26 June 2008 Mortgages Statistics (Base 2003) April 2008. Provisional data The average value of the mortgages signed in April decreases 5.7% in the interannual rate and reaches 162,336 euros The number of mortgages that change conditions increases 36.8% and registered cancellations decrease 2.0% During the month of April the average amount per mortgage constituted was 162,336 euros, 5.7% less than for the same month in 2007 and 1.4% lower than that recorded in March 2008. In the case of mortgages constituted for housing, the average amount was 141,422 euros, 4.8% less than the same month in 2007, and 0.2% lower than the figure registered in March 2008. Average amount mortgaged on total properties in thousands of euros Average amount mortgaged on dwellings in thousands of euros 180 175 170 165 160 155 150 Apr-08 Mar-08 Feb-08 Jan-08 Dec-07 Nov-07 Oct-07 Sep-07 Aug-07 Jul-07 Jun-07 May-07 Apr-07 Apr-08 Mar-08 Feb-08 Jan-08 Dec-07 Nov-07 Oct-07 Sep-07 Aug-07 Jul-07 Jun-07 May-07 Apr-07 165 160 155 150 145 140 135 The value of mortgages constituted on urban buildings was approximately 19,166 million euros in April, representing an interannual decrease of 12.0%. In housing, the capital loaned reached almost 12,240 million euros, 13.8% less than in April 2007. Both rates of evolution may be affected by the Easter effect, since in 2007 Easter Week was held in April. Total Total properties Number of mortgaged properties Capital loaned (thousands of euros) Average amount (euros) Rustic buildings Number of mortgaged properties Capital loaned (thousands of euros) Average amount (euros) Urban buildings 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 Inter-monthly Interannual Interannual accumulated 125,298 20,340,410 162,336 18.6 17.0 -1.4 -7.8 -13.1 -5.7 -22.9 -24.9 -2.6 3,639 1,174,436 322,736 33.5 44.6 8.3 -5.7 -27.0 -22.6 -18.0 -31.5 -16.5 121,659 19,165,974 157,538 18.2 15.6 -2.2 -7.9 -12.0 -4.5 -23.0 -24.5 -1.9 86,549 12,239,938 141,422 23.0 22.7 -0.2 -9.4 -13.8 -4.8 -25.9 -28.2 -3.1 1 Mortgages by institution Savings banks were the institutions that granted the largest number of mortgage loans in April (58.1% of the total), followed by Banks (31.9%) and other financial institutions (10.0%). Regarding capital loaned, Savings banks granted 52.4% of the total, Banks 37.9% and other financial institutions 9.7%. Mortgage interest rates The average interest rate in April 2008 was 5.13%, resulting in an interannual rate increase of 11.1% and a 1.0% as compared with March 2008. Average interest rate 5.20 5.00 4.80 4.60 4.40 Apr-08 Mar-08 Feb-08 Jan-08 Dec-07 Nov-07 Oct-07 Sep-07 Aug-07 Jul-07 Jun-07 May-07 Apr-07 4.20 The average interest rate of Savings bank mortgage loans was 5.08% and the average term was 26 years. Regarding Banks, the average interest rate for mortgage loans was 5.12% and the average term was 25 years. 