Interest rates: Cheaper new loans in September

This is a big improvement from August last year, when the spread was 6.38%, although it is still a long way from July 2022’s 3.66%. A positive development for borrowers, who are seeing funding costs fall, but they are the same pressures that during the year reduced the average interest rate on new deposits from 0.58% in January. In deposits, overnight deposits had an interest rate decrease of 0.03% for households, which confirms that there is no substantial reward for the largest volume of deposits, while there was also a decrease in the interest rate on term deposits with a duration of up to 1 year to 1.86 % from 1.88% in August.

X-ray

In September, the average loan rate was the second cheapest of the year, ahead of May’s performance, when it fell as low as 5.54%. Evolution reflected in almost all categories of new loans:

* Consumables: Slowly (very slowly) but steadily, consumer loan rates are coming down from year highs, making the most popular type of loan for households cheaper. On loans with regular maturities, such as to buy a car, home appliances or a mobile phone, the average interest rate fell in September to 10.85%, from 11.03% in August and well below August’s 11.9% 2023 which is also a historical record high. Significant improvement, but still the market is far from its lows, where as recently as February this year, it had fallen marginally below 10% (9.99%). Credit cards are at their lowest average interest rate since October last year, at 16.5%, a point from which it is unlikely that there will be any significant improvement during the year.

* Mortgages: Mortgage interest rates are at an 18-month low, falling to an average of 3.83% in September. This is a significant improvement within the year, as in January they had closed at 4.58% which was the most expensive average interest rate since February 2009! Market experts expect further downward pressure in the next two months.

* Business: Downward trends are also prevailing in business loans which at 5.4% in September have become significantly cheaper than 6.29% in March, but financing the market remains quite expensive given that just two years ago, the average interest rate was at 2.95% in January 2022. On the plus side, since July, when it was at 5.75%, there have been three consecutive average rate cuts.

Term deposits up to 1 year (Amounts in billion Euros)

2024	Households	Businesses
01/24	3,605	3,605
02/24	3,910	3,972
03/24	4,036	4,725
04/24	4,334	4,830
05/24	3,780	4,345
06/24	3,314	4,896
07/24	4,119	4,281
08/24	3,258	3,794
09/24	3,772	4,116

Source: Bank of Greece

Interest rates on new loans – September 2024

Interest rates on new loans		July 2024	August 2024	September 2024
New Loans	Consumer goods without fixed duration	14,93	14,93	14,87
	Business without fixed duration	6,48	6,43	6,29
	Floating rate mortgages	4,42	4,46	4,28
	Consumer loans with a fixed term and variable interest rate	12,34	12,44	12,04
	Commercial with a fixed term and variable interest rate	5,62	5,58	5,25
	Weighted average interest rate of all new loans	5,86	5,84	5,61
Interest margin		5,29	5,30	5,07

Source: Bank of Greece

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