German business loan rates, over €1 million, 1 to 5 years
German business loan rates, over €1 million, 1 to 5 years stood at 4.34% 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 1 million with collateral and/or guarantees, initial rate fixation of over 1 year and up to 5 years, SUD528 | 4.34 | 4.63 | 4.32 | 3.92 | 4.22 | 3.72 | 3.9 | 3.77 | 3.88 | 3.58 | |
| Business, Loans to non-financial corporations up to EUR 1 million with collateral and/or guarantees, initial rate fixation of over 5 years, SUD526 | 3.8 | 3.59 | 3.78 | 3.58 | 3.64 | 3.39 | 3.59 | 3.52 | 3.56 | 3.45 |
Understanding german business loan rates, over €1 million, 1 to 5 years
Corporate lending facilities surpassing the EUR 1 million mark provide the foundation for this metric, provided they carry an interest rate locked for over one and up to five years. The series measures the pricing on substantial new debt backed by guarantees or collateral, entirely omitting smaller business loans and unsecured financing. By focusing on this medium-term duration, the data highlights the cost of major corporate investments where treasurers seek protection against near-term monetary fluctuations without committing to the rigidities of long-term bond-like maturities. It acts as a distinct counterpoint to the floating-rate heavyweights in sibling categories, showing the premium or discount demanded for intermediate rate certainty.
Evaluating these figures demands careful attention to the yield curve's shape, as the pricing blends multiple maturities into a single average. Month-on-month comparisons serve as the most accurate barometer of changing bank sentiment towards large-scale corporate risk. Seasonal adjustments are not applied, largely because institutional borrowing schedules are dictated by strategic opportunities rather than calendar effects. Users must also distinguish this new business data from outstanding amounts; sudden spikes in these freshly agreed rates take considerable time to push up the average servicing costs of the broader corporate sector.
Frequently asked questions
- Why are only collateralised loans measured?
- Grouping by secured status ensures the rates reflect underlying market funding costs rather than extreme variations in borrower creditworthiness.
- Are syndicated loans tracked in this specific row?
- If a domestic bank participates in a syndicated loan meeting the size, duration, and collateral criteria, its portion is typically recorded.
- How does this differ from the up to EUR 1 million category?
- It isolates larger-scale financing, which generally commands different pricing dynamics due to the borrower's negotiating power and institutional profile.