{
  "table": "property-appreciation-calculator-indices",
  "schema": 1,
  "version": "2026-11-11.1",
  "title": "House price changes from the official indices: France (indices Notaires-Insee) and the United Kingdom (UK House Price Index)",
  "doc": "Rule table read by the property-appreciation-calculator handler (ctx.data['property-appreciation-calculator-indices']). It holds no legal value: only the latest official house price statistics a person can choose as the yearly change of a projection. Rates are percentage points (2.3 means 2.3 % a year), rounded to one decimal place as the publishers round their own annual changes. one_year is the published change over the latest year. ten_year is the average yearly change over the latest ten years, worked out from the published levels as (level_to / level_from)^(1/10) - 1 and rounded to one decimal place; from, to and exact record the working. France: the levels are those of the raw (non seasonally adjusted) Notaires-Insee index of existing homes, base 100 = 2015, the series INSEE uses for its published annual changes (checked: 126.1 -> 125.1 gives the published -0.8 %). United Kingdom: the levels are the published average prices of the UK HPI (HM Land Registry, ONS), which move exactly as its index. Each figure's valid_from is the day it was published and its valid_until the day before the next scheduled publication, when a newer figure replaces it (UK HPI for September 2026 on 18 November 2026; Notaires-Insee indices for Q3 2026 on 24 November 2026); every label names its period, so an older figure stays true for that period but is no longer the latest. The latest figures are provisional and may be revised by their publishers. Table-level valid_from/valid_until bound the period this version may be relied on; re-check every figure before valid_until. source_url is the primary official source, source_date that source's own date, retrieved the date the value was read there.",
  "reviewed_on": "2026-11-11",
  "reviewed_by": "apps agent (property-appreciation-calculator): every figure read at its official source on 2026-11-11 (INSEE Informations rapides n° 216 and the BDM series 010567118, 010567078, 010567072; UK HPI August 2026 summary and the Average-prices-2026-08.csv data download); owner review pending",
  "valid_from": "2026-11-11",
  "valid_until": "2026-12-31",
  "locale_country": {
    "fr-FR": "FR",
    "en-GB": "GB"
  },
  "countries": {
    "FR": {
      "currency": "EUR",
      "source_name": {
        "fr-FR": "indices Notaires-Insee",
        "en-GB": "Notaires-Insee indices"
      },
      "scope": {
        "fr-FR": "Logements anciens (hors ventes de logements neufs), France hors Mayotte. Les indices mesurent l’évolution des prix des ventes enregistrées par les notaires, pas la valeur d’un bien précis.",
        "en-GB": "Existing homes (new-build sales excluded), France excluding Mayotte. The indices measure the change in the prices of sales recorded by notaries, not the value of a given home."
      },
      "areas": [
        {
          "id": "fr-france",
          "name": {
            "fr-FR": "France (hors Mayotte)",
            "en-GB": "France (excluding Mayotte)"
          },
          "where": {
            "fr-FR": "en France (hors Mayotte)",
            "en-GB": "in France (excluding Mayotte)"
          },
          "series": "010567118",
          "one_year": {
            "rate": -0.8,
            "period": {
              "fr-FR": "du 2e trimestre 2025 au 2e trimestre 2026",
              "en-GB": "from Q2 2025 to Q2 2026"
            },
            "from": { "period": "2025-Q2", "level": 126.1 },
            "to": { "period": "2026-Q2", "level": 125.1 },
            "exact": -0.793,
            "provisional": true,
            "valid_from": "2026-09-08",
            "valid_until": "2026-11-23",
            "source_url": "https://www.insee.fr/fr/statistiques/9040119",
            "source_date": "2026-09-08",
            "retrieved": "2026-11-11"
          },
          "ten_year": {
            "rate": 2.3,
            "period": {
              "fr-FR": "du 2e trimestre 2016 au 2e trimestre 2026",
              "en-GB": "from Q2 2016 to Q2 2026"
