Declining interest rates, rising purchasing power and a favorable demographic structure all would seem to be highly supportive of growth in mortgage lending. Data on Bank Indonesia's website shows that outstanding mortgage loans amounted to nearly Rp 73 trillion as of December 2006. Despite the doubling of fuel prices in 2005, this figure is up 30 percent year on year -- higher than overall lending growth, which concurrently increased by close to 14 percent.