Real interest rates describe the growth in the real value of the interest on a loan or deposit, adjusted for inflation. Nominal interest rates on the other hand show us the raw interest rate, which is unadjusted for inflation. If the inflation rate in a certain country were zero percent, the real and nominal interest rates would be the same number. As inflation reduces the real value of a loan, however, a positive inflation rate will mean that the nominal interest rate is more likely to be greater than the real interest rate. We can see this in the recent inflationary episode which has taken place in the wake of the Coronavirus pandemic, with nominal interest rates rising over the course of 2022, but still lagging far behind the rate of inflation, meaning these rate rises register as smaller increases in the real interest rate.

This data collection provides information on the characteristics of the housing inventory in 12 Standard Metropolitan Statistical Areas (SMSAs). Data include year the structure was built, type and number of living quarters, occupancy status, presence of commercial establishments on the property, presence of a garage, and property value. Additional data focus on kitchen and plumbing facilities, type of heating fuel used, source of water, sewage disposal, and heating and air conditioning equipment. Information about housing expenses includes mortgage or rent payments, utility costs, garbage collection fees, property insurance, and real estate taxes as well as repairs, additions, or alterations to the property. Similar data are provided for housing units previously occupied by respondents who had recently moved. Indicators of housing and neighborhood quality are also supplied. Housing quality variables include privacy of bedrooms, condition of kitchen facilities, basement or roof leakage, presence of cracks or holes in walls, ceilings, or floor, reliability of plumbing and heating equipment, and concealed electrical wiring. The presence of storm doors and windows and insulation was also noted. Neighborhood quality variables indicate presence of and objection to street noise, odors, crime, litter, and rundown and abandoned structures, as well as the adequacy of street lighting, public transportation, public parks, schools, shopping facilities, and police and fire protection. Extensive information on the ability of handicapped persons to move around their homes is also provided. Respondents were asked if they needed special equipment, or the help of another person to move around. They were also asked about the presence or need for housing features to aid their movement, such as ramps, braille lettering, elevators, and extra wide doors. In addition to housing characteristics, demographic data for household members are provided, including sex, age, race, income, marital status, and household relationship. Additional data are available for the household head, including Hispanic origin, length of residence, and travel-to-work information.

Abstract copyright UK Data Service and data collection copyright owner.

The 5% Sample Survey of Building Society Mortgage Completions (BSM) has been in existence since 1965. The Archive holds data from 1974.
Monthly returns, giving detailed information on a nominal 5% sample of all mortgage completions, have been submitted on a voluntary basis by most building societies to the Department of Environment who process the data on a quarterly basis.
The survey results have served as the offical source of statistics on the owner-occupied housing market, providing a wealth of information on mortgage advances, dwelling prices and the characteristics of borrowers and properties.
An increased share of the mortgage market being accounted for by other lenders and a widening range of mortgage products during the 1980s have necessitated change, leading to the BSM being succeeded by the Survey of Mortgage Lenders (SML) in 1992 (see GN: 33254).
An important consideration for users of the data is that the SML figures allow continuity with the BSM survey results to be maintained for a reasonable period.
Main Topics:
Building Society code, date mortgage completed, whether dwelling is wholly or partly occupied by borrower. Mortgage amount, whether solely for purchase of property, period of mortgage, gross rate of interest, repayment method. Purchase price and whether discounted in any way. Location of dwelling, whether new, age of dwelling, type, number of habitable rooms, whether garage, rateable value. Number and sex of borrowers, age of main borrower, basic income, other income, total income, whether applicant previously owner occupier, previous tenure, whether main borrower nominated by LA under support lending scheme.

Iceland: Interest rates on bank credit to the private sector: The latest value from 2023 is 11.53 percent, an increase from 7.6 percent in 2022. In comparison, the world average is 14.19 percent, based on data from 83 countries. Historically, the average for Iceland from 1982 to 2023 is 15.66 percent. The minimum value, 5.4 percent, was reached in 2021 while the maximum of 47 percent was recorded in 1982.

