26 February 2016 Mortgage Statistics (H) December 2015 and Year 2015. Provisional data The number of housing mortgages recorded in Land Registries in December is 19,362, 21.1% more than the same month in 2014 The average value of these mortgages increased by 2.5% over the year and stands at 107,880 euros In 2015 the average value of housing mortgages rose by 3.6% The average value of mortgages recorded in Land Registries in December (resulting from public deeds signed previously) is 120,857 euros, 2.6% lower than the same month in 2014. The number of mortgages constituted for housing is 19,362, 21.1% more than in December 2014. The average value is 107,880 Euros, an annual increase of 2.5%. 104.4 104.3 109.9 111.7 106.7 107.9 Dec-15 103.6 Nov-15 Feb-15 103.9 Aug-15 Jan-15 100.7 Jul-15 Dec-14 102.0 Jun-15 109.5 May-15 105.8 Apr-15 105.2 Mar-15 105.0 Nov-14 Average amount mortaged on dwellings in thousands of euros 120 80 40 Oct-15 Sep-15 0 The value of mortgages constituted for urban properties reached 3,262.2 million euros, 18.0% more than in December 2014. For housing, the loaned capital reached 2,088.8 million, an annual increase of 24.1%. Mortgages constituted.December 2015 Total Total properties Number of mortgaged properties Capital loaned (thousands of euros) Average amount (euros) Rustic properties Number of mortgaged properties Capital loaned (thousands of euros) Average amount (euros) Urban properties Number of mortgaged properties Capital loaned (thousands of euros) Average amount (euros) Dwellings Number of mortgaged properties Capital loaned (thousands of euros) Average amount (euros) Variation rate Monthly Annual Interannual accumulated 28,515 3,446,248 120,857 -0.6 -7.3 -6.8 22.0 18.8 -2.6 17.1 16.2 -0.8 1,462 184,038 125,881 3.5 -12.2 -15.2 39.9 34.4 -3.9 4.7 10.1 5.2 27,053 3,262,210 120,586 -0.8 -7.0 -6.3 21.1 18.0 -2.6 17.9 16.6 -1.1 19,362 2,088,782 107,880 0.6 1.8 1.1 21.1 24.1 2.5 19.8 24.1 3.6 M - DECEMBER 2015 AND YEAR 2015 (1/16) Mortgages constituted, by type of property By type of property, mortgages constituted on housing made up 60.6% of the total capital loaned in the month of December. Distribution of the capital loaned for mortgages according to the nature of the property (%) 80 60.6 60 40 28.6 20 5.5 5.3 0 Dwellings Lands Other urban properties Rustic properties Monthly evolution of mortgages constituted for housing In order to help with the analysis and interpretation of the data, the following chart shows the variation in the number of housing mortgages between the months of December and November over the last five years. In 2015 the monthly rate shows an increase of 0.6%, the largest for the period in question. Evolution of the monthly rate of de number of mortgages constituted for the dwellings (December variation as compared with November of the same year) 5 0.6 0 -5 -3.3 -8.0 -10 -11.1 -15 -12.9 -20 2011 2012 2013 2015 2014 As regards capital loaned for mortgages for housing, the monthly rate for the year 2015 was 1.8%, also the largest for the period. Evolution of the monthly rate of the capital lent of mortgages constituted for the dwellings (December variation as compared with November of the same year) 5 1.8 0 -5 -3.1 -10 -9.6 -15 -20 -15.7 -16.9 2011 2012 2013 2014 2015 M - DECEMBER 2015 AND YEAR 2015 2/16 Mortgage interest rates 90.2% of the mortgages constituted in December used a variable interest rate, as opposed to 9.8% that used a fixed rate. The Euribor was the reference interest rate most used in constituting variable rate mortgages, specifically in 89.8% of new contracts. The average initial interest rate for mortgages for all properties was 3.45%, with the average term being 21 years. The average initial interest rate for mortgages constituted for housing was 3.37%, down 3.5% on the figure