<?xml version="1.0" encoding="UTF-8"?>

<CompactData xmlns="http://www.SDMX.org/resources/SDMXML/schemas/v2_0/message" xmlns:bbk="http://www.bundesbank.de/statistik/zeitreihen/BBKcompact" xmlns:compact="http://www.SDMX.org/resources/SDMXML/schemas/v2_0/compact" xmlns:xsl="http://www.w3.org/2001/XMLSchema-instance" xsl:schemaLocation="http://www.SDMX.org/resources/SDMXML/schemas/v2_0/message schemas/SDMXMessage.xsd http://www.bundesbank.de/statistik/zeitreihen/bbkcompact schemas/BBKCompactData.xsd http://www.SDMX.org/resources/SDMXML/schemas/v2_0/compact schemas/SDMXCompactData.xsd">
  <Header>
    <ID>BBDY1_Q_B20_N_G600_F1010_A</ID>
    <Test>false</Test>
    <Truncated>false</Truncated>
    <Prepared>2026-06-25T16:13:10</Prepared>
    <Sender id="BBK">
      <Name xml:lang="de">Deutsche Bundesbank</Name>
      <Contact>
        <Email>presse-information@bundesbank.de</Email>
      </Contact>
    </Sender>
  </Header>
  <bbk:DataSet datasetID="BBK_DOSR">
    <bbk:Series FREQ="Q" BBK_ID="BBDY1.Q.B20.N.G600.F1010.A" DECIMALS="3" UNIT="Prozent" UNIT_MULT="0" BBK_TITLE="Finanzwirtschaftliche Indikatoren (Stand: letzte Veröffentl. des Indikatorensystems Wohnimmobilienmarkt) / Effektivzinssätze Banken DE / Neugeschäft / Wohnungsbaukredite an private Haushalte, anfängliche Zinsbindung über 1 bis 5 Jahre" BBK_TITLE_ENG="Financial Indicators (As per the latest publication of the system of indicators for the German property market) / Effective interest rates of German banks / new business / loans to households for house purchase, initial rate fixation of over 1 year and up to 5 years" BBK_COMM_SRC="Angaben basieren auf dem monatlichen Neugeschäft der MFI-Zinsstatistik der Deutschen Bundesbank für besicherte und unbesicherte Kredite, ohne Überziehungskredite." BBK_COMM_SRC_ENG="Data based on the monthly new business of the MFI interest rate statistics (Deutsche Bundesbank) for secured and unsecured loans, excluding overdraft loans." BBK_COMM_METH="https://www.bundesbank.de/de/statistiken/geld-und-kapitalmaerkte/zinssaetze-und-renditen/einlagen-und-kreditzinssaetze" BBK_COMM_METH_ENG="https://www.bundesbank.de/en/statistics/money-and-capital-markets/interest-rates-and-yields/interest-rates-on-deposits-and-loans">
      <bbk:Obs TIME_PERIOD="2026-01" OBS_VALUE="3.618" BBK_DIFF="0.9" BBK_DIFF_Y="1.3"/>
      <bbk:Obs TIME_PERIOD="2025-10" OBS_VALUE="3.586" BBK_DIFF="1.2" BBK_DIFF_Y="-3.8"/>
      <bbk:Obs TIME_PERIOD="2025-07" OBS_VALUE="3.542" BBK_DIFF="-0.1" BBK_DIFF_Y="-11.7"/>
      <bbk:Obs TIME_PERIOD="2025-04" OBS_VALUE="3.546" BBK_DIFF="-0.7" BBK_DIFF_Y="-14.1"/>
      <bbk:Obs TIME_PERIOD="2025-01" OBS_VALUE="3.572" BBK_DIFF="-4.2" BBK_DIFF_Y="-12.3"/>
