Euro Area Bank Interest Rate Statistics

Data Monetary Policy

Source: European Central Bank
Source Link: https://www.ecb.europa.eu/
Frequency: Monthly
Next Release(s): December 3rd, 2025 4:00 AM

Latest Updates

Euro Area Bank Interest Rates: September 2025 2025-10-31 04:00
The composite cost-of-borrowing indicator for new euro area corporate loans fell -6 bps to 3.46% in August 2025, while household housing loan rates were broadly stable at 3.31%.
- Corporate loans >€1m with ≤3M fixation dropped sharply by -17 bps to 3.07%, while those with >3M–1Y fixation fell -6 bps to 3.35%.
- Corporate loans >€1m with >10Y fixation remained stable at 3.55%, showing limited change in long-term borrowing costs.
- Smaller corporate loans ≤€250k with ≤3M fixation rose +7 bps to 3.59%, reflecting both interest rate adjustments and weight effects.
- Loans to sole proprietors with ≤1Y fixation were steady at 3.95%, maintaining stability for small business borrowing.
- Corporate deposits with ≤1Y maturity (1.88%) and overnight deposits (0.51%) were unchanged, indicating stable short-term funding costs.
- Household housing loans showed little movement: ≤1Y fixation stayed at 3.59%, >1–5Y at 3.41%, and >5–10Y at 3.46%, while >10Y loans ticked up +6 bps to 3.18%.
- Household consumption loans rose +5 bps to 7.51%, marking a continued upward trend in consumer borrowing costs.
- Household deposits were broadly stable: ≤1Y maturity at 1.71%, overnight at 0.25%, though deposits redeemable at 3M notice fell -21 bps to 1.22%.
Source
The composite cost-of-borrowing indicator for new euro area corporate loans fell -8 bps to 3.52% in July 2025, while household housing loan rates held broadly steady at 3.28%.
- Corporate loans >€1m with ≤3M fixation declined -4 bps to 3.24%, while those with >10Y fixation were stable at 3.56%; smaller loans ≤€250k with ≤3M fixation dropped sharply by -18 bps to 3.52%.
- New loans to sole proprietors with ≤1Y fixation were broadly unchanged at 3.95%, showing relative stability in small business borrowing costs.
- Corporate deposits with ≤1Y maturity fell -5 bps to 1.88%, while overnight deposit rates remained stable at 0.51%.
- Household housing loans with ≤1Y fixation declined -5 bps to 3.56%, while rates on 5–10Y and >10Y fixation stayed flat at 3.45% and 3.12%, respectively.
- Household deposits with ≤1Y maturity decreased -5 bps to 1.72%, while overnight deposits were steady at 0.25%; consumption loan rates rose +5 bps to 7.46%.
Source
The composite cost-of-borrowing indicator for new loans to euro area corporations fell -5 bps to 3.61% in June 2025, while the rate for new household housing loans was unchanged at 3.30%.
- Corporate loans over €1 million with >10Y fixation dropped -17 bps to 3.54%; loans ≤€250k with ≤3M fixation fell -7 bps to 3.71%.
- Loans to sole proprietors with ≤1Y fixation declined -14 bps to 3.97%.
- Corporate deposits with ≤1Y maturity dropped -12 bps to 1.93%; overnight deposits fell -5 bps to 0.53%.
- Household housing loans with floating rates (≤1Y fixation) declined -9 bps to 3.61%; loans for consumption fell -13 bps to 7.40%.
- Household deposits with ≤1Y maturity dropped -7 bps to 1.77%; overnight deposit rates held at 0.27%.
Source
The composite cost-of-borrowing indicator for new loans to euro area corporations fell -15 bps to 3.65% in May 2025, while the indicator for new household housing loans held steady at 3.30%.
- Corporate loans over €1 million with floating rates (≤3-month fixation) dropped -29 bps to 3.26%; loans ≤€250k fell -13 bps to 3.78%.
- Rates on corporate deposits with agreed maturity (≤1 year) declined -10 bps to 2.05%, while overnight deposit rates held at 0.58%.
- Housing loans with floating rates (≤1 year fixation) fell -15 bps to 3.70%, while 5–10 year fixation loans rose +13 bps to 3.45%.
