Guest Charlie The Tramp Posted December 12, 2005 Share Posted December 12, 2005 Repossessions and Bankruptcy Stats A Guide To Bankruptcy Historical UK Inflation Stats From 1750 Historical Interest Rates Since 1694 Credit Action Updated Monthly Stats NATIONAL AVERAGE EARNINGS INDEX 1963 - 2003 Please add any other Statistical sites which may be a good source of information to fellow members. Link to comment Share on other sites More sharing options...
Guest consa Posted December 12, 2005 Share Posted December 12, 2005 For CTT The Office For National Statistics and house price indices how they are made up:- House Price Indices Link to comment Share on other sites More sharing options...
beerhunter Posted December 12, 2005 Share Posted December 12, 2005 Council of Mortgage Lenders (CML) Statistics Office of the Deputy Prime Minister (ODPM) Housing Statistics British Bankers` Association Stats at 29-12-2005 Link to comment Share on other sites More sharing options...
libitina Posted December 18, 2005 Share Posted December 18, 2005 HM Treasury Data and Tools Link to comment Share on other sites More sharing options...
Guest Charlie The Tramp Posted December 27, 2005 Share Posted December 27, 2005 Current Traffic Rank For Housepricecrash.co.uk Link to comment Share on other sites More sharing options...
BufferBear Bitcoin Bull Posted December 28, 2005 Share Posted December 28, 2005 Doing good! Link to comment Share on other sites More sharing options...
beerhunter Posted January 8, 2006 Share Posted January 8, 2006 From National Statistics, but probably deserves it's own link United Kingdom National Accounts - The Blue Book (2005) Note: it's a 2.3MB (312 page) PDF.. full of various bits of info, but not bedtime reading Link to comment Share on other sites More sharing options...
Guest Charlie The Tramp Posted March 19, 2006 Share Posted March 19, 2006 An easy to follow explanation of Fractional Reserve Banking. The Fractional Reserve Banking SystemThe privately owned high street banks do not lend out their saver's deposits as loans to those customers who wish to borrow. They never have. Instead these deposits act as a reserve on any calls that banks have on their money over and above the normal in-flow of funds. It is called their fractional reserve. Instead of lending actual cash money to borrowers, the banks have only ever lent 'credit'. However, this credit is used by individuals to buy homes and to spend through their credit cards, overdraft facilities and arranged loans. It is also used to run businesses, to pay employees and suppliers, who further use it to run their own finances. Governments borrow it for public spending when income from taxation is insufficient. This bank-created credit now forms some 97% of the British money supply (with similar ratios affecting all the world's major economies), and it has effectively become money. If a person borrows, say, £100,000 from a bank to buy a house, they regard that sum as money. It gets paid into the vendor's own bank account and they also regard it as money and spend it as money. The amount of credit lent as a proportion of money held on deposit has always been a matter for nice judgement by the individual banks. The more they lend the more profit they make, but the more exposed they become, if too many customers want their money back in the short term. During the 18th and 19th centuries, private banks often collapsed due to a 'run on the bank'. Nowadays, the banking system as a whole tends to rally round to prevent any one bank collapsing, if only because they are all so bound up with each other. So by the 20th century a figure of 15% was established as a suitably 'safe' exposure - the prudent fractional reserve. This meant that for every £100 that a bank had out on loan, it had £15 of savings held on deposit to cover the loan. This was the equivalent of a bank lending out each of its saver's deposits six times over. This was a fabulously profitable way of working, but it did at least impose a degree of constraint upon bank lending. Bank de-regulation in the 1980s and the decline of the use of cash has ended even this modest constraint. No Reserve The use of cash has declined from 46% of the money supply in 1946, to 21% in 1972 and now down to 3% today, making this 15% 'safety' figure cease to have relevance. A reduction of cash to just 3% of the money supply suggests that the 'fractional reserve' of most banks has also fallen to a similarly low level. In other words, banks can and do lend to the amount of over 30 times their depositors' savings. To all intents and purposes, with such a tiny amount of reserve required and as cash is now so little used, there is virtually no restraint upon the amounts that banks may lend. There certainly is no government control upon bank lending. The only influence by statutory authority is an increase in base interest rates by the Bank of England's Monetary Policy Committee when inflation rises, indicating too much money within the economy. In recent years, despite the growth in the money supply, both interests rates and inflation have been at a very low level. This may be because, despite there being so much money in circulation, a large proportion is in use simply to pay the interest on the high level's of borrowing. It is therefore not available, as historically it would have been, to allow high levels of inflation to occur with 'too much money chasing too few goods'. Bad Debts Rising This natural curb on both inflation and interest rates, caused by the straight-jacket of high levels of borrowing, should not allow us to be complacent, however. The level of bad debts is rising steadily. At the time of writing it is estimated to be in the region of 20%. In other words, the banks are losing about £20 for every £100 they lend. Given that the money that they lent was created out of thin air in the first place, it is money that they can afford to lose. It just means that their profits are a few billion pounds less each year than they would otherwise have been. For the individual borrowers concerned, however, this difficulty with indebtedness is not so easily dismissed, for the banks do not allow them to walk away from their commitments without difficulty. Homes are repossessed; businesses go bankrupt; county court judgements are imposed; debt-collectors are set onto people; sleepless nights become common; marriages break-down; spouses and children become the subjects of physical and emotional abuse; suicide is contemplated and even attempted. All this is because the culture of thrift has been swept a away in an orgy of irresponsible lending. Everywhere, lenders are falling over themselves to push borrowing down people's throats. People are urged to sign loan agreements that they do not understand, proffered by people whom they do not know, to borrow money that they cannot afford, to buy things that they do not need. A Topsy-Turvy System We have the most topsy-turvy credit rating system, wherein people with large amounts of debt are given good credit ratings and permitted to borrow more, whereas those who have a history of prudence, who have scarce ever borrowed before are given poor ratings and are penalised by high rates of interest! This cavalier attitude on the part of the banks would be entirely curbed by the simple expedient of making it illegal for them to create money. Then they would have to very careful with the money that they lent out, as it would not have been created out of thin air. They could fulfil a useful and profitable role within the economy, but it would end their capacity to lend irresponsibly. Link to comment Share on other sites More sharing options...
