The annual average interest rate on new residential loans in Cyprus increased for the third year in a row in 2023, after ***** consecutive years of decline. In 2023, the average mortgage rate was **** percent - an increase of around *** percentage points from 2020 when the rate was at its lowest.

Mortgage credit interest rate, percent in Cyprus, September, 2025 The most recent value is 3.41 percent as of September 2025, a decline compared to the previous value of 3.67 percent. Historically, the average for Cyprus from November 2007 to September 2025 is 4.19 percent. The minimum of 1.65 percent was recorded in April 2021, while the maximum of 6.65 percent was reached in November 2013. | TheGlobalEconomy.com

Key information about Cyprus Bank Lending Rate

• Cyprus Bank Lending Rate was reported at 4.320 % pa in Sep 2025.
• This records an increase from the previous number of 4.194 % pa for Aug 2025.
• Cyprus Bank Lending Rate data is updated monthly, averaging 4.065 % pa from Nov 2007 to Sep 2025, with 215 observations.
• The data reached an all-time high of 7.661 % pa in Feb 2009 and a record low of 2.973 % pa in Apr 2020.
• Cyprus 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.

Cyprus - Overcrowding rate: Owner, with mortgage or loan was 1.20% in December of 2024, according to the EUROSTAT. Trading Economics provides the current actual value, an historical data chart and related indicators for Cyprus - Overcrowding rate: Owner, with mortgage or loan - last updated from the EUROSTAT on November of 2025. Historically, Cyprus - Overcrowding rate: Owner, with mortgage or loan reached a record high of 3.50% in December of 2020 and a record low of 0.50% in December of 2012.

Cyprus - Housing cost overburden rate: Owner, with mortgage or loan was 0.30% in December of 2024, according to the EUROSTAT. Trading Economics provides the current actual value, an historical data chart and related indicators for Cyprus - Housing cost overburden rate: Owner, with mortgage or loan - last updated from the EUROSTAT on November of 2025. Historically, Cyprus - Housing cost overburden rate: Owner, with mortgage or loan reached a record high of 6.00% in December of 2014 and a record low of 0.20% in December of 2022.

Cyprus Lending Rate: MFIs: NB: Households incl NPISH: Mortgage: Floating Rate data was reported at 4.559 % pa in Feb 2025. This records an increase from the previous number of 4.473 % pa for Jan 2025. Cyprus Lending Rate: MFIs: NB: Households incl NPISH: Mortgage: Floating Rate data is updated monthly, averaging 4.272 % pa from Nov 2007 (Median) to Feb 2025, with 208 observations. The data reached an all-time high of 6.891 % pa in Feb 2009 and a record low of 2.029 % pa in Feb 2020. Cyprus Lending Rate: MFIs: NB: Households incl NPISH: Mortgage: Floating Rate data remains active status in CEIC and is reported by Central Bank of Cyprus. The data is categorized under Global Database’s Cyprus – Table CY.M006: Lending Rates.

View monthly updates and historical trends for Cyprus Central Bank Lending Interest Rate (DISCONTINUED). Source: Eurostat. Track economic data with YChart…

Cyprus - Severe housing deprivation rate: Owner, with mortgage or loan was 0.40% in December of 2023, according to the EUROSTAT. Trading Economics provides the current actual value, an historical data chart and related indicators for Cyprus - Severe housing deprivation rate: Owner, with mortgage or loan - last updated from the EUROSTAT on December of 2025. Historically, Cyprus - Severe housing deprivation rate: Owner, with mortgage or loan reached a record high of 2.00% in December of 2016 and a record low of 0.00% in December of 2015.

Cyprus Lending Rate: MFIs: Outstanding: Households incl NPISH: Mortgage: Maturity: Over 1 and up to 5 Years data was reported at 4.327 % pa in Feb 2025. This records an increase from the previous number of 4.037 % pa for Jan 2025. Cyprus Lending Rate: MFIs: Outstanding: Households incl NPISH: Mortgage: Maturity: Over 1 and up to 5 Years data is updated monthly, averaging 4.070 % pa from Nov 2007 (Median) to Feb 2025, with 208 observations. The data reached an all-time high of 7.675 % pa in Nov 2013 and a record low of 1.569 % pa in Apr 2022. Cyprus Lending Rate: MFIs: Outstanding: Households incl NPISH: Mortgage: Maturity: Over 1 and up to 5 Years data remains active status in CEIC and is reported by Central Bank of Cyprus. The data is categorized under Global Database’s Cyprus – Table CY.M006: Lending Rates.

