Data / Interest rate on new home loans / Spain

Interest rate on new home loans in Spain

Interest rate on new home loans in Spain was 3.04% in August 2026, according to Banco de España. That is up 0.36 pts from August 2025.

August 20263.04%
Change on August 2025+0.36 pts
Series high6.07October 2008
Series low1.38December 2021

Interest rate on new home loans in Spain, January 2003 to August 2026

CSVChart (SVG)

12345672003-012006-062009-112013-042016-092020-022023-072026-082003-01: 4.21 %2003-02: 4.06 %2003-03: 3.9 %2003-04: 3.79 %2003-05: 3.72 %2003-06: 3.61 %2003-07: 3.42 %2003-08: 3.33 %2003-09: 3.34 %2003-10: 3.35 %2003-11: 3.31 %2003-12: 3.32 %2004-01: 3.36 %2004-02: 3.33 %2004-03: 3.21 %2004-04: 3.15 %2004-05: 3.1 %2004-06: 3.14 %2004-07: 3.22 %2004-08: 3.27 %2004-09: 3.27 %2004-10: 3.28 %2004-11: 3.3 %2004-12: 3.23 %2005-01: 3.26 %2005-02: 3.28 %2005-03: 3.26 %2005-04: 3.25 %2005-05: 3.26 %2005-06: 3.2 %2005-07: 3.14 %2005-08: 3.15 %2005-09: 3.15 %2005-10: 3.17 %2005-11: 3.21 %2005-12: 3.32 %2006-01: 3.48 %2006-02: 3.6 %2006-03: 3.66 %2006-04: 3.75 %2006-05: 3.9 %2006-06: 4 %2006-07: 4.11 %2006-08: 4.23 %2006-09: 4.35 %2006-10: 4.46 %2006-11: 4.54 %2006-12: 4.56 %2007-01: 4.71 %2007-02: 4.79 %2007-03: 4.84 %2007-04: 4.9 %2007-05: 4.95 %2007-06: 5.05 %2007-07: 5.16 %2007-08: 5.27 %2007-09: 5.33 %2007-10: 5.41 %2007-11: 5.42 %2007-12: 5.38 %2008-01: 5.42 %2008-02: 5.42 %2008-03: 5.29 %2008-04: 5.27 %2008-05: 5.43 %2008-06: 5.59 %2008-07: 5.81 %2008-08: 6.03 %2008-09: 6.05 %2008-10: 6.07 %2008-11: 6.02 %2008-12: 5.65 %2009-01: 4.84 %2009-02: 4.24 %2009-03: 3.8 %2009-04: 3.45 %2009-05: 3.25 %2009-06: 3.06 %2009-07: 2.98 %2009-08: 2.89 %2009-09: 2.72 %2009-10: 2.69 %2009-11: 2.61 %2009-12: 2.53 %2010-01: 2.52 %2010-02: 2.58 %2010-03: 2.51 %2010-04: 2.45 %2010-05: 2.42 %2010-06: 2.36 %2010-07: 2.46 %2010-08: 2.55 %2010-09: 2.61 %2010-10: 2.64 %2010-11: 2.66 %2010-12: 2.6 %2011-01: 2.88 %2011-02: 2.98 %2011-03: 3.07 %2011-04: 3.21 %2011-05: 3.35 %2011-06: 3.43 %2011-07: 3.49 %2011-08: 3.59 %2011-09: 3.58 %2011-10: 3.65 %2011-11: 3.63 %2011-12: 3.58 %2012-01: 3.71 %2012-02: 3.72 %2012-03: 3.62 %2012-04: 3.45 %2012-05: 3.36 %2012-06: 3.31 %2012-07: 3.26 %2012-08: 3.21 %2012-09: 3.1 %2012-10: 3.07 %2012-11: 2.97 %2012-12: 2.81 %2013-01: 3.03 %2013-02: 3.13 %2013-03: 3.12 %2013-04: 3.1 %2013-05: 3.08 %2013-06: 3.04 %2013-07: 3 %2013-08: 3.01 %2013-09: 3 %2013-10: 2.99 %2013-11: 3.03 %2013-12: 2.99 %2014-01: 3.15 %2014-02: 3.12 %2014-03: 3.13 %2014-04: 3.03 %2014-05: 3.01 %2014-06: 3.11 %2014-07: 2.94 %2014-08: 2.93 %2014-09: 2.96 %2014-10: 2.87 %2014-11: 2.72 %2014-12: 2.56 %2015-01: 2.58 %2015-02: 2.49 %2015-03: 2.33 %2015-04: 2.28 %2015-05: 2.28 %2015-06: 2.2 %2015-07: 2.14 %2015-08: 2.22 %2015-09: 2.17 %2015-10: 2.15 %2015-11: 2.1 %2015-12: 1.98 %2016-01: 2.04 %2016-02: 2.03 %2016-03: 1.98 %2016-04: 2.09 %2016-05: 2.05 %2016-06: 1.99 %2016-07: 1.98 %2016-08: 2.03 %2016-09: 2.04 %2016-10: 2.02 %2016-11: 1.97 %2016-12: 1.91 %2017-01: 1.99 %2017-02: 1.98 %2017-03: 1.94 %2017-04: 1.92 %2017-05: 1.93 %2017-06: 1.92 %2017-07: 1.94 %2017-08: 2.06 %2017-09: 1.97 %2017-10: 1.96 %2017-11: 1.93 %2017-12: 1.83 %2018-01: 1.94 %2018-02: 1.96 %2018-03: 1.98 %2018-04: 1.97 %2018-05: 1.94 %2018-06: 1.9 %2018-07: 1.89 %2018-08: 2.03 %2018-09: 1.96 %2018-10: 2 %2018-11: 2.03 %2018-12: 1.99 %2019-01: 2.09 %2019-02: 2.12 %2019-03: 2.13 %2019-04: 2.15 %2019-05: 2.16 %2019-06: 2.07 %2019-07: 1.98 %2019-08: 1.99 %2019-09: 1.87 %2019-10: 1.82 %2019-11: 1.78 %2019-12: 1.69 %2020-01: 1.81 %2020-02: 1.81 %2020-03: 1.81 %2020-04: 1.72 %2020-05: 1.75 %2020-06: 1.78 %2020-07: 1.75 %2020-08: 1.78 %2020-09: 1.72 %2020-10: 1.71 %2020-11: 1.65 %2020-12: 1.51 %2021-01: 1.56 %2021-02: 1.53 %2021-03: 1.54 %2021-04: 1.52 %2021-05: 1.5 %2021-06: 1.46 %2021-07: 1.44 %2021-08: 1.54 %2021-09: 1.45 %2021-10: 1.46 %2021-11: 1.45 %2021-12: 1.38 %2022-01: 1.44 %2022-02: 1.52 %2022-03: 1.54 %2022-04: 1.55 %2022-05: 1.65 %2022-06: 1.7 %2022-07: 1.8 %2022-08: 2.03 %2022-09: 2.22 %2022-10: 2.54 %2022-11: 2.74 %2022-12: 2.96 %2023-01: 3.25 %2023-02: 3.52 %2023-03: 3.63 %2023-04: 3.69 %2023-05: 3.78 %2023-06: 3.82 %2023-07: 3.84 %2023-08: 3.93 %2023-09: 3.92 %2023-10: 3.94 %2023-11: 3.85 %2023-12: 3.78 %2024-01: 3.61 %2024-02: 3.62 %2024-03: 3.47 %2024-04: 3.5 %2024-05: 3.47 %2024-06: 3.37 %2024-07: 3.33 %2024-08: 3.38 %2024-09: 3.26 %2024-10: 3.2 %2024-11: 3.04 %2024-12: 2.9 %2025-01: 2.89 %2025-02: 2.87 %2025-03: 2.8 %2025-04: 2.75 %2025-05: 2.71 %2025-06: 2.68 %2025-07: 2.63 %2025-08: 2.68 %2025-09: 2.66 %2025-10: 2.67 %2025-11: 2.63 %2025-12: 2.61 %2026-01: 2.68 %2026-02: 2.75 %2026-03: 2.75 %2026-04: 2.8 %2026-05: 2.85 %2026-06: 2.89 %2026-07: 2.89 %2026-08: 3.04 %
%. Source: Banco de España. Retrieved 2026-10-07.
All 284 values
Period%
2026-083.04
2026-072.89
2026-062.89
2026-052.85
2026-042.8
2026-032.75
2026-022.75
2026-012.68
2025-122.61
2025-112.63
2025-102.67
2025-092.66
2025-082.68
2025-072.63
2025-062.68
2025-052.71
2025-042.75
2025-032.8
2025-022.87
2025-012.89
2024-122.9
2024-113.04
2024-103.2
2024-093.26
2024-083.38
2024-073.33
2024-063.37
2024-053.47
2024-043.5
2024-033.47
2024-023.62
2024-013.61
2023-123.78
2023-113.85
2023-103.94
2023-093.92
2023-083.93
2023-073.84
2023-063.82
2023-053.78
2023-043.69
2023-033.63
2023-023.52
2023-013.25
2022-122.96
2022-112.74
2022-102.54
2022-092.22
2022-082.03
2022-071.8
2022-061.7
2022-051.65
2022-041.55
2022-031.54
2022-021.52
2022-011.44
2021-121.38
2021-111.45
2021-101.46
2021-091.45
2021-081.54
2021-071.44
2021-061.46
2021-051.5
2021-041.52
2021-031.54
2021-021.53
2021-011.56
2020-121.51
2020-111.65
2020-101.71
2020-091.72
2020-081.78
2020-071.75
2020-061.78
2020-051.75
2020-041.72
2020-031.81
2020-021.81
2020-011.81
2019-121.69
2019-111.78
2019-101.82
2019-091.87
2019-081.99
2019-071.98
2019-062.07
2019-052.16
2019-042.15
2019-032.13
2019-022.12
2019-012.09
2018-121.99
2018-112.03
2018-102
2018-091.96
2018-082.03
2018-071.89
2018-061.9
2018-051.94
2018-041.97
2018-031.98
2018-021.96
2018-011.94
2017-121.83
2017-111.93
2017-101.96
2017-091.97
2017-082.06
