The European Mortgage Federation (EMF) is pleased to announce the publication today of the 2025 edition of Hypostat, the EMF’s annual statistical publication encompassing data on recent developments in housing and mortgage markets in Europe and beyond.

 

The 2025 edition (covering data until end 2024) presents data and analyses for 31 European countries (the EU27 plus Iceland, Norway, Switzerland and the United Kingdom), as well as data from nine additional countries further afield (Australia, Canada, Brazil, Japan, Russia, Singapore, South Korea, Turkey and the United States of America).

 

Besides the country specific data, Hypostat 2025 includes four external articles on housing affordability by expert authors:

• Housing Policies: The Affordability Challenge
  Luiz de Mello, Organisation for Economic Cooperation and Development
• Housing Affordability: The Measurement Conundrum
  Marja C. Hoek-Smit, Wharton School – University of Pennsylvania
• Financing the Future: How the International Secondary Mortgage Association (ISMMA) is Driving Affordable and Sustainable Housing in an Uncertain World
  Oscar Mgaya, ISMMA Chairman & Tanzania Mortgage Refinance Company
• Making Homes Affordable: Global Lessons, Policy Innovations, and Market Approaches
  Simon Walley, World Bank 

As in recent years, the EMF will also host a special Virtual Publication Event. More information regarding the scheduling of this event and how to register will follow in due course.

 

Hypostat 2025 is the result of a collaborative effort by EMF national delegations and external experts. On behalf of the EMF Research & Data Committee, which coordinates the preparation of each year’s report, and its Chairman, Mr Gyula Nagy, we would like to sincerely thank all contributors for making the publication of Hypostat 2025 possible.

 

Commenting on Hypostat 2025, Luca Bertalot, EMF-ECBC Secretary General, stated:

“Housing lays the foundation for freedom, dignity and opportunity, paving a solid path towards lasting peace and shared prosperity. Housing policies for their part represent a major social lift, with the potential to support each and every citizen in realising their future expectations. In this context, and following on from months of financial turmoil and geopolitical crisis, housing and housing finance are issues which are taking central stage in a new way in global political debates. In such a dynamic landscape and in particular in the context of supporting the transition to a more sustainable economy, the financial sector can play a critical role in strengthening the capability of societies and political decision makers to respond efficiently and effectively to the real needs of citizens and businesses. Indeed, worldwide, an ‘efficient, sustainable and sound housing ecosystem’ is seen as one of the drivers for long-term sustainable economic growth and social integration.”

 

Contact

Eva Dervaux 

Junior Research and Data Adviser

Tel: +32 472 052 217

edervaux@hypo.org