# EU countries by new housing loan rate, floating or fixed up to 1 year, August 2026

All 21 values come from European Central Bank for 2026-08, so the places are comparable.

- Indicator id: `ecb_housing_rate_fixation_upto_1y`
- Unit: %
- Definition: Monthly average annual interest rate on new euro loans to households for house purchase, with a floating rate or initial rate fixation of up to 1 year.
- Source: European Central Bank, ECB MIR: New housing loan rate, floating or fixed up to 1 year (M.<area>.B.A2C.F.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.F.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, floating or fixed up to 1 year (M.<area>.B.A2C.F.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.F.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01. Retrieved 2026-10-12.
- Web page: https://invokely.ai/rankings/housing-loan-rate-floating-or-fixed-up-to-one-year/eu-countries

| Rank | Place | % |
|---:|---|---:|
| 1 | Belgium | 4.69 |
| 2 | Germany | 4.4 |
| 3 | Netherlands | 4.3 |
| 4 | Latvia | 4.2 |
| 5 | Cyprus | 4.16 |
| 5 | Estonia | 4.16 |
| 7 | Lithuania | 4.12 |
| 8 | Ireland | 4 |
| 9 | France | 3.84 |
| 10 | Slovakia | 3.75 |
| 11 | Austria | 3.65 |
| 12 | Greece | 3.39 |
| 13 | Italy | 3.37 |
| 14 | Slovenia | 3.33 |
| 15 | Portugal | 3.28 |
| 16 | Spain | 3.23 |
| 17 | Finland | 3.22 |
| 18 | Luxembourg | 3.19 |
| 19 | Croatia | 3.17 |
| 20 | Malta | 2.53 |
| 21 | Bulgaria | 2.42 |