COGNICURRENT

The article discusses the anticipated growth in the Polish credit market for 2026, driven by declining interest rates and increased demand for both personal and business loans.

This article provides information on how to check the status and pending payments of ANSeS credits, which many Argentinian workers and retirees are still repaying despite the cessation of new credit issuance.

In Brazil, consumer and corporate delinquency on loans has increased to 5.5%, the highest level since 2017, amid elevated interest rates.

The amount of new loans from loan shark companies has surged to a 3.5-year high, indicating a growing trend of middle-to-low credit individuals turning to such lenders due to stricter regulations by the government.

A significant portion of applicants for Gyeonggi's low credit loan program are struggling financially, with many having resorted to high-interest and illegal money lending.

Ecuador's President Daniel Noboa warns BanEcuador officials against requiring spousal signatures for women seeking entrepreneurial loans, asserting that any such obstruction will be treated as treason.

Bank credit loan interest rates have risen above 4% for the first time in 14 months, prompting concerns about the impact on stock investment borrowing.

The Reserve Bank of India has proposed significant changes to the Kisan Credit Card (KCC) scheme to improve loan coverage and limits for farmers.

Documents from the INSS indicate a significant increase in the benefit of credit loans from Banco Master distributed by Credcesta, highlighting concerns over compliance.

In 2022, individuals under 21 were granted less than 4% of loans from non-bank creditors in Latvia, highlighting significant barriers for this age group.

BTG Pactual is set to acquire up to 48% of the fintech meutudo, a company that facilitates online credit services in Brazil, subject to regulatory approval.

The report discusses the income requirements for obtaining mortgage loans in Argentina, highlighting the challenges posed by rising property prices and interest rates.

Non-bank credit in Argentina has increased significantly, now representing 25% of consumer loans alongside rising irregularity in repayments.

The Polish Credit Information Bureau forecasts a 20% increase in housing loans in 2026, driven by lower interest rates and economic growth.

In 2025, Poles borrowed a record amount in loans and credit, driven by stable economic conditions and increasing consumer confidence.

The Mi Casa Propia credit program by Banco del Pacífico in Ecuador is experiencing slow uptake, with over 60% of applications failing to meet qualification criteria.

The article explores the diminishing differences in costs between mortgage loans and renting in various Polish cities, alongside trends in loan availability and consumer preferences in the real estate market.

In Rio Grande do Sul, Brazil, a significant number of elderly citizens face rising debt due to insufficient incomes, forcing them to rely on loans and credit for basic expenses.

The article discusses the significant interest rate disparities between bank loans and second-tier financial institutions for low-credit borrowers in South Korea.

Sicoob Credisul's consigned credit can be a valuable financial tool when used thoughtfully and planned effectively.

The Katseli Law, affecting 350,000 debtors and guarantors, is causing significant backlash among private debt managers following a Supreme Court decision that alters the interest calculation method for these loans, making it a global exception in banking credit practices.

The banking sector warns it will impose stricter conditions on consumer loans following a government law limiting the maximum interest rate they can charge.

The Greek Banking Association reported a significant increase in housing loans by 46.3% in 2025, with about 45,000 households securing new loans and a total of €2.509 billion granted to small businesses.

European banks have unexpectedly tightened credit criteria for businesses at the end of 2025, raising concerns about future lending practices.

Gyeonggi-do has improved its ultra-low credit loan scheme and will start accepting applications from the 11th to provide assistance to financially vulnerable residents.

Cresol, a cooperative financial institution, became the largest operator of BNDES resources for individuals in 2025, facilitating over R$ 8.7 billion in loans across more than 103 thousand operations throughout Brazil.

Sicoob Credisul's consigned credit provides a convenient financial solution primarily benefiting those who understand its functionality and use it responsibly.

Spanish households ended 2025 with increased spending, as bank financing to families rose by 4% in December compared to the previous year, reaching a total of 715.884 billion euros, primarily driven by housing loans.

The government aims to cap the maximum interest rate for consumer loans, including 'revolving' credit cards, at 22%, highlighting the lack of arguments against such a measure.

Despite having a decent income and a good credit score, there are additional factors that banks consider which can affect loan approval.

The Bank of Spain will gain authority to intervene in the credit market, including the power to prohibit consumer loans if serious risks to consumers are identified.

In November 2025, Greece ranked among the top five cheapest countries in the Eurozone for mortgage interest rates, experiencing a steady decrease in borrowing costs and returning to positive credit expansion in housing loans for the first time in 15 years.

A new draft law approved by the Council of Ministers in Spain aims to impose stricter regulations on consumer credit to protect vulnerable clients.

Spanish bank delinquency dropped to 2.84% in October, the lowest level in 17 years, as credit balances increased and unpaid loans decreased.