Data / New housing loan rate, floating or fixed up to 1 year / Spain

New housing loan rate, floating or fixed up to 1 year in Spain

New housing loan rate, floating or fixed up to 1 year in Spain was 3.23% in August 2026, according to the European Central Bank. That is up 0.28 pts from August 2025. That is the 16th highest of 21 EU countries in August 2026.

August 20263.23% Provisional
Change on August 2025+0.28 pts
Rank16th of 21EU countries ranked
Series high6.04October 2008
Series low1.31December 2021
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New housing loan rate, floating or fixed up to 1 year in Spain, January 2003 to August 2026

12345672003-012006-062009-112013-042016-092020-022023-072026-082026-08: 3.23 %024682003-012010-122018-112026-082026-08: 3.23 %
%. Source: ECB, ECB MIR: New housing loan rate, floating or fixed up to 1 year (M.<area>.B.A2C.F.R.A.2250.EUR.N). Retrieved 2026-10-12.
All 284 values
Period%
2026-083.23 Provisional
2026-073.16
2026-063.05
2026-053.1
2026-042.89
2026-032.83
2026-022.89
2026-012.89
2025-122.87
2025-112.95
2025-102.85
2025-092.77
2025-082.95
2025-072.83
2025-062.98
2025-052.99
2025-043.14
2025-033.22
2025-023.27
2025-013.24
2024-123.43
2024-113.61
2024-103.8
2024-093.85
2024-084.19
2024-074.25
2024-064.25
2024-054.36
2024-044.36
2024-034.28
2024-024.01
2024-013.56
2023-124.42
2023-114.54
2023-104.61
2023-094.53
2023-084.55
2023-074.42
2023-064.25
2023-054.25
2023-044.14
2023-033.99
2023-023.83
2023-013.6
2022-123.21
2022-112.87
2022-102.54
2022-092.2
2022-082.13
2022-071.89
2022-061.56
2022-051.44
2022-041.35
2022-031.4
2022-021.33
2022-011.32
2021-121.31
2021-111.37
2021-101.38
2021-091.35
2021-081.5
2021-071.4
2021-061.43
2021-051.45
2021-041.4
2021-031.43
2021-021.34
2021-011.44
2020-121.41
2020-111.51
2020-101.59
2020-091.58
2020-081.67
2020-071.61
2020-061.64
2020-051.67
2020-041.63
2020-031.6
2020-021.6
2020-011.59
2019-121.56
2019-111.6
2019-101.53
2019-091.52
2019-081.67
2019-071.6
2019-061.73
2019-051.76
2019-041.74
2019-031.75
2019-021.68
2019-011.67
2018-121.67
2018-111.65
2018-101.61
2018-091.57
2018-081.63
2018-071.52
2018-061.52
2018-051.54
2018-041.62
2018-031.62
2018-021.62
2018-011.56
2017-121.59
2017-111.54
2017-101.57
2017-091.59
2017-081.81
2017-071.65
2017-061.5
2017-051.51
2017-041.51
2017-031.51
2017-021.58
2017-011.61
2016-121.59
2016-111.6
2016-101.67
2016-091.66
2016-081.67
2016-071.65
2016-061.64
2016-051.68
2016-041.66
2016-031.68
2016-021.73
2016-011.76
2015-121.78
2015-111.84
2015-101.93
2015-092.04
2015-082.14
2015-071.96
2015-061.98
2015-052.04
2015-042.02
2015-032.07
2015-022.28
2015-012.37
2014-122.4
2014-112.52
2014-102.61
2014-092.7
2014-082.72
2014-072.71
2014-062.99
2014-052.84
2014-042.83
2014-032.99
2014-022.93
2014-012.99
2013-122.84
2013-112.8
2013-102.75
2013-092.78
2013-082.83
2013-072.82
2013-062.91 Provisional
2013-052.9
2013-042.92
2013-032.9
2013-022.97
2013-012.91
2012-122.66
2012-112.82
2012-102.88
2012-092.94
2012-083.07
2012-073.13
2012-063.22
2012-053.21
2012-043.32
2012-033.47
2012-023.54
2012-013.57
2011-123.47
2011-113.48
2011-103.49
2011-093.42
2011-083.45
2011-073.36
2011-063.3
2011-053.21
2011-043.09
2011-032.92
2011-022.84
2011-012.76
2010-122.52
2010-112.56
2010-102.54
2010-092.5
2010-082.44
2010-072.37
2010-062.3
2010-052.33
2010-042.36
2010-032.41
2010-022.49
2010-012.42
2009-122.45
2009-112.52
2009-102.59
2009-092.61
2009-082.8
2009-072.92
2009-062.95
2009-053.13
2009-043.34
2009-033.69
2009-024.16
2009-014.8
2008-125.63
2008-115.99
2008-106.04
2008-096.01
2008-086
2008-075.77
2008-065.55
2008-055.39
2008-045.23
2008-035.25
2008-025.39
2008-015.39
2007-125.35
2007-115.38
2007-105.36
2007-095.28
2007-085.22
2007-075.11
2007-065.01
2007-054.91
2007-044.86
2007-034.82
2007-024.75
2007-014.69
2006-124.53
2006-114.51
2006-104.43
2006-094.32
2006-084.21
2006-074.08
2006-063.98
2006-053.87
2006-043.73
2006-033.63
2006-023.57
2006-013.45
2005-123.29
2005-113.18
2005-103.13
2005-093.11
2005-083.1
2005-073.1
2005-063.16
2005-053.22
2005-043.21
2005-033.22
2005-023.23
2005-013.21
2004-123.19
2004-113.22
2004-103.24
2004-093.22
2004-083.22
2004-073.18
2004-063.09
2004-053.06
2004-043.09
2004-033.15
2004-023.27
2004-013.31
2003-123.29
2003-113.29
2003-103.34
2003-093.32
2003-083.32
2003-073.41
2003-063.58
2003-053.68
2003-043.75
2003-033.87
2003-024.01
2003-014.17

