Bank Lending Rate in Germany remained unchanged at 3.94 percent in November. Bank Lending Rate in Germany averaged 3.66 percent from 2003 until 2025, reaching an all time high of 6.55 percent in December of 2007 and a record low of 1.76 percent in October of 2021. source: European Central Bank

Bank Lending Rate in Germany is expected to be 3.94 percent by the end of this quarter, according to Trading Economics global macro models and analysts expectations. In the long-term, the Germany Bank Lending Rate is projected to trend around 3.69 percent in 2027, according to our econometric models.



Related Last Previous Unit Reference
Bank Interest Rate 3.94 3.94 percent Nov 2025
GfK Consumer Confidence -24.10 -26.90 points Feb 2026
Consumer Credit 238008.00 236072.00 EUR Million Sep 2025
Consumer Spending 478.54 479.76 EUR Billion Sep 2025
Disposable Personal Income 663.91 656.79 EUR Billion Sep 2025
Gasoline Prices 2.19 2.05 USD/Liter Jan 2026
Households Debt to GDP 49.20 49.40 percent of GDP Jun 2025
Households Debt to Income 75.29 77.75 percent Dec 2024
Personal Savings 10.70 10.20 percent Sep 2025
Private Sector Credit 3880700.00 3856500.00 EUR Million Nov 2025
Retail Sales MoM 0.10 -0.50 percent Dec 2025
Retail Sales YoY 1.50 1.30 percent Dec 2025


Germany Bank Lending Rate
In Germany, the bank lending rate refers to average rate of interest charged on loans to new corporations of up to EUR 1M with a floating rate and an IRF period of up to one year.
Actual Previous Highest Lowest Dates Unit Frequency
3.94 3.94 6.55 1.76 2003 - 2025 percent Monthly