The aim of this paper is twofold. Using the Eu-Silc database for seven European countries, we first analyse the frequency of households in arrears in repaying mortgages. By considering only households with mortgages, we uncover some new evidence compared to previous analyses. Although the shares...

Since 2015 consumer loans have been rising fast in France, Germany, Italy, and Spain. Credit demand, specifically for consumer durables, has played a crucial role; the easing of supply conditions has been relevant only in Italy and Spain, which experienced stronger credit tightening during the...

Which households use consumer credit? This paper addresses the question using harmonized data from Eurostat's EU-SILC survey for nine European countries in the period 2005-08. There is wide heterogeneity in participation in the consumer credit market, ranging from 15 to 46 per cent across...