Among the factors that influence mortgage interest rates are inflation, economic growth, monetary policies, the bond market, lenders' stability, and the housing market's overall conditions. The mortgage interest rate in Romania fluctuated during the period under observation, with an upward trend from the second quarter of 2017 onwards. The first quarter of 2023 reached the highest value recorded — **** percent; by the fourth quarter of 2024, it dropped to **** percent.

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.

The mortgage interest rate in Finland generally decreased between 2014 and 2022, followed by an increase. Factors that influence mortgage interest rates include inflation, economic growth, monetary policies, the bond market, the stability of lenders, and the overall conditions of the housing market. The mortgage interest rate in Finland decreased to its lowest value of 0.69 percent in the fourth quarter of 2020 as part of an overall trend of falling mortgage interest rates in Europe. The mortgage interest rate has since risen to 4.31 percent by the second quarter of 2024.

Mortgage interest rates in Spain soared in 2022, after falling below 1.5 percent at the end of 2021. In the second quarter of 2024, the average weighted interest rate stood at 3.46 percent. That was lower than the rate in the same period the previous year. Despite the increase, Spain had a considerably lower mortgage interest rate than many other European countries.The aftermath of the property bubble Before the bursting of the real estate bubble, the housing market experienced a period of intense activity. A context marked by economic growth, high employment rate, low interest rates, skyrocketing house prices and land speculation, among others, encourage massive lending for the acquisition of property; in 2005 alone, more than 1.3 million home mortgages were granted in Spain. When the bubble burst and the financial crisis hit the country, residential real estate transactions plummeted and households’ non-performing loans jumped to nearly 50 billion euros as countless families were not able to cope with their debts. Over a decade after the onset of the crisis, and despite falling mortgage rates, the volume of mortgage loans keeps decreasing every year. A homeowner country Traditionally, Spain has been a country of homeowners; in 2021, the homeownership rate was roughly 76 percent. While nearly half of Spanish households own their property with no outstanding payment, the percentage of households that have loan or mortgage pending has been decreasing in recent years. Despite ownership remaining as the preferred tenure option, cultural changes, job insecurity and mounting house prices are prompting Spaniards to opt more and more to become tenants instead of owners, as shown in the changing dynamics of the Spanish residential rental market.

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.

The mortgage interest rate in France had been on a downward trend for nearly a decade, until it started to rise in 2022. In the fourth quarter of 2024, the interest rate amounted to *** percent, down from **** percent during the peak in the first quarter of the year. A similar trend can be observed across most European countries.

Mortgage rates in the Netherlands increased sharply in 2022 and 2023, after declining gradually between 2008 and 2021. In December 2022, the average interest rate for new mortgage loans stood at **** percent, and by the end of 2023, it had risen to **** percent. The 10-year interest rate was the lowest, at **** percent; the floating and less than one-year interest rates amounted to **** and **** percent, respectively. In early 2024, mortgage rates decreased notably. Are mortgage rates in the Netherlands different from those in other European countries? When comparing this ranking to data that covers multiple European countries, the Netherlands’ mortgage rate was similar to the rates found in Spain, the United Kingdom, and Sweden. It was, however, a lot lower than the rates in Eastern Europe. Hungary and Romania, for example, had some of the highest mortgage rates. For more information on the European mortgage market and how much the countries differ from each other, please visit this dedicated research page. How big is the mortgage market in the Netherlands? The Netherlands has overall seen an increase in the number of mortgage loans sold and is regarded as one of the countries with the highest mortgage debt in Europe. The reason behind this is that Dutch homeowners were able to for many years to deduct interest paid from pre-tax income (a system known in the Netherlands as hypotheekrenteaftrek). Total mortgage debt of Dutch households has been increasing year-on-year since 2013.

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.

Mortgage Rate in Australia decreased to 5.84 percent in May from 5.98 percent in April of 2025. This dataset includes a chart with historical data for Australia Mortgage Rate.

Chile Mortgage Rate: Bills: Term: 1 to 8 Years data was reported at 3.000 % pa in Jun 2015. This stayed constant from the previous number of 3.000 % pa for Apr 2015. Chile Mortgage Rate: Bills: Term: 1 to 8 Years data is updated monthly, averaging 4.319 % pa from Dec 2000 (Median) to Jun 2015, with 144 observations. The data reached an all-time high of 7.162 % pa in Dec 2000 and a record low of 0.000 % pa in Feb 2015. Chile Mortgage Rate: Bills: Term: 1 to 8 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. The data for Dec-2014 and Jan-2015 are as per information released by Superintendency of Banks and Financial Institutions. Being verified with source.

