Mortgage credit interest rate, percent in Cyprus, March, 2025 The most recent value is 3.94 percent as of March 2025, an increase compared to the previous value of 3.81 percent. Historically, the average for Cyprus from November 2007 to March 2025 is 4.2 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

Cyprus Lending Rate: MFIs: NB: Households incl NPISH: Mortgage: APR of Charge data was reported at 4.872 % pa in Feb 2025. This records an increase from the previous number of 4.535 % pa for Jan 2025. Cyprus Lending Rate: MFIs: NB: Households incl NPISH: Mortgage: APR of Charge data is updated monthly, averaging 4.347 % pa from Nov 2007 (Median) to Feb 2025, with 208 observations. The data reached an all-time high of 7.026 % pa in Feb 2009 and a record low of 2.725 % pa in Apr 2020. Cyprus Lending Rate: MFIs: NB: Households incl NPISH: Mortgage: 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. The annual percentage rate of charge covers the total cost of loan. The total cost comprises an interest rate component and a component of other (related) charges, such as the cost of inquiries, administration, preparation of documents, guarantees, etc

Cyprus Lending Rate: MFIs: Outstanding: Households incl NPISH: Consumer Credit: Maturity: Over 1 and up to 5 Years data was reported at 5.823 % pa in Feb 2025. This records a decrease from the previous number of 5.898 % pa for Jan 2025. Cyprus Lending Rate: MFIs: Outstanding: Households incl NPISH: Consumer Credit: Maturity: Over 1 and up to 5 Years data is updated monthly, averaging 5.516 % pa from Nov 2007 (Median) to Feb 2025, with 208 observations. The data reached an all-time high of 8.069 % pa in Sep 2008 and a record low of 3.061 % pa in Jul 2020. Cyprus Lending Rate: MFIs: Outstanding: Households incl NPISH: Consumer Credit: 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.

Companies operating in the third-party real estate industry have had to navigate numerous economic headwinds in recent years, ranging from rising interest rates, spiralling inflation and muted economic growth. Typically, estate agents can earn income via fees and commissions charged to clients, which allows them to protect their operating profit margin from property price fluctuations. Revenue is projected to sink at a compound annual rate of 0.6% over the five years through 2025, including an estimated rise of 1.2% in 2025 to €207.6billion, while the average industry profit margin is forecast to reach 35.1%. Amid spiralling inflation, central banks across Europe ratcheted up interest rates, resulting in borrowing costs skyrocketing in the two years through 2023. In residential markets, elevated mortgage rates combined with tightening credit conditions eventually ate into demand, inciting a drop in house prices. Rental markets performed well when house prices were elevated, being the cheaper alternative for cash-strapped buyers. However, even lessors felt the pinch of rising mortgage rates, forcing them to hoist rent to cover costs and pricing out potential buyers. This led to a slowdown in rental markets in 2023, weighing on revenue growth. However, this have started to turn around in 2025 as interest rates have been falling across Europe in the two years through 2025, reducing borrowing costs for buyers and boosting property transactions. This has helped revenue to rebound slightly in 2025 as estate agents earn commission from property transactions. Revenue is forecast to swell at a compound annual rate of 3.7% over the five years through 2030 to €249.5 billion. Housing prices are recovering in 2025 as fixed-rate mortgages begin to drop and economic uncertainty subsides, aiding revenue growth in the short term. Over the coming years, Proptech, which has been heavily invested in, will force estate agents to adapt, shaking up the traditional real estate industry. A notable application of Proptech is the use of AI and data analytics to predict a home’s future value and speed up the process of retrofitting properties to become more sustainable.

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 June 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 - Overcrowding rate: Owner, no outstanding mortgage or housing loan was 0.80% 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, no outstanding mortgage or housing loan - last updated from the EUROSTAT on June of 2025. Historically, Cyprus - Overcrowding rate: Owner, no outstanding mortgage or housing loan reached a record high of 2.80% in December of 2010 and a record low of 0.80% in December of 2024.

Mortgage credit interest rate, percent in Chypre, mars, 2025 Pour cet indicateur, Central Bank of Cyprus fournit des données pour la Chypre de novembre 2007 à mars 2025. La valeur moyenne pour Chypre pendant cette période était de 4.2 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: 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.

Cyprus - Severe housing deprivation rate: Owner, with mortgage or loan was 0.20% 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 July 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.

