Data / Composite cost of borrowing for house purchase / Slovakia

Composite cost of borrowing for house purchase in Slovakia

Composite cost of borrowing for house purchase in Slovakia was 3.73% in August 2026, according to the European Central Bank. That is up 0.15 pts from August 2025. That is the 6th highest of 21 EU countries in August 2026.

August 20263.73%
Change on August 2025+0.15 pts
Rank6th of 21EU countries ranked
Series high6.55November 2008
Series low0.93November 2021
Get an email when a new figure is out or this one is revised.

Composite cost of borrowing for house purchase in Slovakia, January 2008 to August 2026

024682008-012010-092013-052016-012018-092021-052024-012026-082008-01: 6.2 %2008-02: 6.04 %2008-03: 5.87 %2008-04: 5.86 %2008-05: 5.91 %2008-06: 5.84 %2008-07: 6.18 %2008-08: 6.21 %2008-09: 6.11 %2008-10: 6.24 %2008-11: 6.55 %2008-12: 6.46 %2009-01: 6.4 %2009-02: 6.11 %2009-03: 6.06 %2009-04: 6.17 %2009-05: 6.15 %2009-06: 5.88 %2009-07: 5.88 %2009-08: 5.82 %2009-09: 5.77 %2009-10: 5.71 %2009-11: 5.56 %2009-12: 5.49 %2010-01: 5.4 %2010-02: 5.4 %2010-03: 5.43 %2010-04: 5.29 %2010-05: 5.24 %2010-06: 5.16 %2010-07: 5.2 %2010-08: 5.26 %2010-09: 5.27 %2010-10: 5.03 %2010-11: 4.77 %2010-12: 4.79 %2011-01: 4.66 %2011-02: 4.83 %2011-03: 4.81 %2011-04: 4.83 %2011-05: 4.8 %2011-06: 4.66 %2011-07: 4.79 %2011-08: 4.77 %2011-09: 4.88 %2011-10: 5.02 %2011-11: 4.97 %2011-12: 4.97 %2012-01: 5.23 %2012-02: 5.06 %2012-03: 4.81 %2012-04: 4.67 %2012-05: 4.66 %2012-06: 4.61 %2012-07: 4.77 %2012-08: 4.98 %2012-09: 4.67 %2012-10: 4.54 %2012-11: 4.42 %2012-12: 4.44 %2013-01: 4.68 %2013-02: 4.47 %2013-03: 4.24 %2013-04: 4.1 %2013-05: 3.97 %2013-06: 3.95 %2013-07: 3.97 %2013-08: 4.02 %2013-09: 3.98 %2013-10: 4 %2013-11: 3.96 %2013-12: 3.89 %2014-01: 3.9 %2014-02: 3.83 %2014-03: 3.64 %2014-04: 3.55 %2014-05: 3.43 %2014-06: 3.41 %2014-07: 3.44 %2014-08: 3.38 %2014-09: 3.31 %2014-10: 3.22 %2014-11: 3 %2014-12: 2.95 %2015-01: 2.97 %2015-02: 2.95 %2015-03: 2.87 %2015-04: 2.94 %2015-05: 2.77 %2015-06: 2.66 %2015-07: 2.67 %2015-08: 2.63 %2015-09: 2.62 %2015-10: 2.63 %2015-11: 2.61 %2015-12: 2.55 %2016-01: 2.57 %2016-02: 2.52 %2016-03: 2.12 %2016-04: 1.97 %2016-05: 1.79 %2016-06: 1.9 %2016-07: 1.94 %2016-08: 2 %2016-09: 1.95 %2016-10: 1.95 %2016-11: 1.9 %2016-12: 1.86 %2017-01: 1.85 %2017-02: 1.87 %2017-03: 1.87 %2017-04: 1.9 %2017-05: 1.84 %2017-06: 1.78 %2017-07: 1.88 %2017-08: 1.83 %2017-09: 1.8 %2017-10: 1.74 %2017-11: 1.7 %2017-12: 1.77 %2018-01: 1.63 %2018-02: 1.64 %2018-03: 1.65 %2018-04: 1.64 %2018-05: 1.57 %2018-06: 1.51 %2018-07: 1.53 %2018-08: 1.53 %2018-09: 1.5 %2018-10: 1.47 %2018-11: 1.46 %2018-12: 1.45 %2019-01: 1.47 %2019-02: 1.48 %2019-03: 1.48 %2019-04: 1.49 %2019-05: 1.49 %2019-06: 1.48 %2019-07: 1.42 %2019-08: 1.35 %2019-09: 1.32 %2019-10: 1.28 %2019-11: 1.14 %2019-12: 1.1 %2020-01: 1.09 %2020-02: 1.08 %2020-03: 1.1 %2020-04: 1.17 %2020-05: 1.18 %2020-06: 1.16 %2020-07: 1.18 %2020-08: 1.18 %2020-09: 1.16 %2020-10: 1.11 %2020-11: 1.05 %2020-12: 1.02 %2021-01: 1.03 %2021-02: 1.02 %2021-03: 1 %2021-04: 1.02 %2021-05: 1 %2021-06: 0.98 %2021-07: 0.97 %2021-08: 0.97 %2021-09: 0.94 %2021-10: 0.97 %2021-11: 0.93 %2021-12: 0.93 %2022-01: 1 %2022-02: 1.03 %2022-03: 1.1 %2022-04: 1.34 %2022-05: 1.63 %2022-06: 1.83 %2022-07: 2.15 %2022-08: 2.44 %2022-09: 2.53 %2022-10: 2.83 %2022-11: 2.96 %2022-12: 3.07 %2023-01: 