            },
            "from": { "period": "2016-Q2", "level": 100.1 },
            "to": { "period": "2026-Q2", "level": 125.1 },
            "exact": 2.2545,
            "provisional": true,
            "valid_from": "2026-09-08",
            "valid_until": "2026-11-23",
            "source_url": "https://www.insee.fr/fr/statistiques/serie/010567118",
            "source_date": "2026-09-08",
            "retrieved": "2026-11-11"
          }
        },
        {
          "id": "fr-idf",
          "name": {
            "fr-FR": "Île-de-France",
            "en-GB": "Île-de-France (Paris region)"
          },
          "where": {
            "fr-FR": "en Île-de-France",
            "en-GB": "in Île-de-France"
          },
          "series": "010567078",
          "one_year": {
            "rate": -0.3,
            "period": {
              "fr-FR": "du 2e trimestre 2025 au 2e trimestre 2026",
              "en-GB": "from Q2 2025 to Q2 2026"
            },
            "from": { "period": "2025-Q2", "level": 115.0 },
            "to": { "period": "2026-Q2", "level": 114.6 },
            "exact": -0.3478,
            "provisional": true,
            "valid_from": "2026-09-08",
            "valid_until": "2026-11-23",
            "source_url": "https://www.insee.fr/fr/statistiques/9040119",
            "source_date": "2026-09-08",
            "retrieved": "2026-11-11"
          },
          "ten_year": {
            "rate": 1.3,
            "period": {
              "fr-FR": "du 2e trimestre 2016 au 2e trimestre 2026",
              "en-GB": "from Q2 2016 to Q2 2026"
            },
            "from": { "period": "2016-Q2", "level": 100.9 },
            "to": { "period": "2026-Q2", "level": 114.6 },
            "exact": 1.2813,
            "provisional": true,
            "valid_from": "2026-09-08",
            "valid_until": "2026-11-23",
            "source_url": "https://www.insee.fr/fr/statistiques/serie/010567078",
            "source_date": "2026-09-08",
            "retrieved": "2026-11-11"
          }
        },
        {
          "id": "fr-province",
          "name": {
            "fr-FR": "Province (hors Île-de-France)",
            "en-GB": "Rest of France (outside Île-de-France)"
          },
          "where": {
            "fr-FR": "en province",
            "en-GB": "in France outside Île-de-France"
          },
          "series": "010567072",
          "one_year": {
            "rate": -1.0,
            "period": {
              "fr-FR": "du 2e trimestre 2025 au 2e trimestre 2026",
              "en-GB": "from Q2 2025 to Q2 2026"
            },
            "from": { "period": "2025-Q2", "level": 130.1 },
            "to": { "period": "2026-Q2", "level": 128.8 },
            "exact": -0.9992,
            "provisional": true,
            "valid_from": "2026-09-08",
            "valid_until": "2026-11-23",
            "source_url": "https://www.insee.fr/fr/statistiques/9040119",
            "source_date": "2026-09-08",
            "retrieved": "2026-11-11"
          },
          "ten_year": {
            "rate": 2.6,
            "period": {
              "fr-FR": "du 2e trimestre 2016 au 2e trimestre 2026",
              "en-GB": "from Q2 2016 to Q2 2026"
            },
            "from": { "period": "2016-Q2", "level": 99.7 },
            "to": { "period": "2026-Q2", "level": 128.8 },
            "exact": 2.594,
            "provisional": true,
            "valid_from": "2026-09-08",
            "valid_until": "2026-11-23",
            "source_url": "https://www.insee.fr/fr/statistiques/serie/010567072",
            "source_date": "2026-09-08",
            "retrieved": "2026-11-11"
          }
        }
      ]
    },
    "GB": {
      "currency": "GBP",
      "source_name": {
        "fr-FR": "UK House Price Index",
        "en-GB": "UK House Price Index"
      },
      "scope": {
        "fr-FR": "Ventes de logements résidentiels enregistrées au Royaume-Uni, neufs et anciens. Pour l’Irlande du Nord, l’indice est trimestriel.",
        "en-GB": "Registered residential sales in the United Kingdom, new and existing homes. For Northern Ireland the index is quarterly."
