The benchmark interest rate in France was last recorded at 4.50 percent. This dataset provides - France Interest Rate - actual values, historical data, forecast, chart, statistics, economic calendar and news.

View monthly updates and historical trends for France Long Term Interest Rate. Source: European Central Bank. Track economic data with YCharts analytics.

The mortgage interest rate in France had been on a downward trend for nearly a decade, until it started to rise in 2022. In the first quarter of 2025, the interest rate amounted to *** percent, down from **** percent during the peak in the first quarter of the year. A similar trend can be observed across most European countries.

Key information about France Long Term Interest Rate

• France Long Term Interest Rate: Month Avg: France: ECB Harmonised was reported at 3.44 % pa in Oct 2025, compared with 3.51 % pa in the previous month.
• France Long Term Interest Rate data is updated monthly, available from Jan 1986 to Oct 2025.
• The data reached an all-time high of 10.70 % pa in Oct 1987 and a record low of -0.34 % pa in Dec 2020.
• Long Term Interest Rate is reported by reported by CEIC Data.

• In the latest reports, France Short Term Interest Rate: Month End: EURIBOR: 3 Months was reported at -0.57 % pa in Nov 2021.
• The cash rate (Policy Rate: Month End: Main Refinancing Operations) was set at 2.15 % pa in Nov 2025.
• France Exchange Rate against USD averaged 0.86 (USD/EUR) in Oct 2025.

Monthly and long-term France Interest Rate data: historical series and analyst forecasts curated by FocusEconomics.

Graph and download economic data for Interest Rates: Immediate Rates (< 24 Hours): Call Money/Interbank Rate: Total for France (IRSTCI01FRA156N) from 1955 to 2024 about interbank, France, overnight, interest rate, interest, and rate.

The average mortgage interest rate in France declined for almost a decade before increasing dramatically in 2022. As of ************, new housing loans had an average interest rate of *** percent - about twice higher than the year before. This trend was observed in most countries across Europe.

How has the mortgage reacted to the interest rate hike? The value of new mortgage lending in France decreased notably in the third quarter of 2022, possibly as a response to the higher lending costs. Additionally, soaring inflation has also played a major role in decreasing home buyer sentiment by eroding savings and the purchasing power of prospective home buyers.

How have house prices reacted to the change? Though house prices have steadily increased since 2016, the growth was the highest in the third quarter of 2021 when the house price index jumped from *** to *** index points. In 2022, the increase of residential real estate prices slowed down, with a forecast to turn negative in 2023. According to a July 2022 forecast, house prices are set to decline by **** percent in 2023.

The annual average interest rate on new residential loans in France continued to rise in 2023, after increasing for the first time in 2022 following a 10-year period of year-on-year decline. In 2023, the average interest rate was **** percent, up from **** percent in 2021, when mortgage rates were at record-low.

Graph and download economic data for Interest Rates: Immediate Rates (< 24 Hours): Call Money/Interbank Rate: Total for France (IRSTCI01FRQ156N) from Q1 1955 to Q3 2025 about interbank, France, overnight, interest rate, interest, and rate.

Bank Lending Rate in France increased to 3.45 percent in September from 3.40 percent in August of 2025. This dataset provides the latest reported value for - France Bank Lending Rate - plus previous releases, historical high and low, short-term forecast and long-term prediction, economic calendar, survey consensus and news.

View monthly updates and historical trends for France Long-Term Interest Rates. Source: Organisation for Economic Co-operation and Development. Track econ…

Key information about France Policy Rate

• France cash rate (Policy Rate: Month End: Main Refinancing Operations) was set at 2.15 % pa in Nov 2025, compared with 2.15 % pa in the previous Oct 2025.
• France Policy Rate averaged 1.00 % pa and is updated monthly, available from Jan 1999 to Nov 2025.
• The data reached an all-time high of 4.75 % pa in Apr 2001 and a record low of 0.00 % pa in Jun 2022.

