General Assessment

Variable(2018)
Data
Main constraints in the development of the housing finance sector  
New developments that will have a major impact on the sector 
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Notes: Through the FSGAS guarantee program that covers certain residential loans on a self-insurance basis, i.e. main banks contribute to FSGAS in case of defaults by member banks.
Notes: "1% Levy" (very small)
Notes: "1% Levy" (very small)
Notes: "1% Levy" (very small)
Notes: "1% Levy" (very small)
Notes: "1% Levy" (very small)
Notes: % of New Mortgages
Notes: % of New Mortgages
Notes: % of New Mortgages
Notes: % of New Mortgages
Notes: % of New Mortgages
Notes: % of New Mortgages
Notes: % of New Mortgages
Notes: % of New Mortgages
Notes: % of New Mortgages
Notes: % of New Mortgages
Notes: % of New Mortgages
Notes: % of New Mortgages
Notes: % of New Mortgages
Notes: % of New Mortgages
Notes: % of New Mortgages
Notes: % of New Mortgages
Notes: % of New Mortgages
Notes: % of New Mortgages
Notes: 1 to 1.5%.
Notes: 1 to 1.5%.
Notes: 122300 Million Euros; Lending for house purchases, new business
Notes: 132700 Million Euros; Lending for house purchases, new business
Notes: 133600 Million Euros; Lending for house purchases, new business
Notes: 142300 Million Euros; Lending for house purchases, new business
Notes: 144900 Million Euros; Lending for house purchases, new business
Notes: 2010 = 100
Notes: 2010 = 100
Notes: 2010 = 100
Notes: 2010 = 100
Notes: 2010 = 100
Notes: 2010 = 100
Notes: 2010 = 100
Notes: 2010 = 100
Notes: 2010 = 100 
Notes: 2010 = 100 
Notes: 2010 = 100 
Notes: 2010 = 100 
Notes: 2010 = 100 
Notes: 2010 = 100 
Notes: 2010 = 100 
Notes: 2010 = 100 
Notes: 2010 = 100 
Notes: 26,452 €/year. Taxable income. IMF annual average market exchange rate for 2007 used (€0.73 = 1 USD).
Notes: 285092 Million Euros; Outstanding amounts at the end of the period (stocks), loans for house purchasing adjusted for sales and securitisation
Notes: 30% for average loan (different for housing, car loans, etc.); usury law.
Notes: 30% for average loan (different for housing, car loans, etc.); usury law.
Notes: 30% for average loan (different for housing, car loans, etc.); usury law.
Notes: 30% for average loan (different for housing, car loans, etc.); usury law.
Notes: 30% for average loan (different for housing, car loans, etc.); usury law.
Notes: 30% for average loan (different for housing, car loans, etc.); usury law.
Notes: 30% for average loan (different for housing, car loans, etc.); usury law.
Notes: 300 Euros; exchange rate 1.25 Euro to USD.
Notes: 300 Euros; exchange rate 1.25 Euro to USD.
Notes: 305254 Million Euros; Outstanding amounts at the end of the period (stocks), loans for house purchasing adjusted for sales and securitisation
Notes: 324636 Million Euros; Outstanding amounts at the end of the period (stocks), loans for house purchasing adjusted for sales and securitisation
Notes: 35%
Notes: 35%. Bond Market disappeared after 2008.
Notes: 350747 Million Euros; Outstanding amounts at the end of the period (stocks), loans for house purchasing adjusted for sales and securitisation
Notes: 385515 Million Euros; Outstanding amounts at the end of the period (stocks), loans for house purchasing adjusted for sales and securitisation
Notes: 438052 Million Euros; Outstanding amounts at the end of the period (stocks), loans for house purchasing adjusted for sales and securitisation
Notes: 503551 Million Euros; Outstanding amounts at the end of the period (stocks), loans for house purchasing adjusted for sales and securitisation
Notes: 578563 Million Euros; Outstanding amounts at the end of the period (stocks), loans for house purchasing adjusted for sales and securitisation
Notes: 60% (Rough estimate).
Notes: 60% (Rough estimate).
