# Composite cost of borrowing for house purchase in Netherlands

Composite cost of borrowing for house purchase in Netherlands was 3.91% in August 2026. Source: European Central Bank.

- Indicator id: `ecb_housing_borrowing_cost`
- Place id: `nl`
- 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/netherlands
- API: https://invokely.ai/api/v1/series?indicator=ecb_housing_borrowing_cost&place=nl

| Period | % |
|---|---:|
| 2026-08 | 3.91 |
| 2026-07 | 3.85 |
| 2026-06 | 3.71 |
| 2026-05 | 3.66 |
| 2026-04 | 3.63 |
| 2026-03 | 3.47 |
| 2026-02 | 3.54 |
| 2026-01 | 3.5 |
| 2025-12 | 3.51 |
| 2025-11 | 3.47 |
| 2025-10 | 3.49 |
| 2025-09 | 3.48 |
| 2025-08 | 3.49 |
| 2025-07 | 3.5 |
| 2025-06 | 3.59 |
| 2025-05 | 3.53 |
| 2025-04 | 3.12 |
| 2025-03 | 3.49 |
| 2025-02 | 3.57 |
| 2025-01 | 2.98 |
| 2024-12 | 3.7 |
| 2024-11 | 3.75 |
| 2024-10 | 3.77 |
| 2024-09 | 3.89 |
| 2024-08 | 3.92 |
| 2024-07 | 3.94 |
| 2024-06 | 3.86 |
| 2024-05 | 3.83 |
| 2024-04 | 3.88 |
| 2024-03 | 3.81 |
| 2024-02 | 3.88 |
| 2024-01 | 4.01 |
| 2023-12 | 4.08 |
| 2023-11 | 4.07 |
| 2023-10 | 3.76 |
| 2023-09 | 3.98 |
| 2023-08 | 3.92 |
| 2023-07 | 3.89 |
| 2023-06 | 3.86 |
| 2023-05 | 3.73 |
| 2023-04 | 3.62 |
| 2023-03 | 3.5 |
| 2023-02 | 3.52 |
| 2023-01 | 3.46 |
| 2022-12 | 3.38 |
| 2022-11 | 3.22 |
| 2022-10 | 3.06 |
| 2022-09 | 2.85 |
| 2022-08 | 2.66 |
| 2022-07 | 2.43 |
| 2022-06 | 2.21 |
| 2022-05 | 2.03 |
| 2022-04 | 1.88 |
| 2022-03 | 1.77 |
| 2022-02 | 1.67 |
| 2022-01 | 1.67 |
| 2021-12 | 1.65 |
| 2021-11 | 1.65 |
| 2021-10 | 1.65 |
| 2021-09 | 1.65 |
| 2021-08 | 1.66 |
| 2021-07 | 1.67 |
| 2021-06 | 1.68 |
| 2021-05 | 1.7 |
| 2021-04 | 1.71 |
| 2021-03 | 1.75 |
| 2021-02 | 1.76 |
| 2021-01 | 1.79 |
| 2020-12 | 1.84 |
| 2020-11 | 1.85 |
| 2020-10 | 1.87 |
| 2020-09 | 1.88 |
| 2020-08 | 1.89 |
| 2020-07 | 1.86 |
| 2020-06 | 1.86 |
| 2020-05 | 1.88 |
| 2020-04 | 1.87 |
| 2020-03 | 1.91 |
| 2020-02 | 1.92 |
| 2020-01 | 1.98 |
| 2019-12 | 2 |
| 2019-11 | 2.39 |
| 2019-10 | 2.09 |
| 2019-09 | 2.16 |
| 2019-08 | 2.21 |
| 2019-07 | 2.25 |
| 2019-06 | 2.3 |
| 2019-05 | 2.33 |
| 2019-04 | 2.37 |
| 2019-03 | 2.43 |
| 2019-02 | 2.44 |
| 2019-01 | 2.41 |
| 2018-12 | 2.41 |
| 2018-11 | 2.43 |
| 2018-10 | 2.42 |
| 2018-09 | 2.41 |
| 2018-08 | 2.41 |
| 2018-07 | 2.43 |
| 2018-06 | 2.46 |
| 2018-05 | 2.41 |
| 2018-04 | 2.4 |
| 2018-03 | 2.4 |
| 2018-02 | 2.4 |
| 2018-01 | 2.38 |
| 2017-12 | 2.41 |
| 2017-11 | 2.43 |
| 2017-10 | 2.41 |
| 2017-09 | 2.42 |
| 2017-08 | 2.42 |
| 2017-07 | 2.44 |
| 2017-06 | 2.42 |
| 2017-05 | 2.43 |
| 2017-04 | 2.42 |
| 2017-03 | 2.4 |
| 2017-02 | 2.38 |
| 2017-01 | 2.35 |
| 2016-12 | 2.38 |
| 2016-11 | 2.4 |
| 2016-10 | 2.4 |
| 2016-09 | 2.49 |
| 2016-08 | 2.55 |
| 2016-07 | 2.58 |
| 2016-06 | 2.59 |
| 2016-05 | 2.64 |
| 2016-04 | 2.69 |
| 2016-03 | 2.69 |
| 2016-02 | 2.76 |
| 2016-01 | 2.79 |
| 2015-12 | 2.76 |
| 2015-11 | 2.83 |
| 2015-10 | 2.82 |