2017-071.94
2017-061.92
2017-051.93
2017-041.92
2017-031.94
2017-021.98
2017-011.99
2016-121.91
2016-111.97
2016-102.02
2016-092.04
2016-082.03
2016-071.98
2016-061.99
2016-052.05
2016-042.09
2016-031.98
2016-022.03
2016-012.04
2015-121.98
2015-112.1
2015-102.15
2015-092.17
2015-082.22
2015-072.14
2015-062.2
2015-052.28
2015-042.28
2015-032.33
2015-022.49
2015-012.58
2014-122.56
2014-112.72
2014-102.87
2014-092.96
2014-082.93
2014-072.94
2014-063.11
2014-053.01
2014-043.03
2014-033.13
2014-023.12
2014-013.15
2013-122.99
2013-113.03
2013-102.99
2013-093
2013-083.01
2013-073
2013-063.04
2013-053.08
2013-043.1
2013-033.12
2013-023.13
2013-013.03
2012-122.81
2012-112.97
2012-103.07
2012-093.1
2012-083.21
2012-073.26
2012-063.31
2012-053.36
2012-043.45
2012-033.62
2012-023.72
2012-013.71
2011-123.58
2011-113.63
2011-103.65
2011-093.58
2011-083.59
2011-073.49
2011-063.43
2011-053.35
2011-043.21
2011-033.07
2011-022.98
2011-012.88
2010-122.6
2010-112.66
2010-102.64
2010-092.61
2010-082.55
2010-072.46
2010-062.36
2010-052.42
2010-042.45
2010-032.51
2010-022.58
2010-012.52
2009-122.53
2009-112.61
2009-102.69
2009-092.72
2009-082.89
2009-072.98
2009-063.06
2009-053.25
2009-043.45
2009-033.8
2009-024.24
2009-014.84
2008-125.65
2008-116.02
2008-106.07
2008-096.05
2008-086.03
2008-075.81
2008-065.59
2008-055.43
2008-045.27
2008-035.29
2008-025.42
2008-015.42
2007-125.38
2007-115.42
2007-105.41
2007-095.33
2007-085.27
2007-075.16
2007-065.05
2007-054.95
2007-044.9
2007-034.84
2007-024.79
2007-014.71
2006-124.56
2006-114.54
2006-104.46
2006-094.35
2006-084.23
2006-074.11
2006-064
2006-053.9
2006-043.75
2006-033.66
2006-023.6
2006-013.48
2005-123.32
2005-113.21
2005-103.17
2005-093.15
2005-083.15
2005-073.14
2005-063.2
2005-053.26
2005-043.25
2005-033.26
2005-023.28
2005-013.26
2004-123.23
2004-113.3
2004-103.28
2004-093.27
2004-083.27
2004-073.22
2004-063.14
2004-053.1
2004-043.15
2004-033.21
2004-023.33
2004-013.36
2003-123.32
2003-113.31
2003-103.35
2003-093.34
2003-083.33
2003-073.42
2003-063.61
2003-053.72
2003-043.79
2003-033.9
2003-024.06
2003-014.21

Definition

Annualised agreed rate (TEDR) on new loans to households for house purchase in Spain.

How to cite

Banco de España. Tipos de interés de nuevas operaciones, préstamos a hogares para vivienda, TEDR (serie DN_1TI2T0135). https://www.bde.es/webbe/es/estadisticas/temas/tipos-interes.html. Retrieved 2026-10-07.

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Questions

What is the interest rate on new home loans in Spain?

Interest rate on new home loans in Spain was 3.04% in August 2026, according to Banco de España. That is up 0.36 pts from August 2025.

Where does this figure come from?

Banco de España. Tipos de interés de nuevas operaciones, préstamos a hogares para vivienda, TEDR (serie DN_1TI2T0135). Retrieved by Invokely on 2026-10-07.

What was the highest interest rate on new home loans in Spain?

6.07% in October 2008, the highest value since January 2003 in this series.

More statistics for Spain

All statistics for Spain