Data / New housing loan rate, fixed over 1 to 5 years / Euro area

New housing loan rate, fixed over 1 to 5 years in Euro area

New housing loan rate, fixed over 1 to 5 years in Euro area was 3.6% in August 2026, according to the European Central Bank. That is up 0.2 pts from August 2025.

August 20263.6% Provisional
Change on August 2025+0.2 pts
Series high5.43September 2008
Series low1.45May 2021
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New housing loan rate, fixed over 1 to 5 years in Euro area, January 2003 to August 2026

1234562003-012006-062009-112013-042016-092020-022023-072026-082026-08: 3.6 %1234562003-012010-122018-112026-082026-08: 3.6 %
%. Source: ECB, ECB MIR: New housing loan rate, fixed over 1 to 5 years (M.<area>.B.A2C.I.R.A.2250.EUR.N). Retrieved 2026-10-12.
All 284 values
Period%
2026-083.6 Provisional
2026-073.58
2026-063.53
2026-053.47
2026-043.43
2026-033.36
2026-023.37
2026-013.38
2025-123.37
2025-113.35
2025-103.37
2025-093.39
2025-083.4
2025-073.38
2025-063.41
2025-053.42
2025-043.48
2025-033.5
2025-023.52
2025-013.49
2024-123.57
2024-113.62
2024-103.69
2024-093.79
2024-083.87
2024-073.93
2024-063.95
2024-053.96
2024-043.98
2024-033.99
2024-024.01
2024-014.08
2023-124.23
2023-114.32
2023-104.29
2023-094.26
2023-084.22
2023-074.15
2023-064.08
2023-053.99
2023-043.87
2023-033.78
2023-023.49
2023-013.33
2022-123.16
2022-113.03
2022-102.82
2022-092.61
2022-082.45
2022-072.28
2022-062.09
2022-051.9
2022-041.75
2022-031.57
2022-021.52
2022-011.49
2021-121.5
2021-111.51
2021-101.5
2021-091.49
2021-081.5
2021-071.48
2021-061.45
2021-051.45
2021-041.51
2021-031.46
2021-021.52
2021-011.51
2020-121.54
2020-111.56
2020-101.58
2020-091.63
2020-081.63
2020-071.6
2020-061.65
2020-051.6
2020-041.55
2020-031.57
2020-021.57
2020-011.55
2019-121.62
2019-111.62
2019-101.62
2019-091.69
2019-081.72
2019-071.74
2019-061.76
2019-051.81
2019-041.79
2019-031.82
2019-021.85
2019-011.83
2018-121.84
2018-111.85
2018-101.8
2018-091.81
2018-081.82
2018-071.83
2018-061.81
2018-051.85
2018-041.85
2018-031.84
2018-021.88
2018-011.87
2017-121.86
2017-111.92
2017-101.91
2017-091.93
2017-082.01
2017-071.92
2017-061.91
2017-051.92
2017-041.91
2017-031.88
2017-021.89
2017-011.88
2016-121.9
2016-111.91
2016-101.9
2016-091.98
2016-081.95
2016-071.96
2016-062
2016-052.02
2016-042.08
2016-032.1
2016-022.2
2016-012.23
2015-122.27
2015-112.31
2015-102.33
2015-092.36
2015-082.36
2015-072.33
2015-062.28
2015-052.37
2015-042.42
2015-032.46
2015-022.51
2015-012.57
2014-122.51
2014-112.5
2014-102.63
2014-092.69
2014-082.74
2014-072.75
2014-062.85
2014-052.87
2014-042.9
2014-032.91
2014-022.96
2014-013
2013-123
2013-113.07
2013-103.05
2013-093.06
2013-083.03
2013-072.97
2013-063
2013-053.11
2013-043.13
2013-033.19
2013-023.18
2013-013.17
2012-123.24
2012-113.16
2012-103.24
2012-093.27
2012-083.32
2012-073.4
2012-063.48
2012-053.55
2012-043.59
2012-033.59
2012-023.65
2012-013.71
2011-123.74
2011-113.74
2011-103.79
2011-093.86
2011-083.97
2011-074.02
2011-064.04
2011-054.02
2011-043.96
2011-033.82
2011-023.82
2011-013.69
2010-123.52
2010-113.53
2010-103.54
2010-093.56
2010-083.62
2010-073.6
2010-063.6
2010-053.64
2010-043.71
2010-033.72
2010-023.83
2010-013.94
2009-123.96
2009-113.97
2009-104.02
2009-094.05
2009-084.1
2009-074.1
2009-064.12
2009-054.15
2009-044.21
2009-034.34
2009-024.54
2009-014.77
2008-125.06
2008-115.34
2008-105.42
2008-095.43
2008-085.36
2008-075.27
2008-065.11
2008-054.95
2008-044.9
2008-034.89
2008-024.96
2008-015.02
2007-125.03
2007-115.03
2007-105.06
2007-095.05
2007-084.97
2007-074.92
2007-064.89
2007-054.79
2007-044.71
2007-034.73
2007-024.71
2007-014.6
2006-124.56
2006-114.5
2006-104.44
2006-094.38
2006-084.37
2006-074.23
2006-064.21
2006-054.16
2006-044.08
2006-034.01
2006-023.98
2006-013.92
2005-123.86
2005-113.72
2005-103.69
2005-093.7
2005-083.73
2005-073.72
2005-063.78
2005-053.86
2005-043.9
2005-033.9
2005-023.94
2005-013.98
2004-123.95
2004-114.07
2004-104.12
2004-094.15
2004-084.19
2004-074.16
2004-064.13
2004-054.06
2004-044.06
2004-034.14
2004-024.22
2004-014.3
2003-124.18
2003-114.09
2003-104.01
2003-094.08
2003-083.96
2003-073.91
2003-064.15
2003-054.29
2003-044.32
2003-034.41
2003-024.59
2003-014.77

