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2025 - Countries With The Lowest Mortgage Rates In The World

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Top 50 Countries with the lowest mortgage rates in the world 2025

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Ranking

Indicators

#

Place

Countries

Mortgage rate (30 years, fixed)

More affordable at first

Mortgage monthly payment (1-bedroom apartment)

US Dollars, $

Rent price (1-bedroom apartment)

US Dollars, $
🏅 1
🇲🇶   Martinique
1.53
829.72
689.14
🥈 2
🇹🇼   Taiwan
1.79
966.84
303.77
🥉 3
🇯🇵   Japan
1.85
739.97
358.00
4
🇱🇺   Luxembourg
2.29
1 494.86
1 193.42
5
🇨🇭   Switzerland
2.42
2 258.30
1 339.75
6
🇬🇫   French Guiana
2.54
567.39
563.99
7
🇯🇪   Jersey
2.84
2 349.66
1 575.92
8
🇲🇴   Macao
3.01
2 819.88
877.89
9
🇲🇨   Monaco
3.10
18 824.37
6 518.86
10
🇸🇬   Singapore
3.13
4 442.69
2 121.86
11
🇫🇮   Finland
3.25
870.12
565.88
12
🇦🇩   Andorra
3.29
1 267.49
754.73
13
🇦🇹   Austria
3.41
1 208.12
646.70
14
🇧🇪   Belgium
3.41
861.04
698.74
15
🇸🇲   San Marino
3.45
947.24
545.33
16
🇷🇪    Réunion
3.45
808.46
565.60
17
🇬🇮   Gibraltar
3.46
2 388.20
1 605.98
18
🇳🇨   New Caledonia
3.47
858.76
618.20
19
🇪🇸   Spain
3.48
620.63
638.43
20
🇫🇷   France
3.62
1 179.55
612.63
21
🇫🇴   Faroe Islands
3.62
1 000.57
665.67
22
🇭🇰   Hong Kong
3.70
4 932.00
1 617.76
23
🇰🇲   Comoros
3.71
428.78
547.39
24
🇳🇷   Nauru
3.74
485.45
1 457.46
25
🇱🇻   Latvia
3.75
318.86
257.72
26
🇸🇮   Slovenia
3.79
684.69
481.34
27
🇩🇰   Denmark
3.89
1 069.34
715.05
28
🇲🇾   Malaysia
3.91
319.89
196.93
29
🇮🇲   Isle of Man
3.93
1 050.88
830.73
30
🇩🇪   Germany
3.93
1 214.20
614.91
31
🇪🇪   Estonia
4.02
500.03
379.17
32
🇧🇳   Brunei
4.09
546.94
408.02
33
🇧🇦   Bosnia and Herzegovina
4.11
390.90
186.58
34
🇳🇴   Norway
4.13
1 106.65
752.58
35
🇸🇰   Slovakia
4.14
638.73
476.56
36
🇱🇹   Lithuania
4.15
442.61
307.25
37
🇦🇽   Åland Islands
4.16
821.07
449.97
38
🇳🇱   Netherlands
4.16
1 275.96
1 034.40
39
🇭🇷   Croatia
4.24
832.81
410.02
40
🇨🇾   Cyprus
4.24
728.89
548.24
41
🇮🇱   Israel
4.25
1 947.57
838.76
42
🇽🇰   Kosovo
4.26
301.80
256.19
43
🇨🇳   China
4.27
841.97
195.49
44
🇧🇶   Caribbean Netherlands
4.28
863.97
852.41
45
🇬🇵   Guadeloupe
4.28
863.97
650.03
46
🇼🇫   Wallis and Futuna
4.28
518.36
876.66
47
🇮🇪   Ireland
4.29
955.15
1 213.58
48
🇧🇬   Bulgaria
4.33
324.30
224.71
49
🇮🇹   Italy
4.36
708.06
520.26
50
🇦🇪   United Arab Emirates
4.37
870.18
927.13

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