- Household deposit rates (≤1 year maturity) dropped -11 bps to 1.84%; redeemable-at-notice (3-month) deposits declined -5 bps to 1.45%.
- Consumption loan rates for households remained unchanged at 7.53%.
Source
The composite cost-of-borrowing indicator for new loans to corporations fell -14 bps to 3.79% in April 2025, while the indicator for new housing loans to households dropped -5 bps to 3.27%.
- Corporate loan rates for amounts over €1 million with 3–12 month fixation periods fell -13 to -27 bps; loans up to €250k dropped -12 bps to 3.90%.
- Household mortgage rates with 5–10 year fixation dropped -4 bps to 3.32%, and >10 year loans fell -7 bps to 3.03%.
- Corporate deposit rates (≤1 year maturity) declined -17 bps to 2.15%, while overnight deposit rates dropped -7 bps to 0.60%.
- Household deposit rates (≤1 year maturity) decreased -13 bps to 1.96%; overnight rates were steady at 0.29%.
- Consumption loan rates for households held flat at 7.52%.
Source
The cost-of-borrowing indicator for new corporate loans fell -19 bps to 3.93% in March, the lowest since January 2023.
- The cost-of-borrowing indicator for new mortgages for households was unchanged at 3.32%.
- Composite interest rate for new deposits with agreed maturity from corporations decreased by -17 bps to 2.33%; interest rate for overnight deposits from corporations decreased by -5 bps to 0.67%.
- Composite interest rate for new deposits with agreed maturity from households decreased by -10 bps to 2.11%; interest rate for overnight deposits from households broadly unchanged at 0.31%.
Source
The composite cost-of-borrowing indicator for euro area firms fell -15 bps to 4.10% in February.
- The cost-of-borrowing indicator for mortgages in the euro area increased 8 bps to 3.33%.
- The interest rate for firms’ new deposits with agreed maturity and overnight deposits both decreased, down -16 bps to 2.50% and -4 bps to 0.72%, respectively.
- The interest rate for households new deposits with agreed maturity fell -13 bps to 2.21%, but the rate on overnight deposits was unchanged at 0.32%.
Source
Interest rates in the euro area continued to decline going into the new year.
- The composite cost-of-borrowing indicator for corporate loans fell -12 bps to 4.24%.
- The composite cost-of-borrowing indicator for mortgages fell -14 bps to 3.25%.
- The rate on new deposits for firms fell -14 bps to 2.66%, and for households, fell -11 bps to 2.34%.
Source
The euro area ended 2024 with interest rates falling substantially due to ECB rate cuts.
- The composite cost-of-borrowing indicator for corporate loans fell -16 bps to 4.36% and for household mortgages fell -8 bps to 3.39%.
- The corporate composite rate for new deposits with agreed maturity fell -12 bps to 2.80%, and overnight deposit rates fell by -4 bps to 0.77%.
- The household composite rate for new deposits with agreed maturity fell -15 bps to 2.45%, and overnight deposit rates were unchanged at 0.35%.
- New loan volumes are on the rise in response. The total volume of new €1 million+ loans with a floating rate and an initial rate fixation period jumped around €45 billion to €153.0 billion in December vs November.
- While rates fell for households. the increase in household loan volumes was lower. The total volume of new mortgage loans was only up €0.18 billion to €58.34 billion
Source
The ECB’s composite cost-of-borrowing indicator for new corporate loans fell -15 bps to 4.52%, and for loans for household home purchases fell -8 bps to 3.47%.
- Interest rates on new deposits (with agreed maturity) for corporations fell -17 bps to 2.89% and for households fell -12 bps to 2.61%.
- These indicators are broadly starting to react to rate cuts by the ECB in the last few months.
Source