      <bbk:Obs TIME_PERIOD="2024-10" OBS_VALUE="3.728" BBK_DIFF="-7.1" BBK_DIFF_Y="-17.6"/>
      <bbk:Obs TIME_PERIOD="2024-07" OBS_VALUE="4.013" BBK_DIFF="-2.8" BBK_DIFF_Y="-10.0"/>
      <bbk:Obs TIME_PERIOD="2024-04" OBS_VALUE="4.128" BBK_DIFF="1.4" BBK_DIFF_Y="-3.8"/>
      <bbk:Obs TIME_PERIOD="2024-01" OBS_VALUE="4.071" BBK_DIFF="-10.0" BBK_DIFF_Y="2.8"/>
      <bbk:Obs TIME_PERIOD="2023-10" OBS_VALUE="4.523" BBK_DIFF="1.4" BBK_DIFF_Y="26.6"/>
      <bbk:Obs TIME_PERIOD="2023-07" OBS_VALUE="4.46" BBK_DIFF="3.9" BBK_DIFF_Y="60.3"/>
      <bbk:Obs TIME_PERIOD="2023-04" OBS_VALUE="4.293" BBK_DIFF="8.4" BBK_DIFF_Y="100.3"/>
      <bbk:Obs TIME_PERIOD="2023-01" OBS_VALUE="3.962" BBK_DIFF="10.9" BBK_DIFF_Y="167.2"/>
      <bbk:Obs TIME_PERIOD="2022-10" OBS_VALUE="3.572" BBK_DIFF="28.4" BBK_DIFF_Y="158.5"/>
      <bbk:Obs TIME_PERIOD="2022-07" OBS_VALUE="2.782" BBK_DIFF="29.8" BBK_DIFF_Y="107.1"/>
      <bbk:Obs TIME_PERIOD="2022-04" OBS_VALUE="2.143" BBK_DIFF="44.5" BBK_DIFF_Y="64.5"/>
      <bbk:Obs TIME_PERIOD="2022-01" OBS_VALUE="1.483" BBK_DIFF="7.3" BBK_DIFF_Y="15.0"/>
      <bbk:Obs TIME_PERIOD="2021-10" OBS_VALUE="1.382" BBK_DIFF="2.9" BBK_DIFF_Y="6.1"/>
      <bbk:Obs TIME_PERIOD="2021-07" OBS_VALUE="1.343" BBK_DIFF="3.1" BBK_DIFF_Y="-3.5"/>
      <bbk:Obs TIME_PERIOD="2021-04" OBS_VALUE="1.303" BBK_DIFF="1.0" BBK_DIFF_Y="-10.8"/>
      <bbk:Obs TIME_PERIOD="2021-01" OBS_VALUE="1.29" BBK_DIFF="-1.0" BBK_DIFF_Y="-2.7"/>
      <bbk:Obs TIME_PERIOD="2020-10" OBS_VALUE="1.303" BBK_DIFF="-6.3" BBK_DIFF_Y="-1.6"/>
      <bbk:Obs TIME_PERIOD="2020-07" OBS_VALUE="1.391" BBK_DIFF="-4.8" BBK_DIFF_Y="-0.5"/>
      <bbk:Obs TIME_PERIOD="2020-04" OBS_VALUE="1.461" BBK_DIFF="10.2" BBK_DIFF_Y="-0.9"/>
      <bbk:Obs TIME_PERIOD="2020-01" OBS_VALUE="1.326" BBK_DIFF="0.2" BBK_DIFF_Y="-20.0"/>
      <bbk:Obs TIME_PERIOD="2019-10" OBS_VALUE="1.324" BBK_DIFF="-5.3" BBK_DIFF_Y="-22.4"/>
      <bbk:Obs TIME_PERIOD="2019-07" OBS_VALUE="1.398" BBK_DIFF="-5.2" BBK_DIFF_Y="-18.6"/>
      <bbk:Obs TIME_PERIOD="2019-04" OBS_VALUE="1.474" BBK_DIFF="-11.1" BBK_DIFF_Y="-15.2"/>
      <bbk:Obs TIME_PERIOD="2019-01" OBS_VALUE="1.658" BBK_DIFF="-2.9" BBK_DIFF_Y="-3.5"/>
      <bbk:Obs TIME_PERIOD="2018-10" OBS_VALUE="1.707" BBK_DIFF="-0.6" BBK_DIFF_Y="0.1"/>
      <bbk:Obs TIME_PERIOD="2018-07" OBS_VALUE="1.717" BBK_DIFF="-1.2" BBK_DIFF_Y="-2.3"/>
      <bbk:Obs TIME_PERIOD="2018-04" OBS_VALUE="1.738" BBK_DIFF="1.2" BBK_DIFF_Y="0.2"/>
      <bbk:Obs TIME_PERIOD="2018-01" OBS_VALUE="1.718" BBK_DIFF="0.7" BBK_DIFF_Y="2.9"/>
      <bbk:Obs TIME_PERIOD="2017-10" OBS_VALUE="1.706" BBK_DIFF="-3.0" BBK_DIFF_Y="3.5"/>
