German business loan rates, over €1 million, 5 to 10 years
German business loan rates, over €1 million, 5 to 10 years stood at 3.57% 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 gurantees, initial rate fixation of over 5 and up to 10 years, SUD178 | 3.57 | 3.83 | 3.55 | 3.34 | 3.47 | 3.74 | 3.36 | 3.32 | 3.38 | 3.3 | |
| Business, Loans to non-financial corporations up to EUR 0.25 million with collateral and/or guarantees, initial rate fixation of over 5 and up to 10 years, SUD166 | 4.03 | 3.62 | 3.9 | 4 | 3.98 | 3.7 | 3.86 | 3.69 | 3.94 | 3.85 |
Understanding german business loan rates, over €1 million, 5 to 10 years
High-value corporate borrowing arrangements featuring medium-to-long term rate stability and mandatory asset backing shape this specific indicator. The data aggregates newly priced credit lines for non-financial entities exceeding one million euros, strictly bound by a rate fixation window spanning between five and ten years. By filtering for both substantial deal sizes and guaranteed backing, the collection isolates the financing environment for established enterprises undertaking intermediate-horizon projects. This positions the series directly between the shorter transitional lending tiers and the ultra-long infrastructure-style loan categories available elsewhere in the dataset.
Tracking changes in these borrowing costs is most effective when utilizing year-on-year comparisons, thereby filtering out the noise of sporadic, large-scale loan syndications that can distort monthly readings. While seasonal effects remain weak, structural shifts in monetary policy expectations quickly influence the yield curve embedded in these contracts. Revisions are infrequent but can happen if syndicated segments are classified late. Analysts must remember that the strict five-to-ten-year window means these rates capture a specific maturity premium, making direct comparisons with floating-rate benchmarks misleading when attempting to gauge overall corporate credit stress.
Frequently asked questions
- Are variable-rate corporate loans included in this measure?
- Variable structures are excluded unless the initial rate is strictly locked for a minimum of five years.
- Does this series cover decades-long commercial mortgages?
- It filters those out by imposing a strict upper limit on the rate fixation window, stopping at ten years.
- Are retail household loans mixed into this dataset?
- The data isolates agreements made exclusively with non-financial corporations, completely removing household borrowing.