Eurozone Interest Rate

Name: Eurozone Interest Rate
Creator: European Central Bank (ECB Data Portal)
License: https://creativecommons.org/licenses/by/4.0/

Monthly bank deposit and lending interest rates in the euro area, weighted averages on new business.

Source: European Central Bank (ECB Data Portal)Last updated: Sep 04, 2026, 11:39Curated by Bui Thanh PhucAbout this data ↓

Indicator	07-2026	06-2026	05-2026	04-2026	03-2026	02-2026	01-2026	12-2025	11-2025	10-2025	09-2025	08-2025	07-2025	06-2025	05-2025	04-2025	03-2025	02-2025	01-2025	12-2024	11-2024	10-2024	09-2024	08-2024	07-2024	06-2024	05-2024	04-2024	03-2024	02-2024	01-2024	12-2023	11-2023	10-2023	09-2023	08-2023	07-2023
Household term deposits22
Euro area	2.14	2.09	1.96	1.91	1.86	1.83	1.82	1.81	1.8	1.8	1.78	1.75	1.76	1.8	1.87	1.97	2.1	2.2	2.33	2.45	2.6	2.73	2.98	2.96	3	3.03	3.09	3.11	3.16	3.17	3.2	3.29	3.32	3.27	3.08	3.05	2.85
Germany	2.28	2.22	2.06	1.99	1.93	1.89	1.89	1.84	1.83	1.83	1.8	1.79	1.76	1.81	1.88	1.96	2.11	2.2	2.35	2.46	2.61	2.73	2.89	3	3.06	3.08	3.17	3.17	3.22	3.23	3.24	3.34	3.43	3.39	3.22	3.11	2.92
France	2.46	2.38	2.3	2.3	2.18	2.15	2.13	2.09	2.09	2.03	2.01	2.03	2.08	2.12	2.15	2.24	2.34	2.47	2.59	2.71	2.78	2.99	3.16	3.28	3.36	3.4	3.47	3.58	3.59	3.61	3.65	3.79	3.76	3.73	3.6	3.56	3.5
Italy	2.47	2.26	2.32	2.28	2.29	2.29	2.25	2.24	2.32	2.29	2.28	2.14	2.23	2.25	2.35	2.53	2.69	2.8	2.78	2.97	3.41	3.63	3.52	3.31	3.31	3.41	3.43	3.52	3.75	3.7	3.76	3.9	3.86	3.8	3.54	3.36	3.29
Spain	2.01	1.92	1.83	1.77	1.75	1.74	1.67	1.68	1.64	1.76	1.66	1.62	1.62	1.64	1.72	1.84	1.93	1.99	2.05	2.1	2.15	2.2	2.39	2.55	2.62	2.65	2.59	2.53	2.49	2.38	2.42	2.58	2.57	2.44	2.34	2.32	2.36
Netherlands	2.55	2.53	2.5	2.45	2.4	2.31	2.25	2.27	2.32	2.34	2.37	2.39	2.47	2.3	2.37	2.45	2.4	2.37	2.48	2.49	2.63	2.69	2.8	2.91	2.89	2.84	2.93	3.01	2.96	3.02	2.98	2.89	2.99	2.95	2.86	2.79	2.69
Belgium	2.08	2.06	1.88	1.83	1.77	1.7	1.69	1.71	1.71	1.72	1.73	1.63	1.62	1.65	1.82	1.92	2.09	2.25	2.41	2.53	2.69	2.84	3.54	3.21	3.26	3.27	3.41	3.42	3.43	3.41	3.43	3.5	3.5	3.51	3.46	3.63	3.12
Ireland	1.92	1.86	1.81	1.85	1.85	1.84	1.85	1.86	1.86	1.87	1.93	1.86	1.88	1.87	1.97	1.95	2.26	2.33	2.28	2.45	2.6	2.64	2.63	2.62	2.77	2.75	2.68	2.65	2.51	2.59	2.51	2.73	2.62	2.59	2.54	2.09	1.89
Austria	2.1	2	1.78	1.74	1.63	1.59	1.63	1.62	1.69	1.7	1.58	1.57	1.64	1.72	1.79	1.89	2	2.06	2.23	2.43	2.58	2.75	2.83	2.91	3.03	3.05	3.07	3.25	3.2	3.16	3.18	3.26	3.5	3.52	3.09	2.94	2.85
Finland	2.58	2.54	2.46	2.41	2.37	2.15	2.15	2.16	2.16	2.11	2.09	2.06	2.08	2.15	2.22	2.52	2.41	2.52	2.65	2.78	2.96	3.15	3.28	3.36	3.5	3.55	3.55	3.52	3.53	3.46	3.41	3.43	3.44	3.35	3.2	3	2.94
Portugal	1.59	1.55	1.49	1.44	1.42	1.36	1.34	1.36	1.37	1.37	1.34	1.34	1.39	1.43	1.49	1.64	1.69	1.83	1.98	2.16	2.28	2.39	2.54	2.56	2.63	2.66	2.72	2.75	2.77	2.81	2.91	3.08	2.98	2.93	2.29	1.92	1.81
Greece	1.27	1.21	1.15	1.14	1.11	1.13	1.14	1.09	1.14	1.14	1.17	1.12	1.16	1.2	1.26	1.32	1.39	1.49	1.63	1.64	1.73	1.84	1.85	1.86	1.87	1.86	1.83	1.82	1.77	1.8	1.83	1.84	1.8	1.78	1.75	1.62	1.56
Slovakia	2.23	2.31	2.19	2.22	2.21	2.04	2.18	2.08	2.06	2.03	1.93	1.92	2.01	1.91	1.99	2.15	2.4	2.55	2.69	2.75	2.91	2.97	3.13	3.25	3.31	3.3	3.41	3.4	3.41	3.47	3.51	3.31	3.36	3.37	3.22	3.14	2.99
Bulgaria	1.65	1.58	1.33	1.3	1.2	1.09	1.05	1.24	1.44	1.4	1.31	1.09	1.42	1.03	1.13	1.41	1.43	1.31	1.48	1.49	1.44	1.68	1.77	1.78	1.53	1.66	1.46	1.2	1.17	1.07	1.06	1.41	1.22	1.12	1.04	1.3	1.29
Luxembourg	1.84	1.83	1.65	1.59	1.7	1.53	1.54	1.63	1.52	1.51	1.6	1.52	1.61	1.47	1.71	1.87	2.06	2.22	2.38	2.49	2.71	2.76	3	3.16	3.13	3.24	3.4	3.39	3.39	3.45	3.46	3.42	3.4	3.37	3.3	3.27	3.01
Croatia	1.42	1.55	1.45	1.34	1.67	1.4	1.36	1.64	1.56	1.33	1.56	1.3	1.36	1.45	1.52	1.45	1.69	1.62	1.71	1.85	1.99	2.09	1.85	1.8	2.26	2.35	2.03	1.81	2.01	2.01	2.14	2.22	2.35	2.33	1.19	1.35	0.83
Lithuania	2.22	1.78	1.93	1.79	1.63	1.65	1.74	1.86	1.9	1.9	1.93	1.88	1.91	1.88	1.95	2.03	2.12	2.29	2.46	2.7	2.81	2.94	3	3.06	3.15	3.33	3.39	3.42	3.46	3.53	3.58	3.53	3.67	3.42	3.45	3.31	3.26
Slovenia	1.28	1.33	1.27	1.17	1.17	1.16	1.18	1.19	1.19	1.14	1.11	1.17	1.17	1.21	1.38	1.41	1.5	1.56	1.63	1.72	1.85	1.91	1.86	1.84	1.8	1.89	1.82	1.85	1.9	2	1.98	1.94	2.05	2.17	2.12	1.51	1.4
