German domestic real estate property loans, unadjusted
German domestic real estate property loans, unadjusted stood at 0 in % z.Vj. in 2025, according to Deutsche Bundesbank. It is one of the indicators in the Property market (annual) table (Value · Annual), with a complete series running from 2004 to 2025. The complete series with an interactive chart, free to download.
This indicator in the Property market (annual) table
| Indicator | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Financial Indicators | |||||||||||
| Loans to domestic borrowers entailing commercial property risk by economic sector, other real estate activities, unadjusted | 0 | -1.5 | 0 | 3.7 | 3.7 | 3.4 | 22.6 | 3 | -0.3 | -0.5 | |
| Loans to foreign borrowers entailing commercial property risk by economic sector, construction sector excluding civil engineering, unadjusted | 11.5 | 0.7 | 5 | -0.5 | 0.1 | -7.4 | 52.4 | 10.7 | -4.6 | -5 |
Understanding german domestic real estate property loans, unadjusted
Commercial property risk undertaken by domestic borrowers engaged in "other real estate activities" is the specific target of this financial aggregate. The series isolates credit granted to local businesses managing property portfolios, appraising real estate, or operating commercial leasing frameworks. It distinctly separates these specialised property firms from general construction companies and dedicated housing enterprises. By capturing this specific sectoral tranche, the data highlights the debt load carried by the administrative and managerial layer of the domestic commercial property market.
Navigating this unadjusted series demands a strict year-on-year comparison to neutralise the inherent volatility of corporate borrowing. Relying on period-on-period changes exposes the analysis to the severe lumpiness of commercial property transactions, which rarely follow a smooth monthly distribution. Users must avoid conflating these loans with those taken out by general service providers, as the Bundesbank strictly segregates this property-centric activity. Adjustments to the underlying classification of complex real estate holding companies can occasionally produce noticeable data revisions.
Frequently asked questions
- What types of firms fall under this category?
- The scope covers domestic enterprises focused on property management, commercial leasing, and real estate appraisal.
- Are housing associations included in this particular row?
- Housing enterprises have their own dedicated tracking, keeping this series purely focused on other property activities.
- Why avoid period-on-period comparisons?
- Commercial real estate financing is inherently sporadic, meaning unadjusted data requires year-on-year evaluation to reveal genuine cycles.