34 datasets found
  1. Historical mortgage rates in the Netherlands 2003-2024, by mortgage term

    • statista.com
    • ai-chatbox.pro
    Updated Jun 20, 2025
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    Statista (2025). Historical mortgage rates in the Netherlands 2003-2024, by mortgage term [Dataset]. https://www.statista.com/statistics/596336/interest-rate-for-new-mortgages-in-the-netherlands/
    Explore at:
    Dataset updated
    Jun 20, 2025
    Dataset authored and provided by
    Statistahttp://statista.com/
    Area covered
    Netherlands
    Description

    Mortgage rates in the Netherlands increased sharply in 2022 and 2023, after declining gradually between 2008 and 2021. In December 2022, the average interest rate for new mortgage loans stood at **** percent, and by the end of 2023, it had risen to **** percent. The 10-year interest rate was the lowest, at **** percent; the floating and less than one-year interest rates amounted to **** and **** percent, respectively. In early 2024, mortgage rates decreased notably. Are mortgage rates in the Netherlands different from those in other European countries? When comparing this ranking to data that covers multiple European countries, the Netherlands’ mortgage rate was similar to the rates found in Spain, the United Kingdom, and Sweden. It was, however, a lot lower than the rates in Eastern Europe. Hungary and Romania, for example, had some of the highest mortgage rates. For more information on the European mortgage market and how much the countries differ from each other, please visit this dedicated research page. How big is the mortgage market in the Netherlands? The Netherlands has overall seen an increase in the number of mortgage loans sold and is regarded as one of the countries with the highest mortgage debt in Europe. The reason behind this is that Dutch homeowners were able to for many years to deduct interest paid from pre-tax income (a system known in the Netherlands as hypotheekrenteaftrek). Total mortgage debt of Dutch households has been increasing year-on-year since 2013.

  2. T

    Netherlands Interest Rate

    • tradingeconomics.com
    • ko.tradingeconomics.com
    • +13more
    csv, excel, json, xml
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    TRADING ECONOMICS, Netherlands Interest Rate [Dataset]. https://tradingeconomics.com/netherlands/interest-rate
    Explore at:
    json, xml, csv, excelAvailable download formats
    Dataset authored and provided by
    TRADING ECONOMICS
    License

    Attribution 4.0 (CC BY 4.0)https://creativecommons.org/licenses/by/4.0/
    License information was derived automatically

    Time period covered
    Dec 18, 1998 - Jun 5, 2025
    Area covered
    Netherlands
    Description

    The benchmark interest rate in Netherlands was last recorded at 4.50 percent. This dataset provides - Netherlands Interest Rate - actual values, historical data, forecast, chart, statistics, economic calendar and news.

  3. T

    Netherlands Bank Lending Rate

    • tradingeconomics.com
    • fa.tradingeconomics.com
    • +12more
    csv, excel, json, xml
    Updated Dec 10, 2024
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    TRADING ECONOMICS (2024). Netherlands Bank Lending Rate [Dataset]. https://tradingeconomics.com/netherlands/bank-lending-rate
    Explore at:
    csv, json, xml, excelAvailable download formats
    Dataset updated
    Dec 10, 2024
    Dataset authored and provided by
    TRADING ECONOMICS
    License

    Attribution 4.0 (CC BY 4.0)https://creativecommons.org/licenses/by/4.0/
    License information was derived automatically

    Time period covered
    Jan 31, 2003 - May 31, 2025
    Area covered
    Netherlands
    Description

    Bank Lending Rate in Netherlands decreased to 2.67 percent in May from 2.85 percent in April of 2025. This dataset provides - Netherlands Bank Lending Rate - actual values, historical data, forecast, chart, statistics, economic calendar and news.

