Data / Outstanding household housing loan rate / Cyprus

Outstanding household housing loan rate in Cyprus

Outstanding household housing loan rate in Cyprus was 3.56% in August 2026, according to the European Central Bank. That is down 0.07 pts from August 2025. That is the 4th highest of 20 EU countries in August 2026.

August 20263.56%
Change on August 2025-0.07 pts
Rank4th of 20EU countries ranked
Series high5.94September 2008
Series low2.02April 2021
Get an email when a new figure is out or this one is revised.

Outstanding household housing loan rate in Cyprus, January 2008 to August 2026

234562008-012010-092013-052016-012018-092021-052024-012026-082008-01: 5.51 %2008-02: 5.5 %2008-03: 5.48 %2008-04: 5.5 %2008-05: 5.53 %2008-06: 5.65 %2008-07: 5.86 %2008-08: 5.86 %2008-09: 5.94 %2008-10: 5.82 %2008-11: 5.59 %2008-12: 5.42 %2009-01: 5.74 %2009-02: 5.83 %2009-03: 5.66 %2009-04: 5.54 %2009-05: 5.66 %2009-06: 5.65 %2009-07: 5.6 %2009-08: 5.58 %2009-09: 5.48 %2009-10: 5.39 %2009-11: 5.41 %2009-12: 5.23 %2010-01: 5.31 %2010-02: 5.23 %2010-03: 5.17 %2010-04: 5.09 %2010-05: 5.04 %2010-06: 4.86 %2010-07: 5.01 %2010-08: 4.98 %2010-09: 4.98 %2010-10: 4.97 %2010-11: 4.98 %2010-12: 4.98 %2011-01: 4.99 %2011-02: 4.98 %2011-03: 4.99 %2011-04: 5.04 %2011-05: 5.11 %2011-06: 5.13 %2011-07: 5.18 %2011-08: 5.19 %2011-09: 5.24 %2011-10: 5.27 %2011-11: 5.23 %2011-12: 5.19 %2012-01: 5.19 %2012-02: 5.22 %2012-03: 5.26 %2012-04: 5.23 %2012-05: 5.24 %2012-06: 5.24 %2012-07: 5.21 %2012-08: 5.22 %2012-09: 5.22 %2012-10: 5.22 %2012-11: 5.22 %2012-12: 5.24 %2013-01: 5.26 %2013-02: 5.27 %2013-03: 5.27 %2013-04: 5.32 %2013-05: 5.25 %2013-06: 5.26 %2013-07: 5.27 %2013-08: 5.27 %2013-09: 5.24 %2013-10: 5.2 %2013-11: 5.2 %2013-12: 4.98 %2014-01: 4.93 %2014-02: 4.96 %2014-03: 4.96 %2014-04: 4.94 %2014-05: 4.93 %2014-06: 4.82 %2014-07: 4.78 %2014-08: 4.75 %2014-09: 4.68 %2014-10: 4.68 %2014-11: 4.67 %2014-12: 4.62 %2015-01: 4.6 %2015-02: 4.59 %2015-03: 3.7 %2015-04: 3.66 %2015-05: 3.67 %2015-06: 3.61 %2015-07: 3.58 %2015-08: 3.58 %2015-09: 3.55 %2015-10: 3.54 %2015-11: 3.54 %2015-12: 3.53 %2016-01: 3.52 %2016-02: 3.5 %2016-03: 3.47 %2016-04: 3.44 %2016-05: 3.42 %2016-06: 3.36 %2016-07: 3.35 %2016-08: 3.33 %2016-09: 3.31 %2016-10: 3.26 %2016-11: 3.24 %2016-12: 3.23 %2017-01: 3.22 %2017-02: 3.19 %2017-03: 3.17 %2017-04: 3.16 %2017-05: 3.14 %2017-06: 3.13 %2017-07: 3.11 %2017-08: 3.1 %2017-09: 3.09 %2017-10: 3.04 %2017-11: 3.02 %2017-12: 2.98 %2018-01: 2.97 %2018-02: 2.96 %2018-03: 2.93 %2018-04: 2.92 %2018-05: 2.89 %2018-06: 2.87 %2018-07: 2.87 %2018-08: 2.84 %2018-09: 2.74 %2018-10: 2.73 %2018-11: 2.65 %2018-12: 2.59 %2019-01: 2.58 %2019-02: 2.53 %2019-03: 2.46 %2019-04: 2.45 %2019-05: 2.41 %2019-06: 2.37 %2019-07: 2.34 %2019-08: 2.31 %2019-09: 2.27 %2019-10: 2.27 %2019-11: 2.22 %2019-12: 2.18 %2020-01: 2.17 %2020-02: 2.16 %2020-03: 2.13 %2020-04: 2.14 %2020-05: 2.13 %2020-06: 2.11 %2020-07: 2.1 %2020-08: 2.09 %2020-09: 2.08 %2020-10: 2.08 %2020-11: 2.06 %2020-12: 2.04 %2021-01: 2.04 %2021-02: 2.03 %2021-03: 2.03 %2021-04: 2.02 %2021-05: 2.02 %2021-06: 2.03 %2021-07: 2.03 %2021-08: 2.02 %2021-09: 2.02 %2021-10: 2.02 %2021-11: 2.02 %2021-12: 2.02 %2022-01: 2.03 %2022-02: 2.02 %2022-03: 2.02 %2022-04: 2.02 %2022-05: 2.04 %2022-06: 2.05 %2022-07: 2.17 %2022-08: 2.21 %2022-09: 2.43 %2022-10: 2.51 %2022-11: 2.76 %2022-12: 2.97 %2023-01: 3.17 %2023-02: 3.4 %2023-03: 3.58 %2023-04: 3.62 %2023-05: 3.79 %2023-06: 3.91 %2023-07: 3.98 %2023-08: 4.1 %2023-09: 4.24 %2023-10: 4.26 %2023-11: 4.35 %2023-12: 4.36 %2024-01: 4.36 %2024-02: 4.58 %2024-03: 4.61 %2024-04: 4.6 %2024-05: 4.62 %2024-06: 4.64 %2024-07: 4.63 %2024-08: 4.68 %2024-09: 4.6 %2024-10: 4.54 %2024-11: 4.44 %2024-12: 4.37 %2025-01: 4.28 %2025-02: 4.07 %2025-03: 4.01 %2025-04: 3.93 %2025-05: 3.83 %2025-06: 3.75 %2025-07: 3.71 %2025-08: 3.63 %2025-09: 3.57 %2025-10: 3.56 %2025-11: 3.52 %2025-12: 3.5 %2026-01: 3.5 %2026-02: 3.5 %2026-03: 3.48 %2026-04: 3.48 %2026-05: 3.49 %2026-06: 3.52 %2026-07: 3.53 %2026-08: 3.56 %
%. Source: ECB, ECB MIR: Outstanding household housing loan rate (M.<area>.B.A22.A.R.A.2250.EUR.O). Retrieved 2026-10-12.
All 224 values
Period%
2026-083.56
2026-073.53
2026-063.52
2026-053.49
2026-043.48
2026-033.48
2026-023.5
2026-013.5
2025-123.5
2025-113.52
2025-103.56
2025-093.57
2025-083.63
2025-073.71
2025-063.75
2025-053.83
2025-043.93
2025-034.01
2025-024.07
2025-014.28
2024-124.37
2024-114.44
2024-104.54
2024-094.6
2024-084.68
2024-074.63
2024-064.64
2024-054.62
2024-044.6
2024-034.61
2024-024.58
2024-014.36
2023-124.36
2023-114.35
2023-104.26
2023-094.24
2023-084.1
2023-073.98
2023-063.91
2023-053.79
2023-043.62
2023-033.58
2023-023.4
2023-013.17
2022-122.97
2022-112.76
2022-102.51
2022-092.43
2022-082.21
2022-072.17
2022-062.05
2022-052.04
2022-042.02
2022-032.02
2022-022.02
2022-012.03
2021-122.02
2021-112.02
2021-102.02
2021-092.02
2021-082.02
2021-072.03
2021-062.03
2021-052.02
2021-042.02
2021-032.03
2021-022.03
2021-012.04
2020-122.04
2020-112.06
2020-102.08
2020-092.08
2020-082.09
2020-072.1
2020-062.11
2020-052.13
2020-042.14
2020-032.13
2020-022.16
2020-012.17
2019-122.18
2019-112.22
2019-102.27
2019-092.27
2019-082.31
2019-072.34
2019-062.37
2019-052.41
2019-042.45
2019-032.46
2019-022.53
2019-012.58
2018-122.59
2018-112.65
2018-102.73
2018-092.74
2018-082.84
2018-072.87
2018-062.87
2018-052.89
2018-042.92
2018-032.93
2018-022.96
2018-012.97
2017-122.98
2017-113.02
2017-103.04
2017-093.09
2017-083.1
2017-073.11
2017-063.13
2017-053.14
2017-043.16
2017-033.17
2017-023.19
2017-013.22
2016-123.23
2016-113.24
2016-103.26
2016-093.31
2016-083.33
2016-073.35
2016-063.36
2016-053.42
2016-043.44
2016-033.47
2016-023.5
2016-013.52
2015-123.53
2015-113.54
2015-103.54
2015-093.55
2015-083.58
2015-073.58
2015-063.61
2015-053.67
2015-043.66
2015-033.7
2015-024.59
2015-014.6
2014-124.62
2014-114.67
2014-104.68
2014-094.68
2014-084.75
2014-074.78
2014-064.82
2014-054.93
2014-044.94
2014-034.96
2014-024.96
2014-014.93
2013-124.98
2013-115.2
2013-105.2
2013-095.24
2013-085.27
2013-075.27
2013-065.26
2013-055.25
2013-045.32
2013-035.27
2013-025.27
2013-015.26
2012-125.24
2012-115.22
2012-105.22
2012-095.22
2012-085.22
2012-075.21
2012-065.24
2012-055.24
2012-045.23
2012-035.26
2012-025.22
2012-015.19
2011-125.19
2011-115.23
2011-105.27
2011-095.24
2011-085.19
2011-075.18
2011-065.13
2011-055.11
2011-045.04
2011-034.99
2011-024.98
2011-014.99
2010-124.98
2010-114.98
2010-104.97
2010-094.98
2010-084.98
2010-075.01
2010-064.86
2010-055.04
2010-045.09
2010-035.17
2010-025.23
2010-015.31
2009-125.23
2009-115.41
2009-105.39
2009-095.48
2009-085.58
2009-075.6
2009-065.65
2009-055.66
2009-045.54
2009-035.66
2009-025.83
2009-015.74
2008-125.42
2008-115.59
2008-105.82
2008-095.94
2008-085.86
2008-075.86
2008-065.65
2008-055.53
2008-045.5
2008-035.48
2008-025.5
2008-015.51

