Germany new secured housing loans, floating/fixed ≤1 year
Germany new secured housing loans, floating/fixed ≤1 year stood at 940 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, floating rate or initial rate fixation up to 1 year, SUD258 | 940 | 937 | 940 | 913 | 980 | 1,055 | 891 | 964 | 993 | 916 | |
| 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 |
Understanding germany new secured housing loans, floating/fixed ≤1 year
Residential credit backed by physical assets and subject to immediate or near-term rate adjustments makes up the entirety of this measurement. The series totals the value of newly originated mortgages to private individuals that are guaranteed by property or other tangible collateral, where the interest applied is either completely variable or fixed for a maximum of a single year. By enforcing a strict collateral requirement, it isolates fully backed lending from unsecured personal borrowing, while the short duration of the rate fixation separates it from mortgages offering medium or long-term cost stability.
Comparing volumes between consecutive months highlights sudden shifts towards or away from floating-rate exposure, often reacting to immediate monetary announcements. Analysts must strip out the inherent seasonal volatility of the residential property market to avoid misinterpreting a standard winter slowdown as a structural decline in credit appetite. Cross-referencing this against unsecured lending requires accounting for the stricter underwriting standards applied to guaranteed facilities. Retrospective adjustments to the data are common when banks reclassify the exact initial fixation period upon finalizing the mortgage deed.
Frequently asked questions
- What types of guarantees qualify as collateral?
- This typically involves a formal charge against the residential property being purchased, but can also include other accepted financial guarantees provided by the borrower.
- Are bridging loans for house purchases included?
- Bridging facilities usually fall into this category if they are secured and feature a floating rate or a term under a single year.
- Is the value of the underlying property recorded here?
- The series tracks the monetary volume of the credit extended, not the valuation or purchase price of the housing asset securing it.