      },
      "areas": [
        {
          "id": "gb-uk",
          "name": {
            "fr-FR": "Royaume-Uni",
            "en-GB": "United Kingdom"
          },
          "where": {
            "fr-FR": "au Royaume-Uni",
            "en-GB": "in the United Kingdom"
          },
          "series": "United Kingdom, average price (K02000001)",
          "one_year": {
            "rate": 0.9,
            "period": {
              "fr-FR": "sur les 12 mois jusqu’à août 2026",
              "en-GB": "over the 12 months to August 2026"
            },
            "from": { "period": "2025-08", "level": 270575 },
            "to": { "period": "2026-08", "level": 273037 },
            "exact": 0.9099,
            "provisional": true,
            "valid_from": "2026-10-21",
            "valid_until": "2026-11-17",
            "source_url": "https://www.gov.uk/government/statistics/uk-house-price-index-for-august-2026/uk-house-price-index-summary-august-2026",
            "source_date": "2026-10-21",
            "retrieved": "2026-11-11"
          },
          "ten_year": {
            "rate": 3.3,
            "period": {
              "fr-FR": "d’août 2016 à août 2026",
              "en-GB": "from August 2016 to August 2026"
            },
            "from": { "period": "2016-08", "level": 198186 },
            "to": { "period": "2026-08", "level": 273037 },
            "exact": 3.2559,
            "provisional": true,
            "valid_from": "2026-10-21",
            "valid_until": "2026-11-17",
            "source_url": "https://www.gov.uk/government/statistical-data-sets/uk-house-price-index-data-downloads-august-2026--2",
            "source_date": "2026-10-21",
            "retrieved": "2026-11-11"
          }
        },
        {
          "id": "gb-england",
          "name": {
            "fr-FR": "Angleterre",
            "en-GB": "England"
          },
          "where": {
            "fr-FR": "en Angleterre",
            "en-GB": "in England"
          },
          "series": "England, average price (E92000001)",
          "one_year": {
            "rate": 0.4,
            "period": {
              "fr-FR": "sur les 12 mois jusqu’à août 2026",
              "en-GB": "over the 12 months to August 2026"
            },
            "from": { "period": "2025-08", "level": 292319 },
            "to": { "period": "2026-08", "level": 293525 },
            "exact": 0.4126,
            "provisional": true,
            "valid_from": "2026-10-21",
            "valid_until": "2026-11-17",
            "source_url": "https://www.gov.uk/government/statistics/uk-house-price-index-for-august-2026/uk-house-price-index-summary-august-2026",
            "source_date": "2026-10-21",
            "retrieved": "2026-11-11"
          },
          "ten_year": {
            "rate": 3.0,
            "period": {
              "fr-FR": "d’août 2016 à août 2026",
              "en-GB": "from August 2016 to August 2026"
            },
            "from": { "period": "2016-08", "level": 218261 },
            "to": { "period": "2026-08", "level": 293525 },
            "exact": 3.007,
            "provisional": true,
            "valid_from": "2026-10-21",
            "valid_until": "2026-11-17",
            "source_url": "https://www.gov.uk/government/statistical-data-sets/uk-house-price-index-data-downloads-august-2026--2",
            "source_date": "2026-10-21",
            "retrieved": "2026-11-11"
          }
        },
        {
          "id": "gb-scotland",
          "name": {
            "fr-FR": "Écosse",
            "en-GB": "Scotland"
          },
          "where": {
            "fr-FR": "en Écosse",
            "en-GB": "in Scotland"
          },
          "series": "Scotland, average price (S92000003)",
          "one_year": {
            "rate": 2.9,
            "period": {
              "fr-FR": "sur les 12 mois jusqu’à août 2026",
              "en-GB": "over the 12 months to August 2026"
            },
            "from": { "period": "2025-08", "level": 192794 },
            "to": { "period": "2026-08", "level": 198397 },
            "exact": 2.9062,
            "provisional": true,
            "valid_from": "2026-10-21",
            "valid_until": "2026-11-17",
            "source_url": "https://www.gov.uk/government/statistics/uk-house-price-index-for-august-2026/uk-house-price-index-summary-august-2026",
            "source_date": "2026-10-21",
            "retrieved": "2026-11-11"
          },
          "ten_year": {
            "rate": 3.9,
            "period": {
              "fr-FR": "d’août 2016 à août 2026",
              "en-GB": "from August 2016 to August 2026"
            },
            "from": { "period": "2016-08", "level": 135571 },
            "to": { "period": "2026-08", "level": 198397 },
            "exact": 3.8812,
            "provisional": true,
            "valid_from": "2026-10-21",
            "valid_until": "2026-11-17",
            "source_url": "https://www.gov.uk/government/statistical-data-sets/uk-house-price-index-data-downloads-august-2026--2",
            "source_date": "2026-10-21",
            "retrieved": "2026-11-11"
          }
        },
        {
          "id": "gb-wales",
