France Loan Market is anticipated to project robust growth in the forecast period because of low-interest rates, increasing demand from automation in the loan process, and growing marketing strategies.

 

A loan is an agreement in which a lender provides cash to another party in exchange for an interest payment and the return of the funds at the end of the lending arrangement. Loans provide liquidity to businesses and individuals, making them a crucial component of the financial system.

 

The global health crisis caused by the Covid-19 virus and the following impact on the French economy resulted in a significant increase in demand from French homeowners to re-negotiate their existing debts. Over one-third of all house loans from French banks in the three months leading up to May 2021 stemmed from re-negotiations of previous loan agreements. Home loans dominated the French consumer lending industry. Personal loans (including auto loans) were the second largest category, followed by credit card loans.

 

Rising Demand Of Home Loans Will Lead to the Market Growth

With interest rates in France at historically low levels in 2021, it is no surprise that the 12 months up to August 2021 saw more home sale transactions than any time in the previous decade (1,130,000 house sales). Banks specifically emphasize that new mortgage lending from French banks remains continuously robust, with 85% of banks reporting consistent demand for home mortgages. In September 2021, the total volume of house loans in France was USD23.37 billion. The French property market is the right choice from a long-term investing perspective. The French housing market has demonstrated in recent years that it is sufficiently solid and steady to withstand the transitory recession. This is primarily due to the nature of the French mortgage market. In France, 84.4% of borrowers have fixed-rate mortgages, making the French housing market less susceptible to the short ups and downs experienced by other countries. Thus, the high demand for home loans will fuel the France Loan Market.

 

Increase in Online Banking Will Boost The Market Growth

In recent years, there has been a shift toward mobile banking in France, with many residents using online payment apps to pay bills, transfer money, and even pay for groceries. One of Europe's most significant financial changes in recent years has been the growth of digital banking. France, one of Europe's developed economies, has undergone a substantial move toward internet banking; most French banks now promote digital services. Hence, increasing online banking will impact Loan Market in France. In terms of transaction value, mobile payments, credit cards, and other digital payment systems constitute France's most significant segment of FinTech. The increasing use of smartphones and extensive internet access drive demand for mobile financial transactions. Government programs also encourage customers to utilize contactless payment platforms. Thus, the France Loan market will grow faster with the increase in online banking.

 

Low Interest Rates Will Fuel The Market Growth

French consumers also have far lower borrowing costs for housing than their counterparts in other major European nations, partly due to restrictions limiting how quickly banks can raise interest rates. Due to France's low-interest rates, the market for French mortgages has remained strong, with the Banque de France reporting significant loan demand. Throughout 2021, interest rates on French mortgages have been historically low, contributing to the French housing market remaining in excellent condition. The average interest rate on new mortgages in France fell to an all-time low of 1.05% in August 2021. This was the lowest level of interest rates in the recent 50 years. Thus, a low-interest rate in France will lead to the growth of the France Loan market.

 


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Market Segmentation

The France Loan Market is segmented based on type, provider type, interest rate, tenure period, region, and competitional landscape. Based on type, the market is further fragmented into secured and unsecured loans. Based on provider type, the market is segmented into the bank, non-banking financial companies, and others (fintech companies). Based on interest rates, the market is segmented into fixed and floating. The market is segmented based on the tenure period into less than 5 years, 5-10 years, 11-20 years, and more than 20 years. Based on region, the market is divided into Northern France, Western France, Southern France, Eastern France, and Central France.

 

Company Profiles

BNP Paribas Group, Crédit Agricole Group, Societe Generale Group, Groupe BPCE, AXA BANQUE, Crédit Mutuel group, La Banque Postale Group, Crédit du Nord, Banque de France and Dexia Group are also actively entering the market in recent years and further strengthening the market growth.

Attribute

Details

Base Year

2022

Historical Years

2018–2021

Estimated Year

2023E

Forecast Period

2024F –2028F

Quantitative Units

Revenue in USD Million and CAGR for 2018-2022 and 2023E- 2028F

Report Coverage

Revenue forecast, company share, competitive landscape, growth factors, and trends

Segments Covered

Type

Provider Type

Interest Rate

Tenure Period

Company

Regional Scope

Northern France, Western France, Southern France, Eastern France and Central France

Key Companies Profiled

BNP Paribas Group, Crédit Agricole Group, Societe Generale Group, Groupe BPCE, AXA BANQUE, Crédit Mutuel group, La Banque Postale Group, Crédit du Nord, Banque de France and Dexia Group

Customization Scope

10% free report customization with purchase. Addition or alteration to country, regional & segment scope.

