German secured consumer loan rates, floating or up to 1 year
German secured consumer loan rates, floating or up to 1 year stood at 4.9% 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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Consumer loans to households | |||||||||||
| Business, Loans for consumption to households with collateral and/or guarantees, floating rate or initial rate fixation up to 1 year, SUD155 | 4.9 | 4.66 | 5.09 | 4.55 | 3.98 | 4.34 | 3.99 | 4.77 | 4.76 | 5.04 | |
| Business, Loans for consumption to households with collateral and/or guarantees, initial rate fixation of over 5 years, SUD157 | 5.47 | 5.43 | 5.33 | 5.34 | 5.21 | 5.34 | 5.05 | 5.09 | 5.24 | 4.78 |
Understanding german secured consumer loan rates, floating or up to 1 year
Asset-backed household liquidity designed for consumption is measured here through highly responsive, short-duration pricing structures. The series focuses exclusively on personal loans backed by formal collateral or guarantees, provided the interest model continuously floats or locks for no more than a single year. By mandating security, it distances itself from standard unsecured credit cards or clean overdrafts, while the consumer designation ensures property purchase mortgages are entirely excluded. This creates a highly distinct niche: households pledging assets to secure flexible, short-term spending power. The calculation solely processes new business, reflecting the exact current premium lenders apply to protected, adaptable retail debt.
Analysing this metric requires closely monitoring month-on-month changes, as the minimal fixation window ensures that shifts in wholesale funding costs are rapidly transferred to the borrower. The mandatory presence of collateral makes these figures uniquely sensitive to broad valuations of pledged assets, occasionally causing disconnects from purely unsecured consumer trends. Seasonality is relatively muted, though periodic tax obligations can briefly elevate demand for secured short-term liquidity. A frequent analytical mistake is assuming this debt functions like a standard mortgage due to the collateral requirement; the funds are strictly for consumption, significantly altering the underlying risk profile. Minor revisions may occur if institutions retroactively adjust their collateral valuation reports.
Frequently asked questions
- Are traditional home purchasing loans included if they have variable pricing?
- Housing finance is strictly isolated elsewhere; this data only tracks secured borrowing intended for personal spending.
- How does the required security affect the overall cost compared to standard consumer debt?
- Pledging acceptable assets generally lowers the risk profile, allowing institutions to offer more favourable terms than unsecured alternatives.
- Does the percentage reflect the cost over the entire life of the borrowing?
- No, it only captures the pricing for the initial variable or short-term period, which must reset within twelve months.