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 December 2025, at 4.18%. Malta had the lowest, at 2.42%. The median was 3.44%. Source: the European Central Bank.

Highest4.18Belgium

Lowest2.42Malta

Median3.4421 EU countries

Map of EU countries, December 2025

Under 2.9
2.9 to 3.3
3.3 to 3.6
3.6 to 3.8
3.8 and over
No data

%, December 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, December 2025

%. 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

Rank	EU countries	December 2025 (%)	Change on December 2024
1	Belgium	4.18	-0.43 pts
2	Germany	4.12	-0.66 pts
3	Netherlands	3.9	-0.95 pts
4	Slovakia	3.89	-0.5 pts
5	Cyprus	3.78	-0.97 pts
6	Ireland	3.69	-0.39 pts
7	Estonia	3.67	-0.78 pts
8	Lithuania	3.66	-0.66 pts
9	Latvia	3.62	-0.51 pts
10	France	3.47	-0.35 pts
11	Greece	3.44	-0.15 pts
12	Austria	3.32	-1.01 pts
13	Croatia	3.25	+0.11 pts
14	Slovenia	3.23	-1.74 pts
15	Italy	3.21	-1 pts
16	Luxembourg	3.15	-0.89 pts
17	Portugal	2.87	-0.78 pts
17	Spain	2.87	-0.56 pts
19	Finland	2.81	-0.41 pts
20	Bulgaria	2.44	-0.34 pts
21	Malta	2.42	-0.08 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, 2025-12) [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.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, 2025-12. 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.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=2025-12. 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, 2025-12. 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.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=2025-12.

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, 2025-12 [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.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=2025-12 (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, 2025-12}},
  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.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=2025-12. 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, 2025-12
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.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=2025-12
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=2025-12.
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  -

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Rank EU countries by new housing loan rate, floating or fixed up to 1 year using official data, and cite the source.

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Questions

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

Belgium, with 4.18% in December 2025, according to the European Central Bank.

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

Malta, with 2.42% in December 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.