Czechia Lending Rate
Lending interest rate FR.INR.LEND
Czechia's lending rate was 5.30% in 2025, ranked 88th globally. This represents a 12.4% increase from 2024. Data from World Bank, covering 1993–2025.
Overview
Czechia's lending rate stood at 5.30% in 2025, a rise of +0.59pp from 2024. Based on recent trends, this figure is projected to reach 5.30% by 2025. Czechia ranked 88th globally.
The Czech Republic's lending rate has exhibited a significant decline over the past three decades, from its peak of 14.07% in 1993 to a trough of 3.20% in 2021. This substantial decrease is notable, especially when compared to other countries with similar lending rates, such as Bosnia and Herzegovina, which has maintained a relatively stable rate around 4.74%. Currently, the lending rate in the Czech Republic stands at 5.30%, ranking 88th globally. The reduction in the lending rate indicates a more favorable economic environment, conducive to borrowing and lending activities. This trend is likely to continue, driven by the country's robust economic growth and low inflation rates. However, a significant shift in monetary policy or an economic downturn could alter this trajectory, potentially leading to an increase in the lending rate.
Data & projection
| Year | Lending Rate | YoY change | Rank |
|---|---|---|---|
| 2027* trend | 6.14% | - | - |
| 2026* trend | 5.72% | - | - |
| 2025* trend | 5.30% | - | - |
| 2025 | 5.30% | +0.59pp | #88 |
| 2024 | 4.71% | +0.03pp | #8 |
| 2023 | 4.68% | +0.46pp | #7 |
| 2022 | 4.23% | +1.02pp | #11 |
| 2021 | 3.20% | −0.14pp | #9 |
| 2020 | 3.34% | −0.34pp | #9 |
| 2019 | 3.69% | +0.14pp | #8 |
| 2018 | 3.54% | −0.05pp | #6 |
| 2017 | 3.59% | −0.32pp | #9 |
| 2016 | 3.91% | −0.38pp | #11 |
| 2015 | 4.28% | −0.36pp | #12 |
| 2014 | 4.64% | −0.32pp | #13 |
| 2013 | 4.97% | −0.44pp | #15 |
| 2012 | 5.41% | −0.31pp | #27 |
| 2011 | 5.72% | −0.17pp | #27 |
Detected Pattern
Analysis
Czechia matched the Fiscal Dominance Trap pattern in 2023. Historically, 72% of countries showing this pattern (278 out of 386) saw lending rate improve within 24 months. View full analysis →
Frequently Asked Questions
Czechia's lending rate was 5.30% in 2025. Ranked 88th globally. This represents a 12.4% increase from the previous year.
Czechia's lending rate peaked at 14.07% in 1993.
The lowest lending rate in Czechia was 3.20% in 2021.
Czechia ranks 88th globally in lending rate as of 2025.
The World Bank indicator code is FR.INR.LEND. Data sourced from World Bank.
Czechia's lending rate is projected to reach 5.30% by 2025 based on trend extrapolation.
The lending rate of Czechia in 2025 was 5.30%. This ranks 88th in the world.
Cite this page
@misc{historysaid_czechia_lending-rate,
title = {Czechia Lending Rate},
url = {https://historysaid.com/czechia/lending-rate/},
publisher = {HistorySaid},
year = {2026}
}