95 datasets found
  1. Central bank interest rates in the U.S. and Europe 2022-2023, with a...

    • statista.com
    • ai-chatbox.pro
    Updated Jun 20, 2025
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    Statista (2025). Central bank interest rates in the U.S. and Europe 2022-2023, with a forecast to 2027 [Dataset]. https://www.statista.com/statistics/1429525/policy-interest-rates-forecast-in-europe-and-us/
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    Dataset updated
    Jun 20, 2025
    Dataset authored and provided by
    Statistahttp://statista.com/
    Area covered
    United States
    Description

    Policy interest rates in the U.S. and Europe are forecasted to decrease gradually between 2024 and 2027, following exceptional increases triggered by soaring inflation between 2021 and 2023. The U.S. federal funds rate stood at **** percent at the end of 2023, the European Central Bank deposit rate at **** percent, and the Swiss National Bank policy rate at **** percent. With inflationary pressures stabilizing, policy interest rates are forecast to decrease in each observed region. The U.S. federal funds rate is expected to decrease to *** percent, the ECB refi rate to **** percent, the Bank of England bank rate to **** percent, and the Swiss National Bank policy rate to **** percent by 2025. An interesting aspect to note is the impact of these interest rate changes on various economic factors such as growth, employment, and inflation. The impact of central bank policy rates The U.S. federal funds effective rate, crucial in determining the interest rate paid by depository institutions, experienced drastic changes in response to the COVID-19 pandemic. The subsequent slight changes in the effective rate reflected the efforts to stimulate the economy and manage economic factors such as inflation. Such fluctuations in the federal funds rate have had a significant impact on the overall economy. The European Central Bank's decision to cut its fixed interest rate in June 2024 for the first time since 2016 marked a significant shift in attitude towards economic conditions. The reasons behind the fluctuations in the ECB's interest rate reflect its mandate to ensure price stability and manage inflation, shedding light on the complex interplay between interest rates and economic factors. Inflation and real interest rates The relationship between inflation and interest rates is critical in understanding the actions of central banks. Central banks' efforts to manage inflation through interest rate adjustments reveal the intricate balance between economic growth and inflation. Additionally, the concept of real interest rates, adjusted for inflation, provides valuable insights into the impact of inflation on the economy.

  2. Mortgage affordability in the UK 2002-2022 with a forecast until 2026

    • statista.com
    Updated Dec 4, 2023
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    Statista (2023). Mortgage affordability in the UK 2002-2022 with a forecast until 2026 [Dataset]. https://www.statista.com/statistics/1175257/mortgage-affordability-in-the-uk/
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    Dataset updated
    Dec 4, 2023
    Dataset authored and provided by
    Statistahttp://statista.com/
    Area covered
    United Kingdom
    Description

    Due to interest rates decreasing in recent years, mortgages in the United Kingdom have become overall more affordable: In 2007, when mortgages were the least affordable, a home buyer spent on average 23.6 percent of their income on mortgage interest and 7.2 percent on capital repayment. In 2019, the year with the most affordable mortgages, mortgage interest accounted for 5.9 percent and capital repayment was 11.5 percent of their income. As interest rates increase in response to the rising inflation, mortgage affordability is expected to worsen. Though below the levels observed before 2007, the total mortgage repayment between 2022 and 2026 is expected to exceed 23 percent of income.

  3. Forecast: Household Expenditure on Mortgage Interest and Charges in the US...

    • reportlinker.com
    Updated Apr 11, 2024
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    ReportLinker (2024). Forecast: Household Expenditure on Mortgage Interest and Charges in the US 2022 - 2026 [Dataset]. https://www.reportlinker.com/dataset/5a6de07b2b4a316b017d9215f6d0f02ecead7220
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    Dataset updated
    Apr 11, 2024
    Dataset authored and provided by
    ReportLinker
    License

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

    Area covered
    United States
    Description

    Forecast: Household Expenditure on Mortgage Interest and Charges in the US 2022 - 2026 Discover more data with ReportLinker!

  4. F

    15-Year Fixed Rate Mortgage Average in the United States

    • fred.stlouisfed.org
    json
    Updated Jul 3, 2025
    + more versions
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    (2025). 15-Year Fixed Rate Mortgage Average in the United States [Dataset]. https://fred.stlouisfed.org/series/MORTGAGE15US
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    jsonAvailable download formats
    Dataset updated
    Jul 3, 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 2025-07-03 about 15-year, fixed, mortgage, interest rate, interest, rate, and USA.

