Data / Rankings / New household loan rate for other purposes / EU countries

EU countries by new household loan rate for other purposes

Estonia had the highest new household loan rate for other purposes of 20 EU countries in September 2025, at 7.07%. Luxembourg had the lowest, at 2.99%. The median was 4.19%. Source: the European Central Bank.

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Highest7.07Estonia
Lowest2.99Luxembourg
Median4.1920 EU countries

Map of EU countries, September 2025

Austria: 3.44 %Belgium: 3.83 %Bulgaria: 4.3 %Cyprus: 3.79 %Germany: 4.11 %Estonia: 7.07 %Spain: 4.38 %Finland: 3.1 %France: 3.33 %Greece: 5.38 %Croatia: 5.42 %Italy: 4.27 %Lithuania: 6.04 %Luxembourg: 2.99 %Latvia: 5 %Malta: 3.91 %Netherlands: 4.48 %Portugal: 3.54 %Slovenia: 5.74 %Slovakia: 3.88 %
  • Under 3.5
  • 3.5 to 3.9
  • 3.9 to 4.3
  • 4.3 to 5.4
  • 5.4 and over
  • No data
%, September 2025. Hatched areas have no value for this period. Source: ECB, ECB MIR: New household loan rate for other purposes (M.<area>.B.A2D.A.R.A.2250.EUR.N). Boundaries: Natural Earth (public domain).

All EU countries, September 2025

Estonia: 7.07 %Estonia7.07Lithuania: 6.04 %Lithuania6.04Slovenia: 5.74 %Slovenia5.74Croatia: 5.42 %Croatia5.42Greece: 5.38 %Greece5.38Latvia: 5 %Latvia5Netherlands: 4.48 %Netherlands4.48Spain: 4.38 %Spain4.38Bulgaria: 4.3 %Bulgaria4.3Italy: 4.27 %Italy4.27Germany: 4.11 %Germany4.11Malta: 3.91 %Malta3.91Slovakia: 3.88 %Slovakia3.88Belgium: 3.83 %Belgium3.83Cyprus: 3.79 %Cyprus3.79Portugal: 3.54 %Portugal3.54Austria: 3.44 %Austria3.44France: 3.33 %France3.33Finland: 3.1 %Finland3.1Luxembourg: 2.99 %Luxembourg2.99Estonia: 7.07 %Estonia7.07Lithuania: 6.04 %Lithuania6.04Slovenia: 5.74 %Slovenia5.74Croatia: 5.42 %Croatia5.42Greece: 5.38 %Greece5.38Latvia: 5 %Latvia5Netherlands: 4.48 %Netherlands4.48Spain: 4.38 %Spain4.38Bulgaria: 4.3 %Bulgaria4.3Italy: 4.27 %Italy4.27Germany: 4.11 %Germany4.11Malta: 3.91 %Malta3.91Slovakia: 3.88 %Slovakia3.88Belgium: 3.83 %Belgium3.83Cyprus: 3.79 %Cyprus3.79Portugal: 3.54 %Portugal3.54Austria: 3.44 %Austria3.44France: 3.33 %France3.33Finland: 3.1 %Finland3.1Luxembourg: 2.99 %Luxembourg2.99
%. Source: ECB, ECB MIR: New household loan rate for other purposes (M.<area>.B.A2D.A.R.A.2250.EUR.N). Retrieved 2026-10-12.

Full ranking

RankEU countriesSeptember 2025 (%)Change on September 2024
1Estonia7.07-3.37 pts
2Lithuania6.04-2.29 pts
3Slovenia5.74-1.05 pts
4Croatia5.42-0.52 pts
5Greece5.38-0.73 pts
6Latvia5-1.45 pts
7Netherlands4.48-0.75 pts
8Spain4.38-0.91 pts
9Bulgaria4.3+0.89 pts
10Italy4.27-1.06 pts
11Germany4.11-0.54 pts
12Malta3.91-0.27 pts
13Slovakia3.88-0.71 pts
14Belgium3.83-0.52 pts
15Cyprus3.79+0.55 pts
16Portugal3.54-0.9 pts
17Austria3.44-1.28 pts
18France3.33-0.53 pts
19Finland3.1-0.67 pts
20Luxembourg2.99-1.32 pts

Other periods

About this ranking

Monthly average annual interest rate on new euro loans to households for purposes other than house purchase or consumption, excluding revolving loans, overdrafts and credit-card debt.