Latvia	2.32	2.33	2.25	2.07	2	2.1	2.03	1.98	1.91	1.87	1.99	1.91	1.82	1.93	1.94	2.07	2.11	2.29	2.42	2.59	2.62	2.88	3.07	3.18	3.11	3.01	3.14	3.09	3.08	3.37	3.54	3.51	3.61	3.34	3.47	3.34	3.05
Estonia	2.23	2.2	2.19	2.15	2.15	2.17	2.23	2.13	2.07	2.08	2.03	2.05	2.2	2.21	2.22	2.34	2.31	2.59	2.88	3.08	3.25	3.4	3.55	3.56	3.55	3.62	3.58	3.71	3.78	3.76	3.88	4.23	4.02	4.05	3.72	3.61	3.42
Cyprus	1.26	1.4	1.23	1.19	1.16	1.18	1.2	1.19	1.11	1.06	1.09	1.07	1.06	1.11	1.14	1.25	1.39	1.49	1.33	1.77	1.68	1.74	1.95	1.73	1.91	2.08	1.95	2.06	2.09	1.86	1.96	2.12	1.87	1.54	1.53	1.1	1.07
Malta	2.09	2.02	1.99	1.99	1.96	1.97	2.04	1.83	1.87	1.92	1.96	2	2.05	2.11	2.23	2.37	2.43	2.51	2.65	2.54	2.51	2.61	2.9	3.02	3.03	3.49	3.44	3.49	3.58	3.67	3.6	3.49	3.49	3.3	3.09	3.04	2.72
Corporate term deposits22
Euro area	2.26	2.21	2.04	2	1.96	1.91	1.91	1.95	1.93	1.9	1.91	1.89	1.89	1.94	2.06	2.16	2.33	2.5	2.67	2.8	2.92	3.06	3.28	3.41	3.48	3.54	3.65	3.67	3.68	3.64	3.7	3.72	3.72	3.71	3.59	3.42	3.32
Germany	2.26	2.17	2.02	1.97	1.93	1.89	1.88	1.89	1.89	1.88	1.91	1.91	1.9	1.91	2.04	2.16	2.36	2.54	2.72	2.85	2.98	3.14	3.34	3.45	3.51	3.55	3.71	3.74	3.74	3.69	3.71	3.7	3.73	3.74	3.64	3.5	3.35
France	2.52	2.47	2.25	2.21	2.17	2.14	2.09	2.18	2.13	2.13	2.11	2.08	2.16	2.18	2.3	2.39	2.57	2.76	2.95	3.07	3.17	3.31	3.57	3.7	3.75	3.81	3.93	3.93	3.91	3.95	3.99	4.09	4.07	4.02	3.95	3.75	3.69
Italy	2.33	2.29	2.09	2.13	2.01	1.93	1.87	1.98	1.94	1.91	1.95	1.88	1.86	1.95	2.06	2.17	2.37	2.5	2.59	2.82	2.87	3.07	3.23	3.29	3.51	3.53	3.54	3.62	3.62	3.61	3.67	3.69	3.8	3.71	3.57	3.42	3.28
Spain	2.09	2.06	2.04	1.95	1.94	1.8	1.89	1.93	1.97	1.81	1.9	1.83	1.75	1.97	1.91	1.93	2.17	2.27	2.43	2.73	2.67	2.85	3	2.89	3.17	3.24	3.38	3.19	3.4	3.16	3.58	3.52	3.53	3.46	3.28	3.11	3.11
Netherlands	2.21	2.19	2.01	1.97	1.94	1.87	1.87	1.83	1.84	1.82	1.81	1.82	1.82	1.82	1.98	2.03	2.17	2.26	2.42	2.36	2.71	2.81	2.99	3.56	3.5	3.59	3.73	3.76	3.61	3.57	3.57	3.36	3.37	3.38	3.23	3.02	2.93
Belgium	2.09	2.04	1.89	1.81	1.8	1.75	1.76	1.76	1.75	1.71	1.58	1.68	1.65	1.67	1.89	1.95	1.97	2.35	2.46	2.51	2.67	2.68	3.05	3.16	3.13	3.23	3.28	3.33	3.46	3.46	3.4	3.37	3.49	3.62	3.49	3.41	3.12
Ireland				1.66	1.69		1.71			1.68	1.66		1.62	1.66			2.11	2.2	2.36			2.76			3.24		3.54	3.46	3.33	3.45	3.36	3.69	3.5	3.7			3.41
Austria	2.17	2.12	1.92	1.9	1.86	1.83	1.83	1.86	1.74	1.78	1.8	1.77	1.78	1.82	1.99	2.05	2.24	2.45	2.62	2.69	2.9	3.05	3.32	3.41	3.45	3.53	3.61	3.67	3.7	3.71	3.69	3.72	3.78	3.8	3.68	3.51	3.36
Finland		2.31	2.02		1.96	1.91	1.95	1.97	1.97	1.92	1.92	1.89	1.82	1.93	2.06	2.2	2.41	2.53	2.72	2.82		3.03	3.34	3.33	3.47	3.63	3.72	3.78	3.81	3.74	3.67	3.56	3.75	3.69	3.74	3.55	3.42
Portugal	1.98	1.95	1.89	1.83	1.79	1.69	1.69	1.74	1.66	1.68	1.66	1.62	1.66	1.71	1.83	2.01	2.16	2.29	2.44	2.65	2.7	2.75	3.02	3.07	3.1	3.27	3.3	3.39	3.38	3.32	3.42	3.46	3.4	3.31	3.08	2.94	2.99
Greece	2.02	1.91	1.96	1.76	1.75	1.71	1.72	1.71	1.68	1.72	1.69	1.62	1.69	1.72	1.84	1.98	2.15	2.16	2.32	2.55	2.55	2.76	2.98	2.97	3.1	3.15	3.17	3.18	3.21	3.19	3.18	3.24	3.13	3.05	2.84	2.69	2.7
Slovakia	2.29	2.19	2.05	2.02	2.03	1.98	2.01	2.03	1.99	1.97	1.95	1.94	1.91	1.98	2.18	2.25	2.41	2.56	2.77	2.89	3.02	3.06	3.37	3.51	3.58	3.6	3.71	3.71	3.73	3.72	3.74	3.68	3.75	3.71	3.72	3.47	3.26
Bulgaria	1.41	1.61	1.48	1.17	1.1	1.47	1.26	1.43	1.63	1.72	1.66	1.44	1.48	1.65	1.66	1.87	1.84	1.93	2.44	2.03	2.31	2.16	2.36	2.67	2.56	2.43	2.62	2.5	2.55	2.66	2.87	2.88	3.1	2.12	2.12	2.12	1.67
Luxembourg	2.23	2.19	2.01	1.94	1.99	1.84	1.76	1.72	1.83	1.92	1.91	1.75	1.83	1.8	1.96	2.09	2.31	2.46	2.65	2.7	2.86	3.04	3.24	3.32	3.41	3.49	3.61	3.69	3.69	3.71	3.68	3.73	3.73	3.77	3.61	3.42	3.34
Croatia	2.03	1.96	1.84	1.83	1.82	1.8	1.81	1.82	1.8	1.79	1.77	1.79	1.79	1.8	1.98	2.06	2.24	2.42	2.62	2.72	2.88	2.95	3.13	3.28	3.3	3.35	3.51	3.48	3.43	3.4	3.41	3.36	3.39	3.27	3.15	2.97	2.76
Lithuania	2.13	2.06	1.88	1.97	1.83	1.81	1.87	1.91	1.77	1.88	1.79	1.92	1.89	1.84	1.96	2.12	2.26	2.38	2.56	2.63	2.74	2.94	2.99	3.18	3.29	3.4	3.53	3.5	3.45	3.55	3.43	3.41	3.54	3.59	3.48	3.22	3.16
Slovenia	1.84	1.74	1.68	1.61	1.61	1.5	1.49	1.43	1.56	1.36	1.48	1.47	1.35	1.34	1.52	1.57	1.77	1.86	1.85	2.1	2.25	2.38	2.46	2.6	2.72	2.57	2.84	2.55	2.75	2.76	2.71	2.08	2.53	2.63	2.58	2.9	2.06
