Belgian banks charge higher interest rates for riskier loans, impacting borrowers.
The article discusses what factors affect interest rates on bank loans in Belgium. It shows that changes in central bank rates quickly impact short-term loan rates, but less so for longer-term loans. Belgian banks adjust business loan rates faster than household loan rates. Banks with more capital charge higher interest rates, while liquid and large banks offer lower rates. Overall, Belgian loan conditions are similar to those in the euro area.