EU countries by outstanding household consumer and other loan rate, August 2026

Estonia had the highest outstanding household consumer and other loan rate of 21 EU countries in August 2026, at 11%. The Netherlands had the lowest, at 4.38%. The median was 6.15%. Source: the European Central Bank.

Highest11Estonia

Lowest4.38Netherlands

Median6.1521 EU countries

Map of EU countries, August 2026

Under 5.1
5.1 to 5.5
5.5 to 6.8
6.8 to 7.5
7.5 and over
No data

%, August 2026. Hatched areas have no value for this period. Source: ECB, ECB MIR: Outstanding household consumer and other loan rate (M.<area>.B.A25.A.R.A.2250.EUR.O). Boundaries: Natural Earth (public domain).

All EU countries, August 2026

%. Source: ECB, ECB MIR: Outstanding household consumer and other loan rate (M.<area>.B.A25.A.R.A.2250.EUR.O). Retrieved 2026-10-12.

Full ranking

Rank	EU countries	August 2026 (%)	Change on August 2025
1	Estonia	11	-0.7 pts
2	Latvia	10.32	-0.71 pts
3	Greece	8.87	+0.27 pts
4	Lithuania	8.36	+0.12 pts
5	Ireland	7.46	+0.41 pts
6	Portugal	7.42	+0.11 pts
7	Bulgaria	7.25	+2.28 pts
8	Spain	7.03	+0.12 pts
9	Luxembourg	6.84	+0.09 pts
10	Italy	6.66	+0.38 pts
11	Slovakia	6.15	-0.11 pts
12	Slovenia	6.12	-0.18 pts
13	Germany	5.54	+0.26 pts
14	Cyprus	5.44	+0.09 pts
15	Croatia	5.35	-0.16 pts
16	Malta	5.21	-0.41 pts
17	France	5.14	+0.4 pts
18	Finland	5.08	+0.13 pts
19	Austria	5.04	+0.28 pts
20	Belgium	4.58	+0.03 pts
21	Netherlands	4.38	+0.17 pts

Other periods

About this ranking

Annualised interest rate reported monthly on the outstanding stock of euro loans to households for consumption and other purposes.

This rate covers existing loan balances, rather than new agreements. Outstanding-amount statistics describe the loan stock and differ from new-business statistics. 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: Outstanding household consumer and other loan rate (M.<area>.B.A25.A.R.A.2250.EUR.O). 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.A25.A.R.A.2250.EUR.O?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: Outstanding household consumer and other loan rate (M.<area>.B.A25.A.R.A.2250.EUR.O) (EU countries by outstanding household consumer and other loan rate, 2026-08) [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.A25.A.R.A.2250.EUR.O?format=csvdata&startPeriod=2003-01

MLA 9

ECB MIR: Outstanding household consumer and other loan rate (M.<area>.B.A25.A.R.A.2250.EUR.O), EU countries by outstanding household consumer and other loan rate, 2026-08. 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.A25.A.R.A.2250.EUR.O?format=csvdata&startPeriod=2003-01. Invokely, https://invokely.ai/rankings/outstanding-household-consumer-and-other-loan-rate/eu-countries. Accessed 12 Oct. 2026.

Chicago (author-date)

European Central Bank. n.d. ECB MIR: Outstanding household consumer and other loan rate (M.<area>.B.A25.A.R.A.2250.EUR.O). EU countries by outstanding household consumer and other loan rate, 2026-08. 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.A25.A.R.A.2250.EUR.O?format=csvdata&startPeriod=2003-01. Also distributed by Invokely, https://invokely.ai/rankings/outstanding-household-consumer-and-other-loan-rate/eu-countries.

Harvard

European Central Bank (no date) ECB MIR: Outstanding household consumer and other loan rate (M.<area>.B.A25.A.R.A.2250.EUR.O), EU countries by outstanding household consumer and other loan rate, 2026-08 [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.A25.A.R.A.2250.EUR.O?format=csvdata&startPeriod=2003-01, via Invokely: https://invokely.ai/rankings/outstanding-household-consumer-and-other-loan-rate/eu-countries (Accessed: 12 October 2026).

BibTeX

@misc{european_eu_countries_by_outstanding_2026,
  author = {{European Central Bank}},
  title = {{ECB MIR: Outstanding household consumer and other loan rate (M.<area>.B.A25.A.R.A.2250.EUR.O): EU countries by outstanding household consumer and other loan rate, 2026-08}},
  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.A25.A.R.A.2250.EUR.O?format=csvdata&startPeriod=2003-01},
  urldate = {2026-10-12},
  note = {Accessed via Invokely, https://invokely.ai/rankings/outstanding-household-consumer-and-other-loan-rate/eu-countries. Publisher attribution: European Central Bank. ECB MIR: Outstanding household consumer and other loan rate (M.<area>.B.A25.A.R.A.2250.EUR.O). 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.A25.A.R.A.2250.EUR.O?format=csvdata\&startPeriod=2003-01. Retrieved 2026-10-12.},
}

RIS

TY  - DATA
AU  - European Central Bank
TI  - ECB MIR: Outstanding household consumer and other loan rate (M.<area>.B.A25.A.R.A.2250.EUR.O): EU countries by outstanding household consumer and other loan rate, 2026-08
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.A25.A.R.A.2250.EUR.O?format=csvdata&startPeriod=2003-01
L2  - https://invokely.ai/rankings/outstanding-household-consumer-and-other-loan-rate/eu-countries
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/rankings/outstanding-household-consumer-and-other-loan-rate/eu-countries.
N1  - Publisher attribution: European Central Bank. ECB MIR: Outstanding household consumer and other loan rate (M.<area>.B.A25.A.R.A.2250.EUR.O). 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.A25.A.R.A.2250.EUR.O?format=csvdata&startPeriod=2003-01. Retrieved 2026-10-12.
ER  -

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Questions

Which EU country has the highest outstanding household consumer and other loan rate?

Estonia, with 11% in August 2026, according to the European Central Bank.

Which EU country has the lowest outstanding household consumer and other loan rate?

The Netherlands, with 4.38% in August 2026.

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: Outstanding household consumer and other loan rate (M.<area>.B.A25.A.R.A.2250.EUR.O). Retrieved 2026-10-12.