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

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%.

- Source agency: European Central Bank
- Makrognosis code: `EA.LENDRATE.M.NSA.GRP-HOUSING`
- Frequency: monthly
- Units: % per annum
- Coverage: 2003-01-01 to 2026-09-01 (285 observations)
- Page: https://makrognosis.robomacro.com/data/euro-area/composite-cost-of-borrowing-indicator-for-households-for-house-purchase

## Recent data

| Period | Value |
|---|---:|
| September 2026 | 3.6% |
| August 2026 | 3.6% |
| July 2026 | 3.5% |
| June 2026 | 3.5% |
| May 2026 | 3.5% |
| April 2026 | 3.4% |
| March 2026 | 3.4% |
| February 2026 | 3.4% |
| January 2026 | 3.4% |
| December 2025 | 3.3% |
| November 2025 | 3.3% |
| October 2025 | 3.3% |
| September 2025 | 3.3% |
| August 2025 | 3.3% |
| July 2025 | 3.3% |
| June 2025 | 3.3% |
| May 2025 | 3.3% |
| April 2025 | 3.3% |
| March 2025 | 3.3% |
| February 2025 | 3.3% |
| January 2025 | 3.2% |
| December 2024 | 3.4% |
| November 2024 | 3.5% |
| October 2024 | 3.5% |

## API

```
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"]
```