波黑2025年二季度贷款利率呈温和下降趋势

Core Insights - The overall interest rate for newly approved bank loans in Bosnia and Herzegovina has continued a moderate downward trend, with an average rate of 4.74% at the end of Q2 2025 [1] - The interest rates for new residential loans remain stable, with other loans at 5.72%, consumer loans at 5.68%, and housing loans at 3.81% [1] - The annual and quarterly growth rates for newly approved residential loans are approximately 12%, while corporate loan rates have decreased by 40 basis points compared to the end of last year [1] - Fixed-rate loans with a term of 1-5 years have dropped to 3.94%, and long-term loans (over 5 years) now account for 40% of the total, with an absolute increase of about 50% compared to last year's average [1] - The Central Bank indicates that credit activity remains robust, particularly in housing loans [1] - The overall weighted average interest rate for newly signed deposits has rebounded in Q2, with a slight decrease in local currency deposit rates and an increase in foreign currency deposit rates [1] - An economist from East Sarajevo University notes that while the repayment rate for residential loans is good, the interest rates are significantly high, suggesting an overly conservative risk assessment by banks regarding retail credit [1]