Data / Composite cost of borrowing for house purchase / Estonia

Composite cost of borrowing for house purchase in Estonia

Composite cost of borrowing for house purchase in Estonia was 4.27% in August 2026, according to the European Central Bank. That is up 0.43 pts from August 2025. That is the 2nd highest of 21 EU countries in August 2026.

August 20264.27%
Change on August 2025+0.43 pts
Rank2nd of 21EU countries ranked
Series high6.36September 2008
Series low2.06December 2021
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Composite cost of borrowing for house purchase in Estonia, January 2005 to August 2026

2345672005-012008-032011-052014-072017-092020-112024-012026-082005-01: 3.46 %2005-02: 3.48 %2005-03: 3.32 %2005-04: 3.07 %2005-05: 3.13 %2005-06: 3.15 %2005-07: 3.2 %2005-08: 3.3 %2005-09: 3.25 %2005-10: 3.18 %2005-11: 3.39 %2005-12: 3.52 %2006-01: 3.63 %2006-02: 3.71 %2006-03: 3.88 %2006-04: 3.98 %2006-05: 4.02 %2006-06: 4.15 %2006-07: 4.3 %2006-08: 4.5 %2006-09: 4.55 %2006-10: 4.68 %2006-11: 4.82 %2006-12: 4.9 %2007-01: 5.07 %2007-02: 5.18 %2007-03: 5.2 %2007-04: 5.25 %2007-05: 5.4 %2007-06: 5.48 %2007-07: 5.6 %2007-08: 5.75 %2007-09: 5.85 %2007-10: 5.93 %2007-11: 5.82 %2007-12: 5.85 %2008-01: 5.7 %2008-02: 5.54 %2008-03: 5.48 %2008-04: 5.55 %2008-05: 5.65 %2008-06: 5.87 %2008-07: 6.14 %2008-08: 6.24 %2008-09: 6.36 %2008-10: 6.29 %2008-11: 5.8 %2008-12: 5.16 %2009-01: 4.95 %2009-02: 4.57 %2009-03: 4.27 %2009-04: 3.99 %2009-05: 4.06 %2009-06: 3.99 %2009-07: 3.96 %2009-08: 3.43 %2009-09: 3.66 %2009-10: 3.9 %2009-11: 3.56 %2009-12: 3.48 %2010-01: 3.44 %2010-02: 3.39 %2010-03: 3.39 %2010-04: 3.37 %2010-05: 3.45 %2010-06: 3.28 %2010-07: 3.45 %2010-08: 3.44 %2010-09: 3.4 %2010-10: 3.36 %2010-11: 3.4 %2010-12: 3.37 %2011-01: 3.3 %2011-02: 3.36 %2011-03: 3.47 %2011-04: 3.41 %2011-05: 3.51 %2011-06: 3.44 %2011-07: 3.55 %2011-08: 3.49 %2011-09: 3.46 %2011-10: 3.42 %2011-11: 3.44 %2011-12: 3.46 %2012-01: 3.4 %2012-02: 3.3 %2012-03: 3.21 %2012-04: 3.14 %2012-05: 2.97 %2012-06: 2.93 %2012-07: 2.92 %2012-08: 2.7 %2012-09: 2.83 %2012-10: 2.91 %2012-11: 2.57 %2012-12: 2.69 %2013-01: 2.83 %2013-02: 2.65 %2013-03: 2.81 %2013-04: 2.82 %2013-05: 2.65 %2013-06: 2.58 %2013-07: 2.66 %2013-08: 2.61 %2013-09: 2.84 %2013-10: 2.73 %2013-11: 2.88 %2013-12: 2.64 %2014-01: 2.66 %2014-02: 2.59 %2014-03: 2.69 %2014-04: 2.66 %2014-05: 2.71 %2014-06: 2.64 %2014-07: 2.59 %2014-08: 2.54 %2014-09: 2.38 %2014-10: 2.28 %2014-11: 2.22 %2014-12: 2.22 %2015-01: 2.3 %2015-02: 2.26 %2015-03: 2.26 %2015-04: 2.3 %2015-05: 2.42 %2015-06: 2.35 %2015-07: 2.29 %2015-08: 2.41 %2015-09: 2.3 %2015-10: 2.28 %2015-11: 2.22 %2015-12: 2.17 %2016-01: 2.21 %2016-02: 2.23 %2016-03: 2.27 %2016-04: 2.3 %2016-05: 2.28 %2016-06: 2.38 %2016-07: 2.44 %2016-08: 2.49 %2016-09: 2.37 %2016-10: 2.35 %2016-11: 2.32 %2016-12: 2.2 %2017-01: 2.17 %2017-02: 2.31 %2017-03: 2.36 %2017-04: 2.32 %2017-05: 2.38 %2017-06: 2.42 %2017-07: 2.48 %2017-08: 2.45 %2017-09: 2.5 %2017-10: 2.44 %2017-11: 2.35 %2017-12: 2.36 %2018-01: 2.38 %2018-02: 2.4 %2018-03: 2.39 %2018-04: 2.41 %2018-05: 2.5 %2018-06: 2.61 %2018-07: 2.55 %2018-08: 2.59 %2018-09: 2.59 %2018-10: 2.51 %2018-11: 2.48 %2018-12: 2.53 %2019-01: 2.46 %2019-02: 2.51 %2019-03: 2.58 %2019-04: 2.6 %2019-05: 2.61 %2019-06: 2.62 %2019-07: 2.69 %2019-08: 2.77 %2019-09: 2.61 %2019-10: 2.65 %2019-11: 2.5 %2019-12: 2.45 %2020-01: 2.59 %2020-02: 2.58 %2020-03: 2.44 %2020-04: 2.38 %2020-05: 2.6 %2020-06: 2.71 %2020-07: 2.65 %2020-08: 2.71 %2020-09: 2.61 %2020-10: 2.47 %2020-11: 2.4 %2020-12: 2.38 %2021-01: 2.34 %2021-02: 2.26 %2021-03: 2.23 %2021-04: 2.25 %2021-05: 2.29 %2021-06: 2.25 %2021-07: 2.28 %2021-08: 2.25 %2021-09: 2.16 %2021-10: 2.15 %2021-11: 2.07 %2021-12: 2.06 %2022-01: 2.1 %2022-02: 2.12 %2022-03: 2.1 %2022-04: 2.14 %2022-05: 2.18 %2022-06: 2.24 %2022-07: 2.49 %2022-08: 2.82 %2022-09: 3.25 %2022-10: 3.66 %2022-11: 4.05 %2022-12: 4.18 %2023-01: 4.66 %2023-02: 4.92 %2023-03: 4.96 %2023-04: 5.14 %2023-05: 5.37 %2023-06: 5.61 %2023-07: 5.92 %2023-08: 5.92 %2023-09: 6.05 %2023-10: 6.32 %2023-11: 6.11 %2023-12: 5.92 %2024-01: 5.96 %2024-02: 5.9 %2024-03: 5.81 %2024-04: 5.79 %2024-05: 5.7 %2024-06: 5.65 %2024-07: 5.63 %2024-08: 5.53 %2024-09: 5.24 %2024-10: 5 %2024-11: 4.75 %2024-12: 4.56 %2025-01: 4.54 %2025-02: 4.36 %2025-03: 4.33 %2025-04: 4.09 %2025-05: 3.96 %2025-06: 3.87 %2025-07: 3.85 %2025-08: 3.84 %2025-09: 3.8 %2025-10: 3.82 %2025-11: 3.82 %2025-12: 3.78 %2026-01: 3.81 %2026-02: 3.79 %2026-03: 3.89 %2026-04: 4.04 %2026-05: 4.13 %2026-06: 4.15 %2026-07: 4.24 %2026-08: 4.27 %
%. Source: ECB, ECB MIR composite cost of borrowing for households for house purchase, new business (A2C.AM.R.A.2250.EUR.N). Retrieved 2026-10-12.
All 260 values
Period%
2026-084.27
2026-074.24
2026-064.15
2026-054.13
2026-044.04
2026-033.89
2026-023.79
2026-013.81
2025-123.78
2025-113.82
2025-103.82
2025-093.8
2025-083.84
2025-073.85
2025-063.87
2025-053.96
2025-044.09
2025-034.33
2025-024.36
2025-014.54
2024-124.56
2024-114.75
2024-105
2024-095.24
2024-085.53
2024-075.63
2024-065.65
2024-055.7
2024-045.79
2024-035.81
2024-025.9
2024-015.96
2023-125.92
2023-116.11
2023-106.32
2023-096.05
2023-085.92
2023-075.92
2023-065.61
2023-055.37
2023-045.14