Latvia	2.21	2.22	1.93	1.87	1.9	1.86	1.89	1.69	1.79	1.74	1.58	1.79	1.75	1.72	1.78	2.06	2.21	2.34	2.46	2.62	2.72	2.85	3.01	3.13	3.24	3.4	3.22	3.36	3.41	3.28	3.38	3.42	3.42	3.19	3.33	3.15	2.93
Estonia	2.17	2.15	1.94	1.93	1.99	1.98	2.01	2.07	2.06	2.04	1.95	1.82	2.05	2.14	2.25	2.41	2.33	2.57	2.76	3.04	3.14	3.42	3.55	3.54	3.66		3.64	3.68	3.78	3.77	3.9	4.21	3.88	3.64	3.44	3.05	3.27
Cyprus	1.51	1.41	1.26	1.22	1.35	1.13	1.31	1.23	0.89	1.03	1.18	1.09	1.26	1.01	1.2	1.37	1.02	1.52	1.7	1.69	1.88	2.15	2.1	2.3	2.24	2.29	2.22	1.77	2.17	2.44	2.11	2.13	2.34	1.62	1.97	1.68	1.64
Malta	2.15	1.75	2.02	1.99	2.05	1.97	1.87	1.88	1.84	1.53	1.69	2.18	1.58	1.48	1.82	1.79	1.77	2.12	2.58	2.71	2.64	2.84	3.09	2.55	2.33	2.95	2.8	2.65	3.23	2.81	2.77	2.54	2.74	2.7	2.49	1.95	1.93
Household house purchase loans22
Euro area	3.52	3.48	3.45	3.43	3.35	3.37	3.36	3.3	3.3	3.3	3.32	3.33	3.28	3.29	3.3	3.26	3.31	3.33	3.14	3.35	3.44	3.5	3.59	3.69	3.7	3.73	3.76	3.77	3.77	3.83	3.86	4.01	4.06	3.99	3.95	3.9	3.8
Germany	3.93	3.95	3.93	3.84	3.72	3.77	3.77	3.71	3.7	3.71	3.74	3.71	3.68	3.68	3.66	3.69	3.6	3.58	3.52	3.56	3.59	3.65	3.73	3.83	3.92	3.95	3.91	3.86	3.83	3.88	3.85	4.05	4.22	4.18	4.12	4.14	4.02
France	3.18	3.16	3.1	3.11	3.1	3.1	3.05	2.99	3	2.98	2.99	3.01	3	3	3.02	3.02	3.05	3.01	3.12	3.14	3.17	3.27	3.33	3.37	3.41	3.44	3.49	3.49	3.5	3.51	3.59	3.6	3.52	3.43	3.36	3.31	3.16
Italy	3.4	3.49	3.5	3.47	3.37	3.44	3.45	3.38	3.3	3.31	3.28	3.28	3.2	3.19	3.17	3.27	3.14	3.18	3.12	3.11	3.23	3.27	3.31	3.59	3.44	3.55	3.61	3.68	3.79	3.89	3.98	4.42	4.5	4.35	4.21	4.29	4.19
Spain	2.89	2.89	2.85	2.8	2.75	2.75	2.68	2.61	2.63	2.67	2.66	2.68	2.63	2.68	2.71	2.75	2.8	2.87	2.89	2.9	3.04	3.2	3.26	3.38	3.33	3.37	3.47	3.5	3.47	3.62	3.61	3.78	3.85	3.94	3.92	3.93	3.84
Netherlands	3.87	3.73	3.67	3.64	3.48	3.56	3.51	3.52	3.48	3.5	3.5	3.49	3.51	3.59	3.51	3.04	3.46	3.55	2.77	3.65	3.71	3.73	3.85	3.84	3.88	3.8	3.79	3.84	3.79	3.9	4.04	4.13	4.13	3.82	4.05	3.98	3.95
Belgium	3.64	3.59	3.55	3.52	3.43	3.47	3.45	3.45	3.38	3.37	3.36	3.29	3.27	3.24	3.19	3.15	3.07	3.09	3.05	3.16	3.19	3.28	3.34	3.4	3.41	3.43	3.44	3.42	3.51	3.67	3.66	3.9	3.81	3.78	3.73	3.69	3.62
Ireland	3.41	3.41	3.41	3.43	3.44	3.44	3.44	3.46	3.51	3.53	3.55	3.55	3.57	3.58	3.58	3.67	3.69	3.7	3.73	3.73	3.94	3.86	3.99	4.08	4.08	4.08	4.12	4.23	4.28	4.28	4.25	4.19	4.24	4.24	4.21	4.08	4.03
Austria	3.54	3.54	3.51	3.48	3.45	3.43	3.43	3.38	3.37	3.38	3.38	3.35	3.35	3.38	3.41	3.42	3.43	3.45	3.45	3.62	3.64	3.67	3.88	3.9	3.94	3.98	3.99	3.98	4.08	4.05	4.02	4.16	4.17	4.17	3.85	3.9	4.17
Finland	3.18	3.1	3.07	3.03	2.97	2.77	2.78	2.82	2.81	2.78	2.78	2.77	2.76	2.74	2.81	2.86	3.09	3.13	3.23	3.21	3.31	3.45	3.67	3.85	4.1	4.17	4.2	4.2	4.21	4.19	4.12	4.28	4.39	4.43	4.37	4.25	4.15
Portugal	2.96	2.94	2.89	2.85	2.81	2.83	2.84	2.85	2.82	2.85	2.86	2.88	2.89	2.92	2.97	3.06	3.12	3.17	3.23	3.2	3.29	3.4	3.47	3.53	3.68	3.73	3.8	3.84	3.88	3.96	4.08	4.18	4.28	4.31	4.31	4.25	4.2
Greece	3.27	3.23	3.28	3.32	3.39	3.45	3.49	3.43	3.49	3.51	3.55	3.58	3.52	3.59	3.68	3.63	3.65	3.63	3.78	3.65	3.72	3.77	3.83	3.87	3.87	4.12	4.15	4.33	4.25	4.53	4.58	4.36	4.44	4.49	4.29	4.22	4.22
Slovakia	3.7	3.66	3.58	3.46	3.36	3.37	3.38	3.4	3.41	3.46	3.53	3.57	3.59	3.64	3.66	3.74	3.81	3.84	3.86	3.92	4.01	4.09	4.14	4.18	4.19	4.23	4.21	4.15	4.18	4.12	3.97	4.01	4.06	4.01	3.92	3.95	3.91
Bulgaria	2.43	2.41	2.43	2.45	2.45	2.47	2.46	2.43	2.4	2.49	2.55	2.81	2.71	2.85	3.06	2.61	2.89	2.69	2.86	2.78	2.76	3.06	3.08	2.96	2.92	3.02	3.04	2.81	3.06	2.89	3.02	2.86	3.06	3.25	3.51	3.25	3.88
Luxembourg	3.49	3.53	3.52	3.49	3.41	3.41	3.31	3.42	3.35	3.36	3.29	3.28	3.32	3.36	3.42	3.46	3.56	3.55	3.55	3.52	3.69	3.77	3.81	3.98	3.95	4.04	4.06	4.11	4.11	4.19	4.32	4.53	4.43	4.33	4.31	4.35	4.28
Croatia	2.91	2.9	2.92	2.95	2.99	3.05	3.03	3.04	3.02	3.03	3	2.98	2.98	2.93	2.91	2.91	2.94	3.17	3.6	3.7	3.72	3.72	3.73	3.76	3.75	3.74	3.74	3.76	3.77	3.72	3.64	3.6	3.64	3.6	3.54	3.46	3.25
Lithuania	4.09	4.04	3.96	3.88	3.79	3.67	3.67	3.69	3.68	3.65	3.66	3.69	3.7	3.76	3.94	4.04	4.2	4.28	4.35	4.36	4.54	4.76	5.02	5.17	5.36	5.44	5.5	5.58	5.67	5.73	5.71	5.62	5.85	5.89	5.8	5.75	5.7
