Germany new secured housing loans, fixed over 10 years
Germany new secured housing loans, fixed over 10 years stood at 3,320 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 10 years, SUD261 | 3,320 | 4,402 | 3,665 | 3,301 | 4,167 | 4,991 | 3,638 | 3,548 | 3,629 | 4,008 | |
| Housing loans to households, SUD231 | 17,891 | 21,675 | 19,782 | 17,219 | 21,192 | 24,167 | 18,710 | 19,014 | 19,553 | 19,614 |
Understanding germany new secured housing loans, fixed over 10 years
Extended interest rate security backed by physical collateral represents the exclusive focus of this statistical series. The compilation aggregates fresh property financing provided to private individuals where the borrowing cost is legally locked for a duration exceeding ten years and the lender holds a formal lien or guarantee. This isolates the most risk-averse segment of the residential mortgage market, clearly distinguishing it from shorter-duration agreements and any uncollateralised property advances. The metric captures the totality of the loan principal exactly when the contract is executed, completely ignoring whether the funds are released immediately or in tranches over a construction period. Only genuine new originations and fundamental contract renegotiations qualify for inclusion.
Reviewing these figures on a year-on-year basis is the standard approach for identifying structural shifts in the appetite for long-term debt, as this method filters out routine seasonal variations in property transactions. Month-on-month comparisons, while inherently more erratic, are excellent for spotting sudden rushes to lock in yields ahead of anticipated monetary policy tightening. Analysts must remember that this indicator tracks gross new volumes, making it unsuitable as a proxy for the total outstanding stock of long-term secured debt. Revisions tend to be negligible, though periodic corrections can emerge if institutions adjust their internal mapping of complex, multi-stage mortgage products.
Frequently asked questions
- Are loans fixed for exactly ten years counted in this series?
- No, only contracts where the rate is fixed for more than ten years are included here.
- Does the value reflect the purchase price of the real estate?
- No, it strictly represents the principal amount borrowed from the financial institution.
- If a borrower extends their existing mortgage with new funds, is it counted?
- Yes, the entirely new contract combining the old balance and new funds is captured as new business.