China Lending Rate: Weighted Average: Individual Housing Loan data was reported at 3.090 % pa in Dec 2024. This records a decrease from the previous number of 3.310 % pa for Sep 2024. China Lending Rate: Weighted Average: Individual Housing Loan data is updated quarterly, averaging 5.395 % pa from Mar 2009 (Median) to Dec 2024, with 64 observations. The data reached an all-time high of 7.620 % pa in Dec 2011 and a record low of 3.090 % pa in Dec 2024. China Lending Rate: Weighted Average: Individual Housing Loan 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.

The 10-year treasury constant maturity rate in the U.S. is forecast to increase by *** percentage points by 2027, while the 30-year fixed mortgage rate is expected to fall by *** percentage points. From *** percent in 2024, the average 30-year mortgage rate is projected to reach *** percent in 2027.

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.

Following the drastic increase directly after the COVID-19 pandemic, the delinquency rate started to gradually decline, falling below *** percent in the second quarter of 2023. In the second half of 2023, the delinquency rate picked up, but remained stable throughout 2024. In the first quarter of 2025, **** percent of mortgage loans were delinquent. That was significantly lower than the **** percent during the onset of the COVID-19 pandemic in 2020 or the peak of *** percent during the subprime mortgage crisis of 2007-2010. What does the mortgage delinquency rate tell us? The mortgage delinquency rate is the share of the total number of mortgaged home loans in the U.S. where payment is overdue by 30 days or more. Many borrowers eventually manage to service their loan, though, as indicated by the markedly lower foreclosure rates. Total home mortgage debt in the U.S. stood at almost ** trillion U.S. dollars in 2024. Not all mortgage loans are made equal ‘Subprime’ loans, being targeted at high-risk borrowers and generally coupled with higher interest rates to compensate for the risk. These loans have far higher delinquency rates than conventional loans. Defaulting on such loans was one of the triggers for the 2007-2010 financial crisis, with subprime delinquency rates reaching almost ** percent around this time. These higher delinquency rates translate into higher foreclosure rates, which peaked at just under ** percent of all subprime mortgages in 2011.

Kosovo Lending Rate: NB: Households: Mortgage Loans: Over 10 Years data was reported at 4.516 % pa in Mar 2025. This records a decrease from the previous number of 5.092 % pa for Feb 2025. Kosovo Lending Rate: NB: Households: Mortgage Loans: Over 10 Years data is updated monthly, averaging 5.102 % pa from Jun 2004 (Median) to Mar 2025, with 237 observations. The data reached an all-time high of 12.602 % pa in Mar 2009 and a record low of 0.000 % pa in Dec 2009. Kosovo Lending Rate: NB: Households: Mortgage Loans: Over 10 Years data remains active status in CEIC and is reported by Central Bank of the Republic of Kosovo. The data is categorized under Global Database’s Kosovo – Table KS.M004: Other Depository Corporations Lending Rate: New Business: by Type and Maturity.

The Global Financial Crisis of 2008-09 was a period of severe macroeconomic instability for the United States and the global economy more generally. The crisis was precipitated by the collapse of a number of financial institutions who were deeply involved in the U.S. mortgage market and associated credit markets. Beginning in the Summer of 2007, a number of banks began to report issues with increasing mortgage delinquencies and the problem of not being able to accurately price derivatives contracts which were based on bundles of these U.S. residential mortgages. By the end of 2008, U.S. financial institutions had begun to fail due to their exposure to the housing market, leading to one of the deepest recessions in the history of the United States and to extensive government bailouts of the financial sector.