Rankings

Definition

Annualised interest rate reported monthly on the outstanding stock of euro loans to households for house purchase.

This rate covers existing loan balances, rather than new agreements. Outstanding-amount statistics describe the loan stock and differ from new-business statistics. Annualised agreed rates or narrowly defined effective rates (AAR/NDER) cover interest and exclude fees and other charges. Household figures include non-profit institutions serving households. Corporations are non-financial companies. The euro area aggregate has changing membership. Country histories vary and missing values are not filled.

How to cite

European Central Bank. ECB MIR: Outstanding household housing loan rate (M.<area>.B.A22.A.R.A.2250.EUR.O). https://data-api.ecb.europa.eu/service/data/MIR/M.AT+BE+BG+CY+DE+EE+ES+FI+FR+GR+HR+IE+IT+LT+LU+LV+MT+NL+PT+SI+SK+U2.B.A22.A.R.A.2250.EUR.O?format=csvdata&startPeriod=2003-01. Retrieved 2026-10-12.

Citation styles

The publisher is the author. Invokely is named only as the place the figures were read, where a style asks for it.

APA 7

European Central Bank. (n.d.). ECB MIR: Outstanding household housing loan rate (M.<area>.B.A22.A.R.A.2250.EUR.O) (Outstanding household housing loan rate, Cyprus, 2008-01 to 2026-08) [Data set]. Retrieved October 12, 2026, from https://data-api.ecb.europa.eu/service/data/MIR/M.AT+BE+BG+CY+DE+EE+ES+FI+FR+GR+HR+IE+IT+LT+LU+LV+MT+NL+PT+SI+SK+U2.B.A22.A.R.A.2250.EUR.O?format=csvdata&startPeriod=2003-01

MLA 9

ECB MIR: Outstanding household housing loan rate (M.<area>.B.A22.A.R.A.2250.EUR.O), Outstanding household housing loan rate, Cyprus, 2008-01 to 2026-08. European Central Bank, https://data-api.ecb.europa.eu/service/data/MIR/M.AT+BE+BG+CY+DE+EE+ES+FI+FR+GR+HR+IE+IT+LT+LU+LV+MT+NL+PT+SI+SK+U2.B.A22.A.R.A.2250.EUR.O?format=csvdata&startPeriod=2003-01. Invokely, https://invokely.ai/en/outstanding-housing-loan-rate/cyprus. Accessed 12 Oct. 2026.

Chicago (author-date)

European Central Bank. n.d. ECB MIR: Outstanding household housing loan rate (M.<area>.B.A22.A.R.A.2250.EUR.O). Outstanding household housing loan rate, Cyprus, 2008-01 to 2026-08. Dataset. Accessed October 12, 2026. https://data-api.ecb.europa.eu/service/data/MIR/M.AT+BE+BG+CY+DE+EE+ES+FI+FR+GR+HR+IE+IT+LT+LU+LV+MT+NL+PT+SI+SK+U2.B.A22.A.R.A.2250.EUR.O?format=csvdata&startPeriod=2003-01. Also distributed by Invokely, https://invokely.ai/en/outstanding-housing-loan-rate/cyprus.

