European Central Bank (ECB) Households Loans y/y

Country:
European Union
EUR, Euro
Sector:
Money
Low 3.8% 3.8%
3.7%
Last release Importance Actual Forecast
Previous
3.9%
3.8%
Next release Actual Forecast
Previous
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ECB Households loans y/y reflects changes in quantities of loans to European households for the reporting period, compared to the same period a year ago. The indicator is published by the European Central Bank twice a year. Each covers loans for the previous two quarters.

Household loans include loans for house purchases and consumer credit. In addition, this also includes lending to private entrepreneurs, which are not reflected in Non-Financial Corporations loans. The EU Households Loan index is compiled based on data collected separately by country. The underlying data include current outstanding loans, to which no harmonization across European countries is applied.

The indicator is calculated based on the data reported by euro area monetary financial institutions to the ECB and the Bank Lending Survey conducted by the ECB since 2003. It offers an otherwise incomprehensible insight into the supply and demand of bank loans from companies and households. In addition to the actual volume of lending, the survey covers credit terms, standards for approving loans and the share of rejections. The obtained data is used in various decision-making processes on monetary policy measures, especially in times of financial crises.

Loans data serves as an important indicator of household sustainability on the one hand and reflect monetary policies on the other hand. An increase in this value or a value above expectations may stimulate the economy and the EUR. Accordingly, lower than expected values are seen as negative for the European currency.

Last values:

actual data

forecast

The chart of the entire available history of the "European Central Bank (ECB) Households Loans y/y" macroeconomic indicator. The dashed line shows the forecast values ​​of the economic indicator for the specified dates.

A significant deviation of a real value from a forecast one may cause a short-term strengthening or weakening of a national currency in the Forex market. The threshold values ​​of the indicators signaling the approach of the critical state of the national (local) economy occupy a special place.

Date (GMT)
Reference
Actual
Forecast
Previous
Feb 2020
3.8%
3.8%
3.7%
Jan 2020
3.7%
3.7%
3.6%
Dec 2019
3.7%
3.6%
3.5%
Nov 2019
3.5%
3.5%
3.5%
Oct 2019
3.5%
3.5%
3.4%
Sep 2019
3.4%
3.5%
3.4%
Aug 2019
3.4%
3.4%
3.4%
Jul 2019
3.4%
3.4%
3.3%
Jun 2019
3.3%
3.4%
3.3%
May 2019
3.3%
3.4%
3.3%
Apr 2019
3.4%
3.3%
3.3%
Mar 2019
3.2%
3.3%
3.3%
Feb 2019
3.3%
3.3%
3.2%
Jan 2019
3.2%
3.4%
3.2%
Dec 2018
3.3%
3.3%
3.3%
Nov 2018
3.3%
3.2%
3.2%
Oct 2018
3.2%
3.2%
3.2%
Sep 2018
3.1%
3.1%
Aug 2018
3.1%
3.0%
Jul 2018
3.0%
2.9%
Jun 2018
2.9%
2.9%
May 2018
2.9%
2.9%
Apr 2018
2.9%
3.0%
Mar 2018
3.0%
2.9%
Feb 2018
2.9%
2.9%
Jan 2018
2.9%
2.8%
Dec 2017
2.8%
2.8%
Nov 2017
2.8%
2.7%
Oct 2017
2.7%
2.5%
Sep 2017
2.5%
2.5%
Aug 2017
2.5%
2.4%
Jul 2017
2.4%
2.1%
Jun 2017
2.1%
2.4%
May 2017
2.4%
2.4%
Apr 2017
2.4%
2.4%
Mar 2017
2.4%
2.3%
Feb 2017
2.3%
2.2%
Jan 2017
2.2%
2.0%
Dec 2016
2.0%
1.9%
Nov 2016
1.9%
1.8%
Oct 2016
1.8%
1.8%
Sep 2016
1.8%
1.8%
Aug 2016
1.8%
1.8%
Jul 2016
1.8%
1.7%
Jun 2016
1.7%
1.6%
May 2016
1.6%
1.5%
Apr 2016
1.5%
1.6%
Mar 2016
1.6%
1.6%
Feb 2016
1.6%
1.4%
Jan 2016
1.4%
1.4%

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