Data / New housing loan rate, fixed over 5 to 10 years / Germany

New housing loan rate, fixed over 5 to 10 years in Germany

New housing loan rate, fixed over 5 to 10 years in Germany was 3.81% in August 2026, according to the European Central Bank. That is up 0.25 pts from August 2025. That is the 9th highest of 20 EU countries in August 2026.

August 20263.81% Provisional
Change on August 2025+0.25 pts
Rank9th of 20EU countries ranked
Series high5.39January 2003
Series low1.02December 2020
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New housing loan rate, fixed over 5 to 10 years in Germany, January 2003 to August 2026

1234562003-012006-062009-112013-042016-092020-022023-072026-082026-08: 3.81 %02462003-012010-122018-112026-082026-08: 3.81 %
%. Source: ECB, ECB MIR: New housing loan rate, fixed over 5 to 10 years (M.<area>.B.A2C.O.R.A.2250.EUR.N). Retrieved 2026-10-12.
All 284 values
Period%
2026-083.81 Provisional
2026-073.78
2026-063.76
2026-053.74
2026-043.66
2026-033.6
2026-023.61
2026-013.58
2025-123.58
2025-113.56
2025-103.58
2025-093.6
2025-083.56
2025-073.55
2025-063.52
2025-053.51
2025-043.48
2025-033.39
2025-023.35
2025-013.3
2024-123.32
2024-113.36
2024-103.42
2024-093.47
2024-083.6
2024-073.64
2024-063.66
2024-053.6
2024-043.57
2024-033.55
2024-023.59
2024-013.56
2023-123.8
2023-113.92
2023-103.85
2023-093.89
2023-083.81
2023-073.71
2023-063.73
2023-053.66
2023-043.7
2023-033.64
2023-023.6
2023-013.45
2022-123.41
2022-113.51
2022-103.19
2022-092.96
2022-082.74
2022-072.73
2022-062.46
2022-052.12
2022-041.81
2022-031.5
2022-021.29
2022-011.19
2021-121.16
2021-111.15
2021-101.1
2021-091.09
2021-081.1
2021-071.14
2021-061.12
2021-051.09
2021-041.06
2021-031.02
2021-021.04
2021-011.03
2020-121.02
2020-111.03
2020-101.03
2020-091.07
2020-081.07
2020-071.12
2020-061.17
2020-051.12
2020-041.11
2020-031.07
2020-021.13
2020-011.16
2019-121.14
2019-111.09
2019-101.12
2019-091.14
2019-081.23
2019-071.34
2019-061.41
2019-051.46
2019-041.53
2019-031.59
2019-021.63
2019-011.7
2018-121.7
2018-111.72
2018-101.71
2018-091.69
2018-081.71
2018-071.73
2018-061.75
2018-051.77
2018-041.77
2018-031.74
2018-021.68
2018-011.65
2017-121.65
2017-111.68
2017-101.68
2017-091.71
2017-081.67
2017-071.66
2017-061.68
2017-051.66
2017-041.71
2017-031.67
2017-021.64
2017-011.59
2016-121.49
2016-111.43
2016-101.45
2016-091.48
2016-081.49
2016-071.59
2016-061.6
2016-051.62
2016-041.67
2016-031.7
2016-021.79
2016-011.84
2015-121.83
2015-111.89
2015-101.94
2015-091.92
2015-081.92
2015-071.86
2015-061.72
2015-051.61
2015-041.7
2015-031.77
2015-021.86
2015-012.02
2014-122.09
2014-112.11
2014-102.19
2014-092.28
2014-082.37
2014-072.45
2014-062.53
2014-052.61
2014-042.69
2014-032.72
2014-022.8
2014-012.84
2013-122.84
2013-112.89
2013-102.9
2013-092.82
2013-082.73
2013-072.67
2013-062.56
2013-052.63
2013-042.72
2013-032.75
2013-022.74
2013-012.74
2012-122.76
2012-112.8
2012-102.82
2012-092.84
2012-082.86
2012-072.96
2012-063.02
2012-053.16
2012-043.26
2012-033.27
2012-023.36
2012-013.47
2011-123.53
2011-113.56
2011-103.6
2011-093.8
2011-084.03
2011-074.16
2011-064.21
2011-054.27
2011-044.2
2011-034.13
2011-024.04
2011-013.87
2010-123.73
2010-113.62
2010-103.58
2010-093.66
2010-083.81
2010-073.81
2010-063.9
2010-054.01
2010-044.07
2010-034.09
2010-024.22
2010-014.27
2009-124.29
2009-114.35
2009-104.34
2009-094.37
2009-084.46
2009-074.45
2009-064.39
2009-054.35
2009-044.37
2009-034.4
2009-024.58
2009-014.73
2008-124.83
2008-115.03
2008-105.15
2008-095.17
2008-085.27
2008-075.21
2008-065.06
2008-054.96
2008-044.9
2008-034.89
2008-024.94
2008-015.04
2007-125.03
2007-115.08
2007-105.08
2007-095.12
2007-085.18
2007-075.14
2007-065.01
2007-054.87
2007-044.8
2007-034.78
2007-024.78
2007-014.64
2006-124.6
2006-114.65
2006-104.65
2006-094.71
2006-084.71
2006-074.67
2006-064.66
2006-054.58
2006-044.45
2006-034.39
2006-024.28
2006-014.29
2005-124.19
2005-114.14
2005-104.11
2005-094.11
2005-084.1
2005-074.17
2005-064.22
2005-054.39
2005-044.5
2005-034.47
2005-024.51
2005-014.56
2004-124.63
2004-114.78
2004-104.89
2004-094.96
2004-085.04
2004-074.92
2004-064.96
2004-054.91
2004-044.91
2004-034.99
2004-025.06
2004-015.15
2003-125.14
2003-115.07
2003-105
2003-094.96
2003-084.81
2003-074.7
2003-064.8
2003-054.97
2003-045.03
2003-035.05
2003-025.19
2003-015.39

