# Average new Dutch mortgage rate rises to 3.94%

> The European Central Bank left its main interest rate unchanged, while the average rate on new Dutch mortgages stood at 3.94% in August, according to the Dutch central bank DNB.

Economy · published 2026-10-29 14:53 · https://nlnow.nl/a/ecb-keeps-eurozone-rate-at-2-5-after-two-rises/

The European Central Bank (ECB) is keeping its main interest rate in the eurozone unchanged at 2.5%. In September it raised the rate by 0.25 percentage point to fight inflation in the euro area, after an identical rise in June.

The average rate on new mortgage loans to Dutch households was 3.94% in August, DNB figures show. That is up from 3.87% in July and 3.49% in August 2025. The 2023 peak was 4.13%, in November and December.

**New mortgage rates have climbed since March** (%; source: DNB)

- Aug 2025: 3.49
- Sep 2025: 3.5
- Oct 2025: 3.5
- Nov 2025: 3.48
- Dec 2025: 3.52
- Jan 2026: 3.51
- Feb 2026: 3.56
- Mar 2026: 3.48
- Apr 2026: 3.64
- May 2026: 3.67
- Jun 2026: 3.73
- Jul 2026: 3.87
- Aug 2026: 3.94

Dutch consumer prices rose 3.4% in September compared with a year earlier, CBS figures show. Inflation was 3.3% in August and 2.4% in February.

## 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.
- **CBS (Centraal Bureau voor de Statistiek)**: Statistics Netherlands, the independent government body that produces the official statistics on the Dutch economy and society.

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