Outstanding Housing Loans Hit 10-Year High
- Figures released at the end of February 2025 indicate a continued upward trend in real estate and consumer credit.
- real estate credit portfolios increased by 698 million euros compared to January, marking a 4.8% rise from February of the previous year.
- The number of individuals with mortgages reached 1.958 million as of Feb.
Real Estate Credit in February Shows Continued Growth
Table of Contents
Figures released at the end of February 2025 indicate a continued upward trend in real estate and consumer credit.
Real Estate credit Surges
real estate credit portfolios increased by 698 million euros compared to January, marking a 4.8% rise from February of the previous year. This represents the 14th consecutive month of accelerating growth.
The number of individuals with mortgages reached 1.958 million as of Feb. 28, 2025, an increase of 1,800 from January. This is the first increase in this indicator since June 2022.
Consumer Credit Also on the Rise
Overall credit to individuals saw a 5.2% increase compared to February 2024, reaching 134.03 billion euros. This reflects an 830 million euro increase from January.
Consumer credit and credit for other uses rose by 6.8% year-over-year, totaling 30.401 billion euros, with a 132 million euro increase compared to the previous month.
Personal credit totaled 12.669 billion euros at the end of the month, up 79 million euros from January and 7.2% from the previous year. Car credit saw a monthly increase of 45 million euros, reaching 8.466 billion euros.
Credit card loans remained near 3.2 billion euros, but the annual variation rate accelerated from 7.9% in January to 8.1% in February.
Corporate Lending Shows Modest Gains
Loans to companies reached 72.592 billion euros at the end of February, a 132 million euro increase from January and a 1.2% annual increase.
Micro-enterprises and large companies maintained positive annual variation rates of 7.3% and 1.7%, respectively. Small and medium-sized enterprises continued to experience negative rates of -0.3% and -4.5%, respectively.
The industry and electricity sectors (-1.2%), along with trade, transport, and accommodation (-0.3%), recorded negative annual variation rates. The construction and real estate activities sector, however, saw a 5.8% annual variation rate.
Real Estate and Consumer Credit Trends: A February 2025 Overview
Introduction
The financial landscape is constantly evolving, and understanding credit trends is crucial for investors, businesses, and individuals.This article provides an analysis of real estate, consumer, and corporate credit data from February 2025, offering insights into current market dynamics.
Key Trends in February 2025
1. what is the overall trend in Real Estate Credit?
Real estate credit portfolios experienced a meaningful surge in February 2025. The data indicates a robust and growing market.
Key Findings:
Real estate credit portfolios increased by 698 million euros compared to January.
This marks a 4.8% rise from February of the previous year.
This is the 14th consecutive month of accelerating growth.
2. Is the Real estate Market expanding?
yes, the real estate market is demonstrably expanding, as evidenced by the growing number of individuals with mortgages.
Key Indicators:
The number of individuals with mortgages reached 1.958 million as of Feb. 28, 2025.
This is an increase of 1,800 from January.
This is the first increase in this indicator since June 2022.
3. What is the state of Consumer Credit in February 2025?
Consumer credit is also experiencing growth, indicating increased spending and borrowing by individuals, The data reflects healthy consumer behavior.
Key Data:
Overall credit to individuals saw a 5.2% increase compared to February 2024, reaching 134.03 billion euros.
This reflects an 830 million euro increase from January.
Consumer credit and credit for other uses rose by 6.8% year-over-year, totaling 30.401 billion euros, with a 132 million euro increase compared to the previous month.
4. How do different forms of Consumer Credit Perform?
Different segments of consumer credit showed varied performance in February 2025.
Detailed Breakdown:
Personal credit totaled 12.669 billion euros at the end of the month, up 79 million euros from January and 7.2% from the previous year.
Car credit saw a monthly increase of 45 million euros, reaching 8.466 billion euros.
Credit card loans remained near 3.2 billion euros, but the annual variation rate accelerated from 7.9% in January to 8.1% in February.
5. What is the condition of Corporate Lending?
Corporate lending exhibited more modest gains in February 2025. growth rates varied considerably across different sizes and sectors of businesses.
Key Facts:
Loans to companies reached 72.592 billion euros at the end of February.
There was a 132 million euro increase from January.
The sector experienced a 1.2% annual increase.
6. how are enterprise sizes and sectors performing?
The performance of corporate entities differed based on their size and sector.
Sectoral & Enterprise Trends:
Micro-enterprises and large companies maintained positive annual variation rates of 7.3% and 1.7%, respectively.
Small and medium-sized enterprises continued to experience negative rates of -0.3% and -4.5%, respectively.
The industry and electricity sectors (-1.2%), along with trade, transport, and accommodation (-0.3%), recorded negative annual variation rates.
* The construction and real estate activities sector, though, saw a 5.8% annual variation rate.
7. Swift Comparison of key Figures
| Category | February 2025 Data | Annual Growth (YOY) |
| :———————— | :————————————————— | :——————– |
| Real Estate Credit | +698 million euros (monthly increase) | +4.8% |
| Mortgages | 1.958 million individuals | Increased from June 2022 |
| Consumer Credit | 134.03 billion euros (Overall) | +5.2% |
| Consumer & Other Credit | 30.401 billion euros | +6.8% |
| Corporate Loans | 72.592 billion euros | +1.2% |