HOMEOWNERS are continuing to save and are prioritising paying down debt.
New figures from Central Bank chief Patrick Honohan show mortgage repayments exceeded draw-downs by €104m during June.
Lending to households continued to fall, decreasing by 3.9pc in June.
Data from the Central Statistics Office (CSO) also showed that disposable income fell more than 4pc in the first three months of the year, compared with the end of 2013.
Overall, gross household saving decreased by €982m.
Household spending also fell over the same period, dropping by €138m.
Private-sector deposits increased by €26m during June. Non-resident private-sector deposits increased by €1.9bn during June.