Germany new other loans to households, fixed over 5 years
Germany new other loans to households, fixed over 5 years stood at 1,396 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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Loans to households for other purposes | |||||||||||
| Loans for other purposes to households with an initial rate fixation of over 5 years, SUD222 | 1,396 | 1,959 | 1,912 | 1,334 | 1,654 | 2,253 | 1,834 | 1,765 | 2,658 | 1,904 | |
| Loans for other purposes to sole proprietors and unincorporated partnerships with an initial rate fixation of over 5 years, SUD235 | 978 | 1,357 | 1,369 | 985 | 1,216 | 1,700 | 1,398 | 1,322 | 2,075 | 1,462 |
Understanding germany new other loans to households, fixed over 5 years
Household credit for alternative purposes featuring a fixed cost of capital extending beyond five years comprises the entirety of this metric. The series aggregates the total monetary value of freshly originated credit to individuals for alternative purposes where the interest rate is locked for a duration exceeding half a decade. This isolates prolonged financial commitments, such as major debt restructuring or specific long-horizon investments, separating them from both short-term flexible credit and dedicated residential mortgages.
Evaluating the month-on-month variation provides a window into the appetite for long-term rate security among private borrowers undertaking non-standard financial obligations. Because the non-specific category encompasses a heterogeneous mix of loan types, the aggregate flow can exhibit irregular spikes that do not align with standard retail seasonality. It is necessary to avoid direct comparisons between this flow of new agreements and the accumulated balance of historical long-term household debt. The reporting institutions frequently issue minor retrospective corrections as the precise categorization of lengthy, complex loan structures is finalized.
Frequently asked questions
- Does this category capture long-term student loans?
- Provided the loans are classified as being for private households and fall outside standard consumption or housing, long-term educational financing can be captured here.
- Are loans with variable rates after an initial fixed period included?
- The classification depends entirely on the length of the initial fixed period; if the first locked phase exceeds five years, it is included.
- Is consumer credit for buying cars part of this total?
- Routine borrowing for vehicles is generally separated into standard consumer credit, leaving this series for less conventional long-term private financing.