France mortgage rates and new housing loans
France mortgage rates and new housing loans are updated monthly by the Banque de France.
| Indicator | 07-2026 | 06-2026 | 05-2026 | 04-2026 | 03-2026 | 02-2026 | 01-2026 | 12-2025 | 11-2025 | 10-2025 | 09-2025 | 08-2025 | 07-2025 | 06-2025 | 05-2025 | 04-2025 | 03-2025 | 02-2025 | 01-2025 | 12-2024 | 11-2024 | 10-2024 | 09-2024 | 08-2024 | 07-2024 | 06-2024 | 05-2024 | 04-2024 | 03-2024 | 02-2024 | 01-2024 | 12-2023 | 11-2023 | 10-2023 | 09-2023 | 08-2023 | 07-2023 | |
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| New housing loans, amounts8 | ||||||||||||||||||||||||||||||||||||||
| To individuals, seasonally adjusted | 12,500 | 15,100 | 13,200 | 13,900 | 14,700 | 13,700 | 12,800 | 14,700 | 15,300 | 15,500 | 14,600 | 14,300 | 14,300 | 14,000 | 13,800 | 14,800 | 14,500 | 13,500 | 12,000 | 13,300 | 12,600 | 12,200 | 11,600 | 11,500 | 12,200 | 11,300 | 9,900 | 10,100 | 9,600 | 9,200 | 9,200 | 10,100 | 10,800 | 11,300 | 11,100 | 11,600 | 11,800 | |
| To individuals excluding renegotiations, seasonally adjusted | 11,000 | 13,200 | 11,400 | 12,000 | 12,600 | 11,600 | 10,900 | 12,700 | 12,900 | 13,200 | 12,500 | 12,500 | 12,500 | 12,200 | 11,900 | 12,600 | 12,200 | 11,300 | 10,000 | 11,600 | 10,600 | 10,200 | 9,800 | 9,900 | 10,600 | 9,700 | 8,200 | 8,200 | 7,600 | 6,900 | 7,000 | 8,100 | 8,500 | 9,000 | 9,100 | 9,800 | 10,000 | |
| Renegotiated loans to individuals, seasonally adjusted | 1,500 | 1,900 | 1,800 | 1,900 | 2,100 | 2,100 | 1,900 | 1,900 | 2,400 | 2,300 | 2,100 | 1,800 | 1,800 | 1,800 | 1,900 | 2,200 | 2,300 | 2,200 | 2,000 | 1,800 | 2,000 | 2,000 | 1,800 | 1,600 | 1,600 | 1,700 | 1,700 | 2,000 | 2,000 | 2,300 | 2,200 | 1,900 | 2,200 | 2,200 | 2,000 | 1,800 | 1,800 | |
| To households, seasonally adjusted | 13,500 | 16,400 | 14,400 | 15,000 | 16,000 | 15,000 | 14,000 | 15,900 | 16,600 | 16,500 | 15,700 | 15,600 | 15,300 | 15,200 | 15,400 | 16,400 | 15,700 | 14,900 | 13,100 | 14,400 | 13,700 | 13,000 | 12,600 | 12,400 | 13,100 | 12,300 | 10,800 | 11,000 | 10,600 | 10,100 | 10,100 | 11,100 | 11,800 | 12,300 | 12,200 | 12,600 | 12,800 | |
| To resident households, 12-month cumulative flows | 184,642 | 186,447 | 185,196 | 186,238 | 187,650 | 187,362 | 187,280 | 186,356 | 183,991 | 181,872 | 178,350 | 174,912 | 172,248 | 169,320 | 165,627 | 161,573 | 156,075 | 151,152 | 146,946 | 144,105 | 140,244 | 139,163 | 138,159 | 137,900 | 138,802 | 137,517 | 140,555 | 145,123 | 149,006 | 155,069 | 160,231 | 166,435 | 173,554 | 180,531 | 186,823 | 194,964 | 205,390 | |
