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Refinancing rate of the ECB

The European Central Bank (ECB) refinancing rate is the rate that banks have to pay when they borrow money from the ECB. The interest rates on real estate loans react to this interest rate. As a rule, a change in this interest rate also entails a change in the interest on real estate loans.

The table below shows the ECB refinancing rate since January 2009.

The ECB's refinancing interest rate has remained unchanged at 0.0% since 10th of march 2016.

Interest rate trends from the ECB

Date of change Refinancing rate
 15.01.2009  2,00%
 05.03.2009  1,50%
 02.04.2009  1,25%
 07.05.2009  1,00%
 07.04.2011  1,25%
 07.07.2011  1,50%
 03.11.2011  1,25%
 08.12.2011  1,00%
 05.07.2012  0,75%
 02.05.2013  0,50%
 07.11.2013  0,25%
 05.06.2014  0,15%
 04.09.2014  0,05%
 10.03.2016  0,00%

100% financement

If you want to buy or build an object for your own residential use in Luxembourg, we can offer you, together with our partner banks, a loan for the entire purchase price or construction price. In this case, you only have to bear the additional costs of the project with your own funds.

Does it make sense to renegotiate your loan terms?

The interest rates have fallen continuously in recent years. This development in market interest rates is causing many people who took out their real estate loan a few years ago to think about whether it makes sense to renegotiate its terms.