Data / Rankings / MFI housing loan balances / EU countries

EU countries by MFI housing loan balances

Germany had the highest MFI housing loan balances of 21 EU countries in September 2025, at €1.63 trillion. Latvia had the lowest, at €5.45 billion. The median was €45.34 billion. Source: the European Central Bank.

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Highest1,634,976Germany
Lowest5,448Latvia
Median45,33521 EU countries

Map of EU countries, September 2025

Austria: 137,265 EUR millionBelgium: 246,587 EUR millionBulgaria: 15,773.49 EUR millionCyprus: 8,609 EUR millionGermany: 1,634,976 EUR millionEstonia: 12,973 EUR millionSpain: 510,835 EUR millionFinland: 106,213 EUR millionFrance: 1,294,177 EUR millionGreece: 25,226 EUR millionCroatia: 13,315 EUR millionIreland: 92,570 EUR millionItaly: 436,416 EUR millionLithuania: 14,611 EUR millionLuxembourg: 45,335 EUR millionLatvia: 5,448 EUR millionMalta: 9,007.71 EUR millionNetherlands: 619,298 EUR millionPortugal: 110,115.55 EUR millionSlovenia: 9,157.15 EUR millionSlovakia: 42,861.06 EUR million
  • Under 10K
  • 10K to 30K
  • 30K to 110K
  • 110K to 440K
  • 440K and over
  • No data
EUR million, September 2025. Hatched areas have no value for this period. Source: ECB, ECB BSI: MFI housing loan balances, unadjusted end-period stock (M.<area>.N.A.A22.A.1.U2.2250.Z01.E). Boundaries: Natural Earth (public domain).

All EU countries, September 2025

Germany: 1,634,976 EUR millionGermany1,634,976France: 1,294,177 EUR millionFrance1,294,177Netherlands: 619,298 EUR millionNetherlands619,298Spain: 510,835 EUR millionSpain510,835Italy: 436,416 EUR millionItaly436,416Belgium: 246,587 EUR millionBelgium246,587Austria: 137,265 EUR millionAustria137,265Portugal: 110,115.55 EUR millionPortugal110,115.55Finland: 106,213 EUR millionFinland106,213Ireland: 92,570 EUR millionIreland92,570Luxembourg: 45,335 EUR millionLuxembourg45,335Slovakia: 42,861.06 EUR millionSlovakia42,861.06Greece: 25,226 EUR millionGreece25,226Bulgaria: 15,773.49 EUR millionBulgaria15,773.49Lithuania: 14,611 EUR millionLithuania14,611Croatia: 13,315 EUR millionCroatia13,315Estonia: 12,973 EUR millionEstonia12,973Slovenia: 9,157.15 EUR millionSlovenia9,157.15Malta: 9,007.71 EUR millionMalta9,007.71Cyprus: 8,609 EUR millionCyprus8,609Latvia: 5,448 EUR millionLatvia5,448Germany: 1,634,976 EUR millionGermany1,634,976France: 1,294,177 EUR millionFrance1,294,177Netherlands: 619,298 EUR millionNetherlands619,298Spain: 510,835 EUR millionSpain510,835Italy: 436,416 EUR millionItaly436,416Belgium: 246,587 EUR millionBelgium246,587Austria: 137,265 EUR millionAustria137,265Portugal: 110,115.55 EUR millionPortugal110,115.55Finland: 106,213 EUR millionFinland106,213Ireland: 92,570 EUR millionIreland92,570Luxembourg: 45,335 EUR millionLuxembourg45,335Slovakia: 42,861.06 EUR millionSlovakia42,861.06Greece: 25,226 EUR millionGreece25,226Bulgaria: 15,773.49 EUR millionBulgaria15,773.49Lithuania: 14,611 EUR millionLithuania14,611Croatia: 13,315 EUR millionCroatia13,315Estonia: 12,973 EUR millionEstonia12,973Slovenia: 9,157.15 EUR millionSlovenia9,157.15Malta: 9,007.71 EUR millionMalta9,007.71Cyprus: 8,609 EUR millionCyprus8,609Latvia: 5,448 EUR millionLatvia5,448
EUR million. Source: ECB, ECB BSI: MFI housing loan balances, unadjusted end-period stock (M.<area>.N.A.A22.A.1.U2.2250.Z01.E). Retrieved 2026-10-12.