3.22 %2023-02: 3.42 %2023-03: 3.67 %2023-04: 3.68 %2023-05: 3.78 %2023-06: 3.92 %2023-07: 3.91 %2023-08: 3.94 %2023-09: 3.92 %2023-10: 4.01 %2023-11: 4.05 %2023-12: 4 %2024-01: 3.96 %2024-02: 4.09 %2024-03: 4.15 %2024-04: 4.12 %2024-05: 4.19 %2024-06: 4.22 %2024-07: 4.2 %2024-08: 4.19 %2024-09: 4.14 %2024-10: 4.09 %2024-11: 4.02 %2024-12: 3.93 %2025-01: 3.87 %2025-02: 3.85 %2025-03: 3.82 %2025-04: 3.75 %2025-05: 3.67 %2025-06: 3.65 %2025-07: 3.6 %2025-08: 3.58 %2025-09: 3.54 %2025-10: 3.47 %2025-11: 3.42 %2025-12: 3.41 %2026-01: 3.39 %2026-02: 3.38 %2026-03: 3.37 %2026-04: 3.46 %2026-05: 3.58 %2026-06: 3.66 %2026-07: 3.7 %2026-08: 3.73 %
%. 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 224 values
Period%
2026-083.73
2026-073.7
2026-063.66
2026-053.58
2026-043.46
2026-033.37
2026-023.38
2026-013.39
2025-123.41
2025-113.42
2025-103.47
2025-093.54
2025-083.58
2025-073.6
2025-063.65
2025-053.67
2025-043.75
2025-033.82
2025-023.85
2025-013.87
2024-123.93
2024-114.02
2024-104.09
2024-094.14
2024-084.19
2024-074.2
2024-064.22
2024-054.19
2024-044.12
2024-034.15
2024-024.09
2024-013.96
2023-124
2023-114.05
2023-104.01
2023-093.92
2023-083.94
2023-073.91
2023-063.92
2023-053.78
2023-043.68
2023-033.67
2023-023.42
2023-013.22
2022-123.07
2022-112.96
2022-102.83
2022-092.53
2022-082.44
2022-072.15
2022-061.83
2022-051.63
2022-041.34
2022-031.1
2022-021.03
2022-011
2021-120.93
2021-110.93
2021-100.97
2021-090.94
2021-080.97
2021-070.97
2021-060.98
2021-051
2021-041.02
2021-031
2021-021.02
2021-011.03
2020-121.02
2020-111.05
2020-101.11
2020-091.16
2020-081.18
2020-071.18
2020-061.16
2020-051.18
2020-041.17
2020-031.1
2020-021.08
2020-011.09
2019-121.1
2019-111.14
2019-101.28
2019-091.32
2019-081.35
2019-071.42
2019-061.48
2019-051.49
2019-041.49
2019-031.48
2019-021.48
2019-011.47
2018-121.45
2018-111.46
2018-101.47
2018-091.5
2018-081.53
2018-071.53
2018-061.51
2018-051.57
2018-041.64
2018-031.65
2018-021.64
2018-011.63
2017-121.77
2017-111.7
2017-101.74
2017-091.8
2017-081.83
2017-071.88
2017-061.78
2017-051.84
2017-041.9
2017-031.87
2017-021.87
2017-011.85
2016-121.86
2016-111.9
2016-101.95
2016-091.95
2016-082
2016-071.94
2016-061.9
2016-051.79
2016-041.97
2016-032.12
2016-022.52
2016-012.57
2015-122.55
2015-112.61
2015-102.63
2015-092.62
2015-082.63
2015-072.67
2015-062.66
2015-052.77
2015-042.94
2015-032.87
2015-022.95
2015-012.97
2014-122.95
2014-113
2014-103.22
2014-093.31
2014-083.38
2014-073.44
2014-063.41
2014-053.43
2014-043.55
2014-033.64
2014-023.83
2014-013.9
2013-123.89
2013-113.96
2013-104
2013-093.98
2013-084.02
2013-073.97
2013-063.95
2013-053.97
2013-044.1
2013-034.24
2013-024.47
2013-014.68
2012-124.44
2012-114.42
2012-104.54
2012-094.67
2012-084.98
2012-074.77
2012-064.61
2012-054.66
2012-044.67
2012-034.81
2012-025.06
2012-015.23
2011-124.97
2011-114.97
2011-105.02
2011-094.88
2011-084.77
2011-074.79
2011-064.66
2011-054.8
2011-044.83
2011-034.81
2011-024.83
2011-014.66
2010-124.79
2010-114.77
2010-105.03
2010-095.27
2010-085.26
2010-075.2
2010-065.16
2010-055.24
2010-045.29
2010-035.43
2010-025.4
2010-015.4
2009-125.49
2009-115.56
2009-105.71
2009-095.77
2009-085.82
2009-075.88
2009-065.88
2009-056.15
2009-046.17
2009-036.06
2009-026.11
2009-016.4
2008-126.46
2008-116.55
2008-106.24
2008-096.11
2008-086.21
2008-076.18
2008-065.84
2008-055.91
2008-045.86
2008-035.87
2008-026.04
2008-016.2

