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Reference Interest Rates


The Central Bank of Cyprus, exercising its powers under article 314A of the Cyprus Penal Code, Cap.154, as subsequently amended, and in accordance with the provisions of the said article, determines the reference interest rates.

The reference interest rate is determined on a quarterly basis.

According to the aforementioned article, it constitutes an illegal act when a person reaps, receives, collects, or charges, for his interest or on behalf of a third party, economic or property benefits, in excess of the reference interest rate, at the point of  loan granting, when extending the repayment period, at renewal or prepayment of a loan. 

DATE

%

As published in the Government Gazette

01.07.2011

12,18

G.G. Part ΙΙΙ(Ι), No. 4503, 1.7.2011, Number 258
27.10.2011

12,57

G.G. Part ΙΙΙ(Ι), No. 4528, 27.10.2011, Number 454
27.01.2012

12,45

G.G. Part ΙΙΙ(Ι), No. 4545, 27.1.2012, Number 18
27.04.2012

12,44

G.G. Part ΙΙΙ(Ι), No. 4564, 27.4.2012, Number 161
27.07.2012

12,32

G.G. Part ΙΙΙ(Ι), No. 4583, 27.7.2012, Number 285
09.11.2012

12,67

G.G. Part ΙΙΙ(Ι), No. 4603, 9.11.2012, Number 437
25.01.2013

12,51

G.G. Part ΙΙΙ(Ι), No. 4622, 25.1.2013, Number 26
10.05.2013

12,26

G.G. Part ΙΙΙ(Ι), No. 4668, 10.5.2013, Number 152
25.07.2013

12,41

G.G. Part ΙΙΙ(Ι), No. 4699, 25.7.2013, Number 272
25.10.2013 12,49 G.G. Part III(I), No. 4726, 25.10.2013, Number 378
31.01.2014 12,06 G.G. Part III(I), No. 4755, 31.01.2014, Number 34
02.05.2014 11,81 G.G. Part III(I), No. 4777, 02.05.2014, Number 221
11.07.2014 11,31 G.G. Part III(I), No. 4797, 11.07.2014, Number 330
31.10.2014 11,08 G.G. Part III(I), No. 4828, 31.10.2014, Number 485
30.01.2015 10,72 G.G. Part III(I), No. 4848, 30.01.2015, Number 30
24.04.2015 10,44 G.G. Part III(I), No. 4865, 24.04.2015, Number 136
31.07.2015 9,56 G.G. Part III(I), No. 4885, 31.07.2015, Number 266
30.10.2015 10,10 G.G. Part III(I), No. 4902, 30.10.2015, Number 360
29.01.2016 9,80

G.G. Part III(I), No. 4921, 29.01.2016, Number 17

28.04.2016  9,96  G.G. Part III(I), No. 4943, 28.04.2016, Number 139
29.07.2016 9,88 G.G. Part III(I), No. 4957, 29.07.2016, Number 224
27.10.2016 9,77 G.G. Part III(I), No. 4971, 27.10.2016, Number 301
27.01.2017 9,42 G.G. Part III(I), No. 4993, 27.01.2017, Number 32
28.04.2017 9,12 G.G. Part III(I), No. 5010, 28.04.2017, Number 136
28.07.2017 9,47 G.G. Part III(I), No. 5031, 28.07.2017, Number 249
27.10.2017 9,92 G.G. Part III(I), No. 5045, 27.10.2017, Number 349
26.01.2018 9,23

G.G. Part III(I), No. 5064, 26.01.2018, Number 31

27.04.2018 9,78 G.G. Part III(I), No. 5084, 27.04.2018, Number 108
27.07.2018 9,43 G.G. Part III(I), No. 5103, 27.07.2018, Number 231
26.10.2018 9,63 G.G. Part III(I), No. 5117, 26.10.2018, Number 309
25.01.2019 8,96 G.G. Part III(I), No. 5135, 25.01.2019, Number 22
25.04.2019 8,82 G.G. Part III(I), No. 5156, 25.04.2019, Number 144
26.07.2019 8,50 G.G. Part III(I), No. 5174, 26.07.2019, Number 261
25.10.2019 8,63 G.G. Part III(I), No. 5189, 25.10.2019, Number 343
31.01.2020 8,62 G.G. Part III(I), No. 5204, 31.01.2020, Number 32
24.04.2020 8,71 G.G. Part III(I), No. 5252, 24.04.2020, Number 174
31.07.2020 8,76 G.G. Part III(I), No. 5329, 31.07.2020, Number 335
30.10.2020 8,74 G.G. Part III(I), No. 5385, 30.10.2020, Number 507
29.01.2021 8,60 G.G. Part III(I), No. 5454, 29.01.2021, Number 46
29.04.2021 8,82 G.G. Part III(I), No. 5517, 29.04.2021, Number 184
30.07.2021 8,59 G.G. Part III(I), No. 5578, 30.07.2021, Number 341
29.10.2021 8,69 G.G. Part III(I), No. 5622, 29.10.2021, Number 437
28.01.2022 8,89 G.G. Part III(I), No. 5659, 28.01.2022, Number 46
29.04.2022 9,10 G.G. Part III(I), No. 5694, 29.04.2022, Number 175
29.07.2022 8,93 G.G. Part III(I), No. 5727, 29.07.2022, Number 309
27.10.2022 9,40 G.G. Part III(I), No. 5748, 27.10.2022, Number 404
27.01.2023 10,05 G.G. Part III(I). No. 5772, 27.01.2023, Number 17
28.04.2023 10,94 G.G. Part III(I), No. 5795, 28.04.2023, Number 129
28.07.2023 10,38 G.G. Part III(I), No. 5813, 28.07.2023, Number 238
27.10.2023 11,52 G.G. Part III(I), No. 5831, 27.10.2023, Number 334
26.01.2024 11,46 G.G. Part III(I), No. 5850, 26.01.2024, Number 22