France consumer credit loans: fixation over five years
France consumer credit loans: fixation over five years stood at 5.58% in Aug 2026, according to ECB Data Portal – MFI interest rate statistics (MIR), reported by Banque de France. It is one of the indicators in the Bank interest rates and new loans table (Value · Monthly), with a complete series running from Jan 2000 to Aug 2026. The complete series with an interactive chart, free to download.
This indicator in the Bank interest rates and new loans table
| Indicator | 08-2026 | 07-2026 | 06-2026 | 05-2026 | 04-2026 | 03-2026 | 02-2026 | 01-2026 | 12-2025 | 11-2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Consumer credit | |||||||||||
| Loans to households for consumption with an interest rate fixation period of over five years (new business) | 5.58 | 5.65 | 6.01 | 6.19 | 6.1 | 6.12 | 6.2 | 6.17 | 5.73 | 6 | |
| Loans to households for consumption with an interest rate fixation period of over one year (new business) | 5.77 | 5.82 | 6.11 | 6.3 | 6.18 | 6.15 | 6.22 | 6.24 | 5.92 | 5.99 |
Understanding france consumer credit loans: fixation over five years
Evaluating extended-duration consumer credit, this series measures newly agreed personal loans featuring an interest rate fixation period exceeding five years. The coverage is restricted to retail financing agreements where the borrowing cost remains fixed for a prolonged horizon, providing maximum protection against future interest rate increases for households. Excluded from this measure are short-term loans, medium-fixation credit contracts, and corporate debt instruments. This long fixation category highlights the pricing terms associated with substantial personal credit commitments requiring extended repayment schedules.
Analyzing this dataset requires recognizing that extended fixation rates reflect lender expectations regarding macroeconomic stability and long-term sovereign yields over an extended horizon. Analysts often compare these figures against shorter-term consumer credit rates to evaluate term premiums demanded by banking institutions for locking up funds for over half a decade. Monthly data points can be influenced by the specific volume and risk profile of rare, long-duration consumer contracts signed during the reference period. Consequently, smoothing the series or examining annual trends is recommended to capture true structural shifts in long-term consumer borrowing costs.
Frequently asked questions
- What constitutes the qualifying fixation threshold for this loan category?
- The interest rate must be locked for a period exceeding five years from the inception of the loan agreement.
- How do lenders determine the pricing for these extended-fixation consumer loans?
- Pricing incorporates long-term market funding costs, term risk premiums, and the specific credit risk profile of the borrowing household.
- Why are month-to-month changes in this series sometimes less informative?
- Extended-duration consumer loans occur less frequently than short-term credit, which can introduce sample volatility into monthly readings.