| To resident households, initial rate fixation up to 1 year, 12-month cumulative | 5,805 | 5,897 | 5,635 | 5,770 | 5,922 | 5,959 | 5,991 | 6,133 | 6,104 | 6,070 | 6,135 | 6,100 | 6,129 | 6,355 | 6,382 | 6,263 | 6,117 | 6,049 | 5,930 | 5,759 | 5,530 | 5,415 | 5,246 | 5,170 | 5,221 | 4,812 | 4,787 | 4,830 | 5,075 | 5,249 | 5,454 | 5,761 | 6,168 | 6,558 | 6,953 | 7,303 | 7,580 | |
| To resident households, initial rate fixation over 1 year, 12-month cumulative | 178,837 | 180,550 | 179,561 | 180,467 | 181,728 | 181,402 | 181,289 | 180,223 | 177,886 | 175,802 | 172,214 | 168,811 | 166,119 | 162,965 | 159,245 | 155,310 | 149,957 | 145,103 | 141,016 | 138,346 | 134,714 | 133,748 | 132,913 | 132,729 | 133,581 | 132,705 | 135,769 | 140,293 | 143,931 | 149,820 | 154,777 | 160,674 | 167,387 | 173,973 | 179,869 | 187,661 | 197,810 | |
| Renegotiated housing loans to households and NPISHs (raw) | 2,311 | 2,335 | 1,981 | 2,179 | 2,345 | 2,167 | 2,080 | 2,565 | 2,388 | 2,548 | 2,265 | 2,110 | 2,554 | 2,306 | 2,202 | 2,523 | 2,437 | 2,171 | 2,162 | 2,270 | 2,015 | 2,211 | 1,914 | 1,852 | 2,339 | 2,035 | 1,969 | 2,250 | 2,146 | 2,355 | 2,398 | 2,410 | 2,374 | 2,471 | 2,116 | 2,145 | 2,404 | |
| Interest rates on new housing loans11 | ||||||||||||||||||||||||||||||||||||||
| To individuals | 3.19 | 3.17 | 3.11 | 3.12 | 3.11 | 3.11 | 3.06 | 3 | 3.01 | 2.99 | 3 | 3.02 | 3.01 | 3.01 | 3.02 | 3.01 | 3.06 | 3.11 | 3.13 | 3.15 | 3.18 | 3.28 | 3.33 | 3.38 | 3.42 | 3.45 | 3.51 | 3.51 | 3.52 | 3.54 | 3.61 | 3.63 | 3.55 | 3.45 | 3.38 | 3.33 | 3.17 | |
| To individuals excluding renegotiations | 3.3 | 3.27 | 3.21 | 3.22 | 3.22 | 3.23 | 3.17 | 3.08 | 3.1 | 3.09 | 3.09 | 3.1 | 3.09 | 3.1 | 3.11 | 3.13 | 3.2 | 3.27 | 3.32 | 3.3 | 3.38 | 3.51 | 3.56 | 3.59 | 3.64 | 3.7 | 3.83 | 3.89 | 3.94 | 4.11 | 4.17 | 4.04 | 3.99 | 3.87 | 3.73 | 3.62 | 3.43 | |
| To households | 3.18 | 3.16 | 3.1 | 3.11 | 3.09 | 3.09 | 3.05 | 2.99 | 3 | 2.98 | 2.99 | 3.01 | 3 | 3 | 3.02 | 3.02 | 3.05 | 3.01 | 3.12 | 3.14 | 3.17 | 3.27 | 3.33 | 3.37 | 3.41 | 3.43 | 3.49 | 3.49 | 3.5 | 3.51 | 3.58 | 3.6 | 3.52 | 3.43 | 3.36 | 3.31 | 3.16 | |
| To individuals, initial rate fixation up to 1 year | 3.84 | 3.77 | 3.72 | 3.78 | 3.73 | 3.69 | 3.71 | 3.66 | 3.67 | 3.54 | 3.67 | 3.73 | 3.69 | 3.69 | 3.75 | 3.79 | 3.8 | 3.8 | 3.88 | 3.86 | 3.8 | 4.06 | 3.94 | 3.9 | 4.11 | 3.91 | 4.03 | 3.97 | 4.09 | 3.92 | 3.95 | 3.8 | 3.57 | 3.74 | 3.49 | 3.95 | 3.24 | |