2023-034.96
2023-024.92
2023-014.66
2022-124.18
2022-114.05
2022-103.66
2022-093.25
2022-082.82
2022-072.49
2022-062.24
2022-052.18
2022-042.14
2022-032.1
2022-022.12
2022-012.1
2021-122.06
2021-112.07
2021-102.15
2021-092.16
2021-082.25
2021-072.28
2021-062.25
2021-052.29
2021-042.25
2021-032.23
2021-022.26
2021-012.34
2020-122.38
2020-112.4
2020-102.47
2020-092.61
2020-082.71
2020-072.65
2020-062.71
2020-052.6
2020-042.38
2020-032.44
2020-022.58
2020-012.59
2019-122.45
2019-112.5
2019-102.65
2019-092.61
2019-082.77
2019-072.69
2019-062.62
2019-052.61
2019-042.6
2019-032.58
2019-022.51
2019-012.46
2018-122.53
2018-112.48
2018-102.51
2018-092.59
2018-082.59
2018-072.55
2018-062.61
2018-052.5
2018-042.41
2018-032.39
2018-022.4
2018-012.38
2017-122.36
2017-112.35
2017-102.44
2017-092.5
2017-082.45
2017-072.48
2017-062.42
2017-052.38
2017-042.32
2017-032.36
2017-022.31
2017-012.17
2016-122.2
2016-112.32
2016-102.35
2016-092.37
2016-082.49
2016-072.44
2016-062.38
2016-052.28
2016-042.3
2016-032.27
2016-022.23
2016-012.21
2015-122.17
2015-112.22
2015-102.28
2015-092.3
2015-082.41
2015-072.29
2015-062.35
2015-052.42
2015-042.3
2015-032.26
2015-022.26
2015-012.3
2014-122.22
2014-112.22
2014-102.28
2014-092.38
2014-082.54
2014-072.59
2014-062.64
2014-052.71
2014-042.66
2014-032.69
2014-022.59
2014-012.66
2013-122.64
2013-112.88
2013-102.73
2013-092.84
2013-082.61
2013-072.66
2013-062.58
2013-052.65
2013-042.82
2013-032.81
2013-022.65
2013-012.83
2012-122.69
2012-112.57
2012-102.91
2012-092.83
2012-082.7
2012-072.92
2012-062.93
2012-052.97
2012-043.14
2012-033.21
2012-023.3
2012-013.4
2011-123.46
2011-113.44
2011-103.42
2011-093.46
2011-083.49
2011-073.55
2011-063.44
2011-053.51
2011-043.41
2011-033.47
2011-023.36
2011-013.3
2010-123.37
2010-113.4
2010-103.36
2010-093.4
2010-083.44
2010-073.45
2010-063.28
2010-053.45
2010-043.37
2010-033.39
2010-023.39
2010-013.44
2009-123.48
2009-113.56
2009-103.9
2009-093.66
2009-083.43
2009-073.96
2009-063.99
2009-054.06
2009-043.99
2009-034.27
2009-024.57
2009-014.95
2008-125.16
2008-115.8
2008-106.29
2008-096.36
2008-086.24
2008-076.14
2008-065.87
2008-055.65
2008-045.55
2008-035.48
2008-025.54
2008-015.7
2007-125.85
2007-115.82
2007-105.93
2007-095.85
2007-085.75
2007-075.6
2007-065.48
2007-055.4
2007-045.25
2007-035.2
2007-025.18
2007-015.07
2006-124.9
2006-114.82
2006-104.68
2006-094.55
2006-084.5
2006-074.3
2006-064.15
2006-054.02
2006-043.98
2006-033.88
2006-023.71
2006-013.63
2005-123.52
2005-113.39
2005-103.18
2005-093.25
2005-083.3
2005-073.2
2005-063.15
2005-053.13
2005-043.07
2005-033.32
2005-023.48
2005-013.46

