In June 2026 the APR on new loans to families for the purchase of homes stood at 3.95%, just below the 3.96% recorded in May. At the same time, loans to families accelerated to +2.7% on an annual basis, from +2.6% in the previous month. Mortgages at 3.95%: what happens after the ECB increaseThe most immediate data for families concerns the home. Overall loans accelerate to 3.3%, those to families reach 2.7% and the APR on new mortgages remains substantially stable at 3.95%. On the opposite front, business financing slows down and consumer credit remains expensive, with an APR of 10.33%.