Germany outstanding housing loans, maturity over 5 years
Germany outstanding housing loans, maturity over 5 years stood at 1,643,114 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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Outstanding amounts | |||||||||||
| Housing loans to households with maturity of over 5 years, SUD028 | 1,643,114 | 1,639,738 | 1,634,861 | 1,632,625 | 1,628,354 | 1,624,850 | 1,622,598 | 1,619,596 | 1,619,519 | 1,617,353 | |
| Loans for consumption and other purposes to households with a maturity of up to 1 year, SUD029 | 49,118 | 48,738 | 50,216 | 48,415 | 48,303 | 49,035 | 47,301 | 47,344 | 49,302 | 46,956 |
Understanding germany outstanding housing loans, maturity over 5 years
Residential financing extended to private citizens with original repayment schedules stretching beyond a sixty-month horizon forms the bulk of the domestic mortgage market. This classification documents the accumulated principal of traditional, long-amortisation property debt, stripping out any short-duration bridge loans or medium-term property commitments. The amounts represent the remaining balances owed rather than the initial borrowing sizes, covering standard lifelong dwelling purchases, major structural renovations, and long-term land acquisition contracts. Unlike metrics tracking fresh loan origination, these figures present the historical accumulation of long-duration housing liabilities still resting on retail bank balance sheets.
Evaluating shifts in this massive debt pool is best done through year-on-year analysis, neutralizing the seasonal variations in property transaction volumes that concentrate during spring and summer months. Month-to-month contrasts are generally inappropriate for such long-duration portfolios, as the immense denominator of existing debt obscures marginal changes from monthly new business or standard amortisation. Users should remain alert to periodic methodological updates regarding the treatment of securitised mortgages, which can introduce artificial breaks if previously off-balance-sheet loans are reabsorbed. Comparing this aggregate to short-term interest rate movements often proves futile, given that the underlying liabilities predominantly feature rates fixed for extended durations at inception.
Frequently asked questions
- Are the interest charges accumulated over the life of the mortgage included in the total?
- The figures represent solely the outstanding principal balance and exclude any future interest payments the borrower is scheduled to make.
- Do refinancing agreements reset a loan into this maturity category?
- A completely new contract replacing an older debt will be classified according to the fresh agreed maturity, potentially shifting the balance between duration bands.
- Are government-subsidised housing loans for retail borrowers present in this data?
- Subsidised residential credit is fully integrated into the aggregate provided the funds are channelled through traditional retail banking institutions to individual households.