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The lending landscape in the Netherlands can best be characterised by a relatively strong saving culture and even an aversion against applying for loans from financial institutions. The Dutch tend to keep their debts manageable and limit them mostly to essential borrowing such as mortgages and education.
Students increasingly prone to education lending due to legislative change
Student loans for graduates and non-graduates are provided by the government authority known by its Dutch abbreviation “DUO”. Very low interest rates make loans from DUO attractive to most students, which are determined annually for new students.
Double-digit growth rates for auto lending
Gross lending for cars recorded double-digit growth rates in 2017 and in 2018. While leasing cars has been popular with many Dutch consumers, experienced drivers tend to opt for auto lending, as they pay less insurance premium.
Competitive real estate and low interest rate, while mortgages flourish
With an expanding economy, real estate has developed rapidly. The Dutch are steadily seeing their wages increase and thus feel comfortable with applying for a relatively large mortgage.
Lending threshold will rise as economic growth normalises
The Dutch lending culture quite consistently encompasses an aversion against high debts and saving for large expenses before making use of a lender. This means that the threshold for debt and lending directly relates to the interdependent economic growth and consumer confidence.
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Discover the latest market trends and uncover sources of future market growth for the Consumer Lending industry in Netherlands with research from Euromonitor's team of in-country analysts.
Find hidden opportunities in the most current research data available, understand competitive threats with our detailed market analysis, and plan your corporate strategy with our expert qualitative analysis and growth projections.
If you're in the Consumer Lending industry in Netherlands, our research will save you time and money while empowering you to make informed, profitable decisions.
The Consumer Lending in Netherlands market research report includes:
Analysis of key supply-side and demand trends
Historic volumes and values
Five year forecasts of market trends and market growth
Robust and transparent market research methodology, conducted in-country
Our market research reports answer questions such as:
What is the market size of Consumer Lending in Netherlands?
What are the major trends set to impact the market in Netherlands?
What capacity for consumer debt still exists in the market?
What’s the state of credit quality in the market?
Has the economic downturn reset the lender competitive landscape?
Why buy this report?
Gain competitive intelligence about market leaders
Track key industry trends, opportunities and threats
Inform your marketing, brand, strategy and market development, sales and supply functions