Graph and download economic data for Mortgage Debt Service Payments as a Percent of Disposable Personal Income (MDSP) from Q1 1980 to Q2 2025 about disposable, payments, mortgage, personal income, debt, percent, personal, income, services, and USA.

Around ** percent of people who have mortgage pay 10 to 14 percent of the net income of their household. A share of ** percent of people who plan to get a mortgage stated that their monthly payment will be more than 40 percent of the household's net income.

Housing affordability in the UK has worsened notably since 2020, with the share of income spent on mortgage payments rising for first-time and repeat buyers. In 2024, homebuyers spent, on average, 20.5 percent of their income on mortgage payments, up from 16.2 percent in 2020. First-time buyers spent a notably higher percentage than repeat buyers. One of the main factors for the declining affordability is the rising housing costs. House prices have increased rapidly since the COVID-19 pandemic. Mortgage rates have also soared since, leading to notably higher monthly payments.

Pennymac Mortgage Investment reported $47.84M in Net Income for its fiscal quarter ending in September of 2025. Data for Pennymac Mortgage Investment | PMT - Net Income including historical, tables and charts were last updated by Trading Economics this last December in 2025.

When comparing the mortgage or rental costs incurred by owners with mortgage, private renters and social renters in England, private renters pay a considerably larger share of their income than the other two groups. While owner occupiers with mortgages paid approximately **** percent of their income on mortgage in 2024, private renters paid ** percent, or more than *********. In terms of average monthly costs, renting a three-bedroom house is more expensive than buying.

Blackstone Mortgage reported $6.97M in Net Income for its fiscal quarter ending in June of 2025. Data for Blackstone Mortgage | BXMT - Net Income including historical, tables and charts were last updated by Trading Economics this last December in 2025.

New York Mortgage reported $-62.03M in Net Income for its fiscal quarter ending in December of 2024. Data for New York Mortgage | NYMT - Net Income including historical, tables and charts were last updated by Trading Economics this last December in 2025.

Graph and download economic data for Household Debt Service Payments as a Percent of Disposable Personal Income (TDSP) from Q1 1980 to Q2 2025 about disposable, payments, personal income, debt, percent, households, personal, income, services, and USA.

Mortgage Debt Service as Percent of Disposable Income - Historical chart and current data through 2025.

The small area model-based income estimates are the official estimates of average (mean) household income at the middle layer super output area (MSOA) level in England and Wales for 2011/12, 2013/14 and 2015/16.

For 2015-16 the figures are average annual income. For 2013/14 and 2011/12 the figures are average weekly income.

They are calculated using a model based method to produce the following four estimates of income using a combination of survey data from the Family Resources Survey, and previously published data from the 2011 Census and a number of administrative data sources. The four different measures of income are:

1. Total household income
2. Net household income
3. Net household income (equivalised) before housing costs
4. Net household income (equivalised) after housing costs

Total annual household income is the sum of the gross income of every member of the household plus any income from benefits such as Working Families Tax Credit.

Net annual household income is the sum of the net income of every member of the household. It is calculated using the same components as total income but income is net of:

• income tax payments;
• national insurance contributions;
• domestic rates/council tax;
• contributions to occupational pension schemes;
• all maintenance and child support payments, which are deducted from the income of the person making the payments; and
• parental contribution to students living away from home.

Net annual household income before housing costs (equivalised) is composed of the same elements as net household weekly income but is subject to the OECD’s equivalisation scale.

Net annual household income after housing costs (equivalised) is composed of the same elements of net household weekly income but is subject to the following deductions prior to the OECD’s equivalisation scale being applied:

• rent (gross of housing benefit);
• water rates, community water charges and council water charges;
• mortgage interest payments (net of any tax relief);
• structural insurance premiums (for owner occupiers); and
• ground rent and service charges.

For detailed information on aspects of the quality and methodology behind these statistics, "https://www.ons.gov.uk/employmentandlabourmarket/peopleinwork/earningsandworkinghours/methodologies/smallareaincomeestimatesmodelbasedestimatesofthemeanhouseholdweeklyincomeformiddlelayersuperoutputareas201314technicalreport " target="_blank">see the Technical Report.

This dataset is included in the Greater London Authority's Night Time Observatory. Click here to find out more.

As of the first quarter of 2021, young people in Spain needed a salary almost ** percent higher than the average salary of that age group for an affordable mortgage. To be considered affordable, mortgage payments are supposed to not exceed ** percent of the monthly income. In the case of young workers aged 16 to 24 years, the difference between the average salary and the minimum income needed for an affordable mortgage was of ***** percent.

