100+ datasets found
  1. Annual Fed funds effective rate in the U.S. 1990-2024

    • statista.com
    • ai-chatbox.pro
    Updated Jan 3, 2025
    Share
    FacebookFacebook
    TwitterTwitter
    Email
    Click to copy link
    Link copied
    Close
    Cite
    Statista (2025). Annual Fed funds effective rate in the U.S. 1990-2024 [Dataset]. https://www.statista.com/statistics/247941/federal-funds-rate-level-in-the-united-states/
    Explore at:
    Dataset updated
    Jan 3, 2025
    Dataset authored and provided by
    Statistahttp://statista.com/
    Area covered
    United States
    Description

    The U.S. federal funds rate peaked in 2023 at its highest level since the 2007-08 financial crisis, reaching 5.33 percent by December 2023. A significant shift in monetary policy occurred in the second half of 2024, with the Federal Reserve implementing regular rate cuts. By December 2024, the rate had declined to 4.48 percent. What is a central bank rate? The federal funds rate determines the cost of overnight borrowing between banks, allowing them to maintain necessary cash reserves and ensure financial system liquidity. When this rate rises, banks become more inclined to hold rather than lend money, reducing the money supply. While this decreased lending slows economic activity, it helps control inflation by limiting the circulation of money in the economy. Historic perspective The federal funds rate historically follows cyclical patterns, falling during recessions and gradually rising during economic recoveries. Some central banks, notably the European Central Bank, went beyond traditional monetary policy by implementing both aggressive asset purchases and negative interest rates.

  2. Rates on 30-year conventional mortgage in the U.S. 1971-2024

    • statista.com
    • ai-chatbox.pro
    Updated Jun 20, 2025
    Share
    FacebookFacebook
    TwitterTwitter
    Email
    Click to copy link
    Link copied
    Close
    Cite
    Statista (2025). Rates on 30-year conventional mortgage in the U.S. 1971-2024 [Dataset]. https://www.statista.com/statistics/187661/rates-on-conventional-30-year-fixed-mortgages-in-the-us/
    Explore at:
    Dataset updated
    Jun 20, 2025
    Dataset authored and provided by
    Statistahttp://statista.com/
    Area covered
    United States
    Description

    After a period of gradual decline, the average annual rate on a 30-year fixed-rate mortgage in the United States rose to **** percent in 2023, up from the record-low **** percent in 2021. In 2024, interest rates declined slightly. The rate for 15-year fixed mortgages and five-year ARM mortgages followed a similar trend. This was a result of the Federal Reserve increasing the bank rate - a measure introduced to tackle the rising inflation. U.S. home prices going through the roof Mortgage rates have a strong impact on the market – the lower the rate, the lower the loan repayment. The rate on a 30-year fixed-rate mortgage decreasing after the Great Recession has stimulated the market and boosted home sales. Another problem consumers face is the fact that house prices are rising at an unaffordable level. The median sales price of a new home sold surged in 2021, while the median weekly earnings of a full-time employee maintained a more moderate increase. What are the differences between 15-year and 30-year mortgages? Two of the most popular loan terms available to homebuyers are the 15-year fixed-rate mortgage and the 30-year fixed-rate mortgage. The 30-year option appeals to more consumers because the repayment is spread out over 30 years, meaning the monthly payments are lower. Consumers choosing the 15-year option will have to pay higher monthly payments but benefit from lower interest rates.

  3. o

    Replication data for: Interest Rate Pass-Through: Mortgage Rates, Household...

    • openicpsr.org
    Updated Nov 1, 2017
    Share
    FacebookFacebook
    TwitterTwitter
    Email
    Click to copy link
    Link copied
    Close
    Cite
    Marco Di Maggio; Amir Kermani; Benjamin J. Keys; Tomasz Piskorski; Rodney Ramcharan; Amit Seru; Vincent Yao (2017). Replication data for: Interest Rate Pass-Through: Mortgage Rates, Household Consumption, and Voluntary Deleveraging [Dataset]. http://doi.org/10.3886/E116162V1
    Explore at:
    Dataset updated
    Nov 1, 2017
    Dataset provided by
    American Economic Association
    Authors
    Marco Di Maggio; Amir Kermani; Benjamin J. Keys; Tomasz Piskorski; Rodney Ramcharan; Amit Seru; Vincent Yao
    Description

    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.

