Interest rates (TEDR and TAE). Credits
2010 | 2009 | 2008 | 2007 | 2006 | 2005 | 2004 | |
---|---|---|---|---|---|---|---|
New operations | |||||||
Households and IPSAL | |||||||
Housing | 2.60 | 2.53 | 5.65 | 5.38 | 4.56 | 3.32 | 3.23 |
Consumptions | 6.92 | 9.28 | 10.48 | 9.53 | 8.84 | 7.77 | 7.80 |
Other purposes | 5.16 | 4.48 | 6.51 | 6.36 | 5.09 | 4.18 | 4.20 |
Non financial societies | |||||||
Up to a million | 3.88 | 3.69 | 5.52 | 5.97 | 4.85 | 3.71 | 3.76 |
More than a million | 2.58 | 2.32 | 4.30 | 5.37 | 4.44 | 3.15 | 2.91 |
Outstanding balance | |||||||
Households and IPSAL | |||||||
Housing | 2.74 | 3.35 | 5.65 | 5.17 | 4.18 | 3.33 | 3.47 |
Consumption and others | 5.36 | 5.62 | 7.06 | 6.62 | 5.81 | 5.30 | 5.58 |
Non financial societies | 3.31 | 3.32 | 5.55 | 5.43 | 4.39 | 3.37 | 3.36 |
Source: Banco de España. | |||||||
Notes: | |||||||
TEDR: Narrowly defined effective rate. | |||||||
IPSAL: Private non profit making institutions. |
2010 | 2009 | 2008 | 2007 | 2006 | 2005 | 2004 | |
---|---|---|---|---|---|---|---|
New operations | |||||||
Households and IPSAL | |||||||
Housing | 2.66 | 2.62 | 5.83 | 5.53 | 4.74 | 3.46 | 3.39 |
Consumptions | 7.47 | 9.72 | 10.99 | 10.07 | 9.41 | 8.34 | 8.42 |
Other purposes | 5.64 | 4.95 | 7.03 | 6.84 | 5.58 | 4.60 | 4.69 |
Non financial societies | |||||||
Up to a million | 4.40 | 4.24 | 5.91 | 6.32 | 5.20 | 4.04 | 4.12 |
More than a million | 2.71 | 2.41 | 4.43 | 5.48 | 4.69 | 3.31 | 3.02 |
Source: Banco de España. | |||||||
Notes: | |||||||
TAE: Equivalent annual rate. | |||||||
IPSAL: Private non profit making institutions. |
Last update: March 3, 2015.
Methodological note
Definition of concepts
- Bank credit
- Monetary provision granted by banks to their clients in accordance with payment of stipulated interests. The overall amount of this credit corresponds to the sum of the quantities pending amortisation.
- Interest rate
- Percentage that a bank charges in compensation for a loan it has awarded.
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