FINANCING | Date | Chg 1 year | Chg 1 period | Last | 1 Y ago | 2 Y ago | 3 Y ago | 4 Y ago | 5 Y ago |
|---|---|---|---|---|---|---|---|---|---|
| Number of Houses in Spain, in millions (1) | Sep-17 | -0,1% | 0,0% | 25 | 25 | 25 | 25 | 25 | 25 |
| Percentage of Second Homes in Spain (2) | Dec-11 | 0,0% | 0,0% | 14,6% | |||||
| Interest rate on new Mortgages in % (3) | Dec-17 | -6,4% | -6,8% | 2,1% | 2,2% | 2,3% | 2,6% | 3,2% | 2,9% |
| Average Length of Mortgages, in Years (4) | Sep-17 | 0,7% | 1,1% | 23 | 23 | 23 | 23 | 22 | 23 |
| Loan to Value on new loans in % (5) | Sep-17 | 1,7% | -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% | 655 | 685 | 710 | 759 | 0 | 0 |
| Amount issued on average per mortgage, in thousands € (8) | Sep-17 | 3,3% | 2,0% | 117 | 113 | 106 | 104 | 98 | 0 |
| EUR Monthly cost for 100.000 mortgage, in € (9) | Sep-17 | -0,7% | 0,0% | 446 | 449 | 460 | 490 | 512 | 0 |
| 10 Year Bonds % (10) | Jan-18 | -14,7% | -5,7% | 1,4% | 1,7% | 1,6% | 1,5% | 3,7% | 5,1% |
| 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 | Date | Chg 1 year | Chg 1 period | Last | 1 Y ago | 2 Y ago | 3 Y ago | 4 Y ago | 5 Y ago |
|---|---|---|---|---|---|---|---|---|---|
| Stock of Newbuilding unsold, in units (12) | Dec-16 | -4,3% | -4,3% | 492 | 514 | 536 | 564 | 583 | 627 |
| Estimated Profitability, Percent, Gross rent + capital gain (13) | Sep-17 | 29,8% | 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) | Jan-18 | -14,7% | -5,7% | 1,4% | 1,7% | 1,6% | 1,5% | 3,7% | 5,1% |
| Euribor 1 Year, Percent (16) | Dec-17 | -0,2% | -0,1% | 0,1% | 0,3% | 0,5% | |||
| IBEX 35, Annual change, Percent (17) | Jan-18 | 6,5% | 4,8% | 12,2% | 5,7% | -15,3% | 4,9% | 18,6% | -1,7% |
(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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