スペインの2012年8月の住宅購買のための契約された住宅ローンの件数は2011年より28'5%減少して21'106件に,金額は30'9%増加して21億8600万0000ユーロに、平均103'592ユーロ。
El número de hipotecas concedidas cae hasta el nivel más bajo de toda la crisis
En agosto se firmaron 21.106 préstamos para comprar vivienda, un 28% menos que hace un año
El importe medio de los créditos se reduce un 3,3%, hasta los 103.592 euros
C. G. Madrid 22 OCT 2012 - 09:40 CET
The number of granted mortgage falls to the lowest level of the entire crisis
In August he signed 21,106 loans to buy housing, 28% less than a year ago
The average loan amount is reduced by 3.3% to 103,592 euros
C. G. Madrid 22 OCT 2012 - 09:40 CET
The housing market shows no signs of recovery. The number of mortgages in August to buy a home fell by 28.5% over the same month last year, to 21,106 loans, the lowest level of the entire crisis, according to data from the National Statistics Institute (INE). This indicator sums and 28 consecutive months of declines.
This is the lowest level since the start of the current statistical series in 2003. The price decline is reflected in mortgages, with the median amount was reduced by 3.3% in August from the same month in 2011, up to 103,592 euros. The total amount borrowed that month exceeded 2,186 million euros, a 30.9% increase.
Falling prices of flats, still inadequate, according to experts is not serving to encourage potential buyers. The difficulties in accessing finance, high unemployment and uncertainty about the future of the economy remain paralyzed the market, which has seen prices have fallen 25% since its peak in 2008, to re- 2004 levels. Still, there are more than 670,000 new homes that are not able to sell.
Although the Euribor is below 1%, the loan interest stood at 4.23%
Savings banks, which during the boom years were the financial institutions more mortgages granted, are suffering more financial crisis. Just attach the 10% of mortgage lending, as banks account for 72%. The rest is held by other financial institutions such as credit unions. Although the main reference rate for mortgages, the Euribor is below 1%, the average interest on loans stood at 4.23% in August.
For communities in all falling the number of mortgages signed. Highlights La Rioja (down nearly 60%), Castilla y León (42%) and Aragon (almost 40%). The average exceeded 200,000 euros in Cantabria (216,433 euros) and Ceuta (206,689).
The lack of activity in the mortgage market is another problem for banks, which on one hand has liquidity problems for lending and, on the other hand, sees his main business until recently evaporated. Not only are fewer mortgages, but also those that are already signed while giving more and more problems.
The escalation in defaults in the banking conquered another peak in August, to stand at 10.5% of the loans in the financial system (banks, savings banks, cooperatives and credit institutions), according to data from the Bank of Spain . The previous record in the economic crisis (9.15% in February 1994), already passed in June, it is becoming increasingly distant. Keep in mind that most of the defaults on housing loans up to the developers to start building and that, in the absence of sales, there is no possible return.
スペインの2012年8月の住宅購買のための契約された住宅ローンの件数は2011年より28'5%減少して21'106件に,金額は30'9%増加して21億8600万0000ユーロに、平均103'592ユーロ。
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