{
  "version": 1,
  "fetchedAt": "2026-07-15T22:49:35.687Z",
  "windowStart": "2011-06",
  "windowEnd": "2026-06",
  "attribution": "Deutsche Bundesbank — Time series database (SDMX REST)",
  "disclaimerDe": "Bildung und Marktdaten, keine Anlageberatung. Bankkonditionen weichen vom Durchschnitt ab.",
  "disclaimerEn": "Educational market data only, not investment advice. Offered bank rates differ from averages.",
  "series": {
    "mortgage": {
      "flow": "BBIM1",
      "key": "M.DE.B.A2C.A.C.A.2250.EUR.N",
      "labelDe": "Effektivzinssatz Neugeschäft: Wohnungsbaukredite an private Haushalte (inkl. Kosten)",
      "labelEn": "Effective lending rate — new housing loans to households (incl. costs)",
      "sourceUrl": "https://www.bundesbank.de/de/statistiken/geld-und-kapitalmaerkte/zinssaetze-und-renditen/wohnungsbaukredite-an-private-haushalte-hypothekarkredite-auf-wohngrundstuecke-615036"
    },
    "bundYield": {
      "flow": "BBSIS",
      "key": "M.I.UMR.RD.EUR.S13.B.A.R0910.R.A.A._Z._Z.A",
      "labelDe": "Umlaufsrendite öffentlicher Schuldverschreibungen, Restlaufzeit über 9 bis 10 Jahre",
      "labelEn": "Yield on public debt securities outstanding, residual maturity 9–10 years",
      "sourceUrl": "https://www.bundesbank.de/en/statistics/overview-of-the-statistical-series/-/b-yields-on-debt-securities-outstanding-by-residual-maturity-809516"
    }
  },
  "stats": {
    "latestMortgagePct": 3.99,
    "latestBundYieldPct": 3.01,
    "delta12mMortgagePct": 0.29,
    "delta12mBundYieldPct": 0.45,
    "minMortgagePct": 1.21,
    "maxMortgagePct": 4.27,
    "minBundYieldPct": -0.55,
    "maxBundYieldPct": 3.1
  },
  "points": [
    {
      "date": "2011-06",
      "mortgageRatePct": 4.17,
      "bundYieldPct": 2.9
    },
    {
      "date": "2011-07",
      "mortgageRatePct": 4.08,
      "bundYieldPct": 2.8
    },
    {
      "date": "2011-08",
      "mortgageRatePct": 4.04,
      "bundYieldPct": 2.3
    },
    {
      "date": "2011-09",
      "mortgageRatePct": 3.84,
      "bundYieldPct": 1.9
    },
    {
      "date": "2011-10",
      "mortgageRatePct": 3.65,
      "bundYieldPct": 2.1
    },
    {
      "date": "2011-11",
      "mortgageRatePct": 3.62,
      "bundYieldPct": 2
    },
    {
      "date": "2011-12",
      "mortgageRatePct": 3.57,
      "bundYieldPct": 2.1
    },
    {
      "date": "2012-01",
      "mortgageRatePct": 3.54,
      "bundYieldPct": 2
    },
    {
      "date": "2012-02",
      "mortgageRatePct": 3.49,
      "bundYieldPct": 2
    },
    {
      "date": "2012-03",
      "mortgageRatePct": 3.35,
      "bundYieldPct": 1.9
    },
    {
      "date": "2012-04",
      "mortgageRatePct": 3.39,
      "bundYieldPct": 1.7
    },
    {
      "date": "2012-05",
      "mortgageRatePct": 3.26,
      "bundYieldPct": 1.4
    },
    {
      "date": "2012-06",
      "mortgageRatePct": 3.12,
      "bundYieldPct": 1.4
    },
    {
      "date": "2012-07",
      "mortgageRatePct": 3.06,
      "bundYieldPct": 1.3
    },
    {
      "date": "2012-08",
      "mortgageRatePct": 2.98,
      "bundYieldPct": 1.4
    },
    {
      "date": "2012-09",
      "mortgageRatePct": 2.93,
      "bundYieldPct": 1.5
    },
    {
      "date": "2012-10",
      "mortgageRatePct": 2.89,
