Data / New housing loan rate, fixed over 10 years / Italy

New housing loan rate, fixed over 10 years in Italy

New housing loan rate, fixed over 10 years in Italy was 3.6% in August 2026, according to the European Central Bank. That is up 0.29 pts from August 2025. That is the 9th highest of 18 EU countries in August 2026.

August 20263.6% Provisional
Change on August 2025+0.29 pts
Rank9th of 18EU countries ranked
Series high6.1August 2008
Series low1.23July 2020
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New housing loan rate, fixed over 10 years in Italy, January 2003 to August 2026

12345672003-012006-062009-112013-042016-092020-022023-072026-082026-08: 3.6 %024682003-012010-122018-112026-082026-08: 3.6 %
%. Source: ECB, ECB MIR: New housing loan rate, fixed over 10 years (M.<area>.B.A2C.P.R.A.2250.EUR.N). Retrieved 2026-10-12.
All 284 values
Period%
2026-083.6 Provisional
2026-073.56
2026-063.6
2026-053.59
2026-043.57
2026-033.43
2026-023.51
2026-013.55
2025-123.42
2025-113.32
2025-103.35
2025-093.31
2025-083.31
2025-073.22
2025-063.18
2025-053.14
2025-043.24
2025-033.08
2025-023.12
2025-013.07
2024-123.01
2024-113.15
2024-103.18
2024-093.22
2024-083.41
2024-073.38
2024-063.43
2024-053.45
2024-043.45
2024-033.59
2024-023.64
2024-013.68
2023-124.01
2023-114.31
2023-104.13
2023-094.02
2023-084.07
2023-074.02
2023-064.11
2023-054.14
2023-044.05
2023-034.11
2023-023.84
2023-013.78
2022-123.57
2022-113.64
2022-103.32
2022-092.86
2022-082.39
2022-072.61
2022-062.33
2022-052.11
2022-041.92
2022-031.71
2022-021.5
2022-011.45
2021-121.38
2021-111.44
2021-101.43
2021-091.37
2021-081.44
2021-071.4
2021-061.41
2021-051.4
2021-041.37
2021-031.36
2021-021.29
2021-011.26
2020-121.24
2020-111.26
2020-101.25
2020-091.25
2020-081.31
2020-071.23
2020-061.25
2020-051.3
2020-041.37
2020-031.37
2020-021.4
2020-011.45
2019-121.46
2019-111.48
2019-101.4
2019-091.46
2019-081.82
2019-071.84
2019-061.94
2019-052.05
2019-042.08
2019-032.02
2019-022.14
2019-012.15
2018-122.07
2018-112.07
2018-102.04
2018-091.95
2018-082.04
2018-071.96
2018-061.98
2018-052.01
2018-042.01
2018-032.1
2018-022.13
2018-012.15
2017-122.14
2017-112.23
2017-102.26
2017-092.24
2017-082.43
2017-072.32
2017-062.33
2017-052.33
2017-042.34
2017-032.27
2017-022.32
2017-012.27
2016-122.18
2016-112.2
2016-102.19
2016-092.18
2016-082.37
2016-072.32
2016-062.51
2016-052.58
2016-042.63
2016-032.65
2016-022.75
2016-012.82
2015-122.84
2015-112.91
2015-102.98
2015-093.03
2015-083.19
2015-073.23
2015-063.16
2015-053.04
2015-043.1
2015-033.35
2015-023.51
2015-013.66
2014-123.68
2014-113.93
2014-103.78
2014-094.09
2014-084.36
2014-074.31
2014-064.44
2014-054.62
2014-044.58
2014-034.62
2014-024.6
2014-014.74
2013-124.73
2013-114.73
2013-104.77
2013-094.83
2013-084.8
2013-074.64
2013-064.47
2013-054.38
2013-044.46
2013-034.55
2013-024.66
2013-014.51
2012-124.64
2012-114.85
2012-104.88
2012-094.81
2012-084.95
2012-074.86
2012-064.63
2012-055.02
2012-045.13
2012-035.21
2012-025.15
2012-015.14
2011-124.99
2011-114.6
2011-104.44
2011-094.64
2011-084.89
2011-074.78
2011-064.82
2011-054.84
2011-044.85
2011-034.74
2011-024.37
2011-014.22
2010-124.3
2010-114.2
2010-104.1
2010-094.09
2010-084.49
2010-074.39
2010-064.41
2010-054.61
2010-044.7
2010-034.74
2010-024.81
2010-014.93
2009-124.92
2009-115
2009-105.01
2009-095.02
2009-085.19
2009-075.17
2009-065.18
2009-055.06
2009-045.02
2009-035.01
2009-025.13
2009-015.1
2008-125.21
2008-115.59
2008-105.87
2008-095.93
2008-086.1
2008-076.08
2008-065.99
2008-055.9
2008-045.8
2008-035.78
2008-025.79
2008-015.88
2007-125.88
2007-115.83
2007-105.91
2007-095.85
2007-085.93
2007-075.96
2007-065.81
2007-055.67
2007-045.58
2007-035.51
2007-025.51
2007-015.43
2006-125.26
2006-115.29
2006-105.35
2006-095.43
2006-085.54
2006-075.37
2006-065.3
2006-055.22
2006-045.08
2006-034.95
2006-024.87
2006-014.78
2005-124.74
2005-114.7
2005-104.62
2005-094.61
2005-084.7
2005-074.68
2005-064.76
2005-054.87
2005-044.91
2005-034.55
2005-024.88
2005-015
2004-125.02
2004-115.19
2004-105.28
2004-095.39
2004-085.28
2004-075.29
2004-065.24
2004-055.04
2004-044.98
2004-034.98
2004-025.13
2004-015.02
2003-125.09
2003-115.3
2003-105.29
2003-095.34
2003-085.34
2003-075.13
2003-065.15
2003-055.4
2003-045.49
2003-035.43
2003-025
2003-015.03

Italy compared with nearby places

Austria: 3.67 %Belgium: 3.53 %Bulgaria: 2.52 %Germany: 4.04 %Estonia: 12.98 %Spain: 2.76 %Finland: 3.2 %France: 3.21 %Greece: 3.44 %Croatia: 2.93 %Italy: 3.6 %Lithuania: 5.94 %Luxembourg: 4.01 %Latvia: 5.34 %Netherlands: 3.38 %Portugal: 3.68 %Slovenia: 3.24 %Slovakia: 5.41 %
  • Under 3.2
  • 3.2 to 3.4
  • 3.4 to 3.7
  • 3.7 to 4.8
  • 4.8 and over
  • No data
New housing loan rate, fixed over 10 years, August 2026, %. Italy 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 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 10 years (M.<area>.B.A2C.P.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.P.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 10 years (M.<area>.B.A2C.P.R.A.2250.EUR.N) (New housing loan rate, fixed over 10 years, Italy, 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.P.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01

MLA 9

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

Chicago (author-date)

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

Harvard

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

New housing loan rate, fixed over 10 years in Italy was 3.6% in August 2026, according to the European Central Bank. That is up 0.29 pts from August 2025. That is the 9th highest of 18 EU countries in August 2026.

Where does this figure come from?

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

What was the highest new housing loan rate, fixed over 10 years in Italy?

6.1% in August 2008, the highest value since January 2003 in this series.

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

Related statistics for Italy

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