{"article":{"annotation":{"article_id":"euro-area-bank-interest-rates-august-2026-ecb","available_at":"2026-10-06T23:12:03.848613Z","geography_revision":"ef6ee0010dda5fe7b240fd514749b43e214c57da73222d2e40ec83b276dd0977","id":"f9f757473432d5d031805f8c913565240a8a84007633c3cb625cd3474a9c2b35","input_sha256":"57e4a2e1eb7c4132fe4386d64c2ad2dccb06a771aad3c4b6cb94df6a1a10cc14","limitations":["Rule-derived subjects are candidates, not verified editorial labels or calibrated model probabilities.","Coverage is distinct from event location. Unknown country/city/coordinates remain absent; no automatic geocoding.","Article geometries keep their stated precision and methodology; reproducing them is not independent coordinate verification."],"method":"controlled-rules-v1","places":[],"rules_sha256":"d28c9c89703b56bd91fd887965d416d0115c2473d4bfbd3e558bcceafc3941dd","schema_version":1,"subjects":[{"concept_id":"medtop:20000371","confidence":null,"confidence_method":null,"evidence":[{"field":"en.title+en.summary","language":"en","note":"Subject suggested from the title or summary: basis points, rate on new home loans","source_urls":["https://www.ecb.europa.eu/press/stats/mfi/html/ecb.mir2610~8e4898ad10.en.html"]}],"method":"controlled-rules-v1","rule_id":"interest-rates","status":"candidate"}],"taxonomy_revision":"1f2db31d811fca07e99b16d402c10e2cc2965c9df1c7b41d9be348b40a24e7fb","taxonomy_version":"IPTC Media Topics 2026-Q2"},"api_url":"https://newsverum.com/api/v1/articles/euro-area-bank-interest-rates-august-2026-ecb?lang=de","category":"finance","content":{"key_points":[],"paragraphs":["Der zusammengesetzte Zinssatz für neue Termineinlagen privater Haushalte stieg um vier Basispunkte auf 2,18 %. Der Zinssatz für neue Termineinlagen von Unternehmen lag bei 2,25 %, während der Satz für täglich fällige Unternehmenseinlagen 0,61 % betrug.","Dies sind zusammengesetzte Zinssätze des Euroraums für das Neugeschäft zwischen Banken und Kunden. Kreditkonditionen können je nach Kreditgröße, anfänglicher Zinsbindungsdauer und Ländermix variieren; die ausgewiesenen Gesamtwerte entsprechen nicht dem Zinssatz, der jedem einzelnen Kreditnehmer angeboten wird."],"sections":[]},"corrections":[{"at":"2026-10-07T00:51:21+03:00","language":"de","text":"Dieser Artikel wurde um eine deutsche und eine portugiesische Ausgabe sowie entsprechende Übersetzungen der Daten- und Korrekturhinweise ergänzt."}],"country":null,"data":{"blocks":[{"description":{"ar":"المعدلات المركبة للبنك المركزي الأوروبي في منطقة اليورو للقروض والودائع الجديدة في أغسطس 2026.","de":"Zusammengesetzte EZB-Zinssätze im Euroraum für neue Kredite und Einlagen im August 2026.","en":"ECB composite euro area rates for new loans and deposits in August 2026.","es":"Tipos compuestos del BCE en la zona euro para nuevos préstamos y depósitos en agosto de 2026.","fr":"Taux composites de la BCE dans la zone euro pour les nouveaux prêts et dépôts en août 2026.","pt":"Taxas compostas do BCE para novos empréstimos e depósitos na área do euro em agosto de 2026.","tr":"ECB’nin yeni krediler ve mevduatlar için Ağustos 2026 Euro Bölgesi bileşik oranları."