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Lending rates1 - new business

	2020	2021	2022	Feb. 23	Mar. 23	Apr. 23	May 23	June 23	July 23
	in % per annum
Loans2
to households3
for consumption
Total	5.22	5.63	6.28	8.08	8.09	8.22	8.33	8.65	8.71
with initial rate fixation
up to 1 year4	5.22	5.57	6.06	7.99	8.02	8.30	8.43	8.60	8.86
over 1 year and up to 5 years	4.01	4.26	4.88	6.08	6.17	6.02	6.28	7.52	7.10
over 5 years	5.84	6.35	7.35	9.11	9.23	9.18	9.17	9.30	9.27
annual percentage rate of charge5	7.16	7.38	7.77	9.31	9.23	9.35	9.49	9.80	9.87
for house purchases
Total	1.34	1.20	1.87	3.49	3.60	3.84	3.93	3.94	4.17
with initial rate fixation
up to 1 year4	1.11	0.97	1.55	3.63	3.78	4.06	4.21	4.26	4.58
over 1 year and up to 5 years	1.34	1.29	2.04	3.51	3.69	3.96	4.14	4.03	4.30
over 5 and up to 10 years	1.54	1.37	2.07	3.51	3.42	3.78	3.79	3.79	3.88
over 10 years	1.49	1.35	2.07	3.22	3.34	3.31	3.39	3.43	3.47
annual percentage rate of charge5	1.73	1.57	2.18	3.70	3.90	4.10	4.24	4.26	4.50
for other purposes	1.73	1.61	2.14	3.92	4.16	4.51	4.68	5.02	4.98
sole proprietors	1.83	1.72	2.28	4.16	4.25	4.59	4.80	5.18	5.18
to nonfinancial corporations3
Loans up to and including EUR 1 million
Total	1.59	1.63	2.08	3.95	4.13	4.54	4.70	4.87	4.93
with initial rate fixation
up to 1 year4	1.67	1.63	2.04	4.10	4.24	4.69	4.79	4.82	5.15
over 1 year and up to 5 years	1.11	1.41	1.99	3.39	3.09	4.54	4.74	5.16	4.49
over 5 years	1.83	1.72	2.27	3.36	3.72	3.46	3.94	4.87	4.33
with initial maturity over 1 year	1.57	1.61	2.06	3.81	4.03	4.51	4.56	4.81	4.86
Loans over EUR 1 million
Total	1.36	1.34	1.82	3.76	3.99	4.22	4.34	4.60	4.79
with initial rate fixation
up to 1 year4	1.30	1.30	1.77	3.86	4.05	4.34	4.50	4.71	5.01
over 1 year and up to 5 years	1.55	1.43	2.02	3.36	3.92	4.16	4.48	3.92	4.19
over 5 years	1.61	1.53	2.09	3.10	3.04	3.14	3.05	3.98	3.77
with initial maturity over 1 year	1.53	1.55	2.03	3.81	4.12	4.29	4.37	4.66	4.85
to households and nonfinancial corporations
loans denominated in U.S dollars	2.28	1.24	3.28	5.85	6.06	6.02	6.89	7.38	6.45
loans denominated in Japanese yen	1.44	1.25	1.32	1.00	1.20	2.33	1.14	1.08	1.14
loans denominated in Swiss francs	0.97	0.98	1.12	1.99	2.23	2.48	2.57	2.33	2.86
Source: OeNB.
The data prior to the reporting date 31 January 2003 is based on estimates of the OeNB/ECB.
Changes in the reporting methodology may cause breaks in the time series after january 2017.
1  Interest rates are defined as the annualized agreed rates in percent per annum. The annualized agreed rate covers all intrayear payments on deposits and loans, but no other charges that may apply.
2  Loans in EUR.
3  Free-lance professionals and self-employed persons were reclassified from the sector nonfinancial corporations to the sector households (applicable from June, 2004).
4  Including variable interest rates.
5  Excluding nonprofit institutions serving households.

language: German English

time series: years:  from from year199619971998199920002001200220032004200520062007200820092010201120122013201420152016201720182019202020212022 to 199619971998199920002001200220032004200520062007200820092010201120122013201420152016201720182019202020212022   months:  from from year19951996199719981999200020012002200320042005200620072008200920102011201220132014201520162017201820192020202120222023from month010203040506070809101112 to 19951996199719981999200020012002200320042005200620072008200920102011201220132014201520162017201820192020202120222023010203040506070809101112 fix header:

last update on 14.09.2023 16:51

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