Data / Outstanding household consumer and other loan rate / Euro area

Outstanding household consumer and other loan rate in Euro area

Outstanding household consumer and other loan rate in Euro area was 5.93% in August 2026, according to the European Central Bank. That is up 0.28 pts from August 2025.

August 20265.93% Provisional
Change on August 2025+0.28 pts
Series high7.27October 2008
Series low3.99April 2022
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Outstanding household consumer and other loan rate in Euro area, January 2003 to August 2026

3456782003-012006-062009-112013-042016-092020-022023-072026-082026-08: 5.93 %3456782003-012010-122018-112026-082026-08: 5.93 %
%. Source: ECB, ECB MIR: Outstanding household consumer and other loan rate (M.<area>.B.A25.A.R.A.2250.EUR.O). Retrieved 2026-10-12.
All 284 values
Period%
2026-085.93 Provisional
2026-075.93
2026-065.91
2026-055.84
2026-045.87
2026-035.8
2026-025.84
2026-015.73
2025-125.71
2025-115.71
2025-105.7
2025-095.7
2025-085.65
2025-075.64
2025-065.66
2025-055.65
2025-045.68
2025-035.69
2025-025.75
2025-015.65
2024-125.67
2024-115.73
2024-105.74
2024-095.76
2024-085.7
2024-075.69
2024-065.69
2024-055.66
2024-045.62
2024-035.58
2024-025.58
2024-015.51
2023-125.47
2023-115.44
2023-105.38
2023-095.32
2023-085.22
2023-075.16
2023-065.08
2023-054.98
2023-044.95
2023-034.8
2023-024.73
2023-014.62
2022-124.48
2022-114.4
2022-104.31
2022-094.18
2022-084.09
2022-074.06
2022-064.04
2022-054.02
2022-043.99
2022-034
2022-024.05
2022-014.02
2021-124.03
2021-114.05
2021-104.02
2021-094.05
2021-084.04
2021-074.04
2021-064.06
2021-054.09
2021-044.09
2021-034.13
2021-024.18
2021-014.16
2020-124.17
2020-114.21
2020-104.2
2020-094.23
2020-084.24
2020-074.25
2020-064.3
2020-054.32
2020-044.37
2020-034.41
2020-024.45
2020-014.43
2019-124.44
2019-114.47
2019-104.47
2019-094.5
2019-084.49
2019-074.49
2019-064.51
2019-054.5
2019-044.51
2019-034.52
2019-024.56
2019-014.52
2018-124.51
2018-114.55
2018-104.57
2018-094.6
2018-084.57
2018-074.58
2018-064.61
2018-054.61
2018-044.63
2018-034.67
2018-024.72
2018-014.68
2017-124.68
2017-114.72
2017-104.74
2017-094.76
2017-084.76
2017-074.78
2017-064.79
2017-054.77
2017-044.8
2017-034.82
2017-024.89
2017-014.85
2016-124.86
2016-114.9
2016-104.9
2016-094.96
2016-084.93
2016-074.95
2016-064.99
2016-055
2016-045.01
2016-035.04
2016-025.09
2016-015.1
2015-125.11
2015-115.15
2015-105.16
2015-095.2
2015-085.19
2015-075.2
2015-065.29
2015-055.23
2015-045.27
2015-035.32
2015-025.39
2015-015.34
2014-125.35
2014-115.39
2014-105.41
2014-095.46
2014-085.44
2014-075.46
2014-065.52
2014-055.48
2014-045.51
2014-035.51
2014-025.57
2014-015.5
2013-125.49
2013-115.51
2013-105.53
2013-095.57
2013-085.55
2013-075.57
2013-065.61
2013-055.59
2013-045.63
2013-035.66
2013-025.67
2013-015.66
2012-125.67
2012-115.67
2012-105.71
2012-095.77
2012-085.76
2012-075.79
2012-065.86
2012-055.89
2012-045.92
2012-035.99
2012-026.01
2012-016.03
2011-126.06
2011-116.07
2011-106.08
2011-096.07
2011-086.04
2011-076.03
2011-066.02
2011-055.97
2011-045.97
2011-035.95
2011-025.95
2011-015.92
2010-125.91
2010-115.94
2010-105.94
2010-095.97
2010-085.94
2010-075.94
2010-065.95
2010-055.89
2010-045.9
2010-035.95
2010-026.03
2010-015.99
2009-126.04
2009-116.11
2009-106.15
2009-096.24
2009-086.26
2009-076.3
2009-066.42
2009-056.47
2009-046.56
2009-036.73
2009-026.88
2009-016.92
2008-127.11
2008-117.23
2008-107.27
2008-097.26
2008-087.18
2008-077.15
2008-067.11
2008-057.02
2008-047.03
2008-037.02
2008-027.02
2008-016.99
2007-126.98
2007-116.94
2007-106.94
2007-096.9
2007-086.84
2007-076.81
2007-066.77
2007-056.74
2007-046.74
2007-036.7
2007-026.73
2007-016.68
2006-126.64
2006-116.61
2006-106.6
2006-096.58
2006-086.51
2006-076.5
2006-066.46
2006-056.43
2006-046.46
2006-036.46
2006-026.41
2006-016.37
2005-126.36
2005-116.37
2005-106.37
2005-096.41
2005-086.37
2005-076.42
2005-066.49
2005-056.48
2005-046.51
2005-036.54
2005-026.6
2005-016.56
2004-126.59
2004-116.57
2004-106.6
2004-096.66
2004-086.61
2004-076.63
2004-066.67
2004-056.65
2004-046.71
2004-036.73
2004-026.76
2004-016.76
2003-126.79
2003-116.81
2003-106.86
2003-096.9
2003-086.89
2003-076.93
2003-067.04
2003-057.06
2003-047.11
2003-037.15
2003-027.24
2003-017.18

