Bank Lending Rate In the Euro Area decreased to 3.81 percent in May from 3.92 percent in April of 2025. This dataset provides - Euro Area Bank Lending Rate - actual values, historical data, forecast, chart, statistics, economic calendar and news.

As of January 2025, Latvia was the euro area country with the highest interest rate for loans. The long-term maturities in that Baltic country were on average over 8.19 percent. Meanwhile, the composite cost for short-term loans in Malta amounted to 3.65 percent, which was the lowest rate in the Eurozone.

Graph and download economic data for ECB Marginal Lending Facility Rate for Euro Area (ECBMLFR) from 1999-01-01 to 2025-07-31 about margin, overnight, Euro Area, Europe, loans, and rate.

The benchmark interest rate In the Euro Area was last recorded at 2.15 percent. This dataset provides - Euro Area Interest Rate - actual values, historical data, forecast, chart, statistics, economic calendar and news.

The average interest rate of loans from monetary financial institutions to non-financial corporations in the euro area overall has decreased significantly in 2024 and 2025. In January of 2024 it amounted to 5.16, and by March 2025 it had fallen to 3.93 percent. These figures are a composite cost-of-borrowing indicator that shows the average interest rate of business loans (non-financial), taking into account those with different loan terms or for different amounts.

As of July 2024, Estonia was the country in the euro area with the highest annualised interest rate for consumer loans and other credit amounting to over 14 percent. The average interest rate for a consumer loan in the euro area was approximately 7.8 percent. Meanwhile, consumer loans with a maturity of over five year had the highest interest rates in the eurozone in 2024.

As of July 2024, consumer loans with a maturity date of over five years had the highest interest rate at 8.27 percent. In contrast, the consumer loans with the lowest interest rate were those with collateral or guarantees and a maturity date from up to one year.

European Union - Housing cost overburden rate: Owner, no outstanding mortgage or housing loan was 4.40% in December of 2024, according to the EUROSTAT. Trading Economics provides the current actual value, an historical data chart and related indicators for European Union - Housing cost overburden rate: Owner, no outstanding mortgage or housing loan - last updated from the EUROSTAT on July of 2025. Historically, European Union - Housing cost overburden rate: Owner, no outstanding mortgage or housing loan reached a record high of 7.40% in December of 2013 and a record low of 4.20% in December of 2020.

Luxembourg, the Netherlands, and Malta were the Eurozone countries with the lowest average interest rates on non-financial corporations as of July 2024. Meanwhile, the average business loan interest rate for the euro area was 5.06 percent. On the other side of the spectrum, Estonia and Latvia were two of the countries with the highest business loan interest rates. The interest rates on consumer loans in Eurozone countries were even more varied.

As of October 2024, the volume of corporate loans in the eurozone was slightly higher than in the previous year. The monthly year-on-year change of corporate loans in the Euro area fluctuated significantly since January 2006, reaching negative growth rates in various occasions during the economic crisis of 2007.

Analysis of ‘Bank interest rates - Loans to euro area housholds’ provided by Analyst-2 (analyst-2.ai), based on source dataset retrieved from http://data.europa.eu/88u/dataset/bank-interest-rates-loans-households on 08 January 2022.

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The bank interest rate statistics cover those rates that resident monetary financial institutions apply to euro-denominated deposits and loans by households and non-financial corporations that are residents of the euro area. These statistics are used for the analysis of monetary developments and the monetary transmission mechanism as well as for the monitoring of financial stability.

This dataset covers Euro-denominated loans to euro area households (percentages per annum, rates on new business).

--- Original source retains full ownership of the source dataset ---

Euro Bölgesi'nde Kredi Faiz Oranı Temmuz ayında %2,40 seviyesinde sabit kaldı. Bu sayfa - Euro Bölgesi Kredi Faizi- gerçek değerleri, tarihsel verileri, tahminleri, grafikleri, istatistikleri, ekonomik takvimi ve haberleri sağlar.

Analysis of ‘Banks balance sheet - Growth rates of loans from euro area households and non-financial corporations’ provided by Analyst-2 (analyst-2.ai), based on source dataset retrieved from http://data.europa.eu/88u/dataset/bank-balance-sheet-loans-growth-rates on 10 January 2022.

--- Dataset description provided by original source is as follows ---

Monetary financial institution balance sheet statistics, growth rates of total loans to euro area households and non-financial corporations, as well as to euro area insurance corporations and pension funds and to other financial intermediaries (all currencies combined, all maturities, not seasonally adjusted, annual percentage changes).