},"id":"reported-indicators","items":[{"basis":"observed","label":{"ar":"المعدل المركب للقروض السكنية الجديدة","de":"Zusammengesetzter Zinssatz neuer Wohnungsbaukredite","en":"Composite rate on new house-purchase loans","es":"Tipo compuesto de nuevos préstamos para vivienda","fr":"Taux composite des nouveaux prêts immobiliers","pt":"Taxa composta de novos empréstimos para compra de moradia","tr":"Yeni konut kredisi bileşik faizi"},"measure":{"aggregation":"rate","frequency":"monthly","geography":"euro-area","id":"ecb-composite-new-house-purchase-loan-interest-rate","periodRole":"reference-period","unitCode":"percent-per-annum"},"period":"2026-08","unit":"percent per annum","value":3.6},{"basis":"observed","label":{"ar":"التكلفة المركبة للاقتراض الجديد للشركات","de":"Zusammengesetzte Kosten neuer Unternehmenskredite","en":"Composite cost of new corporate borrowing","es":"Coste compuesto de nuevos préstamos a empresas","fr":"Coût composite des nouveaux prêts aux entreprises","pt":"Custo composto de novos empréstimos a empresas","tr":"Yeni şirket kredileri bileşik maliyeti"},"measure":{"aggregation":"rate","frequency":"monthly","geography":"euro-area","id":"ecb-composite-new-nonfinancial-corporation-borrowing-rate","periodRole":"reference-period","unitCode":"percent-per-annum"},"period":"2026-08","unit":"percent per annum","value":3.77},{"basis":"observed","label":{"ar":"معدل الودائع الجديدة لأجل للأسر","de":"Zinssatz neuer Termineinlagen privater Haushalte","en":"Rate on new household time deposits","es":"Tipo de nuevos depósitos a plazo de hogares","fr":"Taux des nouveaux dépôts à terme des ménages","pt":"Taxa de novos depósitos a prazo de famílias","tr":"Yeni hanehalkı vadeli mevduat faizi"},"measure":{"aggregation":"rate","frequency":"monthly","geography":"euro-area","id":"ecb-new-household-agreed-maturity-deposit-interest-rate","periodRole":"reference-period","unitCode":"percent-per-annum"},"period":"2026-08","unit":"percent per annum","value":2.18},{"basis":"observed","label":{"ar":"معدل الودائع الجديدة لأجل للشركات","de":"Zinssatz neuer Termineinlagen von Unternehmen","en":"Rate on new corporate time deposits","es":"Tipo de nuevos depósitos a plazo de empresas","fr":"Taux des nouveaux dépôts à terme des entreprises","pt":"Taxa de novos depósitos a prazo de empresas","tr":"Yeni şirket vadeli mevduat faizi"},"measure":{"aggregation":"rate","frequency":"monthly","geography":"euro-area","id":"ecb-new-nonfinancial-corporation-agreed-maturity-deposit-interest-rate","periodRole":"reference-period","unitCode":"percent-per-annum"},"period":"2026-08","unit":"percent per annum","value":2.25}],"methodology":{"ar":"إحصاءات أسعار الفائدة لدى المؤسسات المالية النقدية للبنك المركزي الأوروبي؛ معدلات سنوية مركبة للعمليات الجديدة. تغير نقاط الأساس شهري؛ وتختلف تغطية الودائع لليلة واحدة.","de":"EZB-Zinsstatistik für MFIs; jährliche zusammengesetzte Sätze für Neugeschäft. Veränderungen in Basispunkten beziehen sich auf den Vormonat; täglich fällige Einlagen haben eine abweichende Abdeckung.","en":"ECB MFI interest rate statistics; annual composite rates for new business. Basis point changes are month on month; overnight deposit coverage differs.","es":"Estadísticas de tipos de interés de IFM del BCE; tipos compuestos anuales de nuevas operaciones. Los cambios en puntos básicos son mensuales; la cobertura de depósitos a la vista difiere.","fr":"Statistiques de taux des IFM de la BCE ; taux composites annuels des nouvelles opérations. Les variations en points de base sont mensuelles ; le champ des dépôts à vue diffère.","pt":"Estatísticas de taxas de juros de IFMs do BCE; taxas compostas anuais para novos contratos. Variações em pontos-base são mensais; a cobertura de depósitos overnight é diferente.","tr":"ECB MFI faiz istatistikleri; yeni işlemlerin yıllık bileşik oranları. Baz puan değişimleri önceki aya göredir; vadesiz mevduat kapsamı farklıdır."