Notes: % of households
Notes: % of households
Notes: % of households
Notes: % of households
Notes: % of households
Notes: % of households
Notes: % of households
Notes: % of households
Notes: % of households
Notes: % of households
Notes: % of households
Notes: % of households
Notes: % of households
Notes: % of households
Notes: % of households
Notes: % of households
Notes: % of households
Notes: % of households
Notes: % of households
Notes: % of households
Notes: % of households
Notes: % of households
Notes: % of households
Notes: % of households
Notes: % of households
Notes: % of households with market rate rent
Notes: % of households with market rate rent
Notes: % of households with market rate rent
Notes: % of households with market rate rent
Notes: % of households with market rate rent
Notes: % of households with market rate rent
Notes: % of households with market rate rent
Notes: % of households with market rate rent
Notes: % of households with market rate rent
Notes: % of households with market rate rent
Notes: % of households with market rate rent
Notes: % of households with market rate rent
Notes: % of households with reduced or free rent
Notes: % of households with reduced or free rent
Notes: % of households with reduced or free rent
Notes: % of households with reduced or free rent
Notes: % of households with reduced or free rent
Notes: % of households with reduced or free rent
Notes: % of households with reduced or free rent
Notes: % of households with reduced or free rent
Notes: % of households with reduced or free rent
Notes: % of households with reduced or free rent
Notes: % of households with reduced or free rent
Notes: % of households with reduced or free rent
Notes: 2010=100
Notes: 2010=100
Notes: 2010=100
Notes: 2010=100
Notes: 2010=100
Notes: 2010=100
Notes: 2010=100
Notes: 2010=100
Notes: 2010=100
Notes: 2010=100
Notes: 2010=100
Notes: 2010=100
Notes: 2010=100
Notes: 2010=100
Notes: 2010=100
Notes: 2010=100
Notes: 2010=100
Notes: 2010=100
Notes: 2010=100
Notes: 2010=100
Notes: 2010=100
Notes: 2010=100
Notes: 2010=100
Notes: 2010=100
Notes: 2010=100
Notes: 2010=100
Notes: ALTUM is a state-owned development finance institution that offers housing loan guarantees
Notes: ALTUM is a state-owned development finance institution that offers housing loan guarantees
Notes: ALTUM is a state-owned development finance institution that offers housing loan guarantees
Notes: ALTUM is a state-owned development finance institution that offers housing loan guarantees
Notes: ALTUM is a state-owned development finance institution that offers housing loan guarantees
Notes: ALTUM is a state-owned development finance institution that offers housing loan guarantees
Notes: ALTUM is a state-owned development finance institution that offers housing loan guarantees of up to 80% of principal, up to 10 years
Notes: ALTUM is a state-owned development finance institution that offers housing loan guarantees of up to 80% of principal, up to 10 years
Notes: ALTUM is a state-owned development finance institution that offers housing loan guarantees of up to 80% of principal, up to 10 years
Notes: ALTUM is a state-owned development finance institution that offers housing loan guarantees of up to 80% of principal, up to 10 years
Notes: ALTUM is a state-owned development finance institution that offers housing loan guarantees of up to 80% of principal, up to 10 years
Notes: ALTUM is a state-owned development finance institution that offers housing loan guarantees of up to 80% of principal, up to 10 years
Notes: Bank of Latvia is on the Macroprudential Council
Notes: Bank of Latvia is on the Macroprudential Council
Notes: Bank of Latvia is on the Macroprudential Council
Notes: Bank of Latvia is on the Macroprudential Council
Notes: Bank of Latvia is on the Macroprudential Council
Notes: Bank of Latvia is on the Macroprudential Council
Notes: Capital gains tax of 15%
Notes: Capital gains tax of 15%
Notes: Capital gains tax of 15%
Notes: Capital gains tax of 15%
Notes: Capital gains tax of 15%
Notes: Capital gains tax of 15%
Notes: Euro monetary union rate
Notes: Euro monetary union rate
Notes: Euro monetary union rate
Notes: Euro monetary union rate
Notes: Euro monetary union rate
Notes: Euro monetary union rate
Notes: Euro monetary union rate
Notes: Euro monetary union rate
Notes: Euro monetary union rate
Notes: Euro monetary union rate
Notes: Euro monetary union rate
Notes: Euro monetary union rate
Notes: Euro monetary union rate
Notes: Euro monetary union rate
Notes: Euro monetary union rate
Notes: Euro monetary union rate
Notes: Euro monetary union rate
Notes: Euro monetary union rate
Notes: Euro monetary union rate
Notes: Euro monetary union rate
Notes: Euro monetary union rate
Notes: Euro monetary union rate
Notes: Euro monetary union rate
Notes: Euro monetary union rate
Notes: Euro monetary union rate
Notes: Euro monetary union rate
Notes: Euro monetary union rate
Notes: Euro monetary union rate
Notes: Euro monetary union rate
Notes: Euro monetary union rate
Notes: Euro monetary union rate
Notes: Euro monetary union rate
Notes: Euro monetary union rate
Notes: Euro monetary union rate
Notes: Euro monetary union rate
Notes: Euro monetary union rate
Notes: Euro monetary union rate
Notes: Euro monetary union rate
Notes: Euro monetary union rate
Notes: Euro monetary union rate
Notes: Euro monetary union rate
Notes: Euro monetary union rate
Notes: Euro monetary union rate
Notes: Euro monetary union rate
Notes: Euro monetary union rate
Notes: Euro monetary union rate
Notes: Euro monetary union rate
Notes: Financial and Capital Market Commission and Ministry of Finance also form the Macroprudential Council
Notes: Financial and Capital Market Commission and Ministry of Finance also form the Macroprudential Council
