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 January 2026, at €1.65 trillion. Latvia had the lowest, at €5.62 billion. The median was €45.47 billion. Source: the European Central Bank.

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Highest1,645,344Germany
Lowest5,622Latvia
Median45,47121 EU countries

Map of EU countries, January 2026

Austria: 137,745 EUR millionBelgium: 251,186 EUR millionBulgaria: 17,065.1 EUR millionCyprus: 8,591 EUR millionGermany: 1,645,344 EUR millionEstonia: 13,369 EUR millionSpain: 517,110 EUR millionFinland: 106,147 EUR millionFrance: 1,287,318 EUR millionGreece: 25,386 EUR millionCroatia: 13,830 EUR millionIreland: 94,273 EUR millionItaly: 441,765 EUR millionLithuania: 15,318 EUR millionLuxembourg: 45,471 EUR millionLatvia: 5,622 EUR millionMalta: 9,352.02 EUR millionNetherlands: 631,975 EUR millionPortugal: 113,771.6 EUR millionSlovenia: 9,417.14 EUR millionSlovakia: 44,016.83 EUR million
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  • 110K to 440K
  • 440K and over
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EUR million, January 2026. 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, January 2026

Germany: 1,645,344 EUR millionGermany1,645,344France: 1,287,318 EUR millionFrance1,287,318Netherlands: 631,975 EUR millionNetherlands631,975Spain: 517,110 EUR millionSpain517,110Italy: 441,765 EUR millionItaly441,765Belgium: 251,186 EUR millionBelgium251,186Austria: 137,745 EUR millionAustria137,745Portugal: 113,771.6 EUR millionPortugal113,771.6Finland: 106,147 EUR millionFinland106,147Ireland: 94,273 EUR millionIreland94,273Luxembourg: 45,471 EUR millionLuxembourg45,471Slovakia: 44,016.83 EUR millionSlovakia44,016.83Greece: 25,386 EUR millionGreece25,386Bulgaria: 17,065.1 EUR millionBulgaria17,065.1Lithuania: 15,318 EUR millionLithuania15,318Croatia: 13,830 EUR millionCroatia13,830Estonia: 13,369 EUR millionEstonia13,369Slovenia: 9,417.14 EUR millionSlovenia9,417.14Malta: 9,352.02 EUR millionMalta9,352.02Cyprus: 8,591 EUR millionCyprus8,591Latvia: 5,622 EUR millionLatvia5,622Germany: 1,645,344 EUR millionGermany1,645,344France: 1,287,318 EUR millionFrance1,287,318Netherlands: 631,975 EUR millionNetherlands631,975Spain: 517,110 EUR millionSpain517,110Italy: 441,765 EUR millionItaly441,765Belgium: 251,186 EUR millionBelgium251,186Austria: 137,745 EUR millionAustria137,745Portugal: 113,771.6 EUR millionPortugal113,771.6Finland: 106,147 EUR millionFinland106,147Ireland: 94,273 EUR millionIreland94,273Luxembourg: 45,471 EUR millionLuxembourg45,471Slovakia: 44,016.83 EUR millionSlovakia44,016.83Greece: 25,386 EUR millionGreece25,386Bulgaria: 17,065.1 EUR millionBulgaria17,065.1Lithuania: 15,318 EUR millionLithuania15,318Croatia: 13,830 EUR millionCroatia13,830Estonia: 13,369 EUR millionEstonia13,369Slovenia: 9,417.14 EUR millionSlovenia9,417.14Malta: 9,352.02 EUR millionMalta9,352.02Cyprus: 8,591 EUR millionCyprus8,591Latvia: 5,622 EUR millionLatvia5,622
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 countriesJanuary 2026
EUR million		Change on January 2025
1Germany1,645,344+2.5%
2France1,287,318-0.1%
3Netherlands631,975+6.2%
4Spain517,110+3.8%
5Italy441,765+3.4%
6Belgium251,186+2.6%
7Austria137,745+1.5%
8Portugal113,771.6+10.1%
9Finland106,1470%
10Ireland94,273+9.6%
11Luxembourg45,471+2.9%
12Slovakia44,016.83+8%
13Greece25,386-2.7%
14Bulgaria17,065.1+27.9%
15Lithuania15,318+14.8%
16Croatia13,830+15.1%
17Estonia13,369+10.2%
18Slovenia9,417.14+8.8%
19Malta9,352.02+10.1%
20Cyprus8,591+1%
21Latvia5,622+10.2%

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, 2026-01) [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, 2026-01. 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=2026-01. 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, 2026-01. 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=2026-01.

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, 2026-01 [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=2026-01 (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, 2026-01}},
  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=2026-01. 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, 2026-01
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=2026-01
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/rankings/mfi-housing-loan-balances/eu-countries?period=2026-01.
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 €1.65 trillion in January 2026, according to the European Central Bank.

Which EU country has the lowest MFI housing loan balances?

Latvia, with €5.62 billion in January 2026.

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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