Los tipos de interés son un elemento clave para las hipotecas. En el caso de las hipotecas a tipo variable referenciadas al Euribor, lo que haga el banco central con el precio del dinero afectará directamente al tipo de interés que pagan por su capital. Sin embargo, resultan todavía más importantes para las hipotecas multidivisa. Por eso, en esta ocasión queremos traeros un listado con los tipos de interés en todo el mundo.
En el ámbito hipotecario es habitual referirnos a los tipos de interés y los movimientos de los bancos centrales respecto a los mismos. No en vano estamos hablando de uno de los factores que sirve para determinar el famoso Euribor, el índice referencia hipotecario más utilizado en el país.
Y para las hipotecas multidivisa es todavía más importante porque es precisamente el diferencial entre el tipo de interés de la divisa nativa con respecto a la divisa de financiación lo que hace atractivo este producto. Dicho de otro modo, lo que se busca es que el coste de la operación financiera sea menor que en la divisa nativa u original del titular.
Sin más, aquí os dejo el listado de tipos de interés oficiales en todo el mundo, cortesía de Droblo.com, que a su vez sacó los datos de CentralBankNews.info.
| 
 Country 
 | 
 Bank  Name 
 | 
 Current  level 
 | 
 YTD  Change 
 | 
| 
 Albania 
 | 
 Bank  of Albania 
 | 
 5.00% 
 | 
 – 
 | 
| 
 Angola 
 | 
 Banco  Nacional de Angola 
 | 
 10.50% 
 | 
|
| 
 Argentina 
 | 
 Central  Bank of Argentina 
 | 
 9.00% 
 | 
 – 
 | 
| 
 Armenia 
 | 
 Central  Bank of Armenia 
 | 
 8.00% 
 | 
 75  bps 
 | 
| 
 Australia 
 | 
 Reserve  Bank of Australia 
 | 
 4.25% 
 | 
 -50  bps 
 | 
| 
 Azerbaijan 
 | 
 Central  Bank of the Republic of Azerbaijan 
 | 
 5.25% 
 | 
 225  bps 
 | 
| 
 Bahamas 
 | 
 Central  Bank of The Bahamas 
 | 
 4.50% 
 | 
 -75  bps 
 | 
| 
 Bahrain 
 | 
 Central  Bank of Bahrain 
 | 
 0.50% 
 | 
 – 
 | 
| 
 Barbados 
 | 
 Central  Bank of Barbados 
 | 
 3.00% 
 | 
 – 
 | 
| 
 Belarus 
 | 
 National  Bank of the Republic of Belarus 
 | 
 40.00% 
 | 
 2950  bps 
 | 
| 
 Botswana 
 | 
 Bank  of Botswana 
 | 
 9.50% 
 | 
 – 
 | 
| 
 Brazil 
 | 
 Banco  Central do Brasil 
 | 
 11.00% 
 | 
 25  bps 
 | 
| 
 Canada 
 | 
 Bank  of Canada 
 | 
 1.00% 
 | 
 – 
 | 
| 
 Chile 
 | 
 Central  Bank of Chile 
 | 
 5.25% 
 | 
 200  bps 
 | 
| 
 China 
 | 
 People’s  Bank of China 
 | 
 6.56% 
 | 
 75  bps 
 | 
| 
 Colombia 
 | 
 Banco  de la Republica de Colombia 
 | 
 4.75% 
 | 
 175  bps 
 | 
| 
 Congo  Dem. Rep 
 | 
 Bank  of Central African States 
