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Statistical Institute of Catalonia

Interest rates (TEDR and TAE). Credits

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Interest rates (TEDR). Credits Catalonia
	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.

Interest rates (TAE). Credits Catalonia
	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.