          "name": {
            "fr-FR": "Pays de Galles",
            "en-GB": "Wales"
          },
          "where": {
            "fr-FR": "au pays de Galles",
            "en-GB": "in Wales"
          },
          "series": "Wales, average price (W92000004)",
          "one_year": {
            "rate": 3.1,
            "period": {
              "fr-FR": "sur les 12 mois jusqu’à août 2026",
              "en-GB": "over the 12 months to August 2026"
            },
            "from": { "period": "2025-08", "level": 209851 },
            "to": { "period": "2026-08", "level": 216363 },
            "exact": 3.1032,
            "provisional": true,
            "valid_from": "2026-10-21",
            "valid_until": "2026-11-17",
            "source_url": "https://www.gov.uk/government/statistics/uk-house-price-index-for-august-2026/uk-house-price-index-summary-august-2026",
            "source_date": "2026-10-21",
            "retrieved": "2026-11-11"
          },
          "ten_year": {
            "rate": 4.6,
            "period": {
              "fr-FR": "d’août 2016 à août 2026",
              "en-GB": "from August 2016 to August 2026"
            },
            "from": { "period": "2016-08", "level": 137657 },
            "to": { "period": "2026-08", "level": 216363 },
            "exact": 4.6257,
            "provisional": true,
            "valid_from": "2026-10-21",
            "valid_until": "2026-11-17",
            "source_url": "https://www.gov.uk/government/statistical-data-sets/uk-house-price-index-data-downloads-august-2026--2",
            "source_date": "2026-10-21",
            "retrieved": "2026-11-11"
          }
        },
        {
          "id": "gb-ni",
          "name": {
            "fr-FR": "Irlande du Nord",
            "en-GB": "Northern Ireland"
          },
          "where": {
            "fr-FR": "en Irlande du Nord",
            "en-GB": "in Northern Ireland"
          },
          "series": "Northern Ireland, average price (N92000002), quarterly",
          "one_year": {
            "rate": 9.2,
            "period": {
              "fr-FR": "du 2e trimestre 2025 au 2e trimestre 2026",
              "en-GB": "from Q2 (April to June) 2025 to Q2 2026"
            },
            "from": { "period": "2025-Q2", "level": 185455 },
            "to": { "period": "2026-Q2", "level": 202487 },
            "exact": 9.1839,
            "provisional": true,
            "valid_from": "2026-10-21",
            "valid_until": "2026-11-17",
            "source_url": "https://www.gov.uk/government/statistics/uk-house-price-index-for-august-2026/uk-house-price-index-summary-august-2026",
            "source_date": "2026-10-21",
            "retrieved": "2026-11-11"
          },
          "ten_year": {
            "rate": 5.7,
            "period": {
              "fr-FR": "du 2e trimestre 2016 au 2e trimestre 2026",
              "en-GB": "from Q2 2016 to Q2 2026"
            },
            "from": { "period": "2016-Q2", "level": 116637 },
            "to": { "period": "2026-Q2", "level": 202487 },
            "exact": 5.6711,
            "provisional": true,
            "valid_from": "2026-10-21",
            "valid_until": "2026-11-17",
            "source_url": "https://www.gov.uk/government/statistical-data-sets/uk-house-price-index-data-downloads-august-2026--2",
            "source_date": "2026-10-21",
            "retrieved": "2026-11-11"
          }
        }
      ]
    }
  },
  "sources": [
    {
      "label": "Insee, Informations rapides n° 216 : Au deuxième trimestre 2026, les prix des logements anciens reculent de 1,0 % (indices Notaires-Insee)",
      "url": "https://www.insee.fr/fr/statistiques/9040119",
      "date": "2026-09-08",
      "retrieved": "2026-11-11"
    },
    {
      "label": "Insee, BDM série 010567118 : indice des prix des logements anciens, France (hors Mayotte), ensemble, série brute, base 100 en 2015",
      "url": "https://www.insee.fr/fr/statistiques/serie/010567118",
      "date": "2026-09-08",
      "retrieved": "2026-11-11"
    },
    {
      "label": "Insee, BDM série 010567078 : indice des prix des logements anciens, Île-de-France, ensemble, série brute",
      "url": "https://www.insee.fr/fr/statistiques/serie/010567078",
      "date": "2026-09-08",
      "retrieved": "2026-11-11"
    },
    {
      "label": "Insee, BDM série 010567072 : indice des prix des logements anciens, province, ensemble, série brute",
      "url": "https://www.insee.fr/fr/statistiques/serie/010567072",
      "date": "2026-09-08",
      "retrieved": "2026-11-11"
    },
    {
      "label": "HM Land Registry: UK House Price Index summary, August 2026",
      "url": "https://www.gov.uk/government/statistics/uk-house-price-index-for-august-2026/uk-house-price-index-summary-august-2026",
      "date": "2026-10-21",
      "retrieved": "2026-11-11"
    },
    {
      "label": "HM Land Registry: UK House Price Index data downloads, August 2026 (Average-prices-2026-08.csv)",
      "url": "https://www.gov.uk/government/statistical-data-sets/uk-house-price-index-data-downloads-august-2026--2",
      "date": "2026-10-21",
      "retrieved": "2026-11-11"
    }
  ]
}