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 March 2026, at €1.65 trillion. Latvia had the lowest, at €5.69 billion. The median was €45.6 billion. Source: the European Central Bank.

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Highest1,650,699Germany
Lowest5,691Latvia
Median45,59621 EU countries

Map of EU countries, March 2026

Austria: 138,247 EUR millionBelgium: 252,545 EUR millionBulgaria: 17,644.89 EUR millionCyprus: 8,654 EUR millionGermany: 1,650,699 EUR millionEstonia: 13,564 EUR millionSpain: 519,895 EUR millionFinland: 105,903 EUR millionFrance: 1,287,124 EUR millionGreece: 25,323 EUR millionCroatia: 14,127 EUR millionIreland: 94,816 EUR millionItaly: 444,231 EUR millionLithuania: 15,641 EUR millionLuxembourg: 45,596 EUR millionLatvia: 5,691 EUR millionMalta: 9,493.07 EUR millionNetherlands: 637,704 EUR millionPortugal: 115,713.74 EUR millionSlovenia: 9,562.57 EUR millionSlovakia: 44,607.43 EUR million
  • Under 10K
  • 10K to 30K
  • 30K to 110K
  • 110K to 440K
  • 440K and over
  • No data
EUR million, March 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, March 2026

Germany: 1,650,699 EUR millionGermany1,650,699France: 1,287,124 EUR millionFrance1,287,124Netherlands: 637,704 EUR millionNetherlands637,704Spain: 519,895 EUR millionSpain519,895Italy: 444,231 EUR millionItaly444,231Belgium: 252,545 EUR millionBelgium252,545Austria: 138,247 EUR millionAustria138,247Portugal: 115,713.74 EUR millionPortugal115,713.74Finland: 105,903 EUR millionFinland105,903Ireland: 94,816 EUR millionIreland94,816Luxembourg: 45,596 EUR millionLuxembourg45,596Slovakia: 44,607.43 EUR millionSlovakia44,607.43Greece: 25,323 EUR millionGreece25,323Bulgaria: 17,644.89 EUR millionBulgaria17,644.89Lithuania: 15,641 EUR millionLithuania15,641Croatia: 14,127 EUR millionCroatia14,127Estonia: 13,564 EUR millionEstonia13,564Slovenia: 9,562.57 EUR millionSlovenia9,562.57Malta: 9,493.07 EUR millionMalta9,493.07Cyprus: 8,654 EUR millionCyprus8,654Latvia: 5,691 EUR millionLatvia5,691Germany: 1,650,699 EUR millionGermany1,650,699France: 1,287,124 EUR millionFrance1,287,124Netherlands: 637,704 EUR millionNetherlands637,704Spain: 519,895 EUR millionSpain519,895Italy: 444,231 EUR millionItaly444,231Belgium: 252,545 EUR millionBelgium252,545Austria: 138,247 EUR millionAustria138,247Portugal: 115,713.74 EUR millionPortugal115,713.74Finland: 105,903 EUR millionFinland105,903Ireland: 94,816 EUR millionIreland94,816Luxembourg: 45,596 EUR millionLuxembourg45,596Slovakia: 44,607.43 EUR millionSlovakia44,607.43Greece: 25,323 EUR millionGreece25,323Bulgaria: 17,644.89 EUR millionBulgaria17,644.89Lithuania: 15,641 EUR millionLithuania15,641Croatia: 14,127 EUR millionCroatia14,127Estonia: 13,564 EUR millionEstonia13,564Slovenia: 9,562.57 EUR millionSlovenia9,562.57Malta: 9,493.07 EUR millionMalta9,493.07Cyprus: 8,654 EUR millionCyprus8,654Latvia: 5,691 EUR millionLatvia5,691
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 countriesMarch 2026
EUR million		Change on March 2025
1Germany1,650,699+2.5%
2France1,287,124-0.1%
3Netherlands637,704+6.2%
4Spain519,895+3.8%
5Italy444,231+3.5%
6Belgium252,545+4.5%
7Austria138,247+1.8%
8Portugal115,713.74+10.2%
9Finland105,903-0.1%
10Ireland94,816+9.5%
11Luxembourg45,596+2.7%
12Slovakia44,607.43+8.5%
13Greece25,323-2.8%
14Bulgaria17,644.89+27.4%
15Lithuania15,641+15.1%
16Croatia14,127+15.6%
17Estonia13,564+10.5%
18Slovenia9,562.57+9.3%
19Malta9,493.07+10%
20Cyprus8,654+2.3%
21Latvia5,691+10.5%

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, 2026-03) [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, 2026-03. 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=2026-03. 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, 2026-03. 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=2026-03.

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, 2026-03 [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=2026-03 (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, 2026-03}},
  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=2026-03. 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, 2026-03
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=2026-03
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/rankings/mfi-housing-loan-balances/eu-countries?period=2026-03.
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 March 2026, according to the European Central Bank.

Which EU country has the lowest MFI housing loan balances?

Latvia, with €5.69 billion in March 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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