Abstract copyright UK Data Service and data collection copyright owner.The Survey of Mortgage Lenders (SML) was launched on 1st April 1992 to succeed the 5% Sample Survey of Building Society Mortgage Completions (BSM) (See GN:33191). The aims were to improve the survey in three principal ways: a) to broaden the range of institutions surveyed to incorporate other mortgage lenders in addition to building societies and Abbey National. With the entry of the high street banks and then the centralised lenders into the mortgage market, information provided by the building societies no longer represented the whole market in the way it did when the BSM was set up in the 1960s. b) to extend its coverage to include further advances, remortgages and top-up loans in addition to first mortgages. c) to increase the level of detail on the questionnaire especially with respect to the characteristics of the mortgage loan. An important consideration for users of the data is that the SML figures allow continuity with the BSM survey results to be maintained for a reasonable period. Main Topics: Financial institution code, date mortgage completed, whether dwelling is wholly or partly occupied by borrower. Mortgage amount, type of advance, whether solely for purchase of property, period of mortgage, gross rate of interest, whether the interest charged is fixed or variable rate, whether interest payments are discounted or deferred, repayment method, source of mortgage business, purchase price and whether discounted in any way, location of dwelling, whether new, age of dwelling, type of dwelling, number of habitable rooms, number, sex and age of borrowers, basic income of main borrower, other income and total income on which mortgage is based, whether applicant previously owner occupier, previous tenure. The institutions are divided into four strata according to the size of their assets. All the largest were asked to complete questionnaires on a sample of 5 per cent of their new mortgage advances. Mortgages are included if their reference numbers end in specified digits chosen so that every twentieth mortgage is selected. Institutions in the next stratum are arranged in order of size of assets and alternate institutions chosen each of which are asked to complete questionnaires on 10 per cent of their mortgages. In the next stratum 20 per cent of the mortgages of every fourth institution are obtained. The smallest institutions are completely excluded.

The year 2021 saw the peak in issuance of residential mortgage backed securities (MBS), at *** trillion U.S. dollars. Since then, MBS issuance has slowed, reaching *** trillion U.S. dollars in 2023. What are mortgage backed securities? A mortgage backed security is a financial instrument in which mortgages are bundled together and sold to investors. The idea is that the risk of these individual mortgages is pooled when they are packaged together. This is a sound investment policy, unless the foreclosure rate increases significantly in a short amount of time. Mortgage risk Since mortgages are loans backed by an asset, the house, the risk is often considered relatively low. However, the loan maturities are very long, sometimes decades, meaning lenders must factor in the risk of a shift in the economic climate. As such, interest rates on longer mortgages tend to be higher than on shorter loans. The ten-year treasury yield influences these rates, since it is a long-term rate that most investors accept as risk-free. Additionally, a decline in the value of homeowner equity could lead to a situation where the debtor is “underwater” and owes more than the home is worth.

Venezuela Maximum Mortgage Rate: Low data was reported at 9.660 % pa in Jul 2014. This stayed constant from the previous number of 9.660 % pa for Jun 2014. Venezuela Maximum Mortgage Rate: Low data is updated monthly, averaging 11.360 % pa from Jan 1996 (Median) to Jul 2014, with 223 observations. The data reached an all-time high of 63.800 % pa in Sep 1998 and a record low of 8.550 % pa in Aug 2011. Venezuela Maximum Mortgage Rate: Low data remains active status in CEIC and is reported by Central Bank of Venezuela. The data is categorized under Global Database’s Venezuela – Table VE.M003: Lending Rate. Data lag exhibited in the series is caused by the delay of data releases from the Central Bank of Venezuela.

Mortgage credit interest rate, percent in Jamaica, April, 2025 The most recent value is 7.53 percent as of April 2025, an increase compared to the previous value of 7.5 percent. Historically, the average for Jamaica from January 1996 to April 2025 is 13.02 percent. The minimum of 6.2 percent was recorded in October 2009, while the maximum of 34.71 percent was reached in May 1996. | TheGlobalEconomy.com

Graph and download economic data for Expenditures: Mortgage Interest and Charges by Education: Total, Less Than College Graduate (CXUOWNMORTGLB1302M) from 1996 to 2012 about no college, mortgage, expenditures, education, interest, and USA.