Pricing and Purchase Options

Avail customized purchase options to meet your exact research needs. Explore purchase options

Delivery Format

PDF and Excel through Email (We can also provide the editable version of the report in PPT/pdf format on special request)

 

Report Scope:

In this report, France loan market has been segmented into following categories, in addition to the industry trends which have also been detailed below:

  • France Loan Market, By Type:
    • Secured Loan
    • Unsecured Loan
  • France Loan Market, By Provider Type:
    • Bank
    • Non-Banking Financial Companies
    • Others
  • France Loan Market, By Interest Rate:
    • Fixed
    • Floating
  • France Loan Market, By Tenure Period:
    • Less than 5 Years
    • 5-10 Years
    • 11-20 Years
    • More than 20 Years
  • France Loan Market, By Region:
    • Northern France
    • Western France
    • Southern France
    • Eastern France
    • Central France 

Competitive Landscape

Company Profiles: Detailed analysis of the major companies present in France loan market.

Available Customizations:

With the given market data, TechSci Research offers customizations according to a company’s specific needs. The following customization options are available for the report:

Company Information

  • Detailed analysis and profiling of additional market players (up to five).

France Loan Market is an upcoming report to be released soon. If you wish an early delivery of this report or want to confirm the date of release, please contact us at sales@techsciresearch.com

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1.    Introduction

1.1.  Product Overview

1.2.  Key Highlights of the Report

1.3.  Market Coverage

1.4.  Market Segments Covered

1.5.  Research Tenure Considered

2.    Research Methodology

2.1.  Objective of the Study

2.2.  Baseline Methodology

2.3.  Key Industry Partners

2.4.  Major Association and Secondary Sources

2.5.  Forecasting Methodology

2.6.  Data Triangulation & Validation

2.7.  Assumptions and Limitations

3.    Executive Summary         

3.1.  Market Overview

3.2.  Market Forecast

3.3.  Key Regions

3.4.  Key Segments

4.    Voice of Customer Analysis (B2C Market)

4.1.  Sample Size Determination

4.2.  Respondent Demographics

4.2.1.     By Gender

4.2.2.     By Age

4.2.3.     By Occupation

4.3.  Brand Awareness

4.4.  Factors Influencing Purchase Decision

4.5.  Sources of Information

4.6.  Customer Satisfaction

4.7.  Challenges Faced After Purchase

5.    France Loan Market Outlook

5.1.  Market Size & Forecast          

5.1.1.     By Value

5.2.  Market Share & Forecast

5.2.1.    By Type Market Share Analysis (Secured Loan and Unsecured Loan)

5.2.2.    By Provider Type Market Share Analysis (Bank, Non-Banking Financial Companies and Others (Fintech Companies))

5.2.3.    By Interest Rate Market Share Analysis (Fixed and Floating)

5.2.4.    By Tenure Period Market Share Analysis (Less than 5 Years, 5-10 Years, 11-20 Years, More than 20 Years)

5.2.5.    By Regional Market Share Analysis

5.2.5.1.         Northern France Market Analysis

5.2.5.2.         Western France Analysis

5.2.5.3.         Southern France Market Analysis

5.2.5.4.         Eastern France Market Analysis

5.2.5.5.         Central France Market Analysis

5.2.6.     By Company Market Share Analysis

5.3.  France Loan Market Mapping & Opportunity Assessment

5.3.1.     By Type Market Mapping & Opportunity Assessment

5.3.2.     By Provider Type Market Mapping & Opportunity Assessment

5.3.3.     By Interest Rate Market Mapping & Opportunity Assessment

5.3.4.     By Tenure Period Market Mapping & Opportunity Assessment

5.3.5.     By Regional Market Mapping & Opportunity Assessment

6.    France Secured Loan Market Outlook

6.1.  Market Size & Forecast          

6.1.1.     By Value

6.2.  Market Share & Forecast

6.2.1.     By Product Type Market Share Analysis (Mortgage Loan, Housing Loan, Auto Loan and Others (Gold Loan, Life Insurance Loan etc.))

6.2.2.     By Provider Type Market Share Analysis

6.2.3.     By Interest Rate Market Share Analysis

6.2.4.     By Tenure Period Market Share Analysis

7.    France Unsecured Loan Market Outlook

7.1.  Market Size & Forecast          

7.1.1.     By Value

7.2.  Market Share & Forecast

7.2.1.     By Product Type Market Share Analysis (Personal Loan, Education Loan, Agricultural Loan and Others (Home Improvement Loan, Consumer Durable Loan etc.))