  4. Average monthly interest rate for new mortgages in the Netherlands 2003-2023...

    • statista.com
    Updated Jul 10, 2025
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    Statista (2025). Average monthly interest rate for new mortgages in the Netherlands 2003-2023 [Dataset]. https://www.statista.com/statistics/596198/quarterly-interest-rate-for-new-mortgages-in-the-netherlands/
    Explore at:
    Dataset updated
    Jul 10, 2025
    Dataset authored and provided by
    Statistahttp://statista.com/
    Time period covered
    Jan 2003 - Sep 2023
    Area covered
    Netherlands
    Description

    In 2022, interest rates for new mortgages in the Netherlands rose rapidly, after falling to a record-low level in 2021. In September 2023, the average mortgage rate for new loans stood at **** percent, up from **** percent in October 2021. The floating interest rate was the highest, at **** percent.

  5. Netherlands Long Term Interest Rate

    • ceicdata.com
    Updated Feb 26, 2025
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    CEICdata.com (2025). Netherlands Long Term Interest Rate [Dataset]. https://www.ceicdata.com/en/indicator/netherlands/long-term-interest-rate
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    Dataset updated
    Feb 26, 2025
    Dataset provided by
    CEIC Data
    License

    Attribution 4.0 (CC BY 4.0)https://creativecommons.org/licenses/by/4.0/
    License information was derived automatically

    Time period covered
    Mar 1, 2024 - Feb 1, 2025
    Area covered
    Netherlands
    Description

    Key information about Netherlands Long Term Interest Rate

    • Netherlands Long Term Interest Rate: Month Avg: Netherlands: ECB Harmonised was reported at 2.63 % pa in Feb 2025, compared with 2.73 % pa in the previous month.
    • Netherlands Long Term Interest Rate data is updated monthly, available from Apr 1986 to Feb 2025.
    • The data reached an all-time high of 9.21 % pa in Oct 1990 and a record low of -0.55 % pa in Dec 2020.
    • Long Term Interest Rate is reported by reported by CEIC Data.

    The data reflects primary market yields.


    Related information about Netherlands Long Term Interest Rate
    • In the latest reports, Netherlands Short Term Interest Rate: Month End: EURIBOR: 3 Months was reported at -0.57 % pa in Nov 2021.
    • The cash rate (Policy Rate: Month End: Main Refinancing Operations) was set at 2.90 % pa in Feb 2025.
    • Netherlands Exchange Rate against USD averaged 0.92 (USD/EUR) in Jun 2023.

  6. Historical mortgage rates in the Netherlands 2003-2025, by mortgage term

    • statista.com
    Updated Oct 15, 2018
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    Statista Research Department (2018). Historical mortgage rates in the Netherlands 2003-2025, by mortgage term [Dataset]. https://www.statista.com/study/52384/mortgages-in-the-netherlands/
    Explore at:
    Dataset updated
    Oct 15, 2018
    Dataset provided by
    Statistahttp://statista.com/
    Authors
    Statista Research Department
    Area covered
    Netherlands
    Description

    Mortgage rates in the Netherlands increased sharply in 2022 and 2023, after declining gradually between 2008 and 2021. In December 2021, the average interest rate for new mortgage loans stood at 1.65 percent, and by the end of 2023, it had risen to 4.13 percent. In May 2025, mortgage rates decreased slightly, falling to 3.52 percent on average. Mortgages with a 10-year fixed rate were the most affordable, at 2.96 percent. Are mortgage rates in the Netherlands different from those in other European countries? When comparing this ranking to data that covers multiple European countries, the Netherlands’ mortgage rate was similar to the rates found in Spain, the United Kingdom, and Sweden. It was, however, a lot lower than the rates in Eastern Europe. Hungary and Romania, for example, had some of the highest mortgage rates. For more information on the European mortgage market and how much the countries differ from each other, please visit this dedicated research page. How big is the mortgage market in the Netherlands? The Netherlands has overall seen an increase in the number of mortgage loans sold and is regarded as one of the countries with the highest mortgage debt in Europe. The reason behind this is that Dutch homeowners were able to for many years to deduct interest paid from pre-tax income (a system known in the Netherlands as hypotheekrenteaftrek). Total mortgage debt of Dutch households has been increasing year-on-year since 2013.