  5. Mortgage value forecast change in the Netherlands 2021-2022, with forecast...

    • ai-chatbox.pro
    • statista.com
    Updated Jan 10, 2024
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    Statista Research Department (2024). Mortgage value forecast change in the Netherlands 2021-2022, with forecast until 2023 [Dataset]. https://www.ai-chatbox.pro/?_=%2Ftopics%2F4265%2Fresidential-real-estate-in-the-benelux%2F%23XgboD02vawLbpWJjSPEePEUG%2FVFd%2Bik%3D
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    Dataset updated
    Jan 10, 2024
    Dataset provided by
    Statistahttp://statista.com/
    Authors
    Statista Research Department
    Area covered
    Netherlands
    Description

    The Dutch Central Bank (DNB) estimated that the growth of mortgage lending will slow down in 2023 and 2024, after originations rose by 3.5 percent in 2022. That can be explained with the accelerated house price growth in recent years and the higher interest rates, eroding housing affordability. Within Europe, the Netherlands counts as one of the countries with the highest mortgage debt among private individuals. This has a political background as the Dutch tax system allowed homeowners to deduct interest paid on mortgage from pre-tax income for a maximum period of thirty year, essentially allowing for income support for homeowners. In the Netherlands, this system is known as hypotheekrenteaftrek.

  6. T

    Sweden Interest Rate

    • tradingeconomics.com
    • pt.tradingeconomics.com
    • +12more
    csv, excel, json, xml
    Updated May 8, 2025
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    TRADING ECONOMICS (2025). Sweden Interest Rate [Dataset]. https://tradingeconomics.com/sweden/interest-rate
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    csv, excel, xml, jsonAvailable download formats
    Dataset updated
    May 8, 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
    May 26, 1994 - Jun 18, 2025
    Area covered
    Sweden
    Description

    The benchmark interest rate in Sweden was last recorded at 2 percent. This dataset provides the latest reported value for - Sweden Interest Rate - plus previous releases, historical high and low, short-term forecast and long-term prediction, economic calendar, survey consensus and news.

  7. Average mortgage interest rates in the UK 2000-2025, by month and type

    • statista.com
    Updated Jun 24, 2025
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    Statista (2025). Average mortgage interest rates in the UK 2000-2025, by month and type [Dataset]. https://www.statista.com/statistics/386301/uk-average-mortgage-interest-rates/
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    Dataset updated
    Jun 24, 2025
    Dataset authored and provided by
    Statistahttp://statista.com/
    Time period covered
    Jan 2000 - May 2025
    Area covered
    United Kingdom
    Description

    Mortgage rates increased at a record pace in 2022, with the 10-year fixed mortgage rate doubling between March 2022 and December 2022. With inflation increasing, the Bank of England introduced several bank rate hikes, resulting in higher mortgage rates. In May 2025, the average 10-year fixed rate interest rate reached **** percent. As borrowing costs get higher, demand for housing is expected to decrease, leading to declining market sentiment and slower house price growth. How have the mortgage hikes affected the market? After surging in 2021, the number of residential properties sold declined in 2023, reaching just above *** million. Despite the number of transactions falling, this figure was higher than the period before the COVID-19 pandemic. The falling transaction volume also impacted mortgage borrowing. Between the first quarter of 2023 and the first quarter of 2024, the value of new mortgage loans fell year-on-year for five straight quarters in a row. How are higher mortgages affecting homebuyers? Homeowners with a mortgage loan usually lock in a fixed rate deal for two to ten years, meaning that after this period runs out, they need to renegotiate the terms of the loan. Many of the mortgages outstanding were taken out during the period of record-low mortgage rates and have since faced notable increases in their monthly repayment. About **** million homeowners are projected to see their deal expire by the end of 2026. About *** million of these loans are projected to experience a monthly payment increase of up to *** British pounds by 2026.

  8. Forecast: Bank Lending Interest Rate in Canada 2022 - 2026

    • reportlinker.com
    Updated Apr 12, 2024
    + more versions
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    ReportLinker (2024). Forecast: Bank Lending Interest Rate in Canada 2022 - 2026 [Dataset]. https://www.reportlinker.com/dataset/dea2ffea60fdb9a255882b6749697b7c7cee4462
    Explore at:
    Dataset updated
    Apr 12, 2024
    Dataset authored and provided by
    ReportLinker
    License

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

    Area covered
    Canada
    Description

    Forecast: Bank Lending Interest Rate in Canada 2022 - 2026 Discover more data with ReportLinker!

