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Returns & Mortgage

FINANCING
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Number of Houses in Spain, in millions (1)Sep-17-0,1%0,0%252525252525
Percentage of Second Homes in Spain (2)Dec-110,0%0,0%14,6%
Interest rate on new Mortgages in % (3)nov.-17-5,2%-0,5%2,2%2,3%2,5%2,9%3,2%3,1%
Average Length of Mortgages, in Years (4)Sep-170,7%1,1%232323232223
Loan to Value on new loans in % (5)Sep-171,7%-0,2%65%64%62%60%56%58%
Percent of new loans with a loan to Value > 80% (6)Sep-17-2,9%-3,6%14%14%15%14%12%16%
Existing Mortgages, in billions € (7)Mar-17-4,4%-0,1%655685710759
Amount issued on average per mortgage, in thousands € (8)Sep-173,3%2,0%11711310610498
EUR Monthly cost for 100.000 mortgage, in € (9)Sep-17-0,7%0,0%446449460490512
10 Year Bonds % (10)Dec-1712,1%3,5%1,5%1,3%1,8%1,6%4,1%5,3%
Euribor 1 Year % (11)Dec-17-0,2%-0,1%0,1%0,3%0,5%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
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Stock of Newbuilding unsold, in units (12)Dec-16-4,3%-4,3%492514536564583627
Estimated Profitability, Percent, Gross rent + capital gain (13)Sep-1729,8%11,1%10,9%8,4%9,1%4,9%-3,6%-11,6%
Gross Rent, Percent (14)Dec-17-3,0%-0,7%4,2%4,4%4,5%4,6%4,3%3,8%
10 Year Bonds, Percent (15)Dec-1712,1%3,5%1,5%1,3%1,8%1,6%4,1%5,3%
Euribor 1 Year, Percent (16)Dec-17-0,2%-0,1%0,1%0,3%0,5%
IBEX 35, Annual change, Percent (17)Dec-179,4%-10,1%7,4%-2,0%-7,2%3,7%21,4%-4,7%
(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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