Mortgage interest rates in Europe soared in 2022 and remained elevated in 2023. In many countries, this resulted in interest rates more than doubling. In Denmark, the average mortgage interest rate rose from 0.67 percent in 2021 to 4.98 percent in 2023. 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 will allow mortgage lenders to reduce mortgage interest rates. What is the impact of interest rates on homebuying? 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.

The benchmark interest rate in Sweden was last recorded at 2.25 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.

This package contains all of the code necessary to reproduce and tables and figures in Cumming and Dettling (forthcoming), "Monetary Policy and Birth Rates: The Effect of Mortgage Rate Pass-through on Fertility" Review of Economic Studies. Detailed instructions are also given about accessing the raw data.

The mortgage interest rate in Ireland increased notably in 2023. From 2.77 percent in the fourth quarter of 2022, the rate reached 4.19 percent in the same quarter of 2023. This was part of an overall trend of increasing mortgage interest rates in Europe. 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 benchmark interest rate in Norway was last recorded at 4.50 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.

The benchmark interest rate In the Euro Area was last recorded at 2.65 percent. This dataset provides - Euro Area Interest Rate - actual values, historical data, forecast, chart, statistics, economic calendar and news.

Just as in many other countries, the housing market in the UK grew substantially during the coronavirus pandemic, fueled by robust demand and low borrowing costs. Nevertheless, high inflation and the increase in mortgage rates has led to house price growth slowing down. According to the forecast, 2024 is expected to see house prices decrease by three percent. Between 2024 and 2028, the average house price growth is projected at 2.7 percent. A contraction after a period of continuous growth In June 2022, the UK's house price index exceeded 150 index points, meaning that since 2015 which was the base year for the index, house prices had increased by 50 percent. In just two years, between 2020 and 2022, the index surged by 30 index points. As the market stood in December 2023, the average price for a home stood at approximately 284,691 British pounds. Rents are expected to continue to grow According to another forecast, the prime residential market is also expected to see rental prices grow in the next years. Growth is forecast to be stronger in 2024 and slow down in the period between 2025 and 2028. The rental market in London is expected to follow a similar trend, with Central London slightly outperforming Greater London.

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.

The benchmark interest rate in Czech Republic was last recorded at 3.75 percent. This dataset provides the latest reported value for - Czech Republic Interest Rate - plus previous releases, historical high and low, short-term forecast and long-term prediction, economic calendar, survey consensus and news.

The benchmark interest rate in Pakistan was last recorded at 12 percent. This dataset provides - Pakistan Interest Rate - actual values, historical data, forecast, chart, statistics, economic calendar and news.

The India Home Mortgage Finance Market Report is Segmented by Source (Housing Finance Companies (HFCs) and Banks), by Interest Rate (Fixed Rate and Floating Rate), and by Tenure (Up To 5 Years, 6 - 10 Years, 11 - 24 Years, and 25 - 30 Years). The Report Offers Market Size and Forecasts for India Home Mortgage Finance Market in Value (USD Million) for all the Above Segments.

Between January 2018 and February 2025, the United Kingdom's consumer price inflation rate showed notable volatility. The rate hit its lowest point at 0.5 percent in August 2020 and peaked at 9.6 percent in October 2022. By September 2024, inflation had moderated to 2.6 percent, but the following months saw inflation increase again. The Bank of England's interest rate policy closely tracked these inflationary trends. Rates remained low at 0.5-0.75 percent until April 2020, when they were reduced to 0.1 percent in response to economic challenges. A series of rate increases followed, reaching a peak of 5.25 percent from August 2023 to July 2024. The central bank then initiated rate cuts in August and November 2024, lowering the rate to 4.75 percent, signaling a potential shift in monetary policy. In February 2025, the Bank of England implemented another rate cut, setting the bank rate at 4.5 percent. Global context of inflation and interest rates The UK's experience reflects a broader international trend of rising inflation and subsequent central bank responses. From January 2022 to July 2024, advanced and emerging economies alike increased their policy rates to counter inflationary pressures. However, a shift began in late 2024, with many countries, including the UK, starting to lower rates. This change suggests a potential new phase in the global economic cycle and monetary policy approach. Comparison with other major economies The UK's monetary policy decisions align closely with those of other major economies. The United States, for instance, saw its federal funds rate peak at 5.33 percent in August 2023, mirroring the UK's rate trajectory. Similarly, central bank rates in the EU all increased drastically between 2022 and 2024. These synchronized movements reflect the global nature of inflationary pressures and the coordinated efforts of central banks to maintain economic stability. As with the UK, both the U.S. and EU began considering rate cuts in late 2024, signaling a potential shift in the global economic landscape.

