# Interest rate on new home loans in Spain

Interest rate on new home loans in Spain was 3.04% in August 2026. Source: Banco de España.

- Indicator id: `mortgage_interest_rate`
- Place id: `es`
- Unit: %
- Definition: Annualised agreed rate (TEDR) on new loans to households for house purchase in Spain.
- Source: 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
- License: Banco de España reuse terms (attribution required)
- Citation: 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.
- Web page: https://invokely.ai/en/mortgage-rate/spain
- CSV: https://invokely.ai/download/mortgage-rate/spain.csv
- API: https://invokely.ai/api/v1/series?indicator=mortgage_interest_rate&place=es

| Period | % |
|---|---:|
| 2026-08 | 3.04 |
| 2026-07 | 2.89 |
| 2026-06 | 2.89 |
| 2026-05 | 2.85 |
| 2026-04 | 2.8 |
| 2026-03 | 2.75 |
| 2026-02 | 2.75 |
| 2026-01 | 2.68 |
| 2025-12 | 2.61 |
| 2025-11 | 2.63 |
| 2025-10 | 2.67 |
| 2025-09 | 2.66 |
| 2025-08 | 2.68 |
| 2025-07 | 2.63 |
| 2025-06 | 2.68 |
| 2025-05 | 2.71 |
| 2025-04 | 2.75 |
| 2025-03 | 2.8 |
| 2025-02 | 2.87 |
| 2025-01 | 2.89 |
| 2024-12 | 2.9 |
| 2024-11 | 3.04 |
| 2024-10 | 3.2 |
| 2024-09 | 3.26 |
| 2024-08 | 3.38 |
| 2024-07 | 3.33 |
| 2024-06 | 3.37 |
| 2024-05 | 3.47 |
| 2024-04 | 3.5 |
| 2024-03 | 3.47 |
| 2024-02 | 3.62 |
| 2024-01 | 3.61 |
| 2023-12 | 3.78 |
| 2023-11 | 3.85 |
| 2023-10 | 3.94 |
| 2023-09 | 3.92 |
| 2023-08 | 3.93 |
| 2023-07 | 3.84 |
| 2023-06 | 3.82 |
| 2023-05 | 3.78 |
| 2023-04 | 3.69 |
| 2023-03 | 3.63 |
| 2023-02 | 3.52 |
| 2023-01 | 3.25 |
| 2022-12 | 2.96 |
| 2022-11 | 2.74 |
| 2022-10 | 2.54 |
| 2022-09 | 2.22 |
| 2022-08 | 2.03 |
| 2022-07 | 1.8 |
| 2022-06 | 1.7 |
| 2022-05 | 1.65 |
| 2022-04 | 1.55 |
| 2022-03 | 1.54 |
| 2022-02 | 1.52 |
| 2022-01 | 1.44 |
| 2021-12 | 1.38 |
| 2021-11 | 1.45 |
| 2021-10 | 1.46 |
| 2021-09 | 1.45 |
| 2021-08 | 1.54 |
| 2021-07 | 1.44 |
| 2021-06 | 1.46 |
| 2021-05 | 1.5 |
| 2021-04 | 1.52 |
| 2021-03 | 1.54 |
| 2021-02 | 1.53 |
| 2021-01 | 1.56 |
| 2020-12 | 1.51 |
| 2020-11 | 1.65 |
| 2020-10 | 1.71 |
| 2020-09 | 1.72 |
| 2020-08 | 1.78 |
| 2020-07 | 1.75 |
| 2020-06 | 1.78 |
| 2020-05 | 1.75 |
| 2020-04 | 1.72 |
| 2020-03 | 1.81 |
| 2020-02 | 1.81 |
| 2020-01 | 1.81 |
| 2019-12 | 1.69 |
| 2019-11 | 1.78 |
| 2019-10 | 1.82 |
| 2019-09 | 1.87 |
| 2019-08 | 1.99 |
| 2019-07 | 1.98 |
| 2019-06 | 2.07 |
| 2019-05 | 2.16 |
| 2019-04 | 2.15 |
| 2019-03 | 2.13 |
| 2019-02 | 2.12 |
| 2019-01 | 2.09 |
| 2018-12 | 1.99 |
| 2018-11 | 2.03 |
| 2018-10 | 2 |
| 2018-09 | 1.96 |
| 2018-08 | 2.03 |
| 2018-07 | 1.89 |
| 2018-06 | 1.9 |
| 2018-05 | 1.94 |
| 2018-04 | 1.97 |
| 2018-03 | 1.98 |
| 2018-02 | 1.96 |
| 2018-01 | 1.94 |
| 2017-12 | 1.83 |
| 2017-11 | 1.93 |
| 2017-10 | 1.96 |
| 2017-09 | 1.97 |
| 2017-08 | 2.06 |
| 2017-07 | 1.94 |
| 2017-06 | 1.92 |
| 2017-05 | 1.93 |
| 2017-04 | 1.92 |
| 2017-03 | 1.94 |
| 2017-02 | 1.98 |
| 2017-01 | 1.99 |
| 2016-12 | 1.91 |
| 2016-11 | 1.97 |
| 2016-10 | 2.02 |
| 2016-09 | 2.04 |
| 2016-08 | 2.03 |
| 2016-07 | 1.98 |
| 2016-06 | 1.99 |