97.7% of the mortgages constituted in April used a variable interest rate, as opposed to the 2.3% that used a fixed rate. Within the variables, the Euribor was the reference interest rate most used in constituting mortgages, specifically in 87.2% of new contracts. Mortgages with modified conditions The total number of mortgages with modified conditions was 33,096 in April, which implied an interannual growth of 36.8%. In the case of housing, the number of mortgages that modified their conditions was 26,629, that is, 34.5% more than the number registered in April 2007. Easter, which was held in March this year, may have affected these figures. Number of modifications on total properties Number of modifications on housing Considering the type of modification of the conditions, in April 23,757 novations (or modifications produced within the same financial institution) were produced, for an interannual increase of 28.7%. 2 Apr-08 Mar-08 Feb-08 Jan-08 Dec-07 Nov-07 Oct-07 Sep-07 Aug-07 Jul-07 Jun-07 May-07 Apr-08 Mar-08 Feb-08 Jan-08 Dec-07 Nov-07 Oct-07 Sep-07 Aug-07 Jul-07 Jun-07 May-07 Apr-07 Apr-07 25,000 22,000 19,000 16,000 13,000 10,000 35,000 32,000 29,000 26,000 23,000 20,000 The number of loans that changed institutions (subrogations creditor) was 5,489, for a 40.7% increase in the interannual rate. On the other hand, 3,850 mortgages changed the holder of the mortgaged property (subrogations debtor), which implied an increase of 110.0%. Variation rate Inter-monthly Total Total mortgages with changes -Novations -Subrogations Debtor -Subrogations Creditor 33,096 23,757 3,850 5,489 Interannual 20.41 25.05 2.34 16.17 36.80 28.70 110.04 40.71 Interannual accumulated 23.91 20.56 71.80 16.00 Number of mortgages with changes in interest rate conditions Of the 33,096 mortgages with modified conditions during the month of April, 38.7% were due to changes in interest rates. The percentage of mortgages at a fixed interest rate decreased after the change in conditions (from 7.6% to 1.9% of the total) since most of these loans were referenced to a variable interest rate. Within the interest rate structure, the Euribor was the most important reference. Moreover, its average interest was the lowest before the change (3.86%). Nonetheless, after the change the lowest average interest rate was that referring to Other interest rates (5.11%). After the modification of conditions, the average interest of the loans increased 0.19 points in fixed interest rate mortgages and 1.23 points in variable rate mortgages. Interest rate modality Before the change in interest rate No. of mortgages Fixed Variable -MRTI * Banks -MRTI * Savings banks -MRTI * institutions (other) -Type Act. Ref. Saving Banks -Euribor -Others interest rates Without Total interest rate changes Original structure of interest rates (%) 972 11,717 200 369 400 35 10,166 546 113 12,802 After the change in interest rate Original average interest of loan 7.59 91.53 1.56 2.88 3.12 0.28 79.41 4.27 0.88 100.00 No. of mortgages 5.00 3.96 5.28 4.54 4.37 4.51 3.86 4.58 - Final structure of interest rates (%) 244 12,394 202 269 164 33 11,473 254 163 12,802 Average interest after change 1.91 96.82 1.58 2.10 1.28 0.26 89.62 1.98 1.27 100.00 5.19 5.19 5.26 5.12 5.73 5.39 5.18 5.11 - *MRTI: Mortgage Reference Trend Index Registered mortgage cancellations In April, 67,859 mortgage cancellations were registered, which indicates an interannual decrease of 2.0%. The mortgages cancelled on rustic properties increased 3.8% while those cancelled on urban properties decreased 2.1% in the interannual rate. The number of cancellations on housing decreased 5.2% in the interannual rate. The