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.

2024年，以未偿还贷款价值为统计口径，英国、德国与法国是欧洲规模最大的三大抵押贷款市场。该年度第二季度，英国未偿还抵押贷款规模超过19亿欧元。其他拥有大型抵押贷款市场的国家包括荷兰、西班牙、瑞典与意大利，上述国家的未偿还抵押贷款规模均突破4000亿欧元。抵押贷款活动的核心驱动因素之一为借贷成本。2022年，欧洲各地利率大幅攀升，爱尔兰与德国仍是平均利率低于4%的少数国家之一。

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。