This table contains 80 series, with data starting from 1982 (not all combinations necessarily have data for all years). This table contains data described by the following dimensions (Not all combinations are available): Geography (1 item: Canada); Mortgages (4 items: Total, mortgage loans outstanding; Mortgages in Canada outstanding; Mortgage loans outside Canada outstanding; Allowance for credit losses); Increases and decreases (15 items: Total, increases and decreases; Gross increase; Cash disbursement of principal; Purchases of mortgages from; ...); Type of mortgage (7 items: Total, mortgages; Total, residential mortgages; Residential mortgages, insured; Residential mortgages, uninsured; ...).

Mortgage Rate: Average: First Time Buyer: Gansu: Lanzhou data was reported at 5.280 % pa in Jun 2021. This records an increase from the previous number of 5.260 % pa for May 2021. Mortgage Rate: Average: First Time Buyer: Gansu: Lanzhou data is updated monthly, averaging 5.260 % pa from Apr 2021 (Median) to Jun 2021, with 3 observations. The data reached an all-time high of 5.280 % pa in Jun 2021 and a record low of 5.260 % pa in May 2021. Mortgage Rate: Average: First Time Buyer: Gansu: Lanzhou data remains active status in CEIC and is reported by Rong 360 BigData Research Institute. The data is categorized under China Premium Database’s Money Market, Interest Rate, Yield and Exchange Rate – Table CN.MA: Rediscount and Lending Rate: Mortgage. contact us
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Mortgage Rate: Average: Second Time Buyer: Gansu: Lanzhou data was reported at 5.490 % pa in Jun 2021. This records a decrease from the previous number of 5.520 % pa for May 2021. Mortgage Rate: Average: Second Time Buyer: Gansu: Lanzhou data is updated monthly, averaging 5.520 % pa from Apr 2021 (Median) to Jun 2021, with 3 observations. The data reached an all-time high of 5.550 % pa in Apr 2021 and a record low of 5.490 % pa in Jun 2021. Mortgage Rate: Average: Second Time Buyer: Gansu: Lanzhou data remains active status in CEIC and is reported by Rong 360 BigData Research Institute. The data is categorized under China Premium Database’s Money Market, Interest Rate, Yield and Exchange Rate – Table CN.MA: Rediscount and Lending Rate: Mortgage. contact us
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Lebanon: Interest rates on bank credit to the private sector: The latest value from 2019 is 10.51 percent, an increase from 9.1 percent in 2018. In comparison, the world average is 11.43 percent, based on data from 114 countries. Historically, the average for Lebanon from 1982 to 2019 is 18.26 percent. The minimum value, 7.09 percent, was reached in 2015 while the maximum of 44.46 percent was recorded in 1988.

Bhutan: Interest rates on bank credit to the private sector: The latest value from 2023 is 14 percent, unchanged from 14 percent in 2022. In comparison, the world average is 14.19 percent, based on data from 83 countries. Historically, the average for Bhutan from 1982 to 2023 is 14.89 percent. The minimum value, 13.75 percent, was reached in 2009 while the maximum of 17 percent was recorded in 1992.

Saint Vincent and the Grenadines: Bank lending-deposit interest rate spread : The latest value from 2020 is 6.26 interest rate points, a decline from 6.55 interest rate points in 2019. In comparison, the world average is 6.59 interest rate points, based on data from 93 countries. Historically, the average for Saint Vincent and the Grenadines from 1982 to 2020 is 6.58 interest rate points. The minimum value, 3.88 interest rate points, was reached in 1983 while the maximum of 8.03 interest rate points was recorded in 1993.

A tabular presentation of prices, earnings and financial indicators in British Columbia, including CPI; interest, mortgage and exchange rates; wages and household income, 1982 to 2012 with annual percentage changes.

Lebanon: Bank lending-deposit interest rate spread : The latest value from 2019 is 0.82 interest rate points, a decline from 1.37 interest rate points in 2018. In comparison, the world average is 6.96 interest rate points, based on data from 100 countries. Historically, the average for Lebanon from 1982 to 2019 is 6.98 interest rate points. The minimum value, 0.82 interest rate points, was reached in 2019 while the maximum of 23.12 interest rate points was recorded in 1992.

