In the United States, interest rates for all mortgage types started to increase in 2021. This was due to the Federal Reserve introducing a series of hikes in the federal funds rate to contain the rising inflation. In the second quarter of 2025, the 30-year fixed rate dropped slightly, to **** percent. The rate remained below the peak of **** percent in the fourth quarter of 2023. Why have U.S. home sales decreased? Cheaper mortgages normally encourage consumers to buy homes, while higher borrowing costs have the opposite effect. As interest rates increased in 2022, the number of existing homes sold plummeted. Soaring house prices over the past 10 years have further affected housing affordability. Between 2014 and 2024, the median price of an existing single-family home risen by about ** percent. On the other hand, the median weekly earnings have risen much slower. Comparing mortgage terms and rates Between 2008 and 2024, the average rate on a 15-year fixed-rate mortgage in the United States stood between **** and **** percent. Over the same period, a 30-year mortgage term averaged a fixed-rate of between **** and **** percent. Rates on 15-year loan terms are lower to encourage a quicker repayment, which helps to improve a homeowner’s equity.

View weekly updates and historical trends for 30 Year Mortgage Rate. from United States. Source: Freddie Mac. Track economic data with YCharts analytics.

30 Year Mortgage Rate in the United States decreased to 6.23 percent in November 26 from 6.26 percent in the previous week. This dataset includes a chart with historical data for the United States 30 Year Mortgage Rate.

In May 29, 2019, FHFA published its final Monthly Interest Rate Survey (MIRS), due to dwindling participation by financial institutions. MIRS had provided information on a monthly basis on interest rates, loan terms, and house prices by property type (all, new, previously occupied); by loan type (fixed- or adjustable-rate), and by lender type (savings associations, mortgage companies, commercial banks and savings banks); as well as information on 15-year and 30-year, fixed-rate loans. Additionally, MIRS provided quarterly information on conventional loans by major metropolitan area and by Federal Home Loan Bank district, and was used to compile FHFA’s monthly adjustable-rate mortgage index entitled the “National Average Contract Mortgage Rate for the Purchase of Previously Occupied Homes by Combined Lenders,” also known as the ARM Index.

Table B.3.1 presents quarterly mortgage rate data specific to the Irish market. These data include all euro and non-euro denominated mortgage lending in the Republic of Ireland only. New business refers to new mortgage lending drawdowns during the quarter, broken down by type of interest rate product (i.e. fixed, tracker and SVR). The data also provide further breakdown of mortgages for principal dwelling house (PDH) and buy-to-let (BTL) properties. Renegotiations of existing loans are not included. .hidden { display: none }

Mortgage interest rates in Czechia have experienced significant fluctuations over the past few years, reaching a peak of nearly *** percent in December 2022 before gradually declining. As of March 2025, the interest rate on new mortgages in the country amounted to **** percent, showing a slight decrease from the previous month. This trend in mortgage rates has occurred alongside substantial increases in housing prices. Housing market dynamics The changes in mortgage rates have gone hand in hand with notable shifts in the Czech housing market. Despite the high-interest rates, new mortgage lending reached over 18 million Czech koruna in December 2024, marking a significant increase from the same month in the previous year. This growth in lending has continued despite the steady rise in housing prices, with the house price index reaching ***** in the third quarter of 2024. This marks a significant increase from the 2015 baseline, reflecting the ongoing upward trend. The average purchase price per square meter for family houses increasing across the country. In 2023, Prague recorded the highest average price at ******* Czech koruna per square meter. Construction sector trends The construction sector in Czechia has shown its response to these market conditions. The index of multi-dwelling building construction fluctuated recently, with 2024 showing a slight decrease to **** index points compared to the previous year. However, regarding non-residential buildings, the construction has been continuously growing since 2018 with hotels and industrial buildings accounting for the majority of new non-residential constructions.

Mortgage interest rates worldwide varied greatly in June 2025, from less than ******percent in many European countries to as high as ***percent in Turkey. The average mortgage rate in a country depends on the central bank's base lending rate and macroeconomic indicators such as inflation and forecast economic growth. Since 2022, inflationary pressures have led to rapid increases in mortgage interest rates. Which are the leading mortgage markets? An easy way to estimate the importance of the mortgage sector in each country is by comparing household debt depth, or the ratio of the debt held by households compared to the county's GDP. In 2024, Switzerland, Australia, and Canada had some of the highest household debt to GDP ratios worldwide. While this indicator shows the size of the sector relative to the country’s economy, the value of mortgages outstanding allows to compare the market size in different countries. In Europe, for instance, the United Kingdom, Germany, and France were the largest mortgage markets by outstanding mortgage lending. Mortgage lending trends in the U.S. In the United States, new mortgage lending soared in 2021. This was largely due to the growth of new refinance loans that allow homeowners to renegotiate their mortgage terms and replace their existing loan with a more favorable one. Following the rise in interest rates, the mortgage market cooled, and refinance loans declined.

