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Returns & Mortgage

FINANCING
Date
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Number of Houses in Spain, in millions (1)Dec-16-0,2%0,0%252525252525
Percentage of Second Homes in Spain (2)Dec-1114,6%
Interest rate on new Mortgages in % (3)Apr-17-5,6%-0,5%2,2%2,3%2,5%3,2%3,2%3,5%
Average Length of Mortgages, in Years (4)Mar-171,1%0,7%232323232424
Loan to Value on new loans in % (5)Mar-171,4%0,9%65%64%61%58%59%58%
Percent of new loans with a loan to Value > 80% (6)Mar-17-6,6%2,9%14%15%13%13%17%15%
Existing Mortgages, in billions € (7)Mar-17-4,4%-0,1%655685710759
Amount issued on average per mortgage, in thousands € (8)Mar-176,6%3,2%114107106102101
EUR Monthly cost for 100.000 mortgage, in € (9)Mar-17-2,3%0,0%430440470510486
10 Year Bonds % (10)May-17-7,6%-13,8%1,4%1,5%1,9%2,9%4,4%6,6%
Euribor 1 Year % (11)May-17---0,1%0,0%0,2%0,6%0,5%
(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
1 Y ago
2 Y ago
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Stock of Newbuilding unsold, in units (12)Dec-15-4,1%-4,1%514536564583627643
Estimated Profitability, Percent, Gross rent + capital gain (13)Dec-160,8%5,3%8,8%8,8%6,4%-3,5%-9,0%-7,8%
Gross Rent, Percent (14)Mar-17-5,5%-1,6%4,3%4,5%4,6%4,6%4,0%3,4%
10 Year Bonds, Percent (15)May-17-7,6%-13,8%1,4%1,5%1,9%2,9%4,4%6,6%
Euribor 1 Year, Percent (16)May-17876,9%6,7%-0,1%0,0%0,2%0,6%0,5%
IBEX 35, Annual change, Percent (17)May-1739,9%1,7%20,4%-19,5%3,9%29,8%36,6%-41,9%
(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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