German household loans over 1 year, 12-month rate reset
German household loans over 1 year, 12-month rate reset stood at 126,093 Mio EUR in Aug 2026, according to Deutsche Bundesbank. It is one of the indicators in the Bank lending and deposit volumes 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 lending and deposit volumes table
| Indicator | 08-2026 | 07-2026 | 06-2026 | 05-2026 | 04-2026 | 03-2026 | 02-2026 | 01-2026 | 12-2025 | 11-2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Outstanding amounts | |||||||||||
| Loans to households with original maturity over 1 year, residual maturity over 1 year, interest rate reset in the next 12 months, SUD037 | 126,093 | 125,170 | 125,143 | 119,326 | 122,488 | 122,723 | 118,279 | 121,118 | 121,501 | 116,844 | |
| Housing loans to households with maturity of up to 1 year, SUD026 | 3,485 | 3,486 | 3,300 | 3,384 | 3,439 | 3,567 | 3,403 | 3,399 | 3,356 | 3,415 |
Understanding german household loans over 1 year, 12-month rate reset
Structural private debt approaching a near-term interest rate modification captures the segment of household leverage most vulnerable to immediate shifts in lending conditions. The aggregate tracks credit extended to consumers that originally surpassed a twelve-month lifespan and retains a residual maturity over one year, yet features a contractual rate reset scheduled within the upcoming twelve months. This precise filter isolates mortgages and extended installment loans exiting their fixed-rate periods, explicitly omitting perpetual floating-rate products and loans locked for longer horizons. The metric essentially quantifies the pipeline of private borrowers preparing to transition to updated financing terms. Outstanding balances are reported in Mio EUR.
Analyzing this specific repricing cohort provides a direct preview of impending pressure on household finances, rendering point-in-time structural analysis more revealing than seasonal trends. Month-on-month variations are heavily dictated by the legacy distribution of mortgage origination vintages rather than current consumer sentiment. Backdated corrections occasionally materialize when financial institutions update their reporting taxonomy following internal audits of rate fixation documentation. Significant volume drops frequently indicate widespread early refinancing activity, as households proactively lock in new terms before their scheduled reset dates arrive. Analysts monitor this stock to anticipate sudden shocks to aggregate consumer discretionary spending power.
Frequently asked questions
- What represents the core component of this specific aggregate?
- Residential mortgages nearing the final twelve months of their initial fixed interest rate periods dominate this specific metric.
- Are immediate variable-rate mortgages captured in these figures?
- No, products that fluctuate continuously with central bank rates are excluded to focus solely on agreements crossing a distinct reset threshold.
- How do consumer refinancing actions impact this data?
- When a borrower successfully renegotiates their rate early, the entire principal balance is instantly removed from this specific twelve-month exposure window.