The benchmark interest rate in Canada was last recorded at 2.25 percent. This dataset provides - Canada Interest Rate - actual values, historical data, forecast, chart, statistics, economic calendar and news.

Key information about Canada Long Term Interest Rate

• Canada Government Benchmark Bonds Yield: Month End: 10 Years was reported at 3.12 % pa in Oct 2025, compared with 3.17 % pa in the previous month.
• Canada Long Term Interest Rate data is updated monthly, available from Jan 1993 to Oct 2025.
• The data reached an all-time high of 9.28 % pa in Jun 1994 and a record low of 0.46 % pa in Jul 2020.
• Long Term Interest Rate is reported by reported by Bank of Canada.

• In the latest reports, Canada Short Term Interest Rate: Month End: Treasury Bills Yield: 3 Months was reported at 2.21 % pa in Oct 2025.
• The cash rate (Policy Rate: Month End: Overnight Target Rate) was set at 2.25 % pa in Oct 2025.
• Canada Exchange Rate against USD averaged 1.40 (USD/CAD) in Oct 2025.

The benchmark interest rate in China was last recorded at 3 percent. This dataset provides the latest reported value for - China Interest Rate - plus previous releases, historical high and low, short-term forecast and long-term prediction, economic calendar, survey consensus and news.

Key information about Canada Short Term Interest Rate

• Canada Short Term Interest Rate: Month End: Treasury Bills Yield: 3 Months was reported at 2.21 % pa in Oct 2025, compared with 2.42 % pa in the previous month.
• Canada Short Term Interest Rate data is updated monthly, available from Jan 1993 to Oct 2025.
• The data reached an all-time high of 8.30 % pa in Mar 1995 and a record low of 0.06 % pa in Nov 2021.
• Short Term Interest Rate is reported by reported by Bank of Canada.

• In the latest reports, Canada Government Benchmark Bonds Yield: Month End: 10 Years was reported at 3.12 % pa in Oct 2025.
• The cash rate (Policy Rate: Month End: Overnight Target Rate) was set at 2.25 % pa in Oct 2025.
• Canada Exchange Rate against USD averaged 1.40 (USD/CAD) in Oct 2025.

Canada's inflation rate experienced significant fluctuations from 2018 to 2025. Inflation peaked at *** percent in June 2022 before steadily declining to *** percent by December 2024. In early 2025, inflation began to increase again, rising to *** percent in February and dropping to *** percent in March. In April 2025, inflation decreased to *** percent. In response to rising inflation between 2020 and 2022, the Bank of Canada implemented aggressive interest rate hikes. The bank rate reached a maximum of **** percent in July 2023 and remained stable until June 2024. As inflationary pressures eased in the second half of 2024, the central bank reduced interest rates to *** percent in December 2024. In 2025, the bank rate witnessed further cuts, standing at * percent in March 2025 and **** percent in September 2025. This pattern reflected broader global economic trends, with most advanced and emerging economies experiencing similar inflationary challenges and monetary policy adjustments. Global context of inflation and interest rates The Canadian experience aligns with the broader international trend of central banks raising policy rates to combat inflation. Between 2021 and 2023, nearly all advanced and emerging economies increased their central bank rates. However, a shift occurred in the latter half of 2024, with many countries, including Canada, beginning to lower rates. This change suggests a new phase in the global economic cycle and monetary policy approach. Notably, among surveyed countries, Russia maintained the highest interest rate in early 2025, while Japan had the lowest rate. Comparison with the United States The United States experienced a similar trajectory in inflation and interest rates. U.S. inflation peaked at *** percent in June 2022, slightly higher than Canada's peak. The Federal Reserve responded with a series of rate hikes, reaching **** percent in August 2023. This rate remained unchanged until September 2024, when the first cut since September 2021 was implemented. In contrast, Canada's bank rate peaked at **** percent and began decreasing earlier, with cuts in June and July 2024. These differences highlight the nuanced approaches of central banks in managing their respective economies amid global inflationary pressures.

