65 datasets found
  1. Average mortgage interest rates in the UK 2000-2025, by month and type

    • statista.com
    Updated Jun 24, 2025
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    Statista (2025). Average mortgage interest rates in the UK 2000-2025, by month and type [Dataset]. https://www.statista.com/statistics/386301/uk-average-mortgage-interest-rates/
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    Dataset updated
    Jun 24, 2025
    Dataset authored and provided by
    Statistahttp://statista.com/
    Time period covered
    Jan 2000 - May 2025
    Area covered
    United Kingdom
    Description

    Mortgage rates increased at a record pace in 2022, with the 10-year fixed mortgage rate doubling between March 2022 and December 2022. With inflation increasing, the Bank of England introduced several bank rate hikes, resulting in higher mortgage rates. In May 2025, the average 10-year fixed rate interest rate reached **** percent. As borrowing costs get higher, demand for housing is expected to decrease, leading to declining market sentiment and slower house price growth. How have the mortgage hikes affected the market? After surging in 2021, the number of residential properties sold declined in 2023, reaching just above *** million. Despite the number of transactions falling, this figure was higher than the period before the COVID-19 pandemic. The falling transaction volume also impacted mortgage borrowing. Between the first quarter of 2023 and the first quarter of 2024, the value of new mortgage loans fell year-on-year for five straight quarters in a row. How are higher mortgages affecting homebuyers? Homeowners with a mortgage loan usually lock in a fixed rate deal for two to ten years, meaning that after this period runs out, they need to renegotiate the terms of the loan. Many of the mortgages outstanding were taken out during the period of record-low mortgage rates and have since faced notable increases in their monthly repayment. About **** million homeowners are projected to see their deal expire by the end of 2026. About *** million of these loans are projected to experience a monthly payment increase of up to *** British pounds by 2026.

  2. Monthly bank rate in the UK 2012-2025

    • statista.com
    • ai-chatbox.pro
    Updated Jun 23, 2025
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    Statista (2025). Monthly bank rate in the UK 2012-2025 [Dataset]. https://www.statista.com/statistics/889792/united-kingdom-uk-bank-base-rate/
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    Dataset updated
    Jun 23, 2025
    Dataset authored and provided by
    Statistahttp://statista.com/
    Time period covered
    Jan 2012 - Apr 2025
    Area covered
    United Kingdom
    Description

    August 2024 marked a significant shift in the UK's monetary policy, as it saw the first reduction in the official bank base interest rate since August 2023. This change came after a period of consistent rate hikes that began in late 2021. In a bid to minimize the economic effects of the COVID-19 pandemic, the Bank of England cut the official bank base rate in March 2020 to a record low of *** percent. This historic low came just one week after the Bank of England cut rates from **** percent to **** percent in a bid to prevent mass job cuts in the United Kingdom. It remained at *** percent until December 2021 and was increased to one percent in May 2022 and to **** percent in October 2022. After that, the bank rate increased almost on a monthly basis, reaching **** percent in August 2023. It wasn't until August 2024 that the first rate decrease since the previous year occurred, signaling a potential shift in monetary policy. Why do central banks adjust interest rates? Central banks, including the Bank of England, adjust interest rates to manage economic stability and control inflation. Their strategies involve a delicate balance between two main approaches. When central banks raise interest rates, their goal is to cool down an overheated economy. Higher rates curb excessive spending and borrowing, which helps to prevent runaway inflation. This approach is typically used when the economy is growing too quickly or when inflation is rising above desired levels. Conversely, when central banks lower interest rates, they aim to encourage borrowing and investment. This strategy is employed to stimulate economic growth during periods of slowdown or recession. Lower rates make it cheaper for businesses and individuals to borrow money, which can lead to increased spending and investment. This dual approach allows central banks to maintain a balance between promoting growth and controlling inflation, ensuring long-term economic stability. Additionally, adjusting interest rates can influence currency values, impacting international trade and investment flows, further underscoring their critical role in a nation's economic health. Recent interest rate trends Between 2021 and 2024, most advanced and emerging economies experienced a period of regular interest rate hikes. This trend was driven by several factors, including persistent supply chain disruptions, high energy prices, and robust demand pressures. These elements combined to create significant inflationary trends, prompting central banks to raise rates in an effort to temper spending and borrowing. However, in 2024, a shift began to occur in global monetary policy. The European Central Bank (ECB) was among the first major central banks to reverse this trend by cutting interest rates. This move signaled a change in approach aimed at addressing growing economic slowdowns and supporting growth.

