In the United States, interest rates for all mortgage types started to increase in 2021. This was due to the Federal Reserve introducing a series of hikes in the federal funds rate to contain the rising inflation. In the first quarter of 2024, the 30-year fixed rate declined slightly, to 6.75 percent. Despite the cut, this was about 3.9 percentage points higher than the same quarter in 2021. Why have U.S. home sales decreased? Cheaper mortgages normally encourage consumers to buy homes, while higher borrowing costs have the opposite effect. As interest rates increased in 2022, the number of existing homes sold plummeted. Soaring house prices over the past 10 years have further affected housing affordability. Between 2013 and 2023, the median price of an existing single-family home risen by about 88 percent. On the other hand, the median weekly earnings have risen much slower. Comparing mortgage terms and rates Between 2008 and 2023, the average rate on a 15-year fixed-rate mortgage in the United States stood between 2.28 and 6.11 percent. Over the same period, a 30-year mortgage term averaged a fixed-rate of between 3.08 and 6.81 percent. Rates on 15-year loan terms are lower to encourage a quicker repayment, which helps to improve a homeowner’s equity.

Graph and download economic data for Margin for 1-Year Adjustable Rate Mortgage in the North Central Freddie Mac Region (DISCONTINUED) (MORTMRGN1NC) from 1988-02-19 to 2015-12-31 about North Central Freddie Mac Region, margin, 1-year, adjusted, mortgage, rate, and USA.

Honduras HN: Lending Rate data was reported at 19.259 % pa in 2017. This records a decrease from the previous number of 19.332 % pa for 2016. Honduras HN: Lending Rate data is updated yearly, averaging 19.388 % pa from Dec 1982 (Median) to 2017, with 36 observations. The data reached an all-time high of 32.067 % pa in 1997 and a record low of 15.375 % pa in 1988. Honduras HN: Lending Rate data remains active status in CEIC and is reported by International Monetary Fund. The data is categorized under Global Database’s Honduras – Table HN.IMF.IFS: Lending, Saving and Deposit Rates: Annual.

Graph and download economic data for Expenditures: Mortgage Interest and Charges by Size of Consumer Unit: Two or More People in Consumer Unit (CXUOWNMORTGLB0503M) from 1988 to 2023 about consumer unit, mortgage, expenditures, consumer, interest, persons, and USA.

Abstract copyright UK Data Service and data collection copyright owner.

The 5% Sample Survey of Building Society Mortgage Completions (BSM) has been in existence since 1965. The Archive holds data from 1974.
Monthly returns, giving detailed information on a nominal 5% sample of all mortgage completions, have been submitted on a voluntary basis by most building societies to the Department of Environment who process the data on a quarterly basis.
The survey results have served as the offical source of statistics on the owner-occupied housing market, providing a wealth of information on mortgage advances, dwelling prices and the characteristics of borrowers and properties.
An increased share of the mortgage market being accounted for by other lenders and a widening range of mortgage products during the 1980s have necessitated change, leading to the BSM being succeeded by the Survey of Mortgage Lenders (SML) in 1992 (see GN: 33254).
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:
Building Society code, date mortgage completed, whether dwelling is wholly or partly occupied by borrower. Mortgage amount, whether solely for purchase of property, period of mortgage, gross rate of interest, repayment method. Purchase price and whether discounted in any way. Location of dwelling, whether new, age of dwelling, type, number of habitable rooms, whether garage, rateable value. Number and sex of borrowers, age of main borrower, basic income, other income, total income, whether applicant previously owner occupier, previous tenure, whether main borrower nominated by LA under support lending scheme.

China Nominal Lending Rate: 1-5 Year (Including 5 Year) data was reported at 4.750 % pa in 24 Mar 2025. This stayed constant from the previous number of 4.750 % pa for 23 Mar 2025. China Nominal Lending Rate: 1-5 Year (Including 5 Year) data is updated daily, averaging 4.750 % pa from Sep 1988 (Median) to 24 Mar 2025, with 13354 observations. The data reached an all-time high of 5.750 % pa in 10 May 2015 and a record low of 4.750 % pa in 24 Mar 2025. China Nominal Lending Rate: 1-5 Year (Including 5 Year) data remains active status in CEIC and is reported by The People's Bank of China. The data is categorized under China Premium Database’s Money Market, Interest Rate, Yield and Exchange Rate – Table CN.MA: Rediscount and Lending Rate. [COVID-19-IMPACT]

Graph and download economic data for Expenditures: Mortgage Interest and Charges by Composition of Consumer Unit: Total Married Couple with Children Consumer Units (CXUOWNMORTGLB0604M) from 1988 to 2023 about married, consumer unit, mortgage, expenditures, child, interest, and USA.