  7. s

    Monthly SME bank loan interest rates in Netherlands 2003-2025, by contract...

    • statista.com
    Updated Jun 16, 2025
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    Statista (2025). Monthly SME bank loan interest rates in Netherlands 2003-2025, by contract size [Dataset]. https://www.statista.com/statistics/1134284/sme-bank-loan-interest-rates-in-the-netherlands-by-contract-size/
    Explore at:
    Dataset updated
    Jun 16, 2025
    Dataset authored and provided by
    Statista
    Time period covered
    Jan 2003 - Apr 2025
    Area covered
    Netherlands
    Description

    Interest rates on SME loans in late 2024 and beginning of 2025 converged a lot. While in previous years, the rates varied a lot depending on the size of the loan, those differences were significantly smaller by April 2025. Loans of over one million have had the lowest interest rates in the past couple of years, but in 2009 they reached a peak at over **** percent. SMEs, or mkb (an abbreviation of midden- en kleinbedrijf) in Dutch, are a big provider for the economy in the Netherlands, as they are the second-largest type of business enterprise present in the country.

  8. N

    Netherlands Business credit interest rate, percent, December, 2024 - data,...

    • theglobaleconomy.com
    csv, excel, xml
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    Globalen LLC, Netherlands Business credit interest rate, percent, December, 2024 - data, chart | TheGlobalEconomy.com [Dataset]. www.theglobaleconomy.com/Netherlands/business_credit_interest_rate/
    Explore at:
    excel, xml, csvAvailable download formats
    Dataset authored and provided by
    Globalen LLC
    License

    Attribution 4.0 (CC BY 4.0)https://creativecommons.org/licenses/by/4.0/
    License information was derived automatically

    Time period covered
    Jan 31, 2003 - Dec 31, 2024
    Area covered
    Netherlands
    Description

    Business credit interest rate, percent in the Netherlands, December, 2024 The most recent value is 3.75 percent as of December 2024, a decline compared to the previous value of 3.78 percent. Historically, the average for the Netherlands from January 2003 to December 2024 is 3.38 percent. The minimum of 1.58 percent was recorded in May 2022, while the maximum of 5.64 percent was reached in October 2008. | TheGlobalEconomy.com

  9. C

    Average, highest and lowest mortgage interest rates

    • ckan.mobidatalab.eu
    Updated Jul 12, 2023
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    OverheidNl (2023). Average, highest and lowest mortgage interest rates [Dataset]. https://ckan.mobidatalab.eu/dataset/3018-gemiddelde-hoogste-en-laagste-hypotheekrente
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    http://publications.europa.eu/resource/authority/file-type/json, http://publications.europa.eu/resource/authority/file-type/atomAvailable download formats
    Dataset updated
    Jul 12, 2023
    Dataset provided by
    OverheidNl
    License

    Attribution 4.0 (CC BY 4.0)https://creativecommons.org/licenses/by/4.0/
    License information was derived automatically

    Description

    Average mortgage interest; highest and lowest interest rates Data available: annual figures from 1993, monthly figures from 1994. Discontinued; There will be no more updates. Info service: http://www.cbs.nl/infoservice. Copyright (c) Statistics Netherlands. Reproduction is permitted, provided Statistics Netherlands is cited as the source.

  10. Interest rate new mortgages Netherlands rate >10 years 2006-2017

    • statista.com
    Updated Jul 9, 2025
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    Statista (2025). Interest rate new mortgages Netherlands rate >10 years 2006-2017 [Dataset]. https://www.statista.com/statistics/596491/netherlands-interest-rate-for-new-mortgages-with-initial-rate-fixation-over-ten-years/
    Explore at:
    Dataset updated
    Jul 9, 2025
    Dataset authored and provided by
    Statistahttp://statista.com/
    Area covered
    Netherlands
    Description

    This statistic shows the average interest rate for new mortgages in the Netherlands with an initial rate fixation over ten years from 2006 to 2017. In 2017, the interest rate reached an average of **** percent. This was the lowest value reached since 2006.

