Data / Rankings / New housing loan rate, fixed over 1 to 5 years / EU countries

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

Latvia had the highest new housing loan rate, fixed over 1 to 5 years of 21 EU countries in January 2026, at 9.29%. Malta had the lowest, at 1.72%. The median was 3.3%. Source: the European Central Bank.

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Highest9.29Latvia
Lowest1.72Malta
Median3.321 EU countries

Map of EU countries, January 2026

Austria: 3.32 %Belgium: 3.75 %Bulgaria: 3.02 %Cyprus: 3.05 %Germany: 3.6 %Estonia: 6.96 %Spain: 3.28 %Finland: 3.2 %France: 3.28 %Greece: 3.13 %Croatia: 2.79 %Ireland: 3.41 %Italy: 3.45 %Lithuania: 4.63 %Luxembourg: 3.3 %Latvia: 9.29 %Malta: 1.72 %Netherlands: 3.72 %Portugal: 2.73 %Slovenia: 3.09 %Slovakia: 3.38 %
  • Under 3
  • 3 to 3.3
  • 3.3 to 3.4
  • 3.4 to 3.7
  • 3.7 and over
  • No data
%, January 2026. Hatched areas have no value for this period. Source: ECB, ECB MIR: New housing loan rate, fixed over 1 to 5 years (M.<area>.B.A2C.I.R.A.2250.EUR.N). Boundaries: Natural Earth (public domain).

All EU countries, January 2026

Latvia: 9.29 %Latvia9.29Estonia: 6.96 %Estonia6.96Lithuania: 4.63 %Lithuania4.63Belgium: 3.75 %Belgium3.75Netherlands: 3.72 %Netherlands3.72Germany: 3.6 %Germany3.6Italy: 3.45 %Italy3.45Ireland: 3.41 %Ireland3.41Slovakia: 3.38 %Slovakia3.38Austria: 3.32 %Austria3.32Luxembourg: 3.3 %Luxembourg3.3France: 3.28 %France3.28Spain: 3.28 %Spain3.28Finland: 3.2 %Finland3.2Greece: 3.13 %Greece3.13Slovenia: 3.09 %Slovenia3.09Cyprus: 3.05 %Cyprus3.05Bulgaria: 3.02 %Bulgaria3.02Croatia: 2.79 %Croatia2.79Portugal: 2.73 %Portugal2.73Malta: 1.72 %Malta1.72Latvia: 9.29 %Latvia9.29Estonia: 6.96 %Estonia6.96Lithuania: 4.63 %Lithuania4.63Belgium: 3.75 %Belgium3.75Netherlands: 3.72 %Netherlands3.72Germany: 3.6 %Germany3.6Italy: 3.45 %Italy3.45Ireland: 3.41 %Ireland3.41Slovakia: 3.38 %Slovakia3.38Austria: 3.32 %Austria3.32Luxembourg: 3.3 %Luxembourg3.3France: 3.28 %France3.28Spain: 3.28 %Spain3.28Finland: 3.2 %Finland3.2Greece: 3.13 %Greece3.13Slovenia: 3.09 %Slovenia3.09Cyprus: 3.05 %Cyprus3.05Bulgaria: 3.02 %Bulgaria3.02Croatia: 2.79 %Croatia2.79Portugal: 2.73 %Portugal2.73Malta: 1.72 %Malta1.72
%. Source: ECB, ECB MIR: New housing loan rate, fixed over 1 to 5 years (M.<area>.B.A2C.I.R.A.2250.EUR.N). Retrieved 2026-10-12.

Full ranking

RankEU countriesJanuary 2026 (%)Change on January 2025
1Latvia9.29-1.43 pts
2Estonia6.96+0.11 pts
3Lithuania4.63-3.42 pts
4Belgium3.75-0.24 pts
5Netherlands3.72+0.01 pts
6Germany3.6+0.1 pts
7Italy3.45+0.3 pts
8Ireland3.41-0.17 pts
9Slovakia3.38-0.47 pts
10Austria3.32-0.19 pts
11Luxembourg3.3n/a
12France3.28-0.09 pts
12Spain3.28+0.03 pts
14Finland3.2-0.04 pts
15Greece3.13-0.31 pts
16Slovenia3.09-0.19 pts
17Cyprus3.05-0.89 pts
18Bulgaria3.02-0.54 pts
19Croatia2.79+0.07 pts
20Portugal2.73-0.26 pts
21Malta1.72+0.4 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 1 and up to 5 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 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.

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 1 to 5 years (M.<area>.B.A2C.I.R.A.2250.EUR.N) (EU countries by new housing loan rate, fixed over 1 to 5 years, 2026-01) [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.I.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01

MLA 9

ECB MIR: New housing loan rate, fixed over 1 to 5 years (M.<area>.B.A2C.I.R.A.2250.EUR.N), EU countries by new housing loan rate, fixed over 1 to 5 years, 2026-01. 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.I.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01. Invokely, https://invokely.ai/rankings/housing-loan-rate-fixed-over-one-to-five-years/eu-countries?period=2026-01. Accessed 12 Oct. 2026.

Chicago (author-date)

European Central Bank. n.d. ECB MIR: New housing loan rate, fixed over 1 to 5 years (M.<area>.B.A2C.I.R.A.2250.EUR.N). EU countries by new housing loan rate, fixed over 1 to 5 years, 2026-01. 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.I.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01. Also distributed by Invokely, https://invokely.ai/rankings/housing-loan-rate-fixed-over-one-to-five-years/eu-countries?period=2026-01.

Harvard

European Central Bank (no date) ECB MIR: New housing loan rate, fixed over 1 to 5 years (M.<area>.B.A2C.I.R.A.2250.EUR.N), EU countries by new housing loan rate, fixed over 1 to 5 years, 2026-01 [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.I.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01, via Invokely: https://invokely.ai/rankings/housing-loan-rate-fixed-over-one-to-five-years/eu-countries?period=2026-01 (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 1 to 5 years (M.<area>.B.A2C.I.R.A.2250.EUR.N): EU countries by new housing loan rate, fixed over 1 to 5 years, 2026-01}},
  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.I.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-one-to-five-years/eu-countries?period=2026-01. Publisher attribution: 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.},
}
RIS
TY  - DATA
AU  - European Central Bank
TI  - ECB MIR: New housing loan rate, fixed over 1 to 5 years (M.<area>.B.A2C.I.R.A.2250.EUR.N): EU countries by new housing loan rate, fixed over 1 to 5 years, 2026-01
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.I.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01
L2  - https://invokely.ai/rankings/housing-loan-rate-fixed-over-one-to-five-years/eu-countries?period=2026-01
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/rankings/housing-loan-rate-fixed-over-one-to-five-years/eu-countries?period=2026-01.
N1  - Publisher attribution: 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.
ER  -
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Rank EU countries by new housing loan rate, fixed over 1 to 5 years using official data, and cite the source.
rank_places {"indicator":"ecb_housing_rate_fixation_1to5y","level":"country","within":"European Union (27)","limit":10}
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Questions

Which EU country has the highest new housing loan rate, fixed over 1 to 5 years?

Latvia, with 9.29% in January 2026, according to the European Central Bank.

Which EU country has the lowest new housing loan rate, fixed over 1 to 5 years?

Malta, with 1.72% in January 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 1 to 5 years (M.<area>.B.A2C.I.R.A.2250.EUR.N). Retrieved 2026-10-12.

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