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): May 6th, 2026 4:00 AM

Latest Updates

Euro Area Bank Interest Rates: February 2026 2026-04-01 04:00
Composite cost-of-borrowing indicator for new loans to corporations unchanged at 3.57%; indicator for new loans to households for house purchase broadly unchanged at 3.35%.
- Composite interest rate for new deposits with agreed maturity from corporations decreased by 4 basis points to 1.91%; interest rate for overnight deposits from corporations unchanged at 0.52%.
- Composite interest rate for new deposits with agreed maturity from households broadly unchanged at 1.82%; interest rate for overnight deposits from households unchanged at 0.25%.
Source
Composite cost-of-borrowing indicator for new loans to corporations increased by 7 basis points to 3.57%; indicator for new loans to households for house purchase broadly unchanged at 3.32%.
- Composite interest rate for new deposits with agreed maturity from corporations broadly unchanged at 1.95%; interest rate for overnight deposits from corporations unchanged at 0.52%.
- Composite interest rate for new deposits with agreed maturity from households increased by 5 basis points to 1.85%, driven by both interest rate and weight effects; interest rate for overnight deposits from households unchanged at 0.25%.
Source
Composite cost-of-borrowing indicator for new loans to corporations and for new loans to households for house purchase broadly unchanged at 3.50% and 3.30%, respectively.
- Composite interest rate for new deposits with agreed maturity from corporations broadly unchanged at 1.93%; interest rate for overnight deposits from corporations broadly unchanged at 0.52%.
- Composite interest rate for new deposits with agreed maturity from households and for overnight deposits from households unchanged at 1.80% and 0.25%, respectively.
Source
Composite cost-of-borrowing indicator for new loans to corporations broadly unchanged at 3.51%; indicator for new loans to households for house purchase unchanged at 3.31%
- Composite interest rate for new deposits with agreed maturity from corporations broadly unchanged at 1.92%; interest rate for overnight deposits from corporations unchanged at 0.52%
- Composite interest rate for new deposits with agreed maturity from households broadly unchanged at 1.81%; interest rate for overnight deposits from households unchanged at 0.25%
Source
Composite cost-of-borrowing indicator for new loans to corporations increased by 4 basis points to 3.49%; indicator for new loans to households for house purchase unchanged at 3.31%
- Composite interest rate for new deposits with agreed maturity from corporations and for overnight deposits from corporations broadly unchanged at 1.91% and 0.52%, respectively
- Composite interest rate for new deposits with agreed maturity from households broadly unchanged at 1.78%; interest rate for overnight deposits from households unchanged at 0.25%
Source
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