France consumer credit loans with collateral: households
France consumer credit loans with collateral: households stood at 4.45% 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 Jun 2010 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 collateral (new business) | 4.45 | 4.67 | 5.21 | 5.12 | 5.38 | 5.1 | 5.35 | 5 | 4.9 | 4.82 | |
| Loans to households for consumption with collateral with a variable rate and an interest rate fixation period of up to one year (new business) | 4.09 | 3.63 | 3.74 | 2.67 | 3.8 | 3.38 | 3.58 | 3.55 | 3.11 | 3.39 |
Understanding france consumer credit loans with collateral: households
Tracking consumer credit secured by tangible assets, this metric measures newly agreed personal loans backed by collateral provided by the household. The scope covers financing contracts where the lender holds a legal claim against specific pledged assets, such as financial instruments or physical property, in the event of default. Excluded are unsecured personal loans, credit card debt, and corporate lending facilities. This collateralized distinction is critical because pledged assets typically reduce credit risk for the financial institution, resulting in different pricing structures compared to unsecured consumer borrowing.
Reading these figures requires accounting for the quality and type of collateral underlying the credit agreements, as risk differentials directly influence the applied interest rate. Analysts examine this series to understand lending standards and risk assessment practices within the retail banking sector. Monthly data can exhibit sensitivity to changes in collateral valuation guidelines or shifts in the types of assets pledged by borrowers. When evaluating trends, comparing collateralized consumer rates with unsecured equivalents illustrates the risk premium demanded by lenders for unbacked personal credit.
Frequently asked questions
- What distinguishes this consumer credit series from standard unsecured loans?
- Borrowers must pledge specific tangible or financial assets as collateral, providing the lender with security against default.
- How does collateral impact the pricing of these consumer loans?
- Pledged collateral generally reduces credit risk for the institution, which can lead to more favorable interest rates compared to unsecured debt.
- What types of assets are typically pledged for these secured credit agreements?
- Collateral can include financial securities, savings accounts, or other valuable property accepted by the lending institution.