France household loan rate: consumption & other, outstanding
France household loan rate: consumption & other, outstanding stood at 5.14% 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 consumption & other purposes (outstanding amounts) | 5.14 | 5.21 | 5.25 | 5.02 | 5.21 | 5.04 | 5.31 | 4.91 | 4.86 | 4.93 | |
| Loans to households for consumption & other purposes with an original maturity of up to one year (outstanding amounts) | 3.98 | 4.03 | 3.99 | 4.1 | 4.06 | 4.11 | 4.35 | 4.19 | 4 | 4.38 |
Understanding france household loan rate: consumption & other, outstanding
Aggregate percentage charges levied on the entire stock of active non-housing retail debt instruments populate this statistical metric. The calculation aggregates the remuneration and borrowing costs associated with personal credit lines, overdraft facilities, revolving arrangements, and miscellaneous unsecured borrowing vehicles extended to individual clients. Residential real estate financing, corporate credit lines, and financial institution liabilities are deliberately removed to maintain a strict focus on personal consumption credit. This measure isolates the financial burden tied to private consumption debt, distinguishing itself from sibling series by grouping varied non-housing purposes into a single legacy portfolio indicator.
Evaluating this percentage requires recognizing that short-term personal debt often reprices more rapidly than long-term secured obligations, introducing higher volatility into the underlying figures. Analysts should prioritize consecutive monthly comparisons to capture prompt adjustments in unsecured retail lending conditions, keeping in mind that seasonal promotional campaigns by lenders can temporarily skew portfolio averages. Initial statistical releases undergo standard revisions when participating institutions rectify delayed returns. A common pitfall involves comparing this stock rate directly to newly negotiated consumer credit terms, as the cumulative legacy volume incorporates older, higher- or lower-rate agreements that obscure current retail lending conditions.
FAQ: Q: What types of financing are grouped under consumption and other purposes? A: The category includes personal loans, overdrafts, revolving credit, and various unsecured facilities extended to individuals. Q: Are residential mortgage costs included in this calculation? A: No, housing loans are tracked separately under distinct real estate financing classifications. Q: Why might monthly figures for unsecured debt fluctuate more than mortgage data? A: Short-term personal credit agreements feature faster turnover and variable pricing structures that react swiftly to policy adjustments.
Frequently asked questions
- What types of financing are grouped under consumption and other purposes?
- The category includes personal loans, overdrafts, revolving credit, and various unsecured facilities extended to individuals.
- Are residential mortgage costs included in this calculation?
- No, housing loans are tracked separately under distinct real estate financing classifications.
- Why might monthly figures for unsecured debt fluctuate more than mortgage data?
- Short-term personal credit agreements feature faster turnover and variable pricing structures that react swiftly to policy adjustments.