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, Slovakia, 2008-01 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, Slovakia, 2008-01 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/slovakia. 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, Slovakia, 2008-01 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/slovakia.

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, Slovakia, 2008-01 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/slovakia (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, Slovakia, 2008-01 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/slovakia. 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, Slovakia, 2008-01 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/slovakia
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/en/housing-borrowing-cost/slovakia.
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  -
Embed this chart

Paste this code into a web page or a blog post. The chart shows the latest figures as they are published, with the source and a link back to this page.

Sites that read oEmbed links, such as WordPress, can show the chart when you paste the link to this page.

Use this data in your AI agent

Invokely serves this figure to AI assistants through MCP and to code through a REST API, with the source and citation attached. Ask your assistant:

What is the latest composite cost of borrowing for house purchase in Slovakia? Cite the source.
get_value {"indicator":"ecb_housing_borrowing_cost","place":"sk"}
GET https://invokely.ai/api/v1/value?indicator=ecb_housing_borrowing_cost&place=sk

Connect Claude, ChatGPT or Cursor in one step. The trial answers 25 calls a day without an account.

Questions

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

Composite cost of borrowing for house purchase in Slovakia was 3.73% in August 2026, according to the European Central Bank. That is up 0.15 pts from August 2025. That is the 6th 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 Slovakia?

6.55% in November 2008, the highest value since January 2008 in this series.

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

Related statistics for Slovakia

All statistics for Slovakia | Slovakia in figures