Chile Mortgage Rate: Bills: Term: 8 to 12 Years data was reported at 2.100 % pa in Aug 2016. This records a decrease from the previous number of 2.700 % pa for Feb 2016. Chile Mortgage Rate: Bills: Term: 8 to 12 Years data is updated monthly, averaging 4.300 % pa from Dec 2000 (Median) to Aug 2016, with 165 observations. The data reached an all-time high of 7.300 % pa in Dec 2000 and a record low of 0.000 % pa in Apr 2015. Chile Mortgage Rate: Bills: Term: 8 to 12 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. The data for Dec-2014 and Jan-2015 are as per information released by Superintendency of Banks and Financial Institutions. Being verified with source.

Graph and download economic data for Expenditures: Mortgage Interest and Charges by Deciles of Income Before Taxes: Fifth 10 Percent (41st to 50th Percentile) (CXUOWNMORTGLB1506M) from 2014 to 2023 about percentile, mortgage, tax, expenditures, interest, income, and USA.

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.

Mortgage credit interest rate, percent in Montenegro, March, 2025 The most recent value is 4.99 percent as of March 2025, a decline compared to the previous value of 5.01 percent. Historically, the average for Montenegro from September 2011 to March 2025 is 6.08 percent. The minimum of 4.24 percent was recorded in August 2021, while the maximum of 9.91 percent was reached in August 2014. | TheGlobalEconomy.com

The Italian mortgage market has grown substantially since 2014, with the value of mortgages outstanding increasing by about 62 billion euros until 2024. In the first quarter of 2014, the value of mortgages outstanding amounted to 359 billion euros and in the second quarter of 2024, it exceeded 421 billion euros. Mortgage interest rates in Italy The mortgage interest rates in Italy decreased significantly, falling to record lows, before rising dramatically in 2022. The period of decline in mortgage interest rates probably helped revive the residential real estate market in the country, which suffered after the financial crisis of 2008. In fact, the number of transactions in the sector increased steadily since 2013. A regional overview In some areas of the country, the residential real estate market appears to be more dynamic than in others. In fact, in 2022, the North-West of Italy accounted for more than one third of all transactions in the sector. When looking closely at the single regions, Lombardy was the most active, with more than 165,000 transactions registered. The second most prolific market was found in the region of Lazio, which recorded approximately 77 thousand transactions.

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.

United States WAS: Total Points: 5-Year ARM data was reported at 0.320 % in 27 Jul 2018. This records an increase from the previous number of 0.290 % for 20 Jul 2018. United States WAS: Total Points: 5-Year ARM data is updated weekly, averaging 0.370 % from Jan 2011 (Median) to 27 Jul 2018, with 394 observations. The data reached an all-time high of 0.680 % in 16 Mar 2018 and a record low of 0.050 % in 30 May 2014. United States WAS: Total Points: 5-Year ARM data remains active status in CEIC and is reported by Mortgage Bankers Association. The data is categorized under Global Database’s USA – Table US.M013: Weekly Applications Survey: Mortgage Interest Rate.

Lending Rate: Foreign Currencies Mortgage Loans: YB: Quarterly: CF: Kaluga Region data was reported at 10.310 % pa in Dec 2014. This records a decrease from the previous number of 10.350 % pa for Sep 2014. Lending Rate: Foreign Currencies Mortgage Loans: YB: Quarterly: CF: Kaluga Region data is updated quarterly, averaging 10.490 % pa from Sep 2006 (Median) to Dec 2014, with 34 observations. The data reached an all-time high of 13.710 % pa in Jun 2009 and a record low of 9.890 % pa in Jun 2011. Lending Rate: Foreign Currencies Mortgage Loans: YB: Quarterly: 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.MB012: Lending Rate: Foreign Currencies Housing Loans: ow Mortgage: by Region: Average from Year Beginning.

United States WAS: Total Points: 30-Year Jumbo data was reported at 0.290 % in 16 Nov 2018. This records an increase from the previous number of 0.280 % for 09 Nov 2018. United States WAS: Total Points: 30-Year Jumbo data is updated weekly, averaging 0.310 % from Jan 2011 (Median) to 16 Nov 2018, with 410 observations. The data reached an all-time high of 0.640 % in 17 Jun 2011 and a record low of 0.060 % in 27 Jun 2014. United States WAS: Total Points: 30-Year Jumbo data remains active status in CEIC and is reported by Mortgage Bankers Association. The data is categorized under Global Database’s United States – Table US.M013: Weekly Applications Survey: Mortgage Interest Rate.

The benchmark interest rate in Mexico was last recorded at 8 percent. This dataset provides - Mexico Interest Rate - actual values, historical data, forecast, chart, statistics, economic calendar and news.