Germany secured new mortgage rates, fixed for 1 to 5 years
Germany secured new mortgage rates, fixed for 1 to 5 years stood at 3.89% 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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Housing loans to households | |||||||||||
| Business, Housing loans to households with collateral and/or guarantees, initial rate fixation of over 1 and up to 5 years, SUD159 | 3.89 | 3.8 | 3.81 | 3.76 | 3.67 | 3.49 | 3.5 | 3.48 | 3.45 | 3.41 | |
| Business, Housing loans to households with collateral and/or guarantees, initial rate fixation of over 5 and up to 10 years, SUD160 | 3.73 | 3.71 | 3.69 | 3.69 | 3.58 | 3.52 | 3.53 | 3.49 | 3.49 | 3.5 |
Understanding germany secured new mortgage rates, fixed for 1 to 5 years
Medium-duration collateralized home financing dictates the parameters of this specific dataset. The metric quantifies the annual percentages levied on fresh residential borrowing by households where the terms are backed by guarantees and locked for over one year up to a strict five-year maximum. This isolates a highly specific risk profile, distinct from unsecured housing debt, ultra-short floating agreements, and the longer-term secured commitments that dominate other rows. It captures purely new contractual originations, bypassing the vast stock of existing legacy debt.
Focusing on period-on-period momentum provides the most accurate reflection of how medium-term secured funding costs are evolving in real time. Year-on-year analysis introduces significant distortion, capturing overlapping phases of the medium-term yield curve rather than immediate retail conditions. Analysts must account for the lack of seasonal adjustment, though the strict collateral requirements stabilize the pricing against transient holiday volume shifts. Care should be taken not to assume uniform distribution within this one-to-five-year window; a sudden consumer preference for exactly five-year terms over two-year options will skew the weighted result without any actual change in banking tariffs. The figures rarely undergo retrospective modification.
Frequently asked questions
- Does a four-year fixed mortgage without formal guarantees appear in this data?
- No, the parameters mandate explicit collateralization or third-party guarantees, excluding any medium-term lending arranged purely on an unsecured basis.
- What occurs to the loan classification once the initial five years pass?
- The subsequent pricing phase is removed from this new business category entirely, transitioning instead into the separate renegotiated debt metrics.
- Are home equity lines of credit measured within this specific bracket?
- Because lines of credit typically feature floating structures, they are excluded from this rigidly defined medium-term fixed category.