France house purchase loans over five years: outstanding
France house purchase loans over five years: outstanding stood at 1.98% 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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Rates on outstanding loans | |||||||||||
| Loans to households for house purchase with an original maturity of over five years (outstanding amounts) | 1.98 | 1.99 | 2 | 1.99 | 1.97 | 1.99 | 2.06 | 1.93 | 1.93 | 1.92 | |
| Loans to households for house purchase with an original maturity of over one year (outstanding amounts) | 1.99 | 2 | 2 | 1.99 | 1.98 | 2 | 2.06 | 1.93 | 1.93 | 1.93 |
Understanding france house purchase loans over five years: outstanding
Weighted-average annual percentage rates applied to the cumulative volume of active residential property loans characterized by an original repayment schedule exceeding sixty months. This measure dominates the retail credit landscape, representing standard long-term housing debt held by individual borrowers across the national banking system. Excluded from this aggregate are short-term property bridging loans and all non-housing consumer credit lines.
Interpreting this long-duration series requires understanding that portfolio shifts happen over extended periods, meaning current monetary policy tightening takes years to fully reflect in the aggregate rate. Revisions are generally negligible barring retrospective reporting corrections from major retail lenders. Analysts comparing this measure with corporate long-term borrowing costs should remember that residential real estate collateral provides distinct risk weighting for lending institutions.
Frequently asked questions
- Does this series represent the majority of household housing debt?
- Yes, long-term mortgages constitute the largest share of total residential property borrowing by households.
- Why does this series react slowly to central bank interest rate changes?
- The massive stock of existing fixed-rate long-term loans absorbs policy changes gradually as old contracts expire and new ones originate.
- Are buy-to-let property loans included in this household category?
- Residential property loans to individuals for investment or personal habitation are captured here, provided they meet the long-term threshold.