# Composite cost of borrowing for house purchase in Croatia

Composite cost of borrowing for house purchase in Croatia was 2.91% in August 2026. Source: European Central Bank.

- Indicator id: `ecb_housing_borrowing_cost`
- Place id: `hr`
- Unit: %
- Definition: Monthly composite interest rate on new bank loans to households and non-profit institutions serving households for house purchase, in percent per year. Rates across initial rate fixation periods are combined using 24-month moving averages of new loan volumes.
- Note: Annualised agreed rates or narrowly defined effective rates (AAR/NDER) measure interest and exclude fees and other charges. This ECB composite uses moving-average weights, while mortgage_interest_rate from Banco de España uses the volumes of the current month. The euro area aggregate has changing membership. Country histories start at different dates; values may be revised.
- Source: European Central Bank, ECB MIR composite cost of borrowing for households for house purchase, new business (A2C.AM.R.A.2250.EUR.N) (https://data-api.ecb.europa.eu/service/data/MIR/M.AT+BE+BG+CY+DE+EE+ES+FI+FR+GR+HR+IE+IT+LT+LU+LV+MT+NL+PT+SI+SK+U2.B.A2C.AM.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01)
- Publisher page: https://invokely.ai/en/publishers/european-central-bank
- Retrieved: 2026-10-12
- License: ESCB statistics reuse policy (free commercial and non-commercial reuse, source must be quoted)
- Citation: European Central Bank. ECB MIR composite cost of borrowing for households for house purchase, new business (A2C.AM.R.A.2250.EUR.N). https://data-api.ecb.europa.eu/service/data/MIR/M.AT+BE+BG+CY+DE+EE+ES+FI+FR+GR+HR+IE+IT+LT+LU+LV+MT+NL+PT+SI+SK+U2.B.A2C.AM.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01. Retrieved 2026-10-12.
- Web page: https://invokely.ai/en/housing-borrowing-cost/croatia
- API: https://invokely.ai/api/v1/series?indicator=ecb_housing_borrowing_cost&place=hr

| Period | % |
|---|---:|
| 2026-08 | 2.91 |
| 2026-07 | 2.91 |
| 2026-06 | 2.9 |
| 2026-05 | 2.92 |
| 2026-04 | 2.95 |
| 2026-03 | 2.99 |
| 2026-02 | 3.05 |
| 2026-01 | 3.03 |
| 2025-12 | 3.04 |
| 2025-11 | 3.03 |
| 2025-10 | 3.03 |
| 2025-09 | 3.01 |
| 2025-08 | 2.98 |
| 2025-07 | 2.98 |
| 2025-06 | 2.93 |
| 2025-05 | 2.91 |
| 2025-04 | 2.91 |
| 2025-03 | 2.94 |
| 2025-02 | 3.17 |
| 2025-01 | 3.59 |
| 2024-12 | 3.69 |
| 2024-11 | 3.71 |
| 2024-10 | 3.71 |
| 2024-09 | 3.71 |
| 2024-08 | 3.74 |
| 2024-07 | 3.73 |
| 2024-06 | 3.71 |
| 2024-05 | 3.71 |
| 2024-04 | 3.73 |
| 2024-03 | 3.73 |
| 2024-02 | 3.7 |
| 2024-01 | 3.62 |
| 2023-12 | 3.58 |
| 2023-11 | 3.61 |
| 2023-10 | 3.57 |
| 2023-09 | 3.52 |
| 2023-08 | 3.46 |
| 2023-07 | 3.25 |
| 2023-06 | 3.07 |
| 2023-05 | 2.98 |
| 2023-04 | 2.99 |
| 2023-03 | 2.93 |
| 2023-02 | 2.97 |
| 2023-01 | 2.89 |