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October results of the Bank Lending Survey (BLS) in Germany Credit standards for firms not tightened further
For the first time in nearly three years, the German banks responding to the Bank Lending Survey (BLS) did not tighten their credit standards for loans to enterprises further in the third quarter of 2024, but eased them marginally instead. On the other hand, they once again tightened their credit standards for loans to households for house purchase and for consumer credit and other lending to households For the fourth quarter, banks are planning to tighten their credit standards for loans to enterprises again, partly owing to pessimistic market and economic expectations.
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July results of the Bank Lending Survey in Germany Increased demand for loans to enterprises
The German banks responding to the Bank Lending Survey (BLS) barely tightened their credit standards for loans to enterprises any further in the second quarter of 2024. They slightly tightened their credit standards for loans to households for house purchase and for consumer credit and other lending to households. Overall, the adjustments were somewhat less than had been planned in the previous quarter.
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April results of the Bank Lending Survey in Germany Revival of demand for loans for house purchase
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Umfrage zum Kreditgeschäft in Deutschland – Kreditvergabepolitik 2023 weiter verschärft
08.02.2024 No English translation available
Die Bundesbank führt vierteljährlich die Umfrage zum Kreditgeschäft der Banken (Bank Lending Survey, BLS) durch. In den Ergebnissen für 2023 wird deutlich, dass die geldpolitische Straffung ihre intendierte Wirkung entfaltete, was sich in strengeren Kreditrichtlinien und rückläufiger Kreditnachfrage äußerte. Außerdem beeinflussen klimabedingte Risiken zunehmend die Kreditangebotspolitik der Banken.
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January results of the Bank Lending Survey in Germany Banks barely tightened credit standards further
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October results of the Bank Lending Survey (BLS) in Germany Banks tighten credit standards
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July results of the Bank Lending Survey in Germany Banks tighten credit standards
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April results of the Bank Lending Survey in Germany Banks tighten credit standards
The Bundesbank’s Bank Lending Survey has found that for the third successive time, there was a strong decline in demand for loans to households for house purchase. BLS respondents in the first quarter of 2023 said this was mainly due to increased interest rates, sentiment in the housing market and reduced consumer confidence.
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January results of the Bank Lending Survey in Germany
The German banks tightened their credit standards for loans to enterprises, loans to households for house purchase as well as consumer credit and other lending in the fourth quarter of 2022. Credit terms and conditions were also made more restrictive in all three loan categories.
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October results of the Bank Lending Survey in Germany
German banks adopted stricter credit standards for loans to enterprises in the third quarter of 2022. For the second time in a row, credit standards for loans to households for house purchase have been made more restrictive than at any point in time since the introduction of the BLS. Credit standards for consumer credit and other lending were also made considerably more restrictive.