  3. F

    15-Year Fixed Rate Mortgage Average in the United States

    • fred.stlouisfed.org
    json
    Updated Jul 10, 2025
    + more versions
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    (2025). 15-Year Fixed Rate Mortgage Average in the United States [Dataset]. https://fred.stlouisfed.org/series/MORTGAGE15US
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    jsonAvailable download formats
    Dataset updated
    Jul 10, 2025
    License

    https://fred.stlouisfed.org/legal/#copyright-citation-requiredhttps://fred.stlouisfed.org/legal/#copyright-citation-required

    Area covered
    United States
    Description

    Graph and download economic data for 15-Year Fixed Rate Mortgage Average in the United States (MORTGAGE15US) from 1991-08-30 to 2025-07-10 about 15-year, fixed, mortgage, interest rate, interest, rate, and USA.

  4. T

    United States Fed Funds Interest Rate

    • tradingeconomics.com
    • ko.tradingeconomics.com
    • +13more
    csv, excel, json, xml
    Updated Jul 10, 2025
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    TRADING ECONOMICS (2025). United States Fed Funds Interest Rate [Dataset]. https://tradingeconomics.com/united-states/interest-rate
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    xml, excel, json, csvAvailable download formats
    Dataset updated
    Jul 10, 2025
    Dataset authored and provided by
    TRADING ECONOMICS
    License

    Attribution 4.0 (CC BY 4.0)https://creativecommons.org/licenses/by/4.0/
    License information was derived automatically

    Time period covered
    Aug 4, 1971 - Jun 18, 2025
    Area covered
    United States
    Description

    The benchmark interest rate in the United States was last recorded at 4.50 percent. This dataset provides the latest reported value for - United States Fed Funds Rate - plus previous releases, historical high and low, short-term forecast and long-term prediction, economic calendar, survey consensus and news.

  5. T

    United States 30-Year Mortgage Rate

    • tradingeconomics.com
    • pt.tradingeconomics.com
    • +13more
    csv, excel, json, xml
    Updated Jul 10, 2025
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    TRADING ECONOMICS (2025). United States 30-Year Mortgage Rate [Dataset]. https://tradingeconomics.com/united-states/30-year-mortgage-rate
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    csv, json, xml, excelAvailable download formats
    Dataset updated
    Jul 10, 2025
    Dataset authored and provided by
    TRADING ECONOMICS
    License

    Attribution 4.0 (CC BY 4.0)https://creativecommons.org/licenses/by/4.0/
    License information was derived automatically

    Time period covered
    Apr 1, 1971 - Jul 10, 2025
    Area covered
    United States
    Description

    30 Year Mortgage Rate in the United States increased to 6.72 percent in July 10 from 6.67 percent in the previous week. This dataset includes a chart with historical data for the United States 30 Year Mortgage Rate.

  6. Monthly inflation rate and Federal Reserve interest rate in the U.S....

    • statista.com
    • ai-chatbox.pro
    Updated Jun 23, 2025
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    Statista (2025). Monthly inflation rate and Federal Reserve interest rate in the U.S. 2018-2025 [Dataset]. https://www.statista.com/statistics/1312060/us-inflation-rate-federal-reserve-interest-rate-monthly/
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    Dataset updated
    Jun 23, 2025
    Dataset authored and provided by
    Statistahttp://statista.com/
    Time period covered
    Jan 2018 - Mar 2024
    Area covered
    United States
    Description

    The inflation rate in the United States declined significantly between June 2022 and May 2025, despite rising inflationary pressures towards the end of 2024. The peak inflation rate was recorded in June 2022, at *** percent. In August 2023, the Federal Reserve's interest rate hit its highest level during the observed period, at **** percent, and remained unchanged until September 2024, when the Federal Reserve implemented its first rate cut since September 2021. By January 2025, the rate dropped to **** percent, signalling a shift in monetary policy. What is the Federal Reserve interest rate? The Federal Reserve interest rate, or the federal funds rate, is the rate at which banks and credit unions lend to and borrow from each other. It is one of the Federal Reserve's key tools for maintaining strong employment rates, stable prices, and reasonable interest rates. The rate is determined by the Federal Reserve and adjusted eight times a year, though it can be changed through emergency meetings during times of crisis. The Fed doesn't directly control the interest rate but sets a target rate. It then uses open market operations to influence rates toward this target. Ways of measuring inflation Inflation is typically measured using several methods, with the most common being the Consumer Price Index (CPI). The CPI tracks the price of a fixed basket of goods and services over time, providing a measure of the price changes consumers face. At the end of 2023, the CPI in the United States was ****** percent, up from ****** a year earlier. A more business-focused measure is the producer price index (PPI), which represents the costs of firms.