Notes: 652923 Million Euros; Outstanding amounts at the end of the period (stocks), loans for house purchasing adjusted for sales and securitisation
Notes: 709955 Million Euros; Outstanding amounts at the end of the period (stocks), loans for house purchasing adjusted for sales and securitisation
Notes: 737582 Million Euros; Outstanding amounts at the end of the period (stocks), loans for house purchasing adjusted for sales and securitisation
Notes: 76700 Million Euros; Lending for house purchases, new business
Notes: 798113 Million Euros Outstanding amounts at the end of the period (stocks), loans for house purchasing adjusted for sales and securitisation
Notes: 81100 Million Euros; Lending for house purchases, new business
Notes: 847049 Million Euros Outstanding amounts at the end of the period (stocks), loans for house purchasing adjusted for sales and securitisation
Notes: 874184 Million Euros Outstanding amounts at the end of the period (stocks), loans for house purchasing adjusted for sales and securitisation
Notes: 89700 Million Euros; Lending for house purchases, new business
Notes: 90200 Million Euros; Lending for house purchases, new business
Notes: 98500 Million Euros; Lending for house purchases, new business
Notes: Action logement (commonly named 1% logement) plays a marginal role
Notes: Action logement (commonly named 1% logement) plays a marginal role
Notes: Action logement (commonly named 1% logement) plays a marginal role
Notes: Action logement (commonly named 1% logement) plays a marginal role
Notes: Action logement (commonly named 1% logement) plays a marginal role
Notes: Action logement (commonly named 1% logement) plays a marginal role
Notes: Action logement (commonly named 1% logement) plays a marginal role
Notes: Action logement (commonly named 1% logement) plays a marginal role
Notes: Action logement (commonly named 1% logement) plays a marginal role
Notes: Action logement (commonly named 1% logement) plays a marginal role
Notes: Action logement (commonly named 1% logement) plays a marginal role
Notes: Action logement (commonly named 1% logement) plays a marginal role
Notes: Actual value is -0.45
Notes: Actual value is -0.56
Notes: Actual value is -0.78
Notes: Actual value is -0.84
Notes: All France (Urban + Rural)
Notes: All France (urban + rural)
Notes: All France (urban + rural)
Notes: All France (urban + rural)
Notes: All France (urban + rural)
Notes: All France (Urban + Rural)
Notes: All France (urban + rural)
Notes: All France (urban + rural)
Notes: All France (urban + rural)
Notes: All France (urban + rural)
Notes: All France (urban + rural)
Notes: All France (urban + rural)
Notes: All France (urban + rural)
Notes: All France (urban + rural)
Notes: All France (urban + rural)
Notes: All France (urban + rural)
Notes: All France (urban + rural)
Notes: All France (urban + rural)
Notes: All France (urban + rural)
Notes: All France (urban + rural)
Notes: All France (urban + rural)
Notes: All France (urban + rural)
Notes: All France (urban + rural)
Notes: All France (urban + rural)
Notes: All France (urban + rural)
Notes: All France (urban + rural)
Notes: All France (urban + rural)
Notes: All France (urban + rural)
Notes: All France (urban + rural)
Notes: All France (urban + rural)
Notes: All France (Urban + Rural)
Notes: All France (Urban + Rural)
Notes: All France (Urban + Rural)
Notes: All France (Urban + Rural)
Notes: All France (Urban + Rural)
Notes: All France (Urban + Rural)
Notes: All France (Urban + Rural)
Notes: All France (urban + rural)
Notes: All France (urban + rural)
Notes: All France (urban + rural)
Notes: All France (urban + rural)
Notes: All France (urban + rural)
Notes: All France (urban + rural)
Notes: All France (urban + rural)
Notes: All France (urban + rural)
Notes: All France (urban + rural)
Notes: All France (urban + rural)
Notes: All France (urban + rural)
Notes: All France (urban + rural)
Notes: All France (urban + rural)
Notes: All France (urban + rural)
Notes: All France (urban + rural)
Notes: All France (Urban + Rural)
Notes: All France (Urban + Rural)
Notes: All France (urban + rural)
Notes: All France (urban + rural)
Notes: All France (urban + rural)
Notes: All France (urban + rural)
Notes: All France (urban + rural)
Notes: All France (urban + rural)
Notes: All France (urban + rural)
Notes: All France (urban + rural)
Notes: All France (urban + rural)
Notes: All France (urban + rural)
Notes: All France (urban + rural)
Notes: All France (urban + rural)
Notes: All France (urban + rural)
Notes: All France (urban + rural)
Notes: All France (urban + rural)
Notes: All France (urban + rural)
Notes: All France (urban + rural)
Notes: All France (urban + rural)
Notes: All France (urban + rural)
Notes: All France (urban + rural)
Notes: All France (urban + rural)
Notes: All France (urban + rural)
Notes: All France (urban + rural)
Notes: All France (urban + rural)
Notes: All France (urban + rural)
Notes: All France (urban + rural)
Notes: All France (urban + rural)
Notes: All France (urban + rural)
Notes: All France (urban + rural)
Notes: All France (urban + rural)
Notes: All France (urban + rural) 
Notes: All France (urban + rural) 
Notes: Although tax release stopped in 1998, since 2007 there is a new one.
