# 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.

## 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.
- Figures last updated on 2026-10-12.

- Indicator id: `ecb_housing_rate_fixation_over_10y`
- Unit: %
- Note: 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.
- Web page: https://invokely.ai/en/housing-loan-rate-fixed-over-ten-years
- API: https://invokely.ai/api/v1/indicators/ecb_housing_rate_fixation_over_10y

## Rankings

- [EU countries](https://invokely.ai/rankings/housing-loan-rate-fixed-over-ten-years/eu-countries.md) (19 places)