},"sourceUrls":["https://www.ecb.europa.eu/press/stats/mfi/html/ecb.mir2610~8e4898ad10.en.html"],"title":{"ar":"أسعار الفائدة المصرفية، أغسطس 2026","de":"Bankzinsen, August 2026","en":"Bank interest rates, August 2026","es":"Tipos de interés bancarios, agosto de 2026","fr":"Taux d’intérêt bancaires, août 2026","pt":"Taxas de juros bancários, agosto de 2026","tr":"Banka faiz oranları, Ağustos 2026"},"type":"metrics","updatedAt":"2026-10-07T00:51:21+03:00"}],"version":1},"data_downloads":[{"formats":{"csv":"https://newsverum.com/api/v1/articles/euro-area-bank-interest-rates-august-2026-ecb/data/reported-indicators?lang=de&format=csv","json":"https://newsverum.com/api/v1/articles/euro-area-bank-interest-rates-august-2026-ecb/data/reported-indicators?lang=de&format=json"},"id":"reported-indicators"}],"data_types":["metrics"],"editorial_illustration":{"alt":"Konzeptionelle Darstellung von Finanzdatenschichten und Informationsflüssen.","asset_id":"newsverum-v1-finance","avif_variants":[{"height":320,"url":"https://newsverum.com/assets/newsverum/illustrations/v1/finance-480.avif","width":480},{"height":480,"url":"https://newsverum.com/assets/newsverum/illustrations/v1/finance-720.avif","width":720},{"height":640,"url":"https://newsverum.com/assets/newsverum/illustrations/v1/finance-960.avif","width":960},{"height":800,"url":"https://newsverum.com/assets/newsverum/illustrations/v1/finance-1200.avif","width":1200},{"height":1024,"url":"https://newsverum.com/assets/newsverum/illustrations/v1/finance-1536.avif","width":1536}],"credit":"Newsverum","documentary":false,"height":1024,"kind":"symbolic-editorial-illustration","language":"de","scope":"topic","url":"https://newsverum.com/assets/newsverum/illustrations/v1/finance-1536.webp","variants":[{"height":320,"url":"https://newsverum.com/assets/newsverum/illustrations/v1/finance-480.webp","width":480},{"height":640,"url":"https://newsverum.com/assets/newsverum/illustrations/v1/finance-960.webp","width":960},{"height":1024,"url":"https://newsverum.com/assets/newsverum/illustrations/v1/finance-1536.webp","width":1536}],"width":1536},"event_id":"event-7805056a-490c-55d7-8e62-e96fb7224218","event_period":"2026-08","event_period_basis":"event-or-reference-period","id":"euro-area-bank-interest-rates-august-2026-ecb","image":null,"importance":0.6,"language":"de","modified_at":"2026-10-07T00:51:21+03:00","publication_basis":"publication-record","published_at":"2026-10-04T01:05:40+00:00","reading_minutes":1,"region":"world","section_illustration":{"alt":"Konzeptionelle Darstellung von Finanzdatenschichten und Informationsflüssen.","asset_id":"newsverum-v1-finance","avif_variants":[{"height":320,"url":"https://newsverum.com/assets/newsverum/illustrations/v1/finance-480.avif","width":480},{"height":480,"url":"https://newsverum.com/assets/newsverum/illustrations/v1/finance-720.avif","width":720},{"height":640,"url":"https://newsverum.com/assets/newsverum/illustrations/v1/finance-960.avif","width":960},{"height":800,"url":"https://newsverum.com/assets/newsverum/illustrations/v1/finance-1200.avif","width":1200},{"height":1024,"url":"https://newsverum.com/assets/newsverum/illustrations/v1/finance-1536.avif","width":1536}],"credit":"Newsverum","documentary":false,"height":1024,"kind":"symbolic-editorial-illustration","language":"de","scope":"section","url":"https://newsverum.com/assets/newsverum/illustrations/v1/finance-1536.webp","variants":[{"height":320,"url":"https://newsverum.com/assets/newsverum/illustrations/v1/finance-480.webp","width":480},{"height":640,"url":"https://newsverum.com/assets/newsverum/illustrations/v1/finance-960.webp","width":960},{"height":1024,"url":"https://newsverum.com/assets/newsverum/illustrations/v1/finance-1536.webp","width":1536}],"width":1536},"slug":"euro-area-bank-interest-rates-august-2026-ecb","sources":[{"checkedAt":"2026-10-03","name":"European