Outstanding residential mortgage lending in Europe 2024, by country

The United Kingdom, Germany, and France were the countries with the largest mortgage markets in Europe in 2024, when considering the value of loans outstanding. In the second quarter of the year, the UK had more than 1.9 billion euros worth of mortgages outstanding. Other countries with large mortgage markets included the Netherlands, Spain, Sweden, and Italy - all exceeding 400 billion euros. One of the main drivers of mortgage activity is the cost of borrowing. In 2022, interest rates increased dramatically across Europe. Ireland, and Germany remained among the few countries with an average interest rate under four percent.

搜集汇总

背景与挑战

背景概述

该数据集统计了2025年第四季度欧洲各国住宅抵押贷款的未偿还总额，以十亿欧元为单位，覆盖了英国、德国、法国、荷兰、瑞典、西班牙和意大利等主要国家。数据显示，英国和德国的未偿还抵押贷款额最高，均超过万亿欧元，而抵押贷款活动受到借贷成本的影响，2025年利率仍高于2021年水平。