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

    • statista.com
    • ai-chatbox.pro
    Updated Jul 2, 2025
    Share
    FacebookFacebook
    TwitterTwitter
    Email
    Click to copy link
    Link copied
    Close
    Cite
    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/
    Explore at:
    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.

  5. T

    Germany Interest Rate

    • tradingeconomics.com
    • ko.tradingeconomics.com
    • +13more
    csv, excel, json, xml
    Updated Mar 11, 2024
    Share
    FacebookFacebook
    TwitterTwitter
    Email
    Click to copy link
    Link copied
    Close
    Cite
    TRADING ECONOMICS (2024). Germany Interest Rate [Dataset]. https://tradingeconomics.com/germany/interest-rate
    Explore at:
    csv, xml, excel, jsonAvailable download formats
    Dataset updated
    Mar 11, 2024
    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
    Dec 18, 1998 - Jun 5, 2025
    Area covered
    Germany
    Description

    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.

  6. F

    10-Year Real Interest Rate

    • fred.stlouisfed.org
    json
    Updated Jul 15, 2025
    Share
    FacebookFacebook
    TwitterTwitter
    Email
    Click to copy link
    Link copied
    Close
    Cite
    (2025). 10-Year Real Interest Rate [Dataset]. https://fred.stlouisfed.org/series/REAINTRATREARAT10Y
    Explore at:
    jsonAvailable download formats
    Dataset updated
    Jul 15, 2025
    License

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

    Description

    Graph and download economic data for 10-Year Real Interest Rate (REAINTRATREARAT10Y) from Jan 1982 to Jul 2025 about 10-year, interest rate, interest, real, rate, and USA.

  7. T

    China Loan Prime Rate

    • tradingeconomics.com
    • de.tradingeconomics.com
    • +13more
    csv, excel, json, xml
    Updated Jun 20, 2025
    Share
    FacebookFacebook
    TwitterTwitter
    Email
    Click to copy link
    Link copied
    Close
    Cite
    TRADING ECONOMICS (2025). China Loan Prime Rate [Dataset]. https://tradingeconomics.com/china/interest-rate
    Explore at:
    xml, csv, excel, jsonAvailable download formats
    Dataset updated
    Jun 20, 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 25, 2013 - Jul 20, 2025
    Area covered
    China
    Description

    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.

  8. Average mortgage interest rate in Europe 2020-2024, by country

    • ai-chatbox.pro
    • statista.com
    Updated Sep 16, 2024
    Share
    FacebookFacebook
    TwitterTwitter
    Email
    Click to copy link
    Link copied
    Close
    Cite
    Statista Research Department (2024). Average mortgage interest rate in Europe 2020-2024, by country [Dataset]. https://www.ai-chatbox.pro/?_=%2Ftopics%2F7521%2Fmortgage-industry-worldwide-developed-markets%2F%23XgboD02vawLKoDs%2BT%2BQLIV8B6B4Q9itA
    Explore at:
    Dataset updated
    Sep 16, 2024
    Dataset provided by
    Statistahttp://statista.com/
    Authors
    Statista Research Department
    Description

    Mortgage interest rates in Europe soared in 2022 and remained elevated in the following two years. In many countries, this resulted in interest rates more than doubling. In the UK, the average mortgage interest rate rose from 1.85 percent in 2020 to 5.29 percent in 2023, before falling to 4.54 in 2024. Why did mortgage interest rates increase? Mortgage rates have risen as a result of the European Central Bank (ECB) interest rate increase. The ECB increased its interest rates to tackle inflation. As inflation calms, the ECB is expected to cut rates, which allows mortgage lenders to reduce mortgage interest rates. What is the impact of interest rates on home buying? Lower interest rates make taking out a housing loan more affordable, and thus, encourage homebuying. That can be seen in many countries across Europe: In France, the number of residential properties sold rose in the years leading up to 2021, and fell as interest rates increased. The number of houses sold in the UK followed a similar trend.

  9. U

    USA Mortgage credit interest rate, percent, June, 2025 - data, chart |...

