2000-2005
Prior to 2000, fixed interest rates were adjusted only twice a year.In 2000, the system for fixed interest rate calculation was altered so that the Housing Bank could give monthly offers.
*) The tables show nominal interest rates. The effective interest rate is normally 0,1 - 0,2 percentage points higher than the nominal rate, depending on the size of the loan and the payment scheme.
The interest rate on loans given on special conditions up to 1996 is at any given time 1 % lower than ordinary rates.
Interest rates 2000
|
Floating interest rate*
|
Fixed interest rate 5 year*
|
|
From date
|
To date
|
%
|
From date
|
To date
|
%
|
|
01.01.00
|
31.03.00
|
6,3
|
01.01.00
|
31.01.00
|
6,4
|
|
|
|
|
01.02.00
|
29.02.00
|
6,2
|
|
|
|
|
01.03.00
|
31.03.00
|
6,3
|
|
01.04.00
|
30.06.00
|
6,0
|
01.04.00
|
30.04.00
|
6,5
|
|
|
|
|
01.05.00
|
31.05.00
|
6,6
|
|
|
|
|
01.06.00
|
30.06.00
|
6,6
|
|
01.07.00
|
30.09.00
|
6,0
|
01.07.00
|
31.07.00
|
6,6
|
|
|
|
|
01.08.00
|
31.08.00
|
6,8
|
|
|
|
|
01.09.00
|
30.09.00
|
6,7
|
|
01.10.00
|
31.12.00
|
6,4
|
01.10.00
|
31.10.00
|
6,9
|
|
|
|
|
01.11.00
|
30.11.00
|
6,8
|
|
|
|
|
01.12.00
|
31.12.00
|
7,0
|
Interest rates 2001
|
Floating interest rate*
|
Fixed interest rate 5 year*
|
|
From date
|
To date
|
%
|
From date
|
To date
|
%
|
|
01.01.01
|
31.03.01
|
7,0
|
01.01.01
|
31.01.01
|
7,0
|
|
|
|
|
01.02.01
|
28.02.01
|
6,8
|
|
|
|
|
01.03.01
|
31.03.01
|
6,5
|
|
01.04.01
|
30.06.01
|
7,4
|
01.04.01
|
30.04.01
|
6,5
|
|
|
|
|
01.05.01
|
31.05.01
|
6,5
|
|
|
|
|
01.06.01
|
30.06.01
|
6,6
|
|
01.07.01
|
30.09.01
|
7,4
|
01.07.01
|
31.07.01
|
6,8
|
|
|
|
|
01.08.01
|
31.08.01
|
7,0
|
|
|
|
|
01.09.01
|
30.09.01
|
7,1
|
|
01.10.01
|
31.12.01
|
7,4
|
01.10.01
|
31.10.01
|
7,1
|
|
|
|
|
01.11.01
|
30.11.01
|
6,8
|
|
|
|
|
01.12.01
|
31.12.01
|
6,7
|
Interest rates 2002
|
Floating interest rate*
|
Fixed interest rate 5 year*
|
|
From date
|
To date
|
%
|
From date
|
To date
|
%
|
|
01.01.02
|
31.03.02
|
7,3
|
01.01.02
|
31.01.02
|
6,4
|
|
|
|
|
01.02.02
|
29.02.02
|
6,2
|
|
|
|
|
01.03.02
|
31.03.02
|
6,4
|
|
01.04.02
|
30.06.02
|
7,3
|
01.04.02
|
30.04.02
|
6,5
|
|
|
|
|
01.05.02
|
31.05.02
|
6,7
|
|
|
|
|
01.06.02
|
30.06.02
|
6,9
|
|
