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Norges Bank’s Survey of Bank Lending

Norges Bank’s Survey of Bank Lending. 2013 Q3. Residential mortgages. Chart 1 Household credit demand. Net percentage balances. 1), 2). Total. Home equity lines of credit. First-home mortgages.

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Norges Bank’s Survey of Bank Lending

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  1. Norges Bank’s Survey of Bank Lending 2013 Q3

  2. Residential mortgages Chart 1 Household credit demand. Net percentage balances.1), 2) Total Home equity lines of credit First-home mortgages 1) Net percentage balances are calculated by weighting together the responses in the survey. The blue bars show reported developments for the relevant quarter. The red diamonds show expected developments for that quarter 2) Negative net percentage balances denote falling demand Source: Norges Bank

  3. Chart 2 Change in credit standards for households. Factors affecting credit standards. Net percentage balances1) Credit standards 2) First-home mortgages Factors affecting credit standards Capital adequacy Market share objectives 1) See footnote 1 in Chart 1 2) Negative net percentage balances denote tighter credit standards Source: Norges Bank

  4. Chart 3Change in loan conditions for households. Net percentage balances1), 2) Lending margins Maximum loan-to-value ratio Maximum loan-to-income ratio Fees Use of interest-only periods 1) See footnote 1 in Chart 1 2) Positive net percentage balances for lending margins denote higher lending margins. Positive net percentage balances for lending margins and fees denote tighter credit standards. Negative net percentage balances for maximum LTI ratio, maximum LTV ratio and use of interest-only periods denote tighter credit standards Source: NorgesBank

  5. Chart 4Credit demand among non-financial enterprises and credit line utilisation rate. Net percentage balances1), 2) Credit demand among non-financial enterprises Credit line utilisation rate 1) See footnote 1 in Chart 1 2) Positive net percentage balances denote increased demand or increased credit line utilisation rate Source: Norges Bank

  6. Chart 5 Change in credit standards for non-financial enterprises. Net percentage balances1), 2) Total Commercial real estate 1) See footnote 1 in Chart 1 2) Negative net percentage balances denote tighter credit standards Source: Norges Bank

  7. Chart 6 Factors affecting credit standards for non-financial enterprises. Net percentage balances1), 2) Economic outlook Sector- specific outlook Market share objectives Banks’ risk appetite 1) See footnote 1 in Chart 1 2) Negative net percentage balances denote tighter credit standards Source: Norges Bank

  8. Chart 7Change in loan conditions for non-financial enterprises. Net percentage balances1), 2) Lending margins Equity capital requirements Maximum loan maturity Fees 1) See footnote 1 in Chart 1 2) Positive net percentage balances for lending margins denote higher lending margins. Positive net percentage balances for lending margins, equity capital requirements and fees denote tighter credit standards. Negative net percentage balances for maximum loan maturity denote tighter credit standards Source: Norges Bank

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