Fixed-rate mortgage · Policy rate set by the European Central Bank
Interest-rate futures currently imply that the typical Fixed-rate mortgage in 克罗地亚 rises from 3.55% today to 4.30% by 2027-09, about 75 basis points higher. This is not a forecast: it is the mortgage rate consistent with what markets are already pricing for European Central Bank policy.
数据截至 2026-10-20. Derived from interest-rate futures pricing for the policy rate, plus this market's long-run mortgage spread, pass-through factor and transmission lag. Market pricing changes daily and has been wrong before. Not financial advice.
Croatia adopted the euro in January 2023, so its mortgage market is still converging on euro-area norms. Lending is split between fixed-period contracts and loans tied to the national reference rate (NRS) or Euribor, and the spread over the ECB rate reflects a banking sector that only recently swapped kuna funding for euro funding.
The rate quoted above is the ECB's MFI new-business rate for loans for house purchase in 克罗地亚, so it reflects what borrowers are actually signing today rather than the stock of existing loans.
The euro area has one policy rate and one futures curve. This table applies the euro-area composite's implied 12-month change to this member's current new-business rate; it does not model a separate national pass-through.
| 月份 | Implied ECB Deposit Rate | 预计 Fixed-rate mortgage | 利差 |
|---|---|---|---|
| 2026-10 | 2.50% | 3.60% | +1.09pp |
| 2026-11 | 2.51% | 3.63% | +1.13pp |
| 2026-12 | 2.73% | 3.71% | +0.98pp |
| 2027-01 | 2.73% | 3.77% | +1.04pp |
| 2027-02 | 2.81% | 3.83% | +1.02pp |
| 2027-03 | 2.99% | 3.92% | +0.93pp |
| 2027-04 | 2.99% | 3.99% | +1.00pp |
| 2027-05 | 3.06% | 4.06% | +1.00pp |
| 2027-06 | 3.14% | 4.13% | +1.00pp |
| 2027-07 | 3.19% | 4.20% | +1.01pp |
| 2027-08 | 3.19% | 4.25% | +1.06pp |
| 2027-09 | 3.21% | 4.30% | +1.09pp |
| 国家 | Typical Product | 房贷利率 | Spread vs ECB |
|---|---|---|---|
| 斯洛伐克 | Fixed-period mortgage (3-5 yr) | 4.30% | +1.80pp |
| 爱沙尼亚 | Euribor-linked variable | 4.20% | +1.70pp |
| 拉脱维亚 | Euribor-linked variable | 4.00% | +1.50pp |
| 希腊 | Fixed-period mortgage | 3.90% | +1.40pp |
| 立陶宛 | Euribor-linked variable | 3.90% | +1.40pp |
| 荷兰 | 10-30-Year fixed | 3.85% | +1.35pp |
| 塞浦路斯 | Fixed-period mortgage | 3.85% | +1.35pp |
| 意大利 | 20-30-Year mutuo a tasso fisso | 3.75% | +1.25pp |
| 爱尔兰 | 3-5-Year fixed | 3.75% | +1.25pp |
| 比利时 | 20-Year fixed | 3.70% | +1.20pp |
| 德国 | 10-Year Festzinsbindung | 3.65% | +1.15pp |
| 奥地利 | 10-15-Year fixed | 3.60% | +1.10pp |
| 斯洛文尼亚 | Fixed-rate mortgage | 3.60% | +1.10pp |
| 葡萄牙 | Mixed / fixed-period mortgage | 3.55% | +1.05pp |
| 克罗地亚 | Fixed-rate mortgage | 3.55% | +1.05pp |
| 卢森堡 | Fixed-rate mortgage | 3.55% | +1.05pp |
| 法国 | 20-25-Year taux fixe | 3.45% | +0.95pp |
| 西班牙 | 15-30-Year hipoteca tipo fijo | 3.35% | +0.85pp |
| 芬兰 | Euribor-linked variable | 3.35% | +0.85pp |
| 马耳他 | Variable-rate mortgage | 3.30% | +0.80pp |