Full ranking

RankEU countriesSeptember 2025
EUR million		Change on September 2024
1Germany1,634,976+2.2%
2France1,294,1770%
3Netherlands619,298+5.8%
4Spain510,835+3%
5Italy436,416+3%
6Belgium246,587+2.6%
7Austria137,265+0.7%
8Portugal110,115.55+8.6%
9Finland106,213-0.1%
10Ireland92,570+8.7%
11Luxembourg45,335+3.3%
12Slovakia42,861.06+6.8%
13Greece25,226-5.9%
14Bulgaria15,773.49+27.5%
15Lithuania14,611+13.3%
16Croatia13,315+14.5%
17Estonia12,973+10.1%
18Slovenia9,157.15+7.4%
19Malta9,007.71+9.2%
20Cyprus8,609+2.7%
21Latvia5,448+9%

Other periods

About this ranking

End-of-month stock of loans for house purchase from resident MFIs excluding central banks to households resident in the euro area, in EUR millions.

Loan stocks are outstanding balances, rather than new lending or transaction flows. They differ from ECB adjusted loan series, which account for loan transfers and notional cash pooling. End-of-month balances, neither seasonally nor working-day adjusted. The country identifies the reporting monetary financial institutions (MFIs), excluding central banks; borrowers or depositors reside anywhere in the euro area. These are not balances of domestic residents only. Households include non-profit institutions serving households. All currencies are combined and reported in EUR millions. The euro area has changing membership; histories vary and missing values are not filled.

Every value in the ranking comes from the same publisher and the same period, so the EU countries are compared on one definition. Equal values share a rank.

How to cite

European Central Bank. ECB BSI: MFI housing loan balances, unadjusted end-period stock (M.<area>.N.A.A22.A.1.U2.2250.Z01.E). https://data-api.ecb.europa.eu/service/data/BSI/M.AT+BE+BG+CY+DE+EE+ES+FI+FR+GR+HR+IE+IT+LT+LU+LV+MT+NL+PT+SI+SK+U2.N.A.A22.A.1.U2.2250.Z01.E?format=csvdata. Retrieved 2026-10-12.

Citation styles

The publisher is the author. Invokely is named only as the place the figures were read, where a style asks for it.

APA 7

European Central Bank. (n.d.). ECB BSI: MFI housing loan balances, unadjusted end-period stock (M.<area>.N.A.A22.A.1.U2.2250.Z01.E) (EU countries by MFI housing loan balances, 2025-09) [Data set]. Retrieved October 12, 2026, from https://data-api.ecb.europa.eu/service/data/BSI/M.AT+BE+BG+CY+DE+EE+ES+FI+FR+GR+HR+IE+IT+LT+LU+LV+MT+NL+PT+SI+SK+U2.N.A.A22.A.1.U2.2250.Z01.E?format=csvdata

MLA 9

ECB BSI: MFI housing loan balances, unadjusted end-period stock (M.<area>.N.A.A22.A.1.U2.2250.Z01.E), EU countries by MFI housing loan balances, 2025-09. European Central Bank, https://data-api.ecb.europa.eu/service/data/BSI/M.AT+BE+BG+CY+DE+EE+ES+FI+FR+GR+HR+IE+IT+LT+LU+LV+MT+NL+PT+SI+SK+U2.N.A.A22.A.1.U2.2250.Z01.E?format=csvdata. Invokely, https://invokely.ai/rankings/mfi-housing-loan-balances/eu-countries?period=2025-09. Accessed 12 Oct. 2026.

Chicago (author-date)

European Central Bank. n.d. ECB BSI: MFI housing loan balances, unadjusted end-period stock (M.<area>.N.A.A22.A.1.U2.2250.Z01.E). EU countries by MFI housing loan balances, 2025-09. Dataset. Accessed October 12, 2026. https://data-api.ecb.europa.eu/service/data/BSI/M.AT+BE+BG+CY+DE+EE+ES+FI+FR+GR+HR+IE+IT+LT+LU+LV+MT+NL+PT+SI+SK+U2.N.A.A22.A.1.U2.2250.Z01.E?format=csvdata. Also distributed by Invokely, https://invokely.ai/rankings/mfi-housing-loan-balances/eu-countries?period=2025-09.

