Makrognosis

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

MonthlyNot seasonally adjustedCode FI.BANKRATEHH.M.NSA

Latest3.4%September 2026
Previous3.2%August 2026
Year ago2.8%September 2025

Finland Cost of borrowing for households for house purchase (new business) was 3.4% in September 2026, up 0.1 percentage points from August 2026 and up 0.6 percentage points from a year earlier.

That is the highest reading since October 2024.

Over the past ten years it has ranged from 0.7% (Nov 2020) to 4.4% (Oct 2023), averaging 1.9%.

Finland Cost of borrowing for households for house purchase (new business) (% per annum), Jan 2000 – Sep 20260%2%4%6%200020052010201520202025Robomacro
Finland 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 20263.4%
August 20263.2%
July 20263.2%
June 20263.1%
May 20263.1%
April 20263.0%
March 20263.0%
February 20262.8%
January 20262.8%
December 20252.8%
November 20252.8%
October 20252.8%
September 20252.8%
August 20252.8%
July 20252.8%
June 20252.7%
May 20252.8%
April 20252.9%
March 20253.1%
February 20253.1%
January 20253.2%
December 20243.2%
November 20243.3%
October 20243.5%

Last 24 observations. The full history (321 observations) is available through the API.

Get Finland 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/FI.BANKRATEHH.M.NSA"

# Python
import requests
r = requests.get("https://makrognosis.robomacro.com/v1/series/FI.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
Observations321
FrequencyMonthly
Units% per annum
AdjustmentNot seasonally adjusted
10-year high4.4% (Oct 2023)
10-year low0.7% (Nov 2020)
10-year average1.9%
Source agencyEuropean Central Bank
Makrognosis codeFI.BANKRATEHH.M.NSA

Other Finland indicators

Finland GDP (Gross Domestic Product)Finland Gross domestic product, Current prices, million EURFinland Inflation Rate (CPI)Finland Core Inflation RateFinland Unemployment RateFinland 10-Year Government Bond YieldFinland Credit Rating & Sovereign Risk ScoreFinland Industrial ProductionFinland Retail SalesFinland Producer Price Inflation (PPI)Finland Current account balance (BPM6, vs rest of world), not seasonally adjustedFinland Current account balance, % of GDPFinland Trade Balance: Goods & ServicesFinland Exports of goods and services, Current prices, million EURFinland Exports of goods and services, chain-linked volumeFinland Exports of goods, total trade (World), seasonally adjusted

FAQ

What is the current cost of borrowing for households for house purchase (new business) in Finland?
The latest reading is 3.4% 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 FI.BANKRATEHH.M.NSA.

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