| 2015-09 | 2.86 |
| 2015-08 | 2.87 |
| 2015-07 | 2.86 |
| 2015-06 | 2.88 |
| 2015-05 | 2.88 |
| 2015-04 | 2.95 |
| 2015-03 | 2.98 |
| 2015-02 | 3.13 |
| 2015-01 | 3.11 |
| 2014-12 | 3.11 |
| 2014-11 | 3.14 |
| 2014-10 | 3.22 |
| 2014-09 | 3.25 |
| 2014-08 | 3.31 |
| 2014-07 | 3.33 |
| 2014-06 | 3.35 |
| 2014-05 | 3.43 |
| 2014-04 | 3.5 |
| 2014-03 | 3.49 |
| 2014-02 | 3.51 |
| 2014-01 | 3.59 |
| 2013-12 | 3.62 |
| 2013-11 | 3.61 |
| 2013-10 | 3.62 |
| 2013-09 | 3.65 |
| 2013-08 | 3.67 |
| 2013-07 | 3.7 |
| 2013-06 | 3.72 |
| 2013-05 | 3.79 |
| 2013-04 | 3.94 |
| 2013-03 | 4.01 |
| 2013-02 | 4.03 |
| 2013-01 | 4.06 |
| 2012-12 | 4.07 |
| 2012-11 | 4.07 |
| 2012-10 | 4.14 |
| 2012-09 | 4.19 |
| 2012-08 | 4.21 |
| 2012-07 | 4.22 |
| 2012-06 | 4.31 |
| 2012-05 | 4.35 |
| 2012-04 | 4.4 |
| 2012-03 | 4.44 |
| 2012-02 | 4.51 |
| 2012-01 | 4.53 |
| 2011-12 | 4.54 |
| 2011-11 | 4.53 |
| 2011-10 | 4.54 |
| 2011-09 | 4.62 |
| 2011-08 | 4.69 |
| 2011-07 | 4.71 |
| 2011-06 | 4.68 |
| 2011-05 | 4.65 |
| 2011-04 | 4.58 |
| 2011-03 | 4.46 |
| 2011-02 | 4.35 |
| 2011-01 | 4.33 |
| 2010-12 | 4.29 |
| 2010-11 | 4.28 |
| 2010-10 | 4.31 |
| 2010-09 | 4.36 |
| 2010-08 | 4.45 |
| 2010-07 | 4.48 |
| 2010-06 | 4.51 |
| 2010-05 | 4.59 |
| 2010-04 | 4.67 |
| 2010-03 | 4.72 |
| 2010-02 | 4.78 |
| 2010-01 | 4.85 |
| 2009-12 | 4.87 |
| 2009-11 | 4.89 |
| 2009-10 | 4.91 |
| 2009-09 | 4.92 |
| 2009-08 | 4.99 |
| 2009-07 | 4.96 |
| 2009-06 | 4.89 |
| 2009-05 | 4.85 |
| 2009-04 | 4.87 |
| 2009-03 | 4.94 |
| 2009-02 | 5.11 |
| 2009-01 | 5.27 |
| 2008-12 | 5.45 |
| 2008-11 | 5.6 |
| 2008-10 | 5.63 |
| 2008-09 | 5.56 |
| 2008-08 | 5.52 |
| 2008-07 | 5.38 |
| 2008-06 | 5.27 |
| 2008-05 | 5.16 |
| 2008-04 | 5.12 |
| 2008-03 | 5.13 |
| 2008-02 | 5.2 |
| 2008-01 | 5.24 |
| 2007-12 | 5.23 |
| 2007-11 | 5.21 |
| 2007-10 | 5.21 |
| 2007-09 | 5.18 |
| 2007-08 | 5.11 |
| 2007-07 | 5.01 |
| 2007-06 | 4.93 |
| 2007-05 | 4.85 |
| 2007-04 | 4.8 |
| 2007-03 | 4.74 |
| 2007-02 | 4.7 |
| 2007-01 | 4.65 |
| 2006-12 | 4.61 |
| 2006-11 | 4.61 |
| 2006-10 | 4.58 |
| 2006-09 | 4.59 |
| 2006-08 | 4.53 |
| 2006-07 | 4.45 |
| 2006-06 | 4.36 |
| 2006-05 | 4.25 |
| 2006-04 | 4.21 |
| 2006-03 | 4.05 |
| 2006-02 | 3.94 |
| 2006-01 | 3.87 |
| 2005-12 | 3.78 |
| 2005-11 | 3.68 |
| 2005-10 | 3.7 |
| 2005-09 | 3.68 |
| 2005-08 | 3.73 |
| 2005-07 | 3.71 |
| 2005-06 | 3.78 |
| 2005-05 | 3.9 |
| 2005-04 | 3.91 |
| 2005-03 | 3.89 |
| 2005-02 | 3.87 |
| 2005-01 | 3.88 |
| 2004-12 | 3.92 |
| 2004-11 | 4.09 |
| 2004-10 | 4.26 |
| 2004-09 | 4.3 |
| 2004-08 | 4.34 |
| 2004-07 | 4.3 |
| 2004-06 | 4.27 |
| 2004-05 | 4.29 |
| 2004-04 | 4.28 |
| 2004-03 | 4.4 |
| 2004-02 | 4.52 |
| 2004-01 | 4.52 |
| 2003-12 | 4.51 |
| 2003-11 | 4.49 |
| 2003-10 | 4.42 |
| 2003-09 | 4.33 |
| 2003-08 | 4.23 |
| 2003-07 | 4.22 |
| 2003-06 | 4.31 |
| 2003-05 | 4.51 |
| 2003-04 | 4.52 |
| 2003-03 | 4.54 |
| 2003-02 | 4.69 |
| 2003-01 | 4.84 |