Germany new secured housing loans, fixed 1 to 5 years
Germany new secured housing loans, fixed 1 to 5 years stood at 743 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 Jun 2010 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 collateral and/or guarantees, initial rate fixation of over 1 and up to 5 years, SUD259 | 743 | 920 | 986 | 893 | 1,048 | 1,305 | 896 | 1,015 | 966 | 1,009 | |
| Housing loans to households with collateral and/or guarantees, initial rate fixation of over 5 and up to 10 years, SUD260 | 2,599 | 3,206 | 2,941 | 2,628 | 3,194 | 3,470 | 2,783 | 2,755 | 2,874 | 2,701 |
Understanding germany new secured housing loans, fixed 1 to 5 years
Freshly agreed residential mortgages featuring an intermediate fixed-rate window and formal guarantees constitute the volume measured by this series. The measurement aggregates the monetary volume of newly issued housing credit granted to individuals where the cost of borrowing is set for a duration exceeding one year but capped at five years, provided the facility is supported by physical or financial collateral. This specific time horizon excludes both the highly volatile floating-rate segment and the long-term predictable tranches extending beyond a half-decade.
Tracking the month-on-month variation provides insight into borrower attempts to balance immediate borrowing costs against medium-term rate risk. The underlying flow of new agreements is subject to regular seasonal patterns in homebuying, meaning raw sequential comparisons can mislead without proper adjustment. Distinguishing this flow from the accumulated stock of secured debt is necessary, as this metric exclusively monitors fresh origination. Lenders occasionally revise early submissions as complex loan structures are fully processed and the exact duration of the fixed-rate window is confirmed.
Frequently asked questions
- Does this cover loans for structural home improvements?
- Yes, secured credit extended to households for the purpose of renovating or improving residential property is included alongside purchase mortgages.
- Are unsecured personal loans for home repairs captured?
- No, the strict requirement for collateral or guarantees filters out unsecured borrowing, even if the funds are intended for residential purposes.
- How are mixed-rate mortgages classified?
- The classification is based strictly on the duration of the initial rate fixation agreed at the inception of the contract.