NORGES BANK’S SURVEY OF BANK LENDING

Overall credit standards for households showed little change in Q3, in line with banks’ expectations in Q2 (see Chart 2). A slight easing in credit standards was reported for

Credit standards for both households and enterprises were little changed and banks also expect credit standards to remain approximately unchanged in Q3.. Margins on household

Banks also reported somewhat higher funding costs and a slight fall in household and corporate lending margins.. Lending

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

Banks expect approximately unchanged household credit demand and somewhat higher corporate credit demand.. Lending margins on both household and corporate loans have fallen

As expected, banks reported higher margins on loans to enterprises (Chart 7). Banks expect mar- gins to continue to rise in Q3. Banks indicated no. changes in other loan

As a whole, banks expect somewhat lower margins on lending to households in Q1, while other credit conditions are expected to remain approximately unchanged..

Banks reported falling household credit demand in 2010  Q1  (see  Chart  1).  In  the  previous  quarter,  they  had  expected  broadly unchanged  demand  ahead.