Loading page content
Data from FMP. Forecasts by Sigmanomics Forecast Engine.
European UnionEurozone Loans to Households YoY held to 3.1% in September 2026
FMPMonthlyReleased October 2026
Eurozone Loans to Households YoY held to 3.1% in September 2026, released October 2026. The reading matched the 3.1% consensus. Year-over-year, the indicator is up 0.5%. Over the past 3 months, Loans to Households YoY averaged 3.1%, vs 3.03% in the prior 3-month window. Loans to Households YoY is now the highest in 36 months.
Latest Release
3.1
Actual
3.1
Consensus
3.1
Previous
Median Absolute Error
±0.1 percentage points
across last 12 releases
Last Call
Oct 2026
Predicted: 3.13
Actual: 3.1
Error: +0.02
Sigmacast Σ-direction model: consensus + ½ × mean(surprise, trailing 90d).
CORRELATED SYMBOLS— markets that historically move with this indicator
| Symbol | Direction | Correlation | Asset Class | Co-movement | Action |
|---|---|---|---|---|---|
| EUR/CHF | ▼ Inverse | −0.56 | FOREX | Moves against | → View |
| EUR/JPY | ▲ Direct | +0.53 | FOREX | Moves with | → View |
| BTC/USD | ▲ Direct | +0.53 | CRYPTO | Moves with | → View |
| S&P 500 | ▲ Direct | +0.50 | INDEX | Moves with | → View |
| EUR/GBP | ▼ Inverse | −0.38 | FOREX | Moves against | → View |
Correlation based on 12-month rolling window. Click any symbol to view its Sigmanomics forecast page.
THE RELEASE
Loans to Households YoY (European Union) was reported at 3.1% in October 2026. This matched the market consensus of 3.1% exactly. The reading was unchanged from the previous release. Trailing 12-month context per ETL data through October 2026. Over the past 12 months, the indicator has averaged 3.01%, ranging from 2.8% to 3.1% across 11 releases.
WHY IT MATTERS
The trailing three releases averaged 3.1%, up from the prior three at 3.03%. Volatility over the past year (σ 0.09%) is lower than the prior year (σ 0.6%). In October readings over the past 3 years, Loans to Households YoY has averaged 2.13%.
THE MODEL'S TAKE
Historically, this indicator is negatively correlated with EUR/CHF (Bearish EUR). A secondary relationship exists with EUR/JPY, positively correlated (Bullish EUR). Over the last 12 releases, the Sigmacast model's median absolute error is 0.1%.
WHAT TO WATCH NEXT
The next release is scheduled for November 26, 2026. Same-country events in the next 14 days include CFTC EUR speculative net positions (Oct 30) and Inflation Rate YoY (Nov 4).
Auto-generated from current model state · Refreshes on each release · Last update October 2026.
SHARE
Loans to Households YoY - EU
Loading chart data...
About Loans to Households YoY — European Union
DEFINITION
"Loans to Households YoY is a key financial indicator that measures the year-over-year change in the amount of loans granted to individual households. This metric provides valuable insights into the overall health of the consumer credit market and can help inform decisions related to lending and borrowing activities."
WHY THIS INDICATOR MATTERS
This release contributes to the broader macro picture used by cross-asset investors for positioning and risk management. The release is more useful as part of a longer-run signal than as a single-print catalyst. Released monthly.
WHAT CHANGED THIS MONTH
Latest reading (Sep 2026): actual 3.1 %, consensus 3.1 %. Prior reading (Aug 2026): 3.1 %. Before that (Jul 2026): 3.1 %.
WHAT'S NEXT
Sigmacast's 1-month forecast points to a similar reading versus the latest print, with the 3-month outlook reinforcing that direction. Both horizons are aligned bullish for this indicator, suggesting a consistent trend signal. Trend-driven dynamics are the primary tailwind in the current projection. This indicator correlates most strongly with EUR/CHF (Bearish EUR, r=-0.56) — a useful reference for forex-focused traders.
Σ
EXPECTED ZONE
SIGMANOMICS MARKET FORECAST ENGINE
Multi-horizon symbol forecasts, Rolling-Surprise economic predictions, and programmatic API access.
Expected Zones · Trade Bias · Confidence Intervals · API Access · 1,456+ instruments
FOREXCRYPTOSTOCKSCOMMODITIESINDICESAPI
BLSBEAFMPWORLD BANKFRED
1,456+ instruments247 indicators530+ correlationsREST + GQL API
4,151 economic indicators127 countries covered6 data sources
FREDBLSEIAECBBOJFMP
Economic Calendar - EU Events
| Thursday, October 29, 2026 | Actual | Previous | Consensus | Sigmanomics Rolling-Surprise Forecast | Impact | ||
|---|---|---|---|---|---|---|---|
| 10:00 | EU | Industrial Sentiment | -3.4 | -3.9 | -3.8 | -3.60 | Low |
| 10:00 | EU | Consumer Inflation Expectation | 33.9 | 34.7 | 38 | 35.95 | Low |
| 10:00 | EU | Selling Price Expectations | 24.8 | 20.8 | 22 | 23.40 | Low |
| 10:00 | EU | Services Sentiment | 5.3 | 5.9 | 5.9 | 5.60 | Low |
| 10:00 | EU | Economic Sentiment | 96.9 | 97.5 | 97.5 | 97.20 | Medium |
| 10:00 | EU | Consumer Confidence | -17.9 | -16.8 | -17.9 | -17.90 | Low |
| 13:15 | EU | Deposit Facility Rate | 2.5 | 2.5 | 2.5 | 2.50 | High |
| 13:15 | EU | Interest Rate Decision | 2.65 | 2.65 | 2.65 | 2.65 | High |
| 13:15 | EU | Marginal Lending Rate | 2.9 | 2.9 | 2.9 | 2.90 | Low |