Notes: Financial and Capital Market Commission and Ministry of Finance also form the Macroprudential Council
Notes: Financial and Capital Market Commission and Ministry of Finance also form the Macroprudential Council
Notes: Financial and Capital Market Commission and Ministry of Finance also form the Macroprudential Council
Notes: Financial and Capital Market Commission and Ministry of Finance also form the Macroprudential Council
Notes: Kreditinformacijas Birojs became the first licensed credit bureau in Latvia in September 2015
Notes: Loan guarantee fees are subsidized for families with dependent children
Notes: Loan guarantee fees are subsidized for families with dependent children
Notes: Loan guarantee fees are subsidized for families with dependent children
Notes: Loan guarantee fees are subsidized for families with dependent children
Notes: Max 95% LTV with state guarantee
Notes: Max 95% LTV with state guarantee
Notes: Max 95% LTV with state guarantee
Notes: Max 95% LTV with state guarantee
Notes: Max 95% LTV with state guarantee
Notes: Max 95% LTV with state guarantee
Notes: Max 95% LTV with state guarantee
Notes: Max 95% LTV with state guarantee
Notes: Max 95% LTV with state guarantee
Notes: Max 95% LTV with state guarantee
Notes: Max 95% LTV with state guarantee
Notes: Maximum tenure for top 3 mortgage lenders in Latvia
Notes: Maximum tenure for top 3 mortgage lenders in Latvia
Notes: Maximum tenure for top 3 mortgage lenders in Latvia
Notes: Mortgage and Land Bank
Notes: Mortgage and Land Bank
Notes: Mortgage and Land Bank
Notes: Mortgage and Land Bank
Notes: Mortgage and Land Bank
Notes: Mortgage and Land Bank
Notes: Mortgage and Land Bank
Notes: Mortgage and Land Bank
Notes: Mortgage and Land Bank
Notes: Mortgage and Land Bank
Notes: Mortgage and Land Bank
Notes: Mortgage and Land Bank
Notes: Mortgage and Land Bank
Notes: Mortgage and Land Bank
Notes: Mortgage and Land Bank
Notes: Mortgage and Land Bank
Notes: Mortgage and Land Bank
Notes: Mortgage and Land Bank
Notes: Mortgage and Land Bank
Notes: Mortgage and Land Bank
Notes: Mortgage and Land Bank became development finance institution ALTUM in 2014. It no longer offers mortgage loans.
Notes: Mortgage and Land Bank became development finance institution ALTUM in 2014. It no longer offers mortgage loans.
Notes: Residential property tax ranges from 0.2-0.6%
Notes: SEB is the second largest bank in Latvia and offers mortgage loans at 40 years maturity rate, the highest observed in Latvia.
Notes: SEB is the second largest bank in Latvia and offers mortgage loans at 40 years maturity rate, the highest observed in Latvia.
Notes: SEB is the second largest bank in Latvia and offers mortgage loans at 40 years maturity rate, the highest observed in Latvia.
Notes: Stamp duty is levied on mortgage registration
Notes: Stamp duty of 2% on property registration
Notes: Stamp duty of 2% on property registration
Notes: Stamp duty of 2% on property registration
Notes: Stamp duty of 2% on property registration
Notes: Stamp duty of 2% on property registration
Notes: Stamp duty of 2% on property registration
Notes: State guarantees loans to families with children granted by credit institutions for house purchase or construction. The guarantee covers 10%-20% of the loan depending on the number of minor children in the family, thus allowing to reduce the first down payment accordingly.
Notes: State guarantees loans to families with children granted by credit institutions for house purchase or construction. The guarantee covers 10%-20% of the loan depending on the number of minor children in the family, thus allowing to reduce the first down payment accordingly.
Notes: State guarantees loans to families with children granted by credit institutions for house purchase or construction. The guarantee covers 10%-20% of the loan depending on the number of minor children in the family, thus allowing to reduce the first down payment accordingly.
Notes: State guarantees loans to families with children granted by credit institutions for house purchase or construction. The guarantee covers 10%-20% of the loan depending on the number of minor children in the family, thus allowing to reduce the first down payment accordingly.
Notes: State-guaranteed mortgage loan program covers 10-20% of the loan depending on the number of children in family
Notes: State-guaranteed mortgage loan program covers 10-20% of the loan depending on the number of children in family
Notes: State-guaranteed mortgage loan program covers 10-20% of the loan depending on the number of children in family
Notes: State-guaranteed mortgage loan program covers 10-20% of the loan depending on the number of children in family
Notes: Swedbank offers a Home Small Loan with amount b/t EUR5,000-20,000 (~USD5,725-23,000)
Notes: Third quintile of mean disposable household income
Notes: Third quintile of mean disposable household income
Notes: Third quintile of mean disposable household income
Notes: Third quintile of mean disposable household income
Notes: Third quintile of mean disposable household income
Notes: Third quintile of mean disposable household income
Notes: Third quintile of mean disposable household income
Notes: Third quintile of mean disposable household income
Notes: Third quintile of mean disposable household income
Notes: Third quintile of mean disposable household income
Notes: Third quintile of mean disposable household income
Notes: Third quintile of mean disposable household income
Notes: Third quintile of mean disposable household income
Notes: Third quintile of mean disposable household income
Notes: Third quintile of mean disposable household income
Notes: Voluntary foreclosure takes 3-4 months; Involuntary foreclose takes 6-12 months