Albania Real Interest Rate
Real interest rate FR.INR.RINR
Albania's real interest rate was 0.20% in 2025, ranked 66th globally. This represents a 95.0% decrease from 2024. Data from World Bank, covering 1986–2025.
Overview
Albania's real interest rate stood at 0.20% in 2025, a decline of +3.80pp from 2024. Based on recent trends, this figure is projected to reach 0.20% by 2025. Albania ranked 66th globally.
Albania’s real interest rate has fallen dramatically from an all‑time peak of 18.32% in 1999 to a trough of –63.79% in 1992, before stabilising at 0.20% in 2025, placing the country 66th globally. Over the 39‑year series, the indicator moved from an early‑period level of 3.50% in 1986 to the current low‑rate environment, reflecting the post‑communist transition, extensive fiscal consolidation and the adoption of a more accommodative monetary stance. The modest 0.20% rate is slightly higher than Nicaragua’s 0.07% and lower than St. Vincent and the Grenadines’ 0.33%, suggesting that Albania remains among the world’s lowest real cost of borrowing. Continued integration with European financial markets and the prospect of deeper structural reforms could keep the real rate near its present level, but any resurgence of inflationary pressures or fiscal imbalances would likely push the trajectory upward.
Data & projection
| Year | Real Interest Rate | YoY change | Rank |
|---|---|---|---|
| 2027* trend | -1.02% | - | - |
| 2026* trend | -0.41% | - | - |
| 2025* trend | 0.20% | - | - |
| 2025 | 0.20% | −3.80pp | #66 |
| 2024 | 4.00% | +3.41pp | #31 |
| 2023 | 0.58% | +3.64pp | #26 |
| 2022 | -3.05% | −5.55pp | #26 |
| 2021 | 2.49% | −3.59pp | #58 |
| 2020 | 6.08% | +0.85pp | #55 |
| 2019 | 5.22% | +0.81pp | #43 |
| 2018 | 4.42% | +1.01pp | #55 |
| 2017 | 3.40% | −4.26pp | #54 |
| 2016 | 7.66% | +0.61pp | #80 |
| 2015 | 7.05% | +0.62pp | #75 |
| 2014 | 6.44% | −3.00pp | #66 |
| 2013 | 9.44% | −1.19pp | #104 |
| 2012 | 10.63% | +0.07pp | #113 |
| 2011 | 10.56% | +2.21pp | #119 |
Detected Pattern
Analysis
Albania matched the Orthodox Tightening Cycle pattern in 1997. Historically, 57% of countries showing this pattern (177 out of 311) saw real interest rate improve within 24 months. View full analysis →
Frequently Asked Questions
Albania's real interest rate was 0.20% in 2025. Ranked 66th globally. This represents a 95.0% decrease from the previous year.
Albania's real interest rate peaked at 18.32% in 1999.
The lowest real interest rate in Albania was -63.79% in 1992.
Albania ranks 66th globally in real interest rate as of 2025.
The World Bank indicator code is FR.INR.RINR. Data sourced from World Bank.
Albania's real interest rate is projected to reach 0.20% by 2025 based on trend extrapolation.
The real interest rate of Albania in 2025 was 0.20%. This ranks 66th in the world.
Cite this page
@misc{historysaid_albania_real-interest-rate,
title = {Albania Real Interest Rate},
url = {https://historysaid.com/albania/real-interest-rate/},
publisher = {HistorySaid},
year = {2026}
}