Unchanged remained the criteria for administration loan to businesses and households in the first trimester, according to her survey Bank of Greece (TG).
The BoG specifically states that the criteria for lending to non -financial companies (MSE) remained unchanged, while the total terms of business loans became more relaxed in the first quarter of 2025, however, the overall demand for business loans.
The criteria for lending to households remained almost unchanged in terms of mortgages and unchanged consumer loans, for the first quarter of 2025. The total terms of loans became stricter for housing loans, while they remained unchanged for the housing loans. Demand for consumer loans remained almost unchanged.
Loans to non -financial companies
In the first quarter of 2025, the criteria for lending to non -financial companies (MSE) remained unchanged compared to the fourth quarter of 2024, a development in line with the expectations formulated in the previous trimester survey. In addition, banks estimate that the criteria will remain unchanged during the second quarter of 2025.
The total terms of loan to the MSE became more relaxed than in the fourth quarter of 2024, as improving banks ‘liquidity, competition pressures and borrowers have helped to reduce the banks’ margins mainly for the usual loans.
In the first quarter of 2025, the total loan demand from the MSE remained almost unchanged. For the second quarter of 2025, banks estimate that overall demand from the MSE will also remain almost unchanged, although the demand for loan from large businesses is expected to increase.
In the first quarter of 2025, the proportion of business loan applications rejected remained unchanged compared to the previous quarter.
Loans to households
In the first quarter of 2025, the criteria for lending to households remained almost unchanged in terms of mortgage mortgages and unchanged consumer loans compared to the fourth quarter of 2024.
The total terms of mortgage lending were becoming stricter due to increases in loan charges out of interest, while the terms of consumer and other loans remained unchanged for the first quarter of 2025. The criteria for housing and consumer lending.
Demand for mortgage loans has increased due to the start of the state -of -the -art “HOUSE II” program with the aim of supporting new borrowers with more favorable terms and final pricing to them, while demand for consumer loans remained almost unchanged for the first quarter of 205. unchanged.