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Returns & Mortgage

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FINANCING
Date
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Number of Houses in Spain, in millions (1)Sep-210,0%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.-21-14,3%-0,6%1,6%1,8%2,0%2,3%2,2%2,3%
Average Length of Mortgages, in Years (4)Mar-214,6%0,0%252424242323
Loan to Value on new loans in % (5)Jun-210,9%0,2%65%64%66%65%65%64%
Percent of new loans with a loan to Value > 80% (6)Jun-216,0%-1,1%9%8%14%15%14%14%
Existing Mortgages, in billions € (7)Dec-200,0%632#N/A
Amount issued on average per mortgage, in thousands € (8)Jun-217,4%3,9%138128124121114
EUR Monthly cost for 100.000 mortgage, in € (9)Jun-21-4,7%0,0%410430450440446
10 Year Bonds % (10)Dec-2125,6%0,5%0,0%0,5%1,4%1,5%1,3%
Euribor 1 Year % (11)Dec-210,013,1%-0,5%-0,5%-0,3%-0,1%-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-200,0%0,0%457457460477492514
Estimated Profitability, Percent, Gross rent + capital gain (13)Sep-2146,4%13,1%7,9%5,4%8,5%11,2%10,9%8,4%
Gross Rent, Percent (14)Dec-21-1,1%0,0%3,7%3,7%3,8%4,0%4,2%4,4%
10 Year Bonds, Percent (15)Dec-2126%0,5%0,0%0,5%1,4%1,5%1,3%
Euribor 1 Year, Percent (16)Dec-211%3%-0,5%-0,5%-0,3%-0,1%-0,2%0,0%
IBEX 35, Annual change, Percent (17)Dec-21-7,5%5,1%7,9%15,5%11,8%15,0%7,4%2,0%
(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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