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  • 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.

  • The proportion of floating-rate mortgages is increasing

    The average floating mortgage interest rate decreased in October to 2.69 percent, down from 2.80 percent in September. At the same time, the proportion of mortgages with floating interest rate increased to 74 percent. The growth rate for housing loans increased in October to 2.7 percent, compared with 2.6 percent in September.

  • Fixed housing loan interest rates increase

    The fixed interest rates for housing loans over 3 months increased in September 2025. The average floating interest rate for housing loans simultaneously decreased to 2.80 percent in September from 2.86 percent in August. The monetary financial institutions’ total deposits from households decreased to 2 860 billion in September compared to 2 869 billion in August.