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212037
Higher margins on housing loans
statistikk
2015-07-06T10:00:00.000Z
Banking and financial markets
en
renter, Interest rates in banks and mortgage companies, interest rates, interest on loans, deposit rates, interest margins, banks, mortgage companies, state lending institutions, life insurance companies, Norwegian Public Service Pension FundFinancial institutions and other financial corporations, Banking and financial markets
false
The interest rate margin on new loans secured on dwellings to households increased by 0.4 percentage points to 1.52 per cent in May 2015.

Interest rates in banks and mortgage companies, May 2015

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Delayed publication

Due to a new classification of deposits, interest rates on deposits will not be published in this release of interest statistics. It is not yet decided when interest rates on deposits will be published.

Higher margins on housing loans

The loan margins on new loans secured on dwellings to households increased by 0.04 percentage points in May. For loans outstanding, the corresponding loan margins increased by 0.03 percentage points. The interest rate on new fixed rate loans secured on dwellings increased by 0.05 percentage points.

Banks and mortgage companies, interest rates to households1Published 6 July 2015
May 2015April 2015Monthly change
1Banks and mortgage companies in monthly sample
Interest rates, new loans
Total loans secured on dwellings to households3.003.01-0.01
Total loans secured on dwellings, floating interest rate3.073.09-0.02
Total loans secured on dwellings, fixed interest rate2.602.550.05
 
Interest rates, loans outstanding
Total loans secured on dwellings to households3.243.26-0.02
Total loans secured on dwellings, floating interest rate3.223.23-0.01
Total loans secured on dwellings, fixed interest rate3.463.54-0.08
 
Loan margins
Loan margins, new total loans secured on dwellings to households1.521.480.04
Loan margins, total outstanding loans secured on dwellings to households1.761.730.03

Source: Statistics Norway

The loan margins on new loans secured on dwellings to households from a sample of banks and mortgage companies increased by 0.4 percentage points to 1.52 per cent after falling in the four previous months. The corresponding loan margins on outstanding loans increased by 0.3 percentage points to 1.76 per cent after falling in the three previous months. NIBOR fell by 0.05 percentage points after increasing in the three previous months.

The interest rate on new loans secured on dwellings to households was more or less stable at 3.00 per cent in May. The interest rate on outstanding loans secured on dwellings to households fell by 0.02 percentage points to 3.24 per cent.

Higher interest rates on new fixed rate loans

The fixed interest rate on new fixed rate loans secured on dwellings to households increased by 0.05 percentage points to 2.60 per cent, while the interest rate on outstanding fixed rate loans fell by 0.08 percentage points to 3.46 per cent. The floating interest rate on new loans secured on dwellings to households fell by 0.02 percentage points to 3.07 per cent. The floating interest rate on outstanding loans secured on dwellings to households was stable at 3.22 per cent.

Lower interest rates on other repayment loans to non-financial corporations

The interest rate on new other repayment loans to non-financial corporations fell by 0.30 percentage points to 3.07 per cent in May. For loans outstanding, the corresponding interest rate was almost the same as the previous month, at 3.49 per cent.