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

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

There were no substantial changes to the individual factors affecting credit standards and loan conditions were virtually unchanged (Charts 5-8).. Nor do banks expect any

Banks reported falling lending markets on household loans in both 2011 Q2 and 2011 Q3, while the expectation in the previous bank lending survey was for slightly higher

Banks continued to tighten credit standards for corporate loans in 2008 Q2. Tightening of lending standards for the commercial real estate sector was considerable compared with

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

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

net balances for lending margins, collateral requirements, equity capital requirements and fees denote tighter credit standards. Negative net balances for maximum loan maturity