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Statistical Institute of Catalonia

Interest rates (TEDR and TAE). Credits

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Interest rates (TEDR). Credits Catalonia
	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011
New operations
Households and IPSAL
Housing	2.91	1.38	1.51	1.69	1.99	1.83	1.91	1.98	2.56	2.99	2.81	3.58
Consumptions	7.13	6.10	6.32	6.66	6.92	7.24	7.12	7.56	7.74	8.90	7.76	8.57
Other purposes	4.78	2.44	2.77	3.04	3.27	3.36	3.62	3.77	4.64	5.58	5.81	5.94
Non financial societies
Fins a 250.000 euros	3.53	1.69	1.87	1.87	2.05	2.33	2.64	3.26	4.18	5.12	5.22	5.17
Entre 250.000 i 1 milió d'euros	3.36	1.29	1.51	1.40	1.50	1.68	1.79	2.05	2.79	3.88	3.99	4.53
Més d'un milió	3.26	1.04	1.37	1.23	1.53	1.51	1.60	1.96	1.99	2.73	2.72	3.36
Outstanding balance
Households and IPSAL
Housing	2.13	1.10	1.17	1.22	1.22	1.21	1.29	1.53	1.89	2.11	2.61	3.12
Consumption and others	6.30	5.86	5.99	6.38	6.26	6.24	6.17	5.98	6.10	5.80	5.78	5.73
Non financial societies	2.71	1.65	1.70	1.77	1.86	1.89	2.04	2.38	2.84	3.44	3.47	3.90
Source: Banco de España.
Notes:
TEDR: Narrowly defined effective rate.
IPSAL: Private non profit making institutions.

Interest rates (TAE). Credits Catalonia
	New operations	Households and IPSAL	Housing	Consumptions	Other purposes	Non financial societies	Fins a 250.000 euros	Entre 250.000 i 1 milió d'euros	Més d'un milió
2022			3.12	8.44	5.37		4.41	3.60	3.52
2021			1.50	7.30	2.80		2.30	1.41	1.12
2020			1.67	7.57	3.12		2.55	1.66	1.43
2019			1.93	7.91	3.47		2.58	1.55	1.26
2018			2.24	8.31	3.72		2.67	1.70	1.59
2017			2.05	8.30	4.02		2.93	1.79	1.55
2016			2.19	8.14	4.26		3.29	1.91	1.63
2015			2.31	8.43	4.28		3.61	2.20	2.07
2014			2.64	8.98	4.91		4.56	2.91	2.09
2013			3.16	9.52	5.92		5.54	4.03	2.83
2012			2.93	8.31	6.23		5.67	4.27	3.00
2011			3.66	9.11	6.29		5.57	4.79	3.53
Source: Banco de España.
Notes:
TAE: Equivalent annual rate.
IPSAL: Private non profit making institutions.

Last update: March 27, 2024.

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.