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France bank lending rates and deposit rates

France bank lending rates and deposit rates are published monthly by the Banque de France.

Source: ECB Data Portal – MFI interest rate statistics (MIR), reported by Banque de FranceLast updated: Sep 14, 2026, 20:10Curated by Bui Thanh PhucAbout this data ↓

Indicator07-202606-202605-202604-202603-202602-202601-202612-202511-202510-202509-202508-202507-202506-202505-202504-202503-202502-202501-202512-202411-202410-202409-202408-202407-202406-202405-202404-202403-202402-202401-202412-202311-202310-202309-202308-202307-2023
Lending rates to households5
House purchase16
Consumer credit13
Other purposes11
All loans2
Revolving loans, overdrafts and credit cards3
Lending rates to businesses2
All loans92
Revolving loans, overdrafts and credit cards3
Rates on outstanding loans37
Loans to corporations (outstanding amounts)3.133.113.083.073.063.133.013.063.073.053.063.043.063.153.143.243.273.363.323.413.473.433.523.493.53.473.453.493.443.493.393.393.333.223.183.082.94
Loans to households (outstanding amounts)2.592.592.542.572.552.652.472.472.472.432.432.382.382.412.362.392.42.462.292.292.342.312.32.232.232.232.192.162.152.172.062.052.062.052.051.951.92
Loans to corporations with an original maturity of up to one year (outstanding amounts)3.823.743.683.673.583.633.483.593.573.533.513.473.543.633.793.934.044.194.384.354.814.755.024.965.074.914.955.085.035.195.025.084.864.894.864.694.39
Loans to corporations with an original maturity of over two years (outstanding amounts)32.992.952.952.963.032.892.962.972.952.992.952.943.043.013.13.093.183.083.153.163.143.183.143.143.113.073.083.053.082.972.932.922.82.782.72.57
Loans to households with an original maturity of over two years (outstanding amounts)2.472.482.442.432.452.52.372.342.362.322.342.282.292.312.262.312.32.372.22.222.242.192.22.132.122.132.092.072.062.081.971.971.981.961.971.881.85
Loans to corporations with an original and remaining maturity of over two years, and rate reset within the next 24 months (outstanding amounts)2.662.682.672.692.672.872.752.782.912.882.993.033.133.233.213.43.323.583.53.613.673.633.743.743.693.763.743.83.723.863.683.683.653.493.423.333.23
Loans to households with an original and remaining maturity of over two years, and rate reset within the next 24 months (outstanding amounts)4.224.144.124.174.214.384.34.444.514.414.384.414.194.254.264.324.324.454.334.284.434.124.484.24.174.154.353.954.043.933.854.044.090.040.040.040.04
Loans to corporations with an original maturity of over two years and remaining maturity of up to two years (outstanding amounts)3.33.323.213.243.123.23.083.173.133.073.032.962.91333.173.173.223.243.433.43.433.593.53.493.633.483.693.693.733.73.733.673.553.523.373.3
Loans to households with an original maturity of over two years and remaining maturity of up to two years (outstanding amounts)4.734.744.714.684.634.84.564.544.594.574.514.484.474.434.234.354.324.434.154.274.364.324.244.965.415.475.45.145.225.214.825.085.164.894.724.544.63
Loans to corporations with an original maturity of over one & up to five years (outstanding amounts)3.843.813.843.743.723.823.743.743.743.713.653.653.643.773.83.893.994.094.044.34.34.164.294.374.34.244.324.354.284.314.224.134.144.013.943.853.52
Loans to corporations with an original maturity of over five years (outstanding amounts)2.832.832.782.82.812.882.752.82.822.792.842.812.822.92.862.952.953.032.943.023.0133.0532.992.992.962.982.932.962.852.872.822.72.662.582.5
Loans to corporations with an original maturity of over one year (outstanding amounts)3.033.022.982.982.983.052.942.972.992.9732.972.983.073.053.133.153.243.163.273.263.233.33.263.243.243.223.243.193.223.123.113.092.962.912.832.7
Loans to households with an original maturity of over one year (outstanding amounts)2.52.512.462.482.482.562.392.392.392.352.352.312.312.332.282.322.322.392.222.232.252.222.212.142.152.142.122.082.072.081.981.971.981.971.961.881.85
Loans to corporations with an original maturity of over one year and remaining maturity of up to one year (outstanding amounts)3.353.443.263.323.143.253.143.23.273.263.183.163.093.213.243.523.563.663.643.933.953.994.234.084.044.064.134.164.064.034.024.0243.963.813.653.59
Loans to households with an original maturity of over one year and remaining maturity of up to one year (outstanding amounts)4.724.844.734.584.484.574.394.44.494.684.574.574.554.524.274.54.414.574.274.44.564.445.3766.726.786.696.056.246.35.86.526.525.965.615.45.58
Loans to corporations with an original and remaining maturity of over one year, and rate reset within the next 12 months (outstanding amounts)2.72.712.72.722.72.892.762.842.922.92.993.023.123.223.23.423.343.583.513.633.693.663.783.783.743.813.83.853.753.893.743.753.73.543.53.413.32
