One country's gap, ratio, trend & risk
API · /creditgap-api
Credit-to-GDP Gap (Financial Stability) API
healthy
4,956 Subscribers
How far each country's private-sector credit has run above or below its long-run trend — the single best early-warning indicator for banking crises — read live from the Bank for International Settlements' open statistics, no key, nothing stored. The credit-to-GDP gap is the difference between the credit-to-GDP ratio and its long-term trend, and the Basel Committee uses it to set the countercyclical capital buffer: a gap above roughly 10 points has historically preceded credit busts, while a deeply negative gap means an economy is still deleveraging. The latest endpoint returns every covered country's most recent gap together with its actual credit-to-GDP ratio and a risk band; the country endpoint returns one country's gap, the underlying ratio and trend and a risk label; the history endpoint returns the quarterly gap time series. This is the credit-gap / financial-stability macro cut — distinct from the euro-area credit-growth (lending volumes), the bank-rate, money-supply, central-bank policy-rate and FX APIs in the catalogue. It measures the build-up of financial-stability risk, not the level of rates. A country is a BIS reference area (US, GB, DE, JP …) given as an ISO-2 code or a common name; data is quarterly with the usual statistical lag.
api.oanor.com/creditgap-api
API health
healthy- Uptime
- 100.00%
- Server probes · 24h
- Avg latency
- 131 ms
- Server probes · 24h
- Subscribers
- 4,956
- active
- Total calls
- 72
- last 7 days
Pricing
Pick a tier — billed monthly, cancel anytime.
Free
Free
- 700 calls / month
- 2 requests / second
- Hard cap (429 above quota, no overage)
- 700 calls/month
- 2 req/sec
- Latest + country + history
- No credit card
Starter
€8.66 /month
- 17,500 calls / month
- 6 requests / second
- Hard cap (429 above quota, no overage)
- 17,500 calls/month
- 6 req/sec
- All ~44 countries
- Email support
Pro
€26.88 /month
- 88,000 calls / month
- 16 requests / second
- Hard cap (429 above quota, no overage)
- 88,000 calls/month
- 16 req/sec
- Risk dashboards & research
- Priority support
Business
€63.60 /month
- 450,000 calls / month
- 40 requests / second
- Hard cap (429 above quota, no overage)
- 450,000 calls/month
- 40 req/sec
- Macro-risk-desk scale
- Dedicated SLA
Built by
Related APIs
Other APIs with overlapping tags.
Debt-to-GDP by Sector API
How indebted each economy's government, households and companies are relative to the size of the economy, read live from the Bank for International Settlements' open statistics — no key, nothing stored. Debt-to-GDP is the headline gauge of debt sustainability: how big a borrower's debts are versus the income that has to service them. The BIS publishes total credit as a share of GDP for the general government, for households, for non-financial corporations and for the private non-financial sector as a whole, on a consistent cross-country basis. The latest endpoint returns every covered country's most recent government, household, corporate and total-private debt-to-GDP; the country endpoint returns one country's four sector ratios with the reference quarter; the history endpoint returns a chosen sector's quarterly series. This is the debt-level / leverage macro cut — distinct from the credit-to-GDP gap (how stretched credit is versus its trend), the debt service ratio (the cost of carrying that debt), the credit-growth (lending volumes), bank-rate and FX APIs in the catalogue. A country is a BIS reference area (US, GB, DE, JP …) given as an ISO-2 code or a common name; data is quarterly with the usual statistical lag.
api.oanor.com/debttogdp-api
Debt Service Ratio (Debt Burden) API
How much of a country's income goes to servicing debt — interest plus principal — read live from the Bank for International Settlements' open statistics, no key, nothing stored. The credit-to-GDP gap measures how much debt has built up; the debt service ratio (DSR) measures how heavy it is to carry. It is the share of income that borrowers must spend each period just to keep current on their debts, and a high or rising DSR squeezes consumption and investment and has reliably led recessions. The BIS publishes the DSR for households, for non-financial corporations and for the private non-financial sector as a whole. The latest endpoint returns every covered country's most recent DSR for all three sectors; the country endpoint returns one country's household, corporate and total DSR with the reference quarter; the history endpoint returns the quarterly series for a chosen sector. This is the debt-burden / debt-service macro cut — distinct from the credit-to-GDP gap (debt build-up), the credit-growth (lending volumes), the bank-rate, money-supply and FX APIs in the catalogue. A country is a BIS reference area (US, GB, DE, JP …) given as an ISO-2 code or a common name; data is quarterly with the usual statistical lag.
