Dữ Liệu Kinh Tế

Lãi suất ngân hàng châu Âu

Lãi suất bình quân gia quyền theo hợp đồng mới của các tổ chức tín dụng khu vực đồng euro, theo tháng: tiền gửi có kỳ hạn của hộ gia đình và doanh nghiệp, cho vay mua nhà của hộ gia đình, cho vay doanh nghiệp phi tài chính. Đây là bước cuối của truyền dẫn chính sách tiền tệ — khoảng cách giữa các mức này và lãi suất điều hành của ECB cho biết hệ thống ngân hàng truyền dẫn nhanh hay chậm. Bảng có cả 21 nước thành viên, và chênh lệch giữa các nước mới là phần đáng đọc nhất: cùng một lãi suất điều hành nhưng lãi vay mua nhà ở nước rủi ro cao luôn đắt hơn vài điểm phần trăm. LƯU Ý VỀ CHUỖI ĐỨT QUÃNG: đây là lãi suất bình quân gia quyền của các hợp đồng MỚI phát sinh trong tháng, nên tháng nào một nước nhỏ không có hợp đồng mới ở phân khúc đó thì ECB không công bố và đường biểu đồ đứt nét — đó là bản chất chỉ tiêu chứ không phải thiếu số liệu. Hiện tượng này thấy rõ ở Malta, Luxembourg, Latvia và Hy Lạp, chủ yếu ở hai dòng của doanh nghiệp. Nguồn: Ngân hàng Trung ương châu Âu (ECB Data Portal). Bấm vào tên một chỉ tiêu để thêm vào biểu đồ ở đầu trang.

Nguồn: Ngân hàng Trung ương châu Âu (ECB Data Portal)

Cập nhật cuối: 27-07-2026 11:59

Hiện tới cấp
Chỉ tiêu05-202604-202603-202602-202601-202612-202511-202510-202509-202508-202507-202506-202505-202504-202503-202502-202501-202512-202411-202410-202409-202408-202407-202406-202405-202404-202403-202402-202401-202412-202311-202310-202309-202308-202307-202306-202305-2023
Tiền gửi có kỳ hạn của hộ gia đình22
Khu vực đồng euro1,961,911,861,831,821,811,81,81,781,751,761,81,871,972,12,22,332,452,62,732,982,9633,033,093,113,163,173,23,293,323,273,083,052,852,722,48
Đức2,051,991,931,891,891,841,831,831,81,791,761,811,881,962,112,22,352,462,612,732,8933,063,083,173,173,223,233,243,343,433,393,223,112,922,782,58
Pháp2,32,32,182,152,132,092,092,032,012,032,082,122,152,242,342,472,592,712,782,993,163,283,363,43,473,583,593,613,653,793,763,733,63,563,53,323,09
Ý2,322,282,292,292,252,242,322,292,282,142,232,252,352,532,692,82,782,973,413,633,523,313,313,413,433,523,753,73,763,93,863,83,543,363,293,333,12
Tây Ban Nha1,861,771,751,741,671,681,641,761,661,621,621,641,721,841,931,992,052,12,152,22,392,552,622,652,592,532,492,382,422,582,572,442,342,322,362,221,83
Hà Lan2,492,452,42,312,252,272,322,342,372,392,472,32,372,452,42,372,482,492,632,692,82,912,892,842,933,012,963,022,982,892,992,952,862,792,692,552,4
Bỉ1,881,831,771,71,691,711,711,721,731,631,621,651,821,922,092,252,412,532,692,843,543,213,263,273,413,423,433,413,433,53,53,513,463,633,123,012,83
Ireland1,811,851,851,841,851,861,861,871,931,861,881,871,971,952,262,332,282,452,62,642,632,622,772,752,682,652,512,592,512,732,622,592,542,091,892,122,07
Áo1,781,741,631,591,631,621,691,71,581,571,641,721,791,8922,062,232,432,582,752,832,913,033,053,073,253,23,163,183,263,53,523,092,942,852,72,59