Mortgage Rate in Sweden decreased to 2.80 percent in September from 2.84 percent in August of 2025. This dataset includes a chart with historical data for Sweden Average Interest Rate on New Agreements for Mortgages to Households.

Graph and download economic data for 15-Year Fixed Rate Mortgage Average in the United States (MORTGAGE15US) from 1991-08-30 to 2025-11-26 about 15-year, mortgage, fixed, interest rate, interest, rate, and USA.

The mortgage credit interest rate is the average interest rate on mortgage loan products offered to individuals and households by the commercial banks in the country. The mortgage credit is a loan used to finance the purchase of real estate. The table shows the latest available data from the national authorities as well as the values from three months ago and one year ago. The data are updated continuously.

Graph and download economic data for Interest Rates: Other Long Term Rates and Yields: Housing: Mortgage Rates for Luxembourg (IRLOHO02LUM156N) from Jan 1987 to Nov 2023 about Luxembourg, mortgage, yield, interest rate, interest, housing, and rate.

The mortgage interest rate in Denmark declined overall from *** percent in 2016 to **** percent in 2021, followed by a dramatic increase until 2024. In the first quarter of 2025, the average weighted interest rate stood at **** percent. A similar trend of interest rates escalating has been observed across all European countries.

Fixed 30-year mortgage rates in the United States averaged 6.40 percent in the week ending November 21 of 2025. This dataset provides the latest reported value for - United States MBA 30-Yr Mortgage Rate - plus previous releases, historical high and low, short-term forecast and long-term prediction, economic calendar, survey consensus and news.

Graph and download economic data for 30-Year FHA Mortgage Rate: Secondary Market (DISCONTINUED) (FHA30) from Jan 1964 to Jun 2000 about secondary market, 30-year, mortgage, interest rate, interest, rate, and USA.

View weekly updates and historical trends for 15 Year Mortgage Rate. from United States. Source: Freddie Mac. Track economic data with YCharts analytics.

As of January 2025, the average monthly interest rate for house loans in Indonesia was **** percent. The country's house loan interest rate has gradually decreased over the past few years, with a drop of around *** percent compared to the rate in January 2021. House financing and ownership in Indonesia With mortgage interest rates anticipated to remain lower compared to the pre-COVID-19 pandemic level, Indonesia's residential property market is expected to continue growing. Indonesian banks provided mortgage loans exceeding *** trillion Indonesian as of January 2025, catering to the majority of Indonesians who rely on loans to finance their homeownership needs. Notably, house ownership rates in Indonesian rural areas are significantly higher compared to urban areas. Amid its soaring land and house prices, Jakarta struggled with the lowest house ownership rate of any province in Indonesia. Housing prices Despite its significant housing backlog, which underscores the need for affordable housing, Indonesia's residential property price index has steadily increased in recent years. At the end of 2024, cities like Batam, Pontianak, Pekanbaru, and Samarinda saw the highest increases in property prices. This trend is not limited to primary properties, as the resale price index of second-hand houses has also shown consistent growth over the past few years.

Mortgage credit interest rate, percent in Hungary, June, 2025 The most recent value is 5.93 percent as of June 2025, an increase compared to the previous value of 5.79 percent. Historically, the average for Hungary from January 2000 to June 2025 is 9.21 percent. The minimum of 4.36 percent was recorded in January 2018, while the maximum of 22.44 percent was reached in January 2000. | TheGlobalEconomy.com

Mortgage credit interest rate, percent in Romania, August, 2025 The most recent value is 7.22 percent as of August 2025, an increase compared to the previous value of 6.46 percent. Historically, the average for Romania from January 2007 to August 2025 is 7.77 percent. The minimum of 4.2 percent was recorded in August 2021, while the maximum of 13.65 percent was reached in May 2010. | TheGlobalEconomy.com

Graph and download economic data for 30-Year Fixed Rate FHA Mortgage Index (OBMMIFHA30YF) from 2017-01-03 to 2025-12-01 about FHA, 30-year, mortgage, fixed, rate, indexes, and USA.

Mexico Interest Rates on Household Credit: Mortgage Rate: Minimum data was reported at 9.360 % pa in Mar 2025. This stayed constant from the previous number of 9.360 % pa for Feb 2025. Mexico Interest Rates on Household Credit: Mortgage Rate: Minimum data is updated monthly, averaging 10.150 % pa from Dec 2004 (Median) to Mar 2025, with 244 observations. The data reached an all-time high of 12.490 % pa in Jun 2005 and a record low of 7.000 % pa in Oct 2021. Mexico Interest Rates on Household Credit: Mortgage Rate: Minimum data remains active status in CEIC and is reported by Bank of Mexico. The data is categorized under Global Database’s Mexico – Table MX.M006: Household Credit Interest Rates.