DATA - Lending rates<sup>1</sup>

Lending rates¹ - new business
	2022	2023	2024	Oct. 24	Nov. 24	Dec. 24	Jan. 25	Feb. 25	Mar. 25

	in % per annum

Loans²



to households³
for consumption
Total	6.28	8.51	8.54	8.27	8.04	7.74	8.05	8.00	7.94
with initial rate fixation
up to 1 year⁴	6.05	8.63	9.38	9.05	9.07	8.48	8.87	8.82	8.72
over 1 year and up to 5 years	4.88	6.67	6.66	6.45	5.96	6.17	6.11	6.06	6.24
over 5 years	7.35	9.28	8.53	8.37	8.23	7.96	8.19	8.15	8.07
annual percentage rate of charge⁵	7.76	9.61	9.57	9.39	9.12	8.68	9.16	9.16	9.01
for house purchases
Total	1.87	3.88	3.89	3.67	3.64	3.60	3.45	3.45	3.42
with initial rate fixation
up to 1 year⁴	1.55	4.39	4.70	4.44	4.38	4.33	3.98	3.87	3.77
over 1 year and up to 5 years	2.04	4.06	4.00	3.70	3.66	3.70	3.50	3.65	3.49
over 5 and up to 10 years	2.07	3.76	3.64	3.51	3.44	3.31	3.29	3.25	3.32
over 10 years	2.07	3.37	3.54	3.46	3.44	3.36	3.28	3.29	3.30
annual percentage rate of charge⁵	2.18	4.20	4.32	4.14	4.05	3.94	3.76	3.86	3.76
for other purposes	2.14	4.70	4.72	4.49	4.21	4.21	3.86	3.88	3.96
sole proprietors	2.28	4.85	4.86	4.70	4.47	4.35	3.92	4.11	4.19



to nonfinancial corporations³
Loans up to and including EUR 1 million
Total	2.08	4.74	4.96	4.75	4.64	4.52	4.20	4.19	4.09
with initial rate fixation
up to 1 year⁴	2.04	4.92	5.35	5.12	4.92	4.86	4.48	4.43	4.39
over 1 year and up to 5 years	1.99	4.39	4.36	4.30	4.16	3.99	3.95	3.72	3.75
over 5 years	2.29	4.01	3.90	3.75	3.77	3.60	3.39	3.51	3.29
with initial maturity over 1 year	2.06	4.64	4.81	4.60	4.51	4.42	4.08	4.01	3.97
Loans over EUR 1 million
Total	1.82	4.51	4.77	4.64	4.29	4.11	4.08	4.12	3.82
with initial rate fixation
up to 1 year⁴	1.77	4.73	5.06	4.94	4.50	4.58	4.30	4.20	4.00
over 1 year and up to 5 years	2.01	4.00	4.15	3.71	3.89	3.82	3.52	3.91	3.20
over 5 years	2.09	3.39	3.66	3.53	3.31	2.74	3.31	3.76	3.40
with initial maturity over 1 year	2.03	4.56	4.78	4.67	4.27	4.11	4.06	4.18	3.88



to households and nonfinancial corporations
loans denominated in U.S dollars	3.28	6.49	6.68	6.65	6.40	6.40	6.41	3.14	4.53
loans denominated in Japanese yen	1.32	1.21	0.90	1.56	x	1.14	1.45	x	1.15
loans denominated in Swiss francs	1.12	2.52	2.29	2.00	1.95	1.46	1.53	1.39	0.95

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.