Returns & Mortgage

FINANCING
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Number of Houses in Spain, in millions (1)Jun-18-0,1%0,0%252525252525
Percentage of Second Homes in Spain (2)Dec-110,0%0,0%14,6%
Interest rate on new Mortgages in % (3)oct.-181,8%1,8%2,3%2,2%2,3%2,5%3,0%3,1%
Average Length of Mortgages, in Years (4)Jun-180,7%-1,4%232323232221
Loan to Value on new loans in % (5)Sep-181,5%1,5%66%65%64%62%60%56%
Percent of new loans with a loan to Value > 80% (6)Sep-1814,8%6,9%16%14%14%15%14%12%
Existing Mortgages, in billions € (7)Mar-17-4,4%-0,1%655685710759
Amount issued on average per mortgage, in thousands € (8)Sep-187,3%3,0%125117113106104
EUR Monthly cost for 100.000 mortgage, in € (9)Sep-18-1,3%0,0%440446449460490
10 Year Bonds % (10)nov.-182,5%-1,8%1,5%1,5%1,5%1,5%1,9%4,1%
Euribor 1 Year % (11)Dec-18-0,1%-0,2%-0,1%0,1%0,3%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-17-3,0%-3,0%477492514536564583
Estimated Profitability, Percent, Gross rent + capital gain (13)Sep-182,8%2,6%11,2%10,9%8,4%9,1%4,9%-3,6%
Gross Rent, Percent (14)Sep-18-4,9%-1,2%4,0%4,3%4,4%4,6%4,6%4,3%
10 Year Bonds, Percent (15)nov. -182,5%-1,8%1,5%1,5%1,5%1,5%1,9%4,1%
Euribor 1 Year, Percent (16)Dec-18-0,1%-0,2%-0,1%0,1%0,3%0,0%
IBEX 35, Annual change, Percent (17)nov. -18-28,6%4,4%-11,1%17,5%-16,4%-3,6%9,5%24,0%
(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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