  11. Interest rate mortgages under 1 year in the Netherlands 2015-2021

    • statista.com
    Updated Aug 19, 2022
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    Statista (2022). Interest rate mortgages under 1 year in the Netherlands 2015-2021 [Dataset]. https://www.statista.com/statistics/596019/interest-rate-mortgages-under-1-year-in-the-netherlands/
    Explore at:
    Dataset updated
    Aug 19, 2022
    Dataset authored and provided by
    Statistahttp://statista.com/
    Area covered
    Netherlands
    Description

    The quarterly interest rate for outstanding mortgages in the Netherlands with a maturity less than one year stood at **** percent in the fourth quarter of 2021. This was approximately *** percent lower than the corresponding quarter in 2020.

  12. T

    Netherlands - Housing cost overburden rate: Owner, no outstanding mortgage...

    • tradingeconomics.com
    csv, excel, json, xml
    Updated Jun 17, 2021
    + more versions
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    TRADING ECONOMICS (2021). Netherlands - Housing cost overburden rate: Owner, no outstanding mortgage or housing loan [Dataset]. https://tradingeconomics.com/netherlands/housing-cost-overburden-rate-owner-no-outsting-mortgage-or-housing-loan-eurostat-data.html
    Explore at:
    csv, xml, json, excelAvailable download formats
    Dataset updated
    Jun 17, 2021
    Dataset authored and provided by
    TRADING ECONOMICS
    License

    Attribution 4.0 (CC BY 4.0)https://creativecommons.org/licenses/by/4.0/
    License information was derived automatically

    Time period covered
    Jan 1, 1976 - Dec 31, 2025
    Area covered
    Netherlands
    Description

    Netherlands - Housing cost overburden rate: Owner, no outstanding mortgage or housing loan was 2.50% in December of 2024, according to the EUROSTAT. Trading Economics provides the current actual value, an historical data chart and related indicators for Netherlands - Housing cost overburden rate: Owner, no outstanding mortgage or housing loan - last updated from the EUROSTAT on May of 2025. Historically, Netherlands - Housing cost overburden rate: Owner, no outstanding mortgage or housing loan reached a record high of 4.80% in December of 2010 and a record low of 2.20% in December of 2020.

  13. Average monthly interest rate for outstanding mortgages in the Netherlands...

    • statista.com
    Updated Jul 11, 2025
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    Statista (2025). Average monthly interest rate for outstanding mortgages in the Netherlands 2003-2023 [Dataset]. https://www.statista.com/statistics/595954/quarterly-interest-rate-for-outstanding-mortgages-in-the-netherlands/
    Explore at:
    Dataset updated
    Jul 11, 2025
    Dataset authored and provided by
    Statistahttp://statista.com/
    Time period covered
    Jan 2003 - Sep 2023
    Area covered
    Netherlands
    Description

    The monthly interest rate for outstanding mortgages in the Netherlands rose sharply in 2022, after reaching an all-time low. In **************, the interest rate on outstanding mortgages stood at **** percent, up from **** percent in *********. Mortgages with maturity under one year had the highest mortgage rate at **** percent.

  14. T

    Netherlands - Overcrowding rate: Owner, no outstanding mortgage or housing...

    • tradingeconomics.com
    csv, excel, json, xml
    Updated Aug 5, 2021
    + more versions
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    TRADING ECONOMICS (2021). Netherlands - Overcrowding rate: Owner, no outstanding mortgage or housing loan [Dataset]. https://tradingeconomics.com/netherlands/overcrowding-rate-owner-no-outsting-mortgage-or-housing-loan-eurostat-data.html
    Explore at:
    xml, json, excel, csvAvailable download formats
    Dataset updated
    Aug 5, 2021
    Dataset authored and provided by
    TRADING ECONOMICS
    License

    Attribution 4.0 (CC BY 4.0)https://creativecommons.org/licenses/by/4.0/
    License information was derived automatically

    Time period covered
    Jan 1, 1976 - Dec 31, 2025
    Area covered
    Netherlands
    Description

    Netherlands - Overcrowding rate: Owner, no outstanding mortgage or housing loan was 1.90% in December of 2024, according to the EUROSTAT. Trading Economics provides the current actual value, an historical data chart and related indicators for Netherlands - Overcrowding rate: Owner, no outstanding mortgage or housing loan - last updated from the EUROSTAT on July of 2025. Historically, Netherlands - Overcrowding rate: Owner, no outstanding mortgage or housing loan reached a record high of 2.70% in December of 2023 and a record low of 0.30% in December of 2011.

