At the end of February, the 'stock' of housing loans totalled 698 million euros more than in January and an increase of 4.8% compared to the same month last year, “maintaining the acceleration trajectory for 14 consecutive months”.

On February 28, 2025, there were 1.958 million people with mortgage loans, 1,800 more than in January, in an “indicator that had not seen an increase since June 2022”.

For loans to individuals as a whole, the increase was 5.2% compared to February 2024, rising to 134,030 million euros – a value that is higher than that recorded in January by 830 million euros.

In consumer loans and other purposes alone, the increase in the annual comparison was 6.8%, to 30.401 billion euros, growing by 132 million euros compared to the previous month.

At the end of the month under analysis, personal credit totalled 12.669 million euros, 79 million euros more than in January and 7.2% compared to the previous year, while in car credit the monthly increase was 45 million euros, to 8.466 million euros.

In the same way, the amount of credit card loans remained close to 3.2 billion euros, but the annual rate of change accelerated from 7.9% in January to 8.1% in February.

As for the 'stock' of credit to companies, at the end of February it was 72,592 million euros, 132 million euros more than at the end of January and an annual increase of 1.2%.

Micro enterprises and large companies “maintained positive annual variation rates (7.3% and 1.7%, respectively), while small and medium-sized companies continued to record negative rates (-0.3% and -4.5%, respectively)”.

The industry and electricity (-1.2%), trade, transport and accommodation (-0.3%) sectors recorded negative annual variation rates, while the construction and real estate activities sector had a positive annual variation rate of 5.8%.