Data / Rankings / New housing loan rate, fixed over 10 years / EU countries

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

Lithuania had the highest new housing loan rate, fixed over 10 years of 18 EU countries in September 2022, at 4.73%. France had the lowest, at 1.7%. The median was 2.83%. Source: the European Central Bank.

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Highest4.73Lithuania
Lowest1.7France
Median2.8318 EU countries

Map of EU countries, September 2022

Austria: 2.43 %Belgium: 2.48 %Bulgaria: 2.63 %Germany: 3.18 %Estonia: 4.04 %Spain: 1.96 %Finland: 3.11 %France: 1.7 %Greece: 3.38 %Croatia: 2.75 %Italy: 2.86 %Lithuania: 4.73 %Luxembourg: 2.86 %Latvia: 4.47 %Netherlands: 2.77 %Portugal: 3.58 %Slovenia: 2.79 %Slovakia: 2.61 %
  • Under 2.5
  • 2.5 to 2.8
  • 2.8 to 2.9
  • 2.9 to 3.5
  • 3.5 and over
  • No data
%, September 2022. Hatched areas have no value for this period. Source: ECB, ECB MIR: New housing loan rate, fixed over 10 years (M.<area>.B.A2C.P.R.A.2250.EUR.N). Boundaries: Natural Earth (public domain).

All EU countries, September 2022

Lithuania: 4.73 %Lithuania4.73Latvia: 4.47 %Latvia4.47Estonia: 4.04 %Estonia4.04Portugal: 3.58 %Portugal3.58Greece: 3.38 %Greece3.38Germany: 3.18 %Germany3.18Finland: 3.11 %Finland3.11Italy: 2.86 %Italy2.86Luxembourg: 2.86 %Luxembourg2.86Slovenia: 2.79 %Slovenia2.79Netherlands: 2.77 %Netherlands2.77Croatia: 2.75 %Croatia2.75Bulgaria: 2.63 %Bulgaria2.63Slovakia: 2.61 %Slovakia2.61Belgium: 2.48 %Belgium2.48Austria: 2.43 %Austria2.43Spain: 1.96 %Spain1.96France: 1.7 %France1.7Lithuania: 4.73 %Lithuania4.73Latvia: 4.47 %Latvia4.47Estonia: 4.04 %Estonia4.04Portugal: 3.58 %Portugal3.58Greece: 3.38 %Greece3.38Germany: 3.18 %Germany3.18Finland: 3.11 %Finland3.11Italy: 2.86 %Italy2.86Luxembourg: 2.86 %Luxembourg2.86Slovenia: 2.79 %Slovenia2.79Netherlands: 2.77 %Netherlands2.77Croatia: 2.75 %Croatia2.75Bulgaria: 2.63 %Bulgaria2.63Slovakia: 2.61 %Slovakia2.61Belgium: 2.48 %Belgium2.48Austria: 2.43 %Austria2.43Spain: 1.96 %Spain1.96France: 1.7 %France1.7
%. Source: ECB, ECB MIR: New housing loan rate, fixed over 10 years (M.<area>.B.A2C.P.R.A.2250.EUR.N). Retrieved 2026-10-12.

Full ranking

RankEU countriesSeptember 2022 (%)Change on September 2021
1Lithuania4.73+0.24 pts
2Latvia4.47-1 pts
3Estonia4.04+2.69 pts
4Portugal3.58+1.69 pts
5Greece3.38-0.04 pts
6Germany3.18+1.91 pts
7Finland3.11+1.81 pts
8Italy2.86+1.49 pts
8Luxembourg2.86+1.49 pts
10Slovenia2.79+1.02 pts
11Netherlands2.77+1.02 pts
12Croatia2.75-0.2 pts
13Bulgaria2.63n/a
14Slovakia2.61+1.25 pts
15Belgium2.48+1.1 pts
16Austria2.43+1.09 pts
17Spain1.96+0.56 pts
18France1.7+0.57 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 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. 1 EU countries with data in other periods have no value for September 2022 and are left out rather than filled from another source. Equal values share a rank.

How to cite

European Central Bank. ECB MIR: New housing loan rate, fixed over 10 years (M.<area>.B.A2C.P.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.P.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 10 years (M.<area>.B.A2C.P.R.A.2250.EUR.N) (EU countries by new housing loan rate, fixed over 10 years, 2022-09) [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.P.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01

MLA 9

ECB MIR: New housing loan rate, fixed over 10 years (M.<area>.B.A2C.P.R.A.2250.EUR.N), EU countries by new housing loan rate, fixed over 10 years, 2022-09. 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.P.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01. Invokely, https://invokely.ai/rankings/housing-loan-rate-fixed-over-ten-years/eu-countries?period=2022-09. Accessed 12 Oct. 2026.

Chicago (author-date)

European Central Bank. n.d. ECB MIR: New housing loan rate, fixed over 10 years (M.<area>.B.A2C.P.R.A.2250.EUR.N). EU countries by new housing loan rate, fixed over 10 years, 2022-09. 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.P.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01. Also distributed by Invokely, https://invokely.ai/rankings/housing-loan-rate-fixed-over-ten-years/eu-countries?period=2022-09.

Harvard

European Central Bank (no date) ECB MIR: New housing loan rate, fixed over 10 years (M.<area>.B.A2C.P.R.A.2250.EUR.N), EU countries by new housing loan rate, fixed over 10 years, 2022-09 [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.P.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01, via Invokely: https://invokely.ai/rankings/housing-loan-rate-fixed-over-ten-years/eu-countries?period=2022-09 (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 10 years (M.<area>.B.A2C.P.R.A.2250.EUR.N): EU countries by new housing loan rate, fixed over 10 years, 2022-09}},
  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.P.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-ten-years/eu-countries?period=2022-09. Publisher attribution: European Central Bank. ECB MIR: New housing loan rate, fixed over 10 years (M.<area>.B.A2C.P.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.P.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 10 years (M.<area>.B.A2C.P.R.A.2250.EUR.N): EU countries by new housing loan rate, fixed over 10 years, 2022-09
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.P.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01
L2  - https://invokely.ai/rankings/housing-loan-rate-fixed-over-ten-years/eu-countries?period=2022-09
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/rankings/housing-loan-rate-fixed-over-ten-years/eu-countries?period=2022-09.
N1  - Publisher attribution: European Central Bank. ECB MIR: New housing loan rate, fixed over 10 years (M.<area>.B.A2C.P.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.P.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 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 10 years?

Lithuania, with 4.73% in September 2022, according to the European Central Bank.

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

France, with 1.7% in September 2022.

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 10 years (M.<area>.B.A2C.P.R.A.2250.EUR.N). Retrieved 2026-10-12. 1 EU countries have no value for September 2022 and are not ranked.

EU countries: more rankings