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 **** percent, and by the end of 2023, it had risen to **** percent. In May 2025, mortgage rates decreased slightly, falling to **** percent on average. Mortgages with a 10-year fixed rate were the most affordable, at **** 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.

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.

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.

Bank Lending Rate in Netherlands increased to 2.40 percent in September from 2.39 percent in August of 2025. This dataset provides - Netherlands Bank Lending Rate - actual values, historical data, forecast, chart, statistics, economic calendar and news.

The average interest rate for outstanding mortgages in the Netherlands declined from 2003 to 2022, followed by an increase in 2023. In September 2023, the interest rate reached an average of *** percent. That increase was much stronger for loans with shorter maturity.

The Dutch Central Bank (DNB) estimated that the growth of mortgage lending will slow down in 2023 and 2024, after originations rose by *** percent in 2022. That can be explained with the accelerated house price growth in recent years and the higher interest rates, eroding housing affordability. Within Europe, the Netherlands counts as one of the countries with the highest mortgage debt among private individuals. This has a political background as the Dutch tax system allowed homeowners to deduct interest paid on mortgage from pre-tax income for a maximum period of thirty year, essentially allowing for income support for homeowners. In the Netherlands, this system is known as hypotheekrenteaftrek.

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.

Key information about Netherlands Long Term Interest Rate

• Netherlands Long Term Interest Rate: Month Avg: Netherlands: ECB Harmonised was reported at 2.79 % pa in Oct 2025, compared with 2.88 % pa in the previous month.
• Netherlands Long Term Interest Rate data is updated monthly, available from Apr 1986 to Oct 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.

• 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 2.15 % pa in Nov 2025.
• Netherlands Exchange Rate against USD averaged 0.86 (USD/EUR) in Oct 2025.

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 November 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.

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 November 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.

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.

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.

Banks accounted for the largest share of mortgage lending in the Netherlands in the last quarter of 2024. The top three banks in the Netherlands alone were responsible for over 47 percent of mortgage lending in that period. In recent years, the housing market has continued to rise in the Netherlands due to the asset purchase programme (APP) of the European Central Bank and the, consequently, low mortgage rates. This can be seen in the number of registered transactions, which has risen by over 100 percent since 2013.

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.

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 November 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.

Mortgage credit interest rate, percent in Pays-Bas, août, 2025 Pour cet indicateur, Netherlands Bank fournit des données pour la Pays-Bas de janvier 2003 à août 2025. La valeur moyenne pour Pays-Bas pendant cette période était de 3.96 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

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.

Netherlands NL: Composition & Asset Quality: NPL & Advances at Amortised Cost: ow Mortgages data was reported at 7.500 EUR bn in Dec 2024. This records an increase from the previous number of 6.200 EUR bn for Sep 2024. Netherlands NL: Composition & Asset Quality: NPL & Advances at Amortised Cost: ow Mortgages data is updated quarterly, averaging 6.200 EUR bn from Sep 2019 (Median) to Dec 2024, with 22 observations. The data reached an all-time high of 7.500 EUR bn in Dec 2024 and a record low of 5.300 EUR bn in Sep 2022. Netherlands NL: Composition & Asset Quality: NPL & Advances at Amortised Cost: ow Mortgages data remains active status in CEIC and is reported by European Banking Authority. The data is categorized under Global Database’s Netherlands – Table NL.EBA: Non Performing Loans Ratio: Loans and Advances.

Netherlands NL: Composition & Asset Quality: Loans & Advances at Amortised Cost: ow Mortgages data was reported at 750.600 EUR bn in Dec 2024. This records an increase from the previous number of 747.000 EUR bn for Sep 2024. Netherlands NL: Composition & Asset Quality: Loans & Advances at Amortised Cost: ow Mortgages data is updated quarterly, averaging 710.450 EUR bn from Sep 2019 (Median) to Dec 2024, with 22 observations. The data reached an all-time high of 750.600 EUR bn in Dec 2024 and a record low of 633.600 EUR bn in Sep 2019. Netherlands NL: Composition & Asset Quality: Loans & Advances at Amortised Cost: ow Mortgages data remains active status in CEIC and is reported by European Banking Authority. The data is categorized under Global Database’s Netherlands – Table NL.EBA: Non Performing Loans Ratio: Loans and Advances.

This statistic shows the interest rate for new mortgages in the Netherlands with an initial rate fixation between *** and five years from 2006 to 2016. In 2016, the interest rate was **** percent.