France mortgages: past credit standards (net %)
France mortgages: past credit standards (net %) stood at 12.5 Net percentage in Q3 2026, according to ECB Data Portal – Bank lending survey (BLS), France. It is one of the indicators in the Credit conditions surveys table (Value · Quarterly), with a complete series running from Q1 2003 to Q3 2026. The complete series with an interactive chart, free to download.
This indicator in the Credit conditions surveys table
| Indicator | Q3-2026 | Q2-2026 | Q1-2026 | Q4-2025 | Q3-2025 | Q2-2025 | Q1-2025 | Q4-2024 | Q3-2024 | Q2-2024 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Loans for house purchase | |||||||||||
| Credit standards, past three months (net percentage) | 12.5 | 0 | -14.29 | 0 | 0 | -25 | -12.5 | -22.22 | -33.33 | -22.22 | |
| Credit standards, next three months (net percentage) | -12.5 | 0 | -14.29 | 0 | -12.5 | 12.5 | 12.5 | -33.33 | 0 | -11.11 |
Understanding france mortgages: past credit standards (net %)
This index transforms surveyed banker responses regarding past residential mortgage credit standards into a standardized diffusion scale. It weights extreme changes in lending policy more heavily than slight adjustments, providing a nuanced summary of historical credit tightening or easing for home purchases. Corporate credit lines and unsecured retail facilities are excluded from this index, which confines its scope entirely to housing loans.
Analyzing diffusion indices requires understanding that the scale centers around a neutral midpoint representing unchanged conditions. Unlike simple net percentages, diffusion indices incorporate the magnitude of institutional policy shifts, making rapid structural tightening more visible. Readers should evaluate index levels over consecutive quarters to identify persistent credit cycle momentum rather than isolated monthly blips.
Frequently asked questions
- How does a diffusion index differ from a basic net percentage?
- A diffusion index weights strong policy changes more heavily than mild adjustments, whereas net percentages treat all responding institutions equally.
- What constitutes a neutral reading on this index?
- The midpoint value represents a balanced state where overall credit standards remained largely unchanged over the quarter.
- Does this index cover consumer credit card lending?
- No, consumer revolving credit is excluded; the index tracks mortgage standards exclusively.