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  • Lending rates are increasing faster than deposit rates

    The average interest rate on new agreements for housing loans to households increased to 2.74 percent in March 2026 compared with 2.66 percent in February. At the same time, the average interest rate on households’ new bank deposits rose to 0.47 percent in March, an increase of 0.01 percentage points.

  • The growth rate of lending to non-financial corporations is rising

    The annual growth rate of lending to non-financial corporations continues to increase and reached 3.8 percent in February 2026. At the same time, the average interest rate on new lending agreements to non-financial corporations increased to 3.43 percent, compared with 3.40 percent in January. The annual growth rate of housing loans showed a slight increase and amounted to 2.9 percent in February.

  • The proportion of floating-rate mortgages continues to increase

    Mortgage interest rates across all maturities increased marginally in January 2026. The average floating interest rate for housing loans increased to 2.66 percent, compared with 2.65 percent in December 2025. At the same time, the proportion of mortgages with floating interest rate increased and, for the first time, exceeded 75 percent.

  • Floating mortgage interest rate continues to decline

    The annual growth rate for housing loans increased by 2.9 percent for December. The average floating interest rate for housing loans decreased in December to 2.65 percent while the average fixed interest rate on housing loans with maturities between 1-5 years increased to 2.93 percent.

  • Interest rates for housing loans with longer fixed terms are rising

    The average floating interest rate for housing loans decreased slightly in November 2025 to 2.68 percent compared with October. The average fixed interest rate on housing loans with maturities over 5 years increased by 0.12 percentage points in November, reaching 3.21 percent. The annual growth rate for housing loans showed a marginal change in November and was 2.7 percent.