  7. Inflation rate and central bank interest rate 2025, by selected countries

    • statista.com
    • ai-chatbox.pro
    Updated Jul 2, 2025
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    Statista (2025). Inflation rate and central bank interest rate 2025, by selected countries [Dataset]. https://www.statista.com/statistics/1317878/inflation-rate-interest-rate-by-country/
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    Dataset updated
    Jul 2, 2025
    Dataset authored and provided by
    Statistahttp://statista.com/
    Time period covered
    May 2025
    Area covered
    Worldwide
    Description

    In May 2025, global inflation rates and central bank interest rates showed significant variation across major economies. Most economies initiated interest rate cuts from mid-2024 due to declining inflationary pressures. The U.S., UK, and EU central banks followed a consistent pattern of regular rate reductions throughout late 2024. In early 2025, Russia maintained the highest interest rate at 20 percent, while Japan retained the lowest at 0.5 percent. Varied inflation rates across major economies The inflation landscape varies considerably among major economies. China had the lowest inflation rate at -0.1 percent in May 2025. In contrast, Russia maintained a high inflation rate of 9.9 percent. These figures align with broader trends observed in early 2025, where China had the lowest inflation rate among major developed and emerging economies, while Russia's rate remained the highest. Central bank responses and economic indicators Central banks globally implemented aggressive rate hikes throughout 2022-23 to combat inflation. The European Central Bank exemplified this trend, raising rates from 0 percent in January 2022 to 4.5 percent by September 2023. A coordinated shift among major central banks began in mid-2024, with the ECB, Bank of England, and Federal Reserve initiating rate cuts, with forecasts suggesting further cuts through 2025 and 2026.

  8. T

    Mexico Interest Rate

    • tradingeconomics.com
    • fr.tradingeconomics.com
    • +13more
    csv, excel, json, xml
    Updated Jun 26, 2025
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    TRADING ECONOMICS (2025). Mexico Interest Rate [Dataset]. https://tradingeconomics.com/mexico/interest-rate
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    excel, json, csv, xmlAvailable download formats
    Dataset updated
    Jun 26, 2025
    Dataset authored and provided by
    TRADING ECONOMICS
    License

    Attribution 4.0 (CC BY 4.0)https://creativecommons.org/licenses/by/4.0/
    License information was derived automatically

    Time period covered
    Oct 14, 2005 - Jun 26, 2025
    Area covered
    Mexico
    Description

    The benchmark interest rate in Mexico was last recorded at 8 percent. This dataset provides - Mexico Interest Rate - actual values, historical data, forecast, chart, statistics, economic calendar and news.

  9. T

    Canada Interest Rate

    • tradingeconomics.com
    • ko.tradingeconomics.com
    • +13more
    csv, excel, json, xml
    Updated Jun 4, 2025
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    TRADING ECONOMICS (2025). Canada Interest Rate [Dataset]. https://tradingeconomics.com/canada/interest-rate
    Explore at:
    csv, xml, json, excelAvailable download formats
    Dataset updated
    Jun 4, 2025
    Dataset authored and provided by
    TRADING ECONOMICS
    License

    Attribution 4.0 (CC BY 4.0)https://creativecommons.org/licenses/by/4.0/
    License information was derived automatically

    Time period covered
    Feb 7, 1990 - Jun 4, 2025
    Area covered
    Canada
    Description

    The benchmark interest rate in Canada was last recorded at 2.75 percent. This dataset provides - Canada Interest Rate - actual values, historical data, forecast, chart, statistics, economic calendar and news.

  10. F

    30-Year Fixed Rate FHA Mortgage Index

    • fred.stlouisfed.org
    json
    Updated Jul 11, 2025
    + more versions
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    (2025). 30-Year Fixed Rate FHA Mortgage Index [Dataset]. https://fred.stlouisfed.org/series/OBMMIFHA30YF
    Explore at:
    jsonAvailable download formats
    Dataset updated
    Jul 11, 2025
    License

    https://fred.stlouisfed.org/legal/#copyright-citation-requiredhttps://fred.stlouisfed.org/legal/#copyright-citation-required

    Description

    Graph and download economic data for 30-Year Fixed Rate FHA Mortgage Index (OBMMIFHA30YF) from 2017-01-03 to 2025-07-10 about FHA, 30-year, fixed, mortgage, rate, indexes, and USA.

