Loans to households fell last month by 3.6% in the year to the end of July.
That compares to a decline of 3.7% for the year ending June 2012.
Lending for house purchases in that period was 2.1% lower, while lending for other purposes dropped by 7.8%.
The Central Bank's latest figures on money and banking show a €471m fall in lending to households for the period - the drop in lending for purchasing houses accounted for €157m of that.
Loans to businesses were also down, by 3.4% following an annual decline of 2.9% in June 2012.