The Central Bank of Chile published its Bank Credit Survey results for the fourth quarter of 2025, showing broadly stable credit supply conditions across market segments and stronger demand for mortgage lending and credit from real estate companies compared with the previous quarter. On the supply side, consumer and mortgage lending standards showed no major changes. In consumer credit, 82% of surveyed banks reported no changes and the share reporting tighter conditions fell to 18% from 25%; in mortgages, the share reporting more restrictive standards was similar to the share reporting more flexible conditions at 10%. For small and medium-sized enterprises and large companies, changes were limited, with the share reporting more flexible conditions rising to 10% and 15%, respectively, from 0% in the prior quarter. Credit supply conditions for real estate and construction firms were also largely unchanged, with 10% of banks reporting less restrictive conditions for real estate firms and no banks reporting changes for construction firms. On demand, consumer credit was broadly stable while mortgage demand strengthened, with 40% of banks reporting stronger demand and 10% reporting a decline. Perceptions of corporate credit demand by firm size were mostly steady, though for large companies the share reporting weaker demand fell to 15% from 36% and the share reporting stronger demand rose to 15% from 7%. Demand from real estate companies strengthened, with the share reporting weaker demand dropping to 0% from 9% and the share reporting stronger demand rising to 40% from 0%, while construction-sector demand was described as stable with 10% reporting weaker demand and 10% reporting stronger demand.

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