Interest rate for housing loans

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Housing loans are loans granted for home purchase or improvement. Such loans include loans to finance housing for own use or renting, including residential construction and renovation. Housing loans – mostly in the long-term segment – account for the bulk of the lending volume in Austria. For this reason, the development of the volume and conditions of housing loans not only has a significant influence on households’ financial situation, but is also highly relevant for the economy. The interest rate shows the capital weighted new business interest rate for housing loans, which is calculated on the basis of monetary statistics reports to the OeNB. Interest rates are defined as the annualized agreed rates in percent per annum. The annualized agreed rate covers all intra-year payments on deposits and loans, but no other charges that may apply.