The Rate Engine

Europe · reference month 2026-07

Greece

What a mortgage costs in Greece, what banks pay savers, and how both compare with the rest of the euro area — from the European Central Bank's own statistics.

3.27per cent on a new mortgage, 2026-070.27 points below the euro-area average, and 9th cheapest of 21.
Mortgage rate3.27%new business, 2026-07
Household deposit rate1.27%agreed maturity, 2026-07
Lending vs deposit spread2.00points of intermediation
Euro-area average3.54%all reporting countries

Greece against the euro area

Mortgage rates — Greece vs euro-area average2003-01-012026-07-01
GreeceEuro area
Table view — 220 observations
DateGreeceEuro area
2026-07-013.27%3.54%
2026-06-013.26%3.51%
2026-04-013.35%3.44%
2026-03-013.4%3.35%
2026-02-013.45%3.37%
2026-01-013.49%3.35%
2025-11-013.5%3.3%
2025-10-013.52%3.31%
2025-09-013.55%3.31%
2025-07-013.53%3.28%
2025-06-013.6%3.3%
2025-05-013.68%3.3%
2025-04-013.63%3.27%
2025-02-013.62%3.33%
2025-01-013.79%3.25%
2024-12-013.65%3.39%
2024-10-013.79%3.55%
2024-09-013.9%3.64%
2024-08-013.94%3.73%
2024-07-013.94%3.75%
2024-05-014.23%3.81%
2024-04-014.35%3.81%
2024-03-014.3%3.8%
2024-01-014.56%3.87%
2023-12-014.37%3.98%
2023-11-014.46%4.03%
2023-10-014.58%3.92%
2023-08-014.18%3.86%
2023-07-014.22%3.77%
2023-06-014.07%3.71%
2023-04-013.91%3.49%
2023-03-013.79%3.38%
2023-02-013.83%3.25%
2023-01-013.77%3.11%
2022-11-013.54%2.89%
2022-10-013.7%2.67%
2022-09-013.39%2.45%
2022-07-012.99%2.15%
2022-06-013.07%1.97%
2022-05-012.88%1.78%
2022-03-012.76%1.47%
2022-02-012.74%1.38%
2022-01-012.76%1.33%
2021-12-012.53%1.31%
2021-10-012.82%1.31%
2021-09-012.76%1.3%
2021-08-012.77%1.31%
2021-06-012.71%1.32%
2021-05-012.82%1.32%
2021-04-012.61%1.31%
2021-03-012.68%1.31%
2021-01-012.44%1.33%
2020-12-012.69%1.32%
2020-11-012.65%1.35%
2020-09-012.7%1.38%
2020-08-012.75%1.4%
2020-07-012.75%1.4%
2020-06-012.76%1.42%
2020-04-012.49%1.44%
2020-03-012.71%1.39%
2020-02-012.85%1.41%
2019-12-012.87%1.41%
2019-11-012.86%1.47%
2019-10-012.96%1.45%
2019-09-013.1%1.49%
2019-07-013.27%1.62%
2019-06-013.19%1.68%
2019-05-013.2%1.72%
2019-03-013.16%1.79%
2019-02-013.15%1.8%
2019-01-013.16%1.82%
2018-12-013.27%1.8%
2018-10-012.99%1.8%
2018-09-012.98%1.79%
2018-08-012.89%1.81%
2018-06-012.94%1.82%
2018-05-012.91%1.83%
2018-04-012.85%1.83%
2018-03-012.78%1.84%
2018-01-012.95%1.84%
2017-12-013.35%1.83%
2017-11-012.89%1.87%
2017-09-012.79%1.89%
2017-08-012.82%1.91%
2017-07-012.65%1.88%
2017-06-012.79%1.87%
2017-04-012.7%1.87%
2017-03-012.78%1.85%
2017-02-012.7%1.85%
2016-12-012.91%1.78%
2016-11-012.66%1.79%
2016-10-012.86%1.81%
2016-09-012.79%1.86%
