According to June 2026 data, Lithuania moved closer to the euro area average in terms of interest rates on consumer loans, while the gap in housing loan rates widened further

Lietuvos bankas notes that interest rates on and volumes of new business of loans and deposits¹ with credit institutions operating in Lithuania include loans granted to and deposits held by euro area residents.

Interest rates² on new business of loans and deposits with agreed maturity offered by euro area credit institutions to euro area residents, as published by the ECB, show that:

• in June 2026, interest rates offered on deposits with agreed maturity to households (residents) and non-financial corporations (companies) in Lithuania were lower than the euro area average;
• meanwhile, interest rates on loans granted to both households and non-financial corporations were higher than the euro area average.

Interest rates on household deposits with agreed maturity held with credit institutions operating in Lithuania increased by 0.15 p.p. points to 1.78%. However, the euro area average for these interest rates increased by more over the three-month period³, rising by 0.23 p.p. to 2.09%. In June 2026, Lithuania remained in 15th place according to this indicator (in the previous quarter, it shared 15th–16th place with Austria) (see Chart 1);

Chart 1. Interest rates on and volumes of new business of household deposits with agreed maturity

Interest rates on deposits with agreed maturity held by non-financial corporations (companies) with credit institutions operating in Lithuania increased by 0.23 p.p. points over the three-month period to 2.06%, while the euro area average increased by 0.25 p.p. to 2.21%. Lithuania shares 11th–12th place with Spain in terms of these interest rates (compared with 12th place in the previous quarter) and remains below the euro area average (see Chart 2);

Chart 2. Interest rates on and volumes of new business of non-financial corporation deposits with agreed maturity

Just like in the euro area, interest rates on loans for house purchase granted to households (residents) by credit institutions operating in Lithuania increased over the past three months – by 0.25 p.p. and 0.13 p.p. respectively – to 4.04% and 3.48%. Lithuania remained in third place in terms of this indicator (see Chart 3);

Chart 3. Interest rates on and volumes of new business of household loans for house purchase

Over the last three months, interest rates on household loans for consumption in Lithuania decreased by 0.43 p.p. to 8.33%, while in the euro area they increased by 0.04 p.p. to 7.5%. Lithuania ranked eighth in terms of these interest rates (compared with fifth–sixth place shared with Portugal in the previous quarter) (see Chart 4);

Chart 4. Interest rates on and volumes of new business of household loans for consumption

Over the past three months, interest rates on loans to households for other purposes offered by credit institutions operating in Lithuania decreased by 2.39 p.p. to 6.24%. The euro area average for these interest rates increased by 0.17 p.p. over the three-month period to 4.21%. Lithuania ranked second among euro area countries in terms of the interest rates, compared with first place in the previous quarter (see Chart 5);

Chart 5. Interest rates on and volumes of new business of household loans for other purposes

The average interest rate on loans to non-financial corporations (companies) offered by credit institutions operating in Lithuania increased more over the three-month period than in the euro area – by 0.31 p.p. and 0.20 p.p. respectively – to 4.89% and 3.72%. In Lithuania, these interest rates remain among the highest in the euro area, i.e. standing 117 b.p. above the euro area average, Lithuania ranking third for several consecutive quarters (see Chart 6).

Chart 6. Interest rates on and volumes of new business of loans to non-financial corporations

¹ New business covers financial contracts that specify for the first time the interest rate on a loan or a deposit rate, and contracts for existing loans or deposits, which were renegotiated. New business does not cover revolving loans and overdrafts, as well as credit card debt. New business deposits do not cover automatic renegotiations of existing deposit contracts.

² Weighted interest rates on new business during the reporting month, in percentages per annum.

³ Comparison of the data for March 2026 and June 2026.

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Statistics, Monetary and financial statistics