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%.