Housing and credit access | ECB Data Portal

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Expected ease of credit access over the next 12 months (qualitative), Weighted share, Euro area 11 (DE, IT, ES, FR, NL, BE, FI, AT, GR, PT, IE), Monthly

Age between 55 and 70 Total Expected ease of credit access... Down/Deteriorated/Decreased/Wi... Weighted share

Age between 55 and 7... Total Expected ease of cre... Down/Deteriorated/De... Weighted share

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Pure number

Last updated: 30 Jan 2026 10:00 CET

CES.M.Z18.AGE_55_70.T.C7120.DEC.WS

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Expected ease of credit access over the next 12 months (qualitative), Weighted share, Euro area 11 (DE, IT, ES, FR, NL, BE, FI, AT, GR, PT, IE), Monthly

Income quintile 3 Total Expected ease of credit access... Unchanged/ Broadly unchanged/ ... Weighted share

Income quintile 3 Total Expected ease of cre... Unchanged/ Broadly u... Weighted share

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Pure number

Last updated: 30 Jan 2026 10:00 CET

CES.M.Z18.INC_Q_3.T.C7120.UNCH.WS

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Mortgage interest rate expectations 12 months ahead (%), Weighted number of responses, Euro area 11 (DE, IT, ES, FR, NL, BE, FI, AT, GR, PT, IE), Monthly

Age between 35 and 54 Total Mortgage interest rate expecta... Numeric variable Weighted number of responses

Age between 35 and 5... Total Mortgage interest ra... Numeric variable Weighted number of r...

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Pure number

Last updated: 30 Jan 2026 10:00 CET

CES.M.Z18.AGE_35_54.T.C5111.NUM_VAR.WN

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Perceived ease of credit access over the previous 12 months (qualitative), Weighted share, Euro area 11 (DE, IT, ES, FR, NL, BE, FI, AT, GR, PT, IE), Monthly

Age between 18 and 34 Total Perceived ease of credit acces... Up/Improved/Increased/Will inc... Weighted share

Age between 18 and 3... Total Perceived ease of cr... Up/Improved/Increase... Weighted share

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Pure number

Last updated: 30 Jan 2026 10:00 CET

CES.M.Z18.AGE_18_34.T.C7110.INC.WS

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Expected ease of credit access over the next 12 months (qualitative), Weighted share, Euro area 11 (DE, IT, ES, FR, NL, BE, FI, AT, GR, PT, IE), Monthly

Income quintile 1 Total Expected ease of credit access... Down/Deteriorated/Decreased/Wi... Weighted share

Income quintile 1 Total Expected ease of cre... Down/Deteriorated/De... Weighted share

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Pure number

Last updated: 30 Jan 2026 10:00 CET

CES.M.Z18.INC_Q_1.T.C7120.DEC.WS

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Perceived ease of credit access over the previous 12 months (qualitative), Weighted share, Euro area 11 (DE, IT, ES, FR, NL, BE, FI, AT, GR, PT, IE), Monthly

Income quintile 2 Total Perceived ease of credit acces... Net Balance (increased minus d... Weighted share

Income quintile 2 Total Perceived ease of cr... Net Balance (increas... Weighted share

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Pure number

Last updated: 30 Jan 2026 10:00 CET

CES.M.Z18.INC_Q_2.T.C7110.NB.WS

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Home price expectations 12 months ahead (% change), Unweighted number of responses, Euro area 11 (DE, IT, ES, FR, NL, BE, FI, AT, GR, PT, IE), Monthly

Age between 55 and 70 Total Home price expectations 12 mon... Numeric variable Unweighted number of responses

Age between 55 and 7... Total Home price expectati... Numeric variable Unweighted number of...