      "bundYieldPct": 1.5
    },
    {
      "date": "2012-11",
      "mortgageRatePct": 2.87,
      "bundYieldPct": 1.4
    },
    {
      "date": "2012-12",
      "mortgageRatePct": 2.88,
      "bundYieldPct": 1.3
    },
    {
      "date": "2013-01",
      "mortgageRatePct": 2.8,
      "bundYieldPct": 1.5
    },
    {
      "date": "2013-02",
      "mortgageRatePct": 2.82,
      "bundYieldPct": 1.6
    },
    {
      "date": "2013-03",
      "mortgageRatePct": 2.83,
      "bundYieldPct": 1.4
    },
    {
      "date": "2013-04",
      "mortgageRatePct": 2.83,
      "bundYieldPct": 1.2
    },
    {
      "date": "2013-05",
      "mortgageRatePct": 2.74,
      "bundYieldPct": 1.3
    },
    {
      "date": "2013-06",
      "mortgageRatePct": 2.67,
      "bundYieldPct": 1.5
    },
    {
      "date": "2013-07",
      "mortgageRatePct": 2.72,
      "bundYieldPct": 1.6
    },
    {
      "date": "2013-08",
      "mortgageRatePct": 2.82,
      "bundYieldPct": 1.8
    },
    {
      "date": "2013-09",
      "mortgageRatePct": 2.88,
      "bundYieldPct": 1.9
    },
    {
      "date": "2013-10",
      "mortgageRatePct": 2.9,
      "bundYieldPct": 1.8
    },
    {
      "date": "2013-11",
      "mortgageRatePct": 2.93,
      "bundYieldPct": 1.7
    },
    {
      "date": "2013-12",
      "mortgageRatePct": 2.85,
      "bundYieldPct": 1.9
    },
    {
      "date": "2014-01",
      "mortgageRatePct": 2.87,
      "bundYieldPct": 1.8
    },
    {
      "date": "2014-02",
      "mortgageRatePct": 2.88,
      "bundYieldPct": 1.6
    },
    {
      "date": "2014-03",
      "mortgageRatePct": 2.76,
      "bundYieldPct": 1.5
    },
    {
      "date": "2014-04",
      "mortgageRatePct": 2.77,
      "bundYieldPct": 1.5
    },
    {
      "date": "2014-05",
      "mortgageRatePct": 2.67,
      "bundYieldPct": 1.4
    },
    {
      "date": "2014-06",
      "mortgageRatePct": 2.59,
      "bundYieldPct": 1.3
    },
    {
      "date": "2014-07",
      "mortgageRatePct": 2.5,
      "bundYieldPct": 1.2
    },
    {
      "date": "2014-08",
      "mortgageRatePct": 2.46,
      "bundYieldPct": 1
    },
    {
      "date": "2014-09",
      "mortgageRatePct": 2.34,
      "bundYieldPct": 1
    },
    {
      "date": "2014-10",
      "mortgageRatePct": 2.28,
      "bundYieldPct": 0.8
    },
    {
      "date": "2014-11",
      "mortgageRatePct": 2.2,
      "bundYieldPct": 0.8
    },
    {
      "date": "2014-12",
      "mortgageRatePct": 2.17,
      "bundYieldPct": 0.6
    },
    {
      "date": "2015-01",
      "mortgageRatePct": 2.15,
      "bundYieldPct": 0.5
    },
    {
      "date": "2015-02",
      "mortgageRatePct": 2.01,
      "bundYieldPct": 0.4
    },
    {
      "date": "2015-03",
      "mortgageRatePct": 1.92,
      "bundYieldPct": 0.3
    },
    {
      "date": "2015-04",
      "mortgageRatePct": 1.91,
      "bundYieldPct": 0.2
    },
    {
      "date": "2015-05",
      "mortgageRatePct": 1.81,
      "bundYieldPct": 0.6
    },
    {
      "date": "2015-06",
      "mortgageRatePct": 1.89,
      "bundYieldPct": 0.9
    },
    {
      "date": "2015-07",
      "mortgageRatePct": 2.04,
      "bundYieldPct": 0.8
    },
    {
      "date": "2015-08",
      "mortgageRatePct": 2.09,
