bhala kukhalenda lakho amalanga lapho okubuya khona umbonisi wesiqinti ebandleni lenu ukuze ungakhuthi inkulumo zakhe ewolu lombuso. nxa ufuna ukuthi abuye lomkakhe esifundweni sakho sebhayibhili kuleloviki, tshela ofunda lawe ibhayibhili. the national credit regulator (ncr) released the consumer credit market report (ccmr) and the credit bureau monitor (cbm), which are based on data submitted to the ncr by registered credit providers and credit bureaus respectively. the latest edition of the reports covers credit market information up to december 2017. the total value of new credit granted increased by 9,76% quarter--on--quarter from r123,64 billion to r135,71 billion. the number of applications for credit increased by 6,18% quarter--on--quarter from 9,87 million in september 2017 to 10,48 million in december 2017. the following were some of the most significant trends observed in terms of credit granted for the quarter ended december 2017: • the value of new mortgages granted increased by r3,79 billion (10,10%) quarter--on--quarter but increased by r3,99 billion (10,68%) year--onyear. • secured credit ,which is dominated by vehicle finance, increased by r4,12 billion (9,74%) quarter--on--quarter and by r4,18 billion (9,91%) yearon--year. • credit facilities increased by r1,38 million (8,84%) quarter--on--quarter and by r2,58 billion (17,25%) year--on year. • unsecured credit decreased by r2,77 billion (12,44%) quarter--on--quarter, but increased by r2,01 billion (8,73%) year--on--year. the total outstanding consumer credit balances (or gross debtors book) as at december 2017 was r1,76 trillion, representing an increase of 1,53% quarter--on--quarter and 3,77% year--on--year. the trends for outstanding balances for the quarter ended december 2017 were as follows: • mortgage debtors book increased by r8,72 billion (0,97%) for the quarter ended december 2017 and by r28,82 billion (3,29%) year--onyear. • secured credit debtors book increased by r7,89 billion (1,98%) for the quarter ended december 2017 and by r21,60 billion (5,61%) year--onyear. • credit facilities debtors book increased by r2,96 billion (1,32%) for the quarter ended december 2017 and by r5,67 billion (2,56%) yearon--year. • unsecured credit debtors book increased by