Phần Lan2,462,412,372,152,152,162,162,112,092,062,082,152,222,522,412,522,652,782,963,153,283,363,53,553,553,523,533,463,413,433,443,353,232,942,832,6
Bồ Đào Nha1,481,441,421,361,341,361,371,371,341,341,391,431,491,641,691,831,982,162,282,392,542,562,632,662,722,752,772,812,913,082,982,932,291,921,811,711,39
Hy Lạp1,151,141,111,131,141,091,141,141,171,121,161,21,261,321,391,491,631,641,731,841,851,861,871,861,831,821,771,81,831,841,81,781,751,621,561,521,44
Slovakia2,192,222,212,042,182,082,062,031,931,922,011,911,992,152,42,552,692,752,912,973,133,253,313,33,413,43,413,473,513,313,363,373,223,142,992,82,68
Bulgaria1,331,31,21,091,051,241,441,41,311,091,421,031,131,411,431,311,481,491,441,681,771,781,531,661,461,21,171,071,061,411,221,121,041,31,291,250,74
Luxembourg1,651,591,71,531,541,631,521,511,61,521,611,471,711,872,062,222,382,492,712,7633,163,133,243,43,393,393,453,463,423,43,373,33,273,012,882,65
Croatia1,451,341,671,41,361,641,561,331,561,31,361,451,521,451,691,621,711,851,992,091,851,82,262,352,031,812,012,012,142,222,352,331,191,350,831,071,25
Litva1,931,791,631,651,741,861,91,91,931,881,911,881,952,032,122,292,462,72,812,9433,063,153,333,393,423,463,533,583,533,673,423,453,313,263,263,25
Slovenia1,271,171,171,161,181,191,191,141,111,171,171,211,381,411,51,561,631,721,851,911,861,841,81,891,821,851,921,981,942,052,172,121,511,41,421,09
Latvia2,252,0722,12,031,981,911,871,991,911,821,931,942,072,112,292,422,592,622,883,073,183,113,013,143,093,083,373,543,513,613,343,473,343,052,92,55
Estonia2,22,162,152,172,232,132,072,082,032,052,22,212,222,342,312,592,883,083,253,43,553,563,553,623,583,713,783,763,884,234,024,053,723,613,423,732,94
Cyprus1,231,191,161,181,21,191,111,061,091,071,061,111,141,251,391,491,331,771,681,741,951,731,912,081,952,062,091,861,962,121,871,541,531,11,071,320,94
Malta2,011,992,041,921,991,831,871,921,9622,052,112,232,372,432,512,652,542,512,612,93,023,033,493,443,493,583,673,63,493,493,33,093,042,722,392,23
Tiền gửi có kỳ hạn của doanh nghiệp22
Khu vực đồng euro2,0421,961,911,911,951,931,91,911,891,891,942,062,162,332,52,672,82,923,063,283,413,483,543,653,673,683,643,73,723,723,713,593,423,323,22,96
Đức2,021,971,931,891,881,891,891,881,911,911,91,912,042,162,362,542,722,852,983,143,343,453,513,553,713,743,743,693,713,73,733,743,643,53,353,23,01
Pháp2,252,212,172,142,092,182,132,132,112,082,162,182,32,392,572,762,953,073,173,313,573,73,753,813,933,933,913,953,994,094,074,023,953,753,693,63,32
Ý2,092,132,011,931,871,981,941,911,951,881,861,952,062,172,372,52,592,822,873,073,233,293,513,533,543,623,623,613,673,693,83,713,573,423,283,192,96
Tây Ban Nha2,031,951,941,81,891,931,971,811,91,831,751,971,911,932,172,272,432,732,672,8532,893,173,243,383,193,43,163,583,523,533,463,283,113,113,012,79
Hà Lan21,971,941,871,871,831,841,821,811,821,821,821,982,032,172,262,422,362,712,812,993,563,53,593,733,763,613,573,573,363,373,383,233,022,932,882,65
