Residential Wealth and Residential Loans Stock : Which Territorial Divergences Today ?

Since 2015 and the beginning of the Quantitative Easing policy by the European Central Bank, the residential loans stock increased by 17 % in France, while the residential wealth just increased by 2,4 %. French departments where the residential wealth decreases and in the same time the total amount of credit increases by more than 17 % are not scarce. This article documents a variety of regional situations : appropriate financing, under-financing, over-financing or absence of voluntarist policy. Whether it be in terms of financial stability or territorial planning, identifying the territories of the wealth-credit divergence is a crucial issue.