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  • Mortgage rates continued to decline in July

    The average floating interest rate for new mortgage agreements to households declined to 2.74 percent in July 2026. The fixed interest rates on housing loans with maturities over three months and up to one year decreased from 2.84 percent in June to 2.79 percent in July. The average interest rates for housing loans with maturities up to and including five years declined to 3.21 percent over the same period. At the same time, the growth rate for housing loans increased to 3.4 percent in July.

  • Floating mortgage interest rate continues to decline

    The average interest rates for housing loans with maturities up to and including 5 years declined in June 2026 compared with the previous month. The average floating interest rate on new agreements for housing loans decreased to 2.75 percent in June, from 2.78 percent in May. The interest rate on new agreements for lending to non-financial corporations was 3.31 percent in June 2026, which is the lowest level since September 2022.

  • Mortgage interest rates decline

    The average interest rates for housing loans across all maturities declined in May compared with the previous month. The average floating interest rate for housing loans decreased from 2.81 percent in April to 2.78 percent in May. The average fixed interest rate for housing loans with maturities over five years declined by 0.38 percentage points to 2.96 percent in May. The annual growth rate for housing loans increased marginally to 3.2 percent in May.

  • Mortgage interest rates continue to rise

    The average floating mortgage interest rate for new agreements to households was 2.81 percent in April 2026, representing an increase of 0.16 percentage points compared with March. The average mortgage interest rate for fixed periods between one and five years rose by 0.27 percentage points, reaching 3.29 percent in April 2026. The annual growth rate of housing loans remained broadly unchanged at 3.1 percent in April.

  • 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.