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Returns & Mortgage

FINANCING
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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-1414,6%
Interest rate on new Mortgages in % (3)Jan-17-5,5%1,8%2,2%2,4%2,7%3,3%3,2%3,8%
Average Length of Mortgages, in Years (4)Dec-162,6%-0,4%232323222324
Loan to Value on new loans in % (5)Dec-161,6%0,6%64%63%61%57%59%58%
Percent of new loans with a loan to Value > 80% (6)Dec-16-11,5%-0,7%14%16%14%14%16%13%
Existing Mortgages, in billions € (7)Dec-16-4,6%-0,9%660693721772
Amount issued on average per mortgage, in thousands € (8)Sep-166,3%4,2%11310610498102
EUR Monthly cost for 100.000 mortgage, in € (9)Sep-16-6,5%-2,3%430460490512505
10 Year Bonds % (10)Feb-17-5,4%-3,1%1,6%1,7%1,3%3,5%5,1%5,0%
Euribor 1 Year % (11)Feb-17-11,6%-0,1%0,0%0,3%0,5%0,6%
(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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Last
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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)Dec-16-4,0%-0,5%4,4%4,5%4,7%4,3%3,8%3,3%
10 Year Bonds, Percent (15)Feb-17-5,4%-3,1%1,6%1,7%1,3%3,5%5,1%5,0%
Euribor 1 Year, Percent (16)Feb-171225,0%11,6%-0,1%0,0%0,3%0,5%0,6%
IBEX 35, Annual change, Percent (17)Feb-1737,2%7,3%12,9%-24,3%10,5%22,9%-2,8%-22,0%
(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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