Mortgage rate: new loans to households for house purchase (ECB): Germany
The latest reading SOTW holds for Germany is 4.09% p.a. for 2026-09, from European Central Bank.
Source series · Listed tier · Interest Rates · Monthly · % p.a. · ECB.L.MIR.MORTGAGE.M · DEU
Listed tier: bulk-loaded from the publisher's file as published; not individually reviewed by SOTW.
- Latest
- 4.09
- % p.a. · 2026-09
- Previous
- 4.01
- % p.a. · 2026-08
- Oldest shown
- 1.62
- % p.a. · 2016-10
- Readings shown
- 120
- Newest readings; the full history is in the API
Germany · history
% p.a. · Monthly
Readings, newest first
| Period | Value (% p.a.) |
|---|---|
| 2026-09 | 4.09 |
| 2026-08 | 4.01 |
| 2026-07 | 3.93 |
| 2026-06 | 3.95 |
| 2026-05 | 3.93 |
| 2026-04 | 3.84 |
| 2026-03 | 3.72 |
| 2026-02 | 3.77 |
| 2026-01 | 3.77 |
| 2025-12 | 3.71 |
| 2025-11 | 3.70 |
| 2025-10 | 3.71 |
| 2025-09 | 3.74 |
| 2025-08 | 3.71 |
| 2025-07 | 3.68 |
| 2025-06 | 3.68 |
| 2025-05 | 3.66 |
| 2025-04 | 3.69 |
| 2025-03 | 3.60 |
| 2025-02 | 3.58 |
| 2025-01 | 3.52 |
| 2024-12 | 3.56 |
| 2024-11 | 3.59 |
| 2024-10 | 3.65 |
| 2024-09 | 3.73 |
| 2024-08 | 3.83 |
| 2024-07 | 3.92 |
| 2024-06 | 3.95 |
| 2024-05 | 3.91 |
| 2024-04 | 3.86 |
| 2024-03 | 3.83 |
| 2024-02 | 3.88 |
| 2024-01 | 3.85 |
| 2023-12 | 4.05 |
| 2023-11 | 4.22 |
| 2023-10 | 4.18 |
| 2023-09 | 4.12 |
| 2023-08 | 4.14 |
| 2023-07 | 4.02 |
| 2023-06 | 4.06 |
| 2023-05 | 3.94 |
| 2023-04 | 3.93 |
| 2023-03 | 3.88 |
| 2023-02 | 3.79 |
| 2023-01 | 3.66 |
| 2022-12 | 3.52 |
| 2022-11 | 3.60 |
| 2022-10 | 3.25 |
| 2022-09 | 3.01 |
| 2022-08 | 2.84 |
| 2022-07 | 2.80 |
| 2022-06 | 2.57 |
| 2022-05 | 2.25 |
| 2022-04 | 1.94 |
| 2022-03 | 1.65 |
| 2022-02 | 1.45 |
| 2022-01 | 1.35 |
| 2021-12 | 1.32 |
| 2021-11 | 1.32 |
| 2021-10 | 1.28 |
| 2021-09 | 1.26 |
| 2021-08 | 1.27 |
| 2021-07 | 1.31 |
| 2021-06 | 1.29 |
| 2021-05 | 1.27 |
| 2021-04 | 1.23 |
| 2021-03 | 1.18 |
| 2021-02 | 1.17 |
| 2021-01 | 1.19 |
| 2020-12 | 1.16 |
| 2020-11 | 1.17 |
| 2020-10 | 1.19 |
| 2020-09 | 1.21 |
| 2020-08 | 1.23 |
| 2020-07 | 1.27 |
| 2020-06 | 1.34 |
| 2020-05 | 1.33 |
| 2020-04 | 1.25 |
| 2020-03 | 1.22 |
| 2020-02 | 1.28 |
| 2020-01 | 1.34 |
| 2019-12 | 1.29 |
| 2019-11 | 1.26 |
| 2019-10 | 1.27 |
| 2019-09 | 1.28 |
| 2019-08 | 1.38 |
| 2019-07 | 1.49 |
| 2019-06 | 1.57 |
| 2019-05 | 1.63 |
| 2019-04 | 1.67 |
| 2019-03 | 1.74 |
| 2019-02 | 1.78 |
| 2019-01 | 1.86 |
| 2018-12 | 1.85 |
| 2018-11 | 1.88 |
| 2018-10 | 1.86 |
| 2018-09 | 1.86 |
| 2018-08 | 1.87 |
| 2018-07 | 1.88 |
| 2018-06 | 1.90 |
| 2018-05 | 1.91 |
| 2018-04 | 1.89 |
| 2018-03 | 1.89 |
| 2018-02 | 1.84 |
| 2018-01 | 1.82 |
| 2017-12 | 1.79 |
| 2017-11 | 1.84 |
| 2017-10 | 1.85 |
| 2017-09 | 1.86 |
| 2017-08 | 1.87 |
| 2017-07 | 1.82 |
| 2017-06 | 1.82 |
| 2017-05 | 1.83 |
| 2017-04 | 1.85 |
| 2017-03 | 1.82 |
| 2017-02 | 1.81 |
| 2017-01 | 1.77 |
| 2016-12 | 1.66 |
| 2016-11 | 1.62 |
| 2016-10 | 1.62 |
Source: European Central Bank. Newest 120 readings shown, 2016-10 to 2026-09. n/a means the source value is missing or withheld.