Norges Bank’s Survey

Banks reported that total household credit demand remained approximately unchanged in 2009 Q2 compared with 2009 Q1 (see Chart 1).. Total household credit demand thus increased less

The result has been higher lending margins (see Chart 3). Factors affecting credit standards. Positive net percentage balances for lending margins and fees denote tighter

Banks expect broadly unchanged overall credit standards for enterprises, but some tightening on loans to the commercial real estate sector ahead. Several banks commented that

Banks expect overall corporate credit demand to remain unchanged in 2012 Q3, but the utilisation rate of credit lines is expected to increase. In the previous quarter,

Looking ahead, banks expect household credit demand to remain broadly unchanged overall, but anticipate a continued fall in demand for home equity lines of credit and

Banks do not expect any changes in credit standards, loan conditions, lending rates, margins on loans or corporate credit demand in 2017 Q4.. Household credit demand is expected

Margins on loans to enterprises and corporate lending rates were reported to be slightly higher in Q4, with a further increase expected in Q1 (Charts 17 and 18). unchanged, -1/-2

In the period ahead, banks expect broadly unchanged credit standards for both households and enterprises.. Participating banks were asked to assess developments in credit