Loans to households with an original and remaining maturity of over one year, and rate reset within the next 12 months (outstanding amounts)4.494.44.394.414.474.674.584.794.844.74.754.74.474.524.544.624.594.744.624.584.624.424.554.464.314.444.424.44.324.384.274.214.30.040.040.040.04
Loans to households for house purchase (outstanding amounts)221.991.9822.061.931.941.931.911.911.861.871.891.861.861.891.931.811.821.821.791.81.751.751.741.711.71.71.711.631.631.641.641.641.551.54
Loans to households for house purchase with an original maturity of up to one year (outstanding amounts)3.043.113.073.083.153.252.993.063.083.043.083.033.043.113.123.183.173.353.163.353.243.213.193.113.183.12.992.82.682.642.492.62.582.482.42.292.09
Loans to households for house purchase with an original maturity of over one & up to five years (outstanding amounts)2.852.842.812.822.812.822.712.722.762.732.722.682.72.722.72.762.752.82.682.722.712.682.652.562.512.462.412.342.282.292.172.182.182.112.041.941.85
Loans to households for house purchase with an original maturity of over five years (outstanding amounts)1.9921.991.971.992.061.931.931.921.91.91.861.861.881.861.861.881.921.811.811.811.781.791.741.741.731.71.691.691.711.631.631.631.631.631.551.53
Loans to households for house purchase with an original maturity of over one year (outstanding amounts)221.991.9822.061.931.931.931.911.911.861.871.891.861.861.891.931.811.821.821.781.81.751.751.741.711.691.691.711.631.631.631.641.631.551.53
Loans to households for consumption & other purposes (outstanding amounts)5.215.255.025.215.045.314.914.864.934.794.84.744.744.774.654.794.724.934.484.424.734.724.634.474.494.524.414.344.274.354.14.054.123.9943.833.77
Loans to households for consumption & other purposes with an original maturity of up to one year (outstanding amounts)4.033.994.14.064.114.354.1944.384.264.254.154.014.114.244.274.44.554.344.144.684.564.624.554.464.654.584.554.684.764.564.384.654.524.594.254.18
Loans to households for consumption & other purposes with an original maturity of over one & up to five years (outstanding amounts)7.147.166.917.086.927.516.937.167.167.037.0677.036.936.887.056.827.236.456.426.896.746.66.336.556.486.36.226.216.215.75.85.845.555.435.235.18
Loans to households for consumption & other purposes with an original maturity of over five years (outstanding amounts)4.464.534.234.474.264.343.973.813.833.693.73.653.663.763.543.693.663.793.463.423.613.693.623.473.413.463.383.313.173.243.123.023.0433.082.962.9
Loans to households for consumption & other purposes with an original maturity of over one year (outstanding amounts)5.385.445.155.375.175.455.014.9854.874.884.824.844.864.74.864.764.984.54.464.744.744.644.464.54.54.394.314.214.294.0344.043.913.923.773.71
Deposits with an agreed maturity (on outstanding amounts)2.592.572.532.542.522.592.522.542.562.552.622.592.622.672.732.82.862.982.9433.113.183.213.223.223.253.263.253.233.243.153.022.952.872.812.712.61
Deposits from corporations with an agreed maturity (on outstanding amounts)2.682.642.572.562.552.582.542.582.62.592.712.662.722.792.913.023.143.283.313.423.593.713.753.813.813.843.923.853.853.833.763.53.363.273.163.012.85
Deposits from households with an agreed maturity (on outstanding amounts)2.512.522.52.522.52.592.492.52.532.512.552.532.552.592.592.642.652.752.662.692.742.782.82.782.782.82.782.812.772.792.72.662.642.582.562.52.45
Deposits with an agreed maturity of over two years (on outstanding amounts)2.732.752.722.742.742.822.712.682.732.682.742.712.722.752.732.762.762.842.732.732.792.762.762.762.732.772.782.732.72.722.612.582.552.492.492.432.39
Deposits from corporations with an agreed maturity of over two years (on outstanding amounts)3.213.243.173.23.253.33.23.123.213.113.33.263.323.363.393.433.483.523.463.513.683.633.593.673.593.73.863.523.543.523.373.333.1132.932.842.63
Deposits from households with an agreed maturity of over two years (on outstanding amounts)2.572.592.572.592.572.672.552.542.582.542.572.542.552.572.552.582.562.652.542.532.572.542.562.532.522.542.512.542.52.532.442.422.432.382.392.352.34
Deposits with an agreed maturity of up to two years (on outstanding amounts)2.42.342.272.262.242.282.262.362.352.372.462.432.482.572.722.8633.163.23.323.483.683.723.753.793.813.843.883.863.843.83.563.443.353.253.092.94
Deposits from corporations with an agreed maturity of up to two years (on outstanding amounts)2.452.362.292.272.232.262.262.362.332.362.462.42.452.542.722.873.023.193.263.383.563.743.813.853.893.893.933.963.943.923.883.563.433.353.233.062.92
Deposits from households with an agreed maturity of up to two years (on outstanding amounts)2.292.272.232.262.272.322.272.362.382.392.472.492.552.642.732.832.943.063.053.183.283.533.543.543.563.633.633.673.653.643.593.553.463.373.293.163