  11. B

    Bangladesh Weighted Average Interest Rate: Schedule Banks: Advances

    • ceicdata.com
    Updated Feb 15, 2025
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    CEICdata.com (2025). Bangladesh Weighted Average Interest Rate: Schedule Banks: Advances [Dataset]. https://www.ceicdata.com/en/bangladesh/interest-and-lending-rate/weighted-average-interest-rate-schedule-banks-advances
    Explore at:
    Dataset updated
    Feb 15, 2025
    Dataset provided by
    CEICdata.com
    License

    Attribution 4.0 (CC BY 4.0)https://creativecommons.org/licenses/by/4.0/
    License information was derived automatically

    Time period covered
    Mar 1, 2024 - Feb 1, 2025
    Area covered
    Bangladesh
    Variables measured
    Lending Rate
    Description

    Bangladesh Weighted Average Interest Rate: Schedule Banks: Advances data was reported at 12.040 % pa in Mar 2025. This records an increase from the previous number of 11.920 % pa for Feb 2025. Bangladesh Weighted Average Interest Rate: Schedule Banks: Advances data is updated monthly, averaging 10.530 % pa from Jul 2009 (Median) to Mar 2025, with 189 observations. The data reached an all-time high of 13.950 % pa in Oct 2012 and a record low of 7.080 % pa in May 2022. Bangladesh Weighted Average Interest Rate: Schedule Banks: Advances data remains active status in CEIC and is reported by Bangladesh Bank. The data is categorized under Global Database’s Bangladesh – Table BD.M001: Interest and Lending Rate. It is the weighted average of lending rates for Bangladesh’s commercial banking system as a whole, as published by Bangladesh Bank. Lending Rate is the maximum rate charged by scheduled banks on loans and advances for agricultural production including forestry and fishing.

  12. C

    Costa Rica Mortgage credit interest rate, percent, March, 2025 - data, chart...

    • theglobaleconomy.com
    csv, excel, xml
    Updated Aug 4, 2024
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    Globalen LLC (2024). Costa Rica Mortgage credit interest rate, percent, March, 2025 - data, chart | TheGlobalEconomy.com [Dataset]. www.theglobaleconomy.com/Costa-Rica/mortgage_interest_rate/
    Explore at:
    csv, xml, excelAvailable download formats
    Dataset updated
    Aug 4, 2024
    Dataset authored and provided by
    Globalen LLC
    License

    Attribution 4.0 (CC BY 4.0)https://creativecommons.org/licenses/by/4.0/
    License information was derived automatically

    Time period covered
    Dec 31, 2001 - Mar 31, 2025
    Area covered
    Costa Rica
    Description

    Mortgage credit interest rate, percent in Costa Rica, March, 2025 The most recent value is 7.61 percent as of March 2025, a decline compared to the previous value of 7.69 percent. Historically, the average for Costa Rica from December 2001 to March 2025 is 13.66 percent. The minimum of 6.11 percent was recorded in May 2022, while the maximum of 26.28 percent was reached in August 2002. | TheGlobalEconomy.com

  13. F

    30-Year Fixed Rate Veterans Affairs Mortgage Index

    • fred.stlouisfed.org
    json
    Updated Jul 11, 2025
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    (2025). 30-Year Fixed Rate Veterans Affairs Mortgage Index [Dataset]. https://fred.stlouisfed.org/series/OBMMIVA30YF
    Explore at:
    jsonAvailable download formats
    Dataset updated
    Jul 11, 2025
    License

    https://fred.stlouisfed.org/legal/#copyright-citation-requiredhttps://fred.stlouisfed.org/legal/#copyright-citation-required

    Description

    Graph and download economic data for 30-Year Fixed Rate Veterans Affairs Mortgage Index (OBMMIVA30YF) from 2017-01-03 to 2025-07-10 about veterans, 30-year, fixed, mortgage, rate, indexes, and USA.

  14. T

    Indonesia Interest Rate

    • tradingeconomics.com
    • fr.tradingeconomics.com
    • +13more
    csv, excel, json, xml
    Updated May 21, 2025
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    TRADING ECONOMICS (2025). Indonesia Interest Rate [Dataset]. https://tradingeconomics.com/indonesia/interest-rate
    Explore at:
    excel, json, csv, xmlAvailable download formats
    Dataset updated
    May 21, 2025
    Dataset authored and provided by
    TRADING ECONOMICS
    License

    Attribution 4.0 (CC BY 4.0)https://creativecommons.org/licenses/by/4.0/
    License information was derived automatically

    Time period covered
    Nov 1, 2005 - Jun 18, 2025
    Area covered
    Indonesia
    Description

    The benchmark interest rate in Indonesia was last recorded at 5.50 percent. This dataset provides - Indonesia Interest Rate - actual values, historical data, forecast, chart, statistics, economic calendar and news.

