Central Bank & Loan Rates Across 33 Countries (2026)
A free reference of each country's central-bank policy rate and typical home loan, car loan and savings rates. Click a country to open its localized calculator. Reference figures for 2026 — verify current rates with your bank.
| Country | Central bank | Policy rate | Typical home loan | Typical car loan | Typical savings |
|---|---|---|---|---|---|
| Australia | Reserve Bank of Australia (RBA) | 4.60% | 6.00% | 8.00% | 4.50% |
| Bahrain | Central Bank of Bahrain (CBB) | 4.75% | 5.50% | 5.50% | 4.00% |
| Bangladesh | Bangladesh Bank | 9.50% | 13.50% | 13.00% | 10.50% |
| Brazil | Banco Central do Brasil (BCB) | 13.75% | 12.00% | 25.00% | 13.50% |
| Canada | Bank of Canada (BoC) | 2.25% | 4.75% | 7.00% | 4.00% |
| China | People's Bank of China (PBOC) | 1.40% | 3.60% | 4.50% | 2.00% |
| Egypt | Central Bank of Egypt (CBE) | 19.00% | 22.00% | 23.00% | 18.50% |
| Eurozone | European Central Bank (ECB) | 2.50% | 3.60% | 5.50% | 2.50% |
| Hong Kong | Hong Kong Monetary Authority (HKMA) | 4.25% | 3.50% | 5.00% | 2.50% |
| Indonesia | Bank Indonesia (BI) | 5.75% | 9.50% | 8.50% | 5.25% |
| Japan | Bank of Japan (BoJ) | 1.25% | 1.50% | 2.50% | 0.50% |
| Kenya | Central Bank of Kenya (CBK) | 8.75% | 15.00% | 15.00% | 9.50% |
| Kuwait | Central Bank of Kuwait (CBK) | 3.50% | 5.00% | 5.00% | 3.25% |
| Malaysia | Bank Negara Malaysia (BNM) | 2.75% | 4.25% | 3.50% | 3.50% |
| Mexico | Banco de México (Banxico) | 6.50% | 11.50% | 13.50% | 9.50% |
| New Zealand | Reserve Bank of New Zealand (RBNZ) | 2.75% | 5.00% | 10.00% | 4.00% |
| Nigeria | Central Bank of Nigeria (CBN) | 23.00% | 29.00% | 27.00% | 14.00% |
| Pakistan | State Bank of Pakistan (SBP) | 11.50% | 16.00% | 17.00% | 13.00% |
| Philippines | Bangko Sentral ng Pilipinas (BSP) | 5.00% | 7.50% | 9.00% | 5.25% |
| Qatar | Qatar Central Bank (QCB) | 4.10% | 5.50% | 5.25% | 3.85% |
| Russia | Bank of Russia (CBR) | 14.00% | 22.00% | 24.00% | 16.00% |
| Saudi Arabia | SAMA (Saudi Central Bank) | 4.50% | 6.25% | 5.00% | 4.00% |
| Singapore | Monetary Authority of Singapore (MAS) | n/a* | 3.25% | 3.50% | 2.80% |
| South Africa | South African Reserve Bank (SARB) | 7.25% | 10.25% | 12.50% | 8.50% |
| South Korea | Bank of Korea (BOK) | 3.00% | 4.50% | 5.50% | 3.00% |
| Sri Lanka | Central Bank of Sri Lanka (CBSL) | 8.75% | 11.00% | 13.00% | 9.00% |
| Taiwan | Central Bank of the Republic of China (CBC) | 2.00% | 2.20% | 4.00% | 1.60% |
| Thailand | Bank of Thailand (BOT) | 1.00% | 6.00% | 4.50% | 1.50% |
| Türkiye | Türkiye Cumhuriyet Merkez Bankası (TCMB) | 37.00% | 44.00% | 47.00% | 40.00% |
| United Arab Emirates | CBUAE | 3.90% | 5.75% | 3.50% | 3.50% |
| United Kingdom | Bank of England (BoE) | 3.75% | 5.25% | 8.00% | 4.00% |
| United States | Federal Reserve | 3.75–4.00% | 6.50% | 7.50% | 4.00% |
| Vietnam | State Bank of Vietnam (SBV) | 4.50% | 10.00% | 10.50% | 5.50% |
Sources: each central bank's latest published decision, re-verified October 12, 2026 for all 33 countries and regions. Changes since the previous update: Japan (BoJ raised to 1.25%, 18 September 2026); United States (Federal Reserve target range raised to 3.75%–4.00%, 16 September 2026); Qatar (QCB deposit rate 4.10%, lending 4.60%, repo 4.35%, effective 17 September 2026 — the table shows the deposit rate); United Arab Emirates (CBUAE base rate 3.90%, 16 September 2026); Saudi Arabia (SAMA repo 4.50%, 16 September 2026); Bahrain (CBB one-week deposit rate 4.75%, 16 September 2026); Hong Kong (HKMA base rate 4.25%, 17 September 2026); Australia (RBA cash rate 4.60%, late September 2026); Brazil (Selic 13.75%, 16 September 2026); New Zealand (RBNZ OCR 2.75%, 2 September 2026); Indonesia (BI-Rate held at 5.75%, 23 September 2026); Malaysia (OPR 2.75%, 3 September 2026); Sri Lanka (OPR held at 8.75%, 30 September 2026); Bangladesh (policy rate held at 9.50%, September 2026); China (PBOC 7-day reverse repo 1.40%; 1-year LPR 3.00%). *Singapore: MAS has no policy interest rate — it steers the Singapore dollar exchange-rate band; local loans track SORA. Unchanged and confirmed: Canada 2.25%, Egypt 19.00% (overnight deposit), Eurozone 2.50% (ECB deposit facility), Kenya 8.75%, Kuwait 3.50%, Mexico 6.50%, Nigeria 23.00%, Pakistan 11.50%, Philippines 5.00%, Russia 14.00%, South Africa 7.25%, South Korea 3.00%, Taiwan 2.00%, Thailand 1.00%, Türkiye 37.00%, United Kingdom 3.75%, Vietnam 4.50%. Policy rates move frequently — confirm before making decisions. Free to cite with a link to fin·calc.
How to use this table
The policy rate is set by the central bank and anchors what banks charge. Home and car loan rates sit above it by a margin; savings/deposit rates sit below. To see your actual monthly payment or maturity in your currency, open the country calculator and enter your numbers — every fin·calc tool runs in your browser with no signup and no account needed.
Read the ranking: where in the world a home loan is cheapest (2026) →
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