Slovenia	3.2	3.15	3.07	2.99	2.93	2.91	2.88	2.86	2.84	2.8	2.83	2.81	2.86	2.86	2.91	2.92	2.99	3.03	3.13	3.18	3.23	3.34	3.44	3.49	3.61	3.68	3.68	3.76	3.81	3.88	3.94	3.96	3.99	4	4.03	4.05	4.07
Latvia	4.37	4.29	4.26	4.18	4.05	3.93	3.89	3.74	3.77	3.87	3.91	3.96	3.98	3.99	4.1	4.2	4.26	4.38	4.44	4.4	4.66	4.86	5.21	5.41	5.68	5.65	5.74	5.95	5.96	5.85	5.88	5.82	5.89	5.89	5.82	5.82	5.71
Estonia	4.25	4.14	4.12	4.05	3.88	3.77	3.8	3.73	3.76	3.75	3.75	3.78	3.79	3.81	3.93	4.06	4.25	4.31	4.44	4.5	4.73	4.97	5.2	5.42	5.53	5.6	5.67	5.72	5.8	5.85	5.91	5.86	6.05	6.32	5.94	5.83	5.78
Cyprus	3.24	3.23	3.22	3.18	3.15	3.06	3.12	3.12	3	3.07	3.03	3.08	3.08	3.26	3.25	3.33	3.53	3.51	3.87	4.3	4.09	4.29	4.27	4.54	4.33	4.33	4.35	4.49	4.59	4.88	4.99	5.01	5.37	5.07	4.76	4.85	4.43
Malta	1.94	1.95	2.02	2.09	2.04	2.08	1.97	2.03	1.99	1.98	1.89	1.88	1.81	1.84	1.86	1.79	1.91	1.81	1.7	1.88	1.79	1.81	1.85	1.84	2.05	1.97	2.01	2.05	2.05	2.04	2.03	2.06	1.96	2.02	1.93	1.96	1.97
Non-financial corporate loans22
Euro area	3.72	3.73	3.57	3.54	3.5	3.41	3.48	3.5	3.41	3.41	3.38	3.33	3.43	3.48	3.54	3.68	3.81	4	4.13	4.23	4.4	4.56	4.68	4.93	4.96	5	5.02	5.11	5.13	5.05	5.11	5.17	5.2	5.25	5.07	5.01	4.93
Germany	3.78	3.79	3.48	3.55	3.58	3.35	3.47	3.48	3.34	3.37	3.33	3.23	3.36	3.49	3.49	3.66	3.77	4.13	4.24	4.27	4.45	4.68	4.68	5.02	4.98	5.06	5.1	5.2	5.2	5.06	5.16	5.19	5.17	5.39	5.16	5.11	5.06
France	3.61	3.71	3.54	3.56	3.54	3.52	3.5	3.56	3.47	3.45	3.46	3.4	3.55	3.56	3.57	3.73	3.83	3.84	4.11	4.19	4.23	4.4	4.51	4.64	4.75	4.74	4.5	4.82	4.82	4.87	4.82	4.87	4.92	4.86	4.63	4.54	4.64
Italy	3.79	3.7	3.67	3.56	3.38	3.33	3.53	3.59	3.52	3.53	3.38	3.39	3.5	3.6	3.66	3.76	3.92	3.99	4.13	4.4	4.53	4.7	4.9	5.13	5.28	5.26	5.38	5.3	5.26	5.34	5.48	5.45	5.59	5.46	5.35	5.01	5.09
Spain	3.68	3.53	3.48	3.41	3.24	3.27	3.33	3.28	3.31	3.22	3.19	3.24	3.27	3.17	3.36	3.47	3.53	3.89	3.87	4.03	4.23	4.32	4.56	4.79	4.76	4.87	5.05	5.01	4.99	5.02	5.03	5.13	5.21	5.21	5.07	5.1	4.84
Netherlands	3.22	3.61	3.6	3.39	3.37	3.59	3.49	3.42	3.21	3.28	3.32	3.4	3.48	3.29	3.43	3.62	3.74	3.64	3.73	3.99	4.3	4.22	4.34	4.56	4.6	4.55	4.25	4.42	4.57	4.25	4.33	4.67	4.46	4.62	4.38	4.53	4.43
Belgium	3.77	3.73	3.52	3.48	3.54	3.46	3.42	3.47	3.39	3.4	3.47	3.36	3.38	3.41	3.49	3.65	3.81	3.9	4.09	4.07	4.4	4.53	4.71	4.93	4.9	5.02	5.16	5.27	5.23	5.22	5.2	5.24	5.24	5.24	5.27	5.09	4.99
Ireland	5.35	5.22	4.97	4.96	5.09	4.7	4.77	4.45	4.56	5	4.84	4.58	4.82	4.89	4.67	5.41	5.92	5.66	5.05	5.56	5.19	5.07	4.08	5.69	6.4	5.52	5.83	6.45	6.51	6.09	6.01	5.69	6.04	5.84	5.66	5.78	5.78
Austria	3.74	3.7	3.55	3.57	3.63	3.56	3.47	3.51	3.41	3.59	3.57	3.5	3.49	3.67	3.72	3.81	3.95	4.12	4.09	4.16	4.32	4.65	4.64	4.73	4.94	4.77	4.93	5.21	5.01	5.08	5.03	5.05	5.1	5.07	4.96	5.03	4.8
Finland		3.59	3.54	3.79	3.81	3.32			3.54			3.63	3.73	3.51	3.71	3.69	4.12			4.17		4.32	4.74		5.22		5.42	5.39		5.44	5.36	5.25			5.34	5.07
Portugal	4.03	4.09	3.92	3.78	3.53	3.71	3.71	3.65	3.68	3.67	3.61	3.54	3.65	3.67	3.75	4.1	4.06	4.27	4.24	4.3	4.46	4.57	4.97	5.22	5.11	5.35	5.55	5.62	5.61	5.52	5.58	5.66	5.71	5.71	5.7	5.82	5.63
Greece	4.25	4.26				4.06		3.53	4.18			3.74	3.83	4.02	3.99	4.23			4.59	4.78	4.83	5.06				5.38	4.98				5.88				6.03	6.34	6.06
Slovakia	4.56	4.42	4.19	4.28	4.21	4.28	3.84	4.17	4.22	4.06	4.13	4.15	3.89	4.13	4.47	4.48	4.45	4.79	5.29	4.78	5.18	5.35	5.19	5.52	5.71	5.83	5.47	6.29	6.34	6.32	6.15	5.85	6.04	6.28	5.77	6.21	5.28
Bulgaria	4.15	4.5	4.15	4.4	4.18	4.26	4.3	4.6	3.97	4.34	4.25	4.12	4.2	4.67	4.73	4.1	4.81	4.49	4.71	5.01	4.83	5.24	5.72	5.26	4.28	5.91	5.5	5.49	5.91	5.72	4.94	5.79	5.78	5.69	6.14	5.73	5.68
Luxembourg	2.97		2.5	2.66	2.94	2.75			3.07	3.07		2.66	2.72			2.54			3.68	3.88	3.61	3.71	4.09	3.73		3.85	3.5			3.87		4.59	4.02	3.85	3.69	3.22	3.39
Croatia	3.53	3.57	3.26	3.48	3.58	3.43	3.39	3.52	3.33	3.43	3.24	3.62	3.29	3.53	3.56	3.69	3.71	3.96	4.35	4.33	4.49	4.43	4.81	4.72	4.91	5.17	5.16	5.06	5.04	5.21	5.12	5.29	5.17	5.21	4.89	4.98	4.8
Lithuania	4.83	4.89	5.02	4.81	4.58	4.37	4.63	4.49	4.86	4.47	4.48	4.93	4.55	4.53	4.73	4.58	4.98	5.16	5.63	5.31	5.48	5.62	5.93	6.21	6.41	6.44	6.65	6.31	6.4	6.43	6.54	6.41	6.67	7	6.58	6.66	6.27
Slovenia	4.06	3.89	4.08	3.68	3.4	3.95	3.9	3.71	3.26	3.65	3.97	3.92	3.72	3.28	3.7	4.46	4.14	4.61	4.1	4.26	4.51	4.75	5.09	4.87	4.8	5.31	5.48	5.4	5.1	5.56	5.28	5.47	5.32	5.69	5.23	4.94	5.04
