France corporate loans over one million: one to five years
France corporate loans over one million: one to five years stood at 4.13% 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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| All loans | |||||||||||
| Loans to corporations of over EUR 1M with an interest rate fixation period of over one & up to five years (new business) | 4.13 | 4.01 | 3.73 | 3.82 | 3.46 | 3.52 | 3.57 | 3.64 | 3.4 | 3.37 | |
| Loans to corporations with an interest rate fixation period of over one & up to five years (new business) | 4.31 | 4.2 | 4.12 | 4.14 | 3.97 | 4.03 | 4.06 | 4.05 | 3.94 | 3.95 |
Understanding france corporate loans over one million: one to five years
Documenting financing terms for large corporate borrowers, this indicator tracks credit agreements exceeding the lower monetary threshold where the interest rate fixation period extends from over one year up to five years. It measures substantial medium-term business loans designed to fund major corporate investments with locked-in interest servicing costs. Smaller business loans and variable-rate facilities with rapid reset intervals are excluded from this table row.
When reviewing these medium-term large corporate rates, analysts should note that multi-year bank lending competes directly with corporate bond issuances, tying bank pricing to broader capital market expectations. Monthly observations can experience lumpiness due to the episodic nature of large industrial financing deals. Comparing this metric against short-term large corporate borrowing costs reveals the term premium demanded by financial institutions for multi-year credit exposure.
Frequently asked questions
- What scale of commercial borrowing is analyzed in this medium-term series?
- It focuses on large corporate credit facilities exceeding the specified high principal threshold.
- What is the specific interest rate fixation duration for these loans?
- The agreed interest rate remains fixed for a period ranging from over one year up to five years.
- How do capital market conditions influence this large corporate loan category?
- Major firms often compare multi-year bank loans with corporate bond markets, influencing bank pricing strategies.