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Mortgage interest rate in Germany Q1 2013- Q4 2019

Mortgage loans are one of the oldest bank products. Among the factors that influence the mortgage interest rates are inflation, economic growth, monetary policies, the bond market, stability of lenders, and the overall conditions of the housing market.

Mortgage interest rates in Germany

Between the first quarter of 2013 and the fourth quarter of 2019, the mortgage interest rate in Germany decreased, reaching its lowest value of 1.28 percent. This was part of an overall trend of falling mortgage interest rates in Europe.

Mortgage loans

As of the third quarter of 2019, gross residential mortgage lending in Germany peaked at almost 65 billion euros, an increase of almost 20 billion euros compared with the same quarter in 2014. While residential lending has been growing, a similar trend could be observed with house prices. According to the House Price Index in Germany, between 2015 and 2019, house prices increased by almost 32 percent. Also, the share of households who took out a mortgage saw an overall decrease since 2010.

Mortgage interest rate in Germany from 1st quarter 2013 to 4th quarter 2019

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Release date

May 2020



Survey time period

1st quarter 2013 to 4th quarter 2019

Supplementary notes

*Weighted average.

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