Mortgage credit interest rate by country: the latest data

* indicates monthly or quarterly data series
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* indicates monthly or quarterly data series
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. The table shows the latest available data from the national authorities as well as the values from three months ago and one year ago. The data are updated continuously.

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.

Countries Latest available value Reference date Value 3 months ago Value 12 months ago
Albania 4.53 Dec / 2022 4.37 3.42
Antigua and Barbuda 8.00 Dec / 2019 8.00 8.00
Argentina 82.17 Jun / 2023 65.51 31.94
Armenia 12.53 Jun / 2023 12.50 11.51
Aruba 5.20 Q2 / 2023 5.20 5.30
Australia 7.59 Jul / 2023 7.01 5.76
Austria 3.94 Jun / 2023 3.60 1.64
Bahamas 5.19 Q2 / 2023 5.14 5.29
Bahrain 5.64 Jun / 2023 5.72 5.07
Bangladesh 8.73 Jun / 2023 8.74 8.85
Belgium 2.70 Jun / 2023 2.43 1.78
Benin 9.03 Jun / 2023 8.41 6.79
Bhutan 10.54 Jun / 2023 10.54 10.54
Bosnia and Herzegovina 4.45 Jun / 2023 4.17 3.55
Brazil 11.49 Jun / 2023 11.00 10.14
Bulgaria 2.81 Jun / 2023 2.82 2.89
Burkina Faso 6.68 Jun / 2023 7.63 7.56
Canada 4.44 Jun / 2023 4.27 2.81
Chile 4.20 Jun / 2023 4.31 4.32
Costa Rica 9.31 Mar / 2023 8.67 6.15
Croatia 2.85 Jun / 2023 2.87 2.99
Cyprus 3.59 Jun / 2023 3.32 1.81
Czechia 2.94 Jun / 2023 2.81 2.53
Denmark 4.84 Jun / 2023 4.37 2.58
Dominica 7.75 Dec / 2019 7.75 7.75
Dominican Republic 11.03 Jun / 2023 12.24 11.06
El Salvador 7.44 Jun / 2023 7.48 7.08
Estonia 5.39 Jun / 2023 4.84 2.15
Euro area 2.24 Jun / 2023 2.09 1.63
Finland 3.39 Jun / 2023 2.64 0.92
France 3.04 Jun / 2023 2.54 1.35
Georgia 11.84 Jun / 2023 12.98 12.49
Germany 4.06 Jun / 2023 3.88 2.57
Greece 4.07 Jun / 2023 3.78 3.09
Grenada 7.00 Dec / 2019 7.00 7.25
Guinea-Bissau 10.40 Jun / 2023 8.18 8.00
Hungary 5.09 Jun / 2023 4.94 4.62
Ireland 3.62 Jun / 2023 3.45 2.66
Italy 2.92 Jun / 2023 2.66 1.63
Ivory Coast 7.40 Jun / 2023 7.91 5.20
Jamaica 7.36 Jul / 2023 7.15 6.97
Kazakhstan 8.66 Dec / 2022 8.16 8.57
Latvia 7.31 Jun / 2023 6.76 4.95
Liberia 13.38 Q3 / 2022 13.38 13.22
Lithuania 5.31 Jun / 2023 4.52 2.04
Luxembourg 2.70 Jun / 2023 2.42 1.58
North Macedonia 3.61 Jun / 2023 3.56 3.51
Mali 8.47 Jun / 2023 7.88 8.10
Malta 2.72 Jun / 2023 2.65 2.77
Moldova 11.55 Jun / 2023 12.32 9.93
Montenegro 4.94 Jun / 2023 4.88 4.53
Montserrat 6.88 Dec / 2019 6.88 6.88
Nepal 12.43 Jul / 2023 13.13 11.62
Netherlands 2.45 Jun / 2023 2.40 2.25
New Zealand 7.33 Jul / 2023 7.14 6.13
Niger 9.61 Jun / 2023 8.85 8.98
Norway 4.66 Jun / 2023 4.22 2.41
Paraguay 10.87 Jun / 2023 11.44 10.24
Peru 7.09 Jun / 2023 6.99 6.65
Poland 7.32 Jun / 2023 7.44 7.16
Portugal 3.99 Jun / 2023 3.25 1.07
Romania 8.17 Jun / 2023 8.08 5.88
Russia 9.20 Nov / 2019 9.90 0.00
Saint Lucia 10.00 Dec / 2019 10.00 10.00
Saint Vincent and the Grenadines 8.00 Dec / 2019 8.00 8.00
Senegal 8.27 Mar / 2023 6.00 6.80
Serbia 10.09 Jun / 2023 10.07 6.65
Slovakia 3.90 Jun / 2023 3.69 1.79
Slovenia 3.77 Jun / 2023 3.41 1.97
South Africa 11.75 May / 2023 10.75 8.25
South Korea 4.26 Jun / 2023 4.40 4.04
Spain 3.19 Jun / 2023 2.70 1.24
Suriname 13.63 Jun / 2023 13.29 13.30
Sweden 3.43 Jun / 2023 3.02 1.61
Switzerland 3.02 Jun / 2023 3.11 2.75
Togo 8.20 Jun / 2023 8.26 6.97
Tonga 8.10 Q2 / 2022 8.10 8.11
Trinidad and Tobago 7.25 Q1 / 2023 7.25 7.50
Turkey 24.45 Jun / 2023 17.79 18.24
USA 6.39 Jun / 2023 5.94 5.27
Ukraine 13.17 Jun / 2023 13.37 10.26
United Kingdom 4.95 Jun / 2023 4.57 2.29
Vanuatu 16.25 Q4 / 2022 13.25 16.25
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