previous figures may likewise have been affected by the Easter effect. Variation rate Inter-monthly Total Total cancelled mortgages Rustic Urban -Dwellings 67,859 1,869 65,990 47,985 14.44 19.35 14.30 11.51 Interannual -1.97 3.78 -2.13 -5.22 Interannual accumulated -15.66 -6.63 -15.89 -17.62 3 Geographical distribution The highest numbers of mortgaged properties per 100,000 inhabitants1 were in Región de Murcia (774) and Cantabria (447). The greatest increases were recorded in Región de Murcia and Galicia both with 25.5%. The Communities with the highest average mortgaged amount were País Vasco (221,997 euros) and Comunidad de Madrid (213,851 euros). Those with the highest interannual variation rate were Castilla-La Mancha (11.1%) and Canarias (5.8%). Lastly, the Autonomous Communities with the highest number of properties with condition changes per 100,000 inhabitants1 were Comunitat Valenciana (177) and Andalucía (129); meanwhile those with the highest number of mortgages cancelled in the register per 100,000 inhabitants1 were Región de Murcia (285) and Comunitat Valenciana (273). Autonomous Community Mortgaged properties Number* 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 344 360 365 279 419 383 447 282 416 271 432 303 257 305 774 299 231 442 442 159 Average amount mortgaged in euros Amount Interannual Interannual variation variation -8.74 162,336 -5.67 -15.26 155,759 -3.35 13.70 186,106 5.58 -4.78 143,132 -0.93 -20.99 196,958 1.25 -12.66 153,984 5.84 2.12 123,690 -29.34 -12.50 141,049 -3.40 -0.71 148,449 11.09 -26.02 201,816 0.16 -20.19 132,637 -3.19 13.11 108,845 -15.27 25.46 128,807 -17.51 1.35 213,851 -7.27 25.50 108,904 -43.03 21.75 174,597 4.06 6.64 221,997 5.83 24.47 155,253 -27.87 -17.85 63,178 -53.75 103.30 213,938 50.91 Mortgaged properties with changes in conditions* Number* Properties with registered mortgage cancellations* Number* 91 129 111 68 60 50 84 60 112 63 177 56 49 85 114 37 19 62 0 63 186 215 145 138 199 213 172 143 202 159 273 135 118 191 285 121 104 155 110 87 *Per hundred thousand inhabitants 1 This data was calculated from the revision of the figures of the Municipal Register for 2007. Only the population aged between 18 and 84 was considered. For further information see INEbase-www.ine.es/en/welcome_en.htm All press releases at: www.ine.es/en/prensa/prensa_en.htm Press office: Telephone: 91 583 93 63 / 94 08 – Fax: 91 583 90 87 - gprensa@ine.es Information area: Telephone: 91 583 91 00 – Fax: 91 583 91 58 – www.ine.es/infoine 4 Mortgages Statistics (Closures) April 08. Provisional data MS.1 Total mortgaged rustic and urban buildings Amount in thousands of euros Total Number TOTAL Andalucía Almería Cádiz Córdoba Granada Huelva Jaén Málaga Sevilla Aragón Huesca Teruel Zaragoza Asturias (Ppdo de) Balears (Illes) Canarias Las Palmas Santa C. Tenerife Cantabria Castilla y León Avila Burgos León Palencia Salamanca Segovia Soria Valladolid Zamora Castilla-La Mancha Albacete Ciudad Real Cuenca Guadalajara Toledo Cataluña Barcelona Girona Lleida Tarragona Comunitat Valenciana Alicante/Alacant Castellón/Castelló Valencia/València Extremadura Badajoz Cáceres Galicia Coruña A Lugo Ourense Pontevedra Madrid (Comunidad de) Murcia (Región de) Navarra (Com. Foral de) Pais Vasco Alava