| To individuals, initial rate fixation over 1 year | 3.17 | 3.14 | 3.09 | 3.1 | 3.09 | 3.09 | 3.04 | 2.98 | 2.98 | 2.98 | 2.97 | 3 | 2.98 | 2.99 | 2.99 | 2.99 | 3.03 | 3.08 | 3.1 | 3.12 | 3.16 | 3.25 | 3.31 | 3.36 | 3.39 | 3.43 | 3.48 | 3.49 | 3.5 | 3.53 | 3.6 | 3.62 | 3.55 | 3.44 | 3.38 | 3.3 | 3.17 | |
| Initial rate fixation of 1 to 5 years | 3.43 | 3.4 | 3.32 | 3.31 | 3.33 | 3.31 | 3.28 | 3.26 | 3.22 | 3.24 | 3.25 | 3.3 | 3.25 | 3.21 | 3.27 | 3.37 | 3.31 | 3.41 | 3.37 | 3.4 | 3.43 | 3.48 | 3.62 | 3.59 | 3.59 | 3.67 | 3.76 | 3.69 | 3.69 | 3.72 | 3.83 | 3.79 | 3.65 | 3.64 | 3.48 | 3.35 | 3.16 | |
| Initial rate fixation of 5 to 10 years | 2.35 | 2.32 | 2.32 | 2.39 | 2.36 | 2.35 | 2.28 | 2.31 | 2.28 | 2.29 | 2.3 | 2.33 | 2.33 | 2.36 | 2.58 | 2.68 | 2.6 | 2.65 | 2.68 | 2.72 | 2.72 | 2.76 | 2.83 | 2.91 | 2.99 | 2.95 | 3.27 | 2.86 | 2.93 | 2.84 | 2.86 | 2.94 | 2.85 | 2.77 | 2.74 | 2.72 | 2.62 | |
| Initial rate fixation over 10 years | 3.19 | 3.16 | 3.11 | 3.12 | 3.1 | 3.1 | 3.06 | 3 | 3 | 2.99 | 2.99 | 3.01 | 3 | 3 | 3.01 | 3 | 3.03 | 2.98 | 3.09 | 3.12 | 3.16 | 3.25 | 3.31 | 3.36 | 3.38 | 3.43 | 3.46 | 3.49 | 3.5 | 3.52 | 3.6 | 3.62 | 3.55 | 3.44 | 3.38 | 3.31 | 3.18 | |
| Fixed-rate loans to individuals | 3.15 | 3.13 | 3.08 | 3.09 | 3.08 | 3.08 | 3.03 | 2.97 | 2.97 | 2.96 | 2.96 | 2.98 | 2.97 | 2.98 | 2.97 | 2.98 | 3.02 | 3.06 | 3.08 | 3.11 | 3.14 | 3.23 | 3.29 | 3.34 | 3.37 | 3.41 | 3.45 | 3.47 | 3.48 | 3.51 | 3.58 | 3.61 | 3.53 | 3.43 | 3.37 | 3.29 | 3.16 | |
| Variable-rate loans to individuals | 3.36 | 3.26 | 3.31 | 3.18 | 3.19 | 3.09 | 3.21 | 3.36 | 3.29 | 2.92 | 3.06 | 3.36 | 3.24 | 3.18 | 3.64 | 3.58 | 3.48 | 3.76 | 3.92 | 3.79 | 3.68 | 4.32 | 3.82 | 3.82 | 4.32 | 3.78 | 4.71 | 3.89 | 4.41 | 3.94 | 4.02 | 3.67 | 3.64 | 3.95 | 4.01 | 4.62 | 3.37 | |
| Bridging loans to individuals | 3.75 | 3.7 | 3.64 | 3.65 | 3.62 | 3.61 | 3.59 | 3.56 | 3.56 | 3.54 | 3.57 | 3.59 | 3.56 | 3.59 | 3.59 | 3.65 | 3.65 | 3.72 | 3.71 | 3.75 | 3.79 | 3.84 | 3.88 | 3.88 | 3.9 | 3.92 | 3.97 | 3.99 | 4.04 | 3.97 | 4.06 | 3.97 | 3.78 | 3.66 | 3.49 | 3.42 | 3.24 | |
| Structure of new housing loans5 | ||||||||||||||||||||||||||||||||||||||
| Share of renegotiations | 12.2 | 12.3 | 13.4 | 13.6 | 14.5 | 15.4 | 14.6 | 13.2 | 15.8 | 14.6 | 14.2 | 12.8 | 12.3 | 12.9 | 14.1 | 15 | 15.7 | 16.1 | 16.8 | 13.2 | 15.7 | 16.4 | 15.6 | 13.7 | 13.3 | 14.6 | 17.3 | 19.7 | 20.8 | 25.3 | 24 | 19 | 20.6 | 19.9 | 17.6 | 15.2 | 15 | |
