- Euro Area Lending and Deposit Rates Hold Steady in October, ECB Reports
FRANKFURT, Germany – Key bank interest rates for both loans and deposits across the euro area remained stable in October 2025, according to data released Wednesday by the European Central Bank (ECB).
The statistics indicate a period of steadiness in the region’s credit market.
The ECB, which monitors monetary and financial developments, reported that the composite cost-of-borrowing for new corporate loans was broadly unchanged at 3.51%. The interest rate for new loans to households for home purchases also held steady at 3.31%.
On the deposit side, rates for both corporations and households saw minimal change. The composite interest rate for new corporate deposits with an agreed maturity was 1.92%, while the rate for overnight deposits was 0.52%.
For households, the rate for new deposits with an agreed maturity was 1.81%, and the rate for overnight deposits remained at 0.25%.
The monthly data release is a standard procedure for the ECB to provide transparency on financial conditions within the 20-country currency bloc.
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