Data / Outstanding household housing loan rate / Finland

Outstanding household housing loan rate in Finland

Outstanding household housing loan rate in Finland was 3.04% in August 2026, according to the European Central Bank. That is up 0.18 pts from August 2025. That is the 9th highest of 20 EU countries in August 2026.

August 20263.04%
Change on August 2025+0.18 pts
Rank9th of 20EU countries ranked
Series high5.46October 2008
Series low0.79July 2021
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Outstanding household housing loan rate in Finland, January 2003 to August 2026

01234562003-012006-062009-112013-042016-092020-022023-072026-082026-08: 3.04 %02462003-012010-122018-112026-082026-08: 3.04 %
%. 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%
2026-083.04
2026-072.98
2026-062.93
2026-052.87
2026-042.81
2026-032.77
2026-022.76
2026-012.77
2025-122.77
2025-112.78
2025-102.79
2025-092.82
2025-082.86
2025-072.91
2025-062.99
2025-053.1
2025-043.21
2025-033.31
2025-023.4
2025-013.49
2024-123.56
2024-113.66
2024-103.77
2024-093.87
2024-083.95
2024-074.01
2024-064.04
2024-054.07
2024-044.08
2024-034.08
2024-024.08
2024-014.08
2023-124.08
2023-114.04
2023-103.97
2023-093.86
2023-083.73
2023-073.57
2023-063.39
2023-053.14
2023-042.88
2023-032.64
2023-022.38
2023-012.16
2022-121.97
2022-111.77
2022-101.54
2022-091.31
2022-081.11
2022-071
2022-060.92
2022-050.84
2022-040.81
2022-030.8
2022-020.79
2022-010.79
2021-120.79
2021-110.79
2021-100.79
2021-090.79
2021-080.79
2021-070.79
2021-060.8
2021-050.8
2021-040.81
2021-030.82
2021-020.82
2021-010.83
2020-120.84
2020-110.85
2020-100.85
2020-090.86
2020-080.87
2020-070.88
2020-060.88
2020-050.89
2020-040.88
2020-030.88
2020-020.89
2020-010.89
2019-120.9
2019-110.91
2019-100.91
2019-090.92
2019-080.94
2019-070.95
2019-060.96
2019-050.97
2019-040.97
2019-030.97
2019-020.97
2019-010.98
2018-120.98
2018-110.98
2018-100.98
2018-090.98
2018-080.98
2018-070.99
2018-060.99
2018-050.99
2018-041
2018-031
2018-021.01
2018-011.01
2017-121.02
2017-111.02
2017-101.03
2017-091.03
2017-081.04
2017-071.04
2017-061.04
2017-051.05
2017-041.05
2017-031.06
2017-021.06
2017-011.07
2016-121.07
2016-111.08
2016-101.1
2016-091.11
2016-081.12
2016-071.13
2016-061.14
2016-051.15
2016-041.16
2016-031.18
2016-021.2
2016-011.23
2015-121.24
2015-111.26
2015-101.27
2015-091.28
2015-081.29
2015-071.3
2015-061.32
2015-051.34
2015-041.37
2015-031.39
2015-021.41
2015-011.43
2014-121.44
2014-111.45
2014-101.47
2014-091.49
2014-081.51
2014-071.53
2014-061.54
2014-051.54
2014-041.52
2014-031.51
2014-021.5
2014-011.49
2013-121.48
2013-111.47
2013-101.46
2013-091.46
2013-081.45
2013-071.45
2013-061.46
2013-051.48
2013-041.51
2013-031.53
2013-021.56
2013-011.59
2012-121.63
2012-111.68
2012-101.75
2012-091.83
2012-081.93
2012-072.02
2012-062.11
2012-052.18
2012-042.26
2012-032.34
2012-022.42
2012-012.47
2011-122.51
2011-112.51
2011-102.51
2011-092.49
2011-082.46
2011-072.43
2011-062.36
2011-052.29
2011-042.21
2011-032.14
2011-022.09
2011-012.06
2010-122.05
2010-112.03
2010-102.01
2010-091.98
2010-081.96
2010-071.94
2010-061.92
2010-051.92
2010-041.94
2010-031.96
2010-022
2010-012.06
2009-122.12
2009-112.17
2009-102.27
2009-092.37
2009-082.53
2009-072.68
2009-062.89
2009-053.06
2009-043.29
2009-033.53
2009-023.92
2009-014.32
2008-124.83
2008-115.4
2008-105.46
2008-095.44
2008-085.41
2008-075.39
2008-065.17
2008-055.1
2008-045.02
2008-035
2008-024.99
2008-015
2007-124.99
2007-114.96
2007-104.94
2007-094.9
2007-084.85
2007-074.8
2007-064.72
2007-054.6
2007-044.51
2007-034.45
2007-024.39
2007-014.32
2006-124.19
2006-114.13
2006-104.04
2006-093.96
2006-083.82
2006-073.73
2006-063.64
2006-053.51
2006-043.42
2006-033.33
2006-023.27
2006-013.24
2005-123.22
2005-113.19
2005-103.18
2005-093.19
2005-083.22
2005-073.24
2005-063.27
2005-053.31
2005-043.34
2005-033.35
2005-023.36
2005-013.36
2004-123.37
2004-113.38
2004-103.39
2004-093.4
2004-083.4
2004-073.41
2004-063.41
2004-053.4
2004-043.41
2004-033.45
2004-023.49
2004-013.52
2003-123.55
2003-113.57
2003-103.6
2003-093.65
2003-083.7
2003-073.76
2003-063.86
2003-054.1
2003-044.21
2003-034.3
2003-024.53
2003-014.62

Finland compared with nearby places

Austria: 2.87 %Belgium: 2.52 %Bulgaria: 2.65 %Cyprus: 3.56 %Germany: 2.4 %Estonia: 4.34 %Spain: 2.88 %Finland: 3.04 %France: 1.99 %Croatia: 3.01 %Ireland: 3.5 %Italy: 2.83 %Lithuania: 4.26 %Luxembourg: 2.76 %Latvia: 4.57 %Malta: 2.42 %Netherlands: 2.87 %Portugal: 3.21 %Slovenia: 3.05 %Slovakia: 3.13 %
  • Under 2.6
  • 2.6 to 2.9
  • 2.9 to 3
  • 3 to 3.5
  • 3.5 and over
  • No data
Outstanding household housing loan rate, August 2026, %. Finland 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 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

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 housing loan rate (M.<area>.B.A22.A.R.A.2250.EUR.O) (Outstanding household housing loan rate, Finland, 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, Finland, 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/finland. 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, Finland, 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/finland.

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, Finland, 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/finland (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, Finland, 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/finland. 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, Finland, 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/finland
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/en/outstanding-housing-loan-rate/finland.
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 Finland?

Outstanding household housing loan rate in Finland was 3.04% in August 2026, according to the European Central Bank. That is up 0.18 pts from August 2025. That is the 9th highest of 20 EU countries in August 2026.

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 Finland?

5.46% in October 2008, the highest value since January 2003 in this series.

Outstanding household housing loan rate elsewhere in European Union (27)

Related statistics for Finland

All statistics for Finland | Finland in figures