  9. T

    United States Fed Funds Interest Rate

    • tradingeconomics.com
    • ko.tradingeconomics.com
    • +13more
    csv, excel, json, xml
    Updated Jul 2, 2025
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    TRADING ECONOMICS (2025). United States Fed Funds Interest Rate [Dataset]. https://tradingeconomics.com/united-states/interest-rate
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    xml, excel, json, csvAvailable download formats
    Dataset updated
    Jul 2, 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
    Aug 4, 1971 - Jun 18, 2025
    Area covered
    United States
    Description

    The benchmark interest rate in the United States was last recorded at 4.50 percent. This dataset provides the latest reported value for - United States Fed Funds Rate - plus previous releases, historical high and low, short-term forecast and long-term prediction, economic calendar, survey consensus and news.

  10. M

    30 Year Fixed Mortgage Rate - Historical Chart

    • macrotrends.net
    csv
    Updated Jul 31, 2025
    + more versions
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    MACROTRENDS (2025). 30 Year Fixed Mortgage Rate - Historical Chart [Dataset]. https://www.macrotrends.net/2604/30-year-fixed-mortgage-rate-chart
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    csvAvailable download formats
    Dataset updated
    Jul 31, 2025
    Dataset authored and provided by
    MACROTRENDS
    License

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

    Time period covered
    1971 - 2025
    Area covered
    United States
    Description

    Interactive historical chart showing the 30 year fixed rate mortgage average in the United States since 1971.

  11. France Mortgage Rate: Avg: Consumer: Up to 1 Year

    • ceicdata.com
    Updated Jan 15, 2025
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    CEICdata.com (2025). France Mortgage Rate: Avg: Consumer: Up to 1 Year [Dataset]. https://www.ceicdata.com/en/france/mortgage-rate/mortgage-rate-avg-consumer-up-to-1-year
    Explore at:
    Dataset updated
    Jan 15, 2025
    Dataset provided by
    CEIC Data
    License

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

    Time period covered
    Feb 1, 2024 - Jan 1, 2025
    Area covered
    France
    Variables measured
    Lending Rate
    Description

    France Mortgage Rate: Avg: Consumer: Up to 1 Year data was reported at 3.780 % in Mar 2025. This records an increase from the previous number of 3.750 % for Feb 2025. France Mortgage Rate: Avg: Consumer: Up to 1 Year data is updated monthly, averaging 3.120 % from Jan 2003 (Median) to Mar 2025, with 267 observations. The data reached an all-time high of 5.380 % in Dec 2008 and a record low of 1.160 % in Feb 2022. France Mortgage Rate: Avg: Consumer: Up to 1 Year data remains active status in CEIC and is reported by Banque de France. The data is categorized under Global Database’s France – Table FR.M007: Mortgage Rate. http://www.banque-france.fr/gb/stat_conjoncture/series/statmon/html/statmon.htm [COVID-19-IMPACT]

  12. Mortgage Rates By Banks in Canada

    • rates.ca
    Updated Jul 24, 2024
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    RATESDOTCA (2024). Mortgage Rates By Banks in Canada [Dataset]. https://rates.ca/mortgage-rates
    Explore at:
    Dataset updated
    Jul 24, 2024
    Dataset provided by
    RATESDOTCA Group Ltd.
    Authors
    RATESDOTCA
    Time period covered
    2001 - 2023
    Area covered
    Canada
    Variables measured
    Mortgage rates
    Description

    Rates have been trending downward in Canada for the last five years. The ebbs and flows are caused by changes in Canada’s bond yields (driven by Canadians economic developments and international rate movements, particularly U.S. rate fluctuations) and the overnight rate (which is set by the Bank of Canada). As of August 2022, there has been a 225 bps increase in the prime rate, since beginning of year 2022, from 2.45% to 4.70% as of Aug 24th 2022. The following are the historical conventional mortgage rates offered by the 6 major chartered banks in Canada in the past 20 years.

  13. Mortgage interest rates in selected countries worldwide 2024

    • statista.com
    • ai-chatbox.pro
    Updated Jun 20, 2025
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    Statista (2025). Mortgage interest rates in selected countries worldwide 2024 [Dataset]. https://www.statista.com/statistics/1211807/mortgage-interest-rates-globally-by-country/
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    Dataset updated
    Jun 20, 2025
    Dataset authored and provided by
    Statistahttp://statista.com/
    Time period covered
    Jun 2024
    Area covered
    Worldwide
    Description