Rankings

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.

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.

How to cite

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.

Citation styles

The publisher is the author. Invokely is named only as the place the figures were read, where a style asks for it.

APA 7

European Central Bank. (n.d.). ECB MIR composite cost of borrowing for households for house purchase, new business (A2C.AM.R.A.2250.EUR.N) (Composite cost of borrowing for house purchase, Estonia, 2005-01 to 2026-08) [Data set]. Retrieved October 12, 2026, from 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

MLA 9

ECB MIR composite cost of borrowing for households for house purchase, new business (A2C.AM.R.A.2250.EUR.N), Composite cost of borrowing for house purchase, Estonia, 2005-01 to 2026-08. European Central Bank, 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. Invokely, https://invokely.ai/en/housing-borrowing-cost/estonia. Accessed 12 Oct. 2026.

Chicago (author-date)

European Central Bank. n.d. ECB MIR composite cost of borrowing for households for house purchase, new business (A2C.AM.R.A.2250.EUR.N). Composite cost of borrowing for house purchase, Estonia, 2005-01 to 2026-08. Dataset. Accessed October 12, 2026. 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. Also distributed by Invokely, https://invokely.ai/en/housing-borrowing-cost/estonia.

Harvard

European Central Bank (no date) ECB MIR composite cost of borrowing for households for house purchase, new business (A2C.AM.R.A.2250.EUR.N), Composite cost of borrowing for house purchase, Estonia, 2005-01 to 2026-08 [Dataset]. Available at: 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, via Invokely: https://invokely.ai/en/housing-borrowing-cost/estonia (Accessed: 12 October 2026).

BibTeX
@misc{european_composite_cost_of_borrowing_2026,
  author = {{European Central Bank}},
  title = {{ECB MIR composite cost of borrowing for households for house purchase, new business (A2C.AM.R.A.2250.EUR.N): Composite cost of borrowing for house purchase, Estonia, 2005-01 to 2026-08}},
  howpublished = {Data set},
  url = {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},
  urldate = {2026-10-12},
  note = {Accessed via Invokely, https://invokely.ai/en/housing-borrowing-cost/estonia. Publisher attribution: 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.},
}
RIS
TY  - DATA
AU  - European Central Bank
TI  - ECB MIR composite cost of borrowing for households for house purchase, new business (A2C.AM.R.A.2250.EUR.N): Composite cost of borrowing for house purchase, Estonia, 2005-01 to 2026-08
PB  - European Central Bank
DB  - Invokely
UR  - 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
L2  - https://invokely.ai/en/housing-borrowing-cost/estonia
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/en/housing-borrowing-cost/estonia.
N1  - Publisher attribution: 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.
ER  -
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Questions

What is the composite cost of borrowing for house purchase in Estonia?

Composite cost of borrowing for house purchase in Estonia was 4.27% in August 2026, according to the European Central Bank. That is up 0.43 pts from August 2025. That is the 2nd highest of 21 EU countries in August 2026.

Where does this figure come from?

European Central Bank. ECB MIR composite cost of borrowing for households for house purchase, new business (A2C.AM.R.A.2250.EUR.N). Retrieved by Invokely on 2026-10-12.

What was the highest composite cost of borrowing for house purchase in Estonia?

6.36% in September 2008, the highest value since January 2005 in this series.

Composite cost of borrowing for house purchase elsewhere in European Union (27)

Related statistics for Estonia

All statistics for Estonia | Estonia in figures