Germany new other household loan rates, fixed over 5 years
Germany new other household loan rates, fixed over 5 years stood at 4.43% 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 Jan 2003 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 households for other purposes | |||||||||||
| Business, Loans for other purposes to households with an initial rate fixation of over 5 years, SUD122 | 4.43 | 4.26 | 4.13 | 4.34 | 4.22 | 4.1 | 4.04 | 4.04 | 3.91 | 3.96 | |
| Business, Loans for other purposes to sole proprietors and unincorporated partnerships with an initial rate fixation of over 5 years, SUD135 | 4.51 | 4.34 | 4.27 | 4.38 | 4.27 | 4.11 | 4.04 | 4.05 | 3.89 | 3.94 |
Understanding germany new other household loan rates, fixed over 5 years
Personal credit arrangements designed neither for housing nor pure retail consumption, but bound by a strict long-term interest rate lock, form the basis of this series. The underlying contracts dictate that the agreed cost of borrowing remains entirely unchanged for a period exceeding 5 years from origination. Consequently, this category captures consolidated debt instruments, large-scale structural personal finance, and certain types of education funding requiring extended repayment certainty. It contrasts sharply with shorter-duration personal loans, which carry different risk profiles, and deliberately excludes the sole-proprietor segment covered in sibling datasets.
Analyzing these long-duration personal lending costs requires cross-referencing against structural shifts in capital market yields rather than immediate policy adjustments. The rates reported represent weighted averages of new agreements signed within the calendar month, meaning compositional changes in the borrower pool can alter the final percentage. Since this covers the longest available fixation bracket for non-mortgage household lending, period-on-period variations tend to reflect the most persistent macroeconomic shifts. Comparing the absolute percentage against shorter-term lending provides insight into the term premium banks apply for absorbing long-term rate risk in the consumer space.
Frequently asked questions
- Do floating-rate loans that happen to last longer than the maturity threshold appear here?
- They do not, as the inclusion criterion rests entirely on the rate fixation period rather than the total maturity of the loan.
- Are personal auto loans tracked within this specific category?
- Most dedicated auto loans are classified under consumer credit rather than this miscellaneous bracket, though some general long-term personal loans might indirectly fund vehicle purchases.
- Why might the monthly rate fluctuate even without a policy change?
- The monthly figure aggregates all new contracts, so a shift toward riskier borrowers in a given month will mathematically alter the weighted average.