for December 2014. Average interes rate on dwellings 3.34 3.30 3.26 3.37 Dec-15 3.25 Nov-15 3.37 Oct-15 3.35 Sep-15 3.40 Aug-15 Feb-15 3.29 Jul-15 Jan-15 3.36 Jun-15 3.35 May-15 3.29 Apr-15 3.50 Mar-15 3.49 Dec-14 4.00 Nov-14 5.00 3.00 2.00 1.00 0.00 Mortgages with registration changes The total number of mortgages with changes in conditions recorded in Land Registries in December was 11,460; 17.4% more than the same month in 2014. For housing, the number of mortgages modifying their conditions fell by 13.0%. As regards changes in conditions, in December, 9,259 novations (or modifications produced with the same financial institution) were produced, showing a fall of 18.9% compared to December 2014 The number of transactions to change institution (subrogations of creditor), fell by 1.7%, and the number of mortgages in which the holder of the mortgaged property changed (subrogations of debtor) fell by 37.2%. Mortgages with registration changes. December 2015 Total Total mortgages with changes Novations Subrogations Debtor Subrogations Creditor Variation rate Inter-monthly 11,460 9,259 369 1,832 -3.0 -0.6 -46.5 1.0 Interannual -17.4 -18.9 -37.2 -1.7 Interannual accumulated -16.5 -16.9 -25.9 -11.6 Number of mortgages with changes in interest rate conditions Of the 11,460 mortgages with changes in their conditions, 42.9% were due to changes in the interest rate. After changes in conditions, the percentage of fixed-rate mortgages rose from 4.7% to 5.6%, whilst that for variable interest fell from 94.3% to 93.3%. M - DECEMBER 2015 AND YEAR 2015 3/16 The Euribor is the reference rate for the highest percentage of variable-rate mortgages, both before the change (73.7%), and after (84.4%). After the modification of conditions, the average interest for fixed-rate mortgage loans fell by 0.30 points and for variable interest rates mortgages it fell 1.60 points. Mortgages with registration changes in interest rates conditions. December 2015 Interest rate modality Total interest rate changes Fixed Variable -Euribor Without interest Before the change in interest rate After the change in interest rate No. of Original Original No. of Final interest Final average mortgages interest average mortgages rate structure interest of rate interest of loan % loan structure % 4,918 100.0 4,918 100.0 229 4.7 4.7 275 5.6 4.4 4,639 94.3 4.4 4,590 93.3 2.8 3,624 73.7 4.3 4,148 84.4 2.7 50 1.0 53 1.1 Results by Autonomous Community The Communities with the greatest number of mortgages constituted on housing in December are Andalusia (4,137), Catalonia (3,312) and the Community of Madrid (2,904). Those presenting the highest annual variation rates were the Principality of Asturias (45.7%), Catalonia (39.6%) and Aragón (35.3%). The Communities in which the most capital for the constitution of mortgages on housing is lent are the Community of Madrid (415.0 million euros), Catalonia (406.2 million) and Andalusia (390.2 million). Mortgages constituted on dwellings by Autonomous City and Community. December 2015 Number Variation rate Monthly TOTAL Andalucía Aragón Asturias, Principado de Balears, Illes Canarias Cantabria Castilla - La Mancha Castilla y León Cataluña Comunitat Valenciana Extremadura Galicia Madrid, Comunidad de Murcia, Región de Navarra, Comunidad Foral de País Vasco Rioja, La 19,362 4,137 548 392 617 820 285 681 612 3,312 1,758 370 833 2,904 552 313 1,085 108 0.6 7.2 24.0 23.7 10.6 -16.4 25.6 -11.9 -13.7 0.3 -8.1 -12.3 6.1 0.8 9.7 18.1 -0.1 -34.5 Annual 21.1 32.9 35.3 45.7 34.4 11.9 26.7 4.1 -1.1 39.6 8.9 25.4 29.5 0.7 22.4 24.7 26.2 2.9 Capital loaned Variation rate (thousands of euros) Monthly Annual 2,088,782 1.8 390,180 4.4 58,296 47.7 33,839 24.8 78,725 0.3 68,998 -6.3 27,283 4.8 57,337 -14.3 51,627 -11.4 406,177 0.2 143,802 -7.6 25,047 -15.9 89,310 20.2 415,045 -1.5 41,744 16.3 35,023 28.9 153,333 9.7 9,493 -28.4 M - DECEMBER 2015 AND YEAR 2015 4/16 24.1 37.8 60.5 49.0 26.9 23.4 21.1 8.9 -0.5 61.4 10.1 29.6 63.9 -9.7 18.3 38.6 47.0 6.6 The Communities with the greatest monthly variation in the number of mortgages on housing are Cantabria (25.6%), Aragón (24.0%) and the Principality of Asturias (23.7%). Conversely, those showing the most negative monthly variation in rates are La Rioja (– 34.5%), The Canaries (–16.4%) and Castilla La Mancha (–13.7%). Monthly variation of the number of mortgages constituted on dwellings. December 2015 Cantabria 25.6 Aragón 24.0 Asturias, Principado de 23.7 Navarra, Comunidad Foral de 18.1 Balears, Illes 10.6 Murcia, Región de 9.7 Andalucía 7.2 Galicia 6.1 Madrid, Comunidad de 0.8 TOTAL 0.6 Cataluña 0.3 País Vasco -0.1 Comunitat Valenciana -8.1 Castilla y León -11.9 Extremadura -12.3 Castilla - La Mancha -13.7 Canarias Rioja, La -16.4 -34.5 M - DECEMBER 2015 AND YEAR 2015 5/16 Results for the whole of the year 2015 The average value of mortgages recorded in Land Registries for the whole of 2015 (resulting from public deeds signed previously) sits at 129,214 euros, 0.8% lower than for 2014. In the case of mortgages constituted on housing, the average amount was 105,931 euros, 3.6% more than the previous year. Average amount mortaged on dwellings in thousands of euros 114 112 110 108 106 104 102 100 98 96 94 111.9 105.9 103.4 102.3 100.0 2011 2012 2013 2014 2015 The value of mortgages constituted for urban properties reached 44,887.7 million euros, 16.6% more than in 2014. For housing, the loaned capital reached 25,934.7 million, an increase of 24.1%. Mortgages constituted Total 2015 Total properties Number of mortgaged properties Capital loaned (thousands of euros) Average amount (euros) Rustic properties Number of mortgaged properties Capital loaned (thousands of euros) Average amount (euros) Urban properties Number of mortgaged properties Capital loaned (thousands of euros) Average amount (euros) Dwellings Number of mortgaged properties Capital loaned (thousands of euros) Average amount (euros) % Annual variation 2015 2014 2013 2012 369,588 47,756,004 129,214 17.1 16.2 -0.8 -3.5 9.6 13.6 -28.4 -27.6 1.2 -29.9 -33.6 -5.3 18,566 2,868,292 154,492 4.7 10.1 5.2 -4.9 -8.1 -3.4 -29.3 -33.2 -5.4 -17.0 -16.9 0.1 351,022 44,887,712 127,877 17.9 16.6 -1.1 -3.4 11.1 15.0 -28.4 -27.1 1.8 -30.6 -34.8 -6.1 244,827 25,934,738 105,931 19.8 24.1 3.6 2.3 4.6 2.2 -27.1 -29.5 -3.3 -33.0 -38.0 -7.6 M - DECEMBER 2015 AND YEAR 2015 6/16 The number of mortgages on housing for the whole of 2015 was 244,827, 19.8% higher than for 2014. Evolution of the number of mortgages constituted on dwellings (in thousands) 450 400 350 300 250 200 150 100 50 0 408.5 273.9 2011 244.8 2012 199.7 204.3 2013 2014 2015 Mortgages with registration changes in the year 2015 The total number of mortgages with changes in their conditions recorded in the Land Registries for the year 2015 stood at 180,007, representing an annual decrease of 16.5%. Considering the type of modification of the conditions, 143,237 novations (or modifications produced with the same financial institution) were registered, with a fall of 16.9%. The number of transactions to change institution (subrogations of creditor), fell by 11.6%, and the number of mortgages in which the holder of the mortgaged property changed (subrogations of debtor) fell by 25.9%. Mortgages with registration changes Total 2015 % Annual variation 2015 Total properties Novations Subrogations Debtor Subrogations Creditor 180,007 143,237 7,076 29,694 2014 -16.5 -16.9 -25.9 -11.6 2013 -18.9 -20.8 -15.7 -8.9 2012 -17.5 -18.7 -34.4 -0.6 -3.6 -4.2 6.2 -2.7 Geographical distribution for the year 2015 The Communities with the greatest number of mortgages constituted on housing