The mortgage market in France

According to the Observatoire Crédit Logement / CSA, the average rate on mortgages granted in France reaches 3.49% in October 2026, after 3.40% in September, 0.33 points higher than in December 2025. The Banque de France measures 3.32% in September 2026 for new home loans excluding renegotiations, against 3.10% in August 2025. According to Challenges, bank rate scales in September 2026 reach 3.6% over twenty years.

According to the Observatoire Crédit Logement / CSA, the average term of mortgages granted in France is 253 months in October 2026, just over 21 years. Loans of 25 years or more represent 49.3% of production, against 46.5% in 2025: banks are lengthening terms to preserve households’ borrowing capacity. The relative cost of a purchase holds at 4.2 years of the borrower’s income, the same level as in October 2025.

Since 2022, the decision of the Haut Conseil de stabilité financière (HCSF, the French High Council for Financial Stability) has been legally binding on banks in France: a debt-service ratio of 35% at most and a term of 25 years maximum, according to the Lettre Trésor-Eco of April 2025. The Direction générale du Trésor (the French Treasury) estimates that this measure reduced borrowers’ average debt-service ratio by 1.6 to 2.2 points. The mortgage market in France is also subject to the usury rate, revised by the Banque de France.

The prêt à taux zéro (PTZ, the French zero-interest loan) complements first-time buyers’ mortgages in France. According to Service-Public.fr, for an offer issued since April 2025, it finances up to 50% of the cost of a new flat for the lowest incomes, and up to 30% of a house. For existing homes, it is reserved for municipalities in zones B2 and C, with at least 25% of works. Challenges also cites the Action Logement loan at 1% over €30,000.

The mortgage market in France is dominated by mutual and commercial bank networks, which lend directly or through brokers, and by guarantee companies such as Crédit Logement. Neobanks are arriving: according to Challenges, Revolut, which claims 8 million customers in France, has obtained a French banking licence from the Autorité de contrôle prudentiel et de résolution (ACPR, the French banking supervisor) and plans to offer mortgages there. According to the Revue Banque, loans remain almost all fixed-rate.

A PDF report in French, 2026 edition, organised in six chapters: definition and scope of mortgage lending, production and outstanding amounts, borrowers, banks and intermediaries, the regulatory framework, and market outlook.

It relies on Banque de France statistics, the Observatoire Crédit Logement / CSA, the work of the Direction générale du Trésor and the HCSF, official texts on the zero-interest loan, and trade press articles from the IndexPresse database. Every figure comes with its source and period.

Yes. The study is updated before it is sent, within 48 hours at most: it includes the latest published data, and every figure comes with its source and period.

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