Repurchase agreements (on outstanding amounts)2.262.251.92.012.11.541.932.131.882.011.611.882.012.352.252.412.612.833.033.293.163.493.863.673.993.7443.944.094.193.8843.973.923.733.673.55
Deposit rates21
Overnight deposits0.250.270.260.270.280.260.270.270.260.270.260.250.250.270.290.310.320.350.370.370.380.380.410.420.410.410.420.440.440.440.440.40.390.360.340.310.29
Overnight deposits from corporations0.480.540.50.520.540.510.520.510.50.520.50.480.490.530.560.610.620.690.730.710.740.750.820.830.790.790.820.870.860.870.880.770.750.710.670.590.57
Overnight deposits from households0.040.040.040.040.040.040.040.040.040.040.040.040.050.050.050.050.050.060.060.060.060.060.070.070.070.070.070.070.070.070.060.060.050.060.050.060.05
Deposits with an agreed maturity (new business)2.52.452.262.232.172.142.12.172.132.112.092.072.142.172.272.362.532.72.8733.083.233.473.63.653.723.823.843.833.863.94.023.983.943.863.73.64
Deposits from corporations with an agreed maturity (new business)2.522.472.252.212.172.142.092.182.132.132.112.082.162.182.32.392.572.762.953.073.173.313.573.73.753.813.933.933.913.953.994.094.074.023.953.753.69
Deposits from households with an agreed maturity (new business)2.462.382.32.32.182.152.132.092.092.032.012.032.082.122.152.242.342.472.592.712.782.993.163.283.363.43.473.583.593.613.653.793.763.733.63.563.5
Deposits with an agreed maturity of up to one year (new business)2.462.412.222.172.122.092.062.132.092.072.062.042.092.122.252.342.522.72.893.023.113.253.513.623.683.753.853.893.883.93.954.013.983.963.883.73.63
Deposits from corporations with an agreed maturity of up to one year (new business)2.482.442.222.172.132.112.062.152.12.12.082.062.122.142.282.372.562.752.953.083.183.323.583.713.763.823.933.953.923.954.014.074.044.013.933.743.66
Deposits from households with an agreed maturity of up to one year (new business)2.382.282.222.182.062.022.012.022.031.951.91.931.972.032.092.22.322.462.622.722.813.033.223.323.413.453.543.73.713.713.763.793.783.783.663.573.51
Deposits with an agreed maturity of over one & up to two years (new business)2.962.912.82.752.532.472.442.442.442.442.542.542.492.542.532.542.62.632.642.612.893.093.233.393.413.543.783.623.623.843.784.044.114.023.783.783.86
Deposits from corporations with an agreed maturity of over one & up to two years (new business)32.932.832.722.492.452.422.492.452.442.52.482.392.482.532.532.62.582.62.62.883.093.243.393.393.483.863.663.653.933.864.184.264.154.013.853.91
Deposits from households with an agreed maturity of over one & up to two years (new business)2.862.842.742.82.582.512.472.372.422.452.612.62.612.632.542.562.62.72.72.652.923.13.233.383.433.613.63.573.63.73.693.773.83.743.453.693.76
Deposits with an agreed maturity of over two years (new business)2.912.782.742.772.642.572.562.562.492.52.452.372.522.562.582.642.632.732.542.772.722.912.93.053.223.423.423.293.433.553.574.063.913.793.763.643.61
Deposits from corporations with an agreed maturity of over two years (new business)3.092.92.972.972.822.692.732.692.72.682.632.442.72.712.792.812.943.052.842.952.93.113.113.333.583.743.863.663.883.983.884.254.184.074.043.863.86
Deposits from households with an agreed maturity of over two years (new business)2.732.682.572.612.52.482.452.392.32.282.272.292.322.382.362.392.362.432.42.652.632.792.812.962.993.113.073.063.153.343.373.823.693.563.443.513.3
Deposits with an agreed maturity of over one year (new business)2.922.822.762.772.612.542.532.532.472.492.492.432.512.552.562.612.622.72.572.722.772.9633.173.273.453.553.393.473.643.634.063.983.883.773.693.71
Deposits from corporations with an agreed maturity of over one year (new business)3.062.912.912.892.722.612.622.632.592.62.572.452.592.622.692.742.82.912.742.792.893.13.163.363.53.673.863.663.813.963.874.224.224.14.033.853.88
Deposits from households with an agreed maturity of over one year (new business)2.762.712.62.652.522.482.462.392.332.322.382.42.422.462.42.422.432.492.452.652.682.852.893.063.093.233.23.173.243.423.453.83.723.613.443.563.47
Deposits redeemable at notice1.41.41.391.41.391.41.551.551.541.551.551.552.082.082.082.12.12.112.562.572.562.552.552.552.552.552.542.542.532.532.512.492.462.432.412.382.37
Deposits redeemable at notice of up to three months1.41.41.391.41.391.41.551.551.541.551.551.552.082.082.082.12.12.112.562.572.562.552.552.552.552.552.542.542.532.532.512.492.462.432.412.382.37
Repurchase agreements (new business)2.262.251.92.012.11.531.932.131.882.011.611.882.012.352.252.412.612.833.033.293.163.493.863.673.993.7443.944.094.193.8843.973.923.733.673.55
New loan volumes20
Loans to corporations of up to EUR 1M (new business)12,54412,2209,18711,34911,6869,91510,28013,4409,67711,62510,1877,24612,33010,7569,06910,68710,8169,3389,73712,0749,00510,7418,8777,15412,11310,0028,5769,8099,4709,0359,06811,4399,3369,8218,9837,44710,370