      "bundYieldPct": 0.7
    },
    {
      "date": "2015-09",
      "mortgageRatePct": 2.07,
      "bundYieldPct": 0.7
    },
    {
      "date": "2015-10",
      "mortgageRatePct": 2.07,
      "bundYieldPct": 0.6
    },
    {
      "date": "2015-11",
      "mortgageRatePct": 2.04,
      "bundYieldPct": 0.6
    },
    {
      "date": "2015-12",
      "mortgageRatePct": 1.98,
      "bundYieldPct": 0.6
    },
    {
      "date": "2016-01",
      "mortgageRatePct": 2,
      "bundYieldPct": 0.5
    },
    {
      "date": "2016-02",
      "mortgageRatePct": 1.97,
      "bundYieldPct": 0.3
    },
    {
      "date": "2016-03",
      "mortgageRatePct": 1.85,
      "bundYieldPct": 0.2
    },
    {
      "date": "2016-04",
      "mortgageRatePct": 1.93,
      "bundYieldPct": 0.2
    },
    {
      "date": "2016-05",
      "mortgageRatePct": 1.86,
      "bundYieldPct": 0.2
    },
    {
      "date": "2016-06",
      "mortgageRatePct": 1.82,
      "bundYieldPct": 0
    },
    {
      "date": "2016-07",
      "mortgageRatePct": 1.78,
      "bundYieldPct": -0.1
    },
    {
      "date": "2016-08",
      "mortgageRatePct": 1.74,
      "bundYieldPct": 0
    },
    {
      "date": "2016-09",
      "mortgageRatePct": 1.7,
      "bundYieldPct": 0
    },
    {
      "date": "2016-10",
      "mortgageRatePct": 1.68,
      "bundYieldPct": 0
    },
    {
      "date": "2016-11",
      "mortgageRatePct": 1.67,
      "bundYieldPct": 0.2
    },
    {
      "date": "2016-12",
      "mortgageRatePct": 1.72,
      "bundYieldPct": 0.3
    },
    {
      "date": "2017-01",
      "mortgageRatePct": 1.82,
      "bundYieldPct": 0.3
    },
    {
      "date": "2017-02",
      "mortgageRatePct": 1.87,
      "bundYieldPct": 0.4
    },
    {
      "date": "2017-03",
      "mortgageRatePct": 1.87,
      "bundYieldPct": 0.4
    },
    {
      "date": "2017-04",
      "mortgageRatePct": 1.91,
      "bundYieldPct": 0.3
    },
    {
      "date": "2017-05",
      "mortgageRatePct": 1.88,
      "bundYieldPct": 0.4
    },
    {
      "date": "2017-06",
      "mortgageRatePct": 1.87,
      "bundYieldPct": 0.3
    },
    {
      "date": "2017-07",
      "mortgageRatePct": 1.88,
      "bundYieldPct": 0.5
    },
    {
      "date": "2017-08",
      "mortgageRatePct": 1.94,
      "bundYieldPct": 0.4
    },
    {
      "date": "2017-09",
      "mortgageRatePct": 1.92,
      "bundYieldPct": 0.4
    },
    {
      "date": "2017-10",
      "mortgageRatePct": 1.9,
      "bundYieldPct": 0.4
    },
    {
      "date": "2017-11",
      "mortgageRatePct": 1.9,
      "bundYieldPct": 0.3
    },
    {
      "date": "2017-12",
      "mortgageRatePct": 1.86,
      "bundYieldPct": 0.3
    },
    {
      "date": "2018-01",
      "mortgageRatePct": 1.88,
      "bundYieldPct": 0.5
    },
    {
      "date": "2018-02",
      "mortgageRatePct": 1.9,
      "bundYieldPct": 0.7
    },
    {
      "date": "2018-03",
      "mortgageRatePct": 1.94,
      "bundYieldPct": 0.6
    },
    {
      "date": "2018-04",
      "mortgageRatePct": 1.94,
      "bundYieldPct": 0.5
    },
    {
      "date": "2018-05",
      "mortgageRatePct": 1.96,
      "bundYieldPct": 0.5
    },
    {
      "date": "2018-06",
      "mortgageRatePct": 1.95,