  15. P

    Pays-Bas Mortgage credit interest rate, percent, mars, 2025 - data, chart |...

    • fr.theglobaleconomy.com
    csv, excel, xml
    Updated Mar 15, 2025
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    Globalen LLC (2025). Pays-Bas Mortgage credit interest rate, percent, mars, 2025 - data, chart | TheGlobalEconomy.com [Dataset]. fr.theglobaleconomy.com/Netherlands/mortgage_interest_rate/
    Explore at:
    excel, csv, xmlAvailable download formats
    Dataset updated
    Mar 15, 2025
    Dataset authored and provided by
    Globalen LLC
    License

    Attribution 4.0 (CC BY 4.0)https://creativecommons.org/licenses/by/4.0/
    License information was derived automatically

    Time period covered
    Jan 31, 2003 - Mar 31, 2025
    Area covered
    Pays-Bas
    Description

    Mortgage credit interest rate, percent in Pays-Bas, mars, 2025 Pour cet indicateur, Netherlands Bank fournit des données pour la Pays-Bas de janvier 2003 à mars 2025. La valeur moyenne pour Pays-Bas pendant cette période était de 3.98 pour cent avec un minimum de 2.25 pour cent en juin 2022 et un maximum de 5.65 pour cent en janvier 2003. | TheGlobalEconomy.com

  16. Third-Party Real Estate Activities in the Netherlands - Market Research...

    • ibisworld.com
    Updated Jun 29, 2025
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    IBISWorld (2025). Third-Party Real Estate Activities in the Netherlands - Market Research Report (2015-2030) [Dataset]. https://www.ibisworld.com/netherlands/industry/third-party-real-estate-activities/200282/
    Explore at:
    Dataset updated
    Jun 29, 2025
    Dataset authored and provided by
    IBISWorld
    License

    https://www.ibisworld.com/about/termsofuse/https://www.ibisworld.com/about/termsofuse/

    Time period covered
    2015 - 2030
    Area covered
    Netherlands
    Description

    Companies operating in the third-party real estate industry have had to navigate numerous economic headwinds in recent years, ranging from rising interest rates, spiralling inflation and muted economic growth. Typically, estate agents can earn income via fees and commissions charged to clients, which allows them to protect their operating profit margin from property price fluctuations. Revenue is projected to sink at a compound annual rate of 0.6% over the five years through 2025, including an estimated rise of 1.2% in 2025 to €207.6billion, while the average industry profit margin is forecast to reach 35.1%. Amid spiralling inflation, central banks across Europe ratcheted up interest rates, resulting in borrowing costs skyrocketing in the two years through 2023. In residential markets, elevated mortgage rates combined with tightening credit conditions eventually ate into demand, inciting a drop in house prices. Rental markets performed well when house prices were elevated, being the cheaper alternative for cash-strapped buyers. However, even lessors felt the pinch of rising mortgage rates, forcing them to hoist rent to cover costs and pricing out potential buyers. This led to a slowdown in rental markets in 2023, weighing on revenue growth. However, this have started to turn around in 2025 as interest rates have been falling across Europe in the two years through 2025, reducing borrowing costs for buyers and boosting property transactions. This has helped revenue to rebound slightly in 2025 as estate agents earn commission from property transactions. Revenue is forecast to swell at a compound annual rate of 3.7% over the five years through 2030 to €249.5 billion. Housing prices are recovering in 2025 as fixed-rate mortgages begin to drop and economic uncertainty subsides, aiding revenue growth in the short term. Over the coming years, Proptech, which has been heavily invested in, will force estate agents to adapt, shaking up the traditional real estate industry. A notable application of Proptech is the use of AI and data analytics to predict a home’s future value and speed up the process of retrofitting properties to become more sustainable.