Latvia			4.79		4.82	4.73								4.59		5.35		5.36	6.05	5.24		6.3			6.36		6.69	6.66	6.79	6.35	6.87			6.78	6.13		6.48
Estonia	5.21	4.96	4.67	4.89		4.37	4.52	4.6		4.47	4.45	4.36	4.23			5.2	5.13						6.74		6.92	6.35	6.87	6.71	7.26	7.25		7.11				6.6	6.33
Cyprus	4.04	4.04	3.89	3.87	3.99	3.87	4.08	4.2	4.29	3.58	3.7	4.12	3.91	3.89	4.08	4.11	3.44	4.26	4.51	4.79	4.64	4.72	4.95	5.36	5.37	5.42	5.26	5.55	5.5	5.99	5.73	5.62	5.99	6.09	5.51	5.76	5.71
Malta			4.28	4.9	4.86		4.47	4.83	4.89	4.64	4.32	4.42	4.56	5.01	4.69	4.61	5.11		3.93			5.05			5.01	5.02	5.58		5.16	4.26		4.89	5.15	5.67	4.56
Overnight deposits, non-financial corporations & households1
Euro area	0.38	0.38	0.35	0.35	0.35	0.34	0.33	0.34	0.33	0.34	0.34	0.33	0.33	0.35	0.38	0.39	0.42	0.45	0.47	0.48	0.5	0.51	0.53	0.54	0.53	0.54	0.55	0.55	0.55	0.54	0.54	0.52	0.51	0.49	0.46	0.41	0.37
Overnight deposits, non-financial corporations1
Euro area	0.6	0.59	0.53	0.54	0.54	0.52	0.52	0.52	0.52	0.53	0.52	0.51	0.51	0.53	0.58	0.6	0.67	0.72	0.76	0.77	0.81	0.82	0.88	0.9	0.87	0.87	0.91	0.91	0.91	0.9	0.89	0.84	0.83	0.8	0.75	0.66	0.61
Overnight deposits, households1
Euro area	0.28	0.28	0.27	0.26	0.26	0.25	0.25	0.25	0.25	0.25	0.25	0.25	0.25	0.27	0.29	0.29	0.31	0.32	0.34	0.35	0.35	0.36	0.37	0.38	0.38	0.38	0.39	0.39	0.39	0.38	0.39	0.37	0.36	0.35	0.33	0.31	0.27
Term deposits, non-financial corporations & households1
Euro area	2.22	2.16	2.01	1.97	1.92	1.88	1.88	1.9	1.88	1.87	1.86	1.83	1.85	1.89	1.99	2.1	2.25	2.4	2.55	2.68	2.8	2.94	3.17	3.24	3.31	3.36	3.46	3.47	3.5	3.46	3.5	3.57	3.57	3.55	3.43	3.28	3.16
Term deposits up to 1 year, non-financial corporations & households1
Euro area	2.19	2.14	1.99	1.95	1.91	1.86	1.86	1.88	1.86	1.85	1.85	1.82	1.83	1.87	1.98	2.09	2.25	2.4	2.56	2.69	2.82	2.95	3.17	3.26	3.33	3.38	3.48	3.5	3.53	3.49	3.53	3.57	3.58	3.56	3.44	3.3	3.17
Term deposits up to 1 year, non-financial corporations1
Euro area	2.24	2.19	2.03	1.99	1.95	1.9	1.9	1.93	1.91	1.89	1.9	1.88	1.88	1.93	2.05	2.15	2.32	2.5	2.67	2.8	2.93	3.06	3.28	3.42	3.48	3.54	3.66	3.67	3.68	3.65	3.71	3.7	3.71	3.7	3.59	3.42	3.3
Term deposits up to 1 year, households1
Euro area	2.1	2.03	1.92	1.87	1.83	1.79	1.78	1.77	1.75	1.77	1.74	1.71	1.72	1.77	1.84	1.95	2.09	2.2	2.33	2.45	2.61	2.74	2.97	2.98	3.02	3.04	3.11	3.14	3.19	3.2	3.21	3.29	3.33	3.29	3.1	3.06	2.86
Term deposits 1-2 years, non-financial corporations & households1
Euro area	2.5	2.44	2.28	2.23	2.08	2.02	2.05	2.02	2.14	2	2.01	2.03	2.01	2.02	2.03	2.12	2.19	2.2	2.29	2.39	2.52	2.63	3.22	2.9	2.97	3.06	3.14	3.06	3.05	3.1	3.18	3.37	3.4	3.37	3.16	3.08	3.03
Term deposits 1-2 years, non-financial corporations1
Euro area	2.75	2.67	2.59	2.48	2.31	2.2	2.21	2.22	2.59	2.11	2.1	2.22	1.99	2.13	2.23	2.31	2.42	2.16	2.49	2.52	2.73	2.86	3.01	3.02	3.29	3.28	3.54	3.41	3.32	3.58	3.42	3.86	3.97	3.9	3.75	3.66	3.65
Term deposits 1-2 years, households1
Euro area	2.4	2.36	2.17	2.14	2.01	1.97	2	1.95	1.97	1.96	1.97	1.98	2.02	1.98	1.97	2.06	2.12	2.21	2.25	2.34	2.47	2.56	3.25	2.88	2.85	2.97	2.95	2.95	2.98	2.98	3.12	3.14	3.18	3.16	2.94	2.93	2.76
Term deposits over 2 years, non-financial corporations & households1
Euro area	2.67	2.58	2.44	2.5	2.35	2.27	2.33	2.34	2.26	2.27	2.2	2.2	2.3	2.33	2.33	2.43	2.34	2.48	2.45	2.61	2.56	2.72	2.79	2.81	2.93	3.12	3.11	3.02	3.11	3.18	3.21	3.7	3.56	3.47	3.39	3.22	3.14
Term deposits over 2 years, non-financial corporations1
Euro area	2.83	2.66	2.61	2.72	2.52	2.36	2.42	2.48	2.37	2.47	2.3	2.29	2.49	2.58	2.56	2.65	2.54	2.73	2.58	2.8	2.65	2.96	2.97	3.12	3.28	3.54	3.61	3.34	3.6	3.5	3.37	4.08	3.92	3.81	3.79	3.53	3.58
Term deposits over 2 years, households1
Euro area	2.57	2.55	2.37	2.4	2.27	2.24	2.3	2.27	2.21	2.16	2.14	2.16	2.19	2.19	2.21	2.28	2.23	2.35	2.41	2.5	2.52	2.63	2.73	2.69	2.77	2.84	2.81	2.89	2.91	3.07	3.15	3.46	3.41	3.31	3.12	3.11	2.87
Term deposits over 1 year, non-financial corporations & households1
Euro area	2.58	2.51	2.36	2.37	2.22	2.15	2.2	2.2	2.2	2.13	2.1	2.11	2.16	2.18	2.18	2.28	2.27	2.34	2.37	2.51	2.53	2.67	3.08	2.86	2.95	3.09	3.13	3.04	3.08	3.13	3.19	3.54	3.47	3.41	3.26	3.14	3.08
Term deposits over 1 year, non-financial corporations1
