To obtain a mortgage, first-time homebuyers in the UK need to save a deposit amounting to about ** percent of the property purchase price. The higher the property value and the loan amount, the higher the deposit. In 2024, the average first-time buyer deposit in the UK was about ****** British pounds, but in the most expensive region, Greater London, the deposit amount was more than double. The share of the deposit was also much higher than in other regions in the UK. How has the house price for first-time buyers changed over time? Housing bought by first-time buyers has become increasingly pricier since 2000, making it harder for renters to get on the property ladder. By 2024, the average house price had tripled. The price also varied in different regions, with the North East being the least expensive and Greater London – the most expensive. Which are the most affordable areas for first-time buyers? While housing in certain areas can be pricy, this does not necessarily make it unaffordable, as the standard of living may also be higher. In 2020, the most affordable towns for first-time buyers were found in the North West region (Burnley) and Scotland (East Ayshire, North Ayshire, Inverclyde, West Dunbartonshire).

Homebuyers in the top 10 U.S. states with the highest median down payment for a home purchase had to pay more than double the median for the country in the first quarter of 2024. California, Massachusetts, and Hawaii were the states with the highest down payments in the United States, with median deposits for a home purchase exceeding ****** U.S. dollars. Nationwide, the median down payment was approximately ****** U.S. dollars. The rapid house price increase since the beginning of the coronavirus pandemic, has led to homebuyers needing to set aside a larger deposit. Additionally, a higher down payment allows borrowers to secure lower monthly payments.

Despite the Office for National Statistics (ONS) reporting that the actual average deposit required to buy a home was ** thousand British pounds (GBP), Santander's survey of potential first-time homeowners found the average target deposit was in some cases much lower. Even in London, where the average property price in early 2019 was over *** thousand British pounds, potential first-time homeowners had a target deposit of around **** percent of the property price (**** thousand GBP).

The issue with having a lower deposit for a new home is that it puts buyers into a higher loan-to-value mortgage ratio. Those in the North East looked to achieve the highest deposit to property price ratio at ******* percent.

Norway Deposit Rate: Weighted Average: Banks and Mortgage Companies (BM) data was reported at 0.500 % in Jun 2020. This records a decrease from the previous number of 0.600 % for May 2020. Norway Deposit Rate: Weighted Average: Banks and Mortgage Companies (BM) data is updated monthly, averaging 0.830 % from Dec 2013 (Median) to Jun 2020, with 79 observations. The data reached an all-time high of 2.220 % in Apr 2014 and a record low of 0.500 % in Jun 2020. Norway Deposit Rate: Weighted Average: Banks and Mortgage Companies (BM) data remains active status in CEIC and is reported by Statistics Norway. The data is categorized under Global Database’s Norway – Table NO.M001: Deposit Rate.

As of September 2023, the average home deposit for first-time buyers who had to pay a ** percent deposit in Auckland, New Zealand was ****** New Zealand dollars. For buyers who had to pay a ** percent deposit for a house in Auckland, the average was ******* New Zealand dollars.

On average, first-time homebuyers In the United Kingdom (UK) saved up ** percent of the home price for a down payment in 2024, amounting to ****** British pounds. In Greater London, which was the priciest region to buy a home, the down payment was higher, at ** percent.

South Korea Loans of CSBs: Household: Mortgage data was reported at 909.900 KRW tn in Mar 2025. This records an increase from the previous number of 907.700 KRW tn for Feb 2025. South Korea Loans of CSBs: Household: Mortgage data is updated monthly, averaging 632.430 KRW tn from Dec 2013 (Median) to Mar 2025, with 136 observations. The data reached an all-time high of 909.900 KRW tn in Mar 2025 and a record low of 370.924 KRW tn in Jan 2014. South Korea Loans of CSBs: Household: Mortgage data remains active status in CEIC and is reported by The Bank of Korea. The data is categorized under Global Database’s South Korea – Table KR.KB009: Deposits and Loans: Monthly Financial Market Trend. Monthly Financial Market Trend records data as of 20th of every month i.e. Sept 2014 data is as of 20th Sept 2014. Household Loans including Policy Mortgage Transfers. Including loans assigned to Korea Housing-Finance Corporation. Including housing-related loans, but excluding trust accounts.