2016-07-012.76%1.92%
2016-06-012.7%1.96%
2016-05-012.77%2.02%
2016-03-012.65%2.11%
2016-02-012.59%2.2%
2016-01-012.41%2.23%
2015-12-012.71%2.22%
2015-10-012.55%2.26%
2015-09-012.42%2.25%
2015-08-012.43%2.26%
2015-06-012.91%2.18%
2015-05-012.97%2.18%
2015-04-012.51%2.24%
2015-03-012.76%2.29%
2015-01-012.59%2.4%
2014-12-012.98%2.48%
2014-11-012.78%2.53%
2014-09-013.21%2.66%
2014-08-013.08%2.73%
2014-07-013.06%2.78%
2014-05-012.87%2.91%
2014-04-012.95%2.97%
2014-03-012.86%3%
2014-02-012.72%3.04%
2013-12-012.77%3.05%
2013-11-012.68%3.07%
2013-10-012.77%3.06%
2013-08-012.75%3.03%
2013-07-012.73%3%
2013-06-012.69%2.98%
2013-05-012.73%3.03%
2013-03-013.07%3.13%
2013-02-012.96%3.15%
2013-01-012.89%3.14%
2012-11-012.79%3.21%
2012-10-012.81%3.25%
2012-09-012.9%3.3%
2012-08-012.88%3.36%
2012-06-013.27%3.48%
2012-05-013.35%3.58%
2012-04-013.41%3.64%
2012-02-013.74%3.77%
2012-01-013.95%3.78%
2011-12-014.11%3.75%
2011-11-014.37%3.74%
2011-09-014.51%3.8%
2011-08-014.58%3.89%
2011-07-014.51%3.86%
2011-05-014.33%3.83%
2011-04-014.32%3.74%
2011-03-014.18%3.63%
2011-02-014.04%3.55%
2010-12-013.86%3.36%
2010-11-013.91%3.34%
2010-10-014%3.31%
2010-08-014.05%3.4%
2010-07-013.97%3.36%
2010-06-013.78%3.39%
2010-05-013.9%3.45%
2010-03-013.81%3.54%
2010-02-013.72%3.61%
2010-01-013.8%3.63%
2009-11-013.91%3.69%
2009-10-014.09%3.74%
2009-09-014.09%3.78%
2009-08-014.23%3.86%
2009-06-014.29%3.95%
2009-05-014.43%3.98%
2009-04-014.59%4.09%
2009-02-014.97%4.49%
2009-01-015.14%4.78%
2008-12-015.27%5.13%
2008-11-015.3%5.43%
2008-09-015.04%5.55%
2008-08-015%5.54%
2008-07-014.85%5.43%
2008-05-014.61%5.18%
2008-04-014.53%5.11%
2008-03-014.5%5.1%
2008-02-014.44%5.15%
2007-12-014.51%5.19%
2007-11-014.57%5.18%
2007-10-014.75%5.17%
2007-08-014.77%5.08%
2007-07-014.76%4.99%
2007-06-014.71%4.9%
2007-05-014.43%4.8%
2007-03-014.12%4.7%
2007-02-014%4.66%
2007-01-014.07%4.59%
2006-11-014.66%4.5%
2006-10-014.65%4.46%
2006-09-014.52%4.41%
2006-07-014.31%4.26%
2006-06-014.26%4.18%
2006-05-014.07%4.09%
2006-04-014.02%4.02%
2006-02-014%3.86%
2006-01-014.02%3.8%
2005-12-013.96%3.72%
2005-10-014.05%3.61%
2005-09-014.09%3.61%
2005-08-014.21%3.63%
2005-07-014.17%3.64%
2005-05-014.26%3.77%
2005-04-014.29%3.81%
2005-03-014.33%3.82%
2005-01-014.44%3.87%
2004-12-014.46%3.9%
2004-11-014.46%3.98%
2004-10-014.54%4.02%
2004-08-014.62%4.07%
2004-07-014.53%4.04%
2004-06-014.61%4.04%
2004-04-014.67%4.03%
2004-03-014.71%4.11%
2004-02-014.73%4.19%
2004-01-014.71%4.22%
2003-11-014.7%4.21%
2003-10-014.85%4.17%
2003-09-014.82%4.16%
2003-07-014.69%4.1%
2003-06-014.84%4.24%
2003-05-014.88%4.39%
2003-04-014.88%4.47%
2003-02-014.84%4.67%
2003-01-014.74%4.81%

