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ECB MFI Mortgage & Consumer Credit Interest Rates (Euro Area)
x402
ECB MFI Mortgage & Consumer Credit Interest Rates (Euro Area) is a paid API for AI agents from api.vextorium.com, paid per call via x402, $0.004/call, status unknown (last checked 2026-10-16).
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.
Price / call$0.004
Success—
StatusUnknown
How this service works
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.
Output
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.
Example use cases
Country mortgage rate trend analysis
“Show me how mortgage rates in Germany have changed month by month over the past 24 months using ECB MFI data.”
Euro area country ranking by rates
“Which euro area countries currently have the lowest new mortgage interest rates? Give me a full ranking.”
Cross-border borrowing cost comparison
“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?”
Technical details
Endpoint
POSThttps://api.vextorium.com/hipotecas-tipos-ue-pago?utm_source=zero.xyzWhen to prefer
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.
Side effects
- 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
Input
Schema · Request body
| Field | Type | Description |
|---|---|---|
| pais | string | Euro area country code or EA; omit for ranking |
| meses | integer | Months of history (1-60, default 12) |
Output
Schema · Response
{
"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
}
}
}Tags
x402
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