 | 
 22.00% 
 | 
 – 
 | 
| 
 Croatia 
 | 
 Croatian  National Bank 
 | 
 6.00% 
 | 
 – 
 | 
| 
 Czech  Republic 
 | 
 Czech  National Bank 
 | 
 0.75% 
 | 
 – 
 | 
| 
 Denmark 
 | 
 National  Bank of Denmark 
 | 
 1.20% 
 | 
 15  bps 
 | 
| 
 Dominican  Republic 
 | 
 Central  Bank of the Dominican Republic 
 | 
 6.00% 
 | 
 100  bps 
 | 
| 
 Egypt 
 | 
 Central  Bank of Egypt 
 | 
 9.25% 
 | 
 100  bps 
 | 
| 
 EU 
 | 
 European  Central Bank 
 | 
 1.00% 
 | 
 – 
 | 
| 
 Fiji 
 | 
 Reserve  Bank of Fiji 
 | 
 0.50% 
 | 
 -150  bps 
 | 
| 
 Gambia 
 | 
 Central  Bank of The Gambia 
 | 
 14.00% 
 | 
 -100  bps 
 | 
| 
 Georgia 
 | 
 National  Bank of Georgia 
 | 
 7.00% 
 | 
 -50  bps 
 | 
| 
 Ghana 
 | 
 Bank  of Ghana 
 | 
 12.50% 
 | 
 -100  bps 
 | 
| 
 Hong  Kong 
 | 
 Hong  Kong Monetary Authority 
 | 
 0.50% 
 | 
 – 
 | 
| 
 Hungary 
 | 
 Magyar  Nemzeti Bank 
 | 
 6.50% 
 | 
 75  bps 
 | 
| 
 Iceland 
 | 
 Central  Bank of Iceland 
 | 
 4.75% 
 | 
 25  bps 
 | 
| 
 India 
 | 
 Reserve  Bank of India 
 | 
 8.50% 
 | 
 225  bps 
 | 
| 
 Indonesia 
 | 
 Bank  Indonesia 
 | 
 6.00% 
 | 
 -50  bps 
 | 
| 
 Israel 
 | 
 Bank  of Israel 
 | 
 2.75% 
 | 
 75  bps 
 | 
| 
 Jamaica 
 | 
 Bank  of Jamaica 
 | 
 6.25% 
 | 
 -50  bps 
 | 
| 
 Japan 
 | 
 Bank  of Japan 
 | 
 0.10% 
 | 
 – 
 | 
| 
 Jordan 
 | 
 Central  Bank of Jordan 
 | 
 4.50% 
 | 
 25  bps 
 | 
| 
 Kazakhstan 
 | 
 National  Bank of Kazakhstan 
 | 
 7.50% 
 | 
 50  bps 
 | 
| 
 Kenya 
 | 
 Central  Bank of Kenya 
 | 
 18.00% 
 | 
 1200  bps 
 | 
| 
 Kuwait 
 | 
 Central  Bank of Kuwait 
 | 
 2.50% 
 | 
 – 
 | 
| 
 Latvia 
 | 
 Latvijas  Banka 
 | 
 3.50% 
 | 
 – 
 | 
| 
 Macedonia 
 | 
 National  Bank of the Republic of Macedonia 
 | 
 4.00% 
 | 
 – 
 | 
| 
 Malawi 
 | 
 Reserve  Bank of Malawi 
 | 
 13.00% 
 | 
 – 
 | 
| 
 Malaysia 
 | 
 Bank  Negara Malaysia 
 | 
 3.00% 
 | 
 25  bps 
 | 
| 
 Mauritius 
 | 
 Central  Bank of Mauritius 
 | 
 5.50% 
 | 
 75  bps 
 | 
| 
 Mexico 
 | 
 Banco  de Mexico 
 | 
 4.50% 
 | 
 – 
 | 
| 
 Moldova 
 | 
 National  Bank of Moldova 
 | 
 8.00% 
 | 
 – 
 | 
| 
 Mongolia 
 | 
 Bank  of Mongolia 
 | 
 12.25% 
 | 
 125  bps 
 | 
| 
 Morocco 
 | 
 Bank  of Morocco 
 | 
 3.25% 
 | 
 – 
 | 
| 
 Mozambique 
 | 
 Bank  of Mozambique 
 | 
 16.00% 
 | 
 50  bps 
 | 
| 
 Namibia 
 | 
 Bank  of Namibia 
 | 
 6.00% 
 | 
 – 
 | 
| 
 New  Zealand 
 | 
 Reserve  Bank of New Zealand 
 | 
 2.50% 
 | 
 -50  bps 
 | 
| 
 Nigeria 
 | 
 Central  Bank of Nigeria 
 | 
 12.00% 
 | 
 550  bps 
 | 
