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% |
- |