| 2016-05 | 2.05 |
| 2016-04 | 2.09 |
| 2016-03 | 1.98 |
| 2016-02 | 2.03 |
| 2016-01 | 2.04 |
| 2015-12 | 1.98 |
| 2015-11 | 2.1 |
| 2015-10 | 2.15 |
| 2015-09 | 2.17 |
| 2015-08 | 2.22 |
| 2015-07 | 2.14 |
| 2015-06 | 2.2 |
| 2015-05 | 2.28 |
| 2015-04 | 2.28 |
| 2015-03 | 2.33 |
| 2015-02 | 2.49 |
| 2015-01 | 2.58 |
| 2014-12 | 2.56 |
| 2014-11 | 2.72 |
| 2014-10 | 2.87 |
| 2014-09 | 2.96 |
| 2014-08 | 2.93 |
| 2014-07 | 2.94 |
| 2014-06 | 3.11 |
| 2014-05 | 3.01 |
| 2014-04 | 3.03 |
| 2014-03 | 3.13 |
| 2014-02 | 3.12 |
| 2014-01 | 3.15 |
| 2013-12 | 2.99 |
| 2013-11 | 3.03 |
| 2013-10 | 2.99 |
| 2013-09 | 3 |
| 2013-08 | 3.01 |
| 2013-07 | 3 |
| 2013-06 | 3.04 |
| 2013-05 | 3.08 |
| 2013-04 | 3.1 |
| 2013-03 | 3.12 |
| 2013-02 | 3.13 |
| 2013-01 | 3.03 |
| 2012-12 | 2.81 |
| 2012-11 | 2.97 |
| 2012-10 | 3.07 |
| 2012-09 | 3.1 |
| 2012-08 | 3.21 |
| 2012-07 | 3.26 |
| 2012-06 | 3.31 |
| 2012-05 | 3.36 |
| 2012-04 | 3.45 |
| 2012-03 | 3.62 |
| 2012-02 | 3.72 |
| 2012-01 | 3.71 |
| 2011-12 | 3.58 |
| 2011-11 | 3.63 |
| 2011-10 | 3.65 |
| 2011-09 | 3.58 |
| 2011-08 | 3.59 |
| 2011-07 | 3.49 |
| 2011-06 | 3.43 |
| 2011-05 | 3.35 |
| 2011-04 | 3.21 |
| 2011-03 | 3.07 |
| 2011-02 | 2.98 |
| 2011-01 | 2.88 |
| 2010-12 | 2.6 |
| 2010-11 | 2.66 |
| 2010-10 | 2.64 |
| 2010-09 | 2.61 |
| 2010-08 | 2.55 |
| 2010-07 | 2.46 |
| 2010-06 | 2.36 |
| 2010-05 | 2.42 |
| 2010-04 | 2.45 |
| 2010-03 | 2.51 |
| 2010-02 | 2.58 |
| 2010-01 | 2.52 |
| 2009-12 | 2.53 |
| 2009-11 | 2.61 |
| 2009-10 | 2.69 |
| 2009-09 | 2.72 |
| 2009-08 | 2.89 |
| 2009-07 | 2.98 |
| 2009-06 | 3.06 |
| 2009-05 | 3.25 |
| 2009-04 | 3.45 |
| 2009-03 | 3.8 |
| 2009-02 | 4.24 |
| 2009-01 | 4.84 |
| 2008-12 | 5.65 |
| 2008-11 | 6.02 |
| 2008-10 | 6.07 |
| 2008-09 | 6.05 |
| 2008-08 | 6.03 |
| 2008-07 | 5.81 |
| 2008-06 | 5.59 |
| 2008-05 | 5.43 |
| 2008-04 | 5.27 |
| 2008-03 | 5.29 |
| 2008-02 | 5.42 |
| 2008-01 | 5.42 |
| 2007-12 | 5.38 |
| 2007-11 | 5.42 |
| 2007-10 | 5.41 |
| 2007-09 | 5.33 |
| 2007-08 | 5.27 |
| 2007-07 | 5.16 |
| 2007-06 | 5.05 |
| 2007-05 | 4.95 |
| 2007-04 | 4.9 |
| 2007-03 | 4.84 |
| 2007-02 | 4.79 |
| 2007-01 | 4.71 |
| 2006-12 | 4.56 |
| 2006-11 | 4.54 |
| 2006-10 | 4.46 |
| 2006-09 | 4.35 |
| 2006-08 | 4.23 |
| 2006-07 | 4.11 |
| 2006-06 | 4 |
| 2006-05 | 3.9 |
| 2006-04 | 3.75 |
| 2006-03 | 3.66 |
| 2006-02 | 3.6 |
| 2006-01 | 3.48 |
| 2005-12 | 3.32 |
| 2005-11 | 3.21 |
| 2005-10 | 3.17 |
| 2005-09 | 3.15 |
| 2005-08 | 3.15 |
| 2005-07 | 3.14 |
| 2005-06 | 3.2 |
| 2005-05 | 3.26 |
| 2005-04 | 3.25 |
| 2005-03 | 3.26 |
| 2005-02 | 3.28 |
| 2005-01 | 3.26 |
| 2004-12 | 3.23 |
| 2004-11 | 3.3 |
| 2004-10 | 3.28 |
| 2004-09 | 3.27 |
| 2004-08 | 3.27 |
| 2004-07 | 3.22 |
| 2004-06 | 3.14 |
| 2004-05 | 3.1 |
| 2004-04 | 3.15 |
| 2004-03 | 3.21 |
| 2004-02 | 3.33 |
| 2004-01 | 3.36 |
| 2003-12 | 3.32 |
| 2003-11 | 3.31 |
| 2003-10 | 3.35 |
| 2003-09 | 3.34 |
| 2003-08 | 3.33 |
| 2003-07 | 3.42 |
| 2003-06 | 3.61 |
| 2003-05 | 3.72 |
| 2003-04 | 3.79 |
| 2003-03 | 3.9 |
| 2003-02 | 4.06 |
| 2003-01 | 4.21 |