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    <ID>BBIM1_M_DE_B_A2C_A_R_A_2250_EUR_R</ID>
    <Test>false</Test>
    <Truncated>false</Truncated>
    <Prepared>2026-05-13T22:14:39</Prepared>
    <Sender id="BBK">
      <Name xml:lang="de">Deutsche Bundesbank</Name>
      <Contact>
        <Email>presse-information@bundesbank.de</Email>
      </Contact>
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    <bbk:Series FREQ="M" BBK_ID="BBIM1.M.DE.B.A2C.A.R.A.2250.EUR.R" DECIMALS="2" UNIT="% p.a." UNIT_MULT="0" BBK_TITLE="Effektivzinssätze Banken DE / neu verhandelte Kredite im Neugeschäft / Wohnungsbaukredite an private Haushalte / SUD189" BBK_TITLE_ENG="Effective interest rates of German banks / New business renegotiated loans / Housing loans to households / SUD189" BBK_COMM_GEN="Die auf harmonisierter Basis im Euro-Währungsgebiet erhobene MFI-Zinsstatistik wird in Deutschland als Stichprobenerhebung (geschichtete Stichprobe) durchgeführt. Volumengewichteter Durchschnittssatz über alle im Laufe des Berichtsmonats neu verhandelten Kredite. (Zunächst wird ein mit den gemeldeten Volumina für neuverhandelte Kredite gewichteter Zinssatz pro Schicht berechnet. Der Aggregatszinssatz wird ermittelt, indem die Schichtenzinssätze mit den hochgerechneten Volumina gewichtet werden.) Die Effektivzinssätze können grundsätzlich als annualisierte vereinbarte Jahreszinssätze (AVJ) oder als eng definierte Effektivzinssätze (NDER) ermittelt werden. Beide Berechnungsmethoden umfassen sämtliche Zinszahlungen auf Einlagen und Kredite, jedoche keine eventuell anfallenden sonstigen Kosten, wie z.B. für Anfragen, Verwaltung, Erstellung der Dokumente, Garantien und Kreditversicherungen. Ein gewährtes Disagio wird als Zinszahlung betrachtet und in die Zinsberechnung einbezogen. Der einzige Unterschied zwischen dem AVJ und dem NDER ist die zu Grunde liegende Methode zur Annualisierung von Zinszahlungen. Wohnungsbaukredite sind besicherte und unbesicherte Kredite, die für die Beschaffung von Wohnraum, einschl. Wohnungsbau und -modernisierung gewährt werden; einschl. Bauspardarlehen und Bauzwischenfinanzierungen sowie Weiterleitungskredite, die die Meldepflichtigen im eigenen Namen und auf eigene Rechnung ausgereicht haben. Ohne Überziehungskredite." BBK_COMM_GEN_ENG="The MFI interest rate statistics gathered on a harmonised basis in the euro area are collected in Germany on a sample basis (stratified sample). Volume-weighted average rates of all renegotiated loansd concluded during the reporting month. (Interest rates per stratum are calculated by weighting the reported interest rates with the reported volumes of renegotiated loans. Then the interest rate for Germany is aggregated by weighting the interest rates of each stratum with the grossed-up volumes of the same stratum.) The effective interest rates may always be calculated either as annualised agreed interest rates or as narrowly defined effective rates. Both calculation methods cover all interest payments on deposits and loans but not any other related charges which may occur for enquiries, administration, preparation of the documents, guarantees and credit insurance. Secured and unsecured loans for home purchase, including building and home improvements; including loans granted by building and loan associations and interim credits as well as transmitted loans granted by the reporting agents in their own name and for their own account. Excluding overdrafts.">
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