  17. T

    Netherlands - Severe housing deprivation rate: Owner, with mortgage or loan

    • tradingeconomics.com
    csv, excel, json, xml
    Updated Jul 28, 2021
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    TRADING ECONOMICS (2021). Netherlands - Severe housing deprivation rate: Owner, with mortgage or loan [Dataset]. https://tradingeconomics.com/netherlands/severe-housing-deprivation-rate-owner-with-mortgage-or-loan-eurostat-data.html
    Explore at:
    xml, json, excel, csvAvailable download formats
    Dataset updated
    Jul 28, 2021
    Dataset authored and provided by
    TRADING ECONOMICS
    License

    Attribution 4.0 (CC BY 4.0)https://creativecommons.org/licenses/by/4.0/
    License information was derived automatically

    Time period covered
    Jan 1, 1976 - Dec 31, 2025
    Area covered
    Netherlands
    Description

    Netherlands - Severe housing deprivation rate: Owner, with mortgage or loan was 0.60% in December of 2023, according to the EUROSTAT. Trading Economics provides the current actual value, an historical data chart and related indicators for Netherlands - Severe housing deprivation rate: Owner, with mortgage or loan - last updated from the EUROSTAT on June of 2025. Historically, Netherlands - Severe housing deprivation rate: Owner, with mortgage or loan reached a record high of 0.60% in December of 2023 and a record low of 0.00% in December of 2006.

  18. Direct Real Estate Activities in the Netherlands - Market Research Report...

    • ibisworld.com
    Updated Jul 15, 2025
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    IBISWorld (2025). Direct Real Estate Activities in the Netherlands - Market Research Report (2015-2030) [Dataset]. https://www.ibisworld.com/netherlands/industry/direct-real-estate-activities/200281/
    Explore at:
    Dataset updated
    Jul 15, 2025
    Dataset authored and provided by
    IBISWorld
    License

    https://www.ibisworld.com/about/termsofuse/https://www.ibisworld.com/about/termsofuse/

    Time period covered
    2015 - 2030
    Area covered
    Netherlands
    Description

    The Direct Real Estate Activities industry have come up against numerous headwinds in recent years, ranging from the COVID-19 outbreak in 2020 to the high base rate environment in the years since, which has inflated borrowing costs for potential buyers. This is a sharp contrast to the ultra-low interest environment seen over the decade following the 2008 financial crisis. Still, revenue is forecast to edge upwards at a compound annual rate of 0.6% over the five years through 2025 to €622.9 billion, including an anticipated rise of 0.8% in 2025. Despite weak revenue growth, profitability remains strong, with the average industry profit margin standing at an estimated 18.9% in 2025. Central banks across Europe adopted aggressive monetary policy in the two years through 2023 in an effort to curb spiralling inflation. This ratcheted up borrowing costs and hit the real estate sector. In the residential property market, mortgage rates picked up and hit housing transaction levels. However, the level of mortgage rate hikes has varied across Europe, with the UK experiencing the largest rise, meaning the dent to UK real estate demand was more pronounced. Commercial real estate has also struggled due to inflationary pressures, supply chain disruptions and rising rates. Alongside this, the market’s stock of office space isn’t able to satisfy business demand, with companies placing a greater emphasis on high-quality space and environmental impact. Properties in many areas haven't been suitable due to their lack of green credentials. Nevertheless, things are looking up, as interest rates have been falling across Europe over the two years through 2025, reducing borrowing costs and boosting the number of property transactions, which is aiding revenue growth for estate agents. Revenue is slated to grow at a compound annual rate of 4.5% over the five years through 2030 to €777.6 billion. Economic conditions are set to improve in the short term, which will boost consumer and business confidence, ramping up the number of property transactions in both the residential and commercial real estate markets. However, estate agents may look to adjust their offerings to align with the data centre boom to soak up the demand from this market, while also adhering to sustainability commitments.

