Spain: Mortgage credit interest rate
* indicates monthly or quarterly data series
The most recent value is 2.83 percent as of September 2025, a decline compared to the previous value of 2.86 percent. Historically, the average for Spain from January 2003 to September 2025 is 2.73 percent. The minimum of 1.1 percent was recorded in August 2021, while the maximum of 5.72 percent was reached in November 2008.
Click on the following link to see the values of: Mortgage credit interest rate around the world.
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* indicates monthly or quarterly data series
- Measure: percent
- Source: Bank of Spain
| Recent values | Spain: Mortgage credit interest rate, percent |
|---|---|
| 2025 Sep | 2.83 |
| 2025 Aug | 2.86 |
| 2025 Jul | 2.91 |
| 2025 Jun | 2.96 |
| 2025 May | 3.02 |
| 2025 Apr | 3.09 |
| 2025 Mar | 3.13 |
| 2025 Feb | 3.19 |
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Definition: The mortgage credit interest rate is the average interest rate on mortgage loan products offered to individuals and households by the commercial banks in the country. The mortgage credit is a loan used to finance the purchase of real estate.
| Related indicators | Latest | Reference | Measure |
|---|---|---|---|
| Inflation | 2.8 | 2024 | percent |
| Exchange rate regimes | 7 | 2023 | index points |
| USD exchange rate | 0.8644 | 11/2025 | Local Currency Units per USD |
| Money supply (broad money) | 1,637.83 | 9/2025 | billion |
| Consumer Price Index (CPI) | 127.8200 | 11/2025 | index points |
| Inflation, monthly | -0.02 | 11/2025 | percent |
| Inflation, annual | 3.12 | 11/2025 | percent |
| Private sector credit | 1,150.48 | 9/2025 | billion |
| Business credit | 457.36 | 9/2025 | billion |
| Household credit | 693.13 | 9/2025 | billion |
| Mortgage credit | 506.70 | 9/2025 | billion |
| Consumer credit | 186.43 | 9/2025 | billion |
| Deposit interest rate | 1.69 | 9/2025 | percent |
| Business credit interest rate | 3.16 | 9/2025 | percent |
| Mortgage credit interest rate | 2.83 | 9/2025 | percent |
| Household debt to GDP | 43.50 | 3/2025 | percent |
| Debt service ratios for private non-financial sector | 12.20 | Q1/2025 | percent |