Loans to corporations of over EUR 1M (new business)37,52528,42320,21625,44529,85418,05320,88439,12020,97222,37625,18114,70433,93726,36018,68121,78924,61221,23820,20236,29219,80522,78821,75115,15033,61225,79223,41721,40920,21317,31218,20929,47818,21721,44924,54014,39228,366
Loans to corporations of up to EUR 0.25M (new business)6,5656,6624,9636,1446,4365,6055,4236,9505,2376,2105,3783,9206,4675,8024,9695,8575,9245,2095,4776,4895,1546,0014,9034,0916,4965,5914,9095,5985,4185,2995,1936,1345,2515,4814,8074,2155,535
Loans to corporations of over EUR .25M & up to EUR 1M (new business)5,9795,5584,2245,2065,2514,3104,8576,4904,4385,4154,8093,3265,8624,9534,1004,8284,8914,1284,2615,5873,8504,7403,9743,0635,6184,4113,6684,2094,0533,7363,8775,3054,0854,3394,1773,2344,834
Loans to corporations (pure new loans)47,84138,35427,84234,85539,96926,42428,44250,52728,77531,39333,71020,31043,81635,20626,07830,60633,71528,86727,93446,23727,20631,93829,03520,56743,53234,20230,99529,47428,00725,12325,43338,83926,44629,15830,38220,75436,524
Loans to corporations (renegotiations)2,2282,2891,5611,9391,5711,5442,7222,0331,8742,6081,6581,6402,4511,9101,6721,8701,7131,7092,0052,1291,6041,5911,5931,7372,1931,5929981,7441,6761,2241,8442,0781,1072,1123,1411,0852,212
Loans to households (pure new loans)21,84222,38316,89419,16619,34416,64216,27222,26317,44520,66318,92217,71623,72820,62518,24219,90718,56016,74716,14519,91715,77517,60615,69115,46821,02817,68414,32114,84313,79812,40612,86415,75514,70516,02315,18816,58918,946
Loans to households (renegotiations)2,8902,9302,4862,7963,0192,7542,6023,1582,9423,1962,8702,5863,2392,9202,7713,2003,0972,7572,7152,8412,5842,8812,4402,3232,9552,6382,4732,8762,7682,9702,9342,9322,9083,0642,5912,5982,930
Loans to households for consumption (new business)6,4546,6145,0846,2976,6385,7165,0016,2795,6526,7416,0214,5136,7916,1955,6006,1086,2865,8245,8796,0365,7886,9475,9304,6876,8946,7255,5566,2856,2496,0015,7435,9056,0826,6005,7725,0906,053
Loans to households for consumption (pure new loans)5,9066,0574,6025,7065,9935,1514,5045,7295,1236,1175,4364,0536,1355,6065,0475,4525,6455,2565,3445,5025,2456,3005,4194,2326,3086,1395,0705,6935,6545,4235,2235,4155,5706,0245,3134,6535,543
Loans to households for consumption (renegotiations)548557482591645565497550529624585460656589553656641568535534543647511455586586486592595578520490512576459437510
Loans to households for house purchase (new business)17,60917,98813,76514,94615,00713,14113,29018,27914,19016,45615,17015,36419,41716,73414,82516,35014,71913,04912,35715,93312,05912,91711,72812,68416,46913,04410,75510,8539,7888,8399,51812,03410,98411,92411,47113,59615,196
Loans to households for house purchase (pure new loans)15,29815,65311,78412,76712,66210,97411,21015,71411,80213,90812,90513,25416,86314,42812,62313,82712,28210,87810,19513,66310,04410,7069,81410,83214,13011,0098,7868,6037,6426,4847,1209,6248,6109,4539,35511,45112,792
Loans to households for house purchase (renegotiations)2,3112,3351,9812,1792,3452,1672,0802,5652,3882,5482,2652,1102,5542,3062,2022,5232,4372,1712,1622,2702,0152,2111,9141,8522,3392,0351,9692,2502,1462,3552,3982,4102,3742,4712,1162,1452,404
Loans to households for other purposes (new business)669711531719718539583863545662601425759616588649652631624789512623473420620553483581529536537748547563536501627
Loans to households for other purposes (pure new loans)638673508693689517558820520638581409730591572628633613606752486600458404590536465547502499521716525546520485611
Loans to households for other purposes (renegotiations)31382326292225432524201629251621191818372623151630171834273716322217161616
Loans to sole proprietors & unincorporated partnerships (new business)465529395544522449491638426536416328540471439499515458498595404498380333480447393454444432450545440453402342437
Deposits from corporations with an agreed maturity (new business)70,29369,50652,47368,75960,81858,65267,92675,51358,09863,76367,98149,38358,54764,18661,96569,37269,69057,57967,55071,06351,35159,56556,40442,83253,95658,36255,65955,49354,83553,27861,22773,82356,04260,69158,97141,71654,909
Deposits from households with an agreed maturity (new business)18,58017,22213,32716,04215,83714,80316,91616,37813,08615,31614,83411,28417,15415,79214,48216,15917,26815,73118,25117,57914,80819,65917,26414,56919,86217,49816,93018,92518,69620,05722,97623,21521,29621,59819,03415,83817,404
Regulated savings and deposit rates6
Interest rates on regulated savings products10
Outstanding savings deposits3
Average interest rates on bank deposits of households (seasonally adjusted)4
Bank deposits of resident households in euro4
Average interest rates on bank deposits of non-financial corporations (seasonally adjusted)4
Bank deposits of resident non-financial corporations in euro4