Euro area	2.8	2.66	2.6	2.61	2.43	2.29	2.32	2.38	2.48	2.31	2.21	2.26	2.28	2.37	2.42	2.53	2.49	2.51	2.54	2.68	2.69	2.91	2.99	3.08	3.29	3.43	3.57	3.37	3.48	3.54	3.39	3.98	3.95	3.86	3.77	3.59	3.62
Term deposits over 1 year, households1
Euro area	2.48	2.44	2.26	2.27	2.14	2.11	2.15	2.11	2.08	2.05	2.05	2.06	2.1	2.08	2.08	2.16	2.17	2.27	2.32	2.42	2.49	2.59	3.09	2.81	2.81	2.92	2.89	2.93	2.95	3.02	3.13	3.3	3.29	3.22	3.02	3.01	2.8
Term deposits up to 2 years, non-financial corporations & households1
Euro area	2.2	2.15	2	1.95	1.91	1.87	1.86	1.89	1.87	1.85	1.85	1.83	1.83	1.88	1.99	2.09	2.25	2.4	2.55	2.68	2.81	2.94	3.17	3.25	3.32	3.37	3.46	3.48	3.52	3.47	3.52	3.56	3.57	3.55	3.43	3.29	3.16
Term deposits up to 2 years, non-financial corporations1
Euro area	2.25	2.2	2.03	1.99	1.95	1.9	1.9	1.94	1.92	1.89	1.9	1.88	1.88	1.93	2.06	2.15	2.33	2.5	2.67	2.8	2.92	3.06	3.28	3.42	3.48	3.54	3.66	3.67	3.68	3.65	3.7	3.71	3.71	3.7	3.59	3.42	3.31
Term deposits up to 2 years, households1
Euro area	2.12	2.06	1.93	1.88	1.84	1.8	1.79	1.78	1.77	1.78	1.76	1.72	1.74	1.78	1.85	1.96	2.09	2.2	2.33	2.44	2.6	2.73	2.99	2.97	3.01	3.03	3.1	3.13	3.18	3.17	3.2	3.28	3.32	3.27	3.08	3.04	2.85
Redeemable at notice deposits, households1
Euro area	1.2	1.2	1.19	1.19	1.19	1.19	1.24	1.24	1.23	1.23	1.24	1.25	1.45	1.46	1.48	1.52	1.55	1.58	1.77	1.79	1.79	1.8	1.8	1.8	1.8	1.8	1.79	1.78	1.77	1.75	1.74	1.7	1.66	1.63	1.57	1.53	1.43
Redeemable at notice deposits up to 3 months, households1
Euro area	1.18	1.17	1.17	1.17	1.17	1.17	1.23	1.22	1.21	1.21	1.21	1.22	1.43	1.44	1.45	1.5	1.52	1.55	1.75	1.76	1.76	1.77	1.77	1.77	1.77	1.77	1.76	1.75	1.74	1.73	1.71	1.68	1.64	1.62	1.56	1.52	1.42
Redeemable at notice deposits over 3 months, households1
Euro area	1.75	1.71	1.66	1.63	1.62	1.62	1.62	1.63	1.64	1.66	1.74	1.78	1.8	1.88	1.94	2.04	2.1	2.15	2.21	2.26	2.34	2.41	2.45	2.48	2.5	2.5	2.51	2.49	2.47	2.44	2.42	2.36	2.29	2.18	2.03	1.89	1.76
Non-financial corporations loans, initial rate fixation up to 3 months1
Euro area	3.56	3.61	3.38	3.39	3.35	3.29	3.36	3.37	3.26	3.28	3.22	3.17	3.3	3.36	3.4	3.63	3.75	4.06	4.22	4.36	4.5	4.69	4.79	5.06	5.1	5.08	5.08	5.23	5.24	5.21	5.22	5.32	5.26	5.34	5.17	5.13	4.99
Non-financial corporations loans, initial rate fixation up to 1 year1
Euro area	3.65	3.67	3.47	3.46	3.43	3.32	3.41	3.43	3.31	3.32	3.29	3.23	3.36	3.41	3.46	3.64	3.79	4.03	4.18	4.32	4.48	4.64	4.76	5.03	5.1	5.1	5.1	5.22	5.25	5.19	5.21	5.29	5.28	5.33	5.17	5.13	5.02
Non-financial corporations loans, initial rate fixation over 5 to 10 years1
Euro area	4.01	3.9	3.9	3.78	3.79	3.76	3.72	3.7	3.72	3.67	3.7	3.71	3.62	3.65	3.7	3.77	3.75	3.72	3.79	3.63	3.8	3.98	3.95	4.09	4.19	4.18	4.11	4.2	4.19	4.42	4.24	4.52	4.57	4.6	4.33	4.29	4.29
Non-financial corporations loans, initial rate fixation over 10 years1
Euro area	3.73	3.75	3.63	3.7	3.64	3.66	3.53	3.61	3.49	3.45	3.54	3.53	3.56	3.53	3.64	3.54	3.58	3.48	3.59	3.48	3.54	3.65	3.67	3.82	3.85	3.84	4.01	4.04	4.02	4.06	3.93	3.95	4.01	4.11	4.04	3.96	3.96
Non-financial corporations loans, initial rate fixation over 3 months to 1 year1
Euro area	3.96	3.81	3.8	3.72	3.69	3.41	3.58	3.62	3.54	3.48	3.52	3.51	3.54	3.54	3.65	3.67	3.92	3.93	4.03	4.18	4.4	4.49	4.64	4.91	5.07	5.14	5.17	5.16	5.27	5.11	5.19	5.21	5.36	5.31	5.19	5.12	5.14
Non-financial corporations loans, initial rate fixation over 1 to 3 years1
Euro area	4.46	4.36	4.74	4.33	4.18	4.27	4.1	4.28	4.35	4.4	4.53	4.19	3.98	4.11	4.38	4.24	4.23	4.24	3.98	4.36	4.66	4.72	5.09	5.02	5	5.14	5.14	5.24	4.95	4.27	5.04	5.32	5.5	5.43	4.79	4.4	5.1
Non-financial corporations loans, initial rate fixation over 3 to 5 years1
Euro area	4.1	4.15	4.19	4.06	3.96	4.09	3.99	3.75	3.92	3.9	3.87	4.09	3.83	3.97	4.03	4.12	4.08	4.02	4.21	4.22	4.26	4.38	4.39	4.72	4.54	4.76	5.02	4.7	4.72	4.84	4.98	4.83	5.01	5.17	5	5.01	4.87
Non-financial corporations loans, initial rate fixation under 1 year1
Euro area	4	3.94	3.79	3.76	3.73	3.69	3.7	3.69	3.64	3.65	3.63	3.63	3.7	3.69	3.81	3.96	4.14	4.27	4.4	4.42	4.65	4.87	5.08	5.36	5.41	5.36	5.36	5.6	5.58	5.52	5.58	5.52	5.51	5.61	5.41	5.45	5.31
Households consumer loans, all initial rate fixation periods1
