German business loan rates, €0.25-1 million, over 10 years
German business loan rates, €0.25-1 million, over 10 years stood at 3.24% in Aug 2026, according to Deutsche Bundesbank. It is one of the indicators in the Bank interest rates table (Value · Monthly), with a complete series running from Jun 2010 to Aug 2026. The complete series with an interactive chart, free to download.
This indicator in the Bank interest rates table
| Indicator | 08-2026 | 07-2026 | 06-2026 | 05-2026 | 04-2026 | 03-2026 | 02-2026 | 01-2026 | 12-2025 | 11-2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Loans to non-financial corporations with collateral or guarantees | |||||||||||
| Business, Loans to non-financial corporations over EUR 0.25 million and up to EUR 1 million with collateral and/or guarantees, initial rate fixation of over 10 years, SUD173 | 3.24 | 3.33 | 3.57 | 3.29 | 3.68 | 3.13 | 3.31 | 3.64 | 3.54 | 2.99 | |
| Business, Loans to non-financial corporations over EUR 1 million with collateral and/or guarantees, initial rate fixation of over 3 months and up to 1 year, SUD175 | 3.51 | 3.55 | 3.7 | 3.59 | 3.9 | 3.53 | 3.47 | 3.46 | 3.59 |
Understanding german business loan rates, €0.25-1 million, over 10 years
Secured debt agreements falling between a quarter of a million and one million euros dictate this statistic, provided the non-financial corporate borrower secures an interest rate lock exceeding ten years. This category captures the funding of serious, long-lasting physical assets by mid-market enterprises. It deliberately excludes the micro-loans of local shops and the massive syndicated facilities of industrial giants, offering an unpolluted view of the rates mid-sized companies secure when insulating themselves against a decade or more of potential monetary policy turbulence.
Observers evaluating these long-duration mid-market rates should privilege long-term charting over short-term reactions. The limited frequency of such lengthy contracts within this specific size band means period-on-period monthly changes often reflect a changing mix of borrower risk profiles rather than immediate shifts in banking sector policy. The data is presented in annualised terms, firmly establishing the cost of new origination. Those comparing this metric against shorter fixation periods must account for the term premium—the extra cost banks usually bake into the rate to compensate for tying up capital and accepting inflation risk over such an extended timeline.
Frequently asked questions
- Are property development loans captured in these figures?
- Yes, provided the borrower is a non-financial corporation, the loan size fits the bracket, and collateral is pledged for the decade-plus duration.
- Does a variable rate capped at a maximum ceiling qualify as fixed?
- No, true rate fixation requires an absolute, unmoving interest percentage for the entirety of the specified period.
- Is the cost of the underlying collateral appraisal included in the rate?
- The figures solely track the pure annualised interest rate, deliberately excluding ancillary administrative or appraisal fees.