European Bank Lending Rates
Monthly new-business bank lending rates from the ECB's MFI Interest Rate Statistics (MIR): what businesses and households actually PAY to borrow, not the policy rate they're priced off. Composite cost-of-borrowing for non-financial corporations and for household house purchase, plus household consumer-credit rates, for the euro area aggregate and the big-5 national markets (DE/FR/IT/ES/NL).
- Source
- ECB
- Licence
- Redistributable open data
- Updates
- Monthly
- Data through
- 2026-05-01
- Quality
- QC clean · 0 failures
- Format
- Apache Parquet + dictionary
Safe to train on
Built only from a named, redistributable official source under a documented open licence - not scraped web data. No copyright grey zone, no personal data. Ships machine-readable Croissant metadata (ML Commons - loads in Hugging Face / Kaggle / Google), an AI training-licence manifest documenting source, licence and provenance for your model's data governance, and a machine-readable data dictionary (drop it into an agent / RAG prompt so the model knows every column) - all inspectable before you buy.
What's included
- Euro-area aggregate (EA) + DE/FR/IT/ES/NL, monthly, 2000-present
- 3 new-business loan types: NFC composite cost of borrowing, household house-purchase composite, household consumer credit
- 17 (zone, series) combos - NL consumer credit excluded (discontinued at source in 2002)
- What borrowers actually PAY, not the ECB policy rate - complements ecb-rates-fx-yields
- Source: ECB MFI Interest Rate Statistics (MIR), data-api.ecb.europa.eu - not-modified pass-through of published OBS_VALUE
Schema
| Column | Type | Description | Filled | Distinct |
|---|---|---|---|---|
| zone | str | EA (euro-area aggregate) or ISO-2 country code (DE/FR/IT/ES/NL) | 100.0% | 6 |
| ts | timestamp (UTC) | 1st of the observation month | 100.0% | 317 |
| series | str | Loan type - NFC composite / household house-purchase composite / household consumer credit | 100.0% | 3 |
| value | float | New-business lending rate, % | 100.0% | 853 |
| unit | str | % | 100.0% | 1 |
| res_min | int | Native resolution (43200 = monthly) | 100.0% | 1 |
Sample & preview
Every purchase ships as Apache Parquet with a data dictionary and the full QC report. A free sample (first rows + schema) is downloadable here - confirm fit before you buy. Source: ECB (redistributable open data; attribution passes through - see our Licence).
Don't trust screenshots - drop the sample into your notebook right now.
import pandas as pd df = pd.read_parquet("european-bank-lending-rates_sample.parquet") df.info() # typed columns, gap-aware, ready to join⬇ Download free Parquet sample or CSV for Excel
Coverage: 6 zones
DE · EA · ES · FR · IT · NL
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