Bank interest rate on loans to households for house purchase with initial rate fixation over one and up to five years vs Adjusted loans to households annual growth rate in European Union

In 2026, bank interest rate on loans to households for house purchase with initial rate fixation over one and up to five years in European Union stood at 3.37%, against 3.1% for adjusted loans to households annual growth rate.

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European Union, spaced by time. Both series are in %, so they share one axis; the legend names each line.

Bank interest rate on loans to households for house purchase with initial rate fixation over one and up to five years and Adjusted loans to households annual growth rate

Unit: % · 20 observations

2 series · one axis
Bank interest rate on loans to households for house purchase with initial rate fixation over one and up to five years and Adjusted loans to households annual growth rate: European UnionBank interest rate on loans to households for house purchase with initial rate fixation over one and up to five years and Adjusted loans to households annual growth rate. 2 indicators on one axis: Bank interest rate on loans to households for house purchase with initial rate fixation over one and up to five years, Adjusted loans to households annual growth rate. 20 observations from February 2025 to July 2026, ranging from 1.5% to 3.39%. Latest values: Bank interest rate on loans to households for house purchase with initial rate fixation over one and up to five years 3.37% (January 2026); Adjusted loans to households annual growth rate 3.1% (July 2026). % 0 1 2 3 4 Mar 2025 May 2025 Jul 2025 Sep 2025 Nov 2025 Mar 2026 May 2026 Jul 2026 2026 3.4% 3.1% Bank interest rate on loans to households for house purchase with initial rate fixation over one and up to five years Adjusted loans to households annual growth rate
Bank interest rate on loans to households for house purchase with initial rate fixation over one and up to five years and Adjusted loans to households annual growth rate: European UnionBank interest rate on loans to households for house purchase with initial rate fixation over one and up to five years and Adjusted loans to households annual growth rate. 2 indicators on one axis: Bank interest rate on loans to households for house purchase with initial rate fixation over one and up to five years, Adjusted loans to households annual growth rate. 20 observations from February 2025 to July 2026, ranging from 1.5% to 3.39%. Latest values: Bank interest rate on loans to households for house purchase with initial rate fixation over one and up to five years 3.37% (January 2026); Adjusted loans to households annual growth rate 3.1% (July 2026). % 0 1 2 3 4 Mar 2025 May 2025 Jul 2025 Sep 2025 Nov 2025 Mar 2026 May 2026 Jul 2026 2026 3.4% 3.1% Bank interest rate on loans to households for house purchase with initial rate fixation over one and up to five years Adjusted loans to households annual growth rate
Bank interest rate on loans to households for house purchase with initial rate fixation over one and up to five years and Adjusted loans to households annual growth rate: European UnionBank interest rate on loans to households for house purchase with initial rate fixation over one and up to five years and Adjusted loans to households annual growth rate. 2 indicators on one axis: Bank interest rate on loans to households for house purchase with initial rate fixation over one and up to five years, Adjusted loans to households annual growth rate. 20 observations from February 2025 to July 2026, ranging from 1.5% to 3.39%. Latest values: Bank interest rate on loans to households for house purchase with initial rate fixation over one and up to five years 3.37% (January 2026); Adjusted loans to households annual growth rate 3.1% (July 2026). % 0 1 2 3 4 Mar 2025 Jul 2025 May 2026 2026 3.4% 3.1% Bank interest rate on loans to households for house purchase with initial rate fixation over one and up to five years Adjusted loans to households annual growth rate
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Bank interest rate on loans to households for house purchase with initial rate fixation over one and up to five years and Adjusted loans to households annual growth rate: European Union
Indicator Period Type Value
Bank interest rate on loans to households for house purchase with initial rate fixation over one and up to five years January 2026 Actual 3.37%
Bank interest rate on loans to households for house purchase with initial rate fixation over one and up to five years October 2025 Actual 3.37%
Bank interest rate on loans to households for house purchase with initial rate fixation over one and up to five years September 2025 Actual 3.39%
Adjusted loans to households annual growth rate July 2026 Actual 3.1%
Adjusted loans to households annual growth rate June 2026 Actual 3%
Adjusted loans to households annual growth rate May 2026 Actual 3.1%
Adjusted loans to households annual growth rate April 2026 Actual 3%
Adjusted loans to households annual growth rate March 2026 Actual 3%
Adjusted loans to households annual growth rate February 2026 Actual 3%
Adjusted loans to households annual growth rate January 2026 Actual 3%
Adjusted loans to households annual growth rate November 2025 Actual 2.9%
Adjusted loans to households annual growth rate October 2025 Actual 2.8%
Adjusted loans to households annual growth rate September 2025 Actual 2.6%
Adjusted loans to households annual growth rate August 2025 Actual 2.5%
Adjusted loans to households annual growth rate July 2025 Actual 2.4%
Adjusted loans to households annual growth rate June 2025 Actual 2.2%
Adjusted loans to households annual growth rate May 2025 Actual 2%
Adjusted loans to households annual growth rate April 2025 Actual 1.9%
Adjusted loans to households annual growth rate March 2025 Actual 1.7%
Adjusted loans to households annual growth rate February 2025 Actual 1.5%

Shared periods

Side by side

Only 2 periods are published for both series in European Union. Comparing anything else would mean comparing different years.

Period Bank interest rate on loans to households for house purchase with initial rate fixation over one and up to five years Adjusted loans to households annual growth rate
2025 3.37% 2.9%
2026 3.37% 3.1%

Provenance

Where these numbers come from

Bank interest rate on loans to households for house purchase with initial rate fixation over one and up to five years

Average interest rate charged by banks on new loans to households for house purchase with an initial rate fixation period of over one year and up to five years.

3 observations in European Union · source organisations: ECB

Adjusted loans to households annual growth rate

Annual percentage growth rate of loans to households adjusted for loan sales, securitisation, and notional cash pooling.

17 observations in European Union · source organisations: ECB

Data published under CC BY 4.0. Series A as JSON · Series B as JSON

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