This article is published in collaboration with Brainz Magazine’s network of global experts, carefully selected to share real, valuable insights.
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Consumer Loans in the Euro Area Remain More Than Twice as Expensive as Mortgages — and the Baltics Stand Out
Fresh figures from the European Central Bank (ECB) underline a growing divide between everyday borrowing and housing finance across Europe. In December 2025, the interest rate on new consumer loans in the euro area averaged 7.15%, while mortgage borrowing costs—measured using a weighted “composite cost-of-borrowing indicator”—stood at 3.32%.
That’s a gap of 3.83 percentage points. Put differently, consumer credit is about 2.15 times more expensive than mortgages—roughly 115% higher in relative