Harvard

European Central Bank (no date) ECB BSI: MFI housing loan balances, unadjusted end-period stock (M.<area>.N.A.A22.A.1.U2.2250.Z01.E), EU countries by MFI housing loan balances, 2025-09 [Dataset]. Available at: https://data-api.ecb.europa.eu/service/data/BSI/M.AT+BE+BG+CY+DE+EE+ES+FI+FR+GR+HR+IE+IT+LT+LU+LV+MT+NL+PT+SI+SK+U2.N.A.A22.A.1.U2.2250.Z01.E?format=csvdata, via Invokely: https://invokely.ai/rankings/mfi-housing-loan-balances/eu-countries?period=2025-09 (Accessed: 12 October 2026).

BibTeX
@misc{european_eu_countries_by_mfi_2026,
  author = {{European Central Bank}},
  title = {{ECB BSI: MFI housing loan balances, unadjusted end-period stock (M.<area>.N.A.A22.A.1.U2.2250.Z01.E): EU countries by MFI housing loan balances, 2025-09}},
  howpublished = {Data set},
  url = {https://data-api.ecb.europa.eu/service/data/BSI/M.AT+BE+BG+CY+DE+EE+ES+FI+FR+GR+HR+IE+IT+LT+LU+LV+MT+NL+PT+SI+SK+U2.N.A.A22.A.1.U2.2250.Z01.E?format=csvdata},
  urldate = {2026-10-12},
  note = {Accessed via Invokely, https://invokely.ai/rankings/mfi-housing-loan-balances/eu-countries?period=2025-09. Publisher attribution: European Central Bank. ECB BSI: MFI housing loan balances, unadjusted end-period stock (M.<area>.N.A.A22.A.1.U2.2250.Z01.E). https://data-api.ecb.europa.eu/service/data/BSI/M.AT+BE+BG+CY+DE+EE+ES+FI+FR+GR+HR+IE+IT+LT+LU+LV+MT+NL+PT+SI+SK+U2.N.A.A22.A.1.U2.2250.Z01.E?format=csvdata. Retrieved 2026-10-12.},
}
RIS
TY  - DATA
AU  - European Central Bank
TI  - ECB BSI: MFI housing loan balances, unadjusted end-period stock (M.<area>.N.A.A22.A.1.U2.2250.Z01.E): EU countries by MFI housing loan balances, 2025-09
PB  - European Central Bank
DB  - Invokely
UR  - https://data-api.ecb.europa.eu/service/data/BSI/M.AT+BE+BG+CY+DE+EE+ES+FI+FR+GR+HR+IE+IT+LT+LU+LV+MT+NL+PT+SI+SK+U2.N.A.A22.A.1.U2.2250.Z01.E?format=csvdata
L2  - https://invokely.ai/rankings/mfi-housing-loan-balances/eu-countries?period=2025-09
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/rankings/mfi-housing-loan-balances/eu-countries?period=2025-09.
N1  - Publisher attribution: European Central Bank. ECB BSI: MFI housing loan balances, unadjusted end-period stock (M.<area>.N.A.A22.A.1.U2.2250.Z01.E). https://data-api.ecb.europa.eu/service/data/BSI/M.AT+BE+BG+CY+DE+EE+ES+FI+FR+GR+HR+IE+IT+LT+LU+LV+MT+NL+PT+SI+SK+U2.N.A.A22.A.1.U2.2250.Z01.E?format=csvdata. Retrieved 2026-10-12.
ER  -
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Rank EU countries by MFI housing loan balances using official data, and cite the source.
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Questions

Which EU country has the highest MFI housing loan balances?

Germany, with €1.63 trillion in September 2025, according to the European Central Bank.

Which EU country has the lowest MFI housing loan balances?

Latvia, with €5.45 billion in September 2025.

Where does this ranking come from?

Every value comes from one source and one period, so the places are comparable: European Central Bank, ECB BSI: MFI housing loan balances, unadjusted end-period stock (M.<area>.N.A.A22.A.1.U2.2250.Z01.E). Retrieved 2026-10-12.

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