Notes: Although tax release stopped in 1998, since 2007 there is a new one.
Notes: Although there are no credit bureaus, some lenders have private credit files.
Notes: Although there are no credit bureaus, some lenders have private credit files.
Notes: Annual average,
Notes: Annual average.
Notes: Annual average.
Notes: Annual average.
Notes: Annual average.
Notes: Annual average.
Notes: Annual average.
Notes: Annual average.
Notes: Annual average.
Notes: Annual average.
Notes: Annual average.
Notes: Annual average.
Notes: Annual average.
Notes: Annual average.
Notes: Annual average.
Notes: Annual average.
Notes: Annual average.
Notes: Annual average.
Notes: Annual average.
Notes: Annual average.
Notes: Annual average.
Notes: Annual average.
Notes: Annual average.
Notes: Annual average.
Notes: Annual average.
Notes: Annual average.
Notes: Annual average.
Notes: Annual average.
Notes: Annual average.
Notes: Annual average.
Notes: Annual average.
Notes: Annual average.
Notes: Annual average.
Notes: Annual average.
Notes: Annual average.
Notes: Annual average.
Notes: Annual average.
Notes: Annual average.
Notes: Annual average.
Notes: Annual average.
Notes: Annual average.
Notes: Annual average.
Notes: Annual average.
Notes: Annual average.
Notes: Annual average.
Notes: Annual average.
Notes: Annual average.
Notes: Annual average.
Notes: Approximately 10-15% benefit from FGAS guarantee.
Notes: Approximately 10-15% benefit from FGAS guarantee.
Notes: Approximately 10-15% benefit from FGAS guarantee.
Notes: Approximately 10-15% benefit from FGAS guarantee.
Notes: Approximately 10-15% benefit from FGAS guarantee.
Notes: Approximately 10-15% benefit from FGAS guarantee.
Notes: Approximately 10-15% benefit from FGAS guarantee.
Notes: Assumed by Country Editors
Notes: Assumed by Country Editors
Notes: Assumed by Country Editors
Notes: Assumed by Country Editors
Notes: Assumed by Country Editors
Notes: Assumed by Country Editors
Notes: Assumed by Country Editors
Notes: Assumed by Country Editors
Notes: Assumed by Country Editors
Notes: Assumed by Country Editors
Notes: Assumed by Country Editors
Notes: Assumed by Country Editors
Notes: Assumed by Country Editors
Notes: Assumed by Country Editors
Notes: Assumed by Country Editors
Notes: Assumed by Country Editors
Notes: Assumed by Country Editors
Notes: Assumed by Country Editors
Notes: Assumed by Country Editors 
Notes: Average price per square meter at the national level = 4303
Notes: Average price per square meter at the national level = 4393
Notes: Average price per square meter at the national level = 4460
Notes: Average price per square meter at the national level = 4804
Notes: Data for 1994-1995.
Notes: Existing housing.
Notes: Existing housing.
Notes: Existing housing.
Notes: Existing housing.
Notes: Existing housing.
Notes: Existing housing.
Notes: Existing housing.
Notes: Existing housing.
Notes: Existing housing.
Notes: Existing housing.
Notes: Existing housing.
Notes: Existing housing.
Notes: Existing housing.
Notes: Existing housing.
Notes: Existing housing.
Notes: Existing housing.
Notes: Existing housing.
