Albania: Mortgage credit interest rate
* indicates monthly or quarterly data series
The most recent value is 4.53 percent as of December 2022, a decline compared to the previous value of 4.6 percent. Historically, the average for Albania from December 2015 to December 2022 is 3.77 percent. The minimum of 2.95 percent was recorded in August 2021, while the maximum of 5.07 percent was reached in December 2015.
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* indicates monthly or quarterly data series
- Measure: percent
- Source: Bank of Albania
| Recent values | Albania: Mortgage credit interest rate, percent |
|---|---|
| 2022 Dec | 4.53 |
| 2022 Nov | 4.6 |
| 2022 Oct | 4.87 |
| 2022 Sep | 4.37 |
| 2022 Aug | 4.14 |
| 2022 Jul | 4.05 |
| 2022 Jun | 3.86 |
| 2022 May | 3.77 |
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Definition: The mortgage credit interest rate is the average interest rate on mortgage loan products offered to individuals and households by the commercial banks in the country. The mortgage credit is a loan used to finance the purchase of real estate.
| Related indicators | Latest | Reference | Measure |
|---|---|---|---|
| Inflation | 2.1 | 2025 | percent |
| Exchange rate regimes | 7 | 2023 | index points |
| USD exchange rate | 81.9453 | 7/2026 | Local Currency Units per USD |
| Money supply (broad money) | 1,271.41 | 6/2026 | billion |
| Consumer Price Index (CPI) | 120.9245 | 12/2025 | index points |
| Inflation, monthly | 0.66 | 12/2025 | percent |
| Inflation, annual | 2.26 | 12/2025 | percent |
| Food and beverages inflation | 2.10 | 12/2025 | percent |
| Alcohol and tobacco inflation | 2.50 | 12/2025 | percent |
| Energy price inflation | -1.10 | 12/2025 | percent |
| Transport services inflation | -0.80 | 12/2025 | percent |
| Services inflation | 3.30 | 12/2025 | percent |
| Information and communication inflation | 0.30 | 12/2025 | percent |
| Restaurant and accommodation services inflation | 2.20 | 12/2025 | percent |
| Health care inflation | 1.00 | 12/2025 | percent |
| Education services inflation | 2.20 | 12/2025 | percent |
| Clothing and footwear inflation | 2.20 | 12/2025 | percent |
| Housing inflation | 8.50 | 12/2025 | percent |
| Private sector credit | 957.10 | 6/2026 | billion |
| Business credit | 539.85 | 6/2026 | billion |
| Household credit | 417.25 | 6/2026 | billion |
| Mortgage credit | 258.95 | 6/2026 | billion |
| Consumer credit | 158.31 | 6/2026 | billion |
| Deposit interest rate | 1.13 | 12/2022 | percent |
| Business credit interest rate | 6.79 | 12/2022 | percent |
| Mortgage credit interest rate | 4.53 | 12/2022 | percent |
| Business credit in local currency | 233.13 | 3/2026 | billion local currency units |
| Business credit in foreign currency | 311.47 | 3/2026 | billion local currency units |
| Household credit in local currency | 311.47 | 3/2026 | billion local currency units |
| Household credit in foreign currency | 85.73 | 3/2026 | billion local currency units |
| Private credit in local currency | 544.59 | 3/2026 | billion local currency units |
| Private credit in foreign currency | 378.88 | 3/2026 | billion local currency units |
| Bank deposits, total | 1,568.40 | 4/2026 | billion local currency units |
| Bank deposits, local currency | 829.71 | 4/2026 | billion local currency units |
| Bank deposits, foreign currency | 738.69 | 4/2026 | billion local currency units |