New agreements include renegotiations. Rates are weighted by the amounts agreed during the month and are distinct from the ECB composite rates that use moving-average weights. 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.

Every value in the ranking comes from the same publisher and the same period, so the EU countries are compared on one definition. 1 EU countries with data in other periods have no value for September 2025 and are left out rather than filled from another source. Equal values share a rank.

How to cite

European Central Bank. ECB MIR: New household loan rate for other purposes (M.<area>.B.A2D.A.R.A.2250.EUR.N). 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.A2D.A.R.A.2250.EUR.N?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: New household loan rate for other purposes (M.<area>.B.A2D.A.R.A.2250.EUR.N) (EU countries by new household loan rate for other purposes, 2025-09) [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.A2D.A.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01

MLA 9

ECB MIR: New household loan rate for other purposes (M.<area>.B.A2D.A.R.A.2250.EUR.N), EU countries by new household loan rate for other purposes, 2025-09. 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.A2D.A.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01. Invokely, https://invokely.ai/rankings/household-loan-rate-for-other-purposes/eu-countries?period=2025-09. Accessed 12 Oct. 2026.

Chicago (author-date)

European Central Bank. n.d. ECB MIR: New household loan rate for other purposes (M.<area>.B.A2D.A.R.A.2250.EUR.N). EU countries by new household loan rate for other purposes, 2025-09. 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.A2D.A.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01. Also distributed by Invokely, https://invokely.ai/rankings/household-loan-rate-for-other-purposes/eu-countries?period=2025-09.

Harvard

European Central Bank (no date) ECB MIR: New household loan rate for other purposes (M.<area>.B.A2D.A.R.A.2250.EUR.N), EU countries by new household loan rate for other purposes, 2025-09 [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.A2D.A.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01, via Invokely: https://invokely.ai/rankings/household-loan-rate-for-other-purposes/eu-countries?period=2025-09 (Accessed: 12 October 2026).

BibTeX
@misc{european_eu_countries_by_new_2026,
  author = {{European Central Bank}},
  title = {{ECB MIR: New household loan rate for other purposes (M.<area>.B.A2D.A.R.A.2250.EUR.N): EU countries by new household loan rate for other purposes, 2025-09}},
  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.A2D.A.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01},
  urldate = {2026-10-12},
  note = {Accessed via Invokely, https://invokely.ai/rankings/household-loan-rate-for-other-purposes/eu-countries?period=2025-09. Publisher attribution: European Central Bank. ECB MIR: New household loan rate for other purposes (M.<area>.B.A2D.A.R.A.2250.EUR.N). 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.A2D.A.R.A.2250.EUR.N?format=csvdata\&startPeriod=2003-01. Retrieved 2026-10-12.},
}
RIS
TY  - DATA
AU  - European Central Bank
TI  - ECB MIR: New household loan rate for other purposes (M.<area>.B.A2D.A.R.A.2250.EUR.N): EU countries by new household loan rate for other purposes, 2025-09
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.A2D.A.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01
L2  - https://invokely.ai/rankings/household-loan-rate-for-other-purposes/eu-countries?period=2025-09
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/rankings/household-loan-rate-for-other-purposes/eu-countries?period=2025-09.
N1  - Publisher attribution: European Central Bank. ECB MIR: New household loan rate for other purposes (M.<area>.B.A2D.A.R.A.2250.EUR.N). 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.A2D.A.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01. Retrieved 2026-10-12.
ER  -
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Rank EU countries by new household loan rate for other purposes using official data, and cite the source.
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Questions

Which EU country has the highest new household loan rate for other purposes?

Estonia, with 7.07% in September 2025, according to the European Central Bank.

Which EU country has the lowest new household loan rate for other purposes?

Luxembourg, with 2.99% in September 2025.

Where does this ranking come from?

Every value comes from one source and one period, so the places are comparable: European Central Bank, ECB MIR: New household loan rate for other purposes (M.<area>.B.A2D.A.R.A.2250.EUR.N). Retrieved 2026-10-12. 1 EU countries have no value for September 2025 and are not ranked.

EU countries: more rankings