Canada Conventional Mortgage: 5 Years: Weekly data was reported at 6.490 % pa in 07 May 2025. This stayed constant from the previous number of 6.490 % pa for 30 Apr 2025. Canada Conventional Mortgage: 5 Years: Weekly data is updated weekly, averaging 5.700 % pa from Jan 2000 (Median) to 07 May 2025, with 1323 observations. The data reached an all-time high of 8.750 % pa in 31 May 2000 and a record low of 4.640 % pa in 12 Jul 2017. Canada Conventional Mortgage: 5 Years: Weekly data remains active status in CEIC and is reported by Bank of Canada. The data is categorized under Global Database’s Canada – Table CA.M005: Conventional Mortgage Rate. [COVID-19-IMPACT]

Monthly and long-term Canada Interest Rate data: historical series and analyst forecasts curated by FocusEconomics.

Key information about China Policy Rate

• China cash rate (Policy Rate: Month End: China: 7 Day Reverse Repurchase Rate) was set at 1.40 % pa in Nov 2025, compared with 1.40 % pa in the previous Oct 2025.
• China Policy Rate averaged 2.55 % pa and is updated monthly, available from May 2012 to Nov 2025.
• The data reached an all-time high of 4.40 % pa in Jul 2013 and a record low of 1.40 % pa in Nov 2025.

• In the latest reports, China Short Term Interest Rate: Month End: SHIBOR: 3 Months was reported at 1.58 % pa in Nov 2025.
• Its Long Term Interest Rate (Treasury Bond Yield: Interbank: Spot Yield: 10 year) was reported at 1.86 % pa in Nov 2025.
• China Exchange Rate against USD averaged 7.12 (USD/RMB) in Oct 2025.
• Its Real Effective Exchange Rate was 130.02 in Oct 2025.

Bank Lending Rate in Canada decreased to 4.45 percent in November from 4.70 percent in October of 2025. This dataset provides - Canada Prime Lending Rate - actual values, historical data, forecast, chart, statistics, economic calendar and news.

China Central Bank Benchmark Interest Rate: Loan to FI: 6 Month or Less data was reported at 3.400 % pa in 03 Dec 2025. This stayed constant from the previous number of 3.400 % pa for 02 Dec 2025. China Central Bank Benchmark Interest Rate: Loan to FI: 6 Month or Less data is updated daily, averaging 3.400 % pa from Apr 1991 (Median) to 03 Dec 2025, with 12646 observations. The data reached an all-time high of 3.400 % pa in 03 Dec 2025 and a record low of 3.400 % pa in 03 Dec 2025. China Central Bank Benchmark Interest Rate: Loan to FI: 6 Month or Less data remains active status in CEIC and is reported by The People's Bank of China. The data is categorized under High Frequency Database’s Lending Rates – Table CN.MA: Rediscount and Lending Rate.

China Central Bank Benchmark Interest Rate: Loan to FI: 1 Year data was reported at 3.500 % pa in 02 Dec 2025. This stayed constant from the previous number of 3.500 % pa for 01 Dec 2025. China Central Bank Benchmark Interest Rate: Loan to FI: 1 Year data is updated daily, averaging 3.500 % pa from Jan 1987 (Median) to 02 Dec 2025, with 14216 observations. The data reached an all-time high of 3.500 % pa in 02 Dec 2025 and a record low of 3.500 % pa in 02 Dec 2025. China Central Bank Benchmark Interest Rate: Loan to FI: 1 Year data remains active status in CEIC and is reported by The People's Bank of China. The data is categorized under High Frequency Database’s Lending Rates – Table CN.MA: Rediscount and Lending Rate.

Discover the booming global housing mortgage market! This comprehensive analysis reveals a $15 trillion market in 2025, projected to reach $23 trillion by 2033, driven by urbanization, rising incomes, and Fintech innovation. Explore regional trends, key players, and future growth forecasts.