Bỉ1,891,811,81,751,761,761,751,711,581,681,651,671,891,951,972,352,462,512,672,683,053,163,133,233,283,333,463,463,43,373,493,623,493,413,123,022,68
Ireland1,661,691,711,681,661,621,662,112,22,362,763,243,543,463,333,453,363,693,53,73,413,383,15
Áo1,921,91,861,831,831,861,741,781,81,771,781,821,992,052,242,452,622,692,93,053,323,413,453,533,613,673,73,713,693,723,783,83,683,513,363,33,11
Phần Lan2,021,961,911,951,971,971,921,921,891,821,932,062,22,412,532,722,823,033,343,333,473,633,723,783,813,743,673,563,753,693,743,553,423,423,08
Bồ Đào Nha1,881,831,791,691,691,741,661,681,661,621,661,711,832,012,162,292,442,652,72,753,023,073,13,273,33,393,383,323,423,463,43,313,082,942,992,762,4
Hy Lạp1,961,761,751,711,721,711,681,721,691,621,691,721,841,982,152,162,322,552,552,762,982,973,13,153,173,183,213,193,183,243,133,052,842,692,72,262,1
Slovakia2,052,022,031,982,012,031,991,971,951,941,911,982,182,252,412,562,772,893,023,063,373,513,583,63,713,713,733,723,743,683,753,713,723,473,263,152,98
Bulgaria1,481,171,11,471,261,431,631,721,661,441,481,651,661,871,841,932,442,032,312,162,362,672,562,432,622,52,552,662,872,883,12,122,122,121,671,551,47
Luxembourg2,011,941,991,841,761,721,831,921,911,751,831,81,962,092,312,462,652,72,863,043,243,323,413,493,613,693,693,713,683,733,733,773,613,423,343,12,91
Croatia1,841,831,821,81,811,821,81,791,771,791,791,81,982,062,242,422,622,722,882,953,133,283,33,353,513,483,433,43,413,363,393,273,152,972,762,522,34
Litva1,881,971,831,811,871,911,771,881,791,921,891,841,962,122,262,382,562,632,742,942,993,183,293,43,533,53,453,553,433,413,543,593,483,223,163,243,02
Slovenia1,681,611,611,51,491,431,561,361,481,471,351,341,521,571,771,861,852,12,252,382,462,62,722,572,842,552,752,762,712,082,532,632,582,92,062,072,09
Latvia1,931,871,91,861,891,691,791,741,581,791,751,721,782,062,212,342,462,622,722,853,013,133,243,43,223,363,413,283,383,423,423,193,333,152,932,832,11
Estonia1,941,941,991,982,012,072,062,041,951,822,052,142,252,412,332,572,763,043,143,423,553,543,663,643,683,783,773,94,213,883,643,443,053,273,292,4
Cyprus1,261,221,351,131,311,230,891,031,181,091,261,011,21,371,021,521,71,691,882,152,12,32,242,292,221,772,172,442,112,132,341,621,971,681,641,731,24
Malta2,021,992,051,961,821,881,841,531,692,181,581,481,821,791,772,122,582,712,642,843,092,552,332,952,82,653,232,812,772,542,742,72,491,951,931,711,69
Cho vay mua nhà của hộ gia đình22
Khu vực đồng euro3,453,433,353,373,363,33,33,33,323,333,283,293,33,263,313,333,143,353,443,53,593,693,73,733,763,773,773,833,864,014,063,993,953,93,83,773,65
Đức3,933,843,723,773,773,713,73,713,743,713,683,683,663,693,63,583,523,563,593,653,733,833,923,953,913,863,833,883,854,054,224,184,124,144,024,063,94
Pháp3,13,113,13,13,052,9932,982,993,01333,023,023,053,013,123,143,173,273,333,373,413,443,493,493,53,513,593,63,523,433,363,313,163,042,88
Ý3,53,473,373,443,453,383,33,313,283,283,23,193,173,273,143,183,123,113,233,273,313,593,443,553,613,683,793,893,984,424,54,354,214,294,194,274,22