Subprime and the collapse of the U.S. mortgage market

The early 2000s had seen explosive growth in the U.S. mortgage market, as credit became cheaper due to the Federal Reserve's decision to lower interest rates in the aftermath of the 2001 'Dot Com' Crash, as well as because of the increasing globalization of financial flows which directed funds into U.S. financial markets. Lower mortgage rates gave incentive to financial institutions to begin lending to riskier borrowers, using so-called 'subprime' loans. These were loans to borrowers with poor credit scores, who would not have met the requirements for a conventional mortgage loan. In order to hedge against the risk of these riskier loans, financial institutions began to use complex financial instruments known as derivatives, which bundled mortgage loans together and allowed the risk of default to be sold on to willing investors. This practice was supposed to remove the risk from these loans, by effectively allowing credit institutions to buy insurance against delinquencies. Due to the fraudulent practices of credit ratings agencies, however, the price of these contacts did not reflect the real risk of the loans involved. As the reality of the inability of the borrowers to repay began to kick in during 2007, the financial markets which traded these derivatives came under increasing stress and eventually led to a 'sudden stop' in trading and credit intermediation during 2008.

Market Panic and The Great Recession

As borrowers failed to make repayments, this had a knock-on effect among financial institutions who were highly leveraged with financial instruments based on the mortgage market. Lehman Brothers, one of the world's largest investment banks, failed on September 15th 2008, causing widespread panic in financial markets. Due to the fear of an unprecedented collapse in the financial sector which would have untold consequences for the wider economy, the U.S. government and central bank, The Fed, intervened the following day to bailout the United States' largest insurance company, AIG, and to backstop financial markets. The crisis prompted a deep recession, known colloquially as The Great Recession, drawing parallels between this period and The Great Depression. The collapse of credit intermediation in the economy lead to further issues in the real economy, as business were increasingly unable to pay back loans and were forced to lay off staff, driving unemployment to a high of almost 10 percent in 2010. While there has been criticism of the U.S. government's actions to bailout the financial institutions involved, the actions of the government and the Fed are seen by many as having prevented the crisis from spiraling into a depression of the magnitude of The Great Depression.

United States Mortgage Adjustable Rate: Mth Avg: 5 Year: Margin data was reported at 2.770 % pa in Nov 2018. This stayed constant from the previous number of 2.770 % pa for Oct 2018. United States Mortgage Adjustable Rate: Mth Avg: 5 Year: Margin data is updated monthly, averaging 2.740 % pa from Jan 2005 (Median) to Nov 2018, with 167 observations. The data reached an all-time high of 2.790 % pa in Aug 2005 and a record low of 2.710 % pa in Mar 2009. United States Mortgage Adjustable Rate: Mth Avg: 5 Year: Margin data remains active status in CEIC and is reported by Federal Home Loan Mortgage Corporation, Freddie Mac. The data is categorized under Global Database’s United States – Table US.M012: Mortgage Interest Rate.

Chile Mortgage Rate: Mortgage Loan: Endorsable: Term: > 20 Years data was reported at 3.800 % pa in Jan 2018. This records an increase from the previous number of 3.783 % pa for Dec 2017. Chile Mortgage Rate: Mortgage Loan: Endorsable: Term: > 20 Years data is updated monthly, averaging 4.700 % pa from Jan 2005 (Median) to Jan 2018, with 157 observations. The data reached an all-time high of 6.866 % pa in Jan 2009 and a record low of 3.440 % pa in Sep 2017. Chile Mortgage Rate: Mortgage Loan: Endorsable: Term: > 20 Years data remains active status in CEIC and is reported by Financial Market Commission. The data is categorized under Global Database’s Chile – Table CL.M008: Mortgage Rate.

This table contains data described by the following dimensions (Not all combinations are available): Geography (1 items: Canada ...).

The benchmark interest rate in Germany was last recorded at 4.50 percent. This dataset provides - Germany Interest Rate - actual values, historical data, forecast, chart, statistics, economic calendar and news.

