Interest rates (TEDR and TAE). Credits

Interest rates (TEDR). Credits Catalonia
	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011
New operations
Households and IPSAL
Housing	3.78	2.91	1.38	1.51	1.69	1.99	1.83	1.91	1.98	2.56	2.99	2.81	3.58
Consumptions	7.69	7.13	6.10	6.32	6.66	6.92	7.24	7.12	7.56	7.74	8.90	7.76	8.57
Other purposes	5.66	4.78	2.44	2.77	3.04	3.27	3.36	3.62	3.77	4.64	5.58	5.81	5.94
Non financial societies
Fins a 250.000 euros	5.33	3.53	1.69	1.87	1.87	2.05	2.33	2.64	3.26	4.18	5.12	5.22	5.17
Entre 250.000 i 1 milió d'euros	5.08	3.36	1.29	1.51	1.40	1.50	1.68	1.79	2.05	2.79	3.88	3.99	4.53
Més d'un milió	4.99	3.26	1.04	1.37	1.23	1.53	1.51	1.60	1.96	1.99	2.73	2.72	3.36
Outstanding balance
Households and IPSAL
Housing	3.71	2.13	1.10	1.17	1.22	1.22	1.21	1.29	1.53	1.89	2.11	2.61	3.12
Consumption and others	7.22	6.30	5.86	5.99	6.38	6.26	6.24	6.17	5.98	6.10	5.80	5.78	5.73
Non financial societies	4.35	2.71	1.65	1.70	1.77	1.86	1.89	2.04	2.38	2.84	3.44	3.47	3.90
Source: Bank of Spain.
Notes:
TEDR: Narrowly defined effective rate.
IPSAL: Private non profit making institutions.

Last update: February 20, 2026.

Methodological note

Bank credit: Monetary provision granted by banks to their clients in accordance with payment of stipulated interests. The overall amount of this credit corresponds to the sum of the quantities pending amortisation.
Interest rate: Percentage that a bank charges in compensation for a loan it has awarded.