* as of June 2019 ** as of July 2019  20  0  9.7 15 10 9.4 5 8.9 0  -5  -5  -10  -10  -15 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019  -15  10  8  0 2010  25  20.2  20  5  Total (LHS) Households (LHS)  Enterprises (LHS) Investment loans (RHS)  Source: NBS.
To return to, and maintain, a healthy housing market, we will need a healthy system of mortgage finance.