Makrognosis

Euro Area Composite cost-of-borrowing indicator for households for house purchase, new business

MonthlyNot seasonally adjustedCode EA.LENDRATE.M.NSA.GRP-HOUSING

Latest3.6%September 2026
Previous3.6%August 2026
Year ago3.3%September 2025

Euro Area Composite cost-of-borrowing indicator for households for house purchase, new business was 3.6% in September 2026, unchanged from August 2026 and up 0.3 percentage points from a year earlier.

That is the highest reading since September 2024.

Over the past ten years it has ranged from 1.3% (Sep 2021) to 4.0% (Nov 2023), averaging 2.4%.

Euro Area Composite cost-of-borrowing indicator for households for house purchase, new business (% per annum), Jan 2003 – Sep 20261%2%3%4%5%6%20052010201520202025Robomacro
Euro Area Composite cost-of-borrowing indicator for households for house purchase, new business (% per annum), Jan 2003 – 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 20263.6%
August 20263.6%
July 20263.5%
June 20263.5%
May 20263.5%
April 20263.4%
March 20263.4%
February 20263.4%
January 20263.4%
December 20253.3%
November 20253.3%
October 20253.3%
September 20253.3%
August 20253.3%
July 20253.3%
June 20253.3%
May 20253.3%
April 20253.3%
March 20253.3%
February 20253.3%
January 20253.2%
December 20243.4%
November 20243.5%
October 20243.5%

Last 24 observations. The full history (285 observations) is available through the API.

Get Euro Area Composite cost-of-borrowing indicator 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/EA.LENDRATE.M.NSA.GRP-HOUSING"

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

About this series

Latest observationSeptember 2026
First observationJanuary 2003
Observations285
FrequencyMonthly
Units% per annum
AdjustmentNot seasonally adjusted
10-year high4.0% (Nov 2023)
10-year low1.3% (Sep 2021)
10-year average2.4%
Source agencyEuropean Central Bank
Makrognosis codeEA.LENDRATE.M.NSA.GRP-HOUSING

More Euro Area LENDRATE series

Euro Area Bank lending rate to households for consumer credit, new businessEuro Area Composite cost-of-borrowing indicator for non-financial corporations, new business

Other Euro Area indicators

Euro Area GDP (Gross Domestic Product)Euro Area Real GDP (Current prices, million EURs, 2010 ref)Euro Area Inflation Rate (CPI)Euro Area Core Inflation RateEuro Area Unemployment RateEuro Area 10-Year Government Bond YieldEuro Area Industrial ProductionEuro Area Retail SalesEuro Area Producer Price Inflation (PPI)Euro Area Current account balance (BPM6, extra-euro-area), not seasonally adjustedEuro Area Trade Balance: Goods & ServicesEuro Area Exports of goods (BPM6 credits, extra-euro-area), not seasonally adjustedEuro Area Exports of goods and services, Current prices, million EUREuro Area Exports of goods and services, chain-linked volumeEuro Area Imports of goods (BPM6 debits, extra-euro-area), not seasonally adjustedEuro Area Imports of goods and services, Current prices, million EUR

FAQ

What is the current composite cost-of-borrowing indicator for households for house purchase, new business in Euro Area?
The latest reading is 3.6% 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 EA.LENDRATE.M.NSA.GRP-HOUSING.

Last updated 2026-11-02. Source: European Central Bank. Original title: “Euro area - Composite cost-of-borrowing indicator for households for house purchase, new business”.