Cyprus Lending Rate: MFIs: Outstanding: Households incl NPISH: Mortgage: Maturity: Up to 1 Year data was reported at 2.941 % pa in Feb 2025. This records a decrease from the previous number of 2.963 % pa for Jan 2025. Cyprus Lending Rate: MFIs: Outstanding: Households incl NPISH: Mortgage: Maturity: Up to 1 Year data is updated monthly, averaging 4.057 % pa from Nov 2007 (Median) to Feb 2025, with 208 observations. The data reached an all-time high of 7.437 % pa in May 2014 and a record low of 1.086 % pa in Jul 2020. Cyprus Lending Rate: MFIs: Outstanding: Households incl NPISH: Mortgage: Maturity: Up to 1 Year data remains active status in CEIC and is reported by Central Bank of Cyprus. The data is categorized under Global Database’s Cyprus – Table CY.M006: Lending Rates.

Cyprus Lending Rate: MFIs: Outstanding: Households incl NPISH: Mortgage: Maturity: Over 5 Years data was reported at 4.172 % pa in Feb 2025. This records a decrease from the previous number of 4.286 % pa for Jan 2025. Cyprus Lending Rate: MFIs: Outstanding: Households incl NPISH: Mortgage: Maturity: Over 5 Years data is updated monthly, averaging 4.262 % pa from Nov 2007 (Median) to Feb 2025, with 208 observations. The data reached an all-time high of 5.906 % pa in Sep 2008 and a record low of 2.037 % pa in Dec 2021. Cyprus Lending Rate: MFIs: Outstanding: Households incl NPISH: Mortgage: Maturity: Over 5 Years data remains active status in CEIC and is reported by Central Bank of Cyprus. The data is categorized under Global Database’s Cyprus – Table CY.M006: Lending Rates.

Cyprus Lending Rate: MFIs: NB: NFC: Up to 1 Million EUR: Floating Rate data was reported at 4.657 % pa in Feb 2025. This records a decrease from the previous number of 5.080 % pa for Jan 2025. Cyprus Lending Rate: MFIs: NB: NFC: Up to 1 Million EUR: Floating Rate data is updated monthly, averaging 5.355 % pa from Nov 2007 (Median) to Feb 2025, with 208 observations. The data reached an all-time high of 7.661 % pa in Feb 2009 and a record low of 2.973 % pa in Apr 2020. Cyprus Lending Rate: MFIs: NB: NFC: Up to 1 Million EUR: Floating Rate data remains active status in CEIC and is reported by Central Bank of Cyprus. The data is categorized under Global Database’s Cyprus – Table CY.M006: Lending Rates.

Mortgage credit interest rate, percent in Chypre, septembre, 2025 Pour cet indicateur, Central Bank of Cyprus fournit des données pour la Chypre de novembre 2007 à septembre 2025. La valeur moyenne pour Chypre pendant cette période était de 4.19 pour cent avec un minimum de 1.65 pour cent en avril 2021 et un maximum de 6.65 pour cent en novembre 2013. | TheGlobalEconomy.com

Cyprus Lending Rate: MFIs: Outstanding: NFC: Maturity: Over 5 Years data was reported at 4.916 % pa in Feb 2025. This records a decrease from the previous number of 5.013 % pa for Jan 2025. Cyprus Lending Rate: MFIs: Outstanding: NFC: Maturity: Over 5 Years data is updated monthly, averaging 5.384 % pa from Nov 2007 (Median) to Feb 2025, with 208 observations. The data reached an all-time high of 6.550 % pa in Oct 2008 and a record low of 2.915 % pa in Apr 2021. Cyprus Lending Rate: MFIs: Outstanding: NFC: Maturity: Over 5 Years data remains active status in CEIC and is reported by Central Bank of Cyprus. The data is categorized under Global Database’s Cyprus – Table CY.M006: Lending Rates.

