Euro area: Mortgage credit interest rate
* indicates monthly or quarterly data series
The most recent value is 2.42 percent as of December 2025, an increase compared to the previous value of 2.41 percent. Historically, the average for Euro area from January 2003 to December 2025 is 3.33 percent. The minimum of 1.61 percent was recorded in January 2022, while the maximum of 5.6 percent was reached in January 2003.
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* indicates monthly or quarterly data series
- Measure: percent
- Definition: The mortgage credit interest rate is the average interest rate on mortgage loan products offered to individuals and households by the commercial banks in the country. The mortgage credit is a loan used to finance the purchase of real estate.
- Source: European Central Bank
| Recent values | Euro area: Mortgage credit interest rate, percent |
|---|---|
| 2025 Dec | 2.42 |
| 2025 Nov | 2.41 |
| 2025 Oct | 2.4 |
| 2025 Sep | 2.4 |
| 2025 Aug | 2.38 |
| 2025 Jul | 2.38 |
| 2025 Jun | 2.4 |
| 2025 May | 2.4 |
Download data from our database Other resources: All indicators for Euro area All indicators on the website Article: Are trade deficits bad for the economy? Article: Sources of economic growth Article: Currency values and investment returns All articles
| Related indicators | Latest | Reference | Measure |
|---|---|---|---|
| USD exchange rate | 0.8689 | 9/2026 | Local Currency Units per USD |
| Money supply (broad money) | 16,411.01 | 6/2026 | billion |
| Consumer Price Index (CPI) | 104.3000 | 9/2026 | index points |
| Inflation, monthly | 0.59 | 9/2026 | percent |
| Inflation, annual | 3.76 | 9/2026 | percent |
| Alcohol and tobacco inflation | 3.40 | Q2/2026 | percent |
| Transport services inflation | 6.80 | Q2/2026 | percent |
| Services inflation | 3.00 | Q2/2026 | percent |
| Housing inflation | 2.70 | Q2/2026 | percent |
| Private sector credit | 12,705.44 | 6/2026 | billion |
| Business credit | 5,480.30 | 6/2026 | billion |
| Household credit | 7,225.14 | 6/2026 | billion |
| Mortgage credit | 5,709.91 | 6/2026 | billion |
| Consumer credit | 1,515.22 | 6/2026 | billion |
| Deposit interest rate | 2.03 | 6/2026 | percent |
| Business credit interest rate | 3.32 | 12/2025 | percent |
| Mortgage credit interest rate | 2.42 | 12/2025 | percent |
| Policy rate | 2.25 | 8/2026 | percent |