The ECB raised its deposit rate again on 16 September 2026, its second hike this year. Replay every ECB decision since 2022 on your own loan and see what each one did to the monthly bill.
Take a €300,000 loan over 30 years, priced at the ECB deposit rate plus 1.5 points. In June 2022 the deposit rate was -0.50%, so the payment was about €965. By how much has the monthly payment risen at the 2023 peak?
The rate resets in the month of every ECB decision. Payment is an annuity recalculated on the remaining balance and term.
| Effective | Deposit rate | Payment after | Change |
|---|
Tap a row to mark it on the chart.
Deposit facility rates and effective dates: European Central Bank, key ECB interest rates, checked 15 October 2026. The next ECB decision is scheduled for 29 October 2026. Loan maths are mine.
Real floating mortgages usually follow Euribor or a bank-set rate, not the deposit rate directly, so treat this as an illustration of scale. Educational only, not financial advice.