      <bbk:Obs TIME_PERIOD="2017-07" OBS_VALUE="1.758" BBK_DIFF="1.3" BBK_DIFF_Y="-0.3"/>
      <bbk:Obs TIME_PERIOD="2017-04" OBS_VALUE="1.735" BBK_DIFF="4.0" BBK_DIFF_Y="-5.4"/>
      <bbk:Obs TIME_PERIOD="2017-01" OBS_VALUE="1.669" BBK_DIFF="1.2" BBK_DIFF_Y="-9.7"/>
      <bbk:Obs TIME_PERIOD="2016-10" OBS_VALUE="1.649" BBK_DIFF="-6.5" BBK_DIFF_Y="-14.9"/>
      <bbk:Obs TIME_PERIOD="2016-07" OBS_VALUE="1.764" BBK_DIFF="-3.8" BBK_DIFF_Y="-9.4"/>
      <bbk:Obs TIME_PERIOD="2016-04" OBS_VALUE="1.834" BBK_DIFF="-0.8" BBK_DIFF_Y="0.5"/>
      <bbk:Obs TIME_PERIOD="2016-01" OBS_VALUE="1.849" BBK_DIFF="-4.5" BBK_DIFF_Y="-2.6"/>
      <bbk:Obs TIME_PERIOD="2015-10" OBS_VALUE="1.937" BBK_DIFF="-0.5" BBK_DIFF_Y="-0.4"/>
      <bbk:Obs TIME_PERIOD="2015-07" OBS_VALUE="1.947" BBK_DIFF="6.7" BBK_DIFF_Y="-8.0"/>
      <bbk:Obs TIME_PERIOD="2015-04" OBS_VALUE="1.824" BBK_DIFF="-3.9" BBK_DIFF_Y="-21.1"/>
      <bbk:Obs TIME_PERIOD="2015-01" OBS_VALUE="1.899" BBK_DIFF="-2.3" BBK_DIFF_Y="-21.8"/>
      <bbk:Obs TIME_PERIOD="2014-10" OBS_VALUE="1.944" BBK_DIFF="-8.2" BBK_DIFF_Y="-21.9"/>
      <bbk:Obs TIME_PERIOD="2014-07" OBS_VALUE="2.117" BBK_DIFF="-8.4" BBK_DIFF_Y="-12.6"/>
      <bbk:Obs TIME_PERIOD="2014-04" OBS_VALUE="2.311" BBK_DIFF="-4.8" BBK_DIFF_Y="-3.1"/>
      <bbk:Obs TIME_PERIOD="2014-01" OBS_VALUE="2.427" BBK_DIFF="-2.5" BBK_DIFF_Y="-2.1"/>
      <bbk:Obs TIME_PERIOD="2013-10" OBS_VALUE="2.489" BBK_DIFF="2.8" BBK_DIFF_Y="-0.8"/>
      <bbk:Obs TIME_PERIOD="2013-07" OBS_VALUE="2.422" BBK_DIFF="1.6" BBK_DIFF_Y="-9.2"/>
      <bbk:Obs TIME_PERIOD="2013-04" OBS_VALUE="2.385" BBK_DIFF="-3.8" BBK_DIFF_Y="-17.0"/>
      <bbk:Obs TIME_PERIOD="2013-01" OBS_VALUE="2.479" BBK_DIFF="-1.2" BBK_DIFF_Y="-18.7"/>
      <bbk:Obs TIME_PERIOD="2012-10" OBS_VALUE="2.508" BBK_DIFF="-6.0" BBK_DIFF_Y="-24.0"/>
      <bbk:Obs TIME_PERIOD="2012-07" OBS_VALUE="2.667" BBK_DIFF="-7.2" BBK_DIFF_Y="-27.3"/>
      <bbk:Obs TIME_PERIOD="2012-04" OBS_VALUE="2.873" BBK_DIFF="-5.8" BBK_DIFF_Y="-24.5"/>
      <bbk:Obs TIME_PERIOD="2012-01" OBS_VALUE="3.049" BBK_DIFF="-7.6" BBK_DIFF_Y="-14.1"/>
      <bbk:Obs TIME_PERIOD="2011-10" OBS_VALUE="3.299" BBK_DIFF="-10.1" BBK_DIFF_Y="0.2"/>
      <bbk:Obs TIME_PERIOD="2011-07" OBS_VALUE="3.668" BBK_DIFF="-3.6" BBK_DIFF_Y="11.2"/>
      <bbk:Obs TIME_PERIOD="2011-04" OBS_VALUE="3.806" BBK_DIFF="7.3" BBK_DIFF_Y="10.3"/>
      <bbk:Obs TIME_PERIOD="2011-01" OBS_VALUE="3.548" BBK_DIFF="7.7" BBK_DIFF_Y="-2.7"/>
      <bbk:Obs TIME_PERIOD="2010-10" OBS_VALUE="3.293" BBK_DIFF="-0.2" BBK_DIFF_Y="-13.1"/>
      <bbk:Obs TIME_PERIOD="2010-07" OBS_VALUE="3.3" BBK_DIFF="-4.3" BBK_DIFF_Y="-14.5"/>
