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%.