Spain compared with nearby places

Austria: 3.65 %Belgium: 4.69 %Bulgaria: 2.42 %Cyprus: 4.16 %Germany: 4.4 %Estonia: 4.16 %Spain: 3.23 %Finland: 3.22 %France: 3.84 %Greece: 3.39 %Croatia: 3.17 %Ireland: 4 %Italy: 3.37 %Lithuania: 4.12 %Luxembourg: 3.19 %Latvia: 4.2 %Malta: 2.53 %Netherlands: 4.3 %Portugal: 3.28 %Slovenia: 3.33 %Slovakia: 3.75 %
  • Under 3.2
  • 3.2 to 3.4
  • 3.4 to 3.8
  • 3.8 to 4.2
  • 4.2 and over
  • No data
New housing loan rate, floating or fixed up to 1 year, August 2026, %. Spain 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 a floating rate or initial rate fixation of up to 1 year.

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, floating or fixed up to 1 year (M.<area>.B.A2C.F.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.F.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, floating or fixed up to 1 year (M.<area>.B.A2C.F.R.A.2250.EUR.N) (New housing loan rate, floating or fixed up to 1 year, Spain, 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.F.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01

MLA 9

ECB MIR: New housing loan rate, floating or fixed up to 1 year (M.<area>.B.A2C.F.R.A.2250.EUR.N), New housing loan rate, floating or fixed up to 1 year, Spain, 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.F.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01. Invokely, https://invokely.ai/en/housing-loan-rate-floating-or-fixed-up-to-one-year/spain. Accessed 12 Oct. 2026.

Chicago (author-date)

European Central Bank. n.d. ECB MIR: New housing loan rate, floating or fixed up to 1 year (M.<area>.B.A2C.F.R.A.2250.EUR.N). New housing loan rate, floating or fixed up to 1 year, Spain, 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.F.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01. Also distributed by Invokely, https://invokely.ai/en/housing-loan-rate-floating-or-fixed-up-to-one-year/spain.

Harvard

European Central Bank (no date) ECB MIR: New housing loan rate, floating or fixed up to 1 year (M.<area>.B.A2C.F.R.A.2250.EUR.N), New housing loan rate, floating or fixed up to 1 year, Spain, 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.F.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01, via Invokely: https://invokely.ai/en/housing-loan-rate-floating-or-fixed-up-to-one-year/spain (Accessed: 12 October 2026).

BibTeX
@misc{european_new_housing_loan_rate_2026,
  author = {{European Central Bank}},
  title = {{ECB MIR: New housing loan rate, floating or fixed up to 1 year (M.<area>.B.A2C.F.R.A.2250.EUR.N): New housing loan rate, floating or fixed up to 1 year, Spain, 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.F.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-floating-or-fixed-up-to-one-year/spain. Publisher attribution: European Central Bank. ECB MIR: New housing loan rate, floating or fixed up to 1 year (M.<area>.B.A2C.F.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.F.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, floating or fixed up to 1 year (M.<area>.B.A2C.F.R.A.2250.EUR.N): New housing loan rate, floating or fixed up to 1 year, Spain, 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.F.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01
L2  - https://invokely.ai/en/housing-loan-rate-floating-or-fixed-up-to-one-year/spain
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/en/housing-loan-rate-floating-or-fixed-up-to-one-year/spain.
N1  - Publisher attribution: European Central Bank. ECB MIR: New housing loan rate, floating or fixed up to 1 year (M.<area>.B.A2C.F.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.F.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, floating or fixed up to 1 year in Spain?

New housing loan rate, floating or fixed up to 1 year in Spain was 3.23% in August 2026, according to the European Central Bank. That is up 0.28 pts from August 2025. That is the 16th highest of 21 EU countries in August 2026.

Where does this figure come from?

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

What was the highest new housing loan rate, floating or fixed up to 1 year in Spain?

6.04% in October 2008, the highest value since January 2003 in this series.

New housing loan rate, floating or fixed up to 1 year elsewhere in European Union (27)

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