Guipuzcoa Vizcaya Rioja (La) Ceuta y Melilla Ceuta Melilla 26 June 2008 125,298 22,843 3,434 2,971 1,517 1,962 2,251 1,365 4,609 4,734 3,870 692 427 2,751 2,542 3,469 6,246 3,333 2,913 2,116 5,890 562 746 1,131 342 742 463 137 1,373 394 6,515 977 1,221 578 610 3,129 15,788 10,752 1,968 1,150 1,918 17,045 6,194 2,659 8,192 2,622 1,746 876 5,914 2,646 534 512 2,222 15,018 8,413 1,456 4,108 624 1,181 2,303 1,110 333 253 80 Amount 20,340,410 3,557,995 476,395 444,215 223,730 259,745 280,355 141,700 1,014,487 717,361 720,232 100,528 37,514 582,190 363,841 683,248 961,785 517,336 444,448 261,728 830,776 66,185 96,318 138,538 45,419 88,069 58,069 61,133 231,032 46,016 967,147 118,034 143,749 84,881 115,287 505,196 3,186,265 2,312,019 365,498 162,691 346,058 2,260,795 739,346 394,684 1,126,768 285,392 185,350 100,041 761,766 342,781 58,810 40,791 319,387 3,211,621 916,210 254,213 911,965 169,381 243,811 498,772 172,331 33,100 15,984 17,115 Rustic buildings Number Amount 3,639 1,001 122 84 88 96 61 219 193 138 166 99 12 55 150 209 141 59 82 36 199 17 11 19 16 23 13 1 51 48 153 39 37 18 6 53 158 30 19 50 59 415 195 76 144 171 116 55 399 56 42 19 282 49 214 16 138 24 39 75 19 5 1 4 1,174,436 283,206 28,355 36,910 28,648 16,786 15,481 27,490 47,672 81,860 39,457 17,963 3,350 18,143 43,971 103,212 64,969 51,169 13,800 5,190 74,513 2,390 1,288 8,919 2,598 6,635 5,957 43 32,306 14,377 167,964 8,721 29,590 7,766 2,063 119,824 35,712 12,146 4,925 7,645 10,997 117,499 34,748 64,562 18,190 31,230 14,752 16,478 44,350 9,053 3,750 2,224 29,324 69,277 38,545 1,051 51,786 3,952 23,370 24,465 1,571 931 150 781 Urban buildings Number Amount 121,659 21,842 3,312 2,887 1,429 1,866 2,190 1,146 4,416 4,596 3,704 593 415 2,696 2,392 3,260 6,105 3,274 2,831 2,080 5,691 545 735 1,112 326 719 450 136 1,322 346 6,362 938 1,184 560 604 3,076 15,630 10,722 1,949 1,100 1,859 16,630 5,999 2,583 8,048 2,451 1,630 821 5,515 2,590 492 493 1,940 14,969 8,199 1,440 3,970 600 1,142 2,228 1,091 328 252 76 19,165,974 3,274,789 448,040 407,305 195,082 242,959 264,874 114,210 966,815 635,501 680,775 82,565 34,164 564,047 319,870 580,036 896,816 466,167 430,648 256,538 756,263 63,795 95,030 129,619 42,821 81,434 52,112 61,090 198,726 31,639 799,183 109,313 114,159 77,115 113,224 385,372 3,150,553 2,299,873 360,573 155,046 335,061 2,143,296 704,598 330,122 1,108,578 254,162 170,598 83,563 717,416 333,728 55,060 38,567 290,063 3,142,344 877,665 253,162 860,179 165,429 220,441 474,307 170,760 32,169 15,834 16,334 MS.2 Urban buildings, according to type of building Urban buildings Number Capital TOTAL Andalucía Almería Cádiz Córdoba Granada Huelva Jaén Málaga Sevilla Aragón Huesca Teruel Zaragoza Asturias (Ppdo de) Balears (llles) Canarias Las Palmas Santa C. Tenerife Cantabria Castilla y León Avila Burgos León Palencia Salamanca Segovia Soria Valladolid Zamora Castilla-La Mancha Albacete Ciudad Real Cuenca Guadalajara Toledo Cataluña Barcelona Girona Lleida Tarragona Comunitat Valenciana Alicante/Alacant Castellón/Castelló Valencia/València Extremadura Badajoz Cáceres Galicia Coruña A Lugo Ourense Pontevedra Madrid (Comunidad de) Murcia (Región de) Navarra (Com. Foral de) Pais Vasco Alava Guipuzcoa Vizcaya Rioja (La) Ceuta y Melilla Ceuta Melilla 121,659 21,842 3,312 