Notes: Experian end IFC do exist but they are not active as credit bureaus
Notes: Experian end IFC do exist but they are not active as credit bureaus
Notes: Experian end IFC do exist but they are not active as credit bureaus
Notes: Experian end IFC do exist but they are not active as credit bureaus
Notes: Experian end IFC do exist but they are not active as credit bureaus
Notes: Experian end IFC do exist but they are not active as credit bureaus
Notes: Experian end IFC do exist but they are not active as credit bureaus
Notes: Experian end IFC do exist but they are not active as credit bureaus
Notes: Experian end IFC do exist but they are not active as credit bureaus
Notes: Experian end IFC do exist but they are not active as credit bureaus
Notes: Experian end IFC do exist but they are not active as credit bureaus
Notes: Experian end IFC do exist but they are not active as credit bureaus
Notes: Experian end IFC do exist but they are not active as credit bureaus
Notes: Experian end IFC do exist but they are not active as credit bureaus
Notes: Experian end IFC do exist but they are not active as credit bureaus
Notes: Experian end IFC do exist but they are not active as credit bureaus
Notes: Experian end IFC do exist but they are not active as credit bureaus
Notes: House price index, new + existing units, Metropolitan France excluding Corsica, Q1 (n+1)/Q1(n)
Notes: House price index, new + existing units, Metropolitan France excluding Corsica, Q1 (n+1)/Q1(n)
Notes: House price index, new + existing units, Metropolitan France excluding Corsica, Q1 (n+1)/Q1(n)
Notes: House price index, new + existing units, Metropolitan France excluding Corsica, Q1 (n+1)/Q1(n)
Notes: House price index, new + existing units, Metropolitan France excluding Corsica, Q1 (n+1)/Q1(n)
Notes: House price index, new + existing units, Metropolitan France excluding Corsica, Q1 (n+1)/Q1(n)
Notes: House price index, new + existing units, Metropolitan France excluding Corsica, Q1 (n+1)/Q1(n)
Notes: House price index, new + existing units, Metropolitan France excluding Corsica, Q1 (n+1)/Q1(n)
Notes: House price index, new + existing units, Metropolitan France excluding Corsica, Q1 (n+1)/Q1(n) 
Notes: House price index, new + existing units, Metropolitan France excluding Corsica, Q1 (n+1)/Q1(n)  
Notes: House price index, new + existing units, Metropolitan France excluding Corsica, Q1 (n+1)/Q1(n)
Notes: houses sold by developers, average price, national level
Notes: houses sold by developers, average price, national level
Notes: houses sold by developers, average price, national level
Notes: houses sold by developers, average price, national level
Notes: houses sold by developers, average price, national level
Notes: houses sold by developers, average price, national level
Notes: houses sold by developers, average price, national level
Notes: houses sold by developers, average price, national level
Notes: houses sold by developers, average price, national level
Notes: houses sold by developers, average price, national level
Notes: houses sold by developers, average price, national level
Notes: houses sold by developers, average price, national level
Notes: houses sold by developers, average price, national level
Notes: houses sold by developers, average price, national level
Notes: houses sold by developers, average price, national level
Notes: Median cost price for a fully finished house.
Notes: Median cost price for a fully finished house.
Notes: Median cost price for a fully finished house.
Notes: Median cost price for a fully finished house.
Notes: Median cost price for a fully finished house.
Notes: Median cost price for a fully finished house.
Notes: Median cost price for a fully finished house.
Notes: Median cost price for a fully finished house.
Notes: Median cost price for a fully finished house.
Notes: Median cost price for a fully finished house.
Notes: Median cost price for a fully finished house.  
Notes: Median cost price for a fully finished house.  
Notes: Median cost price for a fully finished house.
Notes: Median House Price in USD
Notes: Median House Price in USD
Notes: Median House Price in USD
Notes: Median House Price in USD
Notes: Median House Price in USD
Notes: Median House Price in USD
Notes: Median House Price in USD
Notes: Median House Price in USD
Notes: Median House Price in USD
Notes: Median House Price in USD
Notes: Median House Price in USD
Notes: Median House Price in USD
Notes: Median House Price in USD
Notes: Median House Price in USD
Notes: Mortgage insurance in France is public-private
Notes: Mortgage registration tax: 0.5% of loan value.
Notes: Mortgage registration tax: 0.5% of loan value.
Notes: Mortgage registration tax: 0.5% of loan value.
Notes: Mortgage registration tax: 0.5% of loan value.
