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 July 2026, at €1.67 trillion. Latvia had the lowest, at €5.88 billion. The median was €46.1 billion. Source: the European Central Bank.

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Highest1,665,776Germany
Lowest5,881Latvia
Median46,103.6221 EU countries

Map of EU countries, July 2026

Austria: 139,604 EUR millionBelgium: 255,551 EUR millionBulgaria: 19,054.72 EUR millionCyprus: 8,764 EUR millionGermany: 1,665,776 EUR millionEstonia: 14,063 EUR millionSpain: 528,658 EUR millionFinland: 105,891 EUR millionFrance: 1,295,423 EUR millionGreece: 25,309 EUR millionCroatia: 14,727 EUR millionIreland: 96,431 EUR millionItaly: 450,411 EUR millionLithuania: 16,293 EUR millionLuxembourg: 45,941 EUR millionLatvia: 5,881 EUR millionMalta: 9,792.03 EUR millionNetherlands: 650,359 EUR millionPortugal: 120,213.05 EUR millionSlovenia: 9,896.34 EUR millionSlovakia: 46,103.62 EUR million
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EUR million, July 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, July 2026

Germany: 1,665,776 EUR millionGermany1,665,776France: 1,295,423 EUR millionFrance1,295,423Netherlands: 650,359 EUR millionNetherlands650,359Spain: 528,658 EUR millionSpain528,658Italy: 450,411 EUR millionItaly450,411Belgium: 255,551 EUR millionBelgium255,551Austria: 139,604 EUR millionAustria139,604Portugal: 120,213.05 EUR millionPortugal120,213.05Finland: 105,891 EUR millionFinland105,891Ireland: 96,431 EUR millionIreland96,431Slovakia: 46,103.62 EUR millionSlovakia46,103.62Luxembourg: 45,941 EUR millionLuxembourg45,941Greece: 25,309 EUR millionGreece25,309Bulgaria: 19,054.72 EUR millionBulgaria19,054.72Lithuania: 16,293 EUR millionLithuania16,293Croatia: 14,727 EUR millionCroatia14,727Estonia: 14,063 EUR millionEstonia14,063Slovenia: 9,896.34 EUR millionSlovenia9,896.34Malta: 9,792.03 EUR millionMalta9,792.03Cyprus: 8,764 EUR millionCyprus8,764Latvia: 5,881 EUR millionLatvia5,881Germany: 1,665,776 EUR millionGermany1,665,776France: 1,295,423 EUR millionFrance1,295,423Netherlands: 650,359 EUR millionNetherlands650,359Spain: 528,658 EUR millionSpain528,658Italy: 450,411 EUR millionItaly450,411Belgium: 255,551 EUR millionBelgium255,551Austria: 139,604 EUR millionAustria139,604Portugal: 120,213.05 EUR millionPortugal120,213.05Finland: 105,891 EUR millionFinland105,891Ireland: 96,431 EUR millionIreland96,431Slovakia: 46,103.62 EUR millionSlovakia46,103.62Luxembourg: 45,941 EUR millionLuxembourg45,941Greece: 25,309 EUR millionGreece25,309Bulgaria: 19,054.72 EUR millionBulgaria19,054.72Lithuania: 16,293 EUR millionLithuania16,293Croatia: 14,727 EUR millionCroatia14,727Estonia: 14,063 EUR millionEstonia14,063Slovenia: 9,896.34 EUR millionSlovenia9,896.34Malta: 9,792.03 EUR millionMalta9,792.03Cyprus: 8,764 EUR millionCyprus8,764Latvia: 5,881 EUR millionLatvia5,881
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 countriesJuly 2026
EUR million		Change on July 2025
1Germany1,665,776+2.4%
2France1,295,423+0.2%
3Netherlands650,359+6.2%
4Spain528,658+3.9%
5Italy450,411+3.3%
6Belgium255,551+4.3%
7Austria139,604+2.3%
8Portugal120,213.05+11%
9Finland105,891-0.3%
10Ireland96,431+5.4%
11Slovakia46,103.62+9%
12Luxembourg45,941+2%
13Greece25,309+0.4%
14Bulgaria19,054.72+25.7%
15Lithuania16,293+14.2%
16Croatia14,727+12.6%
17Estonia14,063+10.2%
18Slovenia9,896.34+9.7%
19Malta9,792.03+10.3%
20Cyprus8,764+2%
21Latvia5,881+10%

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, 2026-07) [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, 2026-07. 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=2026-07. 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, 2026-07. 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=2026-07.

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, 2026-07 [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=2026-07 (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, 2026-07}},
  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=2026-07. 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, 2026-07
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=2026-07
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/rankings/mfi-housing-loan-balances/eu-countries?period=2026-07.
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 €1.67 trillion in July 2026, according to the European Central Bank.

Which EU country has the lowest MFI housing loan balances?

Latvia, with €5.88 billion in July 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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