| 
 Norway 
 | 
 Norges  Bank 
 | 
 2.25% 
 | 
 25  bps 
 | 
| 
 Pakistan 
 | 
 State  Bank of Pakistan 
 | 
 12.00% 
 | 
 -200  bps 
 | 
| 
 Peru 
 | 
 Banco  Central de Reserva del Peru 
 | 
 4.25% 
 | 
 125  bps 
 | 
| 
 Philippines 
 | 
 Bangko  Sentral ng Pilipinas 
 | 
 4.50% 
 | 
 50  bps 
 | 
| 
 Poland 
 | 
 National  Bank of Poland 
 | 
 4.50% 
 | 
 100  bps 
 | 
| 
 Qatar 
 | 
 Qatar  Central Bank 
 | 
 4.50% 
 | 
 -105  bps 
 | 
| 
 Romania 
 | 
 National  Bank of Romania 
 | 
 6.00% 
 | 
 -25  bps 
 | 
| 
 Russia 
 | 
 Bank  Rossii 
 | 
 8.25% 
 | 
 50  bps 
 | 
| 
 Rwanda 
 | 
 National  Bank of Rwanda 
 | 
 7.00% 
 | 
 100  bps 
 | 
| 
 Samoa 
 | 
 Central  Bank of Samoa 
 | 
 5.00% 
 | 
 – 
 | 
| 
 Saudi  Arabia 
 | 
 Saudi  Arabian Monetary Agency 
 | 
 2.00% 
 | 
 – 
 | 
| 
 Serbia 
 | 
 National  Bank of Serbia 
 | 
 9.75% 
 | 
 -175  bps 
 | 
| 
 Sierra  Leone 
 | 
 Bank  of Sierra Leone 
 | 
 20.00% 
 | 
 -300  bps 
 | 
| 
 South  Africa 
 | 
 South  African Reserve Bank 
 | 
 5.50% 
 | 
 – 
 | 
| 
 South  Korea 
 | 
 Bank  of Korea 
 | 
 3.25% 
 | 
 75  bps 
 | 
| 
 Sri  Lanka 
 | 
 Central  Bank of Sri Lanka 
 | 
 7.00% 
 | 
 – 
 | 
| 
 Sweden 
 | 
 Riksbank 
 | 
 2.00% 
 | 
 75  bps 
 | 
| 
 Switzerland 
 | 
 Swiss  National Bank 
 | 
 0.25% 
 | 
 – 
 | 
| 
 Taiwan 
 | 
 Central  Bank of the Republic of China 
 | 
 1.88% 
 | 
 38  bps 
 | 
| 
 Tajikistan 
 | 
 National  Bank of Tajikistan 
 | 
 9.00% 
 | 
 75  bps 
 | 
| 
 Thailand 
 | 
 Bank  of Thailand 
 | 
 3.25% 
 | 
 125  bps 
 | 
| 
 Trinidad  & Tobago 
 | 
 Central  Bank of Trinidad & Tobago 
 | 
 3.00% 
 | 
 -50  bps 
 | 
| 
 Tunisia 
 | 
 Central  Bank of Tunisia 
 | 
 3.50% 
 | 
 -100  bps 
 | 
| 
 Turkey 
 | 
 Central  Bank of the Republic of Turkey 
 | 
 5.75% 
 | 
 -75  bps 
 | 
| 
 UAE 
 | 
 Central  Bank of United Arab Emirates 
 | 
 1.00% 
 | 
 – 
 | 
| 
 Uganda 
 | 
 Bank  of Uganda 
 | 
 23.00% 
 | 
 1000  bps 
 | 
| 
 Ukraine 
 | 
 National  Bank of Ukraine 
 | 
 7.75% 
 | 
 – 
 | 
| 
 United  Kingdom 
 | 
 Bank  of England 
 | 
 0.50% 
 | 
 – 
 | 
| 
 Uruguay 
 | 
 Banco  Cental Del Uruguay 
 | 
 8.00% 
 | 
 150  bps 
 | 
| 
 USA 
 | 
 Federal  Reserve 
 | 
 0.25% 
 | 
 – 
 | 
| 
 Uzbekistan 
 | 
 Central  Bank of the Republic of Uzbekistan 
 | 
 12.00% 
 | 
 -200  bps 
 | 
| 
 Vietnam 
 | 
 State  Bank of Vietnam 
 | 
 15.00% 
 | 
 600  bps 
 | 
| 
 West  African States 
 | 
 Central  Bank of West African States 
 | 
 4.25% 
 | 
 – 
 | 
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