Notes: Mortgage registration tax: 0.5% of loan value.
Notes: Mortgage registration tax: 0.5% of loan value.
Notes: Mortgage registration tax: 0.5% of loan value.
Notes: Notaries-INSEE house price index (second hand only)
Notes: Notaries-INSEE house price index (second hand only)
Notes: Notaries-INSEE house price index (second hand only)
Notes: Notaries-INSEE house price index (second hand only)
Notes: Notaries-INSEE house price index (second hand only)
Notes: Notaries-INSEE house price index (second hand only)
Notes: Notaries-INSEE house price index (second hand only)
Notes: Notaries-INSEE house price index (second hand only)
Notes: Notaries-INSEE house price index (second hand only)
Notes: Notaries-INSEE house price index (second hand only)
Notes: Notaries-INSEE house price index (second hand only)
Notes: number of networks
Notes: number of networks
Notes: number of networks
Notes: number of networks
Notes: On second properties only, not main residence.
Notes: On second properties only, not main residence.
Notes: On second properties only, not main residence.
Notes: On second properties only, not main residence.
Notes: On second properties only, not main residence.
Notes: On second properties only, not main residence.
Notes: On second properties only, not main residence.
Notes: On second properties only, not main residence.
Notes: On second properties only, not main residence.
Notes: On second properties only, not main residence.
Notes: On second properties only, not main residence.
Notes: On second properties only, not main residence.
Notes: One missing item among: hot water, tub or shower
Notes: One missing item among: hot water, tub or shower
Notes: One missing item among: hot water, tub or shower
Notes: One missing item among: hot water, tub or shower
Notes: One missing item among: hot water, tub or shower
Notes: One missing item among: hot water, tub or shower
Notes: People accommodated for free
Notes: Please visit the Research Center or download the full data set for 1995 data
Notes: PSLA: renting with option to buy or a new form of community land and trust
Notes: SFEF
Notes: SFET
Notes: There are very few repossessions.
Notes: There are very few repossessions.
Notes: There are very few repossessions.
Notes: There are very few repossessions.
Notes: There are very few repossessions.
Notes: There are very few repossessions.
Notes: There are very few repossessions.
Notes: Through the FSGAS guarantee program that covers certain residential loans on a self-insurance basis, i.e. main banks contribute to FSGAS in case of defaults by member banks.
Notes: Through the FSGAS guarantee program that covers certain residential loans on a self-insurance basis, i.e. main banks contribute to FSGAS in case of defaults by member banks.
Notes: Through the FSGAS guarantee program that covers certain residential loans on a self-insurance basis, i.e. main banks contribute to FSGAS in case of defaults by member banks.
Notes: Through the FSGAS guarantee program that covers certain residential loans on a self-insurance basis, i.e. main banks contribute to FSGAS in case of defaults by member banks.
Notes: Through the FSGAS guarantee program that covers certain residential loans on a self-insurance basis, i.e. main banks contribute to FSGAS in case of defaults by member banks.
Notes: Through the FSGAS guarantee program that covers certain residential loans on a self-insurance basis, i.e. main banks contribute to FSGAS in case of defaults by member banks.
Notes: Through the FSGAS guarantee program that covers certain residential loans on a self-insurance basis, i.e. main banks contribute to FSGAS in case of defaults by member banks.
Notes: Through the FSGAS guarantee program that covers certain residential loans on a self-insurance basis, i.e. main banks contribute to FSGAS in case of defaults by member banks.
Notes: Through the FSGAS guarantee program that covers certain residential loans on a self-insurance basis, i.e. main banks contribute to FSGAS in case of defaults by member banks.
Notes: Through the FSGAS guarantee program that covers certain residential loans on a self-insurance basis, i.e. main banks contribute to FSGAS in case of defaults by member banks.
Notes: Through the FSGAS guarantee program that covers certain residential loans on a self-insurance basis, i.e. main banks contribute to FSGAS in case of defaults by member banks.
Notes: Through the FSGAS guarantee program that covers certain residential loans on a self-insurance basis, i.e. main banks contribute to FSGAS in case of defaults by member banks.
Notes: Through the FSGAS guarantee program that covers certain residential loans on a self-insurance basis, i.e. main banks contribute to FSGAS in case of defaults by member banks.