Makrognosis

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

MonthlyNot seasonally adjustedCode ES.BANKRATEHH.M.NSA

Latest3.0%September 2026
Previous3.0%August 2026
Year ago2.7%September 2025

Spain Cost of borrowing for households for house purchase (new business) was 3.0% in September 2026, unchanged from August 2026 and up 0.3 percentage points from a year earlier.

Over the past ten years it has ranged from 1.4% (Dec 2021) to 3.9% (Oct 2023), averaging 2.4%.

Spain Cost of borrowing for households for house purchase (new business) (% per annum), Jan 2000 – Sep 20260%2%4%6%200020052010201520202025Robomacro
Spain 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 20263.0%
August 20263.0%
July 20262.9%
June 20262.9%
May 20262.9%
April 20262.8%
March 20262.8%
February 20262.8%
January 20262.7%
December 20252.6%
November 20252.6%
October 20252.7%
September 20252.7%
August 20252.7%
July 20252.6%
June 20252.7%
May 20252.7%
April 20252.8%
March 20252.8%
February 20252.9%
January 20252.9%
December 20242.9%
November 20243.0%
October 20243.2%

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

Get Spain 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/ES.BANKRATEHH.M.NSA"

# Python
import requests
r = requests.get("https://makrognosis.robomacro.com/v1/series/ES.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 high3.9% (Oct 2023)
10-year low1.4% (Dec 2021)
10-year average2.4%
Source agencyEuropean Central Bank
Makrognosis codeES.BANKRATEHH.M.NSA

Other Spain indicators

Spain GDP (Gross Domestic Product)Spain GDP at market prices, current prices, SA+calendarSpain Inflation Rate (CPI)Spain Core Inflation RateSpain Unemployment RateSpain 10-Year Government Bond YieldSpain Credit Rating & Sovereign Risk ScoreSpain Industrial ProductionSpain Retail SalesSpain Producer Price Inflation (PPI)Spain Current account balance (Banco de Espana balance of payments, BE_17_1.1), EUR millionsSpain Current account balance, % of GDPSpain Trade Balance: Goods & ServicesSpain Exports of goods and services, Current prices, million EURSpain Exports of goods and services, chain-linked volumeSpain Exports of goods, total trade (World), seasonally adjusted

FAQ

What is the current cost of borrowing for households for house purchase (new business) in Spain?
The latest reading is 3.0% 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 ES.BANKRATEHH.M.NSA.

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