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German banks tightened credit standards in Q2 2026
The Bundesbank reported tighter standards in all three surveyed loan categories.
SourceDeutsche Bundesbank ↗Source published: 2026-07-21
What happened?
German banks in the Bank Lending Survey tightened standards for corporate, housing and consumer loans. Housing-loan standards also became more restrictive for buildings with low energy performance.
Why it matters
Anyone using advertised or historical conditions should obtain a current personal offer before acting.
Which decisions may be affected?
Calculated affordability is not the same as an available credit offer or approval.
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