| Share of fixed-rate loans | 99.4 | 99.4 | 99 | 99.5 | 99.4 | 99.4 | 99.4 | 99 | 99.2 | 99.3 | 99.4 | 99.1 | 99.6 | 99.5 | 98.8 | 99.3 | 99.5 | 98.9 | 98.6 | 98.9 | 99.2 | 98.4 | 98.9 | 99 | 97.8 | 99 | 97.9 | 98.9 | 98.4 | 99.2 | 99 | 99.3 | 99.5 | 99.2 | 98.9 | 97.7 | 99.3 | |
| Share of bridging loans | 5.6 | 5.6 | 5.4 | 5.1 | 5.4 | 5.6 | 4.9 | 4.6 | 4.8 | 5 | 5.5 | 5.7 | 5.6 | 5.8 | 5.3 | 5.2 | 5.4 | 5.5 | 5.5 | 4.8 | 5.1 | 5.7 | 5.8 | 6 | 6.1 | 6.5 | 6 | 5.8 | 5.5 | 6 | 5.9 | 5.3 | 5.3 | 6 | 6.2 | 6.1 | 6.7 | |
| Share of first-time buyers (main residence purchases) | 54.2 | 55 | 54.1 | 52.5 | 52.3 | 55.6 | 55.9 | 54.5 | 53.2 | 53.1 | 51.9 | 52.2 | 53.7 | 55.4 | 52.7 | 51.2 | 51.8 | 53.1 | 53.3 | 52.7 | 51.1 | 51.4 | 50.9 | 50.1 | 47.9 | 49.1 | 49.9 | 50.9 | 50.3 | 51.8 | 52.8 | 51.9 | 51.2 | 50.7 | 49.7 | 47.6 | ||
| Share of modest-income households among first-time buyers | 17 | 17.9 | 18.1 | 17.8 | 17.9 | 17.9 | 18.3 | 17.9 | 16.9 | 17.6 | 16.9 | 15.8 | 16.5 | 17 | 17.5 | 16.8 | 17.1 | 18.1 | 18.5 | 17.8 | 17.2 | 16.9 | 16.8 | 16.7 | 17.3 | 17.7 | 18.1 | 18.4 | 17.9 | 17.6 | 17.9 | 18.4 | 16.9 | 17.3 | 17.2 | 16.2 | ||
| Number of loans and dwelling sales (index, December 2015 = 100)3 | ||||||||||||||||||||||||||||||||||||||
| Number of housing loans excluding renegotiations (12-month total) | 112.26 | 111.65 | 111.82 | 112.06 | 112.1 | 111.68 | 111.21 | 110.62 | 109.67 | 108.14 | 106.64 | 106.02 | 104.41 | 102.33 | 101 | 98.78 | 95.88 | 94.33 | 92.73 | 90.65 | 90.6 | 90.08 | 90.24 | 90.83 | 90.87 | 93.88 | 96.44 | 98.01 | 102.02 | 104.76 | 108.37 | 114.02 | 118.37 | 122.56 | 128.46 | 133.26 | ||
| Number of housing loans to first-time buyers (12-month total) | 168.94 | 167.84 | 167.96 | 167.7 | 167.22 | 166.25 | 164.71 | 161.7 | 159.49 | 156.29 | 153.29 | 151.86 | 148.61 | 144.17 | 141.07 | 137.25 | 133.02 | 130.54 | 128 | 125.07 | 124.7 | 123.75 | 123.62 | 124.12 | 123.58 | 127.48 | 131.18 | 133.21 | 138.24 | 141.96 | 146.32 | 151.95 | 156.62 | 160.68 | 167.52 | 173.06 | ||
| Number of dwelling sales (12-month total) | 112.33 | 112 | 111.55 | 112.11 | 112.76 | 112.5 | 112.09 | 111.31 | 110.47 | 109.42 | 108.68 | 108.6 | 107.46 | 106.54 | 106.54 | 104.76 | 102.32 | 101.48 | 100 | 98.8 | 98.7 | 98.27 | 98.31 | 98.68 | 98.61 | 100.76 | 102.35 | 102.94 | 105.83 | 107.62 | 109.63 | 112.55 | 114.81 | 116.73 | 120.16 | 122.81 | ||
