Data / Outstanding household housing loan rate / Euro area

Outstanding household housing loan rate in Euro area

Outstanding household housing loan rate in Euro area was 2.54% in August 2026, according to the European Central Bank. That is up 0.16 pts from August 2025.

August 20262.54% Provisional
Change on August 2025+0.16 pts
Series high5.6January 2003
Series low1.61January 2022
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Outstanding household housing loan rate in Euro area, January 2003 to August 2026

1234562003-012006-062009-112013-042016-092020-022023-072026-082026-08: 2.54 %1234562003-012010-122018-112026-082026-08: 2.54 %
%. Source: ECB, ECB MIR: Outstanding household housing loan rate (M.<area>.B.A22.A.R.A.2250.EUR.O). Retrieved 2026-10-12.
All 284 values
Period%
2026-082.54 Provisional
2026-072.53
2026-062.51
2026-052.49
2026-042.47
2026-032.46
2026-022.47
2026-012.43
2025-122.42
2025-112.41
2025-102.4
2025-092.4
2025-082.38
2025-072.38
2025-062.4
2025-052.4
2025-042.41
2025-032.42
2025-022.44
2025-012.42
2024-122.44
2024-112.46
2024-102.46
2024-092.47
2024-082.46
2024-072.46
2024-062.46
2024-052.45
2024-042.45
2024-032.44
2024-022.44
2024-012.42
2023-122.41
2023-112.4
2023-102.38
2023-092.35
2023-082.31
2023-072.27
2023-062.23
2023-052.19
2023-042.14
2023-032.09
2023-022.04
2023-011.97
2022-121.9
2022-111.84
2022-101.78
2022-091.71
2022-081.66
2022-071.64
2022-061.62
2022-051.61
2022-041.61
2022-031.62
2022-021.63
2022-011.61
2021-121.63
2021-111.64
2021-101.65
2021-091.66
2021-081.67
2021-071.68
2021-061.7
2021-051.71
2021-041.73
2021-031.75
2021-021.77
2021-011.76
2020-121.79
2020-111.8
2020-101.82
2020-091.83
2020-081.84
2020-071.86
2020-061.88
2020-051.89
2020-041.9
2020-031.91
2020-021.94
2020-011.93
2019-121.95
2019-111.98
2019-101.98
2019-092.01
2019-082.02
2019-072.04
2019-062.06
2019-052.07
2019-042.08
2019-032.09
2019-022.12
2019-012.09
2018-122.11
2018-112.12
2018-102.13
2018-092.14
2018-082.14
2018-072.16
2018-062.18
2018-052.18
2018-042.2
2018-032.22
2018-022.26
2018-012.24
2017-122.26
2017-112.28
2017-102.29
2017-092.31
2017-082.32
2017-072.34
2017-062.36
2017-052.38
2017-042.4
2017-032.43
2017-022.47
2017-012.45
2016-122.5
2016-112.53
2016-102.54
2016-092.58
2016-082.59
2016-072.62
2016-062.65
2016-052.68
2016-042.7
2016-032.74
2016-022.76
2016-012.76
2015-122.8
2015-112.83
2015-102.86
2015-092.88
2015-082.89
2015-072.93
2015-062.97
2015-053
2015-043.03
2015-033.08
2015-023.12
2015-013.09
2014-123.13
2014-113.18
2014-103.19
2014-093.22
2014-083.21
2014-073.24
2014-063.27
2014-053.28
2014-043.3
2014-033.32
2014-023.35
2014-013.29
2013-123.31
2013-113.33
2013-103.34
2013-093.36
2013-083.35
2013-073.38
2013-063.42
2013-053.44
2013-043.48
2013-033.48
2013-023.49
2013-013.51
2012-123.55
2012-113.59
2012-103.6
2012-093.66
2012-083.66
2012-073.71
2012-063.75
2012-053.76
2012-043.79
2012-033.85
2012-023.86
2012-013.87
2011-123.89
2011-113.9
2011-103.91
2011-093.91
2011-083.89
2011-073.89
2011-063.85
2011-053.84
2011-043.84
2011-033.83
2011-023.81
2011-013.79
2010-123.8
2010-113.83
2010-103.82
2010-093.82
2010-083.81
2010-073.82
2010-063.84
2010-053.9
2010-043.92
2010-033.98
2010-024.03
2010-014
2009-124.07
2009-114.12
2009-104.18
2009-094.25
2009-084.28
2009-074.36
2009-064.46
2009-054.55
2009-044.65
2009-034.77
2009-024.91
2009-014.93
2008-125.08
2008-115.16
2008-105.17
2008-095.14
2008-085.11
2008-075.11
2008-065.07
2008-055.05
2008-045.03
2008-035.02
2008-025.03
2008-015
2007-125
2007-114.99
2007-104.98
2007-094.94
2007-084.9
2007-074.89
2007-064.86
2007-054.82
2007-044.8
2007-034.78
2007-024.78
2007-014.72
2006-124.7
2006-114.67
2006-104.64
2006-094.61
2006-084.59
2006-074.56
2006-064.54
2006-054.51
2006-044.51
2006-034.51
2006-024.53
2006-014.49
2005-124.51
2005-114.52
2005-104.56
2005-094.58
2005-084.59
2005-074.62
2005-064.66
2005-054.7
2005-044.73
2005-034.77
2005-024.75
2005-014.78
2004-124.83
2004-114.85
2004-104.87
2004-094.89
2004-084.9
2004-074.93
2004-064.96
2004-054.98
2004-045.01
2004-035.05
2004-025.09
2004-015.1
2003-125.14
2003-115.18
2003-105.2
2003-095.25
2003-085.27
2003-075.32
2003-065.4
2003-055.45
2003-045.5
2003-035.54
2003-025.58
2003-015.6

