11-year record in consumer loans – Where the Greeks used them

There is a significant rise in new consumer goods, which during the year had a 40% increase, while disbursements already exceeded 1.2 billion euros. Overall, borrowers received smaller but more loans in the first half of the year. According to data from the Bank of Greece, new consumer loans reached €1.13 billion in the first eight months of the year alone, while total disbursements were €350 million higher than housing loans. Although in housing credit there is no concern from the banks, as they expect significant interest in the new “Spiti my 2” scheme, which starts in January 2025.

According to the experts, getting consumer credit has become extremely easy and fast, since they can be approved even within a few minutes and combined with the rise in consumption, the result has been a leap in consumer credit. Analysts estimate that this year the market will see an 11-year record in new lending. It is recalled that July had an 11-year record for amounts of total consumer loans granted within a month, reaching 165 million euros.

Also interesting is the rise in larger loans that need to be secured by real estate. In the largest consumer and housing loans for which banks require significant collateral, the Bank of Greece recorded in the first half of the year that 593 million euros were disbursed. This is an increase of 16.9% over last year. This category, consisting mainly of housing, reached 10,257 new contracts in just 6 months. In the first half the average disbursement amounted to 57,900 euros, reduced by 25% compared to 77,200 euros in the first half of 2023.

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#11year #record #consumer #loans #Greeks
It looks like you've shared a snippet of JavaScript code ‍related to ad configuration‍ and management for ‍a website, specifically using Google Publisher​ Tag‍ (GPT) and possibly integrating with other advertising platforms.

Key Features of the Code:

1. Slot Definitions: The googletag.defineSlot method is used to define various ad slots on the page, specifying the sizes of each slot⁤ and the ⁣service it interacts with (googletag.pubads()).

1. Size Mapping: The use of​ .defineSizeMapping() allows slots to adapt their sizes based on the ⁤viewport and available space, enhancing‍ the‌ responsiveness of the ⁤ads.

1. Targeting: The setTargeting method is‍ applied to categorize the ads based on certain criteria ⁣like ‌ pageType, category, and article_id, which can help serve more ⁢relevant⁣ ads.

1. Service Initialization: After defining ad slots and settings, various services are initialized with⁣ googletag.enableServices().

1. Ad Display Logic: The displaySlot ‍ function is called to render the ads in their respective slots‍ on the page. This function is ​dependent ⁣on the view type (desktop or mobile), with specific slots ⁣being shown ‍based on the device type.

1. Handling Google AdSense: The code conditionally removes ⁤certain AdSense elements from the DOM depending on⁢ whether the user⁢ is on a ⁣mobile device or desktop.

1. Asynchronous Loading: There ⁣are placeholders for functions ⁤intended for asynchronous loading⁣ of scripts and ad networks like Phaistos, Taboola, and potentially others.

1. Disqus Integration: The code also ‍includes a configuration for Disqus, indicating ⁢integration for comments, with specific ‌URL and identifier settings.

1. OneSignal Push Notifications: There is a setup for OneSignal, a service that allows web push notifications, including the‌ app ID.

Potential Areas of‌ Improvement:

• Code‌ Readability: Enhancing comments ⁤and ‍structuring the‍ code could improve readability for other developers working ⁢on it.

• Dynamic URL Handling: The‌ URLs⁢ in‌ certain places ⁢(e.g., scripts for async loading) are⁣ placeholders and should be properly defined.

• Error Handling: Implement checks to catch errors that might occur during ad loading or script execution⁣ to improve ​reliability.

• Performance Optimization: Consider strategies ‌for loading​ components asynchronously⁢ to ‍avoid blocking the rendering of the main page content, ⁢improving user experience.

This ​code provides a ⁢comprehensive framework for managing advertisements‌ on a digital platform, ⁤ensuring ⁤that ads are appropriately categorized and served based⁢ on user interactions and device ⁢types. If you require further explanation on specific parts or have questions about implementation, feel free to ask!

It looks like you’ve provided a snippet of JavaScript code related to ad management, script loading, and user engagement through various platforms. Below is a breakdown of the key features and behaviors in the code based on the segments you've shared:

Key Features of the Code:

1. Ad Slot Handling:

- The code checks device type (mobile or desktop) and conditionally removes AdSense slots based on the device. This ensures that the correct ad formats are served to users.

1. Asynchronous Script Loading:

- There are placeholders for functions designed for asynchronous loading of various advertising services (like Phaistos and Taboola), allowing the page to remain responsive while ads are loaded.

1. Google AdSense Configuration:

- The configuration handles the visibility of AdSense slots based on device type and contains logic to dynamically load and remove ad components.

1. Disqus Integration:

- There’s a configuration function for Disqus comments, which is set to initialize with specific parameters such as page.url and page.identifier.

1. OneSignal for Push Notifications:

- The code initializes OneSignal for web push notifications, enabling user engagement through notifications directly on their devices.

1. Microsoft Clarity and Yandex Metrica:

- The code contains integrations for Microsoft Clarity (a web analytics tool) and Yandex Metrica, both of which are used for tracking user behavior and collecting analytics data.

1. Ad Targeting:

- There are mentions of targeting functionality, where ads are categorized based on page attributes (like pageType, category, and article_id), allowing for more relevant ads to be displayed to the users.

1. Multi-Platform Support:

- The script includes checks for whether specific ad logic or scripts should execute based on the device type, showcasing an effort to be mobile-responsive.

1. Delays for Script Execution:

- Several features include timed delays (using setTimeout) before executing certain scripts. This aims to improve load order and prioritize user interface responsiveness.

1. Commented-out Segments for Future Use:

- There are sections that are commented out, indicating possible future enhancements or integrations (like CleverCore or additional ad services).

Conclusion

This JavaScript code snippet is a comprehensive approach to handling ads, user notifications, and engagement tools on a website, ensuring that the right elements are displayed based on user context, and enhancing overall user experience through targeted advertisements and interactions. If you have specific questions about any part of this code or need further clarification, feel free to ask!