The Central Bank has published its critical survey regarding vehicle and housing loans.

04.04.2025 10:21

The "Bank Lending Trends Survey," which includes the evaluations of the Central Bank of the Republic of Turkey (CBRT) for the first quarter of 2025, has been published. The survey emphasized that the easing of standards applied to housing and vehicle loans continues to weaken. Additionally, the expectations of banks in this area were also included.

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The Central Bank of the Republic of Turkey (CBRT) has published the Bank Loans Trend Survey, which includes credit trends for the first quarter of 2025 and evaluations related to the first quarter of 2025.

Data closely monitored by those planning to buy and sell housing and vehicles has been shared with the public. The survey, which includes future expectations for housing and vehicle loans, emphasized that the easing of standards applied to housing and vehicle loans continues to weaken. Additionally, the expectations of banks in this area were listed one by one.

The following statements were included in the Bank Loans Trend Survey, which is closely related to the housing and vehicle market:

• In the first quarter of 2025, a slight easing in the standards applied by banks to the loans they provide to businesses has been observed. When examining the subcomponents, it has been noted that there has been a renewed tightening in the standards applied to loans given to large enterprises and loans opened in foreign currency, while easing has begun in other business loans. The expectation of banks for the second quarter of 2025 is that there will be easing in the standards applied to loans given to businesses in general.



• In the first quarter of 2025, it has been observed that the easing of standards applied to housing and vehicle loans continues to weaken, while easing has begun in the standards applied to other types of personal loans. The expectation of banks for the second quarter of 2025 is that the easing in the standards applied to housing and vehicle loans will continue weakly, while a slight tightening will begin in the standards applied to other types of personal loans. When the survey results are examined in terms of credit demand, the increase in demand for loans given to businesses has continued to strengthen somewhat in the first quarter of 2025.

"INCREASE IN PERSONAL LOAN DEMANDS WILL CONTINUE"

• When examining the subcomponents, an increase in demand for all types of business loans has been observed. In the second quarter of 2025, it is expected that the increase in demand for loans given to businesses in general will continue to strengthen. In the first quarter of 2025, the decrease in demand for housing loans observed in the previous quarter has turned into an increase again, while the increase in demand for vehicle loans has turned into a decrease again. The increase in demand for other personal loans has continued to strengthen. The expectation of banks for the second quarter of 2025 is that the increase in demand for housing and other types of personal loans will strengthen, while the decrease in demand for vehicle loans will continue to weaken.



• When examining the development of banks' funding opportunities, it has been observed that the easing of domestic and foreign funding conditions continued in the first quarter of 2025. It is also expected that the easing of domestic and foreign funding conditions will continue in the second quarter of 2025.