Housing loans to individuals in Metropolitan France
Housing loans to individuals in Metropolitan France stood at 1,223,740.01 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 to individuals | |||||||||||
| Metropolitan France | 1,223,740.01 | 1,220,600.94 | 1,218,230.48 | 1,217,284.86 | 1,216,760.17 | 1,217,668.2 | 1,218,259.52 | 1,218,585.42 | 1,216,293.94 | 1,216,593.64 | |
| Île-de-France | 298,759.07 | 297,909.58 | 298,035.27 | 296,754.49 | 296,632.63 | 297,690.06 | 297,328.16 | 298,183.46 | 297,553.5 | 297,933.54 |
Understanding housing loans to individuals in Metropolitan France
Banking establishments operating across Metropolitan France compile the total outstanding balances of credit extended specifically to retail clients for residential property acquisition. By restricting the scope strictly to individual borrowers, this measure excludes property loans granted to corporations, real estate investment funds, or government entities, thereby isolating household debt dynamics from corporate balance sheets. The dataset captures mortgages used for buying primary residences, secondary homes, and rental properties, as well as funds disbursed for major home renovations.
Evaluating the monthly data necessitates filtering out predictable calendar effects, such as administrative pauses during summer months and holiday periods that slow down property closings and loan drawdowns. Observers should favor twelve-month percentage changes to evaluate true credit expansion, avoiding distortions from short-term administrative volatility. Historical figures can experience retroactive adjustments when reporting banks refine their client classification methodologies or correct geographic sorting errors. When benchmarking this territory against smaller administrative subdivisions, analysts must account for the vastly different demographic weights and housing market structures embedded within the wider metropolitan boundary.
Frequently asked questions
- Does this series include loans granted to corporate real estate developers?
- No, the measure is strictly limited to financing provided to individual retail clients for their personal housing needs.
- How does this aggregate relate to total housing credit for the entire country?
- This measure covers the mainland territory, excluding overseas departments and territories, thereby omitting non-metropolitan real estate credit portfolios.
- Are home renovation loans included alongside purchase mortgages?
- Yes, loans directed toward substantial structural renovations of residential dwellings are incorporated into the aggregate alongside pure acquisition mortgages.