--- Original source retains full ownership of the source dataset ---

Lithuania Lending Rate: OA: Euro Area: Households: Consumer Credit and Other Loans (CC) data was reported at 6.620 % pa in Sep 2018. This records a decrease from the previous number of 6.630 % pa for Aug 2018. Lithuania Lending Rate: OA: Euro Area: Households: Consumer Credit and Other Loans (CC) data is updated monthly, averaging 6.400 % pa from Jan 2015 (Median) to Sep 2018, with 45 observations. The data reached an all-time high of 6.670 % pa in Nov 2017 and a record low of 6.330 % pa in Jan 2015. Lithuania Lending Rate: OA: Euro Area: Households: Consumer Credit and Other Loans (CC) data remains active status in CEIC and is reported by Bank of Lithuania. The data is categorized under Global Database’s Lithuania – Table LT.M007: Lending Rate: Outstanding Amount.

The variables included in the dataset are real GDP (seasonally adjusted, in log-levels, https://sdw.ecb.de/quickview.do?SERIES_KEY=314.MNA.Q.Y.AT.W2.S1.S1.B.B1GQ._Z._Z._Z.EUR.LR.N), the GDP Deflator (seasonally adjusted, in log-levels, https://data.ecb.europa.eu/data/datasets/MNA/MNA.Q.Y.AT.W2.S1.S1.B.B1GQ._Z._Z._Z.IX.D.N), CPI (food and energy excluded, base year 2015, seasonally adjusted, enters in log-levels, https://www.oecd.org/en/data/indicators/inflation-cpi.html}{retrieved from OECD Data Archive), the EUR/USD exchange rate (https://data.ecb.europa.eu/data/datasets/EXR/EXR.D.USD.EUR.SP00.A), a measure of bank concentration by country (interpolated to a quarterly series from yearly values, only contemporaneous values included, https://data.ecb.europa.eu/data/datasets/SSI/SSI.A.AT.122C.H10.X.A1.Z0Z.Z) the cost of new short-term (https://data.ecb.europa.eu/data/datasets/MIR/MIR.M.U2.B.A2J.FM.R.A.2230.EUR.N) and long-term (https://data.ecb.europa.eu/data/datasets/MIR/MIR.M.U2.B.A2J.KM.R.A.2230.EUR.N) borrowing in the euro area, the monetary policy shocks as in Altavilla et al. (2019) (https://doi.org/10.1016/j.jmoneco.2019.08.016), which were summed up to quarterly values, and finally the loans granted by Euro Area Monetary Financial Institutions to domestic non financial corporations (https://data.ecb.europa.eu/data/datasets/QSA/QSA.Q.N.AT.W2.S12K.S11.N.A.LE.F4.T.Z.XDC.T.S.V.N.T). To conclude, the time series on loans granted by investment funds and the aggregate size of the bonds issued by non-financial corporations that are held/issued by each country (retrieved from the Securities Holdings Statistics by Sector dataset) are confidential series and cannot be shared.

Lithuania Lending Rate: OA: Euro Area: Households data was reported at 2.640 % pa in Sep 2018. This records an increase from the previous number of 2.630 % pa for Aug 2018. Lithuania Lending Rate: OA: Euro Area: Households data is updated monthly, averaging 2.670 % pa from Jan 2015 (Median) to Sep 2018, with 45 observations. The data reached an all-time high of 2.810 % pa in Jan 2015 and a record low of 2.580 % pa in Mar 2018. Lithuania Lending Rate: OA: Euro Area: Households data remains active status in CEIC and is reported by Bank of Lithuania. The data is categorized under Global Database’s Lithuania – Table LT.M007: Lending Rate: Outstanding Amount.

Euro Area - Overcrowding rate: Owner, with mortgage or loan was 7.30% in December of 2024, according to the EUROSTAT. Trading Economics provides the current actual value, an historical data chart and related indicators for Euro Area - Overcrowding rate: Owner, with mortgage or loan - last updated from the EUROSTAT on July of 2025. Historically, Euro Area - Overcrowding rate: Owner, with mortgage or loan reached a record high of 7.50% in December of 2021 and a record low of 6.10% in December of 2011.

The average for 2023 based on 17 countries was 8.37 percent. The highest value was in Ukraine: 22.11 percent and the lowest value was in Switzerland: 2.86 percent. The indicator is available from 1960 to 2023. Below is a chart for all countries where data are available.

In 2024, mortgages made up the largest share of loans to households in the Eurozone, with an outstanding amount of over ************* euros. In contrast, the value of the consumer credit granted to European households amounted to approximately *** billion euros. Sole proprietor loans, which refer to lending granted to a business that is owned and operated by a single person, amounted to *** billion euros in 2024, a lower figure than in previous years.

In France, the outstanding amount of loans to non-financial corporations with a maturity of over five years was valued at one billion euros as of July 2024. Meanwhile, outstanding business loans with the same maturity in Germany amounted to 918 billion euros during that period. The total value of loans and advances in the European Union was forecasted to keep growing in 2025.