France outstanding household rate: maturity >2y, remaining up to 2y
France outstanding household rate: maturity >2y, remaining up to 2y stood at 4.72% 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 Dec 2014 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 with an original maturity of over two years and remaining maturity of up to two years (outstanding amounts) | 4.72 | 4.74 | 4.74 | 4.71 | 4.68 | 4.63 | 4.8 | 4.56 | 4.54 | 4.59 | |
| Loans to corporations with an original maturity of over one & up to five years (outstanding amounts) | 3.9 | 3.84 | 3.81 | 3.84 | 3.74 | 3.72 | 3.82 | 3.74 | 3.74 | 3.74 |
Understanding france outstanding household rate: maturity >2y, remaining up to 2y
Household debt instruments originally structured for extended repayment terms exceeding two years that now have a remaining lifespan limited to twenty-four months or less form this indicator. The series measures the weighted average interest rate on seasoned retail loans—predominantly mortgages—approaching their final settlement phase. It excludes loans with shorter original horizons and long-term debt far from maturity. This metric provides insight into the interest rate legacy of older household borrowing nearing completion.
Interpreting this indicator requires recognizing that these rates reflect historical lending conditions established years prior rather than current mortgage market pricing. Analysts evaluating household debt dynamics use this series to track the amortization tail of older consumer and mortgage portfolios. Seasonal patterns do not affect this maturing debt stock. Comparing this series with newly initiated household loans illustrates the generational shift in retail borrowing costs over time.
Frequently asked questions
- What loan characteristics define this specific household category?
- An original maturity over two years paired with a remaining maturity of up to two years.
- Does this series track new mortgages?
- No, it tracks seasoned long-term household loans nearing the end of their lifecycle.
- Why do these rates not match current mortgage market offers?
- The loans were originated under past interest rate environments that differ from current conditions.