Data / Rankings / New housing loan rate, floating or fixed up to 1 year / EU countries

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

Belgium had the highest new housing loan rate, floating or fixed up to 1 year of 21 EU countries in November 2025, at 4.26%. Bulgaria had the lowest, at 2.4%. The median was 3.59%. Source: the European Central Bank.

Keep it in a collection in your library.
Highest4.26Belgium
Lowest2.4Bulgaria
Median3.5921 EU countries

Map of EU countries, November 2025

Austria: 3.33 %Belgium: 4.26 %Bulgaria: 2.4 %Cyprus: 3.86 %Germany: 4.17 %Estonia: 3.69 %Spain: 2.95 %Finland: 2.79 %France: 3.61 %Greece: 3.4 %Croatia: 3.33 %Ireland: 3.65 %Italy: 3.1 %Lithuania: 3.65 %Luxembourg: 3.07 %Latvia: 3.63 %Malta: 2.73 %Netherlands: 3.89 %Portugal: 2.83 %Slovenia: 3.59 %Slovakia: 3.84 %
  • Under 3
  • 3 to 3.3
  • 3.3 to 3.6
  • 3.6 to 3.8
  • 3.8 and over
  • No data
%, November 2025. Hatched areas have no value for this period. Source: ECB, ECB MIR: New housing loan rate, floating or fixed up to 1 year (M.<area>.B.A2C.F.R.A.2250.EUR.N). Boundaries: Natural Earth (public domain).

All EU countries, November 2025

Belgium: 4.26 %Belgium4.26Germany: 4.17 %Germany4.17Netherlands: 3.89 %Netherlands3.89Cyprus: 3.86 %Cyprus3.86Slovakia: 3.84 %Slovakia3.84Estonia: 3.69 %Estonia3.69Ireland: 3.65 %Ireland3.65Lithuania: 3.65 %Lithuania3.65Latvia: 3.63 %Latvia3.63France: 3.61 %France3.61Slovenia: 3.59 %Slovenia3.59Greece: 3.4 %Greece3.4Austria: 3.33 %Austria3.33Croatia: 3.33 %Croatia3.33Italy: 3.1 %Italy3.1Luxembourg: 3.07 %Luxembourg3.07Spain: 2.95 %Spain2.95Portugal: 2.83 %Portugal2.83Finland: 2.79 %Finland2.79Malta: 2.73 %Malta2.73Bulgaria: 2.4 %Bulgaria2.4Belgium: 4.26 %Belgium4.26Germany: 4.17 %Germany4.17Netherlands: 3.89 %Netherlands3.89Cyprus: 3.86 %Cyprus3.86Slovakia: 3.84 %Slovakia3.84Estonia: 3.69 %Estonia3.69Ireland: 3.65 %Ireland3.65Lithuania: 3.65 %Lithuania3.65Latvia: 3.63 %Latvia3.63France: 3.61 %France3.61Slovenia: 3.59 %Slovenia3.59Greece: 3.4 %Greece3.4Austria: 3.33 %Austria3.33Croatia: 3.33 %Croatia3.33Italy: 3.1 %Italy3.1Luxembourg: 3.07 %Luxembourg3.07Spain: 2.95 %Spain2.95Portugal: 2.83 %Portugal2.83Finland: 2.79 %Finland2.79Malta: 2.73 %Malta2.73Bulgaria: 2.4 %Bulgaria2.4
%. Source: ECB, ECB MIR: New housing loan rate, floating or fixed up to 1 year (M.<area>.B.A2C.F.R.A.2250.EUR.N). Retrieved 2026-10-12.

