France new housing loan amounts: up to 1 year fixation
France new housing loan amounts: up to 1 year fixation stood at 5,759 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 up to 1 year, 12-month cumulative | 5,759 | 5,806 | 5,897 | 5,635 | 5,770 | 5,922 | 5,959 | 5,991 | 6,133 | 6,104 | |
| 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 |
Understanding france new housing loan amounts: up to 1 year fixation
This indicator tracks the twelve-month cumulative volume of new housing loans extended to resident households where the initial contractual interest rate remains fixed for a period of up to one year, or features a variable rate. It captures short-term fixation arrangements and floating-rate mortgages, distinguishing them from long-term fixed-rate products. By aggregating twelve months of lending, the series provides a smoothed annual perspective on how much domestic residential credit is exposed to near-term interest rate adjustments. It excludes loans with multi-year initial rate locks, isolating financing where borrowers face rapid exposure to benchmark rate movements.
Reading this cumulative total requires recognizing that it combines twelve months of data, which delays the visual impact of sudden monetary policy shifts on the chart. Analysts should avoid treating this as a monthly flow; instead, it serves as a persistent annual gauge of short-term rate sensitivity in the housing market. Comparing these volumes with long-term fixation series highlights borrower preferences regarding interest rate risk across different economic cycles.
Frequently asked questions
- What does an initial rate fixation of up to one year imply for borrowers?
- Borrowers face rapid exposure to benchmark interest rate changes as their mortgage rates reset within a year or float continuously.
- Is this series presented as a monthly figure or an annual total?
- It represents a twelve-month cumulative sum, aggregating lending activity over a full year to smooth out volatility.
- Does this series include non-resident borrowers?
- No, coverage is strictly limited to resident households within the domestic economy.