    Mortgage interest rates worldwide varied greatly in 2024, from less than **** percent in many European countries, to as high as ** percent in Turkey. The average mortgage rate in a country depends on the central bank's base lending rate and macroeconomic indicators such as inflation and forecast economic growth. Since 2022, inflationary pressures have led to rapid increase in mortgage interest rates. Which are the leading mortgage markets? An easy way to estimate the importance of the mortgage sector in each country is by comparing household debt depth, or the ratio of the debt held by households compared to the county's GDP. In 2023, Switzerland, Australia, and Canada had some of the highest household debt to GDP ratios worldwide. While this indicator shows the size of the sector relative to the country’s economy, the value of mortgages outstanding allows to compare the market size in different countries. In Europe, for instance, the United Kingdom, Germany, and France were the largest mortgage markets by outstanding mortgage lending. Mortgage lending trends in the U.S. In the United States, new mortgage lending soared in 2021. This was largely due to the growth of new refinance loans that allow homeowners to renegotiate their mortgage terms and replace their existing loan with a more favorable one. Following the rise in interest rates, the mortgage market cooled, and refinance loans declined.

  14. F

    30-Year Fixed Rate Veterans Affairs Mortgage Index

    • fred.stlouisfed.org
    json
    Updated Jul 3, 2025
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    (2025). 30-Year Fixed Rate Veterans Affairs Mortgage Index [Dataset]. https://fred.stlouisfed.org/series/OBMMIVA30YF
    Explore at:
    jsonAvailable download formats
    Dataset updated
    Jul 3, 2025
    License

    https://fred.stlouisfed.org/legal/#copyright-citation-requiredhttps://fred.stlouisfed.org/legal/#copyright-citation-required

    Description

    Graph and download economic data for 30-Year Fixed Rate Veterans Affairs Mortgage Index (OBMMIVA30YF) from 2017-01-03 to 2025-07-02 about veterans, 30-year, fixed, mortgage, rate, indexes, and USA.

  15. F

    30-Year Fixed Rate FHA Mortgage Index

    • fred.stlouisfed.org
    json
    Updated Jul 3, 2025
    + more versions
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    (2025). 30-Year Fixed Rate FHA Mortgage Index [Dataset]. https://fred.stlouisfed.org/series/OBMMIFHA30YF
    Explore at:
    jsonAvailable download formats
    Dataset updated
    Jul 3, 2025
    License

    https://fred.stlouisfed.org/legal/#copyright-citation-requiredhttps://fred.stlouisfed.org/legal/#copyright-citation-required

    Description

    Graph and download economic data for 30-Year Fixed Rate FHA Mortgage Index (OBMMIFHA30YF) from 2017-01-03 to 2025-07-02 about FHA, 30-year, fixed, mortgage, rate, indexes, and USA.

  16. Forecast: Bank Lending Interest Rate in Mexico 2022 - 2026

    • reportlinker.com
    Updated Apr 9, 2024
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    ReportLinker (2024). Forecast: Bank Lending Interest Rate in Mexico 2022 - 2026 [Dataset]. https://www.reportlinker.com/dataset/a3282df212b7b46bdb215c13d69960315d718be5
    Explore at:
    Dataset updated
    Apr 9, 2024
    Dataset authored and provided by
    ReportLinker
    License

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

    Area covered
    Mexico
    Description

    Forecast: Bank Lending Interest Rate in Mexico 2022 - 2026 Discover more data with ReportLinker!

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

    • statista.com
    • ai-chatbox.pro
    Updated May 7, 2025
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    Statista (2025). Average mortgage interest rate in Europe 2020-2024, by country [Dataset]. https://www.statista.com/statistics/615037/mortgage-interest-rate-europe/
    Explore at:
    Dataset updated
    May 7, 2025
    Dataset authored and provided by
    Statistahttp://statista.com/
    Area covered
    Europe
    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 **** percent in 2020 to **** percent in 2023, before falling to **** 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.

  18. T

    Norway Interest Rate

    • tradingeconomics.com
    • fa.tradingeconomics.com
    • +13more
    csv, excel, json, xml
    Updated Jun 19, 2025
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    TRADING ECONOMICS (2025). Norway Interest Rate [Dataset]. https://tradingeconomics.com/norway/interest-rate
    Explore at:
    xml, excel, csv, jsonAvailable download formats
    Dataset updated
    Jun 19, 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
    Jan 1, 1991 - Jun 19, 2025
    Area covered
    Norway
    Description

    The benchmark interest rate in Norway was last recorded at 4.25 percent. This dataset provides the latest reported value for - Norway Interest Rate - plus previous releases, historical high and low, short-term forecast and long-term prediction, economic calendar, survey consensus and news.

