Cyprus central bank data shows split in housing loan interest rates for December 2025

Central Bank data for December 2025 reveals that Cyprus’s housing loan market is divided between lenders charging above and below 3%. Cyprus Development Bank offers the lowest rate at 2.39%, while Alpha Bank and Ancoria Bank follow with 2.71% and 2.78% respectively. Rates above the 3% threshold are offered by Eurobank Ltd at 3.03%, the Housing Finance Organisation at 3.20%, and the Bank of Cyprus at 3.25%. For business loans up to €1 million, the National Bank of Greece (Cyprus) provides the lowest rate at 3.02%, followed by Societe Generale Cyprus and Eurobank. Banking regulations require credit institutions to provide standardized SECCI or ESIS documents to ensure transparency and comparability for borrowers. Authorities emphasize comparing the Annual Percentage Rate of Charge (APRC), which incorporates interest, commissions, and file costs, to avoid over-indebtedness.