Makrognosis

Estonia Cost of borrowing for households for house purchase (new business)

MonthlyNot seasonally adjustedCode EE.BANKRATEHH.M.NSA

Latest4.5%September 2026
Previous4.3%August 2026
Year ago3.8%September 2025

Estonia Cost of borrowing for households for house purchase (new business) was 4.5% in September 2026, up 0.2 percentage points from August 2026 and up 0.7 percentage points from a year earlier.

That is the highest reading since December 2024.

Over the past ten years it has ranged from 2.0% (Feb 2022) to 6.3% (Oct 2023), averaging 3.3%.

Estonia Cost of borrowing for households for house purchase (new business) (% per annum), Jan 2000 – Sep 20262%4%6%8%10%200020052010201520202025Robomacro
Estonia Cost of borrowing for households for house purchase (new business) (% per annum), Jan 2000 – Sep 2026. Source: European Central Bank.

Showing the full history (downsampled for display). Open the interactive chart to zoom and switch transforms.

Recent data

PeriodValue
September 20264.5%
August 20264.3%
July 20264.2%
June 20264.1%
May 20264.1%
April 20264.0%
March 20263.9%
February 20263.8%
January 20263.8%
December 20253.7%
November 20253.8%
October 20253.8%
September 20253.8%
August 20253.8%
July 20253.8%
June 20253.8%
May 20253.9%
April 20254.1%
March 20254.2%
February 20254.3%
January 20254.4%
December 20244.5%
November 20244.7%
October 20245.0%

Last 24 observations. The full history (303 observations) is available through the API.

Get Estonia Cost of borrowing for households for house purchase (new business) in your code or spreadsheet

One guessable code, agency-direct, updated on release. Free tier available.

curl -H "X-API-Key: $MAKROGNOSIS_KEY" \
  "https://makrognosis.robomacro.com/v1/series/EE.BANKRATEHH.M.NSA"

# Python
import requests
r = requests.get("https://makrognosis.robomacro.com/v1/series/EE.BANKRATEHH.M.NSA",
                 headers={"X-API-Key": KEY})
obs = r.json()["observations"]
Get a free API key → · API docs

About this series

Latest observationSeptember 2026
First observationJanuary 2000
Observations303
FrequencyMonthly
Units% per annum
AdjustmentNot seasonally adjusted
10-year high6.3% (Oct 2023)
10-year low2.0% (Feb 2022)
10-year average3.3%
Source agencyEuropean Central Bank
Makrognosis codeEE.BANKRATEHH.M.NSA

Other Estonia indicators

Estonia GDP (Gross Domestic Product)Estonia Gross domestic product, Current prices, million EUREstonia Inflation Rate (CPI)Estonia Core Inflation RateEstonia Unemployment RateEstonia 10-Year Government Bond YieldEstonia Credit Rating & Sovereign Risk ScoreEstonia Industrial ProductionEstonia Retail SalesEstonia Producer Price Inflation (PPI)Estonia Current account balance (BPM6, vs rest of world), not seasonally adjustedEstonia Current account balance, % of GDPEstonia Trade Balance: Goods & ServicesEstonia Exports of goods and services, Current prices, million EUREstonia Exports of goods and services, chain-linked volumeEstonia Exports of goods, total trade (World), seasonally adjusted

FAQ

What is the current cost of borrowing for households for house purchase (new business) in Estonia?
The latest reading is 4.5% for September 2026, published by European Central Bank.
Where does this data come from?
It is collected directly from European Central Bank and is available through the Makrognosis API under the code EE.BANKRATEHH.M.NSA.

Last updated 2026-11-03. Source: European Central Bank. Original title: “Estonia - Cost of borrowing for households for house purchase (new business)”.