Finland: Mortgage credit interest rate
* indicates monthly or quarterly data series
The most recent value is 4.07 percent as of May 2024, a decline compared to the previous value of 4.08 percent. Historically, the average for Finland from January 2003 to May 2024 is 2.32 percent. The minimum of 0.79 percent was recorded in July 2021, while the maximum of 5.46 percent was reached in October 2008.
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* indicates monthly or quarterly data series
- Measure: percent
- Source: Bank of Finland
| Recent values | Finland: Mortgage credit interest rate, percent |
|---|---|
| 2024 May | 4.07 |
| 2024 Apr | 4.08 |
| 2024 Mar | 4.08 |
| 2024 Feb | 4.08 |
| 2024 Jan | 4.08 |
| 2023 Dec | 4.08 |
| 2023 Nov | 4.04 |
| 2023 Oct | 3.97 |
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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 | 0.3 | 2025 | percent |
| Exchange rate regimes | 7 | 2023 | index points |
| USD exchange rate | 0.8754 | 7/2026 | Local Currency Units per USD |
| Money supply (broad money) | 161.78 | 6/2024 | billion |
| Consumer Price Index (CPI) | 135.7990 | 4/2026 | index points |
| Inflation, monthly | 0.21 | 7/2026 | percent |
| Inflation, annual | 2.56 | 7/2026 | percent |
| Food and beverages inflation | 0.73 | 6/2026 | percent |
| Alcohol and tobacco inflation | 3.45 | 6/2026 | percent |
| Energy price inflation | 14.83 | 6/2026 | percent |
| Transport services inflation | 6.23 | 6/2026 | percent |
| Services inflation | 0.82 | 6/2026 | percent |
| Information and communication inflation | 1.54 | 6/2026 | percent |
| Restaurant and accommodation services inflation | 2.08 | 6/2026 | percent |
| Health care inflation | 4.01 | 6/2026 | percent |
| Education services inflation | 11.54 | 4/2026 | percent |
| Clothing and footwear inflation | 0.77 | 6/2026 | percent |
| Housing inflation | 0.05 | 4/2026 | percent |
| Private sector credit | 253.29 | 6/2026 | billion |
| Business credit | 111.36 | 6/2026 | billion |
| Household credit | 142.84 | 6/2026 | billion |
| Mortgage credit | 105.87 | 6/2026 | billion |
| Consumer credit | 36.90 | 6/2026 | billion |
| Deposit interest rate | 3.55 | 5/2024 | percent |
| Business credit interest rate | 4.73 | 5/2024 | percent |
| Mortgage credit interest rate | 4.07 | 5/2024 | percent |
| Household debt to GDP | 62.90 | 12/2025 | percent |
| Debt service ratios for private non-financial sector | 18.30 | Q4/2025 | percent |
| Bank deposits, total | 221.55 | 4/2026 | billion local currency units |
| Bank deposits, local currency | 214.72 | 4/2026 | billion local currency units |
| Bank deposits, foreign currency | 6.83 | 4/2026 | billion local currency units |