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 June 2026, at €1.66 trillion. Latvia had the lowest, at €5.82 billion. The median was €45.97 billion. Source: the European Central Bank.

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Highest1,660,627Germany
Lowest5,824Latvia
Median45,96621 EU countries

Map of EU countries, June 2026

Austria: 139,621 EUR millionBelgium: 254,664 EUR millionBulgaria: 18,714.81 EUR millionCyprus: 8,819 EUR millionGermany: 1,660,627 EUR millionEstonia: 13,926 EUR millionSpain: 525,930 EUR millionFinland: 105,875 EUR millionFrance: 1,291,819 EUR millionGreece: 25,322 EUR millionCroatia: 14,560 EUR millionIreland: 95,955 EUR millionItaly: 448,291 EUR millionLithuania: 16,091 EUR millionLuxembourg: 45,966 EUR millionLatvia: 5,824 EUR millionMalta: 9,709.07 EUR millionNetherlands: 647,050 EUR millionPortugal: 118,963.64 EUR millionSlovenia: 9,832.88 EUR millionSlovakia: 45,704.17 EUR million
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EUR million, June 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, June 2026

Germany: 1,660,627 EUR millionGermany1,660,627France: 1,291,819 EUR millionFrance1,291,819Netherlands: 647,050 EUR millionNetherlands647,050Spain: 525,930 EUR millionSpain525,930Italy: 448,291 EUR millionItaly448,291Belgium: 254,664 EUR millionBelgium254,664Austria: 139,621 EUR millionAustria139,621Portugal: 118,963.64 EUR millionPortugal118,963.64Finland: 105,875 EUR millionFinland105,875Ireland: 95,955 EUR millionIreland95,955Luxembourg: 45,966 EUR millionLuxembourg45,966Slovakia: 45,704.17 EUR millionSlovakia45,704.17Greece: 25,322 EUR millionGreece25,322Bulgaria: 18,714.81 EUR millionBulgaria18,714.81Lithuania: 16,091 EUR millionLithuania16,091Croatia: 14,560 EUR millionCroatia14,560Estonia: 13,926 EUR millionEstonia13,926Slovenia: 9,832.88 EUR millionSlovenia9,832.88Malta: 9,709.07 EUR millionMalta9,709.07Cyprus: 8,819 EUR millionCyprus8,819Latvia: 5,824 EUR millionLatvia5,824Germany: 1,660,627 EUR millionGermany1,660,627France: 1,291,819 EUR millionFrance1,291,819Netherlands: 647,050 EUR millionNetherlands647,050Spain: 525,930 EUR millionSpain525,930Italy: 448,291 EUR millionItaly448,291Belgium: 254,664 EUR millionBelgium254,664Austria: 139,621 EUR millionAustria139,621Portugal: 118,963.64 EUR millionPortugal118,963.64Finland: 105,875 EUR millionFinland105,875Ireland: 95,955 EUR millionIreland95,955Luxembourg: 45,966 EUR millionLuxembourg45,966Slovakia: 45,704.17 EUR millionSlovakia45,704.17Greece: 25,322 EUR millionGreece25,322Bulgaria: 18,714.81 EUR millionBulgaria18,714.81Lithuania: 16,091 EUR millionLithuania16,091Croatia: 14,560 EUR millionCroatia14,560Estonia: 13,926 EUR millionEstonia13,926Slovenia: 9,832.88 EUR millionSlovenia9,832.88Malta: 9,709.07 EUR millionMalta9,709.07Cyprus: 8,819 EUR millionCyprus8,819Latvia: 5,824 EUR millionLatvia5,824
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 countriesJune 2026
EUR million		Change on June 2025
1Germany1,660,627+2.4%
2France1,291,819+0.1%
3Netherlands647,050+6.2%
4Spain525,930+3.8%
5Italy448,291+3.4%
6Belgium254,664+4.4%
7Austria139,621+2.5%
8Portugal118,963.64+10.9%
9Finland105,875-0.3%
10Ireland95,955+5.6%
11Luxembourg45,966+1.9%
12Slovakia45,704.17+9%
13Greece25,322+0.6%
14Bulgaria18,714.81+26.4%
15Lithuania16,091+14.3%
16Croatia14,560+13.2%
17Estonia13,926+10%
18Slovenia9,832.88+9.8%
19Malta9,709.07+10.2%
20Cyprus8,819+2.9%
21Latvia5,824+10.3%

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, 2026-06) [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, 2026-06. 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=2026-06. 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, 2026-06. 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=2026-06.

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, 2026-06 [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=2026-06 (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, 2026-06}},
  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=2026-06. 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, 2026-06
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=2026-06
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/rankings/mfi-housing-loan-balances/eu-countries?period=2026-06.
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 June 2026, according to the European Central Bank.

Which EU country has the lowest MFI housing loan balances?

Latvia, with €5.82 billion in June 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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