France outstanding mortgage rate: maturity 1 to 5 years
France outstanding mortgage rate: maturity 1 to 5 years stood at 2.83% 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 Jan 2003 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 for house purchase with an original maturity of over one & up to five years (outstanding amounts) | 2.83 | 2.85 | 2.84 | 2.81 | 2.82 | 2.81 | 2.82 | 2.71 | 2.72 | 2.76 | |
| Loans to households for house purchase with an original maturity of over five years (outstanding amounts) | 1.98 | 1.99 | 2 | 1.99 | 1.97 | 1.99 | 2.06 | 1.93 | 1.93 | 1.92 |
Understanding france outstanding mortgage rate: maturity 1 to 5 years
Average annualized interest charges levied on active residential real estate loans originally contracted for durations spanning longer than twelve months up to a maximum of sixty months. This series isolates medium-term housing debt, capturing specialized financing agreements utilized for property acquisition or substantial home renovations. Excluded from this classification are ultra-short bridging facilities and conventional multi-decade residential mortgages.
When evaluating these figures, analysts must account for the steady portfolio runoff as medium-term contracts reach maturity and exit the calculation pool. Minor historical revisions may appear when reporting banks reclassify loan tenors following debt restructuring agreements. Direct comparisons with short-term credit figures or twenty-year mortgage benchmarks are inappropriate given the distinct structural duration of these medium-term obligations.
Frequently asked questions
- What distinguishes this bracket from standard residential mortgages?
- The original maturity is restricted to a medium-term window of one to five years, whereas most standard mortgages run much longer.
- Are home improvement loans captured within this specific maturity range?
- Yes, renovation financing structured within this specific multi-year window is included alongside medium-term property purchase loans.
- How stable is this series over time?
- Because the volume in this specific maturity tier is relatively modest, average rates can experience noticeable shifts from month to month.