ECB Reports Stable Euro Area Lending Rates and Rising Term Deposit Rates for July 2026
The ECB's July 2026 bank interest rate statistics show composite borrowing costs broadly unchanged at 3.80% for corporations and 3.54% for households buying homes. Rates on new term deposits rose by 5 basis points for both sectors. This is a statistical release with no new obligations, but it is a useful benchmark for pricing, interest rate risk, and conduct oversight.