China Central Bank Benchmark Interest Rate: Reserve Requirement: Excess data was reported at 0.350 % pa in Nov 2025. This stayed constant from the previous number of 0.350 % pa for Oct 2025. China Central Bank Benchmark Interest Rate: Reserve Requirement: Excess data is updated monthly, averaging 0.990 % pa from Jan 1987 (Median) to Nov 2025, with 467 observations. The data reached an all-time high of 9.180 % pa in Apr 1996 and a record low of 0.350 % pa in Nov 2025. China Central Bank Benchmark Interest Rate: Reserve Requirement: Excess data remains active status in CEIC and is reported by The People's Bank of China. The data is categorized under China Premium Database’s Money Market, Interest Rate, Yield and Exchange Rate – Table CN.MA: Required Reserve Ratio .

Graph and download economic data for Interest Rates: Long-Term Government Bond Yields: 10-Year: Main (Including Benchmark) for Canada (IRLTLT01CAM156N) from Jan 1955 to Oct 2025 about long-term, Canada, 10-year, bonds, yield, government, interest rate, interest, and rate.

CN: Central Bank Benchmark Interest Rate: Loan to Fin Inst: Rural & Micro Supporting: 6 Month data was reported at 1.400 % pa in Nov 2025. This stayed constant from the previous number of 1.400 % pa for Oct 2025. CN: Central Bank Benchmark Interest Rate: Loan to Fin Inst: Rural & Micro Supporting: 6 Month data is updated monthly, averaging 1.900 % pa from Feb 2020 (Median) to Nov 2025, with 70 observations. The data reached an all-time high of 2.650 % pa in Feb 2020 and a record low of 1.400 % pa in Nov 2025. CN: Central Bank Benchmark Interest Rate: Loan to Fin Inst: Rural & Micro Supporting: 6 Month data remains active status in CEIC and is reported by The People's Bank of China. The data is categorized under China Premium Database’s Money Market, Interest Rate, Yield and Exchange Rate – Table CN.MA: Rediscount and Lending Rate.

Rates have been trending downward in Canada for the last five years. The ebbs and flows are caused by changes in Canada’s bond yields (driven by Canadians economic developments and international rate movements, particularly U.S. rate fluctuations) and the overnight rate (which is set by the Bank of Canada). As of August 2022, there has been a 225 bps increase in the prime rate, since beginning of year 2022, from 2.45% to 4.70% as of Aug 24th 2022. The following are the historical conventional mortgage rates offered by the 6 major chartered banks in Canada in the past 20 years.

Evaluate Canada’s best mortgage rates in one place. RATESDOTCA’s Rate Matrix lets you compare pricing for all key mortgage types and terms. Rates are based on an average mortgage of $300,000

The North America mortgage/loan broker market exhibits robust growth potential, projected to reach a substantial market size. While the exact 2025 market size ("XX") isn't specified, considering a typical CAGR of 5.00% and industry trends, a reasonable estimate for the 2025 market value could be placed between $150 billion and $200 billion (in USD). This significant value reflects the increasing complexity of the mortgage market, driving demand for expert brokerage services. The market's expansion is fueled by several key drivers, including rising home prices, low interest rates (historically), increasing consumer demand for personalized financial advice, and the expanding adoption of digital mortgage platforms. Emerging trends such as fintech integration, AI-powered lending solutions, and a heightened focus on customer experience are further shaping the competitive landscape. However, regulatory changes and economic uncertainties present potential restraints, impacting the overall market growth. The market is segmented by various factors such as loan type (conventional, FHA, VA), loan size, and borrower demographics. Key players like PennyMac, Home Point, Caliber Home Loans, Fairway Independent Corporation, JP Morgan Chase, Royal Bank of Canada, Flagstar Bank, PNC Bank, Ally, and New American Funding (among others) are actively competing in this dynamic market, employing various strategies to attract and retain clients. The forecast period (2025-2033) presents opportunities for significant expansion driven by consistent technological advancements and a growing preference for expert guidance in navigating the mortgage process. The projected 5.00% CAGR from 2025 to 2033 indicates a steady and sustained growth trajectory for the North American mortgage/loan broker market. This growth is expected to be driven by an increasingly complex regulatory environment and the need for personalized financial advice for both first-time homebuyers and experienced investors. Furthermore, an aging population, coupled with the desire for homeownership, is expected to fuel demand for mortgage brokerage services. Companies are continuously adapting their business models to incorporate technological advancements and optimize customer experience, leading to increased efficiency and market penetration. Competition is intense, with established players and new entrants vying for market share. Strategies focused on providing personalized service, leveraging technology, and building strong client relationships will be crucial for achieving success in this competitive landscape. Notable trends are: Increase in Digitization in Lending and Blockchain Technology is driving the market.

