Chart 19: Credit standards on loans to euro area firms (left panel) and households for house purchase (right panel) and contributing factors (net percentages)  Source: ECB (BLS). Notes: Net percentages are defined as the difference between the sum of the percentages of banks responding “tightened considerably” and “tightened somewhat” and the sum of the percentages of banks responding “eased somewhat” and “eased considerably”.
“Risk perceptions” for loans to firms is the unweighted average of “general economic situation and outlook”, “industry or firm-specific situation and outlook/borrower’s creditworthiness” and “risk related to the collateral demanded”. “Risk perceptions” for loans to households for house purchase is the unweighted average of “general economic situation and outlook”, “housing market prospects, including expected house price developments” and “borrower’s creditworthiness”.