France usury rate: fixed-rate home loans 10 to 20 years
France usury rate: fixed-rate home loans 10 to 20 years stood at 4.68% in Q4 2026, according to Banque de France – Webstat (webstat.banque-france.fr). It is one of the indicators in the Usury rates table (Value · Quarterly), with a complete series running from Q1 2017 to Q4 2026. The complete series with an interactive chart, free to download.
This indicator in the Usury rates table
| Indicator | Q4-2026 | Q3-2026 | Q2-2026 | Q1-2026 | Q4-2025 | Q3-2025 | Q2-2025 | Q1-2025 | Q4-2024 | Q3-2024 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Usury thresholds (legal maximum rates) | |||||||||||
| Fixed-rate home loans to individuals, 10 to under 20 years | 4.68 | 4.57 | 4.48 | 4.59 | 4.71 | 5.03 | 5.45 | 5.8 | 6.03 | 6.13 | |
| Fixed-rate home loans to individuals, 20 years and more | 5.4 | 5.29 | 5.19 | 5.13 | 5.09 | 5.08 | 5.31 | 5.67 | 5.85 | 6.16 |
Understanding france usury rate: fixed-rate home loans 10 to 20 years
This benchmark sets the binding legal interest ceiling for standard fixed-rate residential property loans with maturity terms spanning from ten years to just under twenty years. Capturing the core segment of traditional homeownership financing, this category bridges the gap between compressed short-term mortgages and extended long-term property credit. The computed threshold applies exclusively to fixed-interest residential loans extended to individual retail borrowers, utilizing average effective rates from the prior quarterly survey to establish the maximum permissible annual percentage rate of charge. Commercial real estate financing, variable-rate agreements, and bridging loans are excluded.
Analyzing this metric demands awareness of its role as a primary barometer for mainstream residential borrowing costs, though its values lag behind immediate wholesale market shifts due to the rolling quarterly reference window. Sequential comparisons reflect formal regulatory adjustments rather than live market repricing. When contrasting this medium-duration tier against longer or shorter property loan categories, researchers must consider how shifts in yield curve slopes alter the relative pricing spreads across different maturity buckets.
Frequently asked questions
- What specific repayment window defines this mortgage bracket?
- Terms ranging from ten years to under twenty years.
- Are corporate property purchases covered by this rate?
- No, loans must be extended to individual borrowers for housing.
- How does the lag affect interpretation of this series?
- Because it relies on the previous quarter's average effective rates, it does not instantly reflect current mortgage rate fluctuations.