FINANCING | Date | Chg 1 year | Chg 1 period | Last | 1 Y ago | 2 Y ago | 3 Y ago | 4 Y ago | 5 Y ago |
|---|---|---|---|---|---|---|---|---|---|
| Number of Houses in Spain, in millions (1) | Dec-18 | -0,1% | 0,0% | 25 | 25 | 25 | 25 | 25 | 25 |
| Percentage of Second Homes in Spain (2) | Dec-11 | 14,6% | |||||||
| Interest rate on new Mortgages in % (3) | Jan-19 | 7,3% | 4,5% | 2,3% | 2,2% | 2,3% | 2,4% | 2,7% | 3,3% |
| Average Length of Mortgages, in Years (4) | Dec-18 | 2,5% | 3,2% | 24 | 24 | 23 | 23 | 23 | 22 |
| Loan to Value on new loans in % (5) | Dec-18 | 1,4% | 0,9% | 67% | 66% | 64% | 63% | 61% | 57% |
| Percent of new loans with a loan to Value > 80% (6) | Dec-18 | 2,8% | -3,2% | 15% | 15% | 14% | 16% | 14% | 14% |
| Existing Mortgages, in billions € (7) | Dec-18 | -1,6% | 632 | ||||||
| Amount issued on average per mortgage, in thousands € (8) | Dec-18 | 7,0% | 2,3% | 128 | 120 | 111 | 109 | 103 | |
| EUR Monthly cost for 100.000 mortgage, in € (9) | Dec-18 | 0,0% | 0,0% | 440 | 440 | 448 | 450 | 480 | |
| 10 Year Bonds % (10) | Mar-19 | -12,1% | -13,9% | 1,1% | 1,2% | 1,6% | 1,4% | 1,2% | 3,2% |
| Euribor 1 Year % (11) | May-19 | 0,9% | -0,1% | -0,2% | -0,1% | 0,0% | 0,2% | 0,0% |
(1) Source: Census & Banco de España, (2) 2011 Census, (3) Monthly, Source: Banco de España, (4) (5) Quarterly, Source: Colegio de Registradores, (6) Quarterly, Source: Banco de España, (7) (8) (9) Quarterly Source: Asociación Hipotecaria Española, (10) (11) Monthly Source: Banco de España
INVESTMENT | Date | Chg 1 year | Chg 1 period | Last | 1 Y ago | 2 Y ago | 3 Y ago | 4 Y ago | 5 Y ago |
|---|---|---|---|---|---|---|---|---|---|
| Stock of Newbuilding unsold, in units (12) | Dec-17 | -3,0% | -3,0% | 477 | 492 | 514 | 536 | 564 | 583 |
| Estimated Profitability, Percent, Gross rent + capital gain (13) | Dec-18 | -7,8% | -6,0% | 10,5% | 11,4% | 8,8% | 8,8% | 6,4% | -3,5% |
| Gross Rent, Percent (14) | Mar-19 | -4,6% | -1,3% | 3,9% | 4,1% | 4,3% | 4,5% | 4,6% | 4,6% |
| 10 Year Bonds, Percent (15) | Mar-19 | -12,1% | -13,9% | 1,1% | 1,2% | 1,6% | 1,4% | 1,2% | 3,2% |
| Euribor 1 Year, Percent (16) | May-19 | 0,9% | -0,1% | -0,2% | -0,1% | 0,0% | 0,2% | 0,0% | |
| IBEX 35, Annual change, Percent (17) | Mar-19 | 4,5% | 2,0% | -3,8% | -8,2% | 19,9% | -24,3% | 11,4% | 30,6% |
(12) Source: Ministerio de Fomento, (13) (14) Quarterly Source: Banco de España, (15) (16) Monthly Source: Banco de España (17) Monthly Source : Banco de España, Sociedad de Bolsas, S.A
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