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 May 2026, at €1.66 trillion. Latvia had the lowest, at €5.77 billion. The median was €45.61 billion. Source: the European Central Bank.

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Highest1,658,407Germany
Lowest5,774Latvia
Median45,60821 EU countries

Map of EU countries, May 2026

Austria: 138,546 EUR millionBelgium: 253,606 EUR millionBulgaria: 18,296.67 EUR millionCyprus: 8,713 EUR millionGermany: 1,658,407 EUR millionEstonia: 13,800 EUR millionSpain: 523,979 EUR millionFinland: 105,962 EUR millionFrance: 1,288,557 EUR millionGreece: 25,292 EUR millionCroatia: 14,416 EUR millionIreland: 95,281 EUR millionItaly: 446,917 EUR millionLithuania: 15,891 EUR millionLuxembourg: 45,608 EUR millionLatvia: 5,774 EUR millionMalta: 9,633.85 EUR millionNetherlands: 643,090 EUR millionPortugal: 117,895.55 EUR millionSlovenia: 9,755.85 EUR millionSlovakia: 45,331.32 EUR million
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EUR million, May 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, May 2026

Germany: 1,658,407 EUR millionGermany1,658,407France: 1,288,557 EUR millionFrance1,288,557Netherlands: 643,090 EUR millionNetherlands643,090Spain: 523,979 EUR millionSpain523,979Italy: 446,917 EUR millionItaly446,917Belgium: 253,606 EUR millionBelgium253,606Austria: 138,546 EUR millionAustria138,546Portugal: 117,895.55 EUR millionPortugal117,895.55Finland: 105,962 EUR millionFinland105,962Ireland: 95,281 EUR millionIreland95,281Luxembourg: 45,608 EUR millionLuxembourg45,608Slovakia: 45,331.32 EUR millionSlovakia45,331.32Greece: 25,292 EUR millionGreece25,292Bulgaria: 18,296.67 EUR millionBulgaria18,296.67Lithuania: 15,891 EUR millionLithuania15,891Croatia: 14,416 EUR millionCroatia14,416Estonia: 13,800 EUR millionEstonia13,800Slovenia: 9,755.85 EUR millionSlovenia9,755.85Malta: 9,633.85 EUR millionMalta9,633.85Cyprus: 8,713 EUR millionCyprus8,713Latvia: 5,774 EUR millionLatvia5,774Germany: 1,658,407 EUR millionGermany1,658,407France: 1,288,557 EUR millionFrance1,288,557Netherlands: 643,090 EUR millionNetherlands643,090Spain: 523,979 EUR millionSpain523,979Italy: 446,917 EUR millionItaly446,917Belgium: 253,606 EUR millionBelgium253,606Austria: 138,546 EUR millionAustria138,546Portugal: 117,895.55 EUR millionPortugal117,895.55Finland: 105,962 EUR millionFinland105,962Ireland: 95,281 EUR millionIreland95,281Luxembourg: 45,608 EUR millionLuxembourg45,608Slovakia: 45,331.32 EUR millionSlovakia45,331.32Greece: 25,292 EUR millionGreece25,292Bulgaria: 18,296.67 EUR millionBulgaria18,296.67Lithuania: 15,891 EUR millionLithuania15,891Croatia: 14,416 EUR millionCroatia14,416Estonia: 13,800 EUR millionEstonia13,800Slovenia: 9,755.85 EUR millionSlovenia9,755.85Malta: 9,633.85 EUR millionMalta9,633.85Cyprus: 8,713 EUR millionCyprus8,713Latvia: 5,774 EUR millionLatvia5,774
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 countriesMay 2026
EUR million		Change on May 2025
1Germany1,658,407+2.4%
2France1,288,557+0.1%
3Netherlands643,090+6.1%
4Spain523,979+3.9%
5Italy446,917+3.4%
6Belgium253,606+4.4%
7Austria138,546+2.2%
8Portugal117,895.55+10.6%
9Finland105,962-0.2%
10Ireland95,281+5.6%
11Luxembourg45,608+2.6%
12Slovakia45,331.32+8.8%
13Greece25,292-1.7%
14Bulgaria18,296.67+26.6%
15Lithuania15,891+14.1%
16Croatia14,416+14.6%
17Estonia13,800+10.5%
18Slovenia9,755.85+9.8%
19Malta9,633.85+10.2%
20Cyprus8,713+2.7%
21Latvia5,774+10.4%

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, 2026-05) [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, 2026-05. 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=2026-05. 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, 2026-05. 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=2026-05.

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, 2026-05 [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=2026-05 (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, 2026-05}},
  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=2026-05. 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, 2026-05
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=2026-05
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/rankings/mfi-housing-loan-balances/eu-countries?period=2026-05.
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 €1.66 trillion in May 2026, according to the European Central Bank.

Which EU country has the lowest MFI housing loan balances?

Latvia, with €5.77 billion in May 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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