As of December 2024, the average interest rate for a new standard 1-year residential mortgage in New Zealand was 6.3 percent. In comparison, the average 5-year interest rate for a residential mortgage was 6.15 percent. Average interest rates for new standard residential mortgages in the country started to trend upward from mid-2021. Rates peaked toward the end of 2023 and have begun trending downward.

In 2018, the real interest rate in New Zealand decreased by 2.8 percentage points (-254.55 percent) compared to 2017. Therefore, 2018 marks the lowest real interest rate during the observed period. Real interest rate is the adjusted lending interest rate to remove the effects of inflation, as measured by the GDP deflator (implicit price deflator).Find more statistics on other topics about New Zealand with key insights such as market capitalization of listed domestic companies.

中小企业透支率在11-01-2018达9.420年利率%，相较于10-01-2018的9.340年利率%有所增长。中小企业透支率数据按月更新，07-01-1988至11-01-2018期间平均值为10.020年利率%，共365份观测结果。该数据的历史最高值出现于07-01-1988，达16.020年利率%，而历史最低值则出现于09-01-1999，为7.500年利率%。CEIC提供的中小企业透支率数据处于定期更新的状态，数据来源于Reserve Bank of New Zealand，数据归类于Global Database的新西兰 – 表 NZ.M002：抵押贷款，放贷和存款利率。

Portugal, Canada, and the United States were the countries with the highest house price to income ratio in 2023. In all three countries, the index exceeded 130 index points, while the average for all OECD countries stood at 117.5 index points. The index measures the development of housing affordability and is calculated by dividing nominal house price by nominal disposable income per head, with 2015 set as a base year when the index amounted to 100. An index value of 120, for example, would mean that house price growth has outpaced income growth by 20 percent since 2015. How have house prices worldwide changed since the COVID-19 pandemic? House prices started to rise gradually after the global financial crisis (2007–2008), but this trend accelerated with the pandemic. The countries with advanced economies, which usually have mature housing markets, experienced stronger growth than countries with emerging economies. Real house price growth (accounting for inflation) peaked in 2022 and has since lost some of the gain. Although, many countries experienced a decline in house prices, the global house price index shows that property prices in 2023 were still substantially higher than before COVID-19. Renting vs. buying In the past, house prices have grown faster than rents. However, the home affordability has been declining notably, with a direct impact on rental prices. As people struggle to buy a property of their own, they often turn to rental accommodation. This has resulted in a growing demand for rental apartments and soaring rental prices.

存款利率：6个月在02-01-2025达4.390年利率%，相较于01-01-2025的4.850年利率%有所下降。存款利率：6个月数据按月更新，03-01-1965至02-01-2025期间平均值为5.550年利率%，共544份观测结果。该数据的历史最高值出现于07-01-1987，达18.000年利率%，而历史最低值则出现于06-01-2021，为0.820年利率%。CEIC提供的存款利率：6个月数据处于定期更新的状态，数据来源于Reserve Bank of New Zealand，数据归类于全球数据库的新西兰 – Table NZ.M006: Mortgage, Lending and Deposit Rates。