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%.