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Actual | Forecast | Previous | Revised Form | |
| 2.0B | 0.7B | 1.5B | 1.2B | ||
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For January
Net Consumer Credit: £0.5B, pr. £0.1B (Dec), -£0.4B (Nov),
£0.9B (Sep), £1.0B (Aug), -£0.4B (Jul), £0.3B (Jun), £0.3B (May) |
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| 6/2 | 6/29 | 7/29 | 9/1 | 9/29 | 10/29 | 11/30 | 1/4 | 2/1 | 3/1 | ||
| Actual | 1.3B | 0.6B | 0.4B | -0.6B | 0.7B | 0.7B | 0.3B | 1.1B | 1.2B | 2.0B | |
| Forecast | 1.0B | 1.3B | 0.9B | 0.4B | 0.3B | 0.7B | 0.8B | 0.6B | 1.2B | 0.7B | |
| Previous | 0.7B | 1.1B | 0.6B | 0.2B | -0.5B | 0.9B | 0.6B | 0.3B | 1.1B | 1.5B | |
| Revised From | 0.9B | 1.3B | N/A | 0.4B | -0.6B | 0.7B | N/A | N/A | N/A | 1.2B | |
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Actual | Forecast | Previous | Revised Form | |
| 1.2B | 1.2B | 1.1B | N/A | ||
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For December
Net Consumer Credit: £0.1B, forecast -£0.4B, pr. -£0.4B (Nov),
Net Mortg. Lend.: £1.2B, forecast 1.6B, pr. £1.6B, £0.9B (Oct),
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Actual | Forecast | Previous | Revised Form | |
| 1.1B | 0.6B | 0.3B | N/A | ||
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For November
Provided by Bank of England |
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Actual | Forecast | Previous | Revised Form | |
| 0.3B | 0.8B | 0.6B | N/A | ||
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For October
Net Consumer Credit: -£0.6B pr. -£0.3B (Sep), -£0.3B (Aug),
Net Mortg. Lend.: £0.9B, pr. £0.9B (Sep), £1.0B (Aug), -£0.4B (Jul),
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Actual | Forecast | Previous | Revised Form | |
| 0.7B | 0.7B | 0.9B | 0.7B | ||
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For September
Net Consumer Credit: -£0.3B, pr. -£0.3B (Aug), -£0.2B (Jul),
Net Mortg. Lend.: £0.9B, pr. £1.0B (Aug), -£0.4B (Jul), £0.3B (Jun),
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Actual | Forecast | Previous | Revised Form | |
| 0.7B | 0.3B | -0.5B | -0.6B | ||
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For August
Net Consumer Credit: -£0.3B, pr. -£0.2B (Jul), £0.1B (Jun),
Net Mortg. Lend.: £1.0B, pr. -£0.4B (Jul), £0.3B (Jun) , £0.3B (May),
Net lending rose by £700 million last month, after falling in July for the first time on record. An extra £1 billion was added to mortgage debt in August, partly offset by a second consecutive month in which consumer credit - such as credit card debt, personal savings, and hire purchase agreements - fell by £300 million. The lending figures show that UK consumers are being more frugal, paying down their credit debt, which can hinder consumer spending as the economy begins to recover from recession. On the mortgage side, the £1 billion increase reversed the negative figure from July, and is the highest increase since April. |
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Actual | Forecast | Previous | Revised Form | |
| -0.6B | 0.4B | 0.2B | 0.4B | ||
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For July
Net Consumer Credit: -£0.2B, pr. £0.1B (Jun), £0.3B (May),
Net Mortg. Lend.: -£0.4B,
pr. £0.3B (Jun) , £0.3B (May), £1.0B (Apr),
UK net consumer lending fell in July for the first time since records began in April 1993. That means that consumers paid back debt. Consumer credit fell 217 million pounds ($353 million) as consumers paid down loans rather than increasing spending. Likewise, households paid down 418 million pounds in mortgage debt. Despite the fall in lending, mortgage approvals did rise for a sixth straight month in July to a 4-month high of 50,123. The lending figures compound worries about how the troubles in the financial sector are impacting the UK economy. Consumers and households more concerned about paying back debt will spend less, weakening domestic demand. |
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Actual | Forecast | Previous | Revised Form | |
| 0.4B | 0.9B | 0.6B | N/A | ||
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For June
Net Consumer Credit: £0.1B, pr. £0.3B (May), £0.3B (Apr),
Net Mortg. Lend.: £0.3B, pr. £0.3B (May), £1.0B (Apr), £0.8B (Mar),
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Actual | Forecast | Previous | Revised Form | |
| 0.6B | 1.3B | 1.1B | 1.3B | ||
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For May
Net Consumer Credit: £0.3B pr. £0.3B (Apr), £0.1B (Mar),
Net Mortg. Lend.: £0.3B pr. £1.0B (Apr), £0.8B (Mar), £1.5B (Feb),
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Actual | Forecast | Previous | Revised Form | |
| 1.3B | 1.0B | 0.7B | 0.9B | ||
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For April
Net Consumer Credit: £0.3B pr. £0.1B (Mar), -£0.2B (Feb), £0.4B (Jan),
Net Mortg. Lend.: £1.0B pr. £0.8B (Mar), £1.5B (Feb), £1.1B (Jan),
From the Release: "The increase in total net lending to individuals in April (£1.3 billion) was higher than the March increase (£0.7 billion) but below the previous six-month average. Within the total, the increase in net lending secured on dwellings (£1.0 billion) was higher than the March increase (£0.6 billion) but below the previous six-month average. The twelve-month growth rate fell further, by 0.4 percentage points to 1.5%. The three-month annualised growth rate was unchanged at 1.0%. The number of loans approved for house purchase (43,201) was higher than in March and higher than the previous six-month average. Approvals for remortgaging (31,800) and for other purposes (27,916) were lower than in March and below the previous six-month averages." |
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