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

The benchmark interest rate in Japan was last recorded at 0.50 percent. This dataset provides - Japan Interest Rate - actual values, historical data, forecast, chart, statistics, economic calendar and news.

Clients can request access to data for a targeted audience by setting geographic boundaries as well as multiple attribute filters. By specifying the target criteria and focusing on an extremely specific list of consumers that matches their desired interest, they can run their sales and service campaigns with great efficiency. Clients can create direct consumer outreach data files at their fingertips with the power of artificial intelligence to guide them through valuable analytic research. We work closely with our clients to understand their specific goals and help them understand their options and solidify their focus on selections that optimize their budget by creating narrowly focused consumer data list that are right on point! Personal identification such as names, address, cellphone numbers (where available) and landline phone numbers (where available) are automatically included in the resultant data products. Verified emails may also be appended in the order as an option to their data by request and purchase. We look forward to guiding clients through the process to serve the best interests of their needs. To provide this service to our clients as they expect and deserve, we need to understand the goals and limitations of their project and budget. For potential and current clients who want or need personal assistance through the data selection and filtering process, we ask them to please ask us for help by allowing us to guide through the process. To begin the process, clients must first provide us with a good description of the desired criteria, and we will review it for clarity.

These are a minimum basic guide to filtering attribute criteria, but others will certainly apply based on the project specific goals: 1.) Full Name and email Address of Requestor 2.) Identify, by name, of the Organization requesting the data 3.) Provide a Valid Budget expectation so we can focus on suitable data 4.) Provide a specific geographic Region of Interest for your data request 5.) Include filtering criteria to be used to process the data, such as: • Home Purchase Price • Purchase Price Code • Home Purchase Year • Year Built • Estimated Current Value Code • Mortgage Amount • Mortgage Amount Code • Mortgage Rate 6.) Available emails (unverified) 7.) Available fully verified emails 8.) Are cell phone numbers for individuals a requirement? 9.) How urgently do you need this data delivered?

Standard delivery is within 3 to 5 business days of full agreement of request criteria when verified emails are included. Expedited delivery is within 1 business day of full agreement of request criteria when there is no need of verified emails. Universities are welcomed and they usually qualify for special academic discounts (please ask if you think this may apply). We always follow laws and regulations of the USA for consumer data products. Therefore, an additional validation processes may be required based on location and request. We do not provide legal advice to our clients, but we try to help them by providing as much information on the topics we know. Keep in mind, each state in the union may or may not have legal restrictions on the consumer data and it is the client's responsibility to be aware and comply with all laws regarding data we may provide.

