HOUSE PRICES
in aggregate terms continue the positive trend of the previous year with some exceptions. The situation between and within different jurisdictions remained highly fragmented, with some markets recovering, while others continued to decline. Nonetheless, the rate of decline seems to have slowed down across the board.
HOUSING SUPPLY
in aggregate terms continue the positive trend of the previous year with some exceptions. The situation between and within different jurisdictions remained highly fragmented, with some markets recovering, while others continued to decline. Nonetheless, the rate of decline seems to have slowed down across the board.
TOTAL OUTSTANDING LENDING
surpassed EUR 7 trn for the first time, growing by 3.5% y-o-y. Also, for the first time since 2008, gross lending again surpassed the EUR 1 trn mark. This increase can be explained by both effectively augmented residential lending and the appreciation in 2015 of the British pound and Swedish krona, the currencies of the largest non-euro residential markets.
INTEREST RATES ON MORTGAGE LOANS
either continued to decrease or maintained the very low interest levels of the previous years as a reaction to the expansionary monetary policy stance of the ECB and other central banks in the EU. Nonetheless, over 2015, some timid signs of marginal rebounds have been observed in a number of countries.
Please find below an overview of the structure of Hypostat 2016:
KEY THEMES
- Housing and Mortgage Markets in 2015
- The Impact of the migratory influx on the demographic development and the housing market in Germany
- The energy efficient dimension in the mortgage market: an international comparative review
- EU28 Country Reports
STATISTICAL TABLES ON THE FOLLOWING:
- A. The Mortgage Market
- B. The Housing Market
- C. Funding of the Mortgage Market
- D. Macroeconomic Indicators
- Annex: Explanatory note on data
For past editions of Hypostat and the data Excel files, please contact the EMF Secretariat at
info@hypo.org.
On 5 September 2016, the EMF-ECBC published Hypostat 2016, which is its main statistical report, encompassing data on recent developments in housing and mortgage markets in the EU28 and beyond. Hypostat is the result of a collaborative effort by the European Mortgage Federation’s national delegations and external experts.