during the year 2015 were Andalusia (45,971), The Community of Madrid (42,382) and Catalonia (38,583). The Communities in which most capital for the constitution of mortgages on housing was lent were the Community of Madrid (6,233.0 million euros), Catalonia (4,640.4 million) and Andalusia (4,159.5 million). M - DECEMBER 2015 AND YEAR 2015 7/16 Mortgages constituted on dwellings by Autonomous City and Community. Year 2015 % Annual Number of % Annual Capital loaned mortgaged dwellings variation (thousands of euros) variation TOTAL 244,827 19.8 25,934,738 24.1 Andalucía 45,971 20.4 4,159,532 24.4 Aragón 7,073 19.5 654,277 19.7 Asturias, Principado de 4,210 11.8 389,449 15.5 Balears, Illes 8,300 41.4 974,287 41.4 Canarias 11,107 20.6 935,418 36.7 Cantabria 2,806 24.9 288,765 34.4 Castilla y León 9,849 8.9 842,108 9.4 Castilla - La Mancha 8,097 12.7 627,983 13.2 Cataluña 38,583 25.9 4,640,394 32.8 Comunitat Valenciana 25,472 17.3 2,016,841 18.0 Extremadura 4,323 16.5 304,322 18.2 Galicia 9,713 13.6 922,948 22.2 Madrid, Comunidad de 42,382 19.6 6,232,987 20.9 Murcia, Región de 6,877 23.7 559,864 37.6 Navarra, Comunidad Foral de 3,804 2.5 391,461 2.1 País Vasco 13,992 22.0 1,778,544 28.9 Rioja, La 1,582 12.5 126,186 -0.1 Ceuta 244 -11.6 29,257 -31.3 Melilla 442 12.8 60,115 47.1 The Communities with the greatest annual variation rates in the number of mortgages on housing were The Balearic Islands (41.4%), Catalonia (25.9%) and Cantabria (24.9%). On the other hand, those showing the lowest rates were the Community of Navarre (2.5%), Castille and León (8.9%) and the Principality of Asturias (11.8%). Annual variation of the number of mortgages constituted on dwellings. Year 2015 24.9 25.9 Cataluña País Vasco 23.7 Cantabria 22.0 Murcia, Región de 20.6 Canarias Galicia Andalucía Castilla - La Mancha 19.8 TOTAL Rioja, La 19.6 Madrid, Comunidad de 13.6 19.5 20.4 Aragón 12.7 17.3 Comunitat Valenciana 12.5 16.5 Extremadura 11.8 Asturias, Principado de 41.4 8.9 Balears, Illes Castilla y León Navarra, Comunidad Foral de 2.5 M - DECEMBER 2015 AND YEAR 2015 8/16 Mortgages Statistics December 2015. Provisional data M.1 Total mortgaged rustic and urban buildings Capital in thousands of euros Total buildings Number Capital TOTAL Andalucía Aragón Asturias, Principado de Balears, Illes Canarias Cantabria Castilla y León Castilla - La Mancha Cataluña Comunitat Valenciana Extremadura Galicia Madrid, Comunidad de Murcia, Región de Navarra, Comunidad Foral de País Vasco Rioja, La Ceuta Melilla 28,515 5,694 805 526 892 1,786 423 1,118 1,029 4,369 2,696 526 1,333 4,341 904 404 1,446 181 18 24 3,446,248 586,347 140,001 51,868 143,094 144,400 38,964 119,273 111,257 553,920 230,557 41,048 131,579 768,115 67,544 53,157 247,122 13,944 2,201 1,857 Rustic buildings Number Capital 1,462 290 87 28 60 41 12 172 127 53 276 67 75 8 73 16 55 21 0 1 184,038 54,581 12,290 7,383 16,174 4,560 1,195 17,001 8,265 6,570 14,118 7,396 4,467 5,945 8,784 9,586 5,103 441 0 179 Urban buildings Number Capital 27,053 5,404 718 498 832 1,745 411 946 902 4,316 2,420 459 1,258 4,333 831 388 1,391 160 18 23 3,262,210 531,766 127,711 44,485 126,920 139,840 37,769 102,272 102,992 547,350 216,439 33,652 127,112 762,170 58,760 43,571 242,019 13,503 2,201 1,678 M.2 Urban buildings, according to type of building Capital in thousands of euros Urban buildings Number Capital TOTAL Andalucía Aragón Asturias, Principado de Balears, Illes Canarias Cantabria Castilla y León Castilla - La Mancha Cataluña Comunitat Valenciana Extremadura Galicia Madrid, Comunidad de Murcia, Región de Navarra, Comunidad Foral de País Vasco Rioja, La Ceuta Melilla 27,053 5,404 718 498 832 1,745 411 946 902 4,316 2,420 459 1,258 4,333 831 388 1,391 160 18 23 3,262,210 531,766 127,711 44,485 126,920 139,840 37,769 102,272 102,992 547,350 