Cyprus CY: Lending Rate: Corporations: Stocks: Up to 1 Year data was reported at 5.290 % pa in Jan 2025. This records a decrease from the previous number of 5.310 % pa for Dec 2024. Cyprus CY: Lending Rate: Corporations: Stocks: Up to 1 Year data is updated monthly, averaging 5.770 % pa from Jan 2008 (Median) to Jan 2025, with 205 observations. The data reached an all-time high of 7.480 % pa in Sep 2008 and a record low of 3.270 % pa in Apr 2022. Cyprus CY: Lending Rate: Corporations: Stocks: Up to 1 Year data remains active status in CEIC and is reported by International Monetary Fund. The data is categorized under Global Database’s Cyprus – Table CY.IMF.IFS: Lending, Saving and Deposit Rates.

Greece, Cyprus, and Hungary were the countries with the highest share of non-performing mortgage loans in the second quarter of 2023. In Greece, *** percent of the gross carrying amount of mortgage loans to households was considered non-performing. In Spain, which was the country with the highest value of non-performing mortgages, this share was *** percent.

Cyprus Lending Rate: MFIs: NB: Non Financial Corporations (NFC): Bank Overdrafts data was reported at 5.069 % pa in Feb 2025. This records a decrease from the previous number of 5.226 % pa for Jan 2025. Cyprus Lending Rate: MFIs: NB: Non Financial Corporations (NFC): Bank Overdrafts data is updated monthly, averaging 5.512 % pa from Nov 2007 (Median) to Feb 2025, with 208 observations. The data reached an all-time high of 7.451 % pa in Sep 2008 and a record low of 3.187 % pa in Apr 2022. Cyprus Lending Rate: MFIs: NB: Non Financial Corporations (NFC): Bank Overdrafts data remains active status in CEIC and is reported by Central Bank of Cyprus. The data is categorized under Global Database’s Cyprus – Table CY.M006: Lending Rates. For this instrument category, new business and outstanding amounts coincide i.e. they refer to end-of-period.

Cyprus Lending Rate: MFIs: NB: Households incl NPISH: Consumer Credit: Floating Rate data was reported at 7.109 % pa in Feb 2025. This records an increase from the previous number of 6.247 % pa for Jan 2025. Cyprus Lending Rate: MFIs: NB: Households incl NPISH: Consumer Credit: Floating Rate data is updated monthly, averaging 5.514 % pa from Nov 2007 (Median) to Feb 2025, with 208 observations. The data reached an all-time high of 7.998 % pa in Oct 2024 and a record low of 2.765 % pa in Jul 2019. Cyprus Lending Rate: MFIs: NB: Households incl NPISH: Consumer Credit: Floating Rate data remains active status in CEIC and is reported by Central Bank of Cyprus. The data is categorized under Global Database’s Cyprus – Table CY.M006: Lending Rates.

Cyprus Lending Rate: MFIs: NB: Households incl NPISH: Consumer Credit: APR of Charge data was reported at 6.418 % pa in Feb 2025. This records an increase from the previous number of 6.399 % pa for Jan 2025. Cyprus Lending Rate: MFIs: NB: Households incl NPISH: Consumer Credit: APR of Charge data is updated monthly, averaging 5.920 % pa from Nov 2007 (Median) to Feb 2025, with 208 observations. The data reached an all-time high of 8.295 % pa in Feb 2009 and a record low of 3.300 % pa in Sep 2019. Cyprus Lending Rate: MFIs: NB: Households incl NPISH: Consumer Credit: APR of Charge data remains active status in CEIC and is reported by Central Bank of Cyprus. The data is categorized under Global Database’s Cyprus – Table CY.M006: Lending Rates.

Cyprus Lending Rate: MFIs: Outstanding: Households incl NPISH: Consumer Credit: Maturity: Up to 1 Year data was reported at 7.550 % pa in Feb 2025. This records a decrease from the previous number of 7.686 % pa for Jan 2025. Cyprus Lending Rate: MFIs: Outstanding: Households incl NPISH: Consumer Credit: Maturity: Up to 1 Year data is updated monthly, averaging 7.476 % pa from Nov 2007 (Median) to Feb 2025, with 208 observations. The data reached an all-time high of 8.448 % pa in Feb 2009 and a record low of 5.103 % pa in Mar 2020. Cyprus Lending Rate: MFIs: Outstanding: Households incl NPISH: Consumer Credit: Maturity: Up to 1 Year data remains active status in CEIC and is reported by Central Bank of Cyprus. The data is categorized under Global Database’s Cyprus – Table CY.M006: Lending Rates.