Bhutan's Interest rate spread (lending rate - deposit rate) is 11% which is the 11th highest in the world ranking. Transition graphs on Interest rate spread (lending rate - deposit rate) in Bhutan and comparison bar charts (China vs. Bhutan), (Guyana vs. Solomon Islands vs. Bhutan) are used for easy understanding. Various data can be downloaded and output in csv format for use in EXCEL free of charge.

A tabular presentation of prices, earnings and financial indicators in British Columbia, including CPI; interest, mortgage and exchange rates; wages and household income, 1982 to 2012 with annual percentage changes.

Graph and download economic data for Bank Prime Loan Rate Changes: Historical Dates of Changes and Rates (PRIME) from 1955-08-04 to 2024-12-20 about prime, loans, interest rate, banks, interest, depository institutions, rate, and USA.

Honduras HN: Lending Rate data was reported at 19.259 % pa in 2017. This records a decrease from the previous number of 19.332 % pa for 2016. Honduras HN: Lending Rate data is updated yearly, averaging 19.388 % pa from Dec 1982 (Median) to 2017, with 36 observations. The data reached an all-time high of 32.067 % pa in 1997 and a record low of 15.375 % pa in 1988. Honduras HN: Lending Rate data remains active status in CEIC and is reported by International Monetary Fund. The data is categorized under Global Database’s Honduras – Table HN.IMF.IFS: Lending, Saving and Deposit Rates: Annual.

Costa Rica CR: Lending Rate data was reported at 7.335 % pa in 2024. This records a decrease from the previous number of 9.097 % pa for 2023. Costa Rica CR: Lending Rate data is updated yearly, averaging 22.188 % pa from Dec 1982 (Median) to 2024, with 43 observations. The data reached an all-time high of 38.876 % pa in 1991 and a record low of 5.512 % pa in 2021. Costa Rica CR: Lending Rate data remains active status in CEIC and is reported by International Monetary Fund. The data is categorized under Global Database’s Costa Rica – Table CR.IMF.IFS: Lending, Saving and Deposit Rates: Annual.

Key information about Australia Long Term Interest Rate

• Australia Government Bond Yield: Australian Government: 10 Years was reported at 4.42 % pa in Feb 2025, compared with 4.48 % pa in the previous month.
• Australia Long Term Interest Rate data is updated monthly, available from Jul 1969 to Feb 2025.
• The data reached an all-time high of 16.50 % pa in Aug 1982 and a record low of 0.80 % pa in Oct 2020.
• Long Term Interest Rate is reported by reported by Reserve Bank of Australia.

Related information about Australia Long Term Interest Rate

• In the latest reports, Australia Short Term Interest Rate: Month End: Bank Acceptance Bills Rates: 90 days was reported at 4.12 % pa in Feb 2025.
• The cash rate (Policy Rate: Month End: Cash Target Rate) was set at 4.10 % pa in Feb 2025.
• Australia Exchange Rate against USD averaged 1.49 (USD/AUD) in Jun 2023.

Botswana: Interest rates on bank credit to the private sector: Pour cet indicateur, La Banque mondiale fournit des données pour la Botswana de 1980 à 2023. La valeur moyenne pour Botswana pendant cette période était de 11.8 pour cent avec un minimum de 5.25 pour cent en 2021 et un maximum de 24.21 pour cent en 1982.

Saint Lucia LC: Lending Interest Rate data was reported at 8.340 % pa in 2017. This records a decrease from the previous number of 8.473 % pa for 2016. Saint Lucia LC: Lending Interest Rate data is updated yearly, averaging 11.237 % pa from Dec 1982 (Median) to 2017, with 36 observations. The data reached an all-time high of 14.997 % pa in 2003 and a record low of 8.340 % pa in 2017. Saint Lucia LC: Lending Interest Rate data remains active status in CEIC and is reported by World Bank. The data is categorized under Global Database’s St. Lucia – Table LC.World Bank.WDI: Interest Rates. Lending rate is the bank rate that usually meets the short- and medium-term financing needs of the private sector. This rate is normally differentiated according to creditworthiness of borrowers and objectives of financing. The terms and conditions attached to these rates differ by country, however, limiting their comparability.; ; International Monetary Fund, International Financial Statistics and data files.; ;