216,439 33,652 127,112 762,170 58,760 43,571 242,019 13,503 2,201 1,678 Dwellings Number 19,362 4,137 548 392 617 820 285 681 612 3,312 1,758 370 833 2,904 552 313 1,085 108 17 18 Capital 2,088,782 390,180 58,296 33,839 78,725 68,998 27,283 57,337 51,627 406,177 143,802 25,047 89,310 415,045 41,744 35,023 153,333 9,493 2,126 1,397 Lots Number 753 117 4 0 11 384 1 11 24 66 30 19 11 40 14 5 12 4 0 0 Capital 188,649 24,677 766 0 6,796 14,230 147 4,262 5,583 15,945 3,375 2,380 1,062 79,264 4,986 413 24,158 605 0 0 Other urban land Number Capital 6,938 1,150 166 106 204 541 125 254 266 938 632 70 414 1,389 265 70 294 48 1 5 984,779 116,909 68,649 10,646 41,399 56,612 10,339 40,673 45,782 125,228 69,262 6,225 36,740 267,861 12,030 8,135 64,528 3,405 75 281 M - DECEMBER 2015 AND YEAR 2015 (9/16) December 2015. Provisional data M.3 Rustic buildings, according to loaning bank Capital in thousands of euros Rustic buildings Number Capital TOTAL Andalucía Aragón Asturias, Principado de Balears, Illes Canarias Cantabria Castilla y León Castilla - La Mancha Cataluña Comunitat Valenciana Extremadura Galicia Madrid, Comunidad de Murcia, Región de Navarra, Comunidad Foral de País Vasco Rioja, La Ceuta Melilla 1,462 290 87 28 60 41 12 172 127 53 276 67 75 8 73 16 55 21 0 1 184,038 54,581 12,290 7,383 16,174 4,560 1,195 17,001 8,265 6,570 14,118 7,396 4,467 5,945 8,784 9,586 5,103 441 0 179 Banks Number 924 200 44 16 48 29 11 79 92 37 149 63 39 6 40 5 45 20 0 1 Capital 133,200 43,106 7,618 2,012 14,665 3,168 1,184 12,436 4,159 5,132 8,286 6,592 4,181 5,774 5,391 5,760 3,366 191 0 179 Other banks Number Capital 538 90 43 12 12 12 1 93 35 16 127 4 36 2 33 11 10 1 0 0 50,838 11,475 4,672 5,371 1,509 1,392 11 4,565 4,106 1,438 5,832 804 286 171 3,393 3,826 1,737 250 0 0 M.4 Urban buildings, according to loaning bank Capital in thousands of euros Urban buildings Number Capital TOTAL Andalucía Aragón Asturias, Principado de Balears, Illes Canarias Cantabria Castilla y León Castilla - La Mancha Cataluña Comunitat Valenciana Extremadura Galicia Madrid, Comunidad de Murcia, Región de Navarra, Comunidad Foral de País Vasco Rioja, La Ceuta Melilla 27,053 5,404 718 498 832 1,745 411 946 902 4,316 2,420 459 1,258 4,333 831 388 1,391 160 18 23 3,262,210 531,766 127,711 44,485 126,920 139,840 37,769 102,272 102,992 547,350 216,439 33,652 127,112 762,170 58,760 43,571 242,019 13,503 2,201 1,678 Banks Number 23,958 4,841 634 368 761 1,382 385 803 774 3,927 2,096 441 1,211 4,074 698 257 1,129 138 18 21 Capital 2,889,082 470,797 115,074 34,538 119,593 117,522 35,638 92,084 92,125 489,098 173,886 32,703 122,066 726,260 49,554 25,467 176,845 12,125 2,201 1,506 Other banks Number Capital 3,095 563 84 130 71 363 26 143 128 389 324 18 47 259 133 131 262 22 0 2 373,128 60,969 12,637 9,947 7,327 22,318 2,131 10,188 10,867 58,252 42,553 949 5,046 35,910 9,206 18,104 65,174 1,378 0 172 M - DECEMBER 2015 AND YEAR 2015 (10/16) December 2015. Provisional data M.5 Total mortgages cancelled, according to type of building Total buildings TOTAL Andalucía Aragón Asturias, Principado de Balears, Illes Canarias Cantabria Castilla y León Castilla - La Mancha Cataluña Comunitat Valenciana Extremadura Galicia Madrid, Comunidad de Murcia, Región de Navarra, Comunidad Foral de País Vasco Rioja, La Ceuta Melilla Rustic buildings 39,317 6,979 984 850 1,650 1,564 950 1,807 2,107 5,405 6,650 719 1,679 4,511 1,487 345 1,161 397 30 42 1,914 407 42 149 50 38 26 105 156 222 389 58 69 35 97 15 10 44 0 2 Dwellings Lots 23,860 4,438 570 426 936 984 463 1,025 1,122 3,519 3,735 390 963 3,155 886 257 735 212 19 25 Other urban land 1,059 264 17 23 22 38 14 143 76 113 114 38 21 93 43 8 13 15 0 4 12,484 1,870 355 252 642 504 447 534 753 1,551 2,412 233 626 1,228 461 65 403 126 11 11 M.6 Total cancelled mortgages, according