api.oanor.com/debtservice-api
Residential Property Prices API
How house prices are moving across the world's economies, read live from the Bank for International Settlements' Selected Residential Property Prices dataset. For roughly 60 countries the BIS publishes a quarterly residential property price index — both nominal and real (inflation-adjusted) — together with its year-on-year change. The latest endpoint returns every country's most recent reading at once — the nominal and real index plus the nominal and real year-on-year growth — sortable by nominal or real YoY so you instantly see which housing markets are heating up and which are cooling once you strip out inflation. The country endpoint returns a single country's latest reading; the history endpoint returns its quarterly index time series (nominal and real) so you can chart a market over time. Countries are given as ISO-2 codes (US, DE, GB, JP) or common names (xm is the euro area). The nominal index is the headline price level; the real index is deflated by consumer prices, so a negative real YoY means prices are falling after inflation even when the nominal index still rises. This is the real-estate / property-price macro data-cut — distinct from the FX-rate, central-bank, yield-curve, commodity and equity-index APIs in the catalogue. Live source, no key required upstream, nothing stored.
api.oanor.com/houseprices-api
BIS Effective Exchange Rates (Currency Strength) API
How strong each currency is on a trade-weighted basis, served live from the Bank for International Settlements' open statistics API — no key, nothing cached. An effective exchange rate (EER) measures a currency against a basket of its trading partners' currencies, not just one pair — it is the single best gauge of whether a currency is broadly strengthening or weakening. The BIS publishes nominal and real (inflation-adjusted) EER indices for 64 economies, against a broad (64-economy) or narrow (27-economy) basket, all on a base of 100. The rankings endpoint returns every economy's current EER index, ranked, so you can see the world's strongest and weakest currencies at a glance. The country endpoint returns one economy's EER index with its history and its 12-month change. The movers endpoint ranks the biggest currency gainers and losers over the past year — who has appreciated and who has depreciated most. Everything is the BIS's own compiled data, live, nothing stored; figures are monthly. This is the trade-weighted currency-strength layer for any forex, macro, trade or research app. Distinct from bilateral FX-rate and central-bank APIs — this is effective exchange rates: real and nominal trade-weighted currency strength, from the BIS. 3 endpoints, no key on our side.
api.oanor.com/eer-api
Frequently asked questions
Quick answers about pricing, quotas, and integration.
How do I get an API key for Credit-to-GDP Gap (Financial Stability) API?
Sign up for free at oanor.com, generate an API key from the developer dashboard, and call Credit-to-GDP Gap (Financial Stability) API with the x-oanor-key header. No credit card needed for the free tier.
What's the rate limit for Credit-to-GDP Gap (Financial Stability) API?
Free tier allows 1 request per second. Paid plans scale up to 50 requests per second on the Mega tier. Hard limits return HTTP 429 above the quota — no surprise overage charges.
How much does Credit-to-GDP Gap (Financial Stability) API cost?
Credit-to-GDP Gap (Financial Stability) API has a free tier with 100 calls / month. Paid plans start at €8.66 / month with higher quotas and faster rate limits.
Can I cancel my subscription anytime?
Yes. Plans are billed monthly and you can cancel anytime from your billing dashboard. No long-term contracts and no cancellation fee.
Is Credit-to-GDP Gap (Financial Stability) API GDPR-compliant?
All requests to Credit-to-GDP Gap (Financial Stability) API go through our EU-based gateway. Your upstream API key never leaves our server and no personal data is shared with the upstream provider beyond the request you send.
Pick an endpoint from the list on the left to see its details and try it.
Code snippets
Sign up to get an API key, then call any path under your slug.
curl https://api.oanor.com/creditgap-api/SOME_PATH \
-H "x-oanor-key: oanor_test_..."const res = await fetch("https://api.oanor.com/creditgap-api/SOME_PATH", {
headers: { "x-oanor-key": "oanor_test_..." }
});
const data = await res.json();$ch = curl_init("https://api.oanor.com/creditgap-api/SOME_PATH");
curl_setopt($ch, CURLOPT_RETURNTRANSFER, true);
curl_setopt($ch, CURLOPT_HTTPHEADER, ["x-oanor-key: oanor_test_..."]);
$response = curl_exec($ch);import requests
r = requests.get(
"https://api.oanor.com/creditgap-api/SOME_PATH",
headers={"x-oanor-key": "oanor_test_..."},
)
print(r.json())Ratings
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