Euro Area Bank Interest Rate Statistics 1 October

• Composite cost-of-borrowing indicator for new loans to corporations decreased by 6 basis points to 3.46%; indicator for new loans to households for house purchase broadly unchanged at 3.31%
• Composite interest rate for new deposits with agreed maturity from corporations and for overnight deposits from corporations unchanged at 1.89% and 0.51%, respectively
• Composite interest rate for new deposits with agreed maturity from households broadly unchanged at 1.76%; interest rate for overnight deposits from households unchanged at 0.25%

Bank interest rates for corporations

Chart 1

Bank interest rates on new loans to, and deposits from, euro area corporations

(percentages per annum)

Data for cost of borrowing and deposit interest rates for corporations (Chart 1)

The composite cost-of-borrowing indicator, which combines interest rates on all loans to corporations, decreased in August 2025. The interest rate on new loans of over €1 million with a floating rate and an initial rate fixation period of up to three months decreased by 17 basis points to 3.07%. The rate on new loans of the same size with an initial rate fixation period of over three months and up to one year fell by 6 basis points to 3.35%. The interest rate on new loans of over €1 million with an initial rate fixation period of over ten years remained broadly unchanged at 3.55%. In the case of new loans of up to €250,000 with a floating rate and an initial rate fixation period of up to three months, the average rate charged rose by 7 basis points to 3.59%, driven by both the interest rate and the weight effects.

As regards new deposit agreements, the interest rate on deposits from corporations with an agreed maturity of up to one year stayed constant at 1.88% in August 2025. The interest rate on overnight deposits from corporations stayed constant at 0.51%.

The interest rate on new loans to sole proprietors and unincorporated partnerships with a floating rate and an initial rate fixation period of up to one year showed no change at 3.95%.

Table 1

Bank interest rates for corporations

Data for bank interest rates for corporations (Table 1)

Bank interest rates for households

Chart 2

Bank interest rates on new loans to, and deposits from, euro area households

Data for cost of borrowing and deposit interest rate for households (Chart 2)

The composite cost-of-borrowing indicator, which combines interest rates on all loans to households for house purchase, remained broadly unchanged in August 2025. The interest rate on loans for house purchase with a floating rate and an initial rate fixation period of up to one year remained broadly unchanged at 3.59%. The rate on housing loans with an initial rate fixation period of over one and up to five years stayed almost constant at 3.41%. The interest rate on loans for house purchase with an initial rate fixation period of over five and up to ten years remained broadly unchanged at 3.46%. The rate on housing loans with an initial rate fixation period of over ten years rose by 6 basis points to 3.18%, driven by both the interest rate and the weight effects. In the same period the interest rate on new loans to households for consumption increased by 5 basis points to 7.51%, driven by both the interest rate and the weight effects.

As regards new deposits from households, the interest rate on deposits with an agreed maturity of up to one year remained broadly unchanged at 1.71%. The rate on deposits redeemable at three months' notice fell by 21 basis points to 1.22%. The interest rate on overnight deposits from households showed no change at 0.25%.

Table 2

Bank interest rates for households

Data for bank interest rates for households (Table 2)