This data collection provides information on the characteristics of a national sample of housing units, including apartments, single-family homes, mobile homes, and vacant housing units in 2009. The data are presented in eight separate parts: Part 1, Home Improvement Record, Part 2, Journey to Work Record, Part 3, Mortgages Recorded, Part 4, Housing Unit Record (Main Record), Recodes (One Record per Housing Unit), and Weights, Part 5, Manager and Owner of Rental Units Record, Part 6, Person Record, Part 7, High Burden Unit Record, and Part 8, Recent Mover Groups Record. Part 1 data include questions about upgrades and remodeling, cost of alterations and repairs, as well as the household member who performed the alteration/repair. Part 2 data include journey to work or commuting information, such as method of transportation to work, length of trip, and miles traveled to work. Additional information collected covers number of hours worked at home, number of days worked at home, average time respondent leaves for work in the morning or evening, whether respondent drives to work alone or with others, and a few other questions pertaining to self-employment and work schedule. Part 3 data include mortgage information, such as type of mortgage obtained by respondent, amount and term of mortgages, as well as years needed to pay them off. Other items asked include monthly payment amount, reason mortgage was taken out, and who provided the mortgage. Part 4 data include household-level information, including demographic information, such as age, sex, race, marital status, income, and relationship to householder. The following topics are also included: data recodes, unit characteristics, and weighting information. Part 5 data include information pertaining to owners of rental properties and whether the owner/resident manager lives on-site. Part 6 data include individual person level information, in which respondents were queried on basic demographic information (i.e. age, sex, race, marital status, income, and relationship to householder), as well as if they worked at all last week, month and year moved into residence, and their ability to perform everyday tasks and whether they have difficulty hearing, seeing, and concentrating or remembering things. Part 7 data include verification of income to cost when the ratio of income to cost is outside of certain tolerances. Respondents were asked whether they receive help or assistance with grocery bills, clothing and transportation expenses, child care payments, medical and utility bills, as well as with rent payments. Part 8 data include recent mover information, such as how many people were living in last unit before move, whether last residence was a condo or a co-op, as well as whether this residence was outside of the United States.

Lending Rate: RUB Mortgage Loans: YB: CF: Ryazan Region data was reported at 7.460 % pa in Mar 2025. This records a decrease from the previous number of 7.920 % pa for Feb 2025. Lending Rate: RUB Mortgage Loans: YB: CF: Ryazan Region data is updated monthly, averaging 11.880 % pa from Dec 2008 (Median) to Mar 2025, with 196 observations. The data reached an all-time high of 15.200 % pa in Jun 2009 and a record low of 5.560 % pa in Dec 2022. Lending Rate: RUB Mortgage Loans: YB: CF: Ryazan 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.MB010: Lending Rate: RUB Housing Loans: ow Mortgage: by Region: Average from Year Beginning.

The annual average interest rate on new residential loans in Italy rose to **** in 2023 - the highest rate recorded since 2009. In contrast, the lowest interest rate was observed in 2020, when it stood at **** percent.

Graph and download economic data for Delinquency Rate on Single-Family Residential Mortgages, Booked in Domestic Offices, All Commercial Banks (DRSFRMACBS) from Q1 1991 to Q1 2025 about domestic offices, delinquencies, 1-unit structures, mortgage, family, residential, commercial, domestic, banks, depository institutions, rate, and USA.

Lending Rate: Foreign Currencies Housing Loans: YB: CF: Smolensk Region data was reported at 10.700 % pa in Dec 2014. This records a decrease from the previous number of 11.160 % pa for Nov 2014. Lending Rate: Foreign Currencies Housing Loans: YB: CF: Smolensk Region data is updated monthly, averaging 10.020 % pa from Dec 2008 (Median) to Dec 2014, with 59 observations. The data reached an all-time high of 12.600 % pa in Jan 2014 and a record low of 6.700 % pa in Sep 2009. Lending Rate: Foreign Currencies Housing Loans: YB: CF: Smolensk 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.MB011: Lending Rate: Foreign Currencies Housing Loans: by Region: Average from Year Beginning.