| Average initial duration of loans for a main residence2 | ||||||||||||||||||||||||||||||||||||||
| All borrowers | 23.3 | 23.4 | 23.3 | 23.3 | 23.3 | 23.3 | 23.3 | 23.3 | 23.2 | 23.3 | 23.2 | 23.2 | 23.2 | 23.2 | 23.1 | 23.1 | 23.1 | 23.2 | 23.2 | 23.1 | 23.1 | 23 | 22.9 | 22.9 | 22.8 | 22.8 | 22.8 | 22.9 | 22.9 | 22.9 | 23 | 23 | 23.1 | 23 | 23.1 | 23.1 | ||
| First-time buyers | 23.8 | 23.9 | 23.9 | 23.8 | 23.8 | 23.8 | 23.9 | 23.8 | 23.7 | 23.8 | 23.7 | 23.7 | 23.7 | 23.7 | 23.6 | 23.6 | 23.6 | 23.7 | 23.7 | 23.6 | 23.6 | 23.6 | 23.5 | 23.4 | 23.4 | 23.4 | 23.4 | 23.4 | 23.4 | 23.5 | 23.6 | 23.6 | 23.6 | 23.6 | 23.6 | 23.7 |
Latest reading
To individuals stood at 3.19% in Jul 2026. That is unchanged from Jun 2026 and +0.2 pp from a year earlier. The series on this page is monthly and runs from Dec 1998 to Jul 2026. Source: Banque de France – Webstat (webstat.banque-france.fr).
- Latest
- 3.19%
- Jul 2026
- vs previous period
- 0.0 pp
- Jun 2026
- vs a year earlier
- +0.2 pp
About this data
France mortgage rates and new housing loans are updated monthly by the Banque de France. This dataset tracks interest rates, cumulative flows, and outstanding amounts of loans to individuals and households since 1998. It includes breakdowns by initial rate fixation, fixed versus variable rates, bridging loans, and renegotiated loans. Additional indicators cover the share of first-time buyers, average loan duration in years, and a dwelling sales index.
Frequently asked questions
- What is the source of France mortgage rates and housing loan data?
- The data is compiled and published monthly by the Banque de France, the French central bank, using regulatory reporting from monetary financial institutions.
- How far back does the France housing loans dataset go?
- The monthly series for French housing loans, interest rates, and loan durations are available starting from 1998.
- What breakdowns are available for French mortgage rates?
- The dataset provides interest rates broken down by initial rate fixation periods, such as up to 1 year, 1 to 5 years, 5 to 10 years, and over 10 years, as well as fixed versus variable rates.
- Does this dataset include renegotiated mortgages in France?
- Yes, the table tracks both the total volume of renegotiated housing loans and the share of renegotiations in new lending to individuals and households.