Federal Agricultural Mortgage reported $48.7M in Net Income for its fiscal quarter ending in September of 2025. Data for Federal Agricultural Mortgage | AGM - Net Income including historical, tables and charts were last updated by Trading Economics this last December in 2025.

India NGNBF&I: Loan Finance: Income: Financial Income: Fund Based: Net Profit/Loss in Share Dealings data was reported at 5,950.000 INR mn in 2019. This records an increase from the previous number of 5,060.000 INR mn for 2018. India NGNBF&I: Loan Finance: Income: Financial Income: Fund Based: Net Profit/Loss in Share Dealings data is updated yearly, averaging 5,985.000 INR mn from Mar 2012 (Median) to 2019, with 8 observations. The data reached an all-time high of 12,580.000 INR mn in 2012 and a record low of 4,320.000 INR mn in 2013. India NGNBF&I: Loan Finance: Income: Financial Income: Fund Based: Net Profit/Loss in Share Dealings data remains active status in CEIC and is reported by Reserve Bank of India. The data is categorized under India Premium Database’s Banking Sector – Table IN.KBU020: Non Government Non Banking Financial and Investment Companies (NGNBF&I): Financial Performance: Loan Finance.

This dataset was generated from a public earning's call (press release article). And used to generate examples of the way real humans would speak regarding the matters in the article, within real world scenarios. Here they are below:

Here are the linguistic variations for each of the queries in the dataset, based on the example article provided:

Here are five examples related to strong average loan growth in US Personal Banking (#5):

1. Mortgage Loans: An increase in demand for mortgage loans contributed to the strong average loan growth in US Personal Banking. Customers taking advantage of low interest rates led to a surge in mortgage applications and approvals.

2. Auto Loans: Robust consumer spending and increased car sales led to higher demand for auto loans, contributing to the strong loan growth in US Personal Banking. Customers seeking financing options for purchasing vehicles played a significant role in this growth.

3. Personal Loans: The availability of personal loans with favorable terms and competitive interest rates attracted borrowers, resulting in strong average loan growth in US Personal Banking. Customers availed personal loans for various purposes such as home improvements, debt consolidation, or financing other personal expenses.

4. Small Business Loans: US Personal Banking also witnessed strong loan growth due to increased lending to small businesses. As entrepreneurs and small business owners sought capital for expansion, equipment purchases, or working capital, the demand for small business loans rose, contributing to the growth.

5. Student Loans: The higher education sector continued to rely on student loans to finance tuition fees and related expenses. With the increasing cost of education, a rise in student loan applications and approvals contributed to the strong average loan growth in US Personal Banking.

General Queries Query: "What was the revenue for Personal Banking and Wealth Management (PBWM) in the last quarter?"

Variation 1: "What were the PBWM revenues in the previous quarter?" Variation 2: "Can you provide the revenue figure for PBWM in the last quarter?" Variation 3: "How much revenue did PBWM generate in the last quarter?" Variation 4: "What was the total revenue for PBWM in the most recent quarter?" Variation 5: "Could you tell me the revenue earned by PBWM in the last quarter?" Query: "What were the revenue figures for different divisions under US Personal Banking?"

Variation 1: "Can you provide the revenue breakdown for various divisions within US Personal Banking?" Variation 2: "What were the revenues generated by the different divisions in US Personal Banking?" Variation 3: "How did the revenue distribution look across different divisions in US Personal Banking?" Variation 4: "What were the individual revenue figures for each division within US Personal Banking?" Variation 5: "Could you give me a breakdown of the revenues for different divisions in US Personal Banking?" Query: "How did operating expenses change for PBWM?"

Variation 1: "What was the change in operating expenses for PBWM?" Variation 2: "Were there any fluctuations in the operating expenses of PBWM?" Variation 3: "How did the operating expenses for PBWM evolve over the specified period?" Variation 4: "Can you provide insights into the changes in operating expenses for PBWM?" Variation 5: "What was the percentage change in operating expenses for PBWM?" Query: "What factors contributed to the increase in PBWM's cost of credit?"

Variation 1: "What were the drivers behind the rise in PBWM's cost of credit?" Variation 2: "Which factors influenced the increase in PBWM's cost of credit?" Variation 3: "Can you identify the elements that led to the higher cost of credit for PBWM?" Variation 4: "What were the contributing factors to the cost of credit escalation in PBWM?" Variation 5: "What were the key reasons behind the growth in PBWM's cost of credit?" Query: "What led to the decrease in PBWM's net income?"

