{"uid":"cap_koENmuDm9wGS9rLtsO5cF","slug":"ecb-mfi-mortgage-consumer-credit-interest-rates-euro-area-dd0061e8","name":"ECB MFI Mortgage & Consumer Credit Interest Rates (Euro Area)","description":"Average interest rate on new mortgages (cost of borrowing for house purchase) and new consumer credit in a euro area country, with monthly evolution; without a country, a ranking. Official ECB MFI interest rate statistics.","url":"https://api.vextorium.com/hipotecas-tipos-ue-pago?utm_source=zero.xyz","method":"POST","headers":{},"bodySchema":{"type":"object","properties":{"pais":{"type":"string","description":"Euro area country code or EA; omit for ranking"},"meses":{"type":"integer","description":"Months of history (1-60, default 12)"}}},"responseSchema":{"type":"json","example":{"nota":"Tipo medio de las operaciones nuevas de ese mes (TAE-coste total para hipotecas).","zona":"ES","serie":[{"mes":"2026-03","zona":"ES","consumo_pct":6.84,"hipotecas_pct":2.75},{"mes":"2026-04","zona":"ES","consumo_pct":7,"hipotecas_pct":2.8},{"mes":"2026-05","zona":"ES","consumo_pct":6.8,"hipotecas_pct":2.85},{"mes":"2026-06","zona":"ES","consumo_pct":6.83,"hipotecas_pct":2.89},{"mes":"2026-07","zona":"ES","consumo_pct":6.96,"hipotecas_pct":2.89},{"mes":"2026-08","zona":"ES","consumo_pct":7.16,"hipotecas_pct":3.04}],"fuente":"Banco Central Europeo, MIR","nombre":"Spain","ultimo":{"mes":"2026-08","zona":"ES","consumo_pct":7.16,"hipotecas_pct":3.04}}},"example":null,"exampleRequest":null,"tags":["x402"],"displayCostAmount":"0.004","displayCostAsset":"USDC","priceDynamic":false,"priceHint":null,"priceStatus":"priced","priceSource":"probe","requiresHandshake":false,"reviewCount":0,"rating":{"score":"0.00","successRate":"0.00","reviews":0,"stars":null,"state":"unrated"},"availabilityStatus":"unknown","priceObserved":null,"sessionDeposit":null,"pricing":{"kind":"static","summary":"$0.004/call","primary":{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.004","per":"call","confidence":"exact"},"accepted":[{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.004","per":"call","confidence":"exact"}]},"paymentMethods":[{"uid":"pm_KU34kQJCic75Y72eOQzXW","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"0.004","costPer":"request","priority":0,"asset":"EPjFWdd5AufqSSqeM2qN1xzybapC8G4wEGGkZwyTDt1v","unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"Returns average new-mortgage and new-consumer-credit interest rates for a euro area country with monthly history, or a cross-country ranking, sourced from official ECB MFI statistics.","exampleAgentPrompt":"What are the current mortgage and consumer credit interest rates in Spain according to ECB data, and how have they evolved over the last 12 months?","exampleUseCases":[{"title":"Country mortgage rate trend analysis","prompt":"Show me how mortgage rates in Germany have changed month by month over the past 24 months using ECB MFI data."},{"title":"Euro area country ranking by rates","prompt":"Which euro area countries currently have the lowest new mortgage interest rates? Give me a full ranking."},{"title":"Cross-border borrowing cost comparison","prompt":"I'm deciding between buying a home in France or Italy — what are the current new mortgage rates in both countries according to official ECB figures?"}],"resultDescription":"A JSON object containing the country zone code, country name, a monthly time series array of mortgage and consumer credit rates (each with month, zone, consumo_pct, hipotecas_pct), the latest month's values, and the data source attribution (ECB MFI). Without a country, returns a cross-country ranking.","failureModes":["Invalid or non-euro-area country code returns an error or empty result","Months parameter outside 1-60 range may be rejected or clamped","ECB data lag may mean the most recent month is not yet available","Requesting a country not covered by ECB MFI statistics returns null or empty series"],"whenToPreferThis":"Choose this endpoint when you need official ECB-sourced interest rate data for new mortgages or consumer credit in euro area countries, especially for monthly historical series or cross-country rankings. Prefer it over generic financial data APIs when ECB MFI statistical accuracy and euro area coverage are required.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-10-16T18:48:06.697Z","isFirstParty":false,"canonicalSlug":"ecb-mfi-mortgage-consumer-credit-interest-rates-euro-area-dd0061e8"}