Companies operating in the third-party real estate industry have had to navigate numerous economic headwinds in recent years, ranging from rising interest rates, spiralling inflation and muted economic growth. Revenue is projected to sink at a compound annual rate of 3.7% over the five years through 2024, including an estimated slump of 2.1% in 2024 to €196.2 billion, while the average industry profit margin is forecast to reach 34.6%. Amid spiralling inflation, central banks across Europe ratcheted up interest rates, resulting in borrowing costs skyrocketing in the two years through 2023. In residential markets, elevated mortgage rates combined with tightening credit conditions eventually ate into demand, inciting a drop in house prices. Rental markets performed well when house prices were elevated, being the cheaper alternative for cash-strapped buyers. However, even lessors felt the pinch of rising mortgage rates, forcing them to hoist rent to cover costs and pricing out potential buyers. This led to a slowdown in rental markets in 2023, weighing on revenue growth. Revenue is forecast to swell at a compound annual rate of 4% over the five years through 2029 to €238.7 billion. Following a correction during 2024, housing prices are set to being recovering in 2025 as fixed-rate mortgages begin to drop and economic uncertainty subsides, aiding revenue growth in the short term. Over the coming years, Proptech, which has been heavily invested in, will force estate agents to adapt, shaking up the traditional real estate industry. A notable application of Proptech is the use of AI and data analytics to predict a home’s future value.

Cyprus Lending Rate: MFIs: NB: NFC: Over 1 Million EUR: Floating Rate data was reported at 4.482 % pa in Feb 2025. This records a decrease from the previous number of 4.895 % pa for Jan 2025. Cyprus Lending Rate: MFIs: NB: NFC: Over 1 Million EUR: Floating Rate data is updated monthly, averaging 4.669 % pa from Nov 2007 (Median) to Feb 2025, with 208 observations. The data reached an all-time high of 7.282 % pa in Jan 2012 and a record low of 2.416 % pa in Apr 2020. Cyprus Lending Rate: MFIs: NB: NFC: Over 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.

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: 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.

Gross Ext. Debt Pos., DI: Intercom Lending, All maturities, All instruments, USD in Cyprus was reported at 102972655229 USD in 2024, according to the World Bank collection of development indicators, compiled from officially recognized sources. Cyprus - Gross Ext. Debt Pos., DI: Intercom Lending, All maturities, All instruments, USD - actual values, historical data, forecasts and projections were sourced from the World Bank on July of 2025.

Cyprus Lending Rate: MFIs: Outstanding: NFC: Maturity: Up to 1 Year data was reported at 5.176 % pa in Feb 2025. This records a decrease from the previous number of 5.292 % pa for Jan 2025. Cyprus Lending Rate: MFIs: Outstanding: NFC: Maturity: Up to 1 Year data is updated monthly, averaging 5.771 % pa from Nov 2007 (Median) to Feb 2025, with 208 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 Lending Rate: MFIs: Outstanding: NFC: 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.

Gross Ext. Debt Pos., DI: Intercom Lending, All maturities, Debt liab. of DI ent. to dir. investors, USD in Cyprus was reported at 1080028127 USD in 2024, according to the World Bank collection of development indicators, compiled from officially recognized sources. Cyprus - Gross Ext. Debt Pos., DI: Intercom Lending, All maturities, Debt liab. of DI ent. to dir. investors, USD - actual values, historical data, forecasts and projections were sourced from the World Bank on June of 2025.

Cyprus - Net lending (+) /net borrowing (-): Paid was EUR-2999.00 Million in December of 2023, according to the EUROSTAT. Trading Economics provides the current actual value, an historical data chart and related indicators for Cyprus - Net lending (+) /net borrowing (-): Paid - last updated from the EUROSTAT on June of 2025. Historically, Cyprus - Net lending (+) /net borrowing (-): Paid reached a record high of EUR597.00 Million in December of 1998 and a record low of EUR-4875.00 Million in December of 2007.

Cyprus - Net lending (+) /net borrowing (-): Non-financial corporations was EUR-3093.00 Million in December of 2023, according to the EUROSTAT. Trading Economics provides the current actual value, an historical data chart and related indicators for Cyprus - Net lending (+) /net borrowing (-): Non-financial corporations - last updated from the EUROSTAT on June of 2025. Historically, Cyprus - Net lending (+) /net borrowing (-): Non-financial corporations reached a record high of EUR896.00 Million in December of 2003 and a record low of EUR-3093.00 Million in December of 2023.