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

Estonia had the highest new housing loan rate, fixed over 5 to 10 years of 20 EU countries in July 2026, at 8.91%. Malta had the lowest, at 0.99%. The median was 3.75%. Source: the European Central Bank.

Highest8.91Estonia

Lowest0.99Malta

Median3.7520 EU countries

Map of EU countries, July 2026

Under 3
3 to 3.5
3.5 to 3.8
3.8 to 4.2
4.2 and over
No data

%, July 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, July 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	July 2026 (%)	Change on July 2025
1	Estonia	8.91	-0.46 pts
2	Latvia	8.25	-0.47 pts
3	Lithuania	4.94	-1.48 pts
4	Portugal	4.77	+0.77 pts
5	Ireland	4.09	+0.42 pts
6	Luxembourg	3.9	+0.42 pts
7	Netherlands	3.87	+0.39 pts
8	Spain	3.8	+0.38 pts
9	Italy	3.79	+0.3 pts
10	Germany	3.78	+0.23 pts
11	Greece	3.72	-0.62 pts
12	Finland	3.53	+0.49 pts
13	Austria	3.48	+0.17 pts
13	Belgium	3.48	+0.33 pts
15	Slovakia	3.23	+0.18 pts
16	Slovenia	3.04	+0.17 pts
17	Croatia	2.86	-0.21 pts
18	France	2.36	+0.03 pts
19	Bulgaria	1.21	n/a
20	Malta	0.99	+0.05 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, 2026-07) [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, 2026-07. 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?period=2026-07. 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, 2026-07. 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?period=2026-07.

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, 2026-07 [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?period=2026-07 (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, 2026-07}},
  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?period=2026-07. 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, 2026-07
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?period=2026-07
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/rankings/housing-loan-rate-fixed-over-five-to-ten-years/eu-countries?period=2026-07.
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  -

Embed this chart

Paste this code into a web page or a blog post. The chart shows the latest figures as they are published, with the source and a link back to this page.

Embed code

<iframe src="https://invokely.ai/embed/rankings/housing-loan-rate-fixed-over-five-to-ten-years/eu-countries?period=2026-07" width="760" height="500" title="EU countries by new housing loan rate, fixed over 5 to 10 years, July 2026, chart from Invokely" loading="lazy" style="border:0;width:100%;max-width:760px" referrerpolicy="strict-origin-when-cross-origin"></iframe>

Sites that read oEmbed links, such as WordPress, can show the chart when you paste the link to this page.

Use this data in your AI agent

Invokely serves this figure to AI assistants through MCP and to code through a REST API, with the source and citation attached. Ask your assistant:

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

rank_places {"indicator":"ecb_housing_rate_fixation_5to10y","level":"country","within":"European Union (27)","limit":10}
GET https://invokely.ai/api/v1/rank?indicator=ecb_housing_rate_fixation_5to10y&level=country&within=European%20Union%20(27)&limit=10

Connect Claude, ChatGPT or Cursor in one step. The trial answers 25 calls a day without an account.

Questions

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

Estonia, with 8.91% in July 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 0.99% in July 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.