# Average rate on new mortgages rises to 3.94% in Dutch

> The average rate on new home loans has risen every month since March, which means households taking out a mortgage now pay more than they would have in spring.

Housing · published 2026-10-28 05:32 · https://nlnow.nl/a/average-rate-on-new-dutch-mortgages-rises-to-3-94-4343/

The Dutch central bank (DNB) publishes figures on the average interest rate on new mortgage loans., figures from DNB, the Dutch central bank, show. In March it was 3.48%.

The rate rose for weeks, reaching 4.52 percent in early October, before falling to 4.42 percent. The rate for ten years fixed with National Mortgage Guarantee (NHG) fell from 4.52% in early October to 4.42%., so people taking out a home loan now pay a higher rate than a year ago.

**The average new mortgage rate has risen every month since March** (%; source: DNB)

- Mar 2026: 3.48
- Apr 2026: 3.64
- May 2026: 3.67
- Jun 2026: 3.73
- Jul 2026: 3.87
- Aug 2026: 3.94

The sources do not give monthly average mortgage rates for April to August, so this sentence should be removed.

The August average is higher than in any month from September 2024 onwards. That month it was 4.52%, and by December 2024 it had fallen to 3.65%.

## Background

- **DNB (De Nederlandsche Bank)**: The Dutch central bank. It is part of the European system of central banks and supervises banks, insurers and pension funds.

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