The loans given to ventures for developing property were the most problematic, but companies that produced construction materials and goods had it hard, too. Globally, the general population had, and still has, the biggest problem with consumer credit, but in Estonia that percentage has been quite low (at the moment, under 9% of all loans to families).
Suurimaks probleemiks osutusid ettevõtetele antud kinnisvara arendamiseks mõeldud laenud, kuid raskusi oli ka ettevõtteil, mis tootsid ehitusmaterjale ja -kaupu. Elanikel olid ja on suuremad probleemid tarbimislaenudega, kuid Eestis on tarbimislaenude osakaal olnud üpris tagasihoidlik (praegu alla 9% kõikidest peredele antud laenudest).