2,887 1,429 1,866 2,190 1,146 4,416 4,596 3,704 593 415 2,696 2,392 3,260 6,105 3,274 2,831 2,080 5,691 545 735 1,112 326 719 450 136 1,322 346 6,362 938 1,184 560 604 3,076 15,630 10,722 1,949 1,100 1,859 16,630 5,999 2,583 8,048 2,451 1,630 821 5,515 2,590 492 493 1,940 14,969 8,199 1,440 3,970 600 1,142 2,228 1,091 328 252 76 M - (TABLES ANNEX) April 2008 (2/7) 19,165,974 3,274,789 448,040 407,305 195,082 242,959 264,874 114,210 966,815 635,501 680,775 82,565 34,164 564,047 319,870 580,036 896,816 466,167 430,648 256,538 756,263 63,795 95,030 129,619 42,821 81,434 52,112 61,090 198,726 31,639 799,183 109,313 114,159 77,115 113,224 385,372 3,150,553 2,299,873 360,573 155,046 335,061 2,143,296 704,598 330,122 1,108,578 254,162 170,598 83,563 717,416 333,728 55,060 38,567 290,063 3,142,344 877,665 253,162 860,179 165,429 220,441 474,307 170,760 32,169 15,834 16,334 Dwellings Number Capital 86,549 15,794 2,302 2,062 1,104 1,377 1,501 833 3,386 3,229 2,590 460 242 1,888 1,822 2,273 4,222 2,334 1,888 1,478 4,094 411 577 788 238 468 351 103 931 227 4,394 591 921 437 459 1,986 11,703 8,176 1,505 699 1,323 11,111 4,039 1,725 5,347 1,949 1,274 675 3,768 1,789 389 273 1,317 10,806 5,678 994 2,910 428 898 1,584 823 140 80 60 12,239,938 2,171,879 288,996 279,458 113,131 177,123 206,119 83,084 603,280 420,687 324,411 54,304 25,830 244,277 215,747 382,464 488,979 282,313 206,666 187,456 492,346 47,799 59,053 96,179 32,686 59,763 41,704 13,020 121,241 20,899 542,640 70,791 82,316 63,717 65,235 260,581 2,016,672 1,475,468 256,611 96,700 187,892 1,407,349 483,889 200,064 723,396 184,154 126,246 57,907 412,539 196,927 36,296 27,897 151,418 1,951,762 700,759 152,049 484,813 63,515 147,282 274,015 104,439 19,480 11,147 8,333 Lots Number 3,861 990 145 52 64 111 153 22 182 261 346 12 6 328 36 62 153 109 44 48 272 54 19 25 12 20 7 17 50 68 445 12 36 27 33 337 349 207 56 37 49 318 119 45 154 85 39 46 123 49 14 14 46 287 76 108 135 37 47 51 24 4 2 2 Capital 2,304,778 431,066 67,852 55,647 18,296 28,889 24,845 3,554 108,671 123,311 115,802 19,276 2,394 94,132 43,064 33,425 83,684 33,401 50,283 33,381 102,572 4,486 27,061 6,421 4,665 5,125 4,229 32,721 13,332 4,533 110,242 8,302 6,297 2,542 35,109 57,993 378,372 277,797 17,121 9,636 73,819 224,221 45,888 42,378 135,956 27,164 12,377 14,786 86,117 47,473 7,615 1,363 29,668 316,319 35,051 56,024 185,086 26,013 35,341 123,732 41,279 1,906 1,677 229 Other urban land Number Capital 31,249 5,058 865 773 261 378 536 291 848 1,106 768 121 167 480 534 925 1,730 831 899 554 1,325 80 139 299 76 231 92 16 341 51 1,523 335 227 96 112 753 3,578 2,339 388 364 487 5,201 1,841 813 2,547 417 317 100 1,624 752 89 206 577 3,876 2,445 338 925 135 197 593 244 184 170 14 4,621,258 671,844 91,192 72,200 63,655 36,947 33,910 27,572 254,864 91,503 240,562 8,985 5,940 225,638 61,059 164,147 324,153 150,453 173,699 35,701 161,345 11,510 8,916 27,019 5,470 16,546 6,179 15,349 64,153 6,207 146,301 30,220 25,546 10,856 12,880 66,798 755,509 546,608 86,841 48,710 73,350 511,726 174,821 87,680 249,226 42,844 31,975 10,870 218,760 89,328 11,149 9,307 108,977 874,263 141,855 45,089 190,280 75,901 37,818 76,560 25,042 10,783 3,010 7,772 MS.3 Rustic buildings, according to loaning bank Rustic buildings Number Capital TOTAL