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Pure number

Last updated: 30 Jan 2026 10:00 CET

CES.M.Z18.AGE_55_70.T.C2120.NUM_VAR.UN

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Home price expectations 12 months ahead (qualitative), Weighted share, Euro area 11 (DE, IT, ES, FR, NL, BE, FI, AT, GR, PT, IE), Monthly

Age between 55 and 70 Total Home price expectations 12 mon... Up/Improved/Increased/Will inc... Weighted share

Age between 55 and 7... Total Home price expectati... Up/Improved/Increase... Weighted share

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Pure number

Last updated: 30 Jan 2026 10:00 CET

CES.M.Z18.AGE_55_70.T.C2110.INC.WS

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Expected ease of credit access over the next 12 months (qualitative), Weighted share, Euro area 11 (DE, IT, ES, FR, NL, BE, FI, AT, GR, PT, IE), Monthly

Income quintile 2 Total Expected ease of credit access... Net Balance (increased minus d... Weighted share

Income quintile 2 Total Expected ease of cre... Net Balance (increas... Weighted share

More geographical areas

Pure number

Last updated: 30 Jan 2026 10:00 CET

CES.M.Z18.INC_Q_2.T.C7120.NB.WS

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Perceived ease of credit access over the previous 12 months (qualitative), Unweighted number of responses, Euro area 11 (DE, IT, ES, FR, NL, BE, FI, AT, GR, PT, IE), Monthly

Income quintile 2 Total Perceived ease of credit acces... Numeric variable Unweighted number of responses

Income quintile 2 Total Perceived ease of cr... Numeric variable Unweighted number of...

More geographical areas

Pure number

Last updated: 30 Jan 2026 10:00 CET

CES.M.Z18.INC_Q_2.T.C7110.NUM_VAR.UN

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Expected ease of credit access over the next 12 months (qualitative), Weighted share, Euro area 11 (DE, IT, ES, FR, NL, BE, FI, AT, GR, PT, IE), Monthly

Euro area 6 (DE, IT, ES, FR, NL, BE)

Expected ease of credit access over the next 12 months (qualitative), Weighted share, Euro area 11 (DE, IT, ES, FR, NL, BE, FI, AT, GR, PT, IE), Monthly

Euro area 6 (DE, IT, ES, FR, NL, BE)

Mortgage interest rate expectations 12 months ahead (%), Weighted number of responses, Euro area 11 (DE, IT, ES, FR, NL, BE, FI, AT, GR, PT, IE), Monthly

Euro area 6 (DE, IT, ES, FR, NL, BE)

Perceived ease of credit access over the previous 12 months (qualitative), Weighted share, Euro area 11 (DE, IT, ES, FR, NL, BE, FI, AT, GR, PT, IE), Monthly

Euro area 6 (DE, IT, ES, FR, NL, BE)

Expected ease of credit access over the next 12 months (qualitative), Weighted share, Euro area 11 (DE, IT, ES, FR, NL, BE, FI, AT, GR, PT, IE), Monthly

Euro area 6 (DE, IT, ES, FR, NL, BE)

Perceived ease of credit access over the previous 12 months (qualitative), Weighted share, Euro area 11 (DE, IT, ES, FR, NL, BE, FI, AT, GR, PT, IE), Monthly

Euro area 6 (DE, IT, ES, FR, NL, BE)

Home price expectations 12 months ahead (% change), Unweighted number of responses, Euro area 11 (DE, IT, ES, FR, NL, BE, FI, AT, GR, PT, IE), Monthly

Euro area 6 (DE, IT, ES, FR, NL, BE)

Home price expectations 12 months ahead (qualitative), Weighted share, Euro area 11 (DE, IT, ES, FR, NL, BE, FI, AT, GR, PT, IE), Monthly

Euro area 6 (DE, IT, ES, FR, NL, BE)

Expected ease of credit access over the next 12 months (qualitative), Weighted share, Euro area 11 (DE, IT, ES, FR, NL, BE, FI, AT, GR, PT, IE), Monthly

Euro area 6 (DE, IT, ES, FR, NL, BE)

Perceived ease of credit access over the previous 12 months (qualitative), Unweighted number of responses, Euro area 11 (DE, IT, ES, FR, NL, BE, FI, AT, GR, PT, IE), Monthly

Euro area 6 (DE, IT, ES, FR, NL, BE)