• In the latest reports, France Short Term Interest Rate: Month End: EURIBOR: 3 Months was reported at -0.57 % pa in Nov 2021.
• Its Long Term Interest Rate (Long Term Interest Rate: Month Avg: France: ECB Harmonised ) was reported at 3.44 % pa in Oct 2025.
• France Exchange Rate against USD averaged 0.86 (USD/EUR) in Oct 2025.
• Its Real Effective Exchange Rate was 91.25 in Oct 2025.

Graph and download economic data for Interest Rates: 3-Month or 90-Day Rates and Yields: Interbank Rates: Total for France (IR3TIB01FRM156N) from Jan 1970 to Oct 2025 about interbank, France, 3-month, yield, interest rate, interest, and rate.

Key information about France Short Term Interest Rate

• France Short Term Interest Rate: Month End: EURIBOR: 3 Months was reported at -0.57 % pa in Nov 2021, compared with -0.55 % pa in the previous month.
• France Short Term Interest Rate data is updated monthly, available from Dec 1998 to Nov 2021.
• The data reached an all-time high of 5.28 % pa in Sep 2008 and a record low of -0.57 % pa in Nov 2021.
• Short Term Interest Rate is reported by reported by European Money Markets Institute.

• In the latest reports, France Long Term Interest Rate: Month Avg: France: ECB Harmonised was reported at 2.85 % pa in Feb 2024.
• The cash rate (Policy Rate: Month End: Main Refinancing Operations) was set at 4.50 % pa in Apr 2024.
• France Exchange Rate against USD averaged 0.92 (USD/EUR) in Jun 2023.

Graph and download economic data for Interest Rates: Long-Term Government Bond Yields: 10-Year: Main (Including Benchmark) for France (IRLTLT01FRQ156N) from Q1 1960 to Q3 2025 about France, long-term, 10-year, bonds, yield, government, interest rate, interest, and rate.

This statistic represents the change in the key interest rate of the European Central Bank in France from 2010 to 2021. According to the source, the key interest rate set for France was * percent in 2017.

Long-term interest rate in France, September, 2025 The most recent value is 3.51 percent as of September 2025, an increase compared to the previous value of 3.42 percent. Historically, the average for France from January 1960 to September 2025 is 6.41 percent. The minimum of -0.34 percent was recorded in August 2019, while the maximum of 17.32 percent was reached in June 1981. | TheGlobalEconomy.com

Key information about France Bank Lending Rate

• France Bank Lending Rate was reported at 3.450 % pa in Sep 2025.
• This records an increase from the previous number of 3.390 % pa for Aug 2025.
• France Bank Lending Rate data is updated monthly, averaging 2.249 % pa from Jan 2003 to Sep 2025, with 273 observations.
• The data reached an all-time high of 5.630 % pa in Sep 2008 and a record low of 0.748 % pa in May 2020.
• France Bank Lending Rate data remains active status in CEIC and is reported by CEIC Data.
• The data is categorized under World Trend Plus’s Global Economic Monitor – Table: Bank Lending Rate: Monthly.

Mortgage interest rates in Europe soared in 2022 and remained elevated in the following two years. In many countries, this resulted in mortgage interest rates across the region more than doubling. In the first quarter of 2025, the average mortgage interest rate in the UK stood at **** percent. Spain had the lowest rate, at **** percent, while Poland had the highest, at *** percent. Why did mortgage interest rates increase? Mortgage rates have risen as a result of the European Central Bank (ECB) interest rate increase. The ECB increased its interest rates to tackle inflation. As inflation calms, the ECB is expected to cut rates, which allows mortgage lenders to reduce mortgage interest rates. What is the impact of interest rates on home buying? Lower interest rates make taking out a housing loan more affordable, and thus, encourage home buying. That can be seen in many countries across Europe: In France, the number of residential properties sold rose in the years leading up to 2021, and fell as interest rates increased. The number of houses sold in the UK followed a similar trend.

View monthly updates and historical trends for France Maastricht Criterion Interest Rate. Source: Eurostat. Track economic data with YCharts analytics.