Rankings

Definition

Annualised interest rate reported monthly on the outstanding stock of euro loans to households for consumption and other purposes.

This rate covers existing loan balances, rather than new agreements. Outstanding-amount statistics describe the loan stock and differ from new-business statistics. 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: Outstanding household consumer and other loan rate (M.<area>.B.A25.A.R.A.2250.EUR.O). 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.A25.A.R.A.2250.EUR.O?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: Outstanding household consumer and other loan rate (M.<area>.B.A25.A.R.A.2250.EUR.O) (Outstanding household consumer and other loan rate, Euro area, 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.A25.A.R.A.2250.EUR.O?format=csvdata&startPeriod=2003-01

MLA 9

ECB MIR: Outstanding household consumer and other loan rate (M.<area>.B.A25.A.R.A.2250.EUR.O), Outstanding household consumer and other loan rate, Euro area, 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.A25.A.R.A.2250.EUR.O?format=csvdata&startPeriod=2003-01. Invokely, https://invokely.ai/en/outstanding-household-consumer-and-other-loan-rate/euro-area. Accessed 12 Oct. 2026.

Chicago (author-date)

European Central Bank. n.d. ECB MIR: Outstanding household consumer and other loan rate (M.<area>.B.A25.A.R.A.2250.EUR.O). Outstanding household consumer and other loan rate, Euro area, 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.A25.A.R.A.2250.EUR.O?format=csvdata&startPeriod=2003-01. Also distributed by Invokely, https://invokely.ai/en/outstanding-household-consumer-and-other-loan-rate/euro-area.

Harvard

European Central Bank (no date) ECB MIR: Outstanding household consumer and other loan rate (M.<area>.B.A25.A.R.A.2250.EUR.O), Outstanding household consumer and other loan rate, Euro area, 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.A25.A.R.A.2250.EUR.O?format=csvdata&startPeriod=2003-01, via Invokely: https://invokely.ai/en/outstanding-household-consumer-and-other-loan-rate/euro-area (Accessed: 12 October 2026).

BibTeX
@misc{european_outstanding_household_consumer_and_2026,
  author = {{European Central Bank}},
  title = {{ECB MIR: Outstanding household consumer and other loan rate (M.<area>.B.A25.A.R.A.2250.EUR.O): Outstanding household consumer and other loan rate, Euro area, 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.A25.A.R.A.2250.EUR.O?format=csvdata&startPeriod=2003-01},
  urldate = {2026-10-12},
  note = {Accessed via Invokely, https://invokely.ai/en/outstanding-household-consumer-and-other-loan-rate/euro-area. Publisher attribution: European Central Bank. ECB MIR: Outstanding household consumer and other loan rate (M.<area>.B.A25.A.R.A.2250.EUR.O). 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.A25.A.R.A.2250.EUR.O?format=csvdata\&startPeriod=2003-01. Retrieved 2026-10-12.},
}
RIS
TY  - DATA
AU  - European Central Bank
TI  - ECB MIR: Outstanding household consumer and other loan rate (M.<area>.B.A25.A.R.A.2250.EUR.O): Outstanding household consumer and other loan rate, Euro area, 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.A25.A.R.A.2250.EUR.O?format=csvdata&startPeriod=2003-01
L2  - https://invokely.ai/en/outstanding-household-consumer-and-other-loan-rate/euro-area
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/en/outstanding-household-consumer-and-other-loan-rate/euro-area.
N1  - Publisher attribution: European Central Bank. ECB MIR: Outstanding household consumer and other loan rate (M.<area>.B.A25.A.R.A.2250.EUR.O). 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.A25.A.R.A.2250.EUR.O?format=csvdata&startPeriod=2003-01. Retrieved 2026-10-12.
ER  -
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Questions

What is the outstanding household consumer and other loan rate in Euro area?

Outstanding household consumer and other loan rate in Euro area was 5.93% in August 2026, according to the European Central Bank. That is up 0.28 pts from August 2025.

Where does this figure come from?

European Central Bank. ECB MIR: Outstanding household consumer and other loan rate (M.<area>.B.A25.A.R.A.2250.EUR.O). Retrieved by Invokely on 2026-10-12.

What was the highest outstanding household consumer and other loan rate in Euro area?

7.27% in October 2008, the highest value since January 2003 in this series.

Related statistics for Euro area

All statistics for Euro area