Andalucía Almería Cádiz Córdoba Granada Huelva Jaén Málaga Sevilla Aragón Huesca Teruel Zaragoza Asturias (Ppdo de) Balears (Illes) Canarias Las Palmas Santa C. Tenerife Cantabria Castilla y León Avila Burgos León Palencia Salamanca Segovia Soria Valladolid Zamora Castilla-La Mancha Albacete Ciudad Real Cuenca Guadalajara Toledo Cataluña Barcelona Girona Lleida Tarragona Comunitat Valenciana Alicante/Alacant Castellón/Castelló Valencia/València Extremadura Badajoz Cáceres Galicia Coruña A Lugo Ourense Pontevedra Madrid (Comunidad de) Murcia (Región de) Navarra (Com. Foral de) Pais Vasco Alava Guipuzcoa Vizcaya Rioja (La) Ceuta y Melilla Ceuta Melilla 3,639 1,001 122 84 88 96 61 219 193 138 166 99 12 55 150 209 141 59 82 36 199 17 11 19 16 23 13 1 51 48 153 39 37 18 6 53 158 30 19 50 59 415 195 76 144 171 116 55 399 56 42 19 282 49 214 16 138 24 39 75 19 5 1 4 M - (TABLES ANNEX) April 2008 (3/7) 1,174,436 283,206 28,355 36,910 28,648 16,786 15,481 27,490 47,672 81,860 39,457 17,963 3,350 18,143 43,971 103,212 64,969 51,169 13,800 5,190 74,513 2,390 1,288 8,919 2,598 6,635 5,957 43 32,306 14,377 167,964 8,721 29,590 7,766 2,063 119,824 35,712 12,146 4,925 7,645 10,997 117,499 34,748 64,562 18,190 31,230 14,752 16,478 44,350 9,053 3,750 2,224 29,324 69,277 38,545 1,051 51,786 3,952 23,370 24,465 1,571 931 150 781 Banks Number 984 280 25 31 19 44 16 60 56 29 8 1 3 4 47 60 72 35 37 5 61 7 1 6 9 7 10 1 9 11 30 18 3 2 1 6 40 12 3 15 10 119 63 17 39 50 25 25 117 37 19 9 52 33 40 1 17 3 5 9 2 2 0 2 Capital 504,378 112,666 3,973 16,574 16,025 11,167 4,876 7,527 16,138 36,384 7,275 65 2,805 4,405 29,562 64,498 12,730 4,548 8,182 1,610 26,604 875 600 6,209 2,341 1,271 1,623 43 1,385 12,257 108,516 1,117 603 650 23 106,123 14,592 8,162 931 2,549 2,951 28,336 11,862 10,155 6,319 11,856 5,754 6,102 14,233 5,585 500 1,386 6,762 55,871 8,860 300 6,366 1,218 2,129 3,019 31 471 0 471 Savings banks Number Capital 1,918 485 49 45 60 27 32 80 107 85 100 66 8 26 66 134 55 22 33 18 61 7 5 13 7 3 3 0 12 11 67 11 26 6 1 23 93 16 14 27 36 216 103 27 86 100 71 29 255 9 14 8 224 15 126 14 95 15 28 52 15 3 1 2 488,210 106,079 7,023 14,580 8,932 3,505 3,232 9,743 20,347 38,716 24,463 17,199 425 6,839 10,369 36,611 50,523 46,287 4,236 1,975 14,402 1,017 634 2,710 257 1,280 4,334 0 3,599 571 44,455 3,072 28,368 5,860 152 7,003 16,686 2,958 2,339 4,193 7,196 71,583 20,007 41,314 10,263 18,345 8,149 10,196 20,576 2,725 1,925 459 15,468 13,192 21,166 705 35,179 2,288 19,713 13,178 1,439 460 150 310 Other banks Number Capital 737 236 48 8 9 25 13 79 30 24 58 32 1 25 37 15 14 2 12 13 77 3 5 0 0 13 0 0 30 26 56 10 8 10 4 24 25 2 2 8 13 80 29 32 19 21 20 1 27 10 9 2 6 1 48 1 26 6 6 14 2 0 0 0 181,848 64,461 17,359 5,756 3,691 2,114 7,373 10,220 11,187 6,760 7,719 699 120 6,899 4,040 2,103 1,716 334 1,382 1,605 33,507 498 54 0 0 4,084 0 0 27,322 1,549 14,993 4,532 619 1,256 1,888 6,698 4,434 1,026 1,655 903 850 17,580 2,879 13,093 1,608 1,029 849 180 9,541 743 1,325 379 7,094 214 8,519 46 10,241 446 1,528 8,268 101 0 0 0 MS.4. Urban buildings, according to loaning bank Urban buildings Number Capital TOTAL Andalucía Almería Cádiz Córdoba Granada Huelva Jaén Málaga Sevilla Aragón Huesca Teruel Zaragoza Asturias (Ppdo de) Balears (Illes) Canarias Las Palmas