Variation 1: "What were the factors responsible for the decline in PBWM's net income?" Variation 2: "Can you identify the causes of the reduction in PBWM's net income?" Variation 3: "What influenced the decrease in net income for PBWM?" Variation 4: "Were there specific drivers that contributed to the decline in PBWM's net income?" Variation 5: "What were the primary reasons behind the decrease in PBWM's net income?" These linguistic variations provide different ways to ask the same questions, allowing for a more diverse and robust training dataset for the chatbot.

Here are the extracted entities from the provided article:

Account Line Entities:

Revenues Operating expenses Cost of credit Net income Business Line Entities:

Personal Banking and Wealth Management (PBWM) Branded Cards Retail Services Retail Banking Global Wealth Management Markets Banking Investment Banking Corporate Lending...

Invesco Mortgage Capital reported $59.88M in Net Income for its fiscal quarter ending in December of 2024. Data for Invesco Mortgage Capital | IVR - Net Income including historical, tables and charts were last updated by Trading Economics this last December in 2025.

Scottish Mortgage reported GBP1B in Net Income for its fiscal semester ending in June of 2025. Data for Scottish Mortgage | SMT - Net Income including historical, tables and charts were last updated by Trading Economics this last December in 2025.

These data from the 1990 Census comprise a sample of households with at least one person 60 years and older, plus a sample of persons 60 years and older in group quarters. The data are grouped into housing variables and person variables. Housing variables include area type, state and area of residence, farm/nonfarm status, type of structure, year structure was built, vacancy and boarded-up status, number of rooms and bedrooms, presence or absence of a telephone, presence or absence of complete kitchen and plumbing facilities, type of sewage facilities, type of water source, type of heating fuel used, property value, tenure, year moved into house/apartment, type of household/family, type of group quarters, household language, number of persons in the household, number of persons and workers in the family, status of mortgage, second mortgage, and home equity loan, number of vehicles available, household income, sales of agricultural products, payments for rent, mortgage and property tax, condominium fees, mobile home costs, and cost of electricity, water, heating fuel, and flood/fire/hazard insurance. Person variables cover age, sex, relationship to householder, educational attainment, school enrollment, race, Hispanic origin, ancestry, language spoken at home, citizenship, place of birth, year of immigration, place of residence in 1985, marital status, number of children ever born, military service, mobility and personal care limitation, work limitation status, employment status, occupation, industry, class of worker, hours worked last week, weeks worked in 1989, usual hours worked per week, temporary absence from work, place of work, time of departure for work, travel time to work, means of transportation to work, total earnings, total income, wages and salary income, farm and nonfarm self-employment income, Social Security income, public assistance income, retirement income, and rent, dividends, and net rental income.

Portugal, Canada, and the United States were the countries with the highest house price to income ratio in 2024. In all three countries, the index exceeded 130 index points, while the average for all OECD countries stood at 116.2 index points. The index measures the development of housing affordability and is calculated by dividing nominal house price by nominal disposable income per head, with 2015 set as a base year when the index amounted to 100. An index value of 120, for example, would mean that house price growth has outpaced income growth by 20 percent since 2015. How have house prices worldwide changed since the COVID-19 pandemic? House prices started to rise gradually after the global financial crisis (2007–2008), but this trend accelerated with the pandemic. The countries with advanced economies, which usually have mature housing markets, experienced stronger growth than countries with emerging economies. Real house price growth (accounting for inflation) peaked in 2022 and has since lost some of the gain. Although, many countries experienced a decline in house prices, the global house price index shows that property prices in 2023 were still substantially higher than before COVID-19. Renting vs. buying In the past, house prices have grown faster than rents. However, the home affordability has been declining notably, with a direct impact on rental prices. As people struggle to buy a property of their own, they often turn to rental accommodation. This has resulted in a growing demand for rental apartments and soaring rental prices.

Western Asset Mortgage Capital reported $-8.63M in Net Income for its fiscal quarter ending in June of 2023. Data for Western Asset Mortgage Capital | WMC - Net Income including historical, tables and charts were last updated by Trading Economics this last November in 2025.

Graph and download economic data for Net Loan Losses to Average Total Loans for Banks Geographically Located in Federal Reserve District 8: St. Louis Portion of Tennessee (DISCONTINUED) (TNPLSTL) from Q1 1984 to Q3 2020 about FRB STL District, gains/losses, TN, Net, loans, banks, depository institutions, and USA.