The mortgage interest rate in Finland generally decreased between 2014 and 2022, followed by an increase. Factors that influence mortgage interest rates include inflation, economic growth, monetary policies, the bond market, the stability of lenders, and the overall conditions of the housing market. The mortgage interest rate in Finland decreased to its lowest value of **** percent in the fourth quarter of 2020 as part of an overall trend of falling mortgage interest rates in Europe. The mortgage interest rate has since risen to **** percent by the second quarter of 2024.

Among the factors that influence mortgage interest rates are inflation, economic growth, monetary policies, the bond market, lenders' stability, and the housing market's overall conditions. The mortgage interest rate in Romania fluctuated during the period under observation, with an upward trend from the second quarter of 2017 onwards. The first quarter of 2023 reached the highest value recorded — **** percent; by the fourth quarter of 2024, it dropped to **** percent.

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.

Snapshot img { margin: 10px !important; } About Housing Mortgage Mortgage is a debt instrument that the borrower is obliged to pay back with a fixed set of payments and is secured by the collateral of a specified real estate property. Mortgages enable individuals and businesses to make large real estate purchases without paying the entire value of the purchase in one go. Borrowers repay the loan along with interest over a period of many years until they eventually own the property free and clear. However, if borrowers stop paying the mortgage, the lender can foreclose and may evict the property’s owner and sell it, using the income from the sale to clear the mortgage debt. In a fixed-rate mortgage system, borrowers pay the same interest rate for the life of the loan. Most fixed-rate mortgages have a 15 or 30-year term. There is no influence on borrowers’ payment if market interest rates rise. However, if market interest rates decline significantly, borrowers may be able to secure that lower rate by means of refinancing the mortgage. TechNavio's analysts forecast the Housing Mortgage market in the US to grow at a CAGR of 1.75 percent over the period 2013-2018.Covered in this Report This report covers the present scenario and the growth prospects of the Housing Mortgage market in the US for the period 2014-2018. To calculate the market size, the report considers the loan volume of primary housing mortgage banks, credit unions, and financial institutions. It takes into consideration the various product segments such as Home Purchase, Home Improvement, and Refinancing. The report mentions the role played by Federal Government by the way of government-sponsored enterprises operating in the system. TechNavio's report, the Housing Mortgage Market in the US 2014-2018, has been prepared based on an in-depth market analysis with inputs from industry experts. The report covers the US; it also covers the landscape of the Housing Mortgage market in the US and its growth prospects in the coming years. The report also includes a discussion of the key vendors operating in this market.Key Regions • USKey Vendors • Bank of America • Citigroup • JPMorgan Chase • U.S. Bancorp • Wells FargoOther Prominent Vendors • Ally Financial • Capital One Financial • Fifth Third Bancorp • Flagstar Bank, FSB • SunTrust Banks • Quicken Loans • Regions FinancialMarket Driver • Improved Demand for Home Loans • For a full, detailed list, view our reportMarket Challenge • Shrinking Lending Capacity • For a full, detailed list, view our reportMarket Trend • Less Incidence of Foreclosures • For a full, detailed list, view our reportKey Questions Answered in this Report • What will the market size be in 2018 and what will the growth rate be? • What are the key market trends? • What is driving this market? • What are the challenges to market growth? • Who are the key vendors in this market space? • What are the market opportunities and threats faced by the key vendors? • What are the strengths and weaknesses of the key vendors?

The mortgage interest rate in France had been on a downward trend for nearly a decade, until it started to rise in 2022. In the first quarter of 2025, the interest rate amounted to *** percent, down from **** percent during the peak in the first quarter of the year. A similar trend can be observed across most European countries.

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.

In December 2024, the median interest rate of five-year fixed rate housing loans provided by city banks in Japan stood at **** percent. City banks are the largest banks in Japan.

In the year 2022, lending interest rate in India stood at *** percent. This was a slight reduction from last year's rate of *** percent. Lending rate refers to the bank rate that generally caters to the short- and medium- term financing needs of the private sector.

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.

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.

Lending Rate: Foreign Currencies Mortgage Loans: YB: NC: Republic of Dagestan data was reported at 10.670 % pa in Dec 2014. This records a decrease from the previous number of 10.890 % pa for Nov 2014. Lending Rate: Foreign Currencies Mortgage Loans: YB: NC: Republic of Dagestan data is updated monthly, averaging 10.295 % pa from Dec 2008 (Median) to Dec 2014, with 58 observations. The data reached an all-time high of 14.500 % pa in Sep 2009 and a record low of 9.400 % pa in Mar 2014. Lending Rate: Foreign Currencies Mortgage Loans: YB: NC: Republic of Dagestan data remains active status in CEIC and is reported by Bank of Russia. The data is categorized under Russia Premium Database’s Interest and Foreign Exchange Rates – Table RU.MB012: Lending Rate: Foreign Currencies Housing Loans: ow Mortgage: by Region: Average from Year Beginning.

In 2024, the average interest rate for new mortgage loans in South Korea stood at around **** percent, a decrease from the previous year's **** percent. The average interest rate for new mortgage loans in South Korea saw a nearly *** percentage point increase from 2020 to 2022.

