European Union
The EU home owners with outstanding mortgages
In 2014, over a quarter (27.8 percent) of the EU's population lived in an owner-occupied home with an outstanding loan or mortgage. 43 percent of Europeans lived in owner-occupied homes without loans or mortgages. Sweden has the most property owners with outstanding mortgages at 61.3 percent while Romania has the least with just 0.7 percent, according to Eurostat.
Description
This chart shows the percentage of EU property owners with a mortgage or loan in 2014.
Share of the population in European countries who are owner-occupants in 2024, with or without a mortgage
Percentage of population with home ownership subject to mortgage loan or credit in the European Union (EU-28) in 2021, by country
Share of households owning real estate and having taken out a loan or a mortgage or not, by country in Europe in 2020
Percentage of population owning a home in the European Union (EU-27) in 2022, by country
Total outstanding residential mortgage lending in Europe, by country in 4th quarter 2025 (in billion euros)
Home ownership rate in the European Union (28 countries) from 2010 to 2018
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