Mortgage Lending in Cyprus in 2026: Current Situation and Prospects

## Introduction
In 2026, Cyprus's mortgage market remains stable. After the ECB rate increase cycle in 2022-2023, a gradual softening of monetary policy begins, creating favorable conditions for borrowers.
## Current Rates (2026)
**Standard Mortgages:**
- Fixed 5 years: 4.0-4.5%
- Fixed 10 years: 4.3-4.8%
- Variable (Euribor + margin): 3.5-4.0%
**For Foreign Buyers:**
- Down payment: 30% minimum
- Max loan term: 25 years
- Max borrower age at loan end: 70 years
## Conditions
**Required Documents:** Income proof (6-12 months), ID/passport, employment/business confirmation, Cyprus tax number
**Eligibility:** Stable income, debt ratio