This analysis presents a rigorous exploration of financial data, incorporating a diverse range of statistical features. By providing a robust foundation, it facilitates advanced research and innovative modeling techniques within the field of finance.

Royal Bank of Canada (RY) Stock Outlook: What Investors Need to Know

Financial data:

• Historical daily stock prices (open, high, low, close, volume)

• Fundamental data (e.g., market capitalization, price to earnings P/E ratio, dividend yield, earnings per share EPS, price to earnings growth, debt-to-equity ratio, price-to-book ratio, current ratio, free cash flow, projected earnings growth, return on equity, dividend payout ratio, price to sales ratio, credit rating)

• Technical indicators (e.g., moving averages, RSI, MACD, average directional index, aroon oscillator, stochastic oscillator, on-balance volume, accumulation/distribution A/D line, parabolic SAR indicator, bollinger bands indicators, fibonacci, williams percent range, commodity channel index)

Machine learning features:

• Feature engineering based on financial data and technical indicators

• Sentiment analysis data from social media and news articles

• Macroeconomic data (e.g., GDP, unemployment rate, interest rates, consumer spending, building permits, consumer confidence, inflation, producer price index, money supply, home sales, retail sales, bond yields)

Potential Applications:

• Stock price prediction

• Portfolio optimization

• Algorithmic trading

• Market sentiment analysis

• Risk management

Use Cases:

• Researchers investigating the effectiveness of machine learning in stock market prediction

• Analysts developing quantitative trading Buy/Sell strategies

• Individuals interested in building their own stock market prediction models

• Students learning about machine learning and financial applications

Additional Notes:

• The dataset may include different levels of granularity (e.g., daily, hourly)

• Data cleaning and preprocessing are essential before model training

• Regular updates are recommended to maintain the accuracy and relevance of the data

The industry closely follows global economic performance since demand for loans is heavily influenced by business and consumer confidence, as well as the level of activity that requires financing. The strong global economic performance, fueled by the United States and emerging markets such as China and Southeast Asia, is expected to improve from increased aggregate private investment, which has supported loan origination. However, elevated interest rates during the period limited loan demand, although higher interest rates enabled global commercial banks to generate greater interest income on loans originated. Overall, global commercial banks' revenue has grown at a CAGR of 4.3% to $3,862.4 billion over the past five years, including an expected decrease of 0.5% in 2025 alone. Also, industry profit has grown substantially during the period and will account for 45.8% in the current year. Strong performance in the United States and China for most of the last five years has bolstered economic activity. The growth in interest rates throughout the period has limited loan originations, although businesses have maintained demand for loans to expand and improve operational efficiencies. The high interest rate environment has boosted industry profit, supporting efforts by major players to consolidate operations. The interest rate environment has reversed in the latter part of the period as the Fed and other central banks have slashed rates, which has increased demand for loans such as business loans and mortgages. With rates being cut, industry profit growth is anticipated to slow. Industry revenue is expected to grow as the global economy continues to expand and economic volatility is anticipated to fade. In addition, interest rates are expected to be cut further at the onset of the outlook period if inflation continues to ease. Strong economic performance in emerging markets is anticipated to foment growth of commercial banking activity in various countries and aid faster revenue growth over the next five years. But geopolitical tensions are expected to pose a threat to growth. Global commercial banks' revenue is expected to climb at a CAGR of 1.7% to $4,202.0 billion over the five years to 2030.