Makrognosis

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

MonthlyNot seasonally adjustedCode DE.BANKRATEHH.M.NSA

Latest4.1%September 2026
Previous4.0%August 2026
Year ago3.7%September 2025
Next release2 Dec 2026expected

Germany Cost of borrowing for households for house purchase (new business) was 4.1% in September 2026, up 0.08 percentage points from August 2026 and up 0.3 percentage points from a year earlier.

That is the highest reading since November 2023.

Over the past ten years it has ranged from 1.2% (Dec 2020) to 4.2% (Nov 2023), averaging 2.5%.

The next update is expected on 2 December 2026.

Germany Cost of borrowing for households for house purchase (new business) (% per annum), Jan 2000 – Sep 20260%2%4%6%8%200020052010201520202025Robomacro
Germany 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 20264.1%
August 20264.0%
July 20263.9%
June 20264.0%
May 20263.9%
April 20263.8%
March 20263.7%
February 20263.8%
January 20263.8%
December 20253.7%
November 20253.7%
October 20253.7%
September 20253.7%
August 20253.7%
July 20253.7%
June 20253.7%
May 20253.7%
April 20253.7%
March 20253.6%
February 20253.6%
January 20253.5%
December 20243.6%
November 20243.6%
October 20243.6%

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

Get Germany 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/DE.BANKRATEHH.M.NSA"

# Python
import requests
r = requests.get("https://makrognosis.robomacro.com/v1/series/DE.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 high4.2% (Nov 2023)
10-year low1.2% (Dec 2020)
10-year average2.5%
Source agencyEuropean Central Bank
Makrognosis codeDE.BANKRATEHH.M.NSA

Other Germany indicators

Germany GDP (Gross Domestic Product)Germany Gross domestic product, Current prices, million EURGermany Inflation Rate (CPI)Germany Core Inflation RateGermany Unemployment RateGermany 10-Year Government Bond YieldGermany Credit Rating & Sovereign Risk ScoreGermany Industrial ProductionGermany Retail SalesGermany Producer Price Inflation (PPI)Germany Current account balance (BPM6, vs rest of world), not seasonally adjustedGermany Current account balance, % of GDPGermany Trade Balance: Goods & ServicesGermany Exports of goods and services, Current prices, million EURGermany Exports of goods and services, chain-linked volumeGermany Exports of goods, total (World), calendar+seasonally adjusted

FAQ

What is the current cost of borrowing for households for house purchase (new business) in Germany?
The latest reading is 4.1% for September 2026, published by European Central Bank.
When is the next Germany cost of borrowing for households for house purchase (new business) release?
The next update is expected on 2 December 2026.
Where does this data come from?
It is collected directly from European Central Bank and is available through the Makrognosis API under the code DE.BANKRATEHH.M.NSA.

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