Data / Outstanding household consumer and other loan rate / Germany

Outstanding household consumer and other loan rate in Germany

Outstanding household consumer and other loan rate in Germany was 5.54% in August 2026, according to the European Central Bank. That is up 0.26 pts from August 2025. That is the 13th highest of 21 EU countries in August 2026.

August 20265.54%
Change on August 2025+0.26 pts
Rank13th of 21EU countries ranked
Series high7February 2003
Series low3.6February 2022
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Outstanding household consumer and other loan rate in Germany, January 2003 to August 2026

345672003-012006-062009-112013-042016-092020-022023-072026-082026-08: 5.54 %345672003-012010-122018-112026-082026-08: 5.54 %
%. 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%
2026-085.54
2026-075.51
2026-065.49
2026-055.44
2026-045.42
2026-035.41
2026-025.37
2026-015.37
2025-125.34
2025-115.31
2025-105.32
2025-095.32
2025-085.28
2025-075.27
2025-065.28
2025-055.25
2025-045.23
2025-035.26
2025-025.23
2025-015.2
2024-125.22
2024-115.19
2024-105.18
2024-095.21
2024-085.15
2024-075.12
2024-065.11
2024-055.07
2024-045.01
2024-034.98
2024-024.96
2024-014.92
2023-124.86
2023-114.81
2023-104.77
2023-094.69
2023-084.61
2023-074.55
2023-064.47
2023-054.39
2023-044.31
2023-034.22
2023-024.14
2023-014.07
2022-123.96
2022-113.9
2022-103.85
2022-093.72
2022-083.67
2022-073.63
2022-063.63
2022-053.6
2022-043.6
2022-033.61
2022-023.6
2022-013.61
2021-123.62
2021-113.62
2021-103.63
2021-093.66
2021-083.65
2021-073.65
2021-063.68
2021-053.67
2021-043.69
2021-033.71
2021-023.72
2021-013.75
2020-123.76
2020-113.78
2020-103.8
2020-093.83
2020-083.86
2020-073.87
2020-063.89
2020-053.88
2020-043.92
2020-033.98
2020-023.97
2020-013.98
2019-124
2019-113.99
2019-104.02
2019-094.06
2019-084.05
2019-074.06
2019-064.08
2019-054.08
2019-044.08
2019-034.1
2019-024.11
2019-014.12
2018-124.13
2018-114.12
2018-104.15
2018-094.17
2018-084.17
2018-074.18
2018-064.2
2018-054.21
2018-044.21
2018-034.23
2018-024.24
2018-014.26
2017-124.26
2017-114.27
2017-104.3
2017-094.32
2017-084.33
2017-074.35
2017-064.38
2017-054.38
2017-044.4
2017-034.44
2017-024.45
2017-014.46
2016-124.49
2016-114.5
2016-104.54
2016-094.58
2016-084.59
2016-074.61
2016-064.66
2016-054.67
2016-044.68
2016-034.74
2016-024.75
2016-014.77
2015-124.8
2015-114.82
2015-104.85
2015-094.9
2015-084.9
2015-074.93
2015-064.99
2015-054.98
2015-045.02
2015-035.08
2015-025.09
2015-015.11
2014-125.14
2014-115.16
2014-105.2
2014-095.24
2014-085.23
2014-075.27
2014-065.32
2014-055.3
2014-045.31
2014-035.36
2014-025.34
2014-015.37
2013-125.39
2013-115.39
2013-105.43
2013-095.48
2013-085.46
2013-075.49
2013-065.53
2013-055.53
2013-045.56
2013-035.6
2013-025.6
2013-015.62
2012-125.65
2012-115.65
2012-105.7
2012-095.76
2012-085.77
2012-075.81
2012-065.87
2012-055.94
2012-045.96
2012-036.06
2012-026.07
2012-016.1
2011-126.13
2011-116.14
2011-106.18
2011-096.19
2011-086.19
2011-076.18
2011-066.18
2011-056.15
2011-046.15
2011-036.17
2011-026.17
2011-016.18
2010-126.19
2010-116.19
2010-106.24
2010-096.28
2010-086.27
2010-076.28
2010-066.32
2010-056.07
2010-046.09
2010-036.12
2010-026.11
2010-016.15
2009-126.18
2009-116.17
2009-106.21
2009-096.27
2009-086.27
2009-076.29
2009-066.37
2009-056.34
2009-046.39
2009-036.5
2009-026.54
2009-016.62
2008-126.78
2008-116.79
2008-106.85
2008-096.85
2008-086.77
2008-076.77
2008-066.76
2008-056.72
2008-046.72
2008-036.74
2008-026.71
2008-016.72
2007-126.75
2007-116.69
2007-106.7
2007-096.67
2007-086.63
2007-076.64
2007-066.61
2007-056.58
2007-046.57
2007-036.56
2007-026.54
2007-016.54
2006-126.54
2006-116.49
2006-106.53
2006-096.52
2006-086.48
2006-076.48
2006-066.48
2006-056.44
2006-046.44
2006-036.44
2006-026.41
2006-016.42
2005-126.45
2005-116.44
2005-106.5
2005-096.5
2005-086.49
2005-076.51
2005-066.55
2005-056.54
2005-046.55
2005-036.58
2005-026.58
2005-016.57
2004-126.6
2004-116.55
2004-106.58
2004-096.63
2004-086.61
2004-076.63
2004-066.65
2004-056.63
2004-046.66
2004-036.69
2004-026.7
2004-016.73
2003-126.77
2003-116.73
2003-106.79
2003-096.82
2003-086.81
2003-076.86
2003-066.94
2003-056.94
2003-046.96
2003-037
2003-027
2003-016.97

Germany compared with nearby places

Austria: 5.04 %Belgium: 4.58 %Bulgaria: 7.25 %Cyprus: 5.44 %Germany: 5.54 %Estonia: 11 %Spain: 7.03 %Finland: 5.08 %France: 5.14 %Greece: 8.87 %Croatia: 5.35 %Ireland: 7.46 %Italy: 6.66 %Lithuania: 8.36 %Luxembourg: 6.84 %Latvia: 10.32 %Malta: 5.21 %Netherlands: 4.38 %Portugal: 7.42 %Slovenia: 6.12 %Slovakia: 6.15 %
  • Under 5.1
  • 5.1 to 5.5
  • 5.5 to 6.8
  • 6.8 to 7.5
  • 7.5 and over
  • No data
Outstanding household consumer and other loan rate, August 2026, %. Germany is outlined. Same source and period for every area shown. Source: European Central Bank. Boundaries: Natural Earth (public domain).

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

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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, Germany, 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, Germany, 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/germany. 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, Germany, 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/germany.

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, Germany, 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/germany (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, Germany, 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/germany. 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, Germany, 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/germany
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/en/outstanding-household-consumer-and-other-loan-rate/germany.
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 Germany?

Outstanding household consumer and other loan rate in Germany was 5.54% in August 2026, according to the European Central Bank. That is up 0.26 pts from August 2025. That is the 13th highest of 21 EU countries in August 2026.

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 Germany?

7% in February 2003, the highest value since January 2003 in this series.

Outstanding household consumer and other loan rate elsewhere in European Union (27)

Related statistics for Germany

All statistics for Germany | Germany in figures