# EU countries by outstanding household housing loan rate, August 2026

All 20 values come from European Central Bank for 2026-08, so the places are comparable. 1 EU countries have no value for that period and are not ranked.

- Indicator id: `ecb_housing_outstanding_loan_rate`
- Unit: %
- Definition: Annualised interest rate reported monthly on the outstanding stock of euro loans to households for house purchase.
- Source: 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)
- Publisher page: https://invokely.ai/en/publishers/european-central-bank
- Retrieved: 2026-10-12
- Citation: 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.
- Web page: https://invokely.ai/rankings/outstanding-housing-loan-rate/eu-countries

| Rank | Place | % |
|---:|---|---:|
| 1 | Latvia | 4.57 |
| 2 | Estonia | 4.34 |
| 3 | Lithuania | 4.26 |
| 4 | Cyprus | 3.56 |
| 5 | Ireland | 3.5 |
| 6 | Portugal | 3.21 |
| 7 | Slovakia | 3.13 |
| 8 | Slovenia | 3.05 |
| 9 | Finland | 3.04 |
| 10 | Croatia | 3.01 |
| 11 | Spain | 2.88 |
| 12 | Austria | 2.87 |
| 12 | Netherlands | 2.87 |
| 14 | Italy | 2.83 |
| 15 | Luxembourg | 2.76 |
| 16 | Bulgaria | 2.65 |
| 17 | Belgium | 2.52 |
| 18 | Malta | 2.42 |
| 19 | Germany | 2.4 |
| 20 | France | 1.99 |