    • theglobaleconomy.com
    csv, excel, xml
    Updated Aug 7, 2024
    Share
    FacebookFacebook
    TwitterTwitter
    Email
    Click to copy link
    Link copied
    Close
    Cite
    Globalen LLC (2024). USA Mortgage credit interest rate, percent, June, 2025 - data, chart | TheGlobalEconomy.com [Dataset]. www.theglobaleconomy.com/USA/mortgage_interest_rate/
    Explore at:
    csv, excel, xmlAvailable download formats
    Dataset updated
    Aug 7, 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
    Aug 31, 1991 - Jun 30, 2025
    Area covered
    United States
    Description

    Mortgage credit interest rate, percent in the USA, June, 2025 The most recent value is 6.33 percent as of June 2025, a decline compared to the previous value of 6.46 percent. Historically, the average for the USA from August 1991 to June 2025 is 5.56 percent. The minimum of 2.42 percent was recorded in December 2020, while the maximum of 9.01 percent was reached in November 1994. | TheGlobalEconomy.com

  10. T

    India Interest Rate

    • tradingeconomics.com
    • pt.tradingeconomics.com
    • +13more
    csv, excel, json, xml
    Updated Jun 6, 2025
    Share
    FacebookFacebook
    TwitterTwitter
    Email
    Click to copy link
    Link copied
    Close
    Cite
    TRADING ECONOMICS (2025). India Interest Rate [Dataset]. https://tradingeconomics.com/india/interest-rate
    Explore at:
    excel, xml, csv, jsonAvailable download formats
    Dataset updated
    Jun 6, 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
    Jul 10, 2000 - Jun 6, 2025
    Area covered
    India
    Description

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

  11. I

    Israel Lending interest rate - data, chart | TheGlobalEconomy.com

    • theglobaleconomy.com
    csv, excel, xml
    Updated May 13, 2015
    Share
    FacebookFacebook
    TwitterTwitter
    Email
    Click to copy link
    Link copied
    Close
    Cite
    Globalen LLC (2015). Israel Lending interest rate - data, chart | TheGlobalEconomy.com [Dataset]. www.theglobaleconomy.com/Israel/Lending_interest_rate/
    Explore at:
    excel, csv, xmlAvailable download formats
    Dataset updated
    May 13, 2015
    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, 2013 - Dec 31, 2022
    Area covered
    Israel
    Description

    Israel: Interest rates on bank credit to the private sector: The latest value from 2022 is 2.96 percent, a decline from 3.1 percent in 2021. In comparison, the world average is 11.81 percent, based on data from 93 countries. Historically, the average for Israel from 2013 to 2022 is 3.51 percent. The minimum value, 2.96 percent, was reached in 2022 while the maximum of 4.42 percent was recorded in 2013.

  12. Mortgage interest rate in Portugal Q1 2013-Q3 2024

    • statista.com
    • ai-chatbox.pro
    Updated Jun 19, 2025
    Share
    FacebookFacebook
    TwitterTwitter
    Email
    Click to copy link
    Link copied
    Close
    Cite
    Statista (2025). Mortgage interest rate in Portugal Q1 2013-Q3 2024 [Dataset]. https://www.statista.com/statistics/615018/mortgage-interest-rate-portugal-europe/
    Explore at:
    Dataset updated
    Jun 19, 2025
    Dataset authored and provided by
    Statistahttp://statista.com/
    Area covered
    Portugal
    Description

    In 2022, Portugal overturned the sinking mortgage interest rate it had gone through during the coronavirus (COVID-19) pandemic. The country did not escape from the overall trend of falling mortgage interest rates observed in Europe during the COVID-19 crisis, which positioned national mortgage interest rates at **** percent in the fourth quarter of 2021. Interest rates as a weapon against inflation Even though interest rates are affected by economic growth, monetary policies, the bond market, the stability of lenders, and the overall conditions of the housing market, inflation currently leads the European Central Bank (ECB)’s decisions regarding them. As inflation had been low in Europe since the 2008 financial crisis, the ECB lowered interest rates in an attempt to promote economic growth. However, the economic difficulties brought up by the coronavirus pandemic and the Russian-Ukrainian war have fueled inflation. To counteract this rise, the ECB increased interest rates. Portugal’s abrupt rise in interest rates on new residential loans from **** percent in 2021 to **** percent in 2023 demonstrates the balanced and calculated act between the two financial indices. High interest rates and low mortgage lending Compared to other European nations, Portugal has a low gross residential mortgage lending. In the third and fourth quarters of 2022, mortgage lending decreased in the country due to rising interest rates and worsening economic conditions, but have increased dramatically until 2024. Despite being in a rising trajectory in terms of outstanding residential mortgage lending since the second quarter of 2021, 2023 registered decreasing figures caused by the same economic contingencies. 2024 shows a different trend, however.