Rankings

Definition

Annualised interest rate reported monthly on the outstanding stock of euro loans to households for house purchase.

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 housing loan rate (M.<area>.B.A22.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.A22.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 housing loan rate (M.<area>.B.A22.A.R.A.2250.EUR.O) (Outstanding household housing 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.A22.A.R.A.2250.EUR.O?format=csvdata&startPeriod=2003-01

MLA 9

ECB MIR: Outstanding household housing loan rate (M.<area>.B.A22.A.R.A.2250.EUR.O), Outstanding household housing 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.A22.A.R.A.2250.EUR.O?format=csvdata&startPeriod=2003-01. Invokely, https://invokely.ai/en/outstanding-housing-loan-rate/euro-area. Accessed 12 Oct. 2026.

Chicago (author-date)

European Central Bank. n.d. ECB MIR: Outstanding household housing loan rate (M.<area>.B.A22.A.R.A.2250.EUR.O). Outstanding household housing 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.A22.A.R.A.2250.EUR.O?format=csvdata&startPeriod=2003-01. Also distributed by Invokely, https://invokely.ai/en/outstanding-housing-loan-rate/euro-area.

Harvard

European Central Bank (no date) ECB MIR: Outstanding household housing loan rate (M.<area>.B.A22.A.R.A.2250.EUR.O), Outstanding household housing 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.A22.A.R.A.2250.EUR.O?format=csvdata&startPeriod=2003-01, via Invokely: https://invokely.ai/en/outstanding-housing-loan-rate/euro-area (Accessed: 12 October 2026).

BibTeX
@misc{european_outstanding_household_housing_loan_2026,
  author = {{European Central Bank}},
  title = {{ECB MIR: Outstanding household housing loan rate (M.<area>.B.A22.A.R.A.2250.EUR.O): Outstanding household housing 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.A22.A.R.A.2250.EUR.O?format=csvdata&startPeriod=2003-01},
  urldate = {2026-10-12},
  note = {Accessed via Invokely, https://invokely.ai/en/outstanding-housing-loan-rate/euro-area. Publisher attribution: European Central Bank. ECB MIR: Outstanding household housing loan rate (M.<area>.B.A22.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.A22.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 housing loan rate (M.<area>.B.A22.A.R.A.2250.EUR.O): Outstanding household housing 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.A22.A.R.A.2250.EUR.O?format=csvdata&startPeriod=2003-01
L2  - https://invokely.ai/en/outstanding-housing-loan-rate/euro-area
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/en/outstanding-housing-loan-rate/euro-area.
N1  - Publisher attribution: European Central Bank. ECB MIR: Outstanding household housing loan rate (M.<area>.B.A22.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.A22.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 housing loan rate in Euro area?

Outstanding household housing loan rate in Euro area was 2.54% in August 2026, according to the European Central Bank. That is up 0.16 pts from August 2025.

Where does this figure come from?

European Central Bank. ECB MIR: Outstanding household housing loan rate (M.<area>.B.A22.A.R.A.2250.EUR.O). Retrieved by Invokely on 2026-10-12.

What was the highest outstanding household housing loan rate in Euro area?

5.6% in January 2003, the highest value since January 2003 in this series.

Related statistics for Euro area

All statistics for Euro area