  15. T

    Poland Interest Rate

    • tradingeconomics.com
    • fa.tradingeconomics.com
    • +13more
    csv, excel, json, xml
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    TRADING ECONOMICS, Poland Interest Rate [Dataset]. https://tradingeconomics.com/poland/interest-rate
    Explore at:
    excel, xml, csv, jsonAvailable download formats
    Dataset authored and provided by
    TRADING ECONOMICS
    License

    Attribution 4.0 (CC BY 4.0)https://creativecommons.org/licenses/by/4.0/
    License information was derived automatically

    Time period covered
    Feb 26, 1998 - Jul 2, 2025
    Area covered
    Poland
    Description

    The benchmark interest rate in Poland was last recorded at 5 percent. This dataset provides - Poland Interest Rate - actual values, historical data, forecast, chart, statistics, economic calendar and news.

  16. I

    Indonesia Third Party Funds: Weighted Average Rupiah Interest Rate: Term...

    • ceicdata.com
    Updated Apr 29, 2023
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    CEICdata.com (2023). Indonesia Third Party Funds: Weighted Average Rupiah Interest Rate: Term Deposits (1 month) [Dataset]. https://www.ceicdata.com/en/indonesia/financial-system-statistics-banking-sector/third-party-funds-weighted-average-rupiah-interest-rate-term-deposits-1-month
    Explore at:
    Dataset updated
    Apr 29, 2023
    Dataset provided by
    CEICdata.com
    License

    Attribution 4.0 (CC BY 4.0)https://creativecommons.org/licenses/by/4.0/
    License information was derived automatically

    Time period covered
    Dec 1, 2023 - Nov 1, 2024
    Area covered
    Indonesia
    Description

    Indonesia Third Party Funds: Weighted Average Rupiah Interest Rate: Term Deposits (1 month) data was reported at 4.917 % in Dec 2024. This records an increase from the previous number of 4.775 % for Nov 2024. Indonesia Third Party Funds: Weighted Average Rupiah Interest Rate: Term Deposits (1 month) data is updated monthly, averaging 5.769 % from Jan 2014 (Median) to Dec 2024, with 132 observations. The data reached an all-time high of 8.635 % in Feb 2015 and a record low of 2.793 % in May 2022. Indonesia Third Party Funds: Weighted Average Rupiah Interest Rate: Term Deposits (1 month) data remains active status in CEIC and is reported by Bank Indonesia. The data is categorized under Indonesia Premium Database’s Monetary – Table ID.KAI012: Financial System Statistics: Banking Sector.

  17. Monthly car loan rates in the U.S. 2014-2025

    • statista.com
    Updated Jun 10, 2025
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    Statista (2025). Monthly car loan rates in the U.S. 2014-2025 [Dataset]. https://www.statista.com/statistics/290673/auto-loan-rates-usa/
    Explore at:
    Dataset updated
    Jun 10, 2025
    Dataset authored and provided by
    Statistahttp://statista.com/
    Time period covered
    Jan 2014 - May 2025
    Area covered
    United States
    Description

    Car loan interest rates in the United States decreased since mid-2024. Thus, the period of rapidly rising interest rates, when they increased from 3.85 percent in December 2021 to 7.91 percent in February 2024, has come to an end. The Federal Reserve interest rate is one of the main causes of the interest rates of loans rising or falling. If inflation stays under control, the Federal Reserve will start cutting the interest rates, which would have the effect of the cost of car loans falling too. How many cars have financing in the United States? Car financing exists because not everyone who wants or needs a car can purchase it outright. A financial institution will then lend the money to the customer for purchasing the car, which must then be repaid with interest. Most new vehicles in the United States in 2024 were purchased using car loans. It is not as common to use car loans for purchasing used vehicles as for new ones, although over a third of used vehicles were purchased using loans. The car industry in the United States The car financing business is huge in the United States, due to the high sales of both new and used vehicles in the country. A lot of the United States is very car-centric, which means that, outside large cities, it can often be difficult to do their daily commutes through other transportation methods. In fact, only a small percentage of U.S. workers used public transport to go to work. That is one of the factors that has helped establish the importance of the automotive sector in North America. Nevertheless, there are still countries in Asia-Pacific, Africa, the Middle East, and Europe with higher car-ownership rates than the United States.

