France house purchase loans up to one year: outstanding
France house purchase loans up to one year: outstanding stood at 3.01% 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 up to one year (outstanding amounts) | 3.01 | 3.04 | 3.11 | 3.07 | 3.08 | 3.15 | 3.25 | 2.99 | 3.06 | 3.08 | |
| Loans to households for house purchase with an original maturity of over one & up to five years (outstanding amounts) | 2.83 | 2.85 | 2.84 | 2.81 | 2.82 | 2.81 | 2.82 | 2.71 | 2.72 | 2.76 |
Understanding france house purchase loans up to one year: outstanding
Weighted-average borrowing costs associated with the stock of residential property loans extended to households structured with an original and remaining repayment horizon restricted to twelve months or fewer. This niche category captures short-term bridging loans or interim financing secured against real estate assets pending longer-term funding arrangements. Excluded from this measure are standard multi-year mortgages and unsecured consumer cash advances.
Users should interpret this series with caution due to potential volatility stemming from small aggregate volumes relative to broader mortgage categories. Data revisions can occur if short-term bridging arrangements are unexpectedly converted into conventional long-term residential loans. Comparing this metric with standard long-term housing finance rates is discouraged, as bridging facilities carry distinct pricing structures reflecting their temporary nature.
Frequently asked questions
- What is the primary purpose of loans captured in this category?
- These instruments typically serve as temporary bridging finance while borrowers await funds from property sales or permanent mortgages.
- Why can this series exhibit greater monthly volatility than standard mortgages?
- The smaller overall volume of short-term property loans makes the weighted average more sensitive to individual large transactions.
- Are construction loans included in this short-term maturity bracket?
- Only those structured strictly within a twelve-month horizon are counted here, while longer construction phases fall into extended maturity brackets.