Abstract (en): This data collection provides information on the characteristics of a national sample of housing units, including apartments, single-family homes, mobile homes, and vacant housing units. Unlike previous years, the data are presented in seven separate parts: Part 1, Work Done Record (Replacement or Additions to the House), Part 2, Journey to Work Record, Part 3, Mortgages (Owners Only), Part 4, Housing Unit Record (Main Record), Recodes (One Record per Housing Unit), and Weights, Part 5, Manager and Owner Record (Renters Only), Part 6, Person Record, Part 7, Mover Group Record. Data include year the structure was built, type and number of living quarters, occupancy status, access, number of rooms, presence of commercial establishments on the property, and property value. Additional data focus on kitchen and plumbing facilities, types of heating fuel used, source of water, sewage disposal, heating and air-conditioning equipment, and major additions, alterations, or repairs to the property. Information provided on housing expenses includes monthly mortgage or rent payments, cost of services such as utilities, garbage collection, and property insurance, and amount of real estate taxes paid in the previous year. Also included is information on whether the household received government assistance to help pay heating or cooling costs or for other energy-related services. Similar data are provided for housing units previously occupied by respondents who had recently moved. Additionally, indicators of housing and neighborhood quality are supplied. Housing quality variables include privacy of bedrooms, condition of kitchen facilities, basement or roof leakage, breakdowns of plumbing facilities and equipment, and overall opinion of the structure. For quality of neighborhood, variables include use of exterminator services, existence of boarded-up buildings, and overall quality of the neighborhood. In addition to housing characteristics, some demographic data are provided on household members, such as age, sex, race, marital status, income, and relationship to householder. Additional data provided on the householder include years of school completed, Spanish origin, length of residence, and length of occupancy. Please review the "Sample Status, Weights, Interview Status" section in the ICPSR codebook for this American Housing Survey study, as well as Appendix B in CURRENT HOUSING REPORTS, 2007, included with this collection. ICPSR data undergo a confidentiality review and are altered when necessary to limit the risk of disclosure. ICPSR also routinely creates ready-to-go data files along with setups in the major statistical software formats as well as standard codebooks to accompany the data. In addition to these procedures, ICPSR performed the following processing steps for this data collection: Checked for undocumented or out-of-range codes.. Housing Units in the United States. The 2007 national data are from a sample of housing units interviewed between April and September 2007. The same basic sample of housing units is interviewed every 2 years until a new sample is selected. The United States Census Bureau updates the sample by adding newly constructed housing units and units discovered through coverage improvement efforts. For the 2007 American Housing Survey--National sample (AHS-N), approximately 60,000 sample housing units were originally selected for interview. Due to budgetary constraints, roughly 8 percent of these units were taken out of the sample and were not interviewed in 2007. These reduced units are eligible for reinstatement in future enumerations. About 2,150 of the remaining 55,000 total units included for interview were found to be ineligible because the unit no longer existed or because the units did not meet the AHS-N definition of a housing unit. Of the 52,850 eligible sample units, about 6,550 were classified (both occupied and vacant housing units), as ''Type A'' noninterviews because (a) no one was at home after repeated visits, (b) the respondent refused to be interviewed, or (c) the interviewer was unable to find the unit. This classification produced an unweighted overall response rate of 88 percent. The weighted overall response rate was 89 percent. computer-assisted personal interview (CAPI)Beginning in 1997, the methods of collecting and processing American Housing Survey (AHS) data were redesigned. All interviews are conducted using computer-assisted personal interviewing (CAPI) ...

Pawn Shop Market size was valued at USD 39.94 Billion in 2024 and is projected to reach USD 50.67 Billion by 2031, growing at a CAGR of 3.02 % during the forecast period 2024-2031.

Global Pawn Shop Market Drivers

Short-Term Loans: Pawn shops offer a convenient and accessible way for individuals to obtain short-term loans, especially in situations of financial need.
Quick Cash: Pawn shops provide a fast and efficient way to convert personal belongings into cash, often within a short period.
Affordable Loans: Pawn shop loans typically have lower interest rates compared to other types of short-term loans, making them more affordable for borrowers.

Global Pawn Shop Market Restraints

Interest Rates: While pawn shop interest rates may be lower than some other short-term loans, they can still be relatively high.
Limited Loan Amounts: Pawn shops typically offer smaller loan amounts compared to traditional financial institutions.
Risk of Collateral Loss: If a borrower is unable to repay the loan, the pawn shop may sell the collateral to recover the loan amount, resulting in loss of personal belongings.

This table contains 38 series, with data starting from 1957 (not all combinations necessarily have data for all years). This table contains data described by the following dimensions (Not all combinations are available): Geography (1 item: Canada), Rates (38 items: Bank rate; Chartered bank administered interest rates - prime business; Chartered bank - consumer loan rate; Forward premium or discount (-), United States dollars in Canada: 1 month; ...).

The UK’s total loan balances outstanding (including credit card balances, personal loan balances, and residential mortgage balances outstanding) recorded a compound annual growth rate (CAGR) of 3.3% during 2014-18 to reach £1,626.6bn ($2,075.6bn). The majority of loan balances outstanding are from home loans, with residential mortgage balances outstanding accounting for 86.7% of total balances in 2018, followed by personal loans (8.8%) and credit cards (4.5%). However, uncertainty on account of Brexit and its impact on the economy will affect the growth of total loan balances outstanding in the coming years. As a result, we estimate total loan balances outstanding to record a subdued CAGR of 2.7% over 2019-23. The UK lending space is dominated by Lloyds Banking Group, Barclays, and RBS Group – a trend that is anticipated to continue over the coming years. However, they may face increased competition from non-bank lenders, digital banks, and digital lending platforms breaking into the market and offering low interest rates and hassle-free loan approvals. The savings market in the UK recorded a CAGR of 3.9% over 2014-18 to reach £1,433.7bn ($1,829.4bn) in 2018. The market grew at a higher rate compared to loan balances during the five-year review period due to economic uncertainty surrounding Brexit. Read More

The benchmark interest rate in Switzerland was last recorded at 0.25 percent. This dataset provides - Switzerland Interest Rate - actual values, historical data, forecast, chart, statistics, economic calendar and news.