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Deposit and lending rates in Finland, % (1)
In addition to new loans and deposits, new business includes agreements concluded as a result of renegotiating the terms and conditions of existing loans and deposits.
Period
2023 - 10
2023 - 9
2023 - 8
Deposits
New business, after original maturity
Non-Financial corporations
Deposits with agreed maturity
Total
3.69
3.74
3.55
Up to 1 year
3.69
3.74
3.56
Over 1 and up to 2 years
3.68
3.41
3.21
Over 2 years
3.99
3.89
3.65
Households
Deposits with agreed maturity
Total
3.35
3.20
3.00
Up to 1 year
3.34
3.18
2.99
Over 1 and up to 2 years
3.39
3.30
3.10
Over 2 years
2.92
2.82
2.57
Loans
New business, after initial rate fixation
Non-Financial corporations
Loans
Total
5.02
5.01
4.88
Overdrafts
Total
4.96
4.83
4.79
Total loans Up to and including EUR 1 million
Total
5.97
5.96
5.78
Up to 1 year
6.04
6.08
5.84
Over 1 year
5.66
5.32
5.53
Total loans Over EUR 1 million
Total
4.91
5.18
4.83
Up to 1 year
5.03
5.22
5.01
Over 1 year
2.76
3.12
3.23
Households
Loans
Total
7.92
7.87
7.74
Overdrafts
Total
9.61
9.56
9.46
Consumer credit
Total
7.68
8.16
7.91
Up to 1 year
8.63
9.14
9.17
Over 1 year
6.05
6.26
6.11
Housing loans
Total
4.43
4.37
4.25
Up to 1 year
4.44
4.38
4.26
Over 1 year
4.07
3.66
3.67
Other loans
Total
5.15
4.64
4.67
Up to 1 year
5.14
4.62
4.66
Over 1 year
5.96
5.67
5.66
Households
Consumer credit annual percentage rate of change
Total
9.67
10.04
9.80
Housing loans annual percentage rate of change
Total
4.36
4.33
4.17
(1) The MFI data collection scheme was revised as of June 2010, and hence the figures published are not totally comparable with
earlier observations. The differences may be due to improved data collection accuracy,revised statistical definitions (eg extending
the definition of overdrafts and credit card credit to include revolving credits) and the collection of detailed data from all MFIs.

The 13 most recent monthly observations are provisional.
Report updated 30 Nov 2023