      <bbk:Obs TIME_PERIOD="2010-04" OBS_VALUE="3.45" BBK_DIFF="-5.4" BBK_DIFF_Y="-12.4"/>
      <bbk:Obs TIME_PERIOD="2010-01" OBS_VALUE="3.646" BBK_DIFF="-3.8" BBK_DIFF_Y="-16.0"/>
      <bbk:Obs TIME_PERIOD="2009-10" OBS_VALUE="3.79" BBK_DIFF="-1.8" BBK_DIFF_Y="-26.5"/>
      <bbk:Obs TIME_PERIOD="2009-07" OBS_VALUE="3.86" BBK_DIFF="-2.0" BBK_DIFF_Y="-29.8"/>
      <bbk:Obs TIME_PERIOD="2009-04" OBS_VALUE="3.939" BBK_DIFF="-9.3" BBK_DIFF_Y="-22.7"/>
      <bbk:Obs TIME_PERIOD="2009-01" OBS_VALUE="4.343" BBK_DIFF="-15.8" BBK_DIFF_Y="-14.8"/>
      <bbk:Obs TIME_PERIOD="2008-10" OBS_VALUE="5.157" BBK_DIFF="-6.2" BBK_DIFF_Y="-2.9"/>
      <bbk:Obs TIME_PERIOD="2008-07" OBS_VALUE="5.5" BBK_DIFF="7.9" BBK_DIFF_Y="2.7"/>
      <bbk:Obs TIME_PERIOD="2008-04" OBS_VALUE="5.098" BBK_DIFF="0.1" BBK_DIFF_Y="0.2"/>
      <bbk:Obs TIME_PERIOD="2008-01" OBS_VALUE="5.095" BBK_DIFF="-4.0" BBK_DIFF_Y="2.9"/>
      <bbk:Obs TIME_PERIOD="2007-10" OBS_VALUE="5.31" BBK_DIFF="-0.9" BBK_DIFF_Y="9.8"/>
      <bbk:Obs TIME_PERIOD="2007-07" OBS_VALUE="5.357" BBK_DIFF="5.2" BBK_DIFF_Y="12.7"/>
      <bbk:Obs TIME_PERIOD="2007-04" OBS_VALUE="5.09" BBK_DIFF="2.8" BBK_DIFF_Y="12.2"/>
      <bbk:Obs TIME_PERIOD="2007-01" OBS_VALUE="4.95" BBK_DIFF="2.4" BBK_DIFF_Y="14.7"/>
      <bbk:Obs TIME_PERIOD="2006-10" OBS_VALUE="4.834" BBK_DIFF="1.7" BBK_DIFF_Y="18.6"/>
      <bbk:Obs TIME_PERIOD="2006-07" OBS_VALUE="4.755" BBK_DIFF="4.8" BBK_DIFF_Y="21.2"/>
      <bbk:Obs TIME_PERIOD="2006-04" OBS_VALUE="4.536" BBK_DIFF="5.1" BBK_DIFF_Y="11.3"/>
      <bbk:Obs TIME_PERIOD="2006-01" OBS_VALUE="4.317" BBK_DIFF="5.9" BBK_DIFF_Y="3.4"/>
      <bbk:Obs TIME_PERIOD="2005-10" OBS_VALUE="4.077" BBK_DIFF="4.0" BBK_DIFF_Y="-7.1"/>
      <bbk:Obs TIME_PERIOD="2005-07" OBS_VALUE="3.922" BBK_DIFF="-3.8" BBK_DIFF_Y="-13.7"/>
      <bbk:Obs TIME_PERIOD="2005-04" OBS_VALUE="4.076" BBK_DIFF="-2.3" BBK_DIFF_Y="-6.0"/>
      <bbk:Obs TIME_PERIOD="2005-01" OBS_VALUE="4.174" BBK_DIFF="-4.9" BBK_DIFF_Y="-8.8"/>
      <bbk:Obs TIME_PERIOD="2004-10" OBS_VALUE="4.39" BBK_DIFF="-3.4" BBK_DIFF_Y="-4.9"/>
      <bbk:Obs TIME_PERIOD="2004-07" OBS_VALUE="4.543" BBK_DIFF="4.7" BBK_DIFF_Y="5.4"/>
      <bbk:Obs TIME_PERIOD="2004-04" OBS_VALUE="4.338" BBK_DIFF="-5.2" BBK_DIFF_Y="-2.3"/>
      <bbk:Obs TIME_PERIOD="2004-01" OBS_VALUE="4.577" BBK_DIFF="-0.9" BBK_DIFF_Y="-3.9"/>
      <bbk:Obs TIME_PERIOD="2003-10" OBS_VALUE="4.618" BBK_DIFF="7.1"/>
      <bbk:Obs TIME_PERIOD="2003-07" OBS_VALUE="4.311" BBK_DIFF="-2.9"/>
      <bbk:Obs TIME_PERIOD="2003-04" OBS_VALUE="4.439" BBK_DIFF="-6.8"/>
      <bbk:Obs TIME_PERIOD="2003-01" OBS_VALUE="4.765"/>
    </bbk:Series>
  </bbk:DataSet>
</CompactData>
