The housing loan stock increased by 789 million euros by the end of April compared to March, totaling 105.192 million euros, and maintaining a year-on-year acceleration trajectory, with a growth rate of 6.0%, the highest since August 2008.
The central bank reported that the number of mortgage borrowers also rose in April: there were 1.96 million borrowers at the end of the month, 2,000 more than the previous month, but 7,500 fewer than the same month last year.
The total amount of loans to individuals grew by 6.3% in April compared to the same month last year, reaching 136.067 million euros, marking the highest annual variation rate since September 2008.
Meanwhile, loans for consumption and other purposes increased by 121 million euros compared to March, reaching 30.875 million euros, and rose by 7.1% year-on-year, surpassing the growth rate of the previous month (7.0% in March).
The central bank detailed that consumer loans had an annual variation rate of 7.0% (7.3% in March), while loans for other purposes registered the highest annual growth since July 2008 (7.1%).
By the end of April, the stock of personal loans amounted to 12.846 million euros, 31 million more than in March and 7.4% above the year-on-year figure.
Car loans were approximately 8.598 million euros, 56 million euros more than in March, corresponding to an annual variation rate of 10.1%.
Credit card debt reached 3.229 million euros, an increase of 11 million euros compared to March, with an annual variation rate of 7.7% (9.0% in March).
The corporate loan stock by the end of April was 72.487 million euros, 121 million less than at the end of March.
“However, year-on-year growth was 1.8%, the highest since June 2022, because April 2025 transactions were higher (less negative) than those recorded in the year-ago period,” noted the central bank.
Micro and large companies maintained positive annual variation rates (10.2%, and 0.7% respectively), while medium-sized companies continued to have negative rates (-3.8%), and small companies recorded a zero rate.
The industries and electricity sector showed an annual variation rate of -0.7%, influenced by a decrease in loans to industries (-2.0%).
In the commerce, transport, and accommodation sector, which had an annual variation rate of 0.3%, behaviors varied: loans to accommodation and food service companies grew by 2.2% and those to commerce by 0.6%, while loans to transport and storage companies decreased by 3.1% year-on-year.
In the construction and real estate activities sector, the annual variation rate was positive, at 5.3% (5.6% in March).
