Euro area: consumer loan interest rates 2022

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As of December 2022, consumer loans with a maturity date of over five years had the highest interest rate at 6.94 percent. In contrast, the consumer loans with the lowest interest rate were those with with collateral or guarantees and a a maturity date from one to five years, amounting to 4.78 percent. Meanwhile, Germany had one of the highest volumes of consumer loans in the euro area in 2022.

Average interest rate on consumer loans in the euro area in December 2021 and December 2022, by maturity

Characteristic	Dec 2021	Dec 2022
Over five years with collateral or guarantees	3.44%	4.93%
From one to five years with collateral or guarantees	3.69%	4.78%
Floating rate and up to one year with collateral or guarantees	2.52%	4.86%
Renegotiated loans	5.33%	6.7%
Over five years	5.44%	6.94%
From one to five years	4.57%	5.88%
Floating rate and up to one year	5.11%	6.65%

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Release date

February 2023

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Region

Survey time period

December 2021 and December 2022

Special properties

Excluding revolving loans and overdrafts, convenience and extended credit card credit.

Supplementary notes

The source indicates that the data "includes non-profit institutions serving households, with the exception of the item on sole proprietors and unincorporated partnerships, which is a breakdown of the household sector only".

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