Data story · Mortgage rates
The same mortgage, wildly different prices
A €300,000 loan over 25 years costs about €1,263 a month at Malta's 1.94 % — and about €2,065 at United States's 6.71 %. Same loan, €802 a month apart, €240,600 over the full term.
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Fiatmap, “The same mortgage, wildly different prices”, fiatmap.com/stories/the-price-of-the-same-mortgage. Licensed CC BY 4.0. Underlying data: official statistics, each value dated at source.
| # | Country | Mortgage rate |
|---|---|---|
| 1 | Malta | 1.94 % |
| 2 | Sweden | 2.83 % |
| 3 | Spain | 2.89 % |
| 4 | Croatia | 2.91 % |
| 5 | Portugal | 2.98 % |
| 6 | Finland | 3.18 % |
| 7 | France | 3.18 % |
| 8 | Slovenia | 3.20 % |
| 9 | Greece | 3.27 % |
| 10 | Cyprus | 3.29 % |
| ⋮ and at the other end | ||
| 23 | United Kingdom | 4.92 % |
| 24 | Norway | 5.60 % |
| 25 | United States | 6.71 % |
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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