  19. Volume of new mortgage lending in the Netherlands 2013-2022

    • statista.com
    Updated Jul 9, 2025
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    Statista (2025). Volume of new mortgage lending in the Netherlands 2013-2022 [Dataset]. https://www.statista.com/statistics/1339173/monthly-volume-of-new-mortgages-in-the-netherlands/
    Explore at:
    Dataset updated
    Jul 9, 2025
    Dataset authored and provided by
    Statistahttp://statista.com/
    Time period covered
    Jan 2013 - Aug 2022
    Area covered
    Netherlands
    Description

    The value of new mortgage lending in the Netherlands decreased for a fifth month in a row in August 2022, reaching approximately **** billion euros. Compared to the same month the previous year, this was a decrease of approximately ** percent. The housing market in the Netherlands has started to cool down, as interest rates rise in response to the growing inflation.

  20. t

    Netherlands Auto Finance Market Overview and Size

    • tracedataresearch.com
    Updated May 14, 2025
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    TraceData Research (2025). Netherlands Auto Finance Market Overview and Size [Dataset]. https://www.tracedataresearch.com/industry-report/netherlands-auto-finance-market
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    Dataset updated
    May 14, 2025
    Dataset authored and provided by
    TraceData Research
    Area covered
    Netherlands
    Description

    Market Size for Netherlands Auto Finance Industry on the Basis of Loan Disbursed, 2018–2023 In 2023, ABN AMRO expanded its digital auto loan offerings to include AI-driven credit assessments, significantly reducing processing time. Major urban centers likeAmsterdam, Rotterdam, and Utrechtremain focal points of auto loan disbursement due to their high car ownership rates and well-developed transportation ecosystems. The Netherlands auto finance market reached a valuation ofEUR 19.5 Billion in 2023, driven by rising vehicle ownership, an increasing preference for financing over outright purchases, and the expansion of digital lending platforms. Key players such asALFAM, ABN AMRO, ING Lease, Volkswagen Pon Financial Services, and Santander Consumer Financedominate the market with strong digital capabilities, competitive interest rates, and robust partnerships with car dealerships across the country.

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Statista (2025). Historical mortgage rates in the Netherlands 2003-2024, by mortgage term [Dataset]. https://www.statista.com/statistics/596336/interest-rate-for-new-mortgages-in-the-netherlands/
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Historical mortgage rates in the Netherlands 2003-2024, by mortgage term

Explore at:
Dataset updated
Jun 20, 2025
Dataset authored and provided by
Statistahttp://statista.com/
Area covered
Netherlands
Description

Mortgage rates in the Netherlands increased sharply in 2022 and 2023, after declining gradually between 2008 and 2021. In December 2022, the average interest rate for new mortgage loans stood at **** percent, and by the end of 2023, it had risen to **** percent. The 10-year interest rate was the lowest, at **** percent; the floating and less than one-year interest rates amounted to **** and **** percent, respectively. In early 2024, mortgage rates decreased notably. Are mortgage rates in the Netherlands different from those in other European countries? When comparing this ranking to data that covers multiple European countries, the Netherlands’ mortgage rate was similar to the rates found in Spain, the United Kingdom, and Sweden. It was, however, a lot lower than the rates in Eastern Europe. Hungary and Romania, for example, had some of the highest mortgage rates. For more information on the European mortgage market and how much the countries differ from each other, please visit this dedicated research page. How big is the mortgage market in the Netherlands? The Netherlands has overall seen an increase in the number of mortgage loans sold and is regarded as one of the countries with the highest mortgage debt in Europe. The reason behind this is that Dutch homeowners were able to for many years to deduct interest paid from pre-tax income (a system known in the Netherlands as hypotheekrenteaftrek). Total mortgage debt of Dutch households has been increasing year-on-year since 2013.

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