Data / Rankings / Outstanding household housing loan rate / EU countries

EU countries by outstanding household housing loan rate, August 2026

Latvia had the highest outstanding household housing loan rate of 20 EU countries in August 2026, at 4.57%. France had the lowest, at 1.99%. The median was 2.95%. Source: the European Central Bank.

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Highest4.57Latvia
Lowest1.99France
Median2.9520 EU countries

Map of EU countries, August 2026

Austria: 2.87 %Belgium: 2.52 %Bulgaria: 2.65 %Cyprus: 3.56 %Germany: 2.4 %Estonia: 4.34 %Spain: 2.88 %Finland: 3.04 %France: 1.99 %Croatia: 3.01 %Ireland: 3.5 %Italy: 2.83 %Lithuania: 4.26 %Luxembourg: 2.76 %Latvia: 4.57 %Malta: 2.42 %Netherlands: 2.87 %Portugal: 3.21 %Slovenia: 3.05 %Slovakia: 3.13 %
  • Under 2.6
  • 2.6 to 2.9
  • 2.9 to 3
  • 3 to 3.5
  • 3.5 and over
  • No data
%, August 2026. Hatched areas have no value for this period. Source: ECB, ECB MIR: Outstanding household housing loan rate (M.<area>.B.A22.A.R.A.2250.EUR.O). Boundaries: Natural Earth (public domain).

All EU countries, August 2026

Latvia: 4.57 %Latvia4.57Estonia: 4.34 %Estonia4.34Lithuania: 4.26 %Lithuania4.26Cyprus: 3.56 %Cyprus3.56Ireland: 3.5 %Ireland3.5Portugal: 3.21 %Portugal3.21Slovakia: 3.13 %Slovakia3.13Slovenia: 3.05 %Slovenia3.05Finland: 3.04 %Finland3.04Croatia: 3.01 %Croatia3.01Spain: 2.88 %Spain2.88Austria: 2.87 %Austria2.87Netherlands: 2.87 %Netherlands2.87Italy: 2.83 %Italy2.83Luxembourg: 2.76 %Luxembourg2.76Bulgaria: 2.65 %Bulgaria2.65Belgium: 2.52 %Belgium2.52Malta: 2.42 %Malta2.42Germany: 2.4 %Germany2.4France: 1.99 %France1.99Latvia: 4.57 %Latvia4.57Estonia: 4.34 %Estonia4.34Lithuania: 4.26 %Lithuania4.26Cyprus: 3.56 %Cyprus3.56Ireland: 3.5 %Ireland3.5Portugal: 3.21 %Portugal3.21Slovakia: 3.13 %Slovakia3.13Slovenia: 3.05 %Slovenia3.05Finland: 3.04 %Finland3.04Croatia: 3.01 %Croatia3.01Spain: 2.88 %Spain2.88Austria: 2.87 %Austria2.87Netherlands: 2.87 %Netherlands2.87Italy: 2.83 %Italy2.83Luxembourg: 2.76 %Luxembourg2.76Bulgaria: 2.65 %Bulgaria2.65Belgium: 2.52 %Belgium2.52Malta: 2.42 %Malta2.42Germany: 2.4 %Germany2.4France: 1.99 %France1.99
%. Source: ECB, ECB MIR: Outstanding household housing loan rate (M.<area>.B.A22.A.R.A.2250.EUR.O). Retrieved 2026-10-12.

Full ranking

RankEU countriesAugust 2026 (%)Change on August 2025
1Latvia4.57+0.29 pts
2Estonia4.34+0.33 pts
3Lithuania4.26+0.29 pts
4Cyprus3.56-0.07 pts
5Ireland3.5+0.05 pts
6Portugal3.21-0.03 pts
7Slovakia3.13+0.09 pts
8Slovenia3.05+0.01 pts
9Finland3.04+0.18 pts
10Croatia3.01-0.03 pts
11Spain2.88+0.02 pts
12Austria2.87+0.15 pts
12Netherlands2.87+0.16 pts
14Italy2.83+0.16 pts
15Luxembourg2.76+0.15 pts
16Bulgaria2.65-1.1 pts
17Belgium2.52+0.16 pts
18Malta2.42-0.1 pts
19Germany2.4+0.22 pts
20France1.99+0.13 pts

Other periods

About this ranking

Annualised interest rate reported monthly on the outstanding stock of euro loans to households for house purchase.

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. 1 EU countries with data in other periods have no value for August 2026 and are left out rather than filled from another source. Equal values share a rank.

How to cite

European Central Bank. ECB MIR: Outstanding household housing loan rate (M.<area>.B.A22.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.A22.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 housing loan rate (M.<area>.B.A22.A.R.A.2250.EUR.O) (EU countries by outstanding household housing 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.A22.A.R.A.2250.EUR.O?format=csvdata&startPeriod=2003-01

MLA 9

ECB MIR: Outstanding household housing loan rate (M.<area>.B.A22.A.R.A.2250.EUR.O), EU countries by outstanding household housing 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.A22.A.R.A.2250.EUR.O?format=csvdata&startPeriod=2003-01. Invokely, https://invokely.ai/rankings/outstanding-housing-loan-rate/eu-countries. Accessed 12 Oct. 2026.

Chicago (author-date)

European Central Bank. n.d. ECB MIR: Outstanding household housing loan rate (M.<area>.B.A22.A.R.A.2250.EUR.O). EU countries by outstanding household housing 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.A22.A.R.A.2250.EUR.O?format=csvdata&startPeriod=2003-01. Also distributed by Invokely, https://invokely.ai/rankings/outstanding-housing-loan-rate/eu-countries.

Harvard

European Central Bank (no date) ECB MIR: Outstanding household housing loan rate (M.<area>.B.A22.A.R.A.2250.EUR.O), EU countries by outstanding household housing 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.A22.A.R.A.2250.EUR.O?format=csvdata&startPeriod=2003-01, via Invokely: https://invokely.ai/rankings/outstanding-housing-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 housing loan rate (M.<area>.B.A22.A.R.A.2250.EUR.O): EU countries by outstanding household housing 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.A22.A.R.A.2250.EUR.O?format=csvdata&startPeriod=2003-01},
  urldate = {2026-10-12},
  note = {Accessed via Invokely, https://invokely.ai/rankings/outstanding-housing-loan-rate/eu-countries. Publisher attribution: European Central Bank. ECB MIR: Outstanding household housing loan rate (M.<area>.B.A22.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.A22.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 housing loan rate (M.<area>.B.A22.A.R.A.2250.EUR.O): EU countries by outstanding household housing 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.A22.A.R.A.2250.EUR.O?format=csvdata&startPeriod=2003-01
L2  - https://invokely.ai/rankings/outstanding-housing-loan-rate/eu-countries
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/rankings/outstanding-housing-loan-rate/eu-countries.
N1  - Publisher attribution: European Central Bank. ECB MIR: Outstanding household housing loan rate (M.<area>.B.A22.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.A22.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 housing loan rate?

Latvia, with 4.57% in August 2026, according to the European Central Bank.

Which EU country has the lowest outstanding household housing loan rate?

France, with 1.99% 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 housing loan rate (M.<area>.B.A22.A.R.A.2250.EUR.O). Retrieved 2026-10-12. 1 EU countries have no value for August 2026 and are not ranked.

EU countries: more rankings