Data / Rankings / Outstanding household consumer and other loan rate / EU countries

EU countries by outstanding household consumer and other loan rate

Estonia had the highest outstanding household consumer and other loan rate of 21 EU countries in October 2025, at 11.56%. The Netherlands had the lowest, at 4.26%. The median was 6.26%. Source: the European Central Bank.

Keep it in a collection in your library.
Highest11.56Estonia
Lowest4.26Netherlands
Median6.2621 EU countries

Map of EU countries, October 2025

Austria: 4.77 %Belgium: 4.56 %Bulgaria: 4.84 %Cyprus: 5.33 %Germany: 5.32 %Estonia: 11.56 %Spain: 6.85 %Finland: 4.88 %France: 4.79 %Greece: 8.6 %Croatia: 5.47 %Ireland: 7.11 %Italy: 6.45 %Lithuania: 8.3 %Luxembourg: 6.63 %Latvia: 10.43 %Malta: 5.58 %Netherlands: 4.26 %Portugal: 7.31 %Slovenia: 6.26 %Slovakia: 6.26 %
  • Under 4.8
  • 4.8 to 5.5
  • 5.5 to 6.5
  • 6.5 to 7.3
  • 7.3 and over
  • No data
%, October 2025. 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, October 2025

Estonia: 11.56 %Estonia11.56Latvia: 10.43 %Latvia10.43Greece: 8.6 %Greece8.6Lithuania: 8.3 %Lithuania8.3Portugal: 7.31 %Portugal7.31Ireland: 7.11 %Ireland7.11Spain: 6.85 %Spain6.85Luxembourg: 6.63 %Luxembourg6.63Italy: 6.45 %Italy6.45Slovakia: 6.26 %Slovakia6.26Slovenia: 6.26 %Slovenia6.26Malta: 5.58 %Malta5.58Croatia: 5.47 %Croatia5.47Cyprus: 5.33 %Cyprus5.33Germany: 5.32 %Germany5.32Finland: 4.88 %Finland4.88Bulgaria: 4.84 %Bulgaria4.84France: 4.79 %France4.79Austria: 4.77 %Austria4.77Belgium: 4.56 %Belgium4.56Netherlands: 4.26 %Netherlands4.26Estonia: 11.56 %Estonia11.56Latvia: 10.43 %Latvia10.43Greece: 8.6 %Greece8.6Lithuania: 8.3 %Lithuania8.3Portugal: 7.31 %Portugal7.31Ireland: 7.11 %Ireland7.11Spain: 6.85 %Spain6.85Luxembourg: 6.63 %Luxembourg6.63Italy: 6.45 %Italy6.45Slovakia: 6.26 %Slovakia6.26Slovenia: 6.26 %Slovenia6.26Malta: 5.58 %Malta5.58Croatia: 5.47 %Croatia5.47Cyprus: 5.33 %Cyprus5.33Germany: 5.32 %Germany5.32Finland: 4.88 %Finland4.88Bulgaria: 4.84 %Bulgaria4.84France: 4.79 %France4.79Austria: 4.77 %Austria4.77Belgium: 4.56 %Belgium4.56Netherlands: 4.26 %Netherlands4.26
%. 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

RankEU countriesOctober 2025 (%)Change on October 2024
1Estonia11.56-1.09 pts
2Latvia10.43-1.23 pts
3Greece8.6-0.49 pts
4Lithuania8.3-0.19 pts
5Portugal7.31-0.43 pts
6Ireland7.11-0.07 pts
7Spain6.85-0.37 pts
8Luxembourg6.63-0.59 pts
9Italy6.45+0.03 pts
10Slovakia6.26+0.11 pts
10Slovenia6.26-0.65 pts
12Malta5.58+1.07 pts
13Croatia5.47-0.15 pts
14Cyprus5.33-0.46 pts
15Germany5.32+0.14 pts
16Finland4.88-1.09 pts
17Bulgaria4.84-0.77 pts
18France4.79+0.07 pts
19Austria4.77-0.73 pts
20Belgium4.56+0.07 pts
21Netherlands4.26+0.03 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, 2025-10) [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, 2025-10. 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?period=2025-10. 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, 2025-10. 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?period=2025-10.

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, 2025-10 [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?period=2025-10 (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, 2025-10}},
  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?period=2025-10. 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, 2025-10
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?period=2025-10
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/rankings/outstanding-household-consumer-and-other-loan-rate/eu-countries?period=2025-10.
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  -
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 outstanding household consumer and other loan rate using official data, and cite the source.
rank_places {"indicator":"ecb_consumer_other_outstanding_loan_rate","level":"country","within":"European Union (27)","limit":10}
GET https://invokely.ai/api/v1/rank?indicator=ecb_consumer_other_outstanding_loan_rate&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 outstanding household consumer and other loan rate?

Estonia, with 11.56% in October 2025, according to the European Central Bank.

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

The Netherlands, with 4.26% in October 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: Outstanding household consumer and other loan rate (M.<area>.B.A25.A.R.A.2250.EUR.O). Retrieved 2026-10-12.

EU countries: more rankings