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.

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.

As of September 2025, the maximum interest rate for 21 to 35-year fixed-rate Flat 35 housing loans with a loan-to-value ratio of 90 percent or less in Japan stood at **** percent. This represented an increase compared to **** percent in June 2025.

Mortgage Rate in Sweden decreased to 2.84 percent in July from 3.01 percent in June of 2025. This dataset includes a chart with historical data for Sweden Average Interest Rate on New Agreements for Mortgages to Households.

Japan Housing Loan: Floating Interest Rate: City Banks data was reported at 2.475 % pa in Oct 2018. This stayed constant from the previous number of 2.475 % pa for Sep 2018. Japan Housing Loan: Floating Interest Rate: City Banks data is updated monthly, averaging 2.475 % pa from Jun 1987 (Median) to Oct 2018, with 377 observations. The data reached an all-time high of 8.500 % pa in Jan 1991 and a record low of 2.375 % pa in Sep 2006. Japan Housing Loan: Floating Interest Rate: City Banks data remains active status in CEIC and is reported by Bank of Japan. The data is categorized under Global Database’s Japan – Table JP.M014: Mortgage Rate.

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 fourth quarter of 2024, the 30-year fixed rate rose slightly, to **** percent. Despite the increase, the rate remained below the peak of **** percent in the same quarter a year ago. 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 2013 and 2023, 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 2023, 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.

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.

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

Graph and download economic data for Interest Rates: Other Long Term Rates and Yields: Housing: Mortgage Rates for Luxembourg (IRLOHO02LUQ156N) from Q1 1987 to Q3 2023 about Luxembourg, mortgage, yield, interest rate, interest, housing, and rate.

Exploiting variation in the timing of resets of adjustable-rate mortgages (ARMs), we find that a sizable decline in mortgage payments (up to 50 percent) induces a significant increase in car purchases (up to 35 percent). This effect is attenuated by voluntary deleveraging. Borrowers with lower incomes and housing wealth have significantly higher marginal propensity to consume. Areas with a larger share of ARMs were more responsive to lower interest rates and saw a relative decline in defaults and an increase in house prices, car purchases, and employment. Household balance sheets and mortgage contract rigidity are important for monetary policy pass-through.

30 Year Mortgage Rate in the United States decreased to 6.35 percent in September 11 from 6.50 percent in the previous week. This dataset includes a chart with historical data for the United States 30 Year Mortgage Rate.

Interest rates implied in housing loans in Portugal have skyrocketed during the considered period. In January 2022, the interest rate implied in loans for housing construction was **** percent, while in August 2023, it exceeded **** percent. In July 2025, the highest interest rate was registered for house renovation, at **** percent. House purchases recorded an interest rate implied in loans of **** percent. Total interest rates implied in housing loans were at **** percent.

Source: From lending institutions and local authorities The loan payments dataset stops in 2007. The figures on fixed interest rate mortgages relate to mortgages which provide that the rate of interest may not be changed, or may only be changed at intervals of not less than one year. The most current data is published on these sheets. Previously published data may be subject to revision. Any change from the originally published data will be highlighted by a comment on the cell in question. These comments will be maintained for at least a year after the date of the value change.

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.

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?

Interest rates to be paid on debentures issued with respect to a loan or mortgage insured by the Federal Housing Commissioner under the provisions of the National Housing Act (the Act). The Department will continue to publish semi-annually the debenture interest rate for the next six-month period in the Federal Register. Concurrently with the publication in the Federal Register, the Department will update the list of debenture interest rates.

Dataset Overview

This dataset provides historical housing price indices for the United States, covering a span of 20 years from January 2000 onwards. The data includes housing price trends at the national level, as well as for major metropolitan areas such as San Francisco, Los Angeles, New York, and more. It is ideal for understanding how housing prices have evolved over time and exploring regional differences in the housing market.

Why This Dataset?

The U.S. housing market has experienced significant shifts over the last two decades, influenced by economic booms, recessions, and post-pandemic recovery. This dataset allows data enthusiasts, economists, and real estate professionals to analyze long-term trends, make forecasts, and derive insights into regional housing markets.

What’s Included?

Time Period: January 2000 to the latest available data (specific end date depends on the dataset). Frequency: Monthly data. Regions Covered: 20+ U.S. cities, states, and aggregates.

Columns Description

Each column represents the housing price index for a specific region or aggregate, starting with a date column:

Date: Represents the date of the housing price index measurement, recorded with a monthly frequency. U.S. National: The national-level housing price index for the United States. 20-City Composite: The aggregate housing price index for the top 20 metropolitan areas in the U.S. CA-San Francisco: The housing price index for San Francisco, California. CA-Los Angeles: The housing price index for Los Angeles, California. WA-Seattle: The housing price index for Seattle, Washington. NY-New York: The housing price index for New York City, New York. Additional Columns: The dataset includes more columns with housing price indices for various U.S. cities, which can be viewed in the full dataset preview.

Potential Use Cases

Time-Series Analysis: Investigate long-term trends and patterns in housing prices. Forecasting: Build predictive models to forecast future housing prices using historical data. Regional Comparisons: Analyze how housing prices have grown in different cities over time. Economic Insights: Correlate housing prices with economic factors like interest rates, GDP, and inflation.

Who Can Use This Dataset?

This dataset is perfect for:

Data scientists and machine learning practitioners looking to build forecasting models. Economists and policymakers analyzing housing market dynamics. Real estate investors and analysts studying regional trends in housing prices.

Example Questions to Explore

Which cities have experienced the highest housing price growth over the last 20 years? How do housing price trends in coastal cities (e.g., Los Angeles, Miami) compare to midwestern cities (e.g., Chicago, Detroit)? Can we predict future housing prices using time-series models like ARIMA or Prophet?

Graph and download economic data for Interest Rates: Other Long Term Rates and Yields: Housing: Housing Bonds for Korea (IRLOHO01KRQ156N) from Q1 1987 to Q4 2023 about Korea, bonds, yield, interest rate, interest, housing, and rate.

In December 2024, the median interest rate on housing loans issued by city banks in Japan stood at about **** percent per annum, increasing for the first time in years. City banks are the largest banks in Japan.

Graph and download economic data for Contract Rate on 30-Year, Fixed-Rate Conventional Home Mortgage Commitments (DISCONTINUED) (RMMPCCFCNA) from 1972 to 2015 about commitments, contracts, conventional, 30-year, mortgage, interest rate, interest, housing, rate, and USA.