Loans to households - loans for house purchase

The sector "Households" consists of individuals or groups of individuals as consumers, and producers of goods and non-financial services exclusively for their own final consumption, and as producers of market goods and non-financial services provided that their activities are not those of quasi-corporations.

II.1.a Supply side

Evolution

  • Graph II.1.a.1 contains the major results of the Bank Lending Survey regarding the change in the criteria applied by the credit institution when approving the loans for house purchase to households.

Contributing factors

  • Graph II.1.a.2 contains the results of the Bank Lending Survey regarding the influence of cost of funds and balance sheet constraints on the change in the criteria applied by the credit institution when approving the loans for house purchase to households.
  • Graph II.1.a.3 contains the results of the Bank Lending Survey regarding the influence of pressure of competition on the change in the criteria applied by the credit institution when approving the loans for house purchase to households.
  • Graph II.1.a.4 contains the results of the Bank Lending Survey regarding the influence of perception of risk on the change in the criteria applied by the credit institution when approving the loans for house purchase to households.
  • Graph II.1.a.5 contains the results of the Bank Lending Survey regarding price terms and conditions applied by the credit institution when approving the loans for house purchase to households.
  • Graph II.1.a.6 contains the results of the Bank Lending Survey regarding other terms and conditions applied by the credit institution when approving the loans for house purchase to households.

II.1.b Demand side

Evolution

  • Graph II.1.b.1 contains the major results of the Bank Lending Survey regarding the change in the demand for loans for house purchase to households.

Contributing factors

  • Graph II.1.b.2 contains the results of the Bank Lending Survey regarding the influence of financing needs on the change in the demand for loans for house purchase to households.
  • Graph II.1.b.3 contains the results of the Bank Lending Survey regarding the influence of the use of alternative finance on the change in the demand for loans for house purchase to households.