Norges Bank’s Survey of Bank Lending.

There was marginal tightening of banks’ credit standards for loans to households in 2008 Q1 compared with 2007 Q4 (see Chart 2). The tightening in Q1 was somewhat less pronounced

Credit standards for households are reported to be approximately unchanged in Q3 (see Chart 2). In the survey for Q2, banks expected overall credit standards to remain

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

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

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

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

If all banks responded 'much easier to obtain credit' on all factors,the resulting figure would be 14.... 2020 Q4 −