to type of building and loaning bank Total buildings Banks TOTAL Andalucía Aragón Asturias, Principado de Balears, Illes Canarias Cantabria Castilla y León Castilla - La Mancha Cataluña Comunitat Valenciana Extremadura Galicia Madrid, Comunidad de Murcia, Región de Navarra, Comunidad Foral de País Vasco Rioja, La Ceuta Melilla 34,862 6,160 860 738 1,494 1,372 864 1,621 1,921 4,786 6,081 683 1,504 3,957 1,365 213 857 321 29 36 Rustic buildings Banks Other banks 4,455 819 124 112 156 192 86 186 186 619 569 36 175 554 122 132 304 76 1 6 1,613 319 22 144 38 28 23 92 106 197 344 50 67 35 84 12 8 42 0 2 Urban buildings Banks Other banks 301 88 20 5 12 10 3 13 50 25 45 8 2 0 13 3 2 2 0 0 33,249 5,841 838 594 1,456 1,344 841 1,529 1,815 4,589 5,737 633 1,437 3,922 1,281 201 849 279 29 34 Other banks 4,154 731 104 107 144 182 83 173 136 594 524 28 173 554 109 129 302 74 1 6 M - DECEMBER 2015 AND YEAR 2015 (11/16) December 2015. Provisional data M.7 Total mortgages with changes, according to type of change and type of building Total buildings TOTAL Andalucía Aragón Asturias, Principado de Balears, Illes Canarias Cantabria Castilla y León Castilla - La Mancha Cataluña Comunitat Valenciana Extremadura Galicia Madrid, Comunidad de Murcia, Región de Navarra, Comunidad Foral de País Vasco Rioja, La Ceuta Melilla 11,460 2,302 428 145 222 461 103 309 905 1,660 1,858 128 483 1,788 341 71 190 49 8 9 Type of change Type of building Novation Subrogations Subrogations Rustic Urban Debtor Creditor buildings buildings 9,259 1,658 374 119 215 332 93 270 727 1,329 1,471 110 441 1,589 294 64 118 39 8 8 For further information see INEbase – www.ine.es/en/ 369 67 7 6 1 23 0 12 14 52 98 4 24 33 7 2 17 2 0 0 1,832 577 47 20 6 106 10 27 164 279 289 14 18 166 40 5 55 8 0 1 667 116 10 7 18 14 1 18 329 19 68 14 16 7 26 0 3 0 0 1 10,793 2,186 418 138 204 447 102 291 576 1,641 1,790 114 467 1,781 315 71 187 49 8 8 Dwellings 6,747 1,300 223 100 152 326 65 182 358 1,293 1,027 84 285 872 238 55 141 34 7 5 All press releases at: www.ine.es/en/prensa/prensa_en.htm Press Office: Telephone numbers: 91 583 93 63 / 94 08 – Fax: 91 583 90 87 – gprensa@ine.es Information Area: Telephone number: 91 583 91 00 – Fax: 91 583 91 58 – www.ine.es/infoine/?L=1 M -DECEMBER 2015 AND YEAR 2015 (12/16) Year 2015. Provisional data M.1 Total mortgaged rustic and urban buildings Capital in thousands of euros Total buildings Number Capital TOTAL Andalucía Aragón Asturias, Principado de Balears, Illes Canarias Cantabria Castilla y León Castilla - La Mancha Cataluña Comunitat Valenciana Extremadura Galicia Madrid, Comunidad de Murcia, Región de Navarra, Comunidad Foral de País Vasco Rioja, La Ceuta Melilla 369,588 67,877 11,032 6,884 12,708 19,063 4,370 17,050 13,200 54,131 38,052 7,366 16,152 60,634 11,503 5,373 20,443 2,775 330 645 47,756,004 7,279,866 1,223,040 708,099 2,182,201 2,190,201 509,733 1,738,473 1,290,413 8,020,265 3,543,737 865,679 1,840,664 11,129,848 1,104,574 729,879 3,007,341 229,787 81,042 81,162 Rustic buildings Number Capital 18,566 4,833 1,122 552 741 483 106 1,917 1,634 1,136 1,713 1,273 831 136 1,203 251 386 240 1 8 2,868,292 891,729 147,906 65,237 173,709 71,841 12,730 186,446 175,045 177,212 182,394 306,299 92,799 48,793 188,038 33,882 94,710 18,152 62 1,308 Urban buildings Number Capital 351,022 63,044 9,910 6,332 11,967 18,580 4,264 15,133 11,566 52,995 36,339 6,093 15,321 60,498 10,300 5,122 20,057 2,535 329 637 44,887,712 6,388,137 1,075,134 642,862 2,008,492 2,118,360 497,003 1,552,027 1,115,368 7,843,053 3,361,343 559,380 1,747,865 11,081,055 916,536 695,997 2,912,631 211,635 80,980 79,854 M.2 Urban buildings, according to type of building Capital in thousands of euros Urban buildings Number Capital TOTAL Andalucía Aragón Asturias, Principado de Balears, Illes Canarias