Harvard

European Central Bank (no date) ECB MIR: Outstanding household housing loan rate (M.<area>.B.A22.A.R.A.2250.EUR.O), Outstanding household housing loan rate, Cyprus, 2008-01 to 2026-08 [Dataset]. Available at: https://data-api.ecb.europa.eu/service/data/MIR/M.AT+BE+BG+CY+DE+EE+ES+FI+FR+GR+HR+IE+IT+LT+LU+LV+MT+NL+PT+SI+SK+U2.B.A22.A.R.A.2250.EUR.O?format=csvdata&startPeriod=2003-01, via Invokely: https://invokely.ai/en/outstanding-housing-loan-rate/cyprus (Accessed: 12 October 2026).

BibTeX
@misc{european_outstanding_household_housing_loan_2026,
  author = {{European Central Bank}},
  title = {{ECB MIR: Outstanding household housing loan rate (M.<area>.B.A22.A.R.A.2250.EUR.O): Outstanding household housing loan rate, Cyprus, 2008-01 to 2026-08}},
  howpublished = {Data set},
  url = {https://data-api.ecb.europa.eu/service/data/MIR/M.AT+BE+BG+CY+DE+EE+ES+FI+FR+GR+HR+IE+IT+LT+LU+LV+MT+NL+PT+SI+SK+U2.B.A22.A.R.A.2250.EUR.O?format=csvdata&startPeriod=2003-01},
  urldate = {2026-10-12},
  note = {Accessed via Invokely, https://invokely.ai/en/outstanding-housing-loan-rate/cyprus. Publisher attribution: European Central Bank. ECB MIR: Outstanding household housing loan rate (M.<area>.B.A22.A.R.A.2250.EUR.O). https://data-api.ecb.europa.eu/service/data/MIR/M.AT+BE+BG+CY+DE+EE+ES+FI+FR+GR+HR+IE+IT+LT+LU+LV+MT+NL+PT+SI+SK+U2.B.A22.A.R.A.2250.EUR.O?format=csvdata\&startPeriod=2003-01. Retrieved 2026-10-12.},
}
RIS
TY  - DATA
AU  - European Central Bank
TI  - ECB MIR: Outstanding household housing loan rate (M.<area>.B.A22.A.R.A.2250.EUR.O): Outstanding household housing loan rate, Cyprus, 2008-01 to 2026-08
PB  - European Central Bank
DB  - Invokely
UR  - https://data-api.ecb.europa.eu/service/data/MIR/M.AT+BE+BG+CY+DE+EE+ES+FI+FR+GR+HR+IE+IT+LT+LU+LV+MT+NL+PT+SI+SK+U2.B.A22.A.R.A.2250.EUR.O?format=csvdata&startPeriod=2003-01
L2  - https://invokely.ai/en/outstanding-housing-loan-rate/cyprus
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/en/outstanding-housing-loan-rate/cyprus.
N1  - Publisher attribution: European Central Bank. ECB MIR: Outstanding household housing loan rate (M.<area>.B.A22.A.R.A.2250.EUR.O). https://data-api.ecb.europa.eu/service/data/MIR/M.AT+BE+BG+CY+DE+EE+ES+FI+FR+GR+HR+IE+IT+LT+LU+LV+MT+NL+PT+SI+SK+U2.B.A22.A.R.A.2250.EUR.O?format=csvdata&startPeriod=2003-01. Retrieved 2026-10-12.
ER  -
Embed this chart

Paste this code into a web page or a blog post. The chart shows the latest figures as they are published, with the source and a link back to this page.

Sites that read oEmbed links, such as WordPress, can show the chart when you paste the link to this page.

Use this data in your AI agent

Invokely serves this figure to AI assistants through MCP and to code through a REST API, with the source and citation attached. Ask your assistant:

What is the latest outstanding household housing loan rate in Cyprus? Cite the source.
get_value {"indicator":"ecb_housing_outstanding_loan_rate","place":"cy"}
GET https://invokely.ai/api/v1/value?indicator=ecb_housing_outstanding_loan_rate&place=cy

Connect Claude, ChatGPT or Cursor in one step. The trial answers 25 calls a day without an account.

Questions

What is the outstanding household housing loan rate in Cyprus?

Outstanding household housing loan rate in Cyprus was 3.56% in August 2026, according to the European Central Bank. That is down 0.07 pts from August 2025. That is the 4th highest of 20 EU countries in August 2026.

Where does this figure come from?

European Central Bank. ECB MIR: Outstanding household housing loan rate (M.<area>.B.A22.A.R.A.2250.EUR.O). Retrieved by Invokely on 2026-10-12.

What was the highest outstanding household housing loan rate in Cyprus?

5.94% in September 2008, the highest value since January 2008 in this series.

Outstanding household housing loan rate elsewhere in European Union (27)

Related statistics for Cyprus

All statistics for Cyprus | Cyprus in figures