Bank deposits called dobândǎ cost of supporting a bonus and then granting credit in obtaining money accumulated earnings through interest and fees collected, the most important activity is actually lending activity. Banks only accept relationships with customers and qualifying their customers împrumutǎ exercitânduşi fair exchange functions, storage, transfer and financing.

Commercial banks is a basic link of any banking system and carry out all types of banking transactions. However, basic operations are represented by making deposits and using them to issue credit traders. They are organized as limited companies and seeks profit by exercising its role as intermediary agents of non-banking system.

Concentration banking sector has become a current phenomenon, while in Romania is in the process of enlargement. The banking system is complex due to technical knowledge and information, due to financial instrumentation in the money market, capital and valutarǎ but modern security systems and credit and the use of "monedǎ elecronicǎ" using cards and internet banking which is a altǎ complexitǎţi dovadǎ the banking system. As regulated banking system is the quality of commercial bǎncilor National Bank direct subordinates principal responsibility and stability in the Romanian banking system. An important role in maintaining financial balance of national economy and it's activities in lending is the principle of budgetary balance that may influence the central bank policy and lending those affected. A modern banking system refers to the fact that it takes more advantageous contractual conditions and creating a framework for recovery of loans granted in terms of transparency and free competition.

Organization and operation of commercial banks is regulated in Romania of legally Law (No. 31/1990) on the company and the Emergency Ordinance (No. 99/2006) on the community's credit and capital adequacy. Also Law (No. 58/1998) for banking, subsequently amended several times by law (no. 437/2001), Law (no. 485/2003) and Law (no. 131/2006) which then was subsequently repealed by Ordinance (No. 99/2006) on credit institutions and capital adequacy. In turn Law (No. 227/2007) to approve Emergency Ordinance (No. 99/2006) on credit institutions and capital adequacy is used to regulate banking activities including Transylvania Bank as banking and credit institution.

This paper aims to explain how housing loan processing, is divided into six chapters, the first chapter aims to present the development and organization of Transylvania Bank, lending to its body structure and the second chapter detailing products from those related to credit BT. Chapter three considers the theoretical generalities of credit, and in chapter four it comes to credit for housing, basic subject of this paper, in chapter five proceed to an analysis of financial indicators against which one can evaluate a company or a natural person and the last chapter deals with a case study on a loan specific person. At the end of the paper was attached appendices contain documents of private credit file of Banca Transilvania. From the theoretical work contains the most important elements of credit that should know each pawn involved in any housing loan or credit or debit or any other governor of any credit.