France adjusted household loans: consumer credit
France adjusted household loans: consumer credit stood at 235,530 EUR million in Aug 2026, according to ECB Data Portal – Balance sheet items of monetary financial institutions (BSI), France. It is one of the indicators in the Bank credit outstanding table (Value · Monthly), with a complete series running from Dec 2014 to Aug 2026. The complete series with an interactive chart, free to download.
This indicator in the Bank credit outstanding table
| Indicator | 08-2026 | 07-2026 | 06-2026 | 05-2026 | 04-2026 | 03-2026 | 02-2026 | 01-2026 | 12-2025 | 11-2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Adjusted loans to households | 1,768,461 | 1,770,616 | 1,765,425 | 1,760,071 | 1,759,454 | 1,758,117 | 1,756,364 | 1,757,278 | 1,759,837 | 1,755,318 | |
| Adjusted consumer credit | 235,530 | 237,014 | 235,501 | 233,587 | 234,054 | 233,766 | 232,558 | 233,352 | 235,835 | 234,218 | |
| Adjusted loans for house purchase | 1,446,828 | 1,447,856 | 1,444,681 | 1,441,724 | 1,440,821 | 1,440,255 | 1,440,059 | 1,440,467 | 1,440,947 | 1,438,641 |
Understanding france adjusted household loans: consumer credit
This dataset captures retail financing for personal consumption, adjusted to strip out the effects of loan sales, securitisations, and portfolio transfers. It isolates unsecured and revolving consumer credit lines held by individuals, correcting for balance sheet actions that remove debt obligations from reporting institutions. Standing apart from adjusted housing loans, this series zeroes in strictly on retail borrowing tied to household spending on goods and services.
Monthly figures reflect administrative reporting updates and are subject to routine revisions. Structural adjustments occur when financial institutions package and offload consumer loan portfolios. Analysts should prioritize twelve-month growth comparisons over sequential monthly changes to interpret underlying consumer borrowing momentum accurately. Comparing this series directly with unadjusted consumer credit figures will highlight discrepancies caused by securitisation activity.
Frequently asked questions
- What does the adjustment process do to consumer credit data?
- It removes the distortion caused by banks selling or securitising consumer loan portfolios.
- How does this differ from adjusted housing loans?
- This series focuses exclusively on consumer spending credit rather than residential real estate borrowing.
- Are seasonal patterns visible in adjusted consumer credit?
- Calendar timing and reporting schedules can influence monthly readings, making annual analysis safer.