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

Estonia had the highest new housing loan rate, fixed over 10 years of 18 EU countries in December 2023, at 11.92%. Spain had the lowest, at 3.21%. The median was 3.91%. Source: the European Central Bank.

Highest11.92Estonia

Lowest3.21Spain

Median3.9118 EU countries

Map of EU countries, December 2023

Under 3.6
3.6 to 3.7
3.7 to 4
4 to 4.6
4.6 and over
No data

%, December 2023. 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, December 2023

%. 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

Rank	EU countries	December 2023 (%)	Change on December 2022
1	Estonia	11.92	+8.22 pts
2	Lithuania	6.44	+1.07 pts
3	Latvia	6.09	n/a
4	Slovakia	4.97	+1.51 pts
5	Greece	4.15	+0.49 pts
6	Bulgaria	4.07	0 pts
7	Luxembourg	4.02	+0.48 pts
8	Italy	4.01	+0.44 pts
9	Slovenia	3.95	+0.31 pts
10	Portugal	3.86	+0.25 pts
11	Croatia	3.72	+1.11 pts
12	Germany	3.65	+0.1 pts
13	France	3.62	+1.55 pts
14	Belgium	3.6	+0.69 pts
15	Finland	3.53	+0.53 pts
16	Austria	3.38	+0.64 pts
17	Netherlands	3.34	+0.24 pts
18	Spain	3.21	+0.64 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 December 2023 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, 2023-12) [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, 2023-12. 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=2023-12. 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, 2023-12. 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=2023-12.

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, 2023-12 [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=2023-12 (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, 2023-12}},
  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=2023-12. 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, 2023-12
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=2023-12
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/rankings/housing-loan-rate-fixed-over-ten-years/eu-countries?period=2023-12.
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  -

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-ten-years/eu-countries?period=2023-12" width="760" height="500" title="EU countries by new housing loan rate, fixed over 10 years, December 2023, 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 10 years using official data, and cite the source.

rank_places {"indicator":"ecb_housing_rate_fixation_over_10y","level":"country","within":"European Union (27)","limit":10}
GET https://invokely.ai/api/v1/rank?indicator=ecb_housing_rate_fixation_over_10y&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 10 years?

Estonia, with 11.92% in December 2023, according to the European Central Bank.

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

Spain, with 3.21% in December 2023.

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 December 2023 and are not ranked.