New housing loan rate, fixed over 10 years
Monthly average annual interest rate on new euro loans to households for house purchase, with initial rate fixation over 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.
Key facts
- Estonia had the highest new housing loan rate, fixed over 10 years of 18 EU countries in August 2026, at 12.98%, and Bulgaria the lowest, at 2.52%. Source: the European Central Bank.
- Published for 20 places, with figures from January 2003 to August 2026.
Rankings
EU countries by new housing loan rate, fixed over 10 years, August 2026
Places with data
World, EU and euro area
Countries
- Germany
- France
- Italy
- Spain
- Netherlands
- Belgium
- Portugal
- Greece
- Austria
- Bulgaria
- Croatia
- Slovakia
- Slovenia
- Finland
- Malta
- Estonia
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:
Which places have the highest new housing loan rate, fixed over 10 years? Use official data and cite it.
rank_places {"indicator":"ecb_housing_rate_fixation_over_10y","level":"country","within":"European Union (27)"}
GET https://invokely.ai/api/v1/rank?indicator=ecb_housing_rate_fixation_over_10y&level=country&within=European%20Union%20(27)