# EU Mortgage & Consumer Credit Interest Rates (ECB MFI)

> EU Mortgage & Consumer Credit Interest Rates (ECB MFI) is a paid API for AI agents from api.vextorium.com, paid per call via x402, $0.004/call, status unknown (last checked 2026-10-15).

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.

## Facts

- Endpoint: POST https://api.vextorium.com/v1/eu-mortgage-rates?utm_source=zero.xyz
- Price: $0.004/call
- Payment: x402
- Status: unknown
- Last checked: 2026-10-15
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/eu-mortgage-consumer-credit-interest-rates-ecb-mfi-ccc24ef4
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_wjH5xGHeB41PLhuQkg9GU

Status and success rate cover calls made through Zero and Zero's own probes. Third-party monitors may report differently.

## How to call it through Zero

Zero handles the 402 payment challenge and records the run. With the Zero CLI installed (`npm i -g @zeroxyz/cli`):

```sh
zero fetch --capability eu-mortgage-consumer-credit-interest-rates-ecb-mfi-ccc24ef4 -d '<json body>'
```

Example prompt: What are the current ECB MFI mortgage and consumer credit rates in Spain, and how have they trended over the last 24 months?

## When to prefer this

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.

## Known failure modes

- 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

## 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 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.

## Request schema (JSON Schema)

```json
{
 "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"
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "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"
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/eu-mortgage-consumer-credit-interest-rates-ecb-mfi-ccc24ef4/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from api.vextorium.com](https://www.zero.xyz/host/api.vextorium.com/llms.txt)