Average amount of credits granted during the year per adult: ‘Temperament loans’ type

The indicator reports the amounts of new credits contracted during the year to the population aged 18 and over (which may have a credit). To allow a reliable interpretation, only new credits contracted during the year are taken into account because the data on the amount of a credit refers to the amount of the credit when it is opened. When a credit is older, the credit is usually partially repaid and information on the outstanding balance should be available. These are not available. Note: the data at contract level are disseminated by postal code on the website of the Credit Centre for Individuals . They have been aggregated at the municipal level by IWEPS. It is possible that this aggregation leads to some double counting. When a credit is taken out by several people who do not live in the same postal code, the data are included in the file for each of the postal codes concerned. If two contractors live in the same municipality but not in the same postal code, there will be duplication in the information related to the credit (amount, number, ...). These cases are probably rare because loans to several borrowers most often concern people domiciled at the same address. It should be noted that the refinancing of a mortgage loan is considered to be a new loan. This partly explains the sharp increase between 2014 and 2015. See also: - the website of the National Bank of Belgium (NBB), "[\2](\1)".