Latest reading

The latest reading is 3.8 % per annum, for Jul 2026. That is +0.1 pp from Jun 2026 and +0.2 pp from a year earlier. The series on this page is monthly and runs from Jan 2003 to Jul 2026. Source: ECB Data Portal – MFI interest rate statistics (MIR), reported by Banque de France.

Latest
3.8 % per annum
Jul 2026
vs previous period
+0.1 pp
Jun 2026
vs a year earlier
+0.2 pp

About this data

France bank lending rates and deposit rates are published monthly by the Banque de France. This table covers interest rates on new and outstanding loans to households and businesses, alongside deposit rates and regulated savings flows since 1966. It includes annual percentage rates of charge (APRC) for house purchases, consumption loans, and corporate lending. Data are sourced from the ECB Data Portal and are expressed in percent per annum and euro amounts.

Frequently asked questions

What do France bank lending rates measure?
France bank lending rates measure the average interest rates charged by monetary financial institutions on new and outstanding loans to households and corporations.
How often are France bank lending and deposit rates published?
The Banque de France and the European Central Bank publish these interest rates and loan volumes on a monthly basis.
Which types of loans are covered in the France interest rates table?
The table covers household loans for house purchases and consumption, corporate loans of various sizes and maturities, and outstanding loan balances since 1966.
What are the regulated savings rates included for France?
The table includes rates and net monthly flows for regulated savings accounts in France, such as the Livret A, LDDS, and Popular Savings Account (LEP).
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