Auto loans: did you know how income impacts loans across Europe?

By analysing more than 4.7 Mio Auto loans stored in our unique database and securitised between 2008 and 2017, we are able to observe the Original Loan to Value (OLTV) behaviour based on the borrower’s salary band.

  • Interestingly, the data highlights that salary bands do not drive strong OLTV patterns. When it comes to financing the cost of the vehicle, people with high salaries borrow similar proportions as people with lower salaries
  • After rising in earlier years, from 2014 onwards the average OLTV has fallen across all salary bands and all jurisdictions
  • Portugal shows the highest average OLTV across all salary bands while France the lowest

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