Household Financing: Housing and Consumer Projects Financed by Banks (Fédération Bancaire Française)

Summary

• 40.4% of households hold at least one credit in 2025.p.2
• Between June 2025 and May 2026, banks granted more than 236.9 billion euros of new credit to households.p.2
• Housing loan production (excluding renegotiations) reached 11.4 billion euros in May, down from 12.0 billion euros in April.p.3
• The average mortgage rate was 3.10% in May 2026, against 3.59% in January 2024.p.3
• The average duration of housing loans stands at 254 months in May 2026.p.11

Key insights

1. 85.1% of households consider their repayment burden supportable in 2025.p.2
2. The doubtful loan outstanding rate stood at 1.1% at 31 December 2024.p.2
3. Housing loan production recovered after the low of 6.9 billion euros in February 2024.p.3
4. Mortgage rates have stabilised around 3% for more than a year after a sharp decline.p.3
5. At end 2025, 2.8% of French households plan to take out a mortgage in the coming months, against 3.1% at end 2024.p.8
6. The average housing loan duration is 21.2 years in May 2026, against 13.6 years in 2001.p.11
7. 80.3% of home purchase loans were granted over more than 20 years in May 2026, against 77.8% in 2025.p.11
8. At end 2025, 18% of French households hold a consumer credit, with 219 billion euros outstanding in May 2026.p.14