Euro area	7.6	7.51	7.62	7.6	7.46	7.51	7.57	7.16	7.33	7.33	7.4	7.51	7.46	7.41	7.53	7.54	7.52	7.59	7.65	7.41	7.58	7.68	7.75	7.82	7.77	7.69	7.92	7.86	7.81	7.9	8.01	7.69	7.84	7.89	7.87	7.9	7.78
Households consumer loans, initial rate fixation up to 1 year1
Euro area	7.45	7.2	7.18	7.11	7.02	6.83	7.17	6.36	6.19	6.4	6.75	7.12	6.68	6.68	6.77	6.95	6.96	6.79	7.16	6.76	6.52	7.24	7.56	7.85	7.55	7.41	7.65	8.03	8.03	7.61	7.92	7.47	7.21	8.15	8.42	8.71	8.34
Households consumer loans, initial rate fixation over 1 to 5 years1
Euro area	6.91	6.88	6.97	6.94	6.77	6.87	6.88	6.68	6.74	6.78	6.83	6.89	6.86	6.88	7	6.99	6.91	7.01	7.06	6.93	7.03	7.1	7.19	7.21	7.17	7.11	7.33	7.19	7.17	7.35	7.39	7.26	7.26	7.28	7.26	7.29	7.19
Households consumer loans, initial rate fixation over 5 years1
Euro area	8.07	7.99	8.14	8.12	7.99	8.05	8.1	7.72	7.95	7.88	7.88	7.99	7.98	7.88	8	8	8.03	8.11	8.14	7.98	8.18	8.17	8.18	8.26	8.27	8.2	8.4	8.35	8.25	8.34	8.47	8.12	8.39	8.3	8.22	8.2	8.1
Household house purchase loans, total weighted Average1
Euro area	3.54	3.51	3.48	3.44	3.35	3.37	3.35	3.32	3.3	3.31	3.31	3.31	3.28	3.3	3.3	3.27	3.32	3.33	3.25	3.39	3.47	3.55	3.64	3.73	3.75	3.78	3.81	3.81	3.8	3.84	3.87	3.98	4.03	3.92	3.9	3.86	3.77
Households house purchase loans, initial rate fixation up to 1 year1
Euro area	3.69	3.65	3.6	3.56	3.5	3.48	3.51	3.55	3.53	3.52	3.52	3.59	3.56	3.61	3.7	3.85	3.92	4	4.06	4.15	4.27	4.37	4.58	4.69	4.75	4.8	4.8	4.83	4.8	4.81	4.75	4.91	4.93	4.85	4.76	4.72	4.57
Households house purchase loans, initial rate fixation over 1 to 5 years1
Euro area	3.57	3.52	3.46	3.43	3.35	3.37	3.37	3.37	3.35	3.37	3.39	3.4	3.38	3.41	3.42	3.48	3.5	3.52	3.49	3.57	3.62	3.69	3.79	3.87	3.93	3.95	3.96	3.98	3.99	4.01	4.08	4.23	4.32	4.29	4.26	4.22	4.15
Households house purchase loans, initial rate fixation over 5 to 10 years1
Euro area	3.73	3.67	3.65	3.61	3.52	3.55	3.51	3.48	3.48	3.48	3.49	3.46	3.45	3.47	3.45	3.32	3.36	3.37	2.88	3.36	3.43	3.47	3.55	3.62	3.64	3.63	3.62	3.59	3.57	3.64	3.67	3.81	3.9	3.78	3.86	3.79	3.72
Households house purchase loans, initial rate fixation over 10 years1
Euro area	3.36	3.34	3.32	3.31	3.24	3.26	3.23	3.13	3.15	3.16	3.17	3.18	3.12	3.12	3.12	3.04	3.1	3.09	2.97	3.09	3.16	3.22	3.28	3.36	3.37	3.39	3.41	3.42	3.44	3.49	3.52	3.63	3.7	3.61	3.58	3.51	3.46
Households other loans, all initial rate fixation periods1
Euro area	4.29	4.21	4.17	4.13	4.04	4.06	4.03	3.89	4.02	4.08	4.08	4.1	4.01	4.03	4.18	4.29	4.35	4.43	4.46	4.34	4.66	4.7	4.89	5.1	5.09	5.17	5.29	5.29	5.25	5.39	5.43	5.31	5.53	5.56	5.39	5.36	5.18
Households other loans, initial rate fixation up to 1 year1
Euro area	4.12	4.04	3.92	3.91	3.89	3.87	3.86	3.64	3.82	3.88	3.87	3.92	3.81	3.83	4.01	4.26	4.34	4.46	4.53	4.52	4.88	4.93	5.08	5.38	5.38	5.43	5.5	5.63	5.6	5.69	5.71	5.58	5.72	5.76	5.58	5.59	5.34
Households other loans, initial rate fixation over 1 to 5 years1
Euro area	4.55	4.54	4.51	4.42	4.16	4.32	4.35	4.38	4.41	4.37	4.39	4.38	4.35	4.37	4.52	4.53	4.56	4.65	4.61	4.39	4.69	4.64	4.93	5.08	5.14	5.18	5.27	5.2	5.21	5.22	5.25	5.21	5.47	5.55	5.44	5.37	5.31
Households other loans, initial rate fixation over 5 years1
Euro area	4.41	4.32	4.44	4.31	4.2	4.21	4.18	4	4.15	4.25	4.23	4.2	4.09	4.15	4.23	4.19	4.24	4.25	4.22	4.02	4.29	4.36	4.51	4.6	4.54	4.63	4.84	4.72	4.6	4.88	4.87	4.73	5.15	5.1	4.95	4.86	4.75
Non-financial corporate borrowing costs, total weighted Average1
Euro area	3.8	3.79	3.64	3.62	3.59	3.51	3.57	3.57	3.5	3.51	3.5	3.46	3.52	3.61	3.66	3.8	3.94	4.11	4.25	4.36	4.52	4.67	4.8	5.01	5.06	5.08	5.12	5.2	5.2	5.16	5.19	5.24	5.25	5.28	5.11	5.01	4.95
House purchase & non-financial corporate loans: floating & fixed <= 1 year1
Euro area	3.76	3.75	3.56	3.57	3.54	3.44	3.52	3.53	3.45	3.45	3.44	3.39	3.49	3.57	3.62	3.78	3.94	4.15	4.29	4.42	4.59	4.73	4.87	5.09	5.14	5.16	5.19	5.28	5.29	5.26	5.28	5.33	5.31	5.33	5.19	5.09	5
House purchase & non-financial corporate loans: fixed > 1 year1
Euro area	3.75	3.71	3.72	3.64	3.57	3.61	3.55	3.52	3.51	3.52	3.55	3.53	3.47	3.51	3.55	3.5	3.52	3.51	3.48	3.54	3.64	3.74	3.8	3.91	3.93	3.97	4.02	4	3.98	3.96	4.04	4.13	4.23	4.2	4.05	3.99	3.99
Revolving loans, overdrafts & credit cards: non-financial corporations1
