Reduced demand for mortgages In the second quarter of 2025, according to data from the Bank of Greece (BCT).
As the BoG states, although my home II program is underway, the influx of credit institutions concerned in the second quarter of 2025, continued at a decreasing pace compared to the start of the program in the first quarter of 2025, when this new program was observed. Second quarter to decrease.
On the contrary, demand for consumer loans has increased to a certain extent due to financial needs for the second quarter of 2025. During the third quarter of 2025, demand for mortgages and consumer loans is expected to remain unchanged.
The criteria for lending to households remained unchanged in terms of mortgages and consumer loans compared to the first quarter of 2025. The total terms of mortgage loans became more relaxed to a degree in the context of boosting the borrowing activity and facilitating.
The total terms of consumer and other loans have remained unchanged for the second quarter of 2025. The criteria for housing and consumer loans are expected to remain unchanged during the third quarter of 2025.
The criteria for lending to non -financial enterprises (MSE) remained unchanged compared to the first quarter of 2025, a development in line with the expectations formulated in the previous quarter survey. In addition, banks estimate that the criteria will remain unchanged during the third quarter of 2025.
The total terms of loan to the MSE became more relaxed to a degree than in the first quarter of 2025, as competition pressures have helped to reduce the bank’s margin, mainly for ordinary loans.
In the second quarter of 2025, total loan demand from the MSE, and in particular the demand for long -term loans, has increased to some extent, on the one hand, due to financial needs on the other due to the lack of alternative funding sources for the third quarter of 2025, banks estimate that