Germany secured new mortgage rates, fixed for over 10 years
Germany secured new mortgage rates, fixed for over 10 years stood at 3.83% 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 10 years, SUD161 | 3.83 | 3.72 | 3.82 | 3.83 | 3.78 | 3.55 | 3.63 | 3.7 | 3.59 | 3.57 | |
| Business, Housing loans to households (annual percentage rate of charge, total cost of loan), SUD131 | 4.05 | 3.98 | 4 | 3.99 | 3.89 | 3.79 | 3.85 | 3.87 | 3.8 | 3.75 |
Understanding germany secured new mortgage rates, fixed for over 10 years
Maximum-duration collateralized residential agreements are isolated and quantified through this definitive metric. The figures represent the initial annualized percentage assigned to freshly signed household home loans that are fortified by physical assets and locked in for any timeframe surpassing ten years. This category separates the most risk-averse, highly secured retail borrowers from those navigating the shorter maturities or uncollateralized spheres detailed in parallel rows. It deliberately sidesteps all corporate arrangements, pre-existing mortgage renewals, and unsecured consumer borrowing, maintaining a pure focus on freshly originated, ultra-long safeguarded debt.
Evaluating sequential month-on-month differences offers the most reliable technique for understanding how financial institutions price deeply anchored, long-horizon risk. Applying year-on-year frameworks severely blunts this insight, as ultra-long financing models pivot swiftly on immediate capital market funding constraints rather than annual cycles. While the data lacks seasonal adjustment, the sheer duration of these contracts immunizes the stated costs from transient monthly transaction volumes. Analysts frequently misinterpret this metric as a standard fifteen-year benchmark; because it possesses no upper maturity limit, an influx of fully fixed thirty-year deals will artificially inflate the aggregate without any genuine repricing by lenders. Revisions remain exceptionally rare.
Frequently asked questions
- Do fixed thirty-year property loans impact this specific measurement?
- Yes, any secured residential contract with an initial static pricing window exceeding a decade falls directly into this open-ended classification.
- Are renegotiations of deeply aged secured mortgages captured here?
- No, the parameters are strictly confined to initial originations, classifying all subsequent structural renewals into separate renegotiated categories.
- Does a lack of physical real estate collateral disqualify a long-term loan?
- An absence of property backing would normally disqualify the loan, unless an equivalent formal third-party guarantee entirely replaces the standard lien.