France mortgage share in resident credit
France mortgage share in resident credit stood at 36.24% in Aug 2026, according to ECB Data Portal – Risk assessment indicators (RAI), France. It is one of the indicators in the Banking risk indicators table (Value · Monthly), with a complete series running from Sep 1997 to Aug 2026. The complete series with an interactive chart, free to download.
This indicator in the Banking risk indicators table
| Indicator | 08-2026 | 07-2026 | 06-2026 | 05-2026 | 04-2026 | 03-2026 | 02-2026 | 01-2026 | 12-2025 | 11-2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Credit growth and structure | |||||||||||
| Share of loans for house purchase in total credit to residents | 36.24 | 36.11 | 36.16 | 36.16 | 36.15 | 36.39 | 36.55 | 36.49 | 36.62 | 36.51 | |
| Share of credit to general government in bank total assets | 4.35 | 4.37 | 4.37 | 4.45 | 4.45 | 4.45 | 4.43 | 4.5 | 4.53 | 4.53 |
Understanding france mortgage share in resident credit
The indicator calculates the share of residential mortgage lending relative to total credit extended by resident banking institutions to domestic non-financial sectors. It measures the relative weight of housing finance within the aggregate domestic loan portfolio, capturing the concentration of real estate debt on balance sheets. Excluded from the numerator are consumer credit lines, corporate term loans, and government debt holdings, while the denominator encompasses all resident sector credit. Unlike flow-based indicators, this ratio reflects the cumulative stock of mortgage obligations alongside the broader evolution of domestic credit creation.
Because this is a stock-based structural ratio, it exhibits slow movement over time, making sequential monthly evaluations more useful for spotting gradual trend shifts than volatile short-term comparisons. Revisions to early estimates usually stem from balance sheet reclassifications or statistical adjustments to total credit aggregates rather than sudden loan flows. Analysts should avoid comparing this resident-focused share with cross-border lending metrics, as foreign exposures alter the overall balance sheet denominator significantly.
Frequently asked questions
- What is included in the total credit denominator of this ratio?
- The denominator aggregates all outstanding loans extended by resident banks to domestic households, non-financial corporations, and general government entities.
- Why does this mortgage share move slowly month-to-month?
- As a stock ratio representing large accumulated balances, new monthly mortgage lending changes the total aggregate only marginally.
- Does this indicator include commercial real estate loans?
- No, the mortgage component is restricted strictly to loans for house purchase by households, excluding commercial property development.