“Should the unemployment rate rise further in 2012, credit defaults and impairment costs will also increase, and loan rates will come under pressure. However, given that lenders are currently benefiting from high margins on consumer credit products, there is arguably some room for manoeuvre and scope for tactical pricing.”

– Sarah Hitchcock, Senior Analyst

Some key questions answered in the report include:

How has the loans market performed recently?

“Should the unemployment rate rise further in 2012, credit defaults and impairment costs will also increase, and loan rates will come under pressure. However, given that lenders are currently benefiting from high margins on consumer credit products, there is arguably some room for manoeuvre and scope for tactical pricing.”

– Sarah Hitchcock, Senior Analyst

Some key questions answered in the report include:

How has the loans market performed recently?

What impact has the loss of competition had on the unsecured sector?

Who are the main players in this market?

Are there any areas of the market that are experiencing growth?

And what are the market’s short-term prospects?