Guatemala Real Interest Rate
Real interest rate FR.INR.RINR
Guatemala's real interest rate was 5.70% in 2025, ranked 32nd globally. This represents a 32.4% decrease from 2024. Data from World Bank, covering 1997–2025.
Overview
Guatemala's real interest rate stood at 5.70% in 2025, a decline of +2.73pp from 2024. Based on recent trends, this figure is projected to reach 5.70% by 2025. Guatemala ranked 32nd globally.
Guatemala’s real interest rate has fallen markedly from its all‑time peak of 26.03% in 2001 to a trough of 3.64% in 2008, before rebounding to 5.70% in 2025, a level that places the country 32nd in the world. Over the 29‑year series, the rate has averaged well above the low‑interest environment of the late 2000s, reflecting a gradual tightening of monetary policy as inflation expectations have risen. The 2025 figure is comparable to those of peer economies such as Vietnam (5.78%) and the Maldives (5.66%), suggesting that Guatemala is aligning with the real‑rate norms of other emerging markets that balance growth incentives with price stability. The persistence of a moderate real rate indicates that the central bank is likely to maintain a cautious stance, but any sustained decline in inflation or an acceleration of credit growth could prompt a further easing of rates, potentially shifting the trajectory downward.
Data & projection
| Year | Real Interest Rate | YoY change | Rank |
|---|---|---|---|
| 2027* trend | 4.58% | - | - |
| 2026* trend | 5.14% | - | - |
| 2025* trend | 5.70% | - | - |
| 2025 | 5.70% | −2.73pp | #32 |
| 2024 | 8.43% | +3.34pp | #60 |
| 2023 | 5.09% | −0.13pp | #56 |
| 2022 | 5.22% | −3.56pp | #83 |
| 2021 | 8.78% | −0.60pp | #96 |
| 2020 | 9.38% | +0.52pp | #81 |
| 2019 | 8.86% | −2.65pp | #84 |
| 2018 | 11.51% | +0.39pp | #103 |
| 2017 | 11.11% | +0.99pp | #114 |
| 2016 | 10.12% | −0.64pp | #101 |
| 2015 | 10.76% | +0.15pp | #96 |
| 2014 | 10.61% | +0.70pp | #108 |
| 2013 | 9.91% | +0.13pp | #106 |
| 2012 | 9.78% | +3.66pp | #110 |
| 2011 | 6.11% | −1.69pp | #94 |
Detected Pattern
Analysis
Guatemala matched the Export Boom Cycle pattern in 2024. Historically, 71% of countries showing this pattern (546 out of 768) saw real interest rate improve within 24 months. View full analysis →
Frequently Asked Questions
Guatemala's real interest rate was 5.70% in 2025. Ranked 32nd globally. This represents a 32.4% decrease from the previous year.
Guatemala's real interest rate peaked at 26.03% in 2001.
The lowest real interest rate in Guatemala was 3.64% in 2008.
Guatemala ranks 32nd globally in real interest rate as of 2025.
The World Bank indicator code is FR.INR.RINR. Data sourced from World Bank.
Guatemala's real interest rate is projected to reach 5.70% by 2025 based on trend extrapolation.
The real interest rate of Guatemala in 2025 was 5.70%. This ranks 32nd in the world.
Cite this page
@misc{historysaid_guatemala_real-interest-rate,
title = {Guatemala Real Interest Rate},
url = {https://historysaid.com/guatemala/real-interest-rate/},
publisher = {HistorySaid},
year = {2026}
}