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

United States FCI-G Index: 1-Yr Lookback: Mortgage Rate data was reported at -0.011 Index in Mar 2025. This records a decrease from the previous number of 0.015 Index for Feb 2025. United States FCI-G Index: 1-Yr Lookback: Mortgage Rate data is updated monthly, averaging -0.029 Index from Jan 1990 (Median) to Mar 2025, with 423 observations. The data reached an all-time high of 0.544 Index in Nov 2022 and a record low of -0.256 Index in Jan 1996. United States FCI-G Index: 1-Yr Lookback: Mortgage Rate data remains active status in CEIC and is reported by Federal Reserve Board. The data is categorized under Global Database’s United States – Table US.S021: Financial Conditions Impulse on Growth.

MBA Mortgage Market Index in the United States decreased to 277.10 points in August 15 from 281.10 points in the previous week. This dataset includes a chart with historical data for the United States MBA Mortgage Market Index.

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

Graph and download economic data for Expenditures: Mortgage Interest and Charges by Education: Associate Degree (CXUOWNMORTGLB1306M) from 1996 to 2012 about associate degree, mortgage, expenditures, education, interest, and USA.

Venezuela BCV: Maximum Mortgage Rate: High data was reported at 10.660 % pa in Jul 2014. This stayed constant from the previous number of 10.660 % pa for Jun 2014. Venezuela BCV: Maximum Mortgage Rate: High data is updated monthly, averaging 14.390 % pa from Jan 1996 (Median) to Jul 2014, with 223 observations. The data reached an all-time high of 63.800 % pa in Sep 1998 and a record low of 9.870 % pa in Mar 2007. Venezuela BCV: Maximum Mortgage Rate: High data remains active status in CEIC and is reported by Central Bank of Venezuela. The data is categorized under Global Database’s Venezuela – Table VE.M003: Lending Rate. Data lag exhibited in the series is caused by the delay of data releases from the Central Bank of Venezuela.

This data collection provides information on the characteristics of the housing inventory in nine selected Metropolitan Statistical Areas (MSAs). Data include year the structure was built, type and number of living quarters, occupancy status, presence of commercial or medical establishments on the property, and property value. Additional data focus on kitchen and plumbing facilities, type of heating fuel used, source of water, sewage disposal, and heating and air conditioning equipment. Data concerned with housing quality describe the condition of the walls and floors, adequacy of heat in the winter, information on heating equipment breakdowns, availability of room electrical outlets, concealed wiring, and basement and roof water leakage. Data relating to housing expenses include mortgage or monthly rent payments, utility costs, and fuel and garbage collection fees. Information solicited from respondents who moved recently included the characteristics of the previous unit and reasons for moving. Other data indicate the presence of and objection to neighborhood conditions such as street noise, crime, litter, commercial activity, and institutional industrial activity, as well as the availability of public transportation, schools, shopping facilities, police, and hospitals. Information on condominiums covers amount and frequency of mortgage payment, amount of property insurance, real estate tax, utility costs, and condominium fees. In addition to housing characteristics, data for each household member are available on age, sex, race, marital status, income, and relationship to householder. Additional data on years of school completed, Spanish origin, length of residence, and tenure are provided for the householder. Income sources identified in the data include wages, rent, dividends, Social Security, unemployment and workmen's compensation, government and private pensions, and alimony and child support.

Bank Lending Rate in Malaysia decreased to 4.89 percent in June from 4.94 percent in May of 2025. This dataset provides - Malaysia Bank Lending Rate - actual values, historical data, forecast, chart, statistics, economic calendar and news.

Graph and download economic data for Expenditures: Mortgage Interest and Charges by Generation: Birth Year from 1981 to 1996 (CXUOWNMORTGLB1608M) from 2019 to 2023 about birth, mortgage, expenditures, interest, and USA.

Key information about Philippines Long Term Interest Rate

• Philippines Long Term Interest Rate: Month End: Philippines: Treasury Bond Rate: 10 Years was reported at 6.12 % pa in Feb 2025, compared with 6.25 % pa in the previous month.
• Philippines Long Term Interest Rate data is updated monthly, available from Sep 1996 to Feb 2025.
• The data reached an all-time high of 21.07 % pa in Nov 1997 and a record low of 2.72 % pa in Jan 2021.
• Long Term Interest Rate is reported by reported by CEIC Data.

• In the latest reports, Philippines Short Term Interest Rate: Month End: Treasury Bill Rate: 91 Days was reported at 5.38 % pa in Jan 2025.
• The cash rate (Policy Rate: Month End: Overnight Lending Facility) was set at 7.00 % pa in May 2024.
• Philippines Exchange Rate against USD averaged 55.89 (USD/PHP) in Jun 2023.

