Gross lending continues to grow in 2022 driven by non-card lending and mortgages although the rate of growth was lower than the previous year. Consumers are able to get more loan applications approved due to greater income stability and improved levels of household savings.
Lenders are increasingly looking at the loan purpose and are less likely to issue loans without a key purpose, such as overdrafts and revolving credit. Overall, banks are looking for applicants that will be able to repay the loan and have lower credit risks.
There has been a slight cooling in the Dutch housing market which is leading to a slowdown in mortgages in terms of outstanding balances and gross consumer lending. Growth in the number of transactions is slowing down.
Buy now pay later consumer lending is growing at a pace in the Netherlands. E-commerce merchants are increasingly providing a BNPL option to consumers.
More regulation is likely to impact consumer lending in the Netherlands in the forthcoming period, which is expected to reduce gross lending and reduce outstanding balance. The Dutch government and national bank, which acts as a regulator, are expected to take action to reduce the outstanding balance of mortgages, through increasing home owner taxes, reducing loan to value ratios and increasing stock of rental properties.
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Understand the latest market trends and future growth opportunities for the Consumer Lending industry in Netherlands with research from Euromonitor International's team of in-country analysts – experts by industry and geographic specialisation.
Key trends are clearly and succinctly summarised alongside the most current research data available. Understand and assess competitive threats and plan corporate strategy with our qualitative analysis, insight and confident growth projections.
If you're in the Consumer Lending industry in Netherlands, our research will help you to make informed, intelligent decisions; to recognise and profit from opportunity, or to offer resilience amidst market uncertainty.
Consumer Lending
Aggregate of Consumer Credit and Mortgages/Housing. Gross Lending: The total value of loans advanced by institutions in a given year; data refers to single year only. Outstanding Balance: The collective amount owed by borrowers at the end of a given year; data refers to the cumulative impact of debt.
See All of Our DefinitionsThis report originates from Passport, our Consumer Lending research and analysis database.
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