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Returns & Mortgage

FINANCING
Date
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Last
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Number of Houses in Spain, in millions (1) Mar-19 -0,1% 0,0% 25 25 25 25 25 25
Percentage of Second Homes in Spain (2) Dec-11 0,0% 0,0% 14,6%
Interest rate on new Mortgages in % (3) Jul-19 3,7% -1,8% 2,2% 2,1% 2,2% 2,4% 2,4% 3,1%
Average Length of Mortgages, in Years (4) Mar-19 0,0% -1,7% 24 24 23 23 23 23
Loan to Value on new loans in % (5) Jun-19 0,9% 1,4% 66% 65% 65% 64% 62% 59%
Percent of new loans with a loan to Value > 80% (6) Jun-19 -5,5% 4,6% 14% 15% 14% 14% 15% 14%
Existing Mortgages, in billions € (7) Dec-18 -1,6% 632
Amount issued on average per mortgage, in thousands € (8) Mar-19 2,4% -3,6% 123 120 114 107 106
EUR Monthly cost for 100.000 mortgage, in € (9) Mar-19 2,7% 2,3% 450 438 446 440 470
10 Year Bonds % (10) Aug-19 -100,0% -66,8% 0,0% 1,4% 1,5% 0,0% 1,6% 2,2%
Euribor 1 Year % (11) Aug-19 -1,107 -25,8% -0,4% -0,2% -0,2% 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
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Chg 1 period
Last
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Stock of Newbuilding unsold, in units (12) Dec-18 -3,6% -3,6% 460 477 492 514 536 564
Estimated Profitability, Percent, Gross rent + capital gain (13) Jun-19 -16,0% -14,1% 9,2% 10,9% 9,8% 8,3% 8,6% 5,4%
Gross Rent, Percent (14) Jun-19 -4,9% -1,5% 3,9% 4,1% 4,3% 4,4% 4,6% 4,7%
10 Year Bonds, Percent (15) Aug-19 -93% -67% 0,1% 1,4% 1,5% 0,0% 1,6% 2,2%
Euribor 1 Year, Percent (16) Aug-19 -111% -26% -0,4% -0,2% -0,2% 0,0% 0,2% 0,0%
IBEX 35, Annual change, Percent (17) Aug-19 2,5% 2,9% -6,2% -8,7% 18,2% -15,0% -4,4% 29,4%
(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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