BufferBear Bitcoin Bull Posted March 19, 2006 Share Posted March 19, 2006 Thank you CTT. Link to comment Share on other sites More sharing options...
Guest Charlie The Tramp Posted March 20, 2006 Share Posted March 20, 2006 Current Session Company`s Winding Up Court Daily Petitions Central London Bankruptcy Court Busy Everyday Monday To Friday Link to comment Share on other sites More sharing options...
Guest Charlie The Tramp Posted March 21, 2006 Share Posted March 21, 2006 Market Statistics and Graphs. Very informative site. Housing Stats Link to comment Share on other sites More sharing options...
Guest Charlie The Tramp Posted May 4, 2006 Share Posted May 4, 2006 Bank Of England Monthly Stats For Lending To Individuals Link to comment Share on other sites More sharing options...
Guest Charlie The Tramp Posted September 18, 2006 Share Posted September 18, 2006 Mortgage Calculator Mortgage Overpayment Calculator Link to comment Share on other sites More sharing options...
Guest Charlie The Tramp Posted September 27, 2006 Share Posted September 27, 2006 Bank Of England Mortgage Equity Withdrawal stats. Mortgage Equity Withdrawal Mortgage equity withdrawal (MEW) is new borrowing secured on dwellings that is not invested in the housing market (e.g. not used for house purchase or home improvements). Historical MEW stats from 1970. Historical Mew Excel Document Link to comment Share on other sites More sharing options...
Goldmember Posted November 21, 2006 Share Posted November 21, 2006 Council of Mortgage Lenders (CML) Statistics Office of the Deputy Prime Minister (ODPM) Housing Statistics British Bankers` Association Stats at 29-12-2005 This figures are not valid without a BS index. Link to comment Share on other sites More sharing options...
Guest Charlie The Tramp Posted January 16, 2007 Share Posted January 16, 2007 Historical Interest Rates Combined With Inflation Back To 1694 In A Spreadsheet Link to comment Share on other sites More sharing options...
bob monkhouse Posted June 14, 2007 Share Posted June 14, 2007 Goof stuff. Anyone know a good site other than DCLG etc that looks into rental levels? (I tried Paragon, but theyre VI) Link to comment Share on other sites More sharing options...
Guest Charlie The Tramp Posted July 12, 2007 Share Posted July 12, 2007 Age Structure Of United Kingdom 1971-2074 Age Structure Of The UK Statistics Link to comment Share on other sites More sharing options...
Dubai Posted February 10, 2008 Share Posted February 10, 2008 Current Traffic Rank For Housepricecrash.co.uk CTT... this links to Amazon reviews of the site (you should see some of them! ) There's no traffic info there that I can find.... just thought you might want to know.... Link to comment Share on other sites More sharing options...
Guest Skint Academic Posted February 11, 2008 Share Posted February 11, 2008 Just wondered if anyone knew where I could historical stock market data to download for free? Link to comment Share on other sites More sharing options...
Guest Charlie The Tramp Posted February 19, 2008 Share Posted February 19, 2008 CTT... this links to Amazon reviews of the site (you should see some of them! ) There's no traffic info there that I can find.... just thought you might want to know.... They do it all the time changing the URL. The stats links at the bottom of the forum index will always take you there to the stats although they are misleading, it`s that bloody Alexa Toolbar which buggers them up... Link to comment Share on other sites More sharing options...
stuartsdb Posted May 14, 2008 Share Posted May 14, 2008 Hello, I just came across the following sites and thought I would let you know as I found them quite interesting. They provide free up to date news links www.housemarketuk.com www.adviceaboutbankruptcy.com Just thought you maty be interested in taking a look Link to comment Share on other sites More sharing options...
Ferret Posted July 31, 2008 Share Posted July 31, 2008 Wow, since CTT retired from the Forum his thread has gained 3k extra views. Link to comment Share on other sites More sharing options...
jim gold Posted January 23, 2009 Share Posted January 23, 2009 Businesses in Administration statistics from the Business Sale Report Link to comment Share on other sites More sharing options...
Yorkshire Lad Posted February 8, 2009 Share Posted February 8, 2009 Alexa stats for housepricecrash.co.uk http://www.alexa.com/data/details/traffic_...ricecrash.co.uk The graph shows rightmove.co.uk: http://www.alexa.com/data/details/traffic_...rightmove.co.uk Notice the traffic increases after christmas Link to comment Share on other sites More sharing options...
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