The Central Bank of Chile published results from its Bank Credit Survey for the third quarter of 2025, indicating that banks’ lending conditions were broadly stable across segments, except for more restrictive standards in consumer credit. Banks also perceived credit demand to be somewhat weaker than in the prior quarter for most portfolios, while demand for housing loans strengthened. On the supply side, the share of banks reporting tighter consumer credit conditions rose from 0% to 25%, with no bank reporting more flexible standards. For housing loans, 91% of banks reported no change in lending conditions. Corporate lending standards were largely unchanged, with no bank reporting changes for small and medium-sized enterprises (SMEs) and a slight increase in tighter conditions for large corporates (from 0% to 7%). Lending conditions were reported as slightly more flexible for real estate firms and construction companies, with the share of banks reporting less restrictive conditions rising to 9% and 10%, respectively. On the demand side, 8% of banks reported stronger demand for consumer credit (up from 0%), while 17% continued to report weaker demand; for housing credit, the share reporting stronger demand rose from 18% to 55% and no bank reported a decline. For SMEs, the share reporting weaker demand fell from 36% to 18% and the share reporting strengthening rose from 9% to 18%; for large corporates, banks reporting weaker demand increased from 29% to 36% and those reporting stronger demand fell from 21% to 7%. Demand from real estate and construction firms was described as more weakened overall, with no bank reporting strengthening demand in either segment. The survey was based on banks’ responses collected between 22 September and 2 October 2025 from credit-area executives at Chilean banking institutions, and the Central Bank noted that the data are available in its Statistical Database.

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