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%.