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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#Interest #rates #Cheaper #loans #September
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