Tây Ban Nha2,852,82,752,752,682,612,632,672,662,682,632,682,712,752,82,872,892,93,043,23,263,383,333,373,473,53,473,623,613,783,853,943,923,933,843,823,78
Hà Lan3,673,643,483,563,513,523,483,53,53,493,513,593,513,043,463,552,773,653,713,733,853,843,883,83,793,843,793,94,044,134,133,824,053,983,953,923,79
Bỉ3,553,523,433,473,453,453,383,373,363,293,273,243,193,153,073,093,053,163,193,283,343,43,413,433,443,423,513,673,663,93,813,783,733,693,623,643,54
Ireland3,413,433,443,443,443,463,513,533,553,553,573,583,583,673,693,73,733,733,943,863,994,084,084,084,124,234,284,284,254,194,244,244,214,084,033,973,78
Áo3,513,483,453,433,433,383,373,383,383,353,353,383,413,423,433,453,453,623,643,673,883,93,943,983,993,984,084,054,024,164,174,173,853,94,173,943,93
Phần Lan3,073,032,972,772,782,822,812,782,782,772,762,742,812,863,093,133,233,213,313,453,673,854,14,174,24,24,214,194,124,284,394,434,374,254,154,033,85
Bồ Đào Nha2,892,852,812,832,842,852,822,852,862,882,892,922,973,063,123,173,233,23,293,43,473,533,683,733,83,843,883,964,084,184,284,314,314,254,24,154,07
Hy Lạp3,283,323,393,453,493,433,493,513,553,583,523,593,683,633,653,633,783,653,723,773,833,873,874,124,154,334,254,534,584,364,444,494,294,224,224,073,91
Slovakia3,583,463,363,373,383,43,413,463,533,573,593,643,663,743,813,843,863,924,014,094,144,184,194,234,214,154,184,123,974,014,064,013,923,953,913,923,78
Bulgaria2,432,452,452,472,462,432,42,492,552,812,712,853,062,612,892,692,862,782,763,063,082,962,923,023,042,813,062,893,022,863,063,253,513,253,883,563,69
Luxembourg3,523,493,413,413,313,423,353,363,293,283,323,363,423,463,563,553,553,523,693,773,813,983,954,044,064,114,114,194,324,534,434,334,314,354,284,244,23
Croatia2,922,952,993,053,033,043,023,0332,982,982,932,912,912,943,173,63,73,723,723,733,763,753,743,743,763,773,723,643,63,643,63,543,463,253,072,97
Litva3,963,883,793,673,673,693,683,653,663,693,73,763,944,044,24,284,354,364,544,765,025,175,365,445,55,585,675,735,715,625,855,895,85,755,75,585,39
Slovenia3,072,992,932,912,882,862,842,82,832,812,862,862,912,922,993,033,133,183,233,343,443,493,613,683,683,763,813,883,943,963,9944,034,054,074,074,07
Latvia4,264,184,053,933,893,743,773,873,913,963,983,994,14,24,264,384,444,44,664,865,215,415,685,655,745,955,965,855,885,825,895,895,825,825,715,65,59
Estonia4,124,053,883,773,83,733,763,753,753,783,793,813,934,064,254,314,444,54,734,975,25,425,535,65,675,725,85,855,915,866,056,325,945,835,785,555,38
Cyprus3,223,183,153,063,123,1233,073,033,083,083,263,253,333,533,513,874,34,094,294,274,544,334,334,354,494,594,884,995,015,375,074,764,854,434,274,26
Malta2,022,092,042,081,972,031,991,981,891,881,811,841,861,791,911,811,71,881,791,811,851,842,051,972,012,052,052,042,032,061,962,021,931,961,972,292,04
Cho vay doanh nghiệp phi tài chính22
Khu vực đồng euro3,573,543,523,423,483,53,413,413,383,333,433,483,543,683,8144,134,234,44,564,684,934,9655,025,115,135,055,115,175,25,255,075,014,934,784,56
