The European Central Bank (ECB) published September 2026 bank interest rate data showing higher corporate borrowing costs and increased rates on new deposits with agreed maturity across the euro area, while housing loan costs remained broadly stable. The composite cost of borrowing for new loans to non-financial corporations rose by 13 basis points to 3.90%. The corresponding indicator for household house purchases remained broadly unchanged at 3.62%, while rates on new consumer loans fell by 12 basis points to 7.82%. Rates on new deposits with agreed maturity increased for both corporations and households. The composite corporate deposit rate rose by 23 basis points to 2.48%, while the household rate increased by 19 basis points to 2.37%. Overnight deposit rates showed a different pattern: the corporate rate rose by 7 basis points to 0.68%, but the household rate remained broadly unchanged at 0.30%.
ECB reports euro area corporate borrowing costs rise 13 basis points to 3.90% in September
The European Central Bank’s September 2026 data show euro area corporate borrowing costs rose 13 basis points to 3.90%, while household housing loan costs remained broadly unchanged at 3.62%. Consumer loan rates declined by 12 basis points to 7.82%. Rates on new deposits with agreed maturity increased to 2.48% for corporations and 2.37% for households.