  19. N

    North America Mortgage/Loan Brokers Market Report

    • datainsightsmarket.com
    doc, pdf, ppt
    Updated Jan 14, 2025
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    Data Insights Market (2025). North America Mortgage/Loan Brokers Market Report [Dataset]. https://www.datainsightsmarket.com/reports/north-america-mortgageloan-brokers-market-19687
    Explore at:
    doc, pdf, pptAvailable download formats
    Dataset updated
    Jan 14, 2025
    Dataset authored and provided by
    Data Insights Market
    License

    https://www.datainsightsmarket.com/privacy-policyhttps://www.datainsightsmarket.com/privacy-policy

    Time period covered
    2025 - 2033
    Area covered
    Global
    Variables measured
    Market Size
    Description

    The North America mortgage/loan brokers market is poised for steady growth, with a market size of XX million and a CAGR of 5.00% during the forecast period of 2025-2033. The market is driven by rising homeownership rates, increasing mortgage interest rates, and growing demand for refinancing. Additionally, the emergence of fintech companies offering innovative mortgage products and services is further propelling market growth. Key market trends include the increasing use of technology to improve the mortgage process, the growing popularity of jumbo loans, and the rising demand for reverse mortgages. However, the market is also subject to certain restraints, such as regulatory changes and economic downturns. Major players in the market include Penny Mac, Home Point, Caliber Home Loans, and Fairway Independent Corporation. The United States is the largest market for mortgage/loan brokers in North America, followed by Canada. Recent developments include: In November 2022, To expand the use of eNotes across 250 locations in 49 states, Primary Residential Mortgage Inc. (PRMI) employed the eVault and digital closing platform from Snapdocs., In August 2022, Due to the slowdown in home sales caused by rising interest rates, the two biggest mortgage lenders in the US are increasing pressure on their smaller rivals by providing discounts and other incentives. The two biggest mortgage originators in the US, Rocket Mortgage and United Wholesale Mortgage, respectively, are pursuing aggressive strategies at a time when many lenders are leaving the market or going out of business.. Notable trends are: Increase in Digitization in Lending and Blockchain Technology is driving the market.

  20. Forecast: Bank Lending Interest Rate in Japan 2022 - 2026

    • reportlinker.com
    Updated Apr 12, 2024
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    ReportLinker (2024). Forecast: Bank Lending Interest Rate in Japan 2022 - 2026 [Dataset]. https://www.reportlinker.com/dataset/6455d798a02c366d3dfd9cb88d87a7f4e334fc28
    Explore at:
    Dataset updated
    Apr 12, 2024
    Dataset authored and provided by
    ReportLinker
    License

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

    Area covered
    Japan
    Description

    Forecast: Bank Lending Interest Rate in Japan 2022 - 2026 Discover more data with ReportLinker!

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Statista (2025). Central bank interest rates in the U.S. and Europe 2022-2023, with a forecast to 2027 [Dataset]. https://www.statista.com/statistics/1429525/policy-interest-rates-forecast-in-europe-and-us/
Organization logo

Central bank interest rates in the U.S. and Europe 2022-2023, with a forecast to 2027

Explore at:
Dataset updated
Jun 20, 2025
Dataset authored and provided by
Statistahttp://statista.com/
Area covered
United States
Description

Policy interest rates in the U.S. and Europe are forecasted to decrease gradually between 2024 and 2027, following exceptional increases triggered by soaring inflation between 2021 and 2023. The U.S. federal funds rate stood at **** percent at the end of 2023, the European Central Bank deposit rate at **** percent, and the Swiss National Bank policy rate at **** percent. With inflationary pressures stabilizing, policy interest rates are forecast to decrease in each observed region. The U.S. federal funds rate is expected to decrease to *** percent, the ECB refi rate to **** percent, the Bank of England bank rate to **** percent, and the Swiss National Bank policy rate to **** percent by 2025. An interesting aspect to note is the impact of these interest rate changes on various economic factors such as growth, employment, and inflation. The impact of central bank policy rates The U.S. federal funds effective rate, crucial in determining the interest rate paid by depository institutions, experienced drastic changes in response to the COVID-19 pandemic. The subsequent slight changes in the effective rate reflected the efforts to stimulate the economy and manage economic factors such as inflation. Such fluctuations in the federal funds rate have had a significant impact on the overall economy. The European Central Bank's decision to cut its fixed interest rate in June 2024 for the first time since 2016 marked a significant shift in attitude towards economic conditions. The reasons behind the fluctuations in the ECB's interest rate reflect its mandate to ensure price stability and manage inflation, shedding light on the complex interplay between interest rates and economic factors. Inflation and real interest rates The relationship between inflation and interest rates is critical in understanding the actions of central banks. Central banks' efforts to manage inflation through interest rate adjustments reveal the intricate balance between economic growth and inflation. Additionally, the concept of real interest rates, adjusted for inflation, provides valuable insights into the impact of inflation on the economy.

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