Bankrate stands as the top online platform for aggregating and publishing market rates, such as mortgage rates, across U.S. markets. Each day's rates apply to the most sought-after mortgage lending and deposit products. These rates are presented both as a national average and as state-specific averages on dedicated logical records.

Since 2012, the median down payment for a home purchase in the United States has more than doubled. In December 2024, homebuyers who took out a mortgage to finance their purchase had to save up approximately ****** U.S. dollars for a down payment. This is roughly 10,000 U.S. dollars above the median down payment just four years ago in 2020. This was a result of the rapid house price growth observed in recent years.

Diluted-Average-Shares Time Series for Republic Bancorp Inc. Republic Bancorp, Inc. operates as a bank holding company for Republic Bank & Trust Company that provides various banking products and services in the United States. It operates in five segments: Traditional Banking, Warehouse Lending, Tax Refund Solutions, Republic Payment Solutions, and Republic Credit Solutions. The company offers retail mortgage, commercial and industrial loan, construction and land development, secured and unsecured personal loans, and aircraft loans; service charges on deposit accounts, debit and credit card interchange fee income, title insurance commissions; private banking; and lockbox processing, remote deposit capture, business online banking, account reconciliation, automated clearing house processing, and other services. In addition, it offers short-term, revolving credit facilities to mortgage bankers across the United States through mortgage warehouse lines of credit; mortgage banking; tax refund solutions, which facilitate the receipt and payment of federal and state tax refund products through third-party tax preparers and tax-preparation software providers; prepaid and debit solutions, such as issuing of payroll, general purpose reloadable cards, issuing of demand deposit accounts, savings accounts and/or debit cards; and consumer credit products. The company offers its services through full-services banking centers in Kentucky, Indiana, Florida, Ohio, and Tennessee. Republic Bancorp, Inc. was incorporated in 1974 and is headquartered in Louisville, Kentucky.

Diluted-Average-Shares Time Series for Amalgamated Bank. Amalgamated Financial Corp. operates as the bank holding company for Amalgamated Bank that provides commercial and retail banking, investment management, and trust and custody services in the United States. The company accepts various deposit products, including non-interest-bearing accounts, interest-bearing demand products, savings accounts, money market accounts, NOW accounts, time deposits, and certificates of deposit. It also provides residential real estate mortgage, commercial and industrial, commercial real estate, multifamily mortgage, consumer solar, and consumer and other loans. In addition, the company offers online banking, bill payment, online cash management, safe deposit box rentals, debit card, and ATM card services; and trust, custody, and investment management services, including asset safekeeping, corporate actions, income collections, proxy services, account transition, asset transfers, and conversion management; investment products, such as index and actively-managed funds, which include equity, fixed-income, real estate, and alternative investments; and investment, brokerage, asset management, and insurance products. Amalgamated Financial Corp. was founded in 1923 and is headquartered in New York, New York.

Diluted-Average-Shares Time Series for German American Bancorp Inc. German American Bancorp, Inc. operates as a financial holding company for German American Bank that provides retail and commercial banking, and health management services. The company operates through Core Banking, and Trust and Investment Advisory Services segments. The Core Banking segment accepts deposits from the general public; and originates consumer, commercial and agricultural, commercial and agricultural real estate, and residential mortgage loans, as well as sells residential mortgage loans in the secondary market. The Wealth Management segment provides trust, investment advisory, brokerage, and retirement planning services. It also offers demand deposits, savings, interest-bearing checking, money market accounts, and certificates of deposit; home equity and credit card loans; and wealth advisory and trust services. German American Bancorp, Inc. was founded in 1910 and is based in Jasper, Indiana.

