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 April 2026, at €1.65 trillion. Latvia had the lowest, at €5.74 billion. The median was €45.63 billion. Source: the European Central Bank.

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Highest1,654,105Germany
Lowest5,737Latvia
Median45,63121 EU countries

Map of EU countries, April 2026

Austria: 138,316 EUR millionBelgium: 253,157 EUR millionBulgaria: 17,983.8 EUR millionCyprus: 8,664 EUR millionGermany: 1,654,105 EUR millionEstonia: 13,683 EUR millionSpain: 521,940 EUR millionFinland: 105,872 EUR millionFrance: 1,286,903 EUR millionGreece: 25,288 EUR millionCroatia: 14,265 EUR millionIreland: 95,030 EUR millionItaly: 445,373 EUR millionLithuania: 15,742 EUR millionLuxembourg: 45,631 EUR millionLatvia: 5,737 EUR millionMalta: 9,565.44 EUR millionNetherlands: 640,480 EUR millionPortugal: 116,741.82 EUR millionSlovenia: 9,660.64 EUR millionSlovakia: 44,983.27 EUR million
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EUR million, April 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, April 2026

Germany: 1,654,105 EUR millionGermany1,654,105France: 1,286,903 EUR millionFrance1,286,903Netherlands: 640,480 EUR millionNetherlands640,480Spain: 521,940 EUR millionSpain521,940Italy: 445,373 EUR millionItaly445,373Belgium: 253,157 EUR millionBelgium253,157Austria: 138,316 EUR millionAustria138,316Portugal: 116,741.82 EUR millionPortugal116,741.82Finland: 105,872 EUR millionFinland105,872Ireland: 95,030 EUR millionIreland95,030Luxembourg: 45,631 EUR millionLuxembourg45,631Slovakia: 44,983.27 EUR millionSlovakia44,983.27Greece: 25,288 EUR millionGreece25,288Bulgaria: 17,983.8 EUR millionBulgaria17,983.8Lithuania: 15,742 EUR millionLithuania15,742Croatia: 14,265 EUR millionCroatia14,265Estonia: 13,683 EUR millionEstonia13,683Slovenia: 9,660.64 EUR millionSlovenia9,660.64Malta: 9,565.44 EUR millionMalta9,565.44Cyprus: 8,664 EUR millionCyprus8,664Latvia: 5,737 EUR millionLatvia5,737Germany: 1,654,105 EUR millionGermany1,654,105France: 1,286,903 EUR millionFrance1,286,903Netherlands: 640,480 EUR millionNetherlands640,480Spain: 521,940 EUR millionSpain521,940Italy: 445,373 EUR millionItaly445,373Belgium: 253,157 EUR millionBelgium253,157Austria: 138,316 EUR millionAustria138,316Portugal: 116,741.82 EUR millionPortugal116,741.82Finland: 105,872 EUR millionFinland105,872Ireland: 95,030 EUR millionIreland95,030Luxembourg: 45,631 EUR millionLuxembourg45,631Slovakia: 44,983.27 EUR millionSlovakia44,983.27Greece: 25,288 EUR millionGreece25,288Bulgaria: 17,983.8 EUR millionBulgaria17,983.8Lithuania: 15,742 EUR millionLithuania15,742Croatia: 14,265 EUR millionCroatia14,265Estonia: 13,683 EUR millionEstonia13,683Slovenia: 9,660.64 EUR millionSlovenia9,660.64Malta: 9,565.44 EUR millionMalta9,565.44Cyprus: 8,664 EUR millionCyprus8,664Latvia: 5,737 EUR millionLatvia5,737
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 countriesApril 2026
EUR million		Change on April 2025
1Germany1,654,105+2.4%
2France1,286,903-0.1%
3Netherlands640,480+6.2%
4Spain521,940+3.8%
5Italy445,373+3.5%
6Belgium253,157+4.5%
7Austria138,316+1.9%
8Portugal116,741.82+10.5%
9Finland105,872-0.2%
10Ireland95,030+5.6%
11Luxembourg45,631+2.8%
12Slovakia44,983.27+8.8%
13Greece25,288-3%
14Bulgaria17,983.8+27.1%
15Lithuania15,742+14.5%
16Croatia14,265+15.1%
17Estonia13,683+10.6%
18Slovenia9,660.64+9.6%
19Malta9,565.44+10.2%
20Cyprus8,664+2.3%
21Latvia5,737+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, 2026-04) [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, 2026-04. 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=2026-04. 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, 2026-04. 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=2026-04.

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, 2026-04 [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=2026-04 (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, 2026-04}},
  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=2026-04. 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, 2026-04
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=2026-04
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/rankings/mfi-housing-loan-balances/eu-countries?period=2026-04.
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 April 2026, according to the European Central Bank.

Which EU country has the lowest MFI housing loan balances?

Latvia, with €5.74 billion in April 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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