site.btaAverage Interest Rate on Consumer Loans Rises to 9.12% in July

In July 2026 compared to June 2026, the average interest rate on consumer loans increased by 0.36 percentage points to 9.12% and the Annual Percentage Rate of Charge (APRC) on these loans – by 0.37 percentage points to 9.42%, show data published by the Bulgarian National Bank on Thursday.

The average interest rate on loans for house purchases rose by 0.02 percentage points to 2.43% and the respective APRC – by 0.01 percentage points to 2.77%. The average interest rate on other loans fell by 0.03 percentage points to 4.61% while that on other loans to Sole Proprietors increased by 0.10 percentage points to 4.71%. In July 2026 the average interest rate on overdraft rose by 0.27 percentage points to 13.47%, and that on extended credit card credit – by 0.44 percentage points to 21.61%.

In the non-financial corporations sector, the average interest rate on loans up to 1 million EUR increased by 0.01 percentage points to 4.21%, while that on loans over 1 million EUR decreased by 0.47 percentage points to 4.12%. The average interest rate on overdraft rose by 0.03 percentage points to 3.51%.

In the households sector, the average interest rate on deposits with agreed maturity decreased by 0.04 percentage points to 1.53%, while the new business volume on these deposits – by 5.4% (EUR 22.9 million) to EUR 402.1 million. The average interest rate on overnight deposits retained its level of 0.01%, while that on deposits redeemable at notice rose by 0.08 percentage points to 0.31%.

The average interest rate on deposits with agreed maturity in the non-financial corporations sector decreased by 0.21 percentage points to 1.41%, while the new business volume on these deposits increased by 68.5% (EUR 624.6 million) to EUR
1.536 billion. The average interest rate on overnight deposits fell by 0.01 percentage points to 0.09%.