REGULATION, FORMAL AND INFORMAL ... - ResearchGate

Figure A1. Distribution of household loans by type of interest rate
The figure shows the composition of household lending in various European countries by type of interest rate
arrangement (fixed-rate, variable-rate) for mortgages (panel A) and consumer credit (panel B). Data are from the
ECB and the Bank of Italy.
100%
90%
80%
70%
60%
50%
40%
30%
20%
10%
0%
100%
90%
80%
70%
60%
50%
40%
30%
20%
10%
0%
(a) loans for house purchase
IT DE FR SP NL UE
(b) consumer credit
IT DE FR SP NL UE
Fixed rate for more than 5 years
Fixed rate for a period between 1 and 5 years
Variable rate or fixed rate for less than 1 year