What savers are paid

Household deposit rates — Greece vs euro-area average2000-01-012026-07-01
GreeceEuro area
Table view — 220 observations
DateGreeceEuro area
2026-07-011.27%2.14%
2026-06-011.21%2.09%
2026-04-011.14%1.91%
2026-03-011.11%1.86%
2026-01-011.14%1.82%
2025-12-011.09%1.81%
2025-10-011.14%1.8%
2025-09-011.17%1.78%
2025-07-011.16%1.76%
2025-06-011.2%1.8%
2025-04-011.32%1.97%
2025-03-011.39%2.1%
2025-02-011.49%2.2%
2024-12-011.64%2.45%
2024-11-011.73%2.6%
2024-09-011.85%2.98%
2024-08-011.86%2.96%
2024-06-011.86%3.03%
2024-05-011.83%3.09%
2024-03-011.77%3.16%
2024-02-011.8%3.17%
2024-01-011.83%3.2%
2023-11-011.8%3.32%
2023-10-011.78%3.27%
2023-08-011.62%3.05%
2023-07-011.56%2.85%
2023-05-011.44%2.48%
2023-04-011.4%2.31%
2023-02-011.21%1.95%
2023-01-010.5%1.67%
2022-11-010.2%1.29%
2022-10-010.2%1.03%
2022-09-010.15%0.72%
2022-07-010.13%0.42%
2022-06-010.12%0.31%
2022-04-010.13%0.26%
2022-03-010.13%0.23%
2022-01-010.14%0.24%
2021-12-010.14%0.23%
2021-10-010.14%0.24%
2021-09-010.14%0.22%
2021-07-010.14%0.23%
2021-06-010.14%0.21%
2021-05-010.15%0.22%
2021-03-010.16%0.25%
2021-02-010.18%0.28%
2020-12-010.19%0.22%
2020-11-010.21%0.25%
2020-09-010.24%0.23%
2020-08-010.26%0.23%
2020-06-010.26%0.28%
2020-05-010.28%0.27%
2020-03-010.29%0.34%
2020-02-010.31%0.36%
2020-01-010.33%0.32%
2019-11-010.36%0.29%
2019-10-010.39%0.31%
2019-08-010.54%0.33%
2019-07-010.57%0.36%
2019-05-010.55%0.36%
2019-04-010.6%0.37%
2019-02-010.58%0.36%
2019-01-010.61%0.37%
2018-12-010.58%0.35%
2018-10-010.58%0.33%
2018-09-010.6%0.33%
2018-07-010.61%0.35%
2018-06-010.59%0.36%
2018-04-010.61%0.37%
2018-03-010.61%0.37%
2018-01-010.61%0.38%
2017-12-010.61%0.37%
2017-10-010.63%0.38%
2017-09-010.62%0.38%
2017-08-010.62%0.38%
2017-06-010.4%
2017-05-010.42%
2017-03-010.42%
2017-02-010.43%
2016-12-010.45%
2016-11-010.46%
2016-09-010.52%
2016-08-010.54%
2016-06-010.58%
2016-05-010.56%
2016-04-010.61%
2016-02-010.63%
2016-01-010.7%
2015-11-010.67%
2015-10-010.68%
2015-08-010.7%
2015-07-010.71%
2015-05-010.86%
2015-04-010.9%
2015-03-010.92%
2015-01-011.13%
2014-12-011.01%
2014-10-011.9%1.14%
2014-09-011.22%
2014-07-011.33%
2014-06-012.34%1.35%
2014-04-011.56%
2014-03-011.57%
2014-01-011.68%
2013-12-011.62%
2013-11-011.68%
2013-09-011.76%
2013-08-011.82%
2013-06-011.9%
2013-05-014.01%2.06%
2013-03-014.35%2.24%
2013-02-012.36%
2012-12-012.64%
2012-11-012.64%
2012-09-012.75%
2012-08-012.63%
2012-07-012.77%
2012-05-012.65%
2012-04-012.81%
2012-02-012.96%
2012-01-013%
2011-11-012.82%
2011-10-012.92%
2011-08-012.78%
2011-07-012.8%