Cantabria Castilla y León Castilla - La Mancha Cataluña Comunitat Valenciana Extremadura Galicia Madrid, Comunidad de Murcia, Región de Navarra, Comunidad Foral de País Vasco Rioja, La Ceuta Melilla 351,022 63,044 9,910 6,332 11,967 18,580 4,264 15,133 11,566 52,995 36,339 6,093 15,321 60,498 10,300 5,122 20,057 2,535 329 637 44,887,712 6,388,137 1,075,134 642,862 2,008,492 2,118,360 497,003 1,552,027 1,115,368 7,843,053 3,361,343 559,380 1,747,865 11,081,055 916,536 695,997 2,912,631 211,635 80,980 79,854 Dwellings Number Capital 244,827 45,971 7,073 4,210 8,300 11,107 2,806 9,849 8,097 38,583 25,472 4,323 9,713 42,382 6,877 3,804 13,992 1,582 244 442 25,934,738 4,159,532 654,277 389,449 974,287 935,418 288,765 842,108 627,983 4,640,394 2,016,841 304,322 922,948 6,232,987 559,864 391,461 1,778,544 126,186 29,257 60,115 Lots Number 8,086 2,185 156 78 239 680 30 513 586 915 680 399 194 731 222 125 293 49 1 10 Capital 3,065,247 518,031 76,768 17,132 86,793 85,358 31,802 75,482 94,817 449,797 162,166 91,430 70,658 823,815 31,907 92,157 332,949 22,794 60 1,331 Other urban land Number Capital 98,109 14,888 2,681 2,044 3,428 6,793 1,428 4,771 2,883 13,497 10,187 1,371 5,414 17,385 3,201 1,193 5,772 904 84 185 15,887,727 1,710,574 344,089 236,281 947,412 1,097,584 176,436 634,437 392,568 2,752,862 1,182,336 163,628 754,259 4,024,253 324,765 212,379 801,138 62,655 51,663 18,408 M -DECEMBER 2015 AND YEAR 2015 (13/16) Year 2015. Provisional data M.3 Rustic buildings, according to loaning bank Capital in thousands of euros Rustic buildings Number Capital TOTAL Andalucía Aragón Asturias, Principado de Balears, Illes Canarias Cantabria Castilla y León Castilla - La Mancha Cataluña Comunitat Valenciana Extremadura Galicia Madrid, Comunidad de Murcia, Región de Navarra, Comunidad Foral de País Vasco Rioja, La Ceuta Melilla 18,566 4,833 1,122 552 741 483 106 1,917 1,634 1,136 1,713 1,273 831 136 1,203 251 386 240 1 8 2,868,292 891,729 147,906 65,237 173,709 71,841 12,730 186,446 175,045 177,212 182,394 306,299 92,799 48,793 188,038 33,882 94,710 18,152 62 1,308 Banks Number 11,582 3,017 597 254 610 318 85 1,050 923 773 922 1,049 640 103 676 116 268 174 1 6 Capital 2,000,415 584,825 85,211 38,205 156,502 40,865 8,502 123,414 103,067 120,434 118,659 268,269 79,546 38,175 123,180 20,970 76,274 13,316 62 939 Other banks Number Capital 6,984 1,816 525 298 131 165 21 867 711 363 791 224 191 33 527 135 118 66 0 2 867,877 306,904 62,695 27,032 17,207 30,976 4,228 63,032 71,978 56,778 63,735 38,030 13,253 10,618 64,858 12,912 18,436 4,836 0 369 M.4 Urban buildings, according to loaning bank Capital in thousands of euros Urban buildings Number Capital TOTAL Andalucía Aragón Asturias, Principado de Balears, Illes Canarias Cantabria Castilla y León Castilla - La Mancha Cataluña Comunitat Valenciana Extremadura Galicia Madrid, Comunidad de Murcia, Región de Navarra, Comunidad Foral de País Vasco Rioja, La Ceuta Melilla 351,022 63,044 9,910 6,332 11,967 18,580 4,264 15,133 11,566 52,995 36,339 6,093 15,321 60,498 10,300 5,122 20,057 2,535 329 637 44,887,712 6,388,137 1,075,134 642,862 2,008,492 2,118,360 497,003 1,552,027 1,115,368 7,843,053 3,361,343 559,380 1,747,865 11,081,055 916,536 695,997 2,912,631 211,635 80,980 79,854 Banks Number 305,717 55,207 7,976 4,792 10,860 16,602 3,939 12,486 9,320 47,466 31,169 5,492 14,319 55,833 8,381 3,246 15,663 2,097 309 560 Capital 39,025,250 5,550,938 878,681 498,431 1,830,743 1,937,478 466,974 1,258,628 888,050 6,968,325 2,785,254 499,297 1,494,876 10,239,856 755,294 425,471 2,234,678 171,573 71,628 69,075 Other banks Number Capital 45,305 7,837 1,934 1,540 1,107 1,978 325 2,647 2,246 5,529 5,170 601 1,002 4,665 1,919 1,876 4,394 438 20 77 5,862,462 837,199 196,453 144,431 177,749 180,882 30,029 293,399 227,318 874,728 576,089 