Data story · Mortgage rates
The same mortgage, wildly different prices
A €300,000 loan over 25 years costs about €1,276 a month at Malta's 2.03 % — and about €2,041 at United States's 6.58 %. Same loan, €765 a month apart, €229,500 over the full term.
| # | Country | Mortgage rate |
|---|---|---|
| 1 | Malta | 2.03 % |
| 2 | Spain | 2.85 % |
| 3 | Portugal | 2.91 % |
| 4 | Croatia | 2.92 % |
| 5 | Slovenia | 3.06 % |
| 6 | Finland | 3.07 % |
| 7 | France | 3.10 % |
| 8 | Cyprus | 3.28 % |
| 9 | Greece | 3.31 % |
| 10 | Ireland | 3.48 % |
| ⋮ and at the other end | ||
| 20 | Latvia | 4.24 % |
| 21 | Norway | 5.52 % |
| 22 | United States | 6.58 % |
How to read this figure
The average interest rate on NEW home loans as reported by the official statistics of each country (ECB MIR for the euro area, Freddie Mac via FRED for the US, SSB for Norway) — not teaser offers, not renegotiations. Your own offer will differ with equity, term and bank.
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Computed live from the same snapshot as the mapLatest observation 2026K1Licence CC BY 4.0