Germany compared with nearby places

Austria: 3.5 %Belgium: 3.54 %Bulgaria: 2.53 %Germany: 3.81 %Estonia: 8.89 %Spain: 4.24 %Finland: 3.6 %France: 2.36 %Greece: 3.59 %Croatia: 2.81 %Ireland: 4.05 %Italy: 3.8 %Lithuania: 4.8 %Luxembourg: 3.96 %Latvia: 8.1 %Malta: 1.01 %Netherlands: 3.93 %Portugal: 4.93 %Slovenia: 3.09 %Slovakia: 3 %
  • Under 3
  • 3 to 3.6
  • 3.6 to 3.9
  • 3.9 to 4.4
  • 4.4 and over
  • No data
New housing loan rate, fixed over 5 to 10 years, August 2026, %. Germany is outlined. Same source and period for every area shown. Source: European Central Bank. Boundaries: Natural Earth (public domain).

Rankings

Definition

Monthly average annual interest rate on new euro loans to households for house purchase, with initial rate fixation over 5 and up to 10 years.

The band describes the initial interest rate fixation period, not the contractual loan maturity. New agreements include renegotiations. Rates are weighted by the amounts agreed during the month. Annualised agreed rates or narrowly defined effective rates (AAR/NDER) cover interest and exclude fees and other charges. Household figures include non-profit institutions serving households. Corporations are non-financial companies. The euro area aggregate has changing membership. Country histories vary and missing values are not filled.

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How to cite

European Central Bank. ECB MIR: New housing loan rate, fixed over 5 to 10 years (M.<area>.B.A2C.O.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.O.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01. Retrieved 2026-10-12.

Citation styles

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APA 7

European Central Bank. (n.d.). ECB MIR: New housing loan rate, fixed over 5 to 10 years (M.<area>.B.A2C.O.R.A.2250.EUR.N) (New housing loan rate, fixed over 5 to 10 years, Germany, 2003-01 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.O.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01

MLA 9

ECB MIR: New housing loan rate, fixed over 5 to 10 years (M.<area>.B.A2C.O.R.A.2250.EUR.N), New housing loan rate, fixed over 5 to 10 years, Germany, 2003-01 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.O.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01. Invokely, https://invokely.ai/en/housing-loan-rate-fixed-over-five-to-ten-years/germany. Accessed 12 Oct. 2026.

Chicago (author-date)

European Central Bank. n.d. ECB MIR: New housing loan rate, fixed over 5 to 10 years (M.<area>.B.A2C.O.R.A.2250.EUR.N). New housing loan rate, fixed over 5 to 10 years, Germany, 2003-01 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.O.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01. Also distributed by Invokely, https://invokely.ai/en/housing-loan-rate-fixed-over-five-to-ten-years/germany.

Harvard

European Central Bank (no date) ECB MIR: New housing loan rate, fixed over 5 to 10 years (M.<area>.B.A2C.O.R.A.2250.EUR.N), New housing loan rate, fixed over 5 to 10 years, Germany, 2003-01 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.O.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01, via Invokely: https://invokely.ai/en/housing-loan-rate-fixed-over-five-to-ten-years/germany (Accessed: 12 October 2026).

BibTeX
@misc{european_new_housing_loan_rate_2026,
  author = {{European Central Bank}},
  title = {{ECB MIR: New housing loan rate, fixed over 5 to 10 years (M.<area>.B.A2C.O.R.A.2250.EUR.N): New housing loan rate, fixed over 5 to 10 years, Germany, 2003-01 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.O.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01},
  urldate = {2026-10-12},
  note = {Accessed via Invokely, https://invokely.ai/en/housing-loan-rate-fixed-over-five-to-ten-years/germany. Publisher attribution: European Central Bank. ECB MIR: New housing loan rate, fixed over 5 to 10 years (M.<area>.B.A2C.O.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.O.R.A.2250.EUR.N?format=csvdata\&startPeriod=2003-01. Retrieved 2026-10-12.},
}
RIS
TY  - DATA
AU  - European Central Bank
TI  - ECB MIR: New housing loan rate, fixed over 5 to 10 years (M.<area>.B.A2C.O.R.A.2250.EUR.N): New housing loan rate, fixed over 5 to 10 years, Germany, 2003-01 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.O.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01
L2  - https://invokely.ai/en/housing-loan-rate-fixed-over-five-to-ten-years/germany
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/en/housing-loan-rate-fixed-over-five-to-ten-years/germany.
N1  - Publisher attribution: European Central Bank. ECB MIR: New housing loan rate, fixed over 5 to 10 years (M.<area>.B.A2C.O.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.O.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01. Retrieved 2026-10-12.
ER  -
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Questions

What is the new housing loan rate, fixed over 5 to 10 years in Germany?

New housing loan rate, fixed over 5 to 10 years in Germany was 3.81% in August 2026, according to the European Central Bank. That is up 0.25 pts from August 2025. That is the 9th highest of 20 EU countries in August 2026.

Where does this figure come from?

European Central Bank. ECB MIR: New housing loan rate, fixed over 5 to 10 years (M.<area>.B.A2C.O.R.A.2250.EUR.N). Retrieved by Invokely on 2026-10-12.

What was the highest new housing loan rate, fixed over 5 to 10 years in Germany?

5.39% in January 2003, the highest value since January 2003 in this series.

New housing loan rate, fixed over 5 to 10 years elsewhere in European Union (27)

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