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What is Guatemala's policy rate and what does the banking system charge on average for a loan?

According to the cited documentsFinance

Monetary policy rate

3.50%

In force as of Jun 24, 2026Banguat

Banguat's monetary policy rate is 3.50%, in force as of Jun 24, 2026. The system's average lending rate across all currencies was 12.85% in 2025, 12.40% in 2024 and 11.96% in 2023, according to the World Bank's FR.INR.LEND indicator. That average is inflated by consumer and micro credit: a blue-chip corporate places one-year quetzal commercial paper at 4.00-4.75% on the BVN.

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System average lending rate

System average lending rate
PeriodValue
202311.96%
202412.40%
World Bank
  • System average lending rate (all currencies)12.85%2025World Bank
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Sources

  • Banguat

    Boletín: la Junta Monetaria mantiene la tasa líder

    • Monetary policy rate
    banguat.gob.gtAccessed Aug 19, 2026Go to the source
  • World Bank

    Lending interest rate (%)

    • System average lending rate (all currencies)
    • System average lending rate
    api.worldbank.orgAccessed Aug 19, 2026Go to the source