Rankings

Definition

Monthly average annual interest rate on new euro loans to households for house purchase, with initial rate fixation over 1 and up to 5 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 1 to 5 years (M.<area>.B.A2C.I.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.I.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: New housing loan rate, fixed over 1 to 5 years (M.<area>.B.A2C.I.R.A.2250.EUR.N) (New housing loan rate, fixed over 1 to 5 years, Euro area, 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.I.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01

MLA 9

ECB MIR: New housing loan rate, fixed over 1 to 5 years (M.<area>.B.A2C.I.R.A.2250.EUR.N), New housing loan rate, fixed over 1 to 5 years, Euro area, 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.I.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01. Invokely, https://invokely.ai/en/housing-loan-rate-fixed-over-one-to-five-years/euro-area. Accessed 12 Oct. 2026.

Chicago (author-date)

European Central Bank. n.d. ECB MIR: New housing loan rate, fixed over 1 to 5 years (M.<area>.B.A2C.I.R.A.2250.EUR.N). New housing loan rate, fixed over 1 to 5 years, Euro area, 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.I.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01. Also distributed by Invokely, https://invokely.ai/en/housing-loan-rate-fixed-over-one-to-five-years/euro-area.

Harvard

European Central Bank (no date) ECB MIR: New housing loan rate, fixed over 1 to 5 years (M.<area>.B.A2C.I.R.A.2250.EUR.N), New housing loan rate, fixed over 1 to 5 years, Euro area, 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.I.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01, via Invokely: https://invokely.ai/en/housing-loan-rate-fixed-over-one-to-five-years/euro-area (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 1 to 5 years (M.<area>.B.A2C.I.R.A.2250.EUR.N): New housing loan rate, fixed over 1 to 5 years, Euro area, 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.I.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-one-to-five-years/euro-area. Publisher attribution: European Central Bank. ECB MIR: New housing loan rate, fixed over 1 to 5 years (M.<area>.B.A2C.I.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.I.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 1 to 5 years (M.<area>.B.A2C.I.R.A.2250.EUR.N): New housing loan rate, fixed over 1 to 5 years, Euro area, 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.I.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01
L2  - https://invokely.ai/en/housing-loan-rate-fixed-over-one-to-five-years/euro-area
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/en/housing-loan-rate-fixed-over-one-to-five-years/euro-area.
N1  - Publisher attribution: European Central Bank. ECB MIR: New housing loan rate, fixed over 1 to 5 years (M.<area>.B.A2C.I.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.I.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 1 to 5 years in Euro area?

New housing loan rate, fixed over 1 to 5 years in Euro area was 3.6% in August 2026, according to the European Central Bank. That is up 0.2 pts from August 2025.

Where does this figure come from?

European Central Bank. ECB MIR: New housing loan rate, fixed over 1 to 5 years (M.<area>.B.A2C.I.R.A.2250.EUR.N). Retrieved by Invokely on 2026-10-12.

What was the highest new housing loan rate, fixed over 1 to 5 years in Euro area?

5.43% in September 2008, the highest value since January 2003 in this series.

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