RATIOXA / Reference data OFFICIAL CONTEXT · VERSIONED
Reference data A transparent snapshot of official rates, programme rules and market context used to explain assumptions — never a replacement for your personal offer.
reference-2026-08-17
Rate paid on banks' overnight deposits with the Eurosystem.
Effective from 2026-06-17
Verified 2026-08-17
Review or validity horizon 2026-09-30
Relevant calculators mortgage, refinance, loan, finance-or-cash European Central Bank · Open primary source ↗ Key rate for the Eurosystem's main refinancing operations.
Effective from 2026-06-17
Verified 2026-08-17
Review or validity horizon 2026-09-30
Relevant calculators mortgage, refinance, loan European Central Bank · Open primary source ↗ Net percentage of surveyed banks tightening standards in Q2 2026.
Effective from 2026-04-01
Verified 2026-08-17
Review or validity horizon 2026-10-31
Relevant calculators mortgage, affordability, rent-or-buy, refinance Deutsche Bundesbank · Open primary source ↗ Basic subsidy for residential heating under conditions effective from 21 July 2026.
Effective from 2026-07-21
Verified 2026-08-17
Review or validity horizon 2027-01-31
Relevant calculators heat-pump-vs-gas How to use it Eligibility, cost basis and caps must be checked for the individual case.
KfW Bankengruppe · Open primary source ↗ Bonus under heating-subsidy conditions effective from 21 July 2026.
Effective from 2026-07-21
Verified 2026-08-17
Review or validity horizon 2027-01-31
Relevant calculators heat-pump-vs-gas KfW Bankengruppe · Open primary source ↗ Pure EVs first registered or qualifyingly converted by this date may be eligible.
Effective from 2026-01-01
Verified 2026-08-17
Review or validity horizon 2030-12-31
Relevant calculators ev-vs-petrol, total-cost Bundesministerium der Finanzen · Open primary source ↗ SOURCE SNAPSHOT
Reference values are copied only deliberately. RATIOXA calculators keep user-entered offer data separate from contextual data and save the source and verification date.