      "bundYieldPct": 0.4
    },
    {
      "date": "2018-07",
      "mortgageRatePct": 1.94,
      "bundYieldPct": 0.3
    },
    {
      "date": "2018-08",
      "mortgageRatePct": 1.93,
      "bundYieldPct": 0.3
    },
    {
      "date": "2018-09",
      "mortgageRatePct": 1.92,
      "bundYieldPct": 0.4
    },
    {
      "date": "2018-10",
      "mortgageRatePct": 1.91,
      "bundYieldPct": 0.4
    },
    {
      "date": "2018-11",
      "mortgageRatePct": 1.94,
      "bundYieldPct": 0.4
    },
    {
      "date": "2018-12",
      "mortgageRatePct": 1.9,
      "bundYieldPct": 0.2
    },
    {
      "date": "2019-01",
      "mortgageRatePct": 1.92,
      "bundYieldPct": 0.2
    },
    {
      "date": "2019-02",
      "mortgageRatePct": 1.84,
      "bundYieldPct": 0.1
    },
    {
      "date": "2019-03",
      "mortgageRatePct": 1.8,
      "bundYieldPct": 0.1
    },
    {
      "date": "2019-04",
      "mortgageRatePct": 1.72,
      "bundYieldPct": 0
    },
    {
      "date": "2019-05",
      "mortgageRatePct": 1.68,
      "bundYieldPct": -0.1
    },
    {
      "date": "2019-06",
      "mortgageRatePct": 1.63,
      "bundYieldPct": -0.2
    },
    {
      "date": "2019-07",
      "mortgageRatePct": 1.54,
      "bundYieldPct": -0.3
    },
    {
      "date": "2019-08",
      "mortgageRatePct": 1.43,
      "bundYieldPct": -0.5
    },
    {
      "date": "2019-09",
      "mortgageRatePct": 1.34,
      "bundYieldPct": -0.5
    },
    {
      "date": "2019-10",
      "mortgageRatePct": 1.31,
      "bundYieldPct": -0.4
    },
    {
      "date": "2019-11",
      "mortgageRatePct": 1.31,
      "bundYieldPct": -0.3
    },
    {
      "date": "2019-12",
      "mortgageRatePct": 1.34,
      "bundYieldPct": -0.2
    },
    {
      "date": "2020-01",
      "mortgageRatePct": 1.39,
      "bundYieldPct": -0.3
    },
    {
      "date": "2020-02",
      "mortgageRatePct": 1.33,
      "bundYieldPct": -0.4
    },
    {
      "date": "2020-03",
      "mortgageRatePct": 1.27,
      "bundYieldPct": -0.5
    },
    {
      "date": "2020-04",
      "mortgageRatePct": 1.29,
      "bundYieldPct": -0.4
    },
    {
      "date": "2020-05",
      "mortgageRatePct": 1.37,
      "bundYieldPct": -0.45
    },
    {
      "date": "2020-06",
      "mortgageRatePct": 1.38,
      "bundYieldPct": -0.37
    },
    {
      "date": "2020-07",
      "mortgageRatePct": 1.32,
      "bundYieldPct": -0.45
    },
    {
      "date": "2020-08",
      "mortgageRatePct": 1.28,
      "bundYieldPct": -0.45
    },
    {
      "date": "2020-09",
      "mortgageRatePct": 1.26,
      "bundYieldPct": -0.46
    },
    {
      "date": "2020-10",
      "mortgageRatePct": 1.24,
      "bundYieldPct": -0.53
    },
    {
      "date": "2020-11",
      "mortgageRatePct": 1.22,
      "bundYieldPct": -0.54
    },
    {
      "date": "2020-12",
      "mortgageRatePct": 1.21,
      "bundYieldPct": -0.55
    },
    {
      "date": "2021-01",
      "mortgageRatePct": 1.23,
      "bundYieldPct": -0.52
    },
    {
      "date": "2021-02",
      "mortgageRatePct": 1.22,
      "bundYieldPct": -0.39
    },
    {
      "date": "2021-03",
      "mortgageRatePct": 1.22,
      "bundYieldPct": -0.3
    },
    {
      "date": "2021-04",
