German banks tightened their credit standards for loans to enterprises for the third consecutive period, while guidelines for loans to households for house purchase remained unchanged.

According to the latest Bank Lending Survey (BLS) in Germany, German banks have tightened their credit standards for loans to enterprises once again. For loans to households for house purchase, by contrast, institutions have eased their credit standards somewhat.

In the opening quarter of 2019, German banks tightened their credit standards marginally overall for loans to enterprises and slightly for loans to households for house purchase.

German banks made hardly any changes to their lending policies in the final quarter of 2018. Credit standards remained virtually constant in all three loan categories. At the same time, banks’ overall credit terms and conditions for loans to enterprises and for loans to households for house purchase were eased slightly.

German banks have once again slightly eased their credit standards for loans to enterprises and loans to households for house purchase. These are, in a nutshell, the results of the Bank Lending Survey (BLS) in Germany, which the Bundesbank conducts four times a year.

The banks repeatedly eased their credit standards and terms and conditions in all three surveyed loan categories. They again adapted credit terms and conditions mainly by narrowing margins irrespective of borrowers’ creditworthiness, albeit to a smaller extent than in the preceding quarter. Demand for loans to enterprises and loans to households for house purchase picked up considerably, with demand for consumer credit and other lending in fact rising sharply.

In the first quarter of 2018, German credit institutions eased their credit standards in all three loan categories. This is revealed by the latest Bank Lending Survey (BLS) conducted among banks domiciled in Germany.

German banks adjusted their lending policies in the fourth quarter of 2017, chiefly with regard to credit terms and conditions, according to the Eurosystem’s latest Bank Lending Survey (BLS) among banks domiciled in Germany.

German credit institutions eased their credit standards in the third quarter 2017, according to the latest Bank Lending Survey conducted among banks domiciled in Germany.