7.2.2.     By Provider Type Market Share Analysis

7.2.3.     By Interest Rate Market Share Analysis

7.2.4.     By Tenure Period Market Share Analysis

8.    Market Dynamics

8.1.  Drivers

8.1.1.     Rising demand of home loans

8.1.2.     Increase in online banking

8.1.3.     Low interest rates

8.2.  Challenges

8.2.1.     Data security and privacy concerns

8.2.2.     Surging competition from NBFCs

9.    Impact of COVID-19 on France Loan Market

9.1.  Impact Assessment Model      

9.1.1.     Key Segments Impacted

9.1.2.     Key Regions Impacted

10.  Market Trends & Developments

10.1.              Increasing demand of car loans

10.2.              Rising government initiative

10.3.              Attractive marketing strategies

10.4.              Rising focus towards loan sector by Bank and NBFCs

10.5.              Surge in multichannel collection service

11.  Porter’s Five Forces Model

11.1.              Competition Landscape

11.2.              Buyer Power

11.3.              Supplier Power

11.4.              Threat of New Entrants

11.5.              Threat of Substitutes

12.  Policy & Regulatory Landscape

13.  France Economic Profile

14.  Competitive Landscape

14.1.              Company Profiles

14.1.1.  BNP Paribas Group

14.1.1.1.      Company Details

14.1.1.2.      Product & Services

14.1.1.3.      Financials (As Reported)

14.1.1.4.      Key market Focus & Geographical Presence

14.1.1.5.      Recent Developments

14.1.1.6.      Key Management Personnel

14.1.2.  Crédit Agricole Group

14.1.2.1.      Company Details

14.1.2.2.      Product & Services

14.1.2.3.      Financials (As Reported)

14.1.2.4.      Key market Focus & Geographical Presence

14.1.2.5.      Recent Developments

14.1.2.6.      Key Management Personnel

14.1.3.  Societe Generale Group

14.1.3.1.      Company Details

14.1.3.2.      Product & Services

14.1.3.3.      Financials (As Reported)

14.1.3.4.      Key market Focus & Geographical Presence

14.1.3.5.      Recent Developments

14.1.3.6.      Key Management Personnel

14.1.4.  Groupe BPCE

14.1.4.1.      Company Details

14.1.4.2.      Product & Services

14.1.4.3.      Financials (As Reported)

14.1.4.4.      Key market Focus & Geographical Presence

14.1.4.5.      Recent Developments

14.1.4.6.      Key Management Personnel

14.1.5.  AXA BANQUE

14.1.5.1.      Company Details

14.1.5.2.      Product & Services

14.1.5.3.      Financials (As Reported)

14.1.5.4.      Key market Focus & Geographical Presence

14.1.5.5.      Recent Developments

14.1.5.6.      Key Management Personnel

14.1.6.  Crédit Mutuel group

14.1.6.1.      Company Details

14.1.6.2.      Product & Services

14.1.6.3.      Financials (As Reported)

14.1.6.4.      Key market Focus & Geographical Presence

14.1.6.5.      Recent Developments

14.1.6.6.      Key Management Personnel

14.1.7.  La Banque Postale Group

14.1.7.1.      Company Details

14.1.7.2.      Product & Services

14.1.7.3.      Financials (As Reported)

14.1.7.4.      Key market Focus & Geographical Presence

14.1.7.5.      Recent Developments

14.1.7.6.      Key Management Personnel

14.1.8.  Crédit du Nord

14.1.8.1.      Company Details

14.1.8.2.      Product & Services

14.1.8.3.      Financials (As Reported)

14.1.8.4.      Key market Focus & Geographical Presence

14.1.8.5.      Recent Developments

14.1.8.6.      Key Management Personnel

14.1.9.  Banque de France

14.1.9.1.      Company Details

14.1.9.2.      Product & Services

14.1.9.3.      Financials (As Reported)

14.1.9.4.      Key market Focus & Geographical Presence

14.1.9.5.      Recent Developments

14.1.9.6.      Key Management Personnel

14.1.10.                Dexia Group

14.1.10.1.    Company Details

14.1.10.2.    Product & Services

14.1.10.3.    Financials (As Reported)

14.1.10.4.    Key market Focus & Geographical Presence

14.1.10.5.    Recent Developments

14.1.10.6.    Key Management Personnel

15.  Strategic Recommendations/Action Plan

15.1.              Key Focus Areas

15.2.              Target Regions

15.3.              Target Type

15.4.              Target Provider Type

15.5.              Target Interest Rate

15.6.              Target Tenure Period

16. About Us & Disclaimer

(Note: The companies list can be customized based on the client requirements.)

In case you don’t find what you are looking for, please get in touch with our custom research team at sales@techsciresearch.com