House price index is based on average new house price value at loan approval stage and therefore has not been adjusted for changes in the mix of houses and apartments sold. Interest rates is based on building societies mortgage loans, published by Central Statistics Office up to 2007.
From 2008 interest rates is average rate of all 'mortgage lenders' reporting to the Central Bank.
From 2014 it is based on the floating rate for new customers as published by the Central Bank (Retail interest rates - Table B2.1). The reason for the drop between 2013 and 2014 is due to the difference in methodology - the 2014 data is the weighted average rate on new loan agreements. Further information can be found here:
http://www.centralbank.ie/polstats/stats/cmab/Documents/Retail_Interest_Rate_Statistics_Explanatory_Notes.pdf
Earnings is based on the average weekly earnings of adult workers in manufacturing industries, published by the Central Statistics Office. This series has been updated since 1996 using a new methodology and therefore it is not directly comparable with those for earlier years. House Construction Cost Index is based on the 1st day of the third month of each quarter.
Consumer Price index is based on the Consumer Price Index, published by the Central Statistics Office.
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.

Key information about India Long Term Interest Rate

• India Government Securities Yield: 10 Years was reported at 6.71 % pa in Jan 2025, compared with 6.78 % pa in the previous month.
• India Long Term Interest Rate data is updated monthly, available from May 1996 to Jan 2025.
• The data reached an all-time high of 13.96 % pa in May 1996 and a record low of 5.11 % pa in Oct 2003.
• Long Term Interest Rate is reported by reported by Reserve Bank of India.

• In the latest reports, India Short Term Interest Rate: Month End: India: MIBOR: 3 Months was reported at 7.19 % pa in Jun 2023.
• The cash rate (Policy Rate: Month End: Repo Rate) was set at 6.50 % pa in Jan 2025.
• India Exchange Rate against USD averaged 82.23 (USD/INR) in Jun 2023.

House price index is based on average new house price value at loan approval stage and therefore has not been adjusted for changes in the mix of houses and apartments sold. Interest rates is based on building societies mortgage loans, published by Central Statistics Office up to 2007. From 2008 interest rates is average rate of all 'mortgage lenders' reporting to the Central Bank. From 2014 it is based on the floating rate for new customers as published by the Central Bank (Retail interest rates - Table B2.1). The reason for the drop between 2013 and 2014 is due to the difference in methodology - the 2014 data is the weighted average rate on new loan agreements. Further information can be found here: http://www.centralbank.ie/polstats/stats/cmab/Documents/Retail_Interest_Rate_Statistics_Explanatory_Notes.pdf Earnings is based on the average weekly earnings of adult workers in manufacturing industries, published by the Central Statistics Office. This series has been updated since 1996 using a new methodology and therefore it is not directly comparable with those for earlier years. House Construction Cost Index is based on the 1st day of the third month of each quarter. Consumer Price index is based on the Consumer Price Index, published by the Central Statistics Office. 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.

Quarterly Market Information Indices. Published by Department of Housing, Local Government, and Heritage. Available under the license Creative Commons Attribution Share-Alike 4.0 (CC-BY-SA-4.0).House price index is based on average new house price value at loan approval stage and therefore has not been adjusted for changes in the mix of houses and apartments sold.
Interest rates is based on building societies mortgage loans, published by Central Statistics Office up to 2007.
From 2008 interest rates is average rate of all 'mortgage lenders' reporting to the Central Bank.
From 2014 it is based on the floating rate for new customers as published by the Central Bank (Retail interest rates - Table B2.1). The reason for the drop between 2013 and
2014 is due to the difference in methodology - the 2014 data is the weighted average rate on new loan agreements. Further information can be found here:
http://www.centralbank.ie/polstats/stats/cmab/Documents/Retail_Interest_Rate_Statistics_Explanatory_Notes.pdf
Earnings is based on the average weekly earnings of adult workers in manufacturing industries, published by the Central Statistics Office. This series has been updated since 1996 using a new methodology and therefore it is not directly comparable with those for earlier years. House Construction Cost Index is based on the 1st day of the third month of each quarter.
Consumer Price index is based on the Consumer Price Index, published by the Central Statistics Office.
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. ...

The benchmark interest rate in Poland was last recorded at 5 percent. This dataset provides - Poland Interest Rate - actual values, historical data, forecast, chart, statistics, economic calendar and news.