Đức3,473,553,583,353,473,483,343,373,333,233,363,493,493,663,774,134,244,274,454,684,685,024,985,065,15,25,25,065,165,195,175,395,165,115,064,884,65
Pháp3,543,563,543,523,53,563,473,453,463,43,553,563,573,733,833,844,114,194,234,44,514,644,754,744,54,824,824,874,824,874,924,864,634,544,644,414,28
Ý3,673,563,383,333,533,593,523,533,383,393,53,63,663,763,923,994,134,44,534,74,95,135,285,265,385,35,265,345,485,455,595,465,355,015,095,044,81
Tây Ban Nha3,483,413,243,273,333,283,313,223,193,243,273,173,363,473,533,893,874,034,234,324,564,794,764,875,055,014,995,025,035,135,215,215,075,14,844,634,49
Hà Lan3,583,373,553,593,493,423,213,283,323,43,483,293,433,623,743,643,733,994,34,224,344,564,64,554,254,424,574,254,334,674,464,624,384,534,434,163,67
Bỉ3,523,483,543,463,423,473,393,43,473,363,383,413,493,653,813,94,094,074,44,534,714,934,95,025,165,275,235,225,25,245,245,245,275,094,994,924,51
Ireland4,974,965,094,74,774,454,5654,844,584,824,894,675,415,925,665,055,565,195,074,085,696,45,525,836,456,516,096,015,696,045,845,665,785,785,576,05
Áo3,553,573,633,563,473,513,413,593,573,53,493,673,723,813,954,124,094,164,324,654,644,734,944,774,935,215,015,085,035,055,15,074,965,034,84,584,38
Phần Lan3,533,793,813,323,543,633,733,513,713,694,124,174,324,745,225,425,395,445,365,255,345,074,874,93
Bồ Đào Nha3,933,783,533,713,713,653,683,673,613,543,653,673,754,14,064,274,244,34,464,574,975,225,115,355,555,625,615,525,585,665,715,715,75,825,635,395,34
Hy Lạp4,063,534,183,743,834,023,994,234,594,784,835,065,384,985,886,036,346,06
Slovakia4,194,284,214,283,844,174,224,064,134,153,894,134,474,484,454,795,294,785,185,355,195,525,715,835,476,296,346,326,155,856,046,285,776,215,285,734,9
Bulgaria4,154,44,184,264,34,63,974,344,254,124,24,674,734,14,814,494,715,014,835,245,725,264,285,915,55,495,915,724,945,795,785,696,145,735,685,715,3
Luxembourg3,012,633,082,753,073,072,662,722,543,683,883,613,714,093,733,853,53,874,594,023,853,693,223,39
Croatia3,253,483,583,433,393,523,333,433,243,623,293,533,563,693,713,964,354,334,494,434,814,724,915,175,165,065,045,215,125,295,175,214,894,984,84,914,65
Litva5,024,814,584,374,634,494,864,474,484,934,554,534,734,584,985,165,635,315,485,625,936,216,416,446,656,316,46,436,546,416,6776,586,666,276,266,34
Slovenia4,083,683,43,953,93,713,263,653,973,923,723,283,74,464,144,614,14,264,514,755,094,874,85,315,485,45,15,565,285,475,325,695,234,945,045,085,15
Latvia4,794,824,734,595,355,366,055,246,36,366,696,666,796,356,876,786,136,485,78
Estonia4,684,894,374,524,64,474,454,364,235,25,136,746,926,356,876,717,267,257,116,66,336,216,04
Cyprus3,893,873,993,874,084,24,293,583,74,123,913,894,084,113,444,264,514,794,644,724,955,365,375,425,265,555,55,995,735,625,996,095,515,765,715,525,81
Malta4,284,884,864,474,834,894,644,324,424,565,014,694,615,113,935,055,015,025,585,164,264,895,155,674,56
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