Full ranking

RankEU countriesNovember 2025 (%)Change on November 2024
1Belgium4.26-0.48 pts
2Germany4.17-0.85 pts
3Netherlands3.89-1.04 pts
4Cyprus3.86-0.64 pts
5Slovakia3.84-0.64 pts
6Estonia3.69-0.97 pts
7Ireland Series break3.65-0.63 pts
7Lithuania3.65-0.86 pts
9Latvia3.63-0.69 pts
10France3.61-0.16 pts
11Slovenia3.59-1.42 pts
12Greece3.4-0.48 pts
13Austria3.33-1.05 pts
13Croatia3.33+0.13 pts
15Italy3.1-1.24 pts
16Luxembourg3.07-1.15 pts
17Spain2.95-0.66 pts
18Portugal2.83-1.06 pts
19Finland2.79-0.53 pts
20Malta2.73+0.17 pts
21Bulgaria2.4-0.34 pts

Other periods

About this ranking

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.

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, 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.

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, floating or fixed up to 1 year (M.<area>.B.A2C.F.R.A.2250.EUR.N) (EU countries by new housing loan rate, floating or fixed up to 1 year, 2025-11) [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.F.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01

MLA 9

ECB MIR: New housing loan rate, floating or fixed up to 1 year (M.<area>.B.A2C.F.R.A.2250.EUR.N), EU countries by new housing loan rate, floating or fixed up to 1 year, 2025-11. 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.F.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01. Invokely, https://invokely.ai/rankings/housing-loan-rate-floating-or-fixed-up-to-one-year/eu-countries?period=2025-11. Accessed 12 Oct. 2026.

Chicago (author-date)

European Central Bank. n.d. ECB MIR: New housing loan rate, floating or fixed up to 1 year (M.<area>.B.A2C.F.R.A.2250.EUR.N). EU countries by new housing loan rate, floating or fixed up to 1 year, 2025-11. 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.F.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01. Also distributed by Invokely, https://invokely.ai/rankings/housing-loan-rate-floating-or-fixed-up-to-one-year/eu-countries?period=2025-11.

Harvard

European Central Bank (no date) ECB MIR: New housing loan rate, floating or fixed up to 1 year (M.<area>.B.A2C.F.R.A.2250.EUR.N), EU countries by new housing loan rate, floating or fixed up to 1 year, 2025-11 [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.F.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01, via Invokely: https://invokely.ai/rankings/housing-loan-rate-floating-or-fixed-up-to-one-year/eu-countries?period=2025-11 (Accessed: 12 October 2026).

BibTeX
@misc{european_eu_countries_by_new_2026,
  author = {{European Central Bank}},
  title = {{ECB MIR: New housing loan rate, floating or fixed up to 1 year (M.<area>.B.A2C.F.R.A.2250.EUR.N): EU countries by new housing loan rate, floating or fixed up to 1 year, 2025-11}},
  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.F.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-floating-or-fixed-up-to-one-year/eu-countries?period=2025-11. Publisher attribution: 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.},
}
RIS
TY  - DATA
AU  - European Central Bank
TI  - ECB MIR: New housing loan rate, floating or fixed up to 1 year (M.<area>.B.A2C.F.R.A.2250.EUR.N): EU countries by new housing loan rate, floating or fixed up to 1 year, 2025-11
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.F.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01
L2  - https://invokely.ai/rankings/housing-loan-rate-floating-or-fixed-up-to-one-year/eu-countries?period=2025-11
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/rankings/housing-loan-rate-floating-or-fixed-up-to-one-year/eu-countries?period=2025-11.
N1  - Publisher attribution: 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.
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.

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, floating or fixed up to 1 year using official data, and cite the source.
rank_places {"indicator":"ecb_housing_rate_fixation_upto_1y","level":"country","within":"European Union (27)","limit":10}
GET https://invokely.ai/api/v1/rank?indicator=ecb_housing_rate_fixation_upto_1y&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, floating or fixed up to 1 year?

Belgium, with 4.26% in November 2025, according to the European Central Bank.

Which EU country has the lowest new housing loan rate, floating or fixed up to 1 year?

Bulgaria, with 2.4% in November 2025.

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, floating or fixed up to 1 year (M.<area>.B.A2C.F.R.A.2250.EUR.N). Retrieved 2026-10-12.

EU countries: more rankings