Bank of Lithuania
Lietuviškai

Interest rates on new business loans with collateral

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Interest rates on new business of euro-denominated loans with collateral and/or guarantees granted by Lithuanian MFIs (banks, foreign bank branches and credit unions) to euro area households. New business covers financial contracts that specify for the first time the interest rate on a loan, and renegotiations of existing loan contracts. New business does not cover revolving loans and overdrafts or credit card debt. 

Interest rates – in percentages per annum.

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Measurement units: Percent per annum (units)

08/2025 09/2025 10/2025 11/2025 12/2025 01/2026 02/2026 03/2026 04/2026 05/2026 06/2026 07/2026 08/2026
Loans1 with collateral to households2 3.66 3.66 3.65 3.70 3.70 3.68 3.68 3.79 3.91 3.97 4.05 4.12 4.18
Loans for consumption 3.88 3.86 3.82 3.87 3.88 3.89 3.92 4.06 4.18 4.28 4.34 4.40 4.45
Up to 1 year initial rate fixation 4.00 4.00 3.91 3.93 3.89 3.92 3.93 4.07 4.19 4.28 4.35 4.41 4.46
Over 1 year initial rate fixation 1.57 1.61 1.56 1.52 1.89 2.11 3.07 2.21 1.86 1.51 1.51 1.80 2.59
Over 1 and up to 5 years initial rate fixation 1.51 1.60 1.56 1.53 1.51 1.51 2.83 1.51 1.51 1.51 1.51 1.80 1.58
Over 5 year initial rate fixation 1.67 1.68 1.54 1.51 3.15 3.81 3.75 4.77 4.70 - - - 6.49
Loans for house purchase 3.64 3.64 3.64 3.68 3.68 3.66 3.66 3.76 3.87 3.94 4.02 4.09 4.15
Up to 1 year initial rate fixation 3.65 3.65 3.64 3.67 3.68 3.67 3.68 3.78 3.87 3.94 4.00 4.08 4.13
Over 1 year initial rate fixation 3.47 3.50 3.57 3.91 3.71 3.52 3.52 3.67 3.90 3.92 4.37 4.47 4.59
Over 1 and up to 5 years initial rate fixation - 3.33 3.35 4.03 3.57 3.28 4.17 3.74 3.93 4.00 4.01 3.99 4.50
Over 5 and up to 10 years initial rate fixation 3.90 3.91 3.96 3.98 3.99 4.00 3.93 4.10 4.27 4.48 4.53 4.59 4.58
Over 10 year initial rate fixation 3.39 3.41 3.43 3.77 3.60 3.41 3.44 3.55 3.73 3.78 4.24 4.37 4.73
Updated: 25-09-2026

Data source: Lietuvos bankas

1 Excluding revolving loans and overdrafts, credit card debt.

2 Including non-profit institutions serving households.

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Last update: 18-12-2023