      "mortgageRatePct": 1.27,
      "bundYieldPct": -0.27
    },
    {
      "date": "2021-05",
      "mortgageRatePct": 1.31,
      "bundYieldPct": -0.17
    },
    {
      "date": "2021-06",
      "mortgageRatePct": 1.34,
      "bundYieldPct": -0.23
    },
    {
      "date": "2021-07",
      "mortgageRatePct": 1.36,
      "bundYieldPct": -0.39
    },
    {
      "date": "2021-08",
      "mortgageRatePct": 1.31,
      "bundYieldPct": -0.47
    },
    {
      "date": "2021-09",
      "mortgageRatePct": 1.31,
      "bundYieldPct": -0.31
    },
    {
      "date": "2021-10",
      "mortgageRatePct": 1.32,
      "bundYieldPct": -0.16
    },
    {
      "date": "2021-11",
      "mortgageRatePct": 1.36,
      "bundYieldPct": -0.27
    },
    {
      "date": "2021-12",
      "mortgageRatePct": 1.37,
      "bundYieldPct": -0.33
    },
    {
      "date": "2022-01",
      "mortgageRatePct": 1.39,
      "bundYieldPct": -0.04
    },
    {
      "date": "2022-02",
      "mortgageRatePct": 1.49,
      "bundYieldPct": 0.24
    },
    {
      "date": "2022-03",
      "mortgageRatePct": 1.69,
      "bundYieldPct": 0.4
    },
    {
      "date": "2022-04",
      "mortgageRatePct": 1.98,
      "bundYieldPct": 0.86
    },
    {
      "date": "2022-05",
      "mortgageRatePct": 2.29,
      "bundYieldPct": 1.08
    },
    {
      "date": "2022-06",
      "mortgageRatePct": 2.62,
      "bundYieldPct": 1.56
    },
    {
      "date": "2022-07",
      "mortgageRatePct": 2.85,
      "bundYieldPct": 1.19
    },
    {
      "date": "2022-08",
      "mortgageRatePct": 2.89,
      "bundYieldPct": 1.21
    },
    {
      "date": "2022-09",
      "mortgageRatePct": 3.08,
      "bundYieldPct": 1.96
    },
    {
      "date": "2022-10",
      "mortgageRatePct": 3.31,
      "bundYieldPct": 2.34
    },
    {
      "date": "2022-11",
      "mortgageRatePct": 3.67,
      "bundYieldPct": 2.19
    },
    {
      "date": "2022-12",
      "mortgageRatePct": 3.6,
      "bundYieldPct": 2.2
    },
    {
      "date": "2023-01",
      "mortgageRatePct": 3.73,
      "bundYieldPct": 2.29
    },
    {
      "date": "2023-02",
      "mortgageRatePct": 3.85,
      "bundYieldPct": 2.47
    },
    {
      "date": "2023-03",
      "mortgageRatePct": 3.95,
      "bundYieldPct": 2.51
    },
    {
      "date": "2023-04",
      "mortgageRatePct": 3.98,
      "bundYieldPct": 2.5
    },
    {
      "date": "2023-05",
      "mortgageRatePct": 3.99,
      "bundYieldPct": 2.48
    },
    {
      "date": "2023-06",
      "mortgageRatePct": 4.12,
      "bundYieldPct": 2.51
    },
    {
      "date": "2023-07",
      "mortgageRatePct": 4.08,
      "bundYieldPct": 2.57
    },
    {
      "date": "2023-08",
      "mortgageRatePct": 4.19,
      "bundYieldPct": 2.69
    },
    {
      "date": "2023-09",
      "mortgageRatePct": 4.17,
      "bundYieldPct": 2.81
    },
    {
      "date": "2023-10",
      "mortgageRatePct": 4.22,
      "bundYieldPct": 2.98
    },
    {
      "date": "2023-11",
      "mortgageRatePct": 4.27,
      "bundYieldPct": 2.73
    },
    {
      "date": "2023-12",
      "mortgageRatePct": 4.12,
      "bundYieldPct": 2.23
    },
    {
      "date": "2024-01",
      "mortgageRatePct": 3.9,
      "bundYieldPct": 2.28