Lending Rate: Foreign Currencies Mortgage Loans: YB: Quarterly: NC: Republic of Kabardino Balkaria data was reported at 8.230 % pa in Dec 2014. This records an increase from the previous number of 8.210 % pa for Sep 2014. Lending Rate: Foreign Currencies Mortgage Loans: YB: Quarterly: NC: Republic of Kabardino Balkaria data is updated quarterly, averaging 10.065 % pa from Sep 2006 (Median) to Dec 2014, with 28 observations. The data reached an all-time high of 12.400 % pa in Sep 2007 and a record low of 8.210 % pa in Sep 2014. Lending Rate: Foreign Currencies Mortgage Loans: YB: Quarterly: NC: Republic of Kabardino Balkaria data remains active status in CEIC and is reported by Bank of Russia. The data is categorized under Russia Premium Database’s Interest and Foreign Exchange Rates – Table RU.MB012: Lending Rate: Foreign Currencies Housing Loans: ow Mortgage: by Region: Average from Year Beginning.

The benchmark interest rate in Mexico was last recorded at 7.25 percent. This dataset provides - Mexico Interest Rate - actual values, historical data, forecast, chart, statistics, economic calendar and news.

The benchmark interest rate in Philippines was last recorded at 4.75 percent. This dataset provides the latest reported value for - Philippines Interest Rate - plus previous releases, historical high and low, short-term forecast and long-term prediction, economic calendar, survey consensus and news.

The mortgage interest rate in Germany decreased notably between 2013 and 2022, falling below *** percent. This was part of an overall trend of falling mortgage interest rates in Europe. The mortgage interest rate in Germany has since increased to *** percent in the first quarter of 2025. The German mortgage market In Europe, Germany is the second-largest mortgage market, with a total value of mortgages outstanding amounting to nearly *** trillion euros. Mortgage loans are one of the oldest bank products. Among the factors that influence mortgage interest rates are inflation, economic growth, monetary policies, the bond market, the stability of lenders, and the overall conditions of the housing market. Mortgage loans The higher cost of borrowing has a significant effect on the market: While the interest rates were at their lowest, mortgage lending was on the rise. In 2023, when the rates reached a 10-year-high, the quarterly gross mortgage lending fell to the lowest value since 2014. Meanwhile, house prices have also increased substantially in recent years. According to the House Price Index in Germany, between 2015 and 2024, house prices increased by nearly ** percent.

Lending Rate: Foreign Currencies Mortgage Loans: YB: Quarterly: CF: Tula Region data was reported at 8.030 % pa in Dec 2014. This records an increase from the previous number of 8.020 % pa for Sep 2014. Lending Rate: Foreign Currencies Mortgage Loans: YB: Quarterly: CF: Tula Region data is updated quarterly, averaging 10.165 % pa from Sep 2006 (Median) to Dec 2014, with 34 observations. The data reached an all-time high of 12.000 % pa in Mar 2009 and a record low of 8.020 % pa in Sep 2014. Lending Rate: Foreign Currencies Mortgage Loans: YB: Quarterly: CF: Tula Region data remains active status in CEIC and is reported by Bank of Russia. The data is categorized under Russia Premium Database’s Interest and Foreign Exchange Rates – Table RU.MB012: Lending Rate: Foreign Currencies Housing Loans: ow Mortgage: by Region: Average from Year Beginning.

Portugal - Housing cost overburden rate: Owner, no outstanding mortgage or housing loan was 2.00% in December of 2024, according to the EUROSTAT. Trading Economics provides the current actual value, an historical data chart and related indicators for Portugal - Housing cost overburden rate: Owner, no outstanding mortgage or housing loan - last updated from the EUROSTAT on November of 2025. Historically, Portugal - Housing cost overburden rate: Owner, no outstanding mortgage or housing loan reached a record high of 3.80% in December of 2014 and a record low of 1.00% in December of 2010.

Household savings concern two savings products that can be subscribed by natural persons: savings-housing accounts (CEL) and savings-housing plans (PEL).

CELs and PELs are characterised by a savings phase and then by possible access to housing savings loans, the rate conditions of which are fixed at subscription. At the end of the contract a State premium may be granted to the beneficiary.

The 2014 housing savings figures are available in the attached link.

Lending Rate: Foreign Currencies Mortgage Loans: YB: CF: Kaluga Region data was reported at 10.310 % pa in Dec 2014. This records a decrease from the previous number of 10.390 % pa for Nov 2014. Lending Rate: Foreign Currencies Mortgage Loans: YB: CF: Kaluga Region data is updated monthly, averaging 10.325 % pa from Dec 2008 (Median) to Dec 2014, with 72 observations. The data reached an all-time high of 14.370 % pa in Apr 2009 and a record low of 8.300 % pa in Jan 2011. Lending Rate: Foreign Currencies Mortgage Loans: YB: CF: Kaluga Region data remains active status in CEIC and is reported by Bank of Russia. The data is categorized under Russia Premium Database’s Interest and Foreign Exchange Rates – Table RU.MB012: Lending Rate: Foreign Currencies Housing Loans: ow Mortgage: by Region: Average from Year Beginning.