The fact that banks rightly differentiate between good and bad risks when pricing loans, and that this often leads to considerable differences in interest rates for the same types of loans, such as: Housing loans to households – this often leads to substantial differences in interest rates. – See credit quality class, credit risk, credit risk premium, pricing power, risk adjustment. – See Deutsche Bundesbank Monthly Report of February 2009, p. 31 (banking conditions in Germany 2004 to 2009), Deutsche Bundesbank Monthly Report of August 2011, p. 37 (same 2002 to 2011), Deutsche Bundesbank Monthly Report of February 2012, p. 33 (banking conditions broken down since 2002).
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University Professor Dr. Gerhard Merk, Dipl.rer.pol., Dipl.rer.oec.
Professor Dr. Eckehard Krah, Dipl.rer.pol.
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