Central Bank","publishedAt":"2026-10-01","url":"https://www.ecb.europa.eu/press/stats/mfi/html/ecb.mir2610~8e4898ad10.en.html"}],"summary":"Die August-Daten der EZB zeigen, dass der zusammengesetzte Zinssatz für neue Wohnungsbaukredite an private Haushalte um sechs Basispunkte auf 3,60 % stieg; die zusammengesetzten Kosten neuer Unternehmenskredite blieben bei 3,77 %.","text":"Die August-Daten der EZB zeigen, dass der zusammengesetzte Zinssatz für neue Wohnungsbaukredite an private Haushalte um sechs Basispunkte auf 3,60 % stieg; die zusammengesetzten Kosten neuer Unternehmenskredite blieben bei 3,77 %.\n\nDer zusammengesetzte Zinssatz für neue Termineinlagen privater Haushalte stieg um vier Basispunkte auf 2,18 %. Der Zinssatz für neue Termineinlagen von Unternehmen lag bei 2,25 %, während der Satz für täglich fällige Unternehmenseinlagen 0,61 % betrug.\n\nDies sind zusammengesetzte Zinssätze des Euroraums für das Neugeschäft zwischen Banken und Kunden. Kreditkonditionen können je nach Kreditgröße, anfänglicher Zinsbindungsdauer und Ländermix variieren; die ausgewiesenen Gesamtwerte entsprechen nicht dem Zinssatz, der jedem einzelnen Kreditnehmer angeboten wird.\n\nDieser Artikel wurde um eine deutsche und eine portugiesische Ausgabe sowie entsprechende Übersetzungen der Daten- und Korrekturhinweise ergänzt.","title":"Zinssatz für neue Wohnungsbaukredite im Euroraum steigt auf 3,60 Prozent","topics":[],"translations":[{"api_url":"https://newsverum.com/api/v1/articles/euro-area-bank-interest-rates-august-2026-ecb?lang=tr","language":"tr","url":"https://newsverum.com/tr/news/euro-area-bank-interest-rates-august-2026-ecb"},{"api_url":"https://newsverum.com/api/v1/articles/euro-area-bank-interest-rates-august-2026-ecb?lang=en","language":"en","url":"https://newsverum.com/en/news/euro-area-bank-interest-rates-august-2026-ecb"},{"api_url":"https://newsverum.com/api/v1/articles/euro-area-bank-interest-rates-august-2026-ecb?lang=ar","language":"ar","url":"https://newsverum.com/ar/news/euro-area-bank-interest-rates-august-2026-ecb"},{"api_url":"https://newsverum.com/api/v1/articles/euro-area-bank-interest-rates-august-2026-ecb?lang=fr","language":"fr","url":"https://newsverum.com/fr/news/euro-area-bank-interest-rates-august-2026-ecb"},{"api_url":"https://newsverum.com/api/v1/articles/euro-area-bank-interest-rates-august-2026-ecb?lang=es","language":"es","url":"https://newsverum.com/es/news/euro-area-bank-interest-rates-august-2026-ecb"},{"api_url":"https://newsverum.com/api/v1/articles/euro-area-bank-interest-rates-august-2026-ecb?lang=de","language":"de","url":"https://newsverum.com/de/news/euro-area-bank-interest-rates-august-2026-ecb"},{"api_url":"https://newsverum.com/api/v1/articles/euro-area-bank-interest-rates-august-2026-ecb?lang=pt","language":"pt","url":"https://newsverum.com/pt/news/euro-area-bank-interest-rates-august-2026-ecb"}],"url":"https://newsverum.com/de/news/euro-area-bank-interest-rates-august-2026-ecb"},"version":"1"}