2011-05-012.64%
2011-04-013.86%2.58%
2011-03-013.73%2.45%
2011-01-012.43%
2010-12-013.64%2.32%
2010-10-012.42%
2010-09-013.58%2.28%
2010-07-012.32%
2010-06-012.18%
2010-04-012.07%
2010-03-011.96%
2010-02-011.86%
2009-12-012.09%1.82%
2009-11-012.01%1.83%
2009-09-011.75%
2009-08-011.85%
2009-06-011.93%
2009-05-011.97%
2009-03-012.33%
2009-02-012.7%
2008-12-015.35%3.78%
2008-11-014.26%
2008-10-014.75%
2008-08-014.94%4.58%
2008-07-014.59%
2008-05-014.29%
2008-04-014.25%
2008-02-014.28%4.08%
2008-01-014.35%4.18%
2007-11-014.21%4.06%
2007-10-014.23%4.09%
2007-08-014.01%3.91%
2007-07-013.92%3.83%
2007-06-013.86%3.74%
2007-04-013.68%3.57%
2007-03-013.57%3.49%
2007-01-013.46%3.32%
2006-12-013.41%3.25%
2006-10-013.21%3.04%
2006-09-012.96%2.87%
2006-07-012.81%2.72%
2006-06-012.71%2.58%
2006-05-012.6%2.47%
2006-03-012.54%2.38%
2006-02-012.41%2.26%
2005-12-012.32%2.15%
2005-11-012.17%2.04%
2005-09-012.11%1.98%
2005-08-012.15%1.96%
2005-06-012.12%1.97%
2005-05-012.12%1.96%
2005-03-012.1%1.99%
2005-02-012.1%1.99%
2005-01-012.18%2.01%
2004-11-012.16%2%
2004-10-012.17%2%
2004-08-012.19%1.96%
2004-07-012.17%1.96%
2004-05-012.08%1.9%
2004-04-012.08%1.94%
2004-02-011.97%1.95%
2004-01-012.16%1.98%
2003-11-012.11%1.93%
2003-10-012.09%1.93%
2003-09-012.14%1.91%
2003-07-012.12%1.95%
2003-06-012.25%2.05%
2003-04-012.53%2.3%
2003-03-012.52%2.37%
2003-01-012.7%2.63%
2002-12-012.72%2.97%
2002-10-012.99%3.22%
2002-09-012.92%3.28%
2002-07-012.53%3.49%
2002-06-012.55%3.52%
2002-05-012.67%3.51%
2002-03-012.55%3.44%
2002-02-012.45%3.38%
2001-12-012.24%3.31%
2001-11-012.33%3.33%
2001-09-012.84%3.85%
2001-08-013.21%4.15%
2001-06-013.32%4.24%
2001-05-013.39%4.33%
2001-04-013.37%4.36%
2001-02-013.48%4.44%
2001-01-013.57%4.48%
2000-11-015.02%4.76%
2000-10-015.21%4.71%
2000-08-015.58%4.48%
2000-07-015.58%4.36%
2000-05-015.77%4.09%
2000-04-015.86%3.85%
2000-02-016.51%3.61%
2000-01-017.16%3.52%

A note on comparability

The ECB harmonises these definitions as far as national reporting allows — further than any private comparison manages, but not perfectly. Standard fixation periods, fee treatment and product mix still differ between countries, so a two-point gap reflects genuinely different markets rather than one bank being greedier than another. These figures are monthly and publish roughly two months in arrears; 2026-07is the most recent month available, not today's rate.

Compare all 21 countries →

Source

Source
European Central Bank
Observation date
Vintage
Retrieved

European Central Bank, ECB Data Portal.