EU countries by new housing loan rate, fixed over 5 to 10 years, August 2026

Estonia had the highest new housing loan rate, fixed over 5 to 10 years of 20 EU countries in August 2026, at 8.89%. Malta had the lowest, at 1.01%. The median was 3.7%. Source: the European Central Bank.

Highest8.89Estonia

Lowest1.01Malta

Median3.720 EU countries

Map of EU countries, August 2026

Under 3
3 to 3.6
3.6 to 3.9
3.9 to 4.4
4.4 and over
No data

%, August 2026. Hatched areas have no value for this period. Source: ECB, ECB MIR: New housing loan rate, fixed over 5 to 10 years (M.<area>.B.A2C.O.R.A.2250.EUR.N). Boundaries: Natural Earth (public domain).

All EU countries, August 2026

%. Source: ECB, ECB MIR: New housing loan rate, fixed over 5 to 10 years (M.<area>.B.A2C.O.R.A.2250.EUR.N). Retrieved 2026-10-12.

Full ranking

Rank	EU countries	August 2026 (%)	Change on August 2025
1	Estonia	8.89	-0.87 pts
2	Latvia	8.1	-0.65 pts
3	Portugal	4.93	+0.97 pts
4	Lithuania Provisional	4.8	-1.2 pts
5	Spain Provisional	4.24	+0.71 pts
6	Ireland	4.05	+0.31 pts
7	Luxembourg	3.96	+0.37 pts
8	Netherlands	3.93	+0.43 pts
9	Germany Provisional	3.81	+0.25 pts
10	Italy Provisional	3.8	+0.39 pts
11	Finland	3.6	+0.38 pts
12	Greece	3.59	-0.6 pts
13	Belgium	3.54	+0.41 pts
14	Austria	3.5	+0.23 pts
15	Slovenia	3.09	+0.38 pts
16	Slovakia	3	+0.06 pts
17	Croatia	2.81	-0.17 pts
18	Bulgaria	2.53	n/a
19	France Provisional	2.36	+0.02 pts
20	Malta	1.01	+0.03 pts

Other periods

About this ranking

Monthly average annual interest rate on new euro loans to households for house purchase, with initial rate fixation over 5 and up to 10 years.

The band describes the initial interest rate fixation period, not the contractual loan maturity. New agreements include renegotiations. Rates are weighted by the amounts agreed during the month. 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. Equal values share a rank.

How to cite

European Central Bank. ECB MIR: New housing loan rate, fixed over 5 to 10 years (M.<area>.B.A2C.O.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.O.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 housing loan rate, fixed over 5 to 10 years (M.<area>.B.A2C.O.R.A.2250.EUR.N) (EU countries by new housing loan rate, fixed over 5 to 10 years, 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.A2C.O.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01

MLA 9

ECB MIR: New housing loan rate, fixed over 5 to 10 years (M.<area>.B.A2C.O.R.A.2250.EUR.N), EU countries by new housing loan rate, fixed over 5 to 10 years, 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.A2C.O.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01. Invokely, https://invokely.ai/rankings/housing-loan-rate-fixed-over-five-to-ten-years/eu-countries. Accessed 12 Oct. 2026.

Chicago (author-date)

European Central Bank. n.d. ECB MIR: New housing loan rate, fixed over 5 to 10 years (M.<area>.B.A2C.O.R.A.2250.EUR.N). EU countries by new housing loan rate, fixed over 5 to 10 years, 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.A2C.O.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01. Also distributed by Invokely, https://invokely.ai/rankings/housing-loan-rate-fixed-over-five-to-ten-years/eu-countries.

Harvard

European Central Bank (no date) ECB MIR: New housing loan rate, fixed over 5 to 10 years (M.<area>.B.A2C.O.R.A.2250.EUR.N), EU countries by new housing loan rate, fixed over 5 to 10 years, 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.A2C.O.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01, via Invokely: https://invokely.ai/rankings/housing-loan-rate-fixed-over-five-to-ten-years/eu-countries (Accessed: 12 October 2026).

BibTeX

@misc{european_eu_countries_by_new_2026,
  author = {{European Central Bank}},
  title = {{ECB MIR: New housing loan rate, fixed over 5 to 10 years (M.<area>.B.A2C.O.R.A.2250.EUR.N): EU countries by new housing loan rate, fixed over 5 to 10 years, 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.A2C.O.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01},
  urldate = {2026-10-12},
  note = {Accessed via Invokely, https://invokely.ai/rankings/housing-loan-rate-fixed-over-five-to-ten-years/eu-countries. Publisher attribution: European Central Bank. ECB MIR: New housing loan rate, fixed over 5 to 10 years (M.<area>.B.A2C.O.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.O.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 housing loan rate, fixed over 5 to 10 years (M.<area>.B.A2C.O.R.A.2250.EUR.N): EU countries by new housing loan rate, fixed over 5 to 10 years, 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.A2C.O.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01
L2  - https://invokely.ai/rankings/housing-loan-rate-fixed-over-five-to-ten-years/eu-countries
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/rankings/housing-loan-rate-fixed-over-five-to-ten-years/eu-countries.
N1  - Publisher attribution: European Central Bank. ECB MIR: New housing loan rate, fixed over 5 to 10 years (M.<area>.B.A2C.O.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.O.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01. Retrieved 2026-10-12.
ER  -

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Rank EU countries by new housing loan rate, fixed over 5 to 10 years using official data, and cite the source.

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Questions

Which EU country has the highest new housing loan rate, fixed over 5 to 10 years?

Estonia, with 8.89% in August 2026, according to the European Central Bank.

Which EU country has the lowest new housing loan rate, fixed over 5 to 10 years?

Malta, with 1.01% in August 2026.

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 housing loan rate, fixed over 5 to 10 years (M.<area>.B.A2C.O.R.A.2250.EUR.N). Retrieved 2026-10-12.