This data collection is part of the American Housing Metropolitan Survey (AHS-MS, or "metro") which is conducted in odd-numbered years. It cycles through a set of 21 metropolitan areas, surveying each one about once every six years. The metro survey, like the national survey, is longitudinal. This particular survey provides information on the characteristics of a Seattle metropolitan sample of housing units, including apartments, single-family homes, mobile homes, and vacant housing units in 2009. The data are presented in eight separate parts: Part 1, Home Improvement Record, Part 2, Journey to Work Record, Part 3, Mortgages Recorded, Part 4, Housing Unit Record (Main Record), Recodes (One Record per Housing Unit), and Weights, Part 5, Manager and Owner of Rental Units Record, Part 6, Person Record, Part 7, High Burden Unit Record, and Part 8, Recent Mover Groups Record. Part 1 data include questions about upgrades and remodeling, cost of alterations and repairs, as well as the household member who performed the alteration/repair. Part 2 data include journey to work or commuting information, such as method of transportation to work, length of trip, and miles traveled to work. Additional information collected covers number of hours worked at home, number of days worked at home, average time respondent leaves for work in the morning or evening, whether respondent drives to work alone or with others, and a few other questions pertaining to self-employment and work schedule. Part 3 data include mortgage information, such as type of mortgage obtained by respondent, amount and term of mortgages, as well as years needed to pay them off. Other items asked include monthly payment amount, reason mortgage was taken out, and who provided the mortgage. Part 4 data include household-level information, including demographic information, such as age, sex, race, marital status, income, and relationship to householder. The following topics are also included: data recodes, unit characteristics, and weighting information. Part 5 data include information pertaining to owners of rental properties and whether the owner/resident manager lives on-site. Part 6 data include individual person level information, in which respondents were queried on basic demographic information (i.e. age, sex, race, marital status, income, and relationship to householder), as well as if they worked at all last week, month and year moved into residence, and their ability to perform everyday tasks and whether they have difficulty hearing, seeing, and concentrating or remembering things. Part 7 data include verification of income to cost when the ratio of income to cost is outside of certain tolerances. Respondents were asked whether they receive help or assistance with grocery bills, clothing and transportation expenses, child care payments, medical and utility bills, as well as with rent payments. Part 8 data include recent mover information, such as how many people were living in last unit before move, whether last residence was a condo or a co-op, as well as whether this residence was outside of the United States.

Mortgage credit interest rate, percent in Bahrain, March, 2025 The most recent value is 5.18 percent as of March 2025, an increase compared to the previous value of 5.15 percent. Historically, the average for Bahrain from July 2009 to March 2025 is 5.95 percent. The minimum of 4.76 percent was recorded in March 2018, while the maximum of 7.84 percent was reached in April 2010. | TheGlobalEconomy.com

Lending Rate: RUB Mortgage Loans: YB: Quarterly: CF: Tambov Region data was reported at 8.310 % pa in Dec 2024. This records a decrease from the previous number of 10.630 % pa for Sep 2024. Lending Rate: RUB Mortgage Loans: YB: Quarterly: CF: Tambov Region data is updated quarterly, averaging 12.245 % pa from Sep 2006 (Median) to Dec 2024, with 74 observations. The data reached an all-time high of 15.360 % pa in Sep 2009 and a record low of 6.240 % pa in Jun 2022. Lending Rate: RUB Mortgage Loans: YB: Quarterly: CF: Tambov 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.MB010: Lending Rate: RUB Housing Loans: ow Mortgage: by Region: Average from Year Beginning.

Lending Rate: RUB Mortgage Loans: YB: CF: Kaluga Region data was reported at 7.810 % pa in Mar 2025. This records an increase from the previous number of 7.530 % pa for Feb 2025. Lending Rate: RUB Mortgage Loans: YB: CF: Kaluga Region data is updated monthly, averaging 11.780 % pa from Dec 2008 (Median) to Mar 2025, with 196 observations. The data reached an all-time high of 14.820 % pa in May 2009 and a record low of 5.810 % pa in May 2022. Lending Rate: RUB 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.MB010: Lending Rate: RUB Housing Loans: ow Mortgage: by Region: Average from Year Beginning.

Graph and download economic data for Producer Price Index by Commodity: Credit Intermediation Services (Partial): Residential Real Estate Loans, Except Home Equity (Partial) (WPU39120101) from Apr 2009 to May 2025 about HELOCs, home equity, intermediate, credits, real estate, residential, loans, services, commodities, PPI, inflation, price index, indexes, price, and USA.