{"uid":"cap_wjH5xGHeB41PLhuQkg9GU","slug":"eu-mortgage-consumer-credit-interest-rates-ecb-mfi-ccc24ef4","name":"EU Mortgage & Consumer Credit Interest Rates (ECB MFI)","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/v1/eu-mortgage-rates?utm_source=zero.xyz","method":"POST","headers":{},"bodySchema":{"type":"object","properties":{"months":{"type":"integer","description":"Months of history (1-60, default 12)"},"country":{"type":"string","description":"Euro area country code or EA; omit for ranking"}}},"responseSchema":{"type":"json","example":{"last":{"zone":"ES","month":"2026-08","mortgages_pct":3.04,"consumption_pct":7.16},"name":"Spain","note":"Average rate on new business that month (APRC for mortgages).","zone":"ES","series":[{"zone":"ES","month":"2026-03","mortgages_pct":2.75,"consumption_pct":6.84},{"zone":"ES","month":"2026-04","mortgages_pct":2.8,"consumption_pct":7}],"source":"European Central Bank, MIR"}},"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_OC3qLxo1VcqquptLL0Iy-","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 interest rates on new mortgages and consumer credit in a euro area country, with monthly history, or a cross-country ranking — sourced from official ECB MFI statistics.","exampleAgentPrompt":"What are the current ECB MFI mortgage and consumer credit rates in Spain, and how have they trended over the last 24 months?","exampleUseCases":[{"title":"Mortgage rate comparison across eurozone","prompt":"Show me a ranking of all euro area countries by their current average new mortgage interest rate so I can see where borrowing is cheapest right now."},{"title":"Country mortgage rate trend analysis","prompt":"What have mortgage and consumer credit rates looked like in Germany over the last 36 months? I want to see the monthly evolution based on official ECB data."},{"title":"Real estate market cost-of-borrowing check","prompt":"What's the latest average mortgage rate for new home purchases in France according to the ECB, and what was the consumer credit rate last month?"}],"resultDescription":"A JSON object containing the country name and zone code, the most recent month's mortgage rate (APRC) and consumer credit rate as percentages, a monthly time series array going back the requested number of months, and a source attribution to the ECB MFI statistics. When no country is specified, returns a cross-country ranking instead.","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","Data may lag by 1-2 months due to ECB publication schedule","Very small or newly admitted euro area countries may have sparse data"],"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 macroeconomic analysis, real estate cost-of-borrowing research, or cross-country comparisons. Prefer it over generic financial data APIs when ECB MFI provenance and monthly granularity matter, or when you need a ranked view across eurozone members.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-10-15T12:38:12.316Z","isFirstParty":false,"canonicalSlug":"eu-mortgage-consumer-credit-interest-rates-ecb-mfi-ccc24ef4"}