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 November 2025, at €1.64 trillion. Latvia had the lowest, at €5.53 billion. The median was €45.28 billion. Source: the European Central Bank.

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Highest1,643,319Germany
Lowest5,528Latvia
Median45,28021 EU countries

Map of EU countries, November 2025

Austria: 137,435 EUR millionBelgium: 249,451 EUR millionBulgaria: 16,459.65 EUR millionCyprus: 8,636 EUR millionGermany: 1,643,319 EUR millionEstonia: 13,186 EUR millionSpain: 514,026 EUR millionFinland: 106,359 EUR millionFrance: 1,285,685 EUR millionGreece: 25,248 EUR millionCroatia: 13,580 EUR millionIreland: 93,198 EUR millionItaly: 439,754 EUR millionLithuania: 14,984 EUR millionLuxembourg: 45,280 EUR millionLatvia: 5,528 EUR millionMalta: 9,177.45 EUR millionNetherlands: 625,049 EUR millionPortugal: 112,132.83 EUR millionSlovenia: 9,302.01 EUR millionSlovakia: 43,488.01 EUR million
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  • 110K to 440K
  • 440K and over
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EUR million, November 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, November 2025

Germany: 1,643,319 EUR millionGermany1,643,319France: 1,285,685 EUR millionFrance1,285,685Netherlands: 625,049 EUR millionNetherlands625,049Spain: 514,026 EUR millionSpain514,026Italy: 439,754 EUR millionItaly439,754Belgium: 249,451 EUR millionBelgium249,451Austria: 137,435 EUR millionAustria137,435Portugal: 112,132.83 EUR millionPortugal112,132.83Finland: 106,359 EUR millionFinland106,359Ireland: 93,198 EUR millionIreland93,198Luxembourg: 45,280 EUR millionLuxembourg45,280Slovakia: 43,488.01 EUR millionSlovakia43,488.01Greece: 25,248 EUR millionGreece25,248Bulgaria: 16,459.65 EUR millionBulgaria16,459.65Lithuania: 14,984 EUR millionLithuania14,984Croatia: 13,580 EUR millionCroatia13,580Estonia: 13,186 EUR millionEstonia13,186Slovenia: 9,302.01 EUR millionSlovenia9,302.01Malta: 9,177.45 EUR millionMalta9,177.45Cyprus: 8,636 EUR millionCyprus8,636Latvia: 5,528 EUR millionLatvia5,528Germany: 1,643,319 EUR millionGermany1,643,319France: 1,285,685 EUR millionFrance1,285,685Netherlands: 625,049 EUR millionNetherlands625,049Spain: 514,026 EUR millionSpain514,026Italy: 439,754 EUR millionItaly439,754Belgium: 249,451 EUR millionBelgium249,451Austria: 137,435 EUR millionAustria137,435Portugal: 112,132.83 EUR millionPortugal112,132.83Finland: 106,359 EUR millionFinland106,359Ireland: 93,198 EUR millionIreland93,198Luxembourg: 45,280 EUR millionLuxembourg45,280Slovakia: 43,488.01 EUR millionSlovakia43,488.01Greece: 25,248 EUR millionGreece25,248Bulgaria: 16,459.65 EUR millionBulgaria16,459.65Lithuania: 14,984 EUR millionLithuania14,984Croatia: 13,580 EUR millionCroatia13,580Estonia: 13,186 EUR millionEstonia13,186Slovenia: 9,302.01 EUR millionSlovenia9,302.01Malta: 9,177.45 EUR millionMalta9,177.45Cyprus: 8,636 EUR millionCyprus8,636Latvia: 5,528 EUR millionLatvia5,528
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 countriesNovember 2025
EUR million		Change on November 2024
1Germany1,643,319+2.4%
2France1,285,685-0%
3Netherlands625,049+6%
4Spain514,026+3.2%
5Italy439,754+3.3%
6Belgium249,451+3%
7Austria137,435+1.1%
8Portugal112,132.83+9.5%
9Finland106,359-0.1%
10Ireland93,198+9.1%
11Luxembourg45,280+3.2%
12Slovakia43,488.01+7.3%
13Greece25,248-5.5%
14Bulgaria16,459.65+27.6%
15Lithuania14,984+14.1%
16Croatia13,580+14.9%
17Estonia13,186+10.1%
18Slovenia9,302.01+8.1%
19Malta9,177.45+9.6%
20Cyprus8,636+2.7%
21Latvia5,528+9.2%

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, 2025-11) [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, 2025-11. 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=2025-11. 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, 2025-11. 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=2025-11.

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, 2025-11 [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=2025-11 (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, 2025-11}},
  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=2025-11. 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, 2025-11
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=2025-11
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/rankings/mfi-housing-loan-balances/eu-countries?period=2025-11.
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 €1.64 trillion in November 2025, according to the European Central Bank.

Which EU country has the lowest MFI housing loan balances?

Latvia, with €5.53 billion in November 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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