| Current Rank | Country | Value | Latest Reading | Previous Rank | Previous Value |
|---|---|---|---|---|---|
| 1 | Ukraine | 13.17 | 6-2023 | 1 | 13.37 |
| 2 | Armenia | 12.6 | 9-2023 | 2 | 12.53 |
| 3 | Georgia | 11.63 | 9-2023 | 3 | 11.84 |
| 4 ↑ | Serbia | 10.09 | 6-2023 | 5 | 10.07 |
| 5 ↓ | Moldova | 8.89 | 9-2023 | 4 | 11.55 |
| 6 | Romania | 7.56 | 9-2023 | 6 | 8.17 |
| 7 | Poland | 7.32 | 6-2023 | 7 | 7.12 |
| 8 ↑ | Latvia | 7.31 | 6-2023 | 9 | 6.76 |
| 9 ↓ | Montserrat | 6.88 | 12-2019 | 8 | 6.88 |
| 10 | Estonia | 5.73 | 9-2023 | 10 | 5.39 |
| 11 | United Kingdom | 5.39 | 9-2023 | 11 | 4.95 |
| 12 ↑ | Lithuania | 5.31 | 6-2023 | 15 | 4.52 |
| 13 ↑ | Denmark | 5.16 | 9-2023 | 14 | 4.84 |
| 14 ↓ | Hungary | 5.09 | 6-2023 | 12 | 4.94 |
| 15 ↓ | Montenegro | 4.98 | 9-2023 | 12 | 4.94 |
| 16 ↑ | Norway | 4.66 | 6-2023 | 17 | 4.2 |
| 17 ↓ | Albania | 4.53 | 12-2022 | 16 | 4.37 |
| 18 | Bosnia and Herzegovina | 4.45 | 6-2023 | 18 | 4.17 |
| 19 ↑ | Greece | 4.07 | 6-2023 | 20 | 3.78 |
| 20 ↓ | Germany | 4.06 | 6-2023 | 19 | 3.88 |
| 21 ↑ | Portugal | 3.99 | 6-2023 | 24 | 3.48 |
| 22 | Austria | 3.94 | 6-2023 | 22 | 3.6 |
| 23 ↓ | Slovakia | 3.9 | 6-2023 | 21 | 3.68 |
| 24 ↑ | Sweden | 3.8 | 9-2023 | 25 | 3.43 |
| 25 ↑ | Slovenia | 3.77 | 6-2023 | 26 | 3.41 |
| 26 ↑ | Ireland | 3.62 | 6-2023 | 27 | 3.37 |
| 27 ↓ | Macedonia | 3.61 | 6-2023 | 23 | 3.56 |
| 28 | Cyprus | 3.59 | 6-2023 | 28 | 3.32 |
| 29 ↑ | Finland | 3.39 | 6-2023 | 30 | 2.88 |
| 30 ↑ | Spain | 3.19 | 6-2023 | 34 | 2.7 |
| 31 ↑ | France | 3.04 | 6-2023 | 37 | 2.54 |
| 32 ↓ | Switzerland | 3.02 | 6-2023 | 29 | 3.11 |
| 33 ↓ | Czech Republic | 2.94 | 6-2023 | 32 | 2.81 |
| 34 ↑ | Italy | 2.92 | 6-2023 | 35 | 2.66 |
| 35 ↓ | Croatia | 2.85 | 6-2023 | 31 | 2.87 |
| 36 ↓ | Bulgaria | 2.81 | 9-2023 | 32 | 2.81 |
| 37 ↓ | Malta | 2.72 | 6-2023 | 36 | 2.65 |
| 38 | Belgium | 2.7 | 6-2023 | 38 | 2.43 |
| 38 ↑ | Luxembourg | 2.7 | 6-2023 | 39 | 2.42 |
| 40 | Netherlands | 2.45 | 6-2023 | 40 | 2.4 |
The mortgage credit interest rate is the average interest rate on mortgage loan products offered to individuals and households by the commercial banks in the country. The mortgage credit is a loan used to finance the purchase of real estate.