    },
    {
      "date": "2024-02",
      "mortgageRatePct": 3.92,
      "bundYieldPct": 2.46
    },
    {
      "date": "2024-03",
      "mortgageRatePct": 3.88,
      "bundYieldPct": 2.5
    },
    {
      "date": "2024-04",
      "mortgageRatePct": 3.91,
      "bundYieldPct": 2.6
    },
    {
      "date": "2024-05",
      "mortgageRatePct": 3.96,
      "bundYieldPct": 2.65
    },
    {
      "date": "2024-06",
      "mortgageRatePct": 3.99,
      "bundYieldPct": 2.59
    },
    {
      "date": "2024-07",
      "mortgageRatePct": 3.97,
      "bundYieldPct": 2.53
    },
    {
      "date": "2024-08",
      "mortgageRatePct": 3.87,
      "bundYieldPct": 2.28
    },
    {
      "date": "2024-09",
      "mortgageRatePct": 3.78,
      "bundYieldPct": 2.23
    },
    {
      "date": "2024-10",
      "mortgageRatePct": 3.69,
      "bundYieldPct": 2.29
    },
    {
      "date": "2024-11",
      "mortgageRatePct": 3.65,
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    },
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      "date": "2024-12",
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    },
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      "date": "2025-01",
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      "bundYieldPct": 2.53
    },
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      "date": "2025-02",
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      "bundYieldPct": 2.45
    },
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      "date": "2025-03",
      "mortgageRatePct": 3.64,
      "bundYieldPct": 2.79
    },
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      "date": "2025-04",
      "mortgageRatePct": 3.73,
      "bundYieldPct": 2.56
    },
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      "date": "2025-05",
      "mortgageRatePct": 3.7,
      "bundYieldPct": 2.6
    },
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      "date": "2025-06",
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    },
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      "date": "2025-09",
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    },
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      "date": "2025-10",
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    },
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      "date": "2025-11",
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    },
    {
      "date": "2025-12",
      "mortgageRatePct": 3.8,
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    },
    {
      "date": "2026-01",
      "mortgageRatePct": 3.87,
      "bundYieldPct": 2.87
    },
    {
      "date": "2026-02",
      "mortgageRatePct": 3.85,
      "bundYieldPct": 2.8
    },
    {
      "date": "2026-03",
      "mortgageRatePct": 3.79,
      "bundYieldPct": 2.97
    },
    {
      "date": "2026-04",
      "mortgageRatePct": 3.89,
      "bundYieldPct": 3.05
    },
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      "date": "2026-05",
      "mortgageRatePct": 3.99,
      "bundYieldPct": 3.1
    },
    {
      "date": "2026-06",
      "mortgageRatePct": null,
      "bundYieldPct": 3.01
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  ]
}