  18. T

    Brazil Interest Rate

    • tradingeconomics.com
    • tr.tradingeconomics.com
    • +13more
    csv, excel, json, xml
    Updated Jun 18, 2025
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    TRADING ECONOMICS (2025). Brazil Interest Rate [Dataset]. https://tradingeconomics.com/brazil/interest-rate
    Explore at:
    xml, json, csv, excelAvailable download formats
    Dataset updated
    Jun 18, 2025
    Dataset authored and provided by
    TRADING ECONOMICS
    License

    Attribution 4.0 (CC BY 4.0)https://creativecommons.org/licenses/by/4.0/
    License information was derived automatically

    Time period covered
    Mar 5, 1999 - Jun 18, 2025
    Area covered
    Brazil
    Description

    The benchmark interest rate in Brazil was last recorded at 15 percent. This dataset provides - Brazil Interest Rate - actual values, historical data, forecast, chart, statistics, economic calendar and news.

  19. F

    Commercial Bank Interest Rate on Credit Card Plans, All Accounts

    • fred.stlouisfed.org
    json
    Updated Jul 8, 2025
    + more versions
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    (2025). Commercial Bank Interest Rate on Credit Card Plans, All Accounts [Dataset]. https://fred.stlouisfed.org/series/TERMCBCCALLNS
    Explore at:
    jsonAvailable download formats
    Dataset updated
    Jul 8, 2025
    License

    https://fred.stlouisfed.org/legal/#copyright-public-domainhttps://fred.stlouisfed.org/legal/#copyright-public-domain

    Description

    Graph and download economic data for Commercial Bank Interest Rate on Credit Card Plans, All Accounts (TERMCBCCALLNS) from Nov 1994 to May 2025 about consumer credit, credit cards, loans, consumer, interest rate, banks, interest, depository institutions, rate, and USA.

  20. F

    Daily Sterling Overnight Index Average (SONIA) Rate

    • fred.stlouisfed.org
    json
    Updated Jul 11, 2025
    + more versions
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    (2025). Daily Sterling Overnight Index Average (SONIA) Rate [Dataset]. https://fred.stlouisfed.org/series/IUDSOIA
    Explore at:
    jsonAvailable download formats
    Dataset updated
    Jul 11, 2025
    License

    https://fred.stlouisfed.org/legal/#copyright-citation-requiredhttps://fred.stlouisfed.org/legal/#copyright-citation-required

    Description

    Graph and download economic data for Daily Sterling Overnight Index Average (SONIA) Rate (IUDSOIA) from 1997-01-02 to 2025-07-09 about sonia, Sterling, overnight, average, interest rate, interest, rate, and indexes.

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Statista (2025). Average mortgage interest rates in the UK 2000-2025, by month and type [Dataset]. https://www.statista.com/statistics/386301/uk-average-mortgage-interest-rates/
Organization logo

Average mortgage interest rates in the UK 2000-2025, by month and type

Explore at:
Dataset updated
Jun 24, 2025
Dataset authored and provided by
Statistahttp://statista.com/
Time period covered
Jan 2000 - May 2025
Area covered
United Kingdom
Description

Mortgage rates increased at a record pace in 2022, with the 10-year fixed mortgage rate doubling between March 2022 and December 2022. With inflation increasing, the Bank of England introduced several bank rate hikes, resulting in higher mortgage rates. In May 2025, the average 10-year fixed rate interest rate reached **** percent. As borrowing costs get higher, demand for housing is expected to decrease, leading to declining market sentiment and slower house price growth. How have the mortgage hikes affected the market? After surging in 2021, the number of residential properties sold declined in 2023, reaching just above *** million. Despite the number of transactions falling, this figure was higher than the period before the COVID-19 pandemic. The falling transaction volume also impacted mortgage borrowing. Between the first quarter of 2023 and the first quarter of 2024, the value of new mortgage loans fell year-on-year for five straight quarters in a row. How are higher mortgages affecting homebuyers? Homeowners with a mortgage loan usually lock in a fixed rate deal for two to ten years, meaning that after this period runs out, they need to renegotiate the terms of the loan. Many of the mortgages outstanding were taken out during the period of record-low mortgage rates and have since faced notable increases in their monthly repayment. About **** million homeowners are projected to see their deal expire by the end of 2026. About *** million of these loans are projected to experience a monthly payment increase of up to *** British pounds by 2026.

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