# EU countries by new housing loan rate, fixed over 1 to 5 years, August 2026

All 20 values come from European Central Bank for 2026-08, so the places are comparable. 1 EU countries have no value for that period and are not ranked.

- Indicator id: `ecb_housing_rate_fixation_1to5y`
- Unit: %
- Definition: Monthly average annual interest rate on new euro loans to households for house purchase, with initial rate fixation over 1 and up to 5 years.
- Source: European Central Bank, ECB MIR: New housing loan rate, fixed over 1 to 5 years (M.<area>.B.A2C.I.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.I.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: New housing loan rate, fixed over 1 to 5 years (M.<area>.B.A2C.I.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.I.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01. Retrieved 2026-10-12.
- Web page: https://invokely.ai/rankings/housing-loan-rate-fixed-over-one-to-five-years/eu-countries

| Rank | Place | % |
|---:|---|---:|
| 1 | Estonia | 8.13 |
| 2 | Latvia | 7.75 |
| 3 | Lithuania | 4.86 |
| 4 | Netherlands | 4.18 |
| 5 | Spain | 4.11 |
| 6 | Germany | 4.03 |
| 7 | Belgium | 3.91 |
| 8 | Italy | 3.8 |
| 9 | Slovakia | 3.73 |
| 10 | Finland | 3.68 |
| 11 | Austria | 3.5 |
| 12 | France | 3.43 |
| 13 | Ireland | 3.4 |
| 14 | Slovenia | 3.29 |
| 15 | Cyprus | 3.27 |
| 16 | Bulgaria | 3.02 |
| 17 | Greece | 2.9 |
| 18 | Portugal | 2.88 |
| 19 | Croatia | 2.72 |
| 20 | Malta | 1.71 |