Diluted-Average-Shares Time Series for Citizens Community Bancorp Inc. Citizens Community Bancorp, Inc. operates as a bank holding company for Citizens Community Federal N.A. that provides various traditional community banking services to businesses, agricultural operators, and consumers in the United States. The company accepts various deposit products, including demand deposits, savings and money market accounts, and certificates of deposit. It also provides various loan products, such as commercial real estate, commercial and industrial, agricultural real estate, agricultural operating, and consumer loans; and one-to-four family residential mortgages and home equity lines-of-credit. In addition, the company maintains a portfolio of investments comprising mortgage-backed, corporate asset-backed, U.S. Government sponsored agency, and corporate debt securities. The company operates in Wisconsin, Minnesota and Other locations. Citizens Community Bancorp, Inc. was founded in 1938 and is based in Eau Claire, Wisconsin.

Diluted-Average-Shares Time Series for First Bank of Toyama Ltd. The First Bank Of Toyama, Ltd. provides banking and financial services for individual, corporate, and business customers in Japan. It operates through the Banking Business and Leasing Business segments. The company's deposit accounts include regular, fixed, term, savings, foreign currency, and other deposits. It also provides mortgage loans, such as refinancing, new loans, and loans for current customers; car and education loans; renovation loans; and free, housing, and employee loans. In addition, the company offers investment trust, asset management, safe deposit box, remittance, payment, and internet banking and app services, as well as is involved in insurance consultation for medical insurance, whole life insurance, and individual pension insurance. The First Bank Of Toyama, Ltd. was incorporated in 1944 and is headquartered in Toyama, Japan.

Context

PJSC Sberbank is a state-owned Russian banking and financial services company headquartered in Moscow. The company was known as "Sberbank of Russia" until 2015. Sberbank has operations in several European and post-Soviet countries. As of 2014 it was the largest bank in Russia and Eastern Europe, and the third largest in Europe, ranked 33rd in the world and first in central and Eastern Europe in The Banker's Top 1000 World Banks ranking.

Here is data set from Sberbank open data after my translation and restruction.

Content

This data set contains pivot information about : 'The number of applications for consumer loans', 'Average consumer loan application', 'The number of applications for mortgages', 'The average amount of a mortgage application', 'Number of new deposits', 'Average amount of new deposit', 'Average salary', 'Average pension', 'On average rubles on current account per person', 'On average, deposits in rubles per person', 'Average spending on cards', 'Average Fast Food format Check', 'Average check in Restaurant format', 'Average spending in a fast food restaurant', 'Average spending in a restaurant'

From 84 Russian regions in a time from 01.2013 to 01.2019

Inspiration

Can you explore, explain and predict throguth this data?

The benchmark interest rate in Hong Kong was last recorded at 4.25 percent. This dataset provides the latest reported value for - Hong Kong Interest Rate - plus previous releases, historical high and low, short-term forecast and long-term prediction, economic calendar, survey consensus and news.

Korea Average: AH: All: A Deposit For A Lease data was reported at 25,010.000 KRW th in 2017. This records an increase from the previous number of 24,580.000 KRW th for 2016. Korea Average: AH: All: A Deposit For A Lease data is updated yearly, averaging 23,505.000 KRW th from Mar 2010 (Median) to 2017, with 8 observations. The data reached an all-time high of 25,010.000 KRW th in 2017 and a record low of 17,430.000 KRW th in 2010. Korea Average: AH: All: A Deposit For A Lease data remains active status in CEIC and is reported by Statistics Korea. The data is categorized under Global Database’s South Korea – Table KR.H074: Survey of Household Finances & Living Conditions (SHFLC): Household Assets, Liabilities & Income By The Kind of House.

The benchmark interest rate in Norway was last recorded at 4 percent. This dataset provides the latest reported value for - Norway Interest Rate - plus previous releases, historical high and low, short-term forecast and long-term prediction, economic calendar, survey consensus and news.

This statistic presents the average amount of money non-owners are able to save towards a deposit on a house each week in the United Kingdom (UK) in 2015. The differences are reflective of the average income in the regions, with people in London being able to save more than in other regions (** British pounds a week).

The benchmark interest rate in the United Kingdom was last recorded at 4 percent. This dataset provides - United Kingdom Interest Rate - actual values, historical data, forecast, chart, statistics, economic calendar and news.