Germany new housing loans, fixed over 10 years
Germany new housing loans, fixed over 10 years stood at 7,674 EUR million 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 Jan 2003 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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Housing loans to households | |||||||||||
| Housing loans to households with an initial rate fixation of over 10 years, SUD219 | 7,674 | 9,684 | 8,334 | 7,247 | 8,994 | 11,145 | 8,197 | 7,797 | 8,122 | 8,835 | |
| Housing loans to households with collateral and/or guarantees, SUD631 | 7,602 | 9,465 | 8,532 | 7,735 | 9,389 | 10,821 | 8,208 | 8,282 | 8,462 | 8,634 |
Understanding germany new housing loans, fixed over 10 years
Private mortgages featuring a locked interest rate for more than a decade are isolated within this specific flow of new credit. The metric aggregates the total volume of fresh facilities extended to individuals for property purchase, construction, or renovation where the initial cost remains locked for over ten years. It excludes agreements with shorter fixation periods and loans backed by collateral where the primary purpose is not housing. The focus is strictly on the amount of newly agreed business in the period, isolating the long-term commitments from existing legacy mortgages or renegotiated contracts.
Month-on-month assessments provide the clearest view of immediate changes in borrower preference for long-term security, especially during shifts in the broader monetary environment. Evaluating the total requires filtering out seasonal lulls in property market activity, often observed during winter and mid-summer. Caution is necessary when placing these figures alongside the total outstanding stock, as this series only captures the flow of new agreements rather than the accumulated balance of historical long-term debt. Revisions to recent reference periods can occur as lenders finalise their reporting for complex multi-tranche mortgage applications.
Frequently asked questions
- Does this include mortgages renegotiated during the period?
- Only if the renegotiation involves entirely new terms that classify it as newly agreed business, rather than a mechanical rollover of an existing contract.
- Are loans for buy-to-let properties captured here?
- Yes, provided the borrower is classified as a private household rather than a formally incorporated non-financial enterprise.
- How does this differ from the total housing loan balance?
- This tracks only the fresh capital committed during the reference month with a fixation over ten years, ignoring older mortgages that still have fixed terms running.