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Returns & Mortgage

FINANCING
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Number of Houses in Spain, in millions (1)Mar-19-0,1%0,0%252525252525
Percentage of Second Homes in Spain (2)Dec-110,0%0,0%14,6%
Interest rate on new Mortgages in % (3)Jul-193,7%-1,8%2,2%2,1%2,2%2,4%2,4%3,1%
Average Length of Mortgages, in Years (4)Mar-190,0%-1,7%242423232323
Loan to Value on new loans in % (5)Jun-190,9%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-192,4%-3,6%123120114107106
EUR Monthly cost for 100.000 mortgage, in € (9)Mar-192,7%2,3%450438446440470
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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Stock of Newbuilding unsold, in units (12)Dec-18-3,6%-3,6%460477492514536564
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-192,5%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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