Annual average interest rate on new mortgage loans in Germany 2007-2023

The annual average interest rate on new residential loans in Germany generally decreased between 2007 and 2023, with some fluctuation. It declined from 5.09 percent in 2007 to 1.26 percent in 2021. In 2023, it significantly rose to four percent, the highest rate recorded since 2010. Nevertheless, this rate varied for different loan types, with floating mortgage rates being the most expensive as of October 2023.

德国新住宅贷款的年度平均利率自2007年至2023年间总体呈下降趋势，其间略有波动。该利率从2007年的5.09%降至2021年的1.26%。然而，至2023年，利率显著上升至四%，为自2010年以来的最高记录。尽管如此，不同类型的贷款利率存在差异，截至2023年10月，浮动抵押贷款利率最为昂贵。