01.07.02
|
30.09.02
|
6,9
|
01.07.02
|
31.07.02
|
6,9
|
|
|
|
|
01.08.02
|
31.08.02
|
7,1
|
|
|
|
|
01.09.02
|
30.09.02
|
7,3
|
|
01.10.02
|
31.12.02
|
7,2
|
01.10.02
|
31.10.02
|
7,0
|
|
|
|
|
01.11.02
|
30.11.02
|
6,8
|
|
|
|
|
01.12.02
|
31.12.02
|
6,5
|
Interest rates 2003
|
Floating interest rate*
|
Fixed interest rate 5 year*
|
|
From date
|
To date
|
%
|
From date
|
To date
|
%
|
|
01.01.03
|
31.03.03
|
7,6
|
01.01.03
|
31.01.03
|
6,5
|
|
|
|
|
01.02.03
|
28.02.03
|
6,4
|
|
|
|
|
01.03.03
|
31.03.03
|
6,2
|
|
01.04.03
|
30.06.03
|
7,5
|
01.04.03
|
30.04.03
|
5,9
|
|
|
|
|
01.05.03
|
31.05.03
|
5,5
|
|
|
|
|
01.06.03
|
30.06.03
|
5,5
|
|
01.07.03
|
30.09.03
|
6,3
|
01.07.03
|
31.07.03
|
5,5
|
|
|
|
|
01.08.03
|
31.08.03
|
5,1
|
|
|
|
|
01.09.03
|
30.09.03
|
4,5
|
|
01.10.03
|
31.12.03
|
5,4
|
01.10.03
|
31.10.03
|
4,7
|
|
|
|
|
01.11.03
|
30.11.03
|
4,9
|
|
|
|
|
01.12.03
|
31.12.03
|
4,8
|
Interest rates 2004
|
Floating interest rate*
|
Fixed interest rate 5 year*
|
|
From date
|
To date
|
%
|
From date
|
To date
|
%
|
|
01.01.04
|
31.03.04
|
3,7
|
01.01.04
|
31.01.04
|
4,8
|
|
|
|
|
01.02.04
|
28.02.04
|
4,9
|
|
|
|
|
01.03.04
|
31.03.04
|
4,6
|
|
01.04.04
|
30.06.04
|
3,1
|
01.04.04
|
30.04.04
|
4,2
|
|
|
|
|
01.05.04
|
31.05.04
|
4,0
|
|
|
|
|
01.06.04
|
30.06.04
|
3,7
|
|
01.07.04
|
30.09.04
|
2,5
|
01.07.04
|
31.07.04
|
4,2
|
|
|
|
|
01.08.04
|
31.08.04
|
4,6
|
|
|
|
|
01.09.04
|
30.09.04
|
4,6
|
|
01.10.04
|
31.12.04
|
2,3
|
01.10.04
|
31.10.04
|
4,3
|
|
|
|
|
01.11.04
|
30.11.04
|
4,1
|
|
|
|
|
01.12.04
|
31.12.04
|
4,0
|
Interest rates 2005
|
Floating interest rate*
|
Fixed interest rate 5 year*
|
|
From date
|
To date
|
%
|
From date
|
To date
|
%
|
|
01.01.05
|
31.03.05
|
2,4
|
01.01.05
|
31.01.05
|
4,0
|
|
|
|
|
01.02.05
|
28.02.05
|
3,8
|
|
|
|
|
01.03.05
|
31.03.05
|
3,7
|
|
01.04.05
|
30.06.05
|
2,3
|
01.04.05
|
30.04.05
|
3,7
|
|
|
|
|
01.05.05
|
31.05.05
|
3,6
|
|
|
|
|
01.06.05
|
30.06.05
|
3,9
|
|
01.07.05
|
30.09.05
|
2,3
|
01.07.05
|
31.07.05
|
3,8
|
|
|
|
|
01.08.05
|
31.08.05
|
3,7
|
|
|
|
|
01.09.05
|
30.09.05
|
3,6
|
|
01.10.05
|
31.12.05
|
2,3
|
01.10.05
|
31.10.05
|
3,5
|
|
|
|
|
01.11.05
|
30.11.05
|
3,6
|
|
|
|
|
01.12.05
|
31.12.05
|
3,6
|