The source defines the TEDR as follows: "it is the interest rate component of the Annual Equivalent Rate (AER), that is, excluding related expenses such as amortization insurance premiums and commissions that compensate for direct related costs that, if applicable, are part of it."
The figures have been rounded.
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Interest rate of new mortgages to households in Spain 2018-2025
In August 2022, the interest rate (TEDR) on new mortgage credit operations for households and non-profit institutions serving households (NPISH) in Spain began a gradual increase, reaching around * percent in October 2023. Since then, this value has experienced a gradual decrease and, by February 2025, it was already below *** percent.
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Bank of Spain. (March 20, 2025). Monthly evolution of the interest rate (TEDR) of new home loan operations to households in Spain from January 2018 to February 2025 [Graph]. In ÌÇÐÄÆƽâ°æ. Retrieved August 04, 2026, from /statistics/1643998/interest-rate-of-new-mortgage-loans-to-households-spain/
Bank of Spain. "Monthly evolution of the interest rate (TEDR) of new home loan operations to households in Spain from January 2018 to February 2025." Chart. March 20, 2025. ÌÇÐÄÆƽâ°æ. Accessed August 04, 2026. /statistics/1643998/interest-rate-of-new-mortgage-loans-to-households-spain/
Bank of Spain. (2025). Monthly evolution of the interest rate (TEDR) of new home loan operations to households in Spain from January 2018 to February 2025. ÌÇÐÄÆƽâ°æ. ÌÇÐÄÆƽâ°æ Inc.. Accessed: August 04, 2026. /statistics/1643998/interest-rate-of-new-mortgage-loans-to-households-spain/
Bank of Spain. "Monthly Evolution of The Interest Rate (Tedr) of New Home Loan Operations to Households in Spain from January 2018 to February 2025." ÌÇÐÄÆƽâ°æ, ÌÇÐÄÆƽâ°æ Inc., 20 Mar 2025, /statistics/1643998/interest-rate-of-new-mortgage-loans-to-households-spain/
Bank of Spain, Monthly evolution of the interest rate (TEDR) of new home loan operations to households in Spain from January 2018 to February 2025 ÌÇÐÄÆƽâ°æ, /statistics/1643998/interest-rate-of-new-mortgage-loans-to-households-spain/ (last visited August 04, 2026)
Monthly evolution of the interest rate (TEDR) of new home loan operations to households in Spain from January 2018 to February 2025 [Graph], Bank of Spain, March 20, 2025. [Online]. Available: /statistics/1643998/interest-rate-of-new-mortgage-loans-to-households-spain/