Despite the housing market in the United States slowing in 2022, the number of cash transactions increased. One of the main reasons for this was the substantial increase in mortgage rates, making a cash purchase the better option for the home buyers who could afford it. About 56,000 cash home sales took place in 2023, which was one in ten housing transactions. It was also one of the highest figures recorded since 1989.

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

Graph and download economic data for Expenditures: Mortgage Interest and Charges by Age: Age 65 or over (CXUOWNMORTGLB0407M) from 1988 to 2023 about 65-years +, age, mortgage, expenditures, interest, and USA.

This table contains data described by the following dimensions (Not all combinations are available): Geography (27 items: Barrie; Ontario; Brantford; Ontario; Belleville; Ontario ...).

Lebanon LB: Lending Interest Rate data was reported at 8.090 % pa in 2017. This records a decrease from the previous number of 8.230 % pa for 2016. Lebanon LB: Lending Interest Rate data is updated yearly, averaging 16.100 % pa from Dec 1982 (Median) to 2017, with 35 observations. The data reached an all-time high of 44.457 % pa in 1988 and a record low of 7.070 % pa in 2012. Lebanon LB: Lending Interest Rate data remains active status in CEIC and is reported by World Bank. The data is categorized under Global Database’s Lebanon – Table LB.World Bank.WDI: Interest Rates. Lending rate is the bank rate that usually meets the short- and medium-term financing needs of the private sector. This rate is normally differentiated according to creditworthiness of borrowers and objectives of financing. The terms and conditions attached to these rates differ by country, however, limiting their comparability.; ; International Monetary Fund, International Financial Statistics and data files.; ;

This table contains data described by the following dimensions (Not all combinations are available): Geography (96 items: Alma; Quebec; Bathurst; New Brunswick; Brandon; Manitoba; Baie-Comeau; Quebec ...).

This table contains data described by the following dimensions (Not all combinations are available): Geography (28 items: Census metropolitan areas; Saguenay; Quebec; Edmonton; Alberta; Calgary; Alberta ...).

Fastrente på 30 år i USA gjennomsnittlig 6,88 prosent i uken som endte 21. februar 2025. Gjeldende verdier, historiske data, prognoser, statistikk, diagrammer og økonomiske kalender - USA - Boliglånsrente.

Real interest rates describe the growth in the real value of the interest on a loan or deposit, adjusted for inflation. Nominal interest rates on the other hand show us the raw interest rate, which is unadjusted for inflation. If the inflation rate in a certain country were zero percent, the real and nominal interest rates would be the same number. As inflation reduces the real value of a loan, however, a positive inflation rate will mean that the nominal interest rate is more likely to be greater than the real interest rate. We can see this in the recent inflationary episode which has taken place in the wake of the Coronavirus pandemic, with nominal interest rates rising over the course of 2022, but still lagging far behind the rate of inflation, meaning these rate rises register as smaller increases in the real interest rate.

The benchmark interest rate in Mexico was last recorded at 9.50 percent. This dataset provides - Mexico Interest Rate - actual values, historical data, forecast, chart, statistics, economic calendar and news.

The benchmark interest rate in Hong Kong was last recorded at 4.75 percent. This dataset provides the latest reported value for - Hong Kong Interest Rate - plus previous releases, historical high and low, short-term forecast and long-term prediction, economic calendar, survey consensus and news.

This table contains data described by the following dimensions (Not all combinations are available): Geography (27 items: Barrie; Ontario; Brantford; Ontario; Belleville; Ontario ...).

Peru PE: Real Interest Rate data was reported at 11.350 % pa in 2011. This records a decrease from the previous number of 12.319 % pa for 2010. Peru PE: Real Interest Rate data is updated yearly, averaging 20.013 % pa from Dec 1986 (Median) to 2011, with 26 observations. The data reached an all-time high of 76.428 % pa in 1991 and a record low of -60.034 % pa in 1988. Peru PE: Real Interest Rate data remains active status in CEIC and is reported by World Bank. The data is categorized under Global Database’s Peru – Table PE.World Bank: Interest Rates. Real interest rate is the lending interest rate adjusted for inflation as measured by the GDP deflator. The terms and conditions attached to lending rates differ by country, however, limiting their comparability.; ; International Monetary Fund, International Financial Statistics and data files using World Bank data on the GDP deflator.; ;