Lending to private individuals was strongly influenced by the COVID-19 crisis last year. The number of new credit lines went down by 29,6% and the instalment loans decreased by 18,7%. The number of mortgage loans dropped by 14,8% which is largely due to the exceptionally high volume recorded in 2019 in anticipation of the abolition of the housing bonus in Flanders at the end of 2019. At the end of 2020 the number of private individuals with payment defaults declined by 6,3%. This cannot be dissociated from the possibility of getting a temporary payment delay on account of the COVID-19 crisis. The 7,2 million consultations of the Central Credit Register of the National Bank implied a drop of 14,8%.