France house purchase loans: fixation over one year
France house purchase loans: fixation over one year stood at 3.18% 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 2003 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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| House purchase | |||||||||||
| Loans to households for house purchase with an interest rate fixation period of over one year (new business) | 3.18 | 3.16 | 3.14 | 3.08 | 3.09 | 3.08 | 3.08 | 3.03 | 2.97 | 2.98 | |
| Loans to households for house purchase with an interest rate fixation period of over five & up to ten years (new business) | 2.36 | 2.36 | 2.32 | 2.32 | 2.39 | 2.36 | 2.35 | 2.29 | 2.32 | 2.28 |
Understanding france house purchase loans: fixation over one year
This indicator measures the interest percentage applied to newly agreed residential property credit agreements with an initial interest rate fixation period extending beyond twelve months. The scope aggregates all medium and long-term fixed-rate contracts, capturing any financing arrangement where the interest rate remains locked for more than one year from inception. This broad category encompasses multiple sub-durations, distinguishing extended rate protection loans from short-term variable or adjustable credit lines.
Interpreting this series requires focusing on month-on-month trends to understand how banks price long-term risk commitments, without needing calendar adjustments since housing credit flows lack predictable seasonal regularity. Researchers should avoid comparing this aggregate over-one-year category directly with narrow sub-bands or variable-rate series, as blending diverse fixation horizons can obscure shifts in specific maturity segments. Initial estimates are generally stable, with revisions occurring only when reporting institutions correct historical classification errors.
Frequently asked questions
- What loan structures are grouped under this over-one-year fixation definition?
- Any newly agreed residential property loan where the initial interest rate is fixed for a period exceeding twelve months is included.
- Why should analysts exercise caution when reviewing this aggregate measure?
- Because it lumps together various medium and long-term durations, potentially masking underlying shifts occurring within specific sub-fixation bands.
- Are seasonal patterns present in this long-fixation lending series?
- No, monthly originations of fixed-rate housing loans do not exhibit systematic seasonal regularity requiring statistical adjustment.