  13. F

    15-Year Fixed Rate Mortgage Average in the United States

    • fred.stlouisfed.org
    json
    Updated Jul 17, 2025
    + more versions
    Share
    FacebookFacebook
    TwitterTwitter
    Email
    Click to copy link
    Link copied
    Close
    Cite
    (2025). 15-Year Fixed Rate Mortgage Average in the United States [Dataset]. https://fred.stlouisfed.org/series/MORTGAGE15US
    Explore at:
    jsonAvailable download formats
    Dataset updated
    Jul 17, 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 2025-07-17 about 15-year, fixed, mortgage, interest rate, interest, rate, and USA.

  14. o

    Data and Code for: Interest rates and the spatial polarization of housing...

    • openicpsr.org
    Updated Jan 5, 2023
    Share
    FacebookFacebook
    TwitterTwitter
    Email
    Click to copy link
    Link copied
    Close
    Cite
    Francisco Amaral; Martin Dohmen; Sebastian Kohl; Moritz Schularick (2023). Data and Code for: Interest rates and the spatial polarization of housing markets [Dataset]. http://doi.org/10.3886/E183842V1
    Explore at:
    Dataset updated
    Jan 5, 2023
    Dataset provided by
    American Economic Association
    Authors
    Francisco Amaral; Martin Dohmen; Sebastian Kohl; Moritz Schularick
    License

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

    Time period covered
    1950 - 2018
    Description

    Rising within-country differences in house values are a much debated trend inthe U.S. and internationally. Using new long-run regional data for 15 advancedeconomies, we first show that standard explanations linking growing price dispersionto rent dispersion are contradicted by an important stylized fact: rent dispersionhas increased far less than price dispersion. We then propose a new explanation: auniform decline in real risk-free interest rates can have heterogeneous spatial effectson house values. Falling real safe rates disproportionately push up prices in largeagglomerations where initial rent-price ratios are low, leading to housing marketpolarization on the national level.

  15. Waterproofing Contractors in the US - Market Research Report (2015-2030)

    • img3.ibisworld.com
    Updated Aug 27, 2024
    Share
    FacebookFacebook
    TwitterTwitter
    Email
    Click to copy link
    Link copied
    Close
    Cite
    IBISWorld (2024). Waterproofing Contractors in the US - Market Research Report (2015-2030) [Dataset]. https://img3.ibisworld.com/united-states/market-research-reports/waterproofing-contractors-industry/
    Explore at:
    Dataset updated
    Aug 27, 2024
    Dataset authored and provided by
    IBISWorld
    License

    https://www.ibisworld.com/about/termsofuse/https://www.ibisworld.com/about/termsofuse/

    Time period covered
    2014 - 2029
    Area covered
    United States
    Description

    Over the current period, waterproofing contractors have faced an overall decline in revenue. While the residential construction market performed well for some of the current period, consistently slow commercial construction activity hindered growth. Over the past five years, industry-wide revenue has been declining at an expected CAGR of 2.2%, reaching an estimated $5.2 billion in 2024, when revenue is set to increase 0.1% and profit is expected to have fallen to 7.2%. The outbreak of COVID-19 had mixed effects on waterproofing contractors. Low interest rates meant to spur the economy led to a housing market boom, driving industry demand through private spending on home improvements and housing starts. Despite low interest rates, economic uncertainty and falling corporate profit led to falling commercial construction activity. As interest rates have been elevated from 2022 into 2024, when the Federal reserve has begun to cut rates, residential and commercial construction activity has fallen. Elevated wage and purchase costs have drove down average industry profit margins in recent years. Over the outlook period, waterproofing contractors will return to growth. Growing housing starts will bolster waterproofing contractors' growth as mortgage rates eventually drop. Private spending on home improvements returning to growth will be a boon to contractors. An uptick in commercial building construction activity over the outlook period as interest rates continue to drop will also promote growth. Tax incentives for energy-efficient residential and commercial buildings will greatly benefit waterproofing contractors. Overall, industry revenue is expected to grow at a CAGR of 1.6% to reach $5.6 in 2029.

