At 09:30 this morning the Bank of England is publishing its latest credit conditions report - for the fourth quarter. It basically covers supply and demand for mortgages, unsecured lending and small business loans. Apple-polishing swots can see the Q3 report here. Answer the Qs below that are relevant to you. They're broken down into three sections - mortgages, unsecured loans and small business finance..
- What was the availability and pricing of mortgages like in Q4 2021 (gazillions of cheap loans I imagine)?
- How was demand for mortgages in the fourth quarter (rabid I suspect, especially among FTBs)?
- Were people taking on more loans and credit cards in Q4?
- Was it hard or easy for people to get their hands on loans and plastic in Q4 (compared to Q3)?
- Is there a sh!tstorm ahead as debt-saddled homes face ever-rising living costs and interest rate rises?
- How hard was it for the average small business to get finance in Q4?
- How was the demand from small businesses for loans? Stronger than Q3 or weaker?
- Are small businesses taking out loans more to keep them afloat than grow?
- Are small businesses struggling to cover the loan payments from finance they took out during the pandemic?
As ever, no need for an essay. Just respond to the Qs that are relevant to you. If you're a Premium user, your responses will be edited by an experienced journalist.