Macro dashboard
How loan rates and EURIBOR have moved in Slovenia - context for a loan or deposit decision.
Full explanation of the trend and its impact → EURIBOR 2026.
Average rates per Bank of Slovenia
An average of concluded deals. The Bank of Slovenia publishes this with a ~2-month lag and it includes subsidised and staff loans - so it often sits below the rate you get at the counter. Latest release: August 2026.
What this means for you: this is a historical average of concluded deals, not a current offer. Use it as a benchmark - if the rate a bank offers you is above this average, you have a basis to negotiate (allowing for the ~2-month lag).
Our data vs. the market
The Bank of Slovenia average lags ~2 months and includes subsidised and staff deals. Below it is the rate the banks we track publish today - and what settling for the median instead of the best costs.
Mortgages
- Market average (BS), August 2026
- 3.22 %
- Lowest today
- 3.55 %
- UniCredit Banka Slovenija
- Median of tracked banks
- 3.80 %
Choosing the lowest instead of the median saves about €4,666 on a €150,000 loan over 20 years (€19/mo).
The BS figure is a lag-published (~2 months) average of concluded new household loans - it includes subsidised, staff and promotional deals, so it often sits below a bank’s list rate.
Consumer loans
- Market average (BS), August 2026
- 5.88 %
- Lowest today
- 4.40 %
- Primorska hranilnica
- Median of tracked banks
- 5.38 %
Choosing the lowest instead of the median saves about €401 on a €15,000 loan over 5 years (€7/mo).
The BS figure is a lag-published (~2 months) average of concluded new household loans - it includes subsidised, staff and promotional deals, so it often sits below a bank’s list rate.
What this means for you: the gap between the average and the best rate on the market is what you save by comparing offers. It grows with a larger amount or a longer term.
Bank margin over EURIBOR
When EURIBOR rose sharply in 2022-2023, banks did not raise their markup by as much - the margin compressed. Where it stands now:
Mortgages
BS average for new household loans minus 6M EURIBOR. The trend shows whether banks passed EURIBOR moves through to borrowers.
- Margin now (August 2026)
- 0.51 pp
- a year ago
- 0.73 pp
- 3 years ago
- 0.11 pp
- range since 2013
- -0.11 pp – 2.98 pp
The BS series blends fixed- and variable-rate loans, so read the trend, not the exact level. ~2-month publication lag.
Consumer loans
BS average for new household loans minus 6M EURIBOR. The trend shows whether banks passed EURIBOR moves through to borrowers.
- Margin now (August 2026)
- 3.17 pp
- a year ago
- 3.65 pp
- 3 years ago
- 2.78 pp
- range since 2013
- 2.64 pp – 6.36 pp
The BS series blends fixed- and variable-rate loans, so read the trend, not the exact level. ~2-month publication lag.
What this means for you: with a variable rate the reference EURIBOR keeps changing, but the bank's agreed markup stays fixed for the life of the loan. So a low markup matters more in negotiation than today's EURIBOR level.
Rates over time
What this means for you: the chart shows how EURIBOR and the average rate moved in the past. With a variable loan your instalment follows EURIBOR; with a fixed one it does not - this helps you understand the risk, but it is not a forecast.