  16. E

    Euro area Mortgage credit interest rate, percent, March, 2025 - data, chart...

    • theglobaleconomy.com
    csv, excel, xml
    Updated Mar 15, 2025
    Share
    FacebookFacebook
    TwitterTwitter
    Email
    Click to copy link
    Link copied
    Close
    Cite
    Globalen LLC (2025). Euro area Mortgage credit interest rate, percent, March, 2025 - data, chart | TheGlobalEconomy.com [Dataset]. www.theglobaleconomy.com/Euro_area/mortgage_interest_rate/
    Explore at:
    xml, excel, csvAvailable download formats
    Dataset updated
    Mar 15, 2025
    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
    Jan 31, 2003 - Mar 31, 2025
    Area covered
    Euro area
    Description

    Mortgage credit interest rate, percent in Euro area, March, 2025 The most recent value is 2.42 percent as of March 2025, a decline compared to the previous value of 2.44 percent. Historically, the average for Euro area from January 2003 to March 2025 is 3.36 percent. The minimum of 1.61 percent was recorded in January 2022, while the maximum of 5.6 percent was reached in January 2003. | TheGlobalEconomy.com

  17. C

    Colombia Lending-deposit interest rate spread - data, chart |...

    • theglobaleconomy.com
    csv, excel, xml
    Updated Feb 28, 2018
    Share
    FacebookFacebook
    TwitterTwitter
    Email
    Click to copy link
    Link copied
    Close
    Cite
    Globalen LLC (2018). Colombia Lending-deposit interest rate spread - data, chart | TheGlobalEconomy.com [Dataset]. www.theglobaleconomy.com/Colombia/lending_deposit_spread/
    Explore at:
    excel, csv, xmlAvailable download formats
    Dataset updated
    Feb 28, 2018
    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, 1986 - Dec 31, 2020
    Area covered
    Colombia
    Description

    Colombia: Bank lending-deposit interest rate spread : The latest value from 2020 is 6.47 interest rate points, a decline from 7.27 interest rate points in 2019. In comparison, the world average is 6.59 interest rate points, based on data from 93 countries. Historically, the average for Colombia from 1986 to 2020 is 7.99 interest rate points. The minimum value, 5.72 interest rate points, was reached in 2010 while the maximum of 10.44 interest rate points was recorded in 1994.

  18. Third-Party Real Estate Activities in Slovenia - Market Research Report...

    • ibisworld.com
    Updated Jul 1, 2025
    Share
    FacebookFacebook
    TwitterTwitter
    Email
    Click to copy link
    Link copied
    Close
    Cite
    IBISWorld (2025). Third-Party Real Estate Activities in Slovenia - Market Research Report (2015-2030) [Dataset]. https://www.ibisworld.com/slovenia/industry/third-party-real-estate-activities/200282/
    Explore at:
    Dataset updated
    Jul 1, 2025
    Dataset authored and provided by
    IBISWorld
    License

    https://www.ibisworld.com/about/termsofuse/https://www.ibisworld.com/about/termsofuse/

    Time period covered
    2015 - 2030
    Area covered
    Slovenia
    Description

