German new secured loan rate €0.25-1 million, <=3 months
German new secured loan rate €0.25-1 million, <=3 months stood at 4.47% 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, with floating rate or initial rate fixation up to 3 months, SUD168 | 4.47 | 4.25 | 4.12 | 4.18 | 4.13 | 3.93 | 4.01 | 3.95 | 3.87 | 3.95 | |
| Business, Loans to non-financial corporations up to EUR 1 million with collateral and/or guarantees, with floating rate or an initial rate fixation up to 1 year, SUD524 | 4.61 | 4.3 | 4.31 | 4.29 | 4.14 | 4.02 | 4.02 | 4.01 | 3.95 | 4.11 |
Understanding german new secured loan rate €0.25-1 million, <=3 months
Asset-backed mid-market commercial loans carrying floating or ultra-short fixed interest percentages define the parameters of this series. It registers new loans to non-financial corporations ranging over EUR 0.25 million up to EUR 1 million that possess collateral or guarantees, and feature an initial rate fixation of up to three months or a floating rate. This isolates medium-scale, secured enterprise borrowing tied directly to current money market fluctuations, cordoning it off from micro-lending, top-tier corporate facilities, and unsecured debt. The calculation strictly incorporates newly established contracts and significant renegotiations from the reporting month. Credit agreements lacking asset backing, falling outside the precise volume bracket, or locking rates for longer than a quarter are systematically excluded.
Analysts prioritize month-to-month tracking to observe how mid-sized secured borrowing reacts to sudden shifts in the yield curve, while deploying year-on-year checks to counteract seasonal business investment cycles. Comparing these figures against identical unsecured categories is the standard method for measuring the pricing advantage of pledging mid-tier assets. Observers should carefully remember that a short fixation window indicates volatile interest costs, not necessarily a rapidly maturing loan, as secured assets often back long-term obligations. This forward-looking new business metric consistently diverges from the lagging indicators of outstanding loan stocks. Initial data releases are highly dependable, with subsequent amendments remaining rare.
Frequently asked questions
- What separates this from the sub-quarter-million category?
- This tier exclusively captures larger secured loans strictly bounded between EUR 0.25 million and EUR 1 million.
- Does a floating rate mean the interest changes every day?
- It means the rate is tethered to a benchmark that adjusts periodically, keeping the effective fixation window under the three-month limit.
- Are equipment leases included in these figures?
- Standard bank loans secured by equipment are included, but purely operational leases without a loan structure are generally categorized elsewhere.