Irish banks have reported seeing increased demand from customers for mortgage loans for the third quarter in a row.
The latest quarterly Central Bank lending survey notes rising demand and an easing of credit standards on loans to households during the final three months of 2012.
The banks are reporting weak demand from businesses for credit, however, with demand unchanged over the fourth quarter according to the survey.
The Central Bank of Ireland survey results form part of a wider survey of lending across the euro zone by the the European Central Bank.
The ECB's lending survey showed a "pronounced net decline" in business loan demand in the fourth quarter.
The main reason cited by banks was that companies are not seeing a need to finance new fixed investment such as buildings and machinery, a key component of any recovery.
The survey also shows banks continue to tighten credit standards.