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This article analyzes the fluctuation of loans to households in Romania, during 2013-2014, according to the changing lending standards and net demand volume, using two major currencies as reference - Ron and Euro. Anova Two - Factor with Replication is the ideal model to highlight significant differences occurred between the amount of loans, both currencies (EUR and USD) and the period in which they were granted to population. The results of this analysis showed that there is a strong link between the amount of credit, the currency and the period in which the various types of loans were granted to population, due to changes in credit standards, the volume of net demand and credit terms. [ABSTRACT FROM AUTHOR]