HNB: Interest rates on loans in July still around the same levels

HRT (Hrvatska radiotelevizija)State / PublicCenterFactual 80Objective 858/31/2026

The Croatian National Bank (HNB) reported that interest rates for major types of euro loans in July 2026 remained largely unchanged compared to levels reached in the second half of the previous year. According to the HNB's statistical data, the highest average interest rate for loans granted to households was recorded for credit based on overdraft accounts at 5.58%, while the lowest average rate was for housing loans at 2.91%. For non-business and other loans, the average rate was 5.29%, and for credit card loans, it was 3.49%. For loans granted to non-financial corporations, the average rate was 3.09% for short-term loans and 3.8% for long-term loans. On an annual basis, there was an increase of 0.20 percentage points for short-term loans and 0.24 percentage points for long-term loans. On a quarterly basis, there was an increase of 0.08 percentage points for short-term loans and a decrease of 0.09 percentage points for long-term loans. The HNB also noted a rise in interest rates for long-term funding sources, indicating continued stagnation in short-term rates since mid-2025, accompanied by greater volatility.

Bias read (Center): The article presents factual economic data regarding interest rates without overt ideological framing. It reports on trends and changes in interest rates across different loan categories and timeframes, using objective language and citing statistical data from the HNB. There is no evident partisan倾向

Why factuality (80): This article also references HNB data and presents similar statistics about interest rates in July 2026. It includes additional details like year-over-year and quarter-over-quarter changes, which align with the cross-source consensus. The numbers match those presented in the first article, reinforci

Why objectivity (85): The article maintains an objective tone, using neutral language and presenting both increases and decreases in interest rates without favoring any particular outcome. It clearly states the sources of the data and avoids subjective interpretation.

Net.hrIndependentCenterFactual 75Objective 808/31/2026

The article reports on recent interest rate data from Croatia's National Bank (HNB), highlighting that interest rates on loans for citizens remained largely unchanged in July, staying at levels similar to those seen in the second half of last year. Residential mortgages remain the most favorable option, with an average rate of 2.91%, while other types of loans, such as non-residential and general loans, have higher rates averaging 5.29%. Overdraft fees (minus) are even more expensive, with an average rate of 5.58%, making them the highest among major categories. Savings rates are lower, with short-term deposits yielding 1.45% and long-term deposits 1.14%. The article notes that banks charge significantly more in interest on loans than they pay on savings, emphasizing that these are average rates across different financial products and cannot be directly compared. It also mentions that interest rates for businesses show some trends, with short-term corporate loans at 3.09% and long-term at 3.80%, though long-term rates have shown more volatility.

Bias read (Center): The article presents factual economic data from the HNB without overt ideological framing. While it discusses financial conditions that could influence political discourse (e.g., loan costs affecting households), the tone remains neutral, focusing on statistical updates rather than advocacy. There’s

Why factuality (75): The article reports data from HNB about interest rates in July 2026, aligning with the cross-source consensus. It provides specific figures for different loan types and savings rates, though it mentions these are average rates and not directly comparable as if they were the same product. No primary

Why objectivity (80): The tone remains neutral, presenting facts without emotional language or clear bias. The article explains the differences between loan types and savings rates objectively, without taking sides or promoting any particular viewpoint.