France new housing loan amounts: over 1 year fixation
France new housing loan amounts: over 1 year fixation stood at 178,619 EUR million in Aug 2026, according to Banque de France – Webstat (webstat.banque-france.fr). It is one of the indicators in the Housing loans: renegotiations, first-time buyers 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 Housing loans: renegotiations, first-time buyers table
| Indicator | 08-2026 | 07-2026 | 06-2026 | 05-2026 | 04-2026 | 03-2026 | 02-2026 | 01-2026 | 12-2025 | 11-2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| New housing loans, amounts | |||||||||||
| To resident households, initial rate fixation over 1 year, 12-month cumulative | 178,619 | 178,980 | 180,550 | 179,561 | 180,467 | 181,728 | 181,402 | 181,289 | 180,223 | 177,886 | |
| Renegotiated housing loans to households and NPISHs (raw) | 2,027 | 2,320 | 2,335 | 1,981 | 2,179 | 2,345 | 2,167 | 2,080 | 2,565 | 2,388 |
Understanding france new housing loan amounts: over 1 year fixation
This series measures the twelve-month cumulative volume of new housing loans granted to resident households featuring an initial rate fixation period exceeding one year. It aggregates annual lending where the agreed borrowing rate is locked for multiple years or for the entire duration of the contract, shielding borrowers from immediate benchmark rate fluctuations. By summing twelve months of activity, the metric provides a stable, smoothed measure of long-term fixed-rate credit creation within the domestic residential market. It excludes short-term adjustable or floating-rate loans, focusing entirely on extended rate security.
Interpreting this cumulative annual sum requires noting that shifts in monetary policy take an extended period to fully manifest in the rolling total due to its twelve-month construction. Observers must remember that monthly movements reflect the replacement of the oldest month in the window with the newest reporting period. Comparing this long-term fixation volume with short-term equivalents illustrates prevailing market risk management strategies adopted by domestic property buyers.
Frequently asked questions
- What distinguishes this loan volume from short-fixation series?
- This series captures mortgages with initial rate locks extending beyond one year, offering borrowers extended protection against rate hikes.
- Why is this series published as a twelve-month cumulative sum?
- The rolling annual total filters out monthly administrative noise and seasonal fluctuations to reveal broader structural lending trends.
- Does this aggregate cover commercial real estate loans?
- No, the scope is restricted to residential housing loans extended to resident households.