    Companies operating in the third-party real estate industry have had to navigate numerous economic headwinds in recent years, notably rising interest rates, spiralling inflation and muted economic growth. Revenue is projected to sink at a compound annual rate of 0.6% over the five years through 2025, including an estimated jump of 1.2% in 2025 to €207.6 billion, while the average industry profit margin is forecast to reach 35.1%. Amid spiralling inflation, central banks across Europe ratcheted up interest rates, resulting in borrowing costs skyrocketing over the two years through 2023. In residential markets, elevated mortgage rates combined with tightening credit conditions eventually ate into demand, inciting a drop in house prices. Rental markets performed well when house prices were elevated (2021-2023), being the cheaper alternative for cash-strapped buyers. However, even lessors felt the pinch of rising mortgage rates, forcing them to hoist rent prices to cover costs and pricing out potential buyers. This led to a slowdown in rental markets in 2023, weighing on revenue growth. However, this has started to turn around in 2025 as interest rates have been falling across Europe in the two years through 2025, reducing borrowing costs for buyers and boosting property transactions. This has helped revenue to rebound slightly in 2025 as estate agents earn commission from property transactions. Revenue is forecast to swell at a compound annual rate of 3.7% over the five years through 2030 to €249.5 billion. Housing prices are recovering in 2025 as fixed-rate mortgages begin to drop and economic uncertainty subsides, aiding revenue growth in the short term. Over the coming years, PropTech—technology-driven innovations designed to improve and streamline the real estate industry—will force estate agents to adapt, shaking up the traditional real estate sector. A notable application of PropTech is the use of AI and data analytics to predict a home’s future value and speed up the process of retrofitting properties to become more sustainable.

  19. Average mortgage interest rate in Germany 2013-2024, per quarter

    • ai-chatbox.pro
    • statista.com
    Updated Jan 30, 2025
    + more versions
    Share
    FacebookFacebook
    TwitterTwitter
    Email
    Click to copy link
    Link copied
    Close
    Cite
    Statista (2025). Average mortgage interest rate in Germany 2013-2024, per quarter [Dataset]. https://www.ai-chatbox.pro/?_=%2Fstatistics%2F614972%2Fmortgage-interest-rate-germany-europe%2F%23XgboD02vawLYpGJjSPEePEUG%2FVFd%2Bik%3D
    Explore at:
    Dataset updated
    Jan 30, 2025
    Dataset authored and provided by
    Statistahttp://statista.com/
    Area covered
    Germany
    Description

    The mortgage interest rate in Germany decreased notably between 2013 and 2022, falling below 1.5 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 3.9 percent in the second quarter of 2024. The German mortgage market In Europe, Germany is the second-largest mortgage market, with a total value of mortgages outstanding amounting to over 1.8 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 2022, house prices increased by over 60 percent.

  20. F

    Bank Prime Loan Rate Changes: Historical Dates of Changes and Rates

    • fred.stlouisfed.org
    json
    Updated Jan 8, 2025
    + more versions
    Share
    FacebookFacebook
    TwitterTwitter
    Email
    Click to copy link
    Link copied
    Close
    Cite
    (2025). Bank Prime Loan Rate Changes: Historical Dates of Changes and Rates [Dataset]. https://fred.stlouisfed.org/series/PRIME
    Explore at:
    jsonAvailable download formats
    Dataset updated
    Jan 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 Bank Prime Loan Rate Changes: Historical Dates of Changes and Rates (PRIME) from 1955-08-04 to 2024-12-20 about prime, loans, interest rate, banks, interest, depository institutions, rate, and USA.

Share
FacebookFacebook
TwitterTwitter
Email
Click to copy link
Link copied
Close
Cite
Statista (2025). Annual Fed funds effective rate in the U.S. 1990-2024 [Dataset]. https://www.statista.com/statistics/247941/federal-funds-rate-level-in-the-united-states/
Organization logo

Annual Fed funds effective rate in the U.S. 1990-2024

Explore at:
Dataset updated
Jan 3, 2025
Dataset authored and provided by
Statistahttp://statista.com/
Area covered
United States
Description

The U.S. federal funds rate peaked in 2023 at its highest level since the 2007-08 financial crisis, reaching 5.33 percent by December 2023. A significant shift in monetary policy occurred in the second half of 2024, with the Federal Reserve implementing regular rate cuts. By December 2024, the rate had declined to 4.48 percent. What is a central bank rate? The federal funds rate determines the cost of overnight borrowing between banks, allowing them to maintain necessary cash reserves and ensure financial system liquidity. When this rate rises, banks become more inclined to hold rather than lend money, reducing the money supply. While this decreased lending slows economic activity, it helps control inflation by limiting the circulation of money in the economy. Historic perspective The federal funds rate historically follows cyclical patterns, falling during recessions and gradually rising during economic recoveries. Some central banks, notably the European Central Bank, went beyond traditional monetary policy by implementing both aggressive asset purchases and negative interest rates.

Search
Clear search
Close search
Google apps
Main menu