Housing loans in Metropolitan France
Housing loans in Metropolitan France stood at 1,506,076.34 EUR million in Jul 2026, according to Banque de France – Webstat (webstat.banque-france.fr). It is one of the indicators in the Bank credit and deposits by territory table (Value · Monthly), with a complete series running from Jun 2007 to Jul 2026. The complete series with an interactive chart, free to download.
This indicator in the Bank credit and deposits by territory table
| Indicator | 07-2026 | 06-2026 | 05-2026 | 04-2026 | 03-2026 | 02-2026 | 01-2026 | 12-2025 | 11-2025 | 10-2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Housing loans | |||||||||||
| Metropolitan France | 1,506,076.34 | 1,501,800.39 | 1,496,928.41 | 1,496,947.78 | 1,496,155.53 | 1,496,564.46 | 1,496,545.46 | 1,496,087.13 | 1,493,403.81 | 1,493,384.52 | |
| Île-de-France | 376,029.36 | 374,807.4 | 373,380.98 | 373,020.99 | 373,113.2 | 373,756.35 | 373,380.02 | 373,724.39 | 373,074.51 | 373,200.76 |
Understanding housing loans in Metropolitan France
Monetary financial institutions maintaining establishments throughout Metropolitan France compile the aggregate principal amounts owed on all mortgage credit granted to individuals for purchasing, building, or renovating residential properties. This category captures long-term lending secured primarily by residential real estate, separating household housing debt from consumer credit lines and commercial property financing. The reported sum includes both fixed-rate and variable-rate contracts outstanding on the books of reporting credit institutions, while excluding loans transferred via true-sale securitization or derecognized following definitive portfolio sales.
Evaluating the monthly trajectory of these residential mortgage balances necessitates filtering out the seasonal slowdowns typically associated with holiday periods and the autumn property market cycle. Early statistical releases are provisional, incorporating estimations for late-reporting branches that are subsequently replaced with verified administrative data in subsequent publications. When contrasting this series with household deposit measures or wider monetary aggregates, researchers must account for differences in valuation adjustments, such as loan loss provisions and reclassifications, which can alter outstanding totals independently of new mortgage originations or repayments.
Frequently asked questions
- Does this series include consumer loans taken out by households?
- No, consumer credit and personal loans are tracked under separate headings and are excluded from housing loan balances.
- Are preliminary monthly figures subject to adjustment after initial publication?
- Yes, early estimates frequently undergo revisions when late-reporting lending institutions submit corrected balance sheet data.
- How do property market cycles affect the interpretation of these figures?
- Seasonal transaction dips in real estate can temporarily slow the growth of outstanding mortgage balances, making twelve-month comparisons preferable.