German new corporate loan rate €0.25-1 million, 3-5 years
German new corporate loan rate €0.25-1 million, 3-5 years stood at 4.3% 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 | |||||||||||
| Business, Loans to non-financial corporations over EUR 0.25 million and up to EUR 1 million with an initial rate fixation of over 3 and up to 5 years, SUD146 | 4.3 | 4.21 | 4.14 | 4.12 | 3.9 | 3.88 | 3.98 | 3.8 | 3.91 | 3.8 | |
| Business, Loans to non-financial corporations over EUR 1 million, floating rate or initial rate fixation up to 1 year , with original maturity over 1 year, SUD184 | 3.98 | 4.04 | 4.01 | 3.72 | 3.68 | 3.87 | 3.62 | 3.65 | 3.55 | 3.59 |
Understanding german new corporate loan rate €0.25-1 million, 3-5 years
Intermediate enterprise funding paired with a mid-range interest duration populates this exact measurement tier. This series calculates the rates applied to new loans for non-financial corporations in Germany, spanning the specific volume of over EUR 0.25 million up to EUR 1 million, with an initial rate fixation exceeding three years up to five years. This exact bracketing highlights the borrowing realities for mid-sized corporate projects demanding predictable medium-term costs, isolating them from both micro-loans and heavy institutional debt. It strictly tracks newly finalized originations and renegotiations happening within the reference month. Any credit facilities with different fixation timelines or principal amounts falling outside the specified range are completely excluded.
Cross-referencing current prints with the same month from previous years is vital to smooth out the seasonal lumpiness inherent in mid-market corporate planning. The behavior of this metric reveals how banks evaluate medium-term risk for established, mid-tier firms over a three-to-five-year horizon. Researchers must differentiate between the interest fixation period and the overall maturity, as equipment or property loans in this size bracket often amortise over much longer timeframes. Unlike metrics tracking the entire stock of existing debt, this new business indicator shifts rapidly in response to current economic developments. The first published numbers are highly reliable, with only minor subsequent refinements expected.
Frequently asked questions
- Does this include loans used for real estate development?
- Yes, provided the borrowing entity is a non-financial corporation and the loan meets the volume and fixation constraints.
- Are variable rate loans tracked in this specific tier?
- Variable rate loans are entirely excluded because this tier requires the interest percentage to remain fixed for at least three years.
- How quickly does this series reflect central bank decisions?
- As a measure of new business, it adjusts almost immediately to the prevailing monetary environment and forward-looking yield expectations.