60,083 252,989 841,199 161,242 270,526 677,953 40,062 9,352 10,779 M -DECEMBER 2015 AND YEAR 2015 (14/16) Year 2015. Provisional data M.5 Total mortgages cancelled, according to type of building Total buildings TOTAL Andalucía Aragón Asturias, Principado de Balears, Illes Canarias Cantabria Castilla y León Castilla - La Mancha Cataluña Comunitat Valenciana Extremadura Galicia Madrid, Comunidad de Murcia, Región de Navarra, Comunidad Foral de País Vasco Rioja, La Ceuta Melilla Rustic buildings 476,310 95,996 11,027 7,994 15,203 24,060 6,404 25,087 22,162 62,324 72,840 9,231 21,528 59,114 18,574 4,883 14,505 4,514 329 535 20,882 5,503 710 551 726 561 174 1,568 1,403 1,099 3,126 964 2,003 424 1,368 182 278 228 3 11 Dwellings Lots 300,764 61,121 6,343 4,699 9,246 14,453 3,902 14,204 13,321 42,394 45,704 5,588 12,253 40,277 11,663 3,145 9,151 2,682 220 398 15,398 3,975 292 260 430 506 110 1,595 1,545 1,639 1,469 681 308 1,254 606 304 244 165 5 10 Other urban land 139,266 25,397 3,682 2,484 4,801 8,540 2,218 7,720 5,893 17,192 22,541 1,998 6,964 17,159 4,937 1,252 4,832 1,439 101 116 M.6 Total cancelled mortgages, according to type of building and loaning bank Total buildings Banks TOTAL Andalucía Aragón Asturias, Principado de Balears, Illes Canarias Cantabria Castilla y León Castilla - La Mancha Cataluña Comunitat Valenciana Extremadura Galicia Madrid, Comunidad de Murcia, Región de Navarra, Comunidad Foral de País Vasco Rioja, La Ceuta Melilla 413,253 83,006 8,810 6,405 13,235 21,344 5,599 21,475 19,930 54,596 63,715 8,597 19,811 51,895 16,512 3,346 10,915 3,294 299 469 Rustic buildings Banks Other banks 63,057 12,990 2,217 1,589 1,968 2,716 805 3,612 2,232 7,728 9,125 634 1,717 7,219 2,062 1,537 3,590 1,220 30 66 15,788 3,812 439 413 575 455 146 1,155 1,037 820 2,470 767 1,833 322 1,076 85 192 179 3 9 Other banks 5,094 1,691 271 138 151 106 28 413 366 279 656 197 170 102 292 97 86 49 0 2 Urban buildings Banks Other banks 397,465 79,194 8,371 5,992 12,660 20,889 5,453 20,320 18,893 53,776 61,245 7,830 17,978 51,573 15,436 3,261 10,723 3,115 296 460 57,963 11,299 1,946 1,451 1,817 2,610 777 3,199 1,866 7,449 8,469 437 1,547 7,117 1,770 1,440 3,504 1,171 30 64 M -DECEMBER 2015 AND YEAR 2015 (15/16) Year 2015. Provisional data M.7 Total mortgages with changes, according to type of change and type of building Total buildings TOTAL Andalucía Aragón Asturias, Principado de Balears, Illes Canarias Cantabria Castilla y León Castilla - La Mancha Cataluña Comunitat Valenciana Extremadura Galicia Madrid, Comunidad de Murcia, Región de Navarra, Comunidad Foral de País Vasco Rioja, La Ceuta Melilla 180,007 39,607 4,936 3,085 4,745 8,953 1,376 7,435 8,371 25,509 28,963 2,282 6,501 25,575 6,185 1,305 3,478 1,417 196 88 Type of change Type of building Novation Subrogations Subrogations Rustic Urban Debtor Creditor buildings buildings 143,237 32,713 4,226 2,627 4,124 4,208 1,139 6,539 7,002 19,724 20,963 1,982 5,839 21,207 5,402 1,207 2,783 1,298 193 61 7,076 1,488 174 107 30 248 9 217 205 968 2,456 31 164 347 182 57 345 40 3 5 29,694 5,406 536 351 591 4,497 228 679 1,164 4,817 5,544 269 498 4,021 601 41 350 79 0 22 9,701 2,442 288 299 286 195 34 559 1,130 354 1,987 256 264 741 519 17 237 87 0 6 170,306 37,165 4,648 2,786 4,459 8,758 1,342 6,876 7,241 25,155 26,976 2,026 6,237 24,834 5,666 1,288 3,241 1,330 196 82 Dwellings 106,737 23,609 2,658 1,314 2,731 5,988 939 3,621 4,581 18,008 16,629 1,156 3,469 14,736 3,976 614 1,826 714 113 55 For further information see INEbase – www.ine.es/en/ All press releases at: www.ine.es/en/prensa/prensa_en.htm Press Office: Telephone numbers: 91 583 93 63 / 94 08 – Fax: 91 583 90 87 – gprensa@ine.es Information Area: Telephone number: 91 583 91 00 – Fax: 91 583 91 58 – www.ine.es/infoine/?L=1 M -DECEMBER 2015 AND YEAR 2015 (16/16)