Euro area banks reported that the composite cost‑of‑borrowing indicator for new corporate loans remained unchanged at 3.50 % in November 2025, while the indicator for new household house‑purchase loans held steady at 3.30 %. Interest rates on new corporate deposits with a maturity of up to one year were flat at 1.93 %, and overnight corporate deposits stayed at 0.52 %. Household deposits showed similar stability, with up to one‑year rates at 1.80 % and overnight rates at 0.25 %. Specific loan categories saw small movements: the 1 million‑plus floating rate loan with a short fixation fell 4 bps to 3.15 %, whereas the same size loan with a medium fixation rose 7 bps to 3.33 %. Over‑ten‑year corporate loans increased 7 bps to 3.49 %, and small loans (up to €250,000) rose 8 bps to 3.67 %. Household house‑purchase rates for all fixation periods and consumption loans were unchanged, as were all deposit rates.
© European Central Bank, 2025.
Summary derived from the ECB website (https://www.ecb.europa.eu ).
https://www.ecb.europa.eu/press/stats/mfi/html/ecb.mir2601~37823a8505.en.html
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