The 30 September observation
The Central Bank page reports AZIR at 5.7688% for 30 September. It is an interbank market indicator, not a ready-made consumer-loan offer. The figure belongs to that observation date and may change subsequently.
Three different interest-rate concepts
An interbank indicator, a monetary-policy rate and a customer’s contractual lending rate answer different questions. The market indicator helps explain conditions; a customer quote also reflects risk, term, operating costs and contract terms.
A lower AZIR therefore does not mean every loan becomes cheaper immediately or by the same amount. If a variable-rate contract references an index, read the calculation formula and review dates separately.
Move from the headline to total cost
For the same amount and term, ask for monthly instalments, total repayment, fees and compulsory add-on products. A low nominal percentage can come with other expenses. Confirm whether insurance is required and included in the quotation.
Request a repayment schedule. Check whether the first or final instalment differs, how early repayment works and what happens after a late payment. These questions are more useful than comparing a single advertising percentage.
Compare like with like
Use the same loan amount and duration. A longer loan may lower the monthly payment while increasing the total cost. The institution determines approval and individual terms.
This is financial education, not a recommendation to buy a specific product. Understanding AZIR helps you ask better questions but cannot replace an assessment of your own income and repayment capacity.
Frequently asked questions
Can I borrow at AZIR? The indicator is not itself a retail product. Does a lower reading reduce every existing debt? Not automatically. What matters most? Total cost, schedule and affordability when the compared parameters are identical.
Sources and editorial note
Prepared on 1 October 2026. Facts are based on the sources below; practical recommendations are editorial analysis. Conditions may change. The cover is an AI-generated illustration, not a photograph of the reported event.