"In the last two years we have observed an acceleration of consumer credit by households." The realization that this type of loan is at its "historic high," with year-on-year growth exceeding 10% – according to November 2025 figures – reaching €114 billion – a figure representing around 15% of total household loans – is due to over-indebtedness. The Council of Ministers, in its first meeting of the year this Wednesday, approved it in its first reading. It will still have to pass a second reading before being submitted to Congress for scrutiny.

Eurozone banks slightly, albeit unexpectedly, increased restrictions on lending or credit lines to businesses during the third quarter of 2025, while keeping mortgage lending standards for individuals unchanged and slightly tightening conditions for access to consumer credit, according to the latest report.