Euro area	3.83	3.79	3.68	3.67	3.64	3.63	3.64	3.64	3.6	3.62	3.64	3.61	3.64	3.78	3.86	3.98	4.16	4.28	4.43	4.59	4.74	4.84	5.07	5.12	5.15	5.19	5.27	5.32	5.31	5.32	5.33	5.33	5.27	5.25	5.13	4.97	4.84
Revolving loans, overdrafts & credit cards: households1
Euro area	7.62	7.63	7.65	7.65	7.74	7.77	7.77	7.49	7.72	7.73	7.73	7.67	7.6	7.73	7.83	7.87	8.05	8.11	8.08	8	8.22	8.27	8.39	8.27	8.2	8.36	8.33	8.3	8.39	8.41	8.33	8.17	8.18	8.18	8.06	7.83	7.73
Revolving loans and overdrafts: non-financial corporations1
Euro area	3.87	3.83	3.71	3.7	3.67	3.66	3.68	3.68	3.64	3.66	3.69	3.65	3.68	3.82	3.91	4.03	4.21	4.33	4.48	4.64	4.8	4.89	5.12	5.18	5.21	5.25	5.33	5.37	5.37	5.37	5.38	5.38	5.33	5.31	5.2	5.02	4.89
Revolving loans and overdrafts: households1
Euro area	7.32	7.29	7.19	7.23	7.3	7.26	7.27	7.23	7.25	7.32	7.34	7.28	7.28	7.4	7.48	7.53	7.73	7.74	7.8	7.91	7.96	8.06	8.22	8.16	8.15	8.18	8.21	8.14	8.19	8.19	8.14	8.04	7.99	7.99	7.79	7.6	7.5
Extended credit: non-financial corporations1
Euro area	15.87	15.72	15.8	16.01	15.83	15.74	15.85	15.6	16	15.86	15.94	16.32	16.03	15.98	16.18	15.99	16.06	16.4	16.54	16.66	16.61	16.88	16.59	16.92	16.95	16.97	17.25	17.22	17.26	17.35	17.35	17.2	17.22	17.25	17.55	17.66	17.81
Extended credit: households1
Euro area	16.49	16.47	16.42	16.44	16.47	16.42	16.49	16.42	16.41	16.4	16.42	16.4	16.44	16.48	16.5	16.58	16.63	16.69	16.77	16.84	16.84	16.89	17.04	16.99	17	17.01	17.04	16.98	16.96	16.86	16.91	16.89	16.76	16.65	16.64	16.57	16.51

Latest reading

Euro area stood at 3.52 %/year in Jul 2026. That is unchanged from Jun 2026 and +0.2 pp from a year earlier. The series on this page is monthly and runs from Jan 2000 to Jul 2026. Source: European Central Bank (ECB Data Portal).

Latest: 3.52 %/year; Jul 2026
vs previous period: 0.0 pp; Jun 2026
vs a year earlier: +0.2 pp

About this data

Monthly bank deposit and lending interest rates in the euro area, weighted averages on new business. The table covers household and corporate term deposits, household mortgages, and loans to non-financial corporations. This represents the final stage of monetary policy transmission — the spread between these rates and the ECB's policy interest rate indicates the speed of bank transmission across the system. The table includes all 21 member states, with country differentials providing the most insightful reading: under the same policy interest rate, mortgage rates in higher-risk jurisdictions are consistently several percentage points higher. NOTE ON BREAKS IN SERIES: these are weighted average interest rates on NEW contracts concluded during the month, meaning that if a small member state records no new contracts in a given segment for a month, the ECB publishes no figure and the chart line breaks — a characteristic of the metric rather than a data omission. This phenomenon is clearly visible in Malta, Luxembourg, Latvia, and Greece, predominantly in the two corporate rows. The latter part of the table breaks down the euro area aggregate across two dimensions that the first four rows combine. DEPOSIT INTEREST RATES are disaggregated by maturity (overnight, up to 1 year, up to 2 years, redeemable at notice) and by depositor sector — the 2022-2024 cycle shows deposit rates increasing substantially slower than lending rates, particularly for overnight deposits which remained virtually flat. LENDING INTEREST RATES are disaggregated by loan purpose and INITIAL RATE FIXATION PERIOD — floating or fixed for up to 3 months, up to 1 year, 1 to 5 years, 5 to 10 years, and over 10 years. The rate fixation dimension is the most critical and frequently overlooked: it reveals the transmission speed of monetary policy to households. In jurisdictions where mortgages are predominantly floating-rate (Finland, Portugal, Spain), every ECB rate hike increases debt servicing costs within months; in those with rate fixation exceeding 10 years (France, Germany, Belgium), transmission takes several years. The table also includes overdraft rates, credit card rates, and composite cost of borrowing indicators — the aggregate metric used by the ECB itself to monitor transmission. Source: European Central Bank (ECB Data Portal).