Key information about Colombia Bank Lending Rate

• Colombia Bank Lending Rate was reported at 14.305 % pa in Oct 2025.
• This records an increase from the previous number of 13.795 % pa for Sep 2025.
• Colombia Bank Lending Rate data is updated monthly, averaging 13.801 % pa from Jan 1986 to Oct 2025, with 478 observations.
• The data reached an all-time high of 50.490 % pa in Jun 1998 and a record low of 8.203 % pa in May 2021.
• Colombia Bank Lending Rate data remains active status in CEIC and is reported by CEIC Data.
• The data is categorized under World Trend Plus’s Global Economic Monitor – Table: Bank Lending Rate: Monthly.

Lending interest rate (%) in Colombia was reported at 16.37 % in 2024, according to the World Bank collection of development indicators, compiled from officially recognized sources. Colombia - Lending interest rate - actual values, historical data, forecasts and projections were sourced from the World Bank on November of 2025.

As of 2019, approximately ** percent of the adult population in Colombia had an active mortgage loan, up from **** percent registered in the previous year. Compared to the years presented, 2018 had the lowest ownership rate of active mortgage loan.

The benchmark interest rate in Colombia was last recorded at 9.25 percent. This dataset provides the latest reported value for - Colombia Interest Rate - plus previous releases, historical high and low, short-term forecast and long-term prediction, economic calendar, survey consensus and news.

Colombia Mortgage Loans data was reported at 1,157,705.000 Number in Mar 2019. This records an increase from the previous number of 1,152,768.000 Number for Dec 2018. Colombia Mortgage Loans data is updated quarterly, averaging 812,264.000 Number from Mar 2003 (Median) to Mar 2019, with 65 observations. The data reached an all-time high of 1,157,705.000 Number in Mar 2019 and a record low of 727,784.000 Number in Sep 2006. Colombia Mortgage Loans data remains active status in CEIC and is reported by National Statistics Administrative Department. The data is categorized under Global Database’s Colombia – Table CO.KB002: Mortgage Loan.

Colombia: Bank lending-deposit interest rate spread : The latest value from 2020 is 6.47 interest rate points, a decline from 7.27 interest rate points in 2019. In comparison, the world average is 6.59 interest rate points, based on data from 93 countries. Historically, the average for Colombia from 1986 to 2020 is 7.99 interest rate points. The minimum value, 5.72 interest rate points, was reached in 2010 while the maximum of 10.44 interest rate points was recorded in 1994.

CO: Lending Interest Rate data was reported at 16.374 % pa in 2024. This records a decrease from the previous number of 21.031 % pa for 2023. CO: Lending Interest Rate data is updated yearly, averaging 16.327 % pa from Dec 1986 (Median) to 2024, with 39 observations. The data reached an all-time high of 46.421 % pa in 1991 and a record low of 9.338 % pa in 2021. CO: Lending Interest Rate data remains active status in CEIC and is reported by World Bank. The data is categorized under Global Database’s Colombia – Table CO.World Bank.WDI: Interest Rates. Lending rate is the bank rate that usually meets the short- and medium-term financing needs of the private sector. This rate is normally differentiated according to creditworthiness of borrowers and objectives of financing. The terms and conditions attached to these rates differ by country, however, limiting their comparability.;International Monetary Fund, International Financial Statistics and data files.;;

The Latin American home mortgage finance market, valued at approximately $XX million in 2025, is projected to experience steady growth, exhibiting a Compound Annual Growth Rate (CAGR) of 3.00% from 2025 to 2033. This growth is fueled by several key drivers, including increasing urbanization, rising disposable incomes across various socioeconomic segments, and government initiatives aimed at boosting homeownership rates. Furthermore, the expansion of the formal financial sector and the availability of innovative mortgage products, such as adjustable-rate mortgages catering to diverse financial profiles, contribute to market expansion. However, economic volatility in certain Latin American nations and fluctuating interest rates pose significant challenges. The market is segmented by mortgage type (fixed-rate and adjustable-rate), loan tenure (ranging from under 5 years to over 25 years), and geography, with Brazil, Chile, Colombia, and Peru representing significant market shares. Competition is intense, with major players including Caixa Economica Federal, Banco do Brasil, Itaú, Bradesco, Santander, and others vying for market dominance. The market's future trajectory hinges on managing economic instability, maintaining affordable interest rates, and continuing to improve access to credit for a broader range of borrowers. The segment analysis reveals that fixed-rate mortgages currently dominate the market, though adjustable-rate mortgages are gaining traction due to their flexibility. Longer-tenure mortgages (11-24 years and 25-30 years) are increasingly popular as borrowers seek more manageable monthly payments. Geographically, Brazil holds the largest market share, reflecting its substantial population and relatively developed financial sector. However, Chile, Colombia, and Peru are showing promising growth potential, driven by improving economic conditions and increased government support for housing initiatives. The Rest of Latin America segment offers considerable untapped potential. Continued economic development and infrastructure improvements in these regions will be instrumental in further propelling market growth in the coming years. A focus on financial literacy and responsible lending practices will be essential for sustainable market development and to mitigate potential risks associated with rapid expansion. Recent developments include: In August 2022, Two new mortgage fintech start-ups emerged in Latin America: Toperty launched in Colombia and Saturn5 is about to launch in Mexico. Toperty offers to purchase a customer's new house outright and provides a payment schedule that allows the customer to purchase the house while renting it from the business. Saturn5 wants to give its clients the skills and resources they need to buy a house on their own., In August 2022, During a conference call on August 5, Brazilian lender Banco Bradesco SA startled analysts by reporting an increase in default rates in the second quarter of 2022. The average 90-day nonperforming loan ratio for Bradesco, the second-largest private bank in Latin America, increased by 30 basis points. Delinquency in the overall portfolio increased to 3.5% from 2.5% and 3.2%, respectively, in the first quarter.. Notable trends are: Increase in Economic Growth and GDP per capita.

Actual value and historical data chart for Colombia Interest Rate Spread Lending Rate Minus Deposit Rate Percent

Accorging to the source, Risaralda, Bogota, and San Andres had the highest share of rental homes in Colombia in 2021. Almost half of the residential units in these departments were rentals. Meanwhile, Bogota Capital District had the highest share of homes with a mortgage (*** percent).

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The Latin America Home Mortgage Finance Market is segmented by type (Fixed-rate Mortgage, Adjustable-rate Mortgage), by Tenure (Up to 5 Years, 6 - 10 Years, 11 - 24 Years, and 25 - 30 Years), and by Geography (Brazil, Chile, Peru, Colombia, and the Rest of Latin America). The report offers market size and forecasts for Latin America Home Mortgage Finance Market in value (USD Billion) for all the above segments.

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Colombia Nominal Lending Rate: Excl Treasury data was reported at 14.453 % pa in Mar 2025. This records an increase from the previous number of 14.385 % pa for Feb 2025. Colombia Nominal Lending Rate: Excl Treasury data is updated monthly, averaging 14.058 % pa from May 1999 (Median) to Mar 2025, with 311 observations. The data reached an all-time high of 34.176 % pa in Feb 2008 and a record low of 8.213 % pa in May 2021. Colombia Nominal Lending Rate: Excl Treasury data remains active status in CEIC and is reported by Bank of the Republic of Colombia. The data is categorized under Global Database’s Colombia – Table CO.M001: Nominal Lending Rate.

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