# EU countries by composite cost of borrowing for house purchase, August 2026

All 21 values come from European Central Bank for 2026-08, so the places are comparable.

- Indicator id: `ecb_housing_borrowing_cost`
- Unit: %
- Definition: Monthly composite interest rate on new bank loans to households and non-profit institutions serving households for house purchase, in percent per year. Rates across initial rate fixation periods are combined using 24-month moving averages of new loan volumes.
- Source: European Central Bank, ECB MIR composite cost of borrowing for households for house purchase, new business (A2C.AM.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.A2C.AM.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01)
- Publisher page: https://invokely.ai/en/publishers/european-central-bank
- Retrieved: 2026-10-12
- Citation: European Central Bank. ECB MIR composite cost of borrowing for households for house purchase, new business (A2C.AM.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.A2C.AM.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01. Retrieved 2026-10-12.
- Web page: https://invokely.ai/rankings/housing-borrowing-cost/eu-countries

| Rank | Place | % |
|---:|---|---:|
| 1 | Latvia | 4.35 |
| 2 | Estonia | 4.27 |
| 3 | Lithuania | 4.16 |
| 4 | Germany | 4 |
| 5 | Netherlands | 3.91 |
| 6 | Slovakia | 3.73 |
| 7 | Belgium | 3.7 |
| 8 | Luxembourg | 3.63 |
| 9 | Austria | 3.61 |
| 10 | Italy | 3.58 |
| 11 | Ireland | 3.52 |
| 12 | Cyprus | 3.39 |
| 13 | Greece | 3.3 |
| 14 | Finland | 3.24 |
| 15 | Slovenia | 3.22 |
| 16 | France | 3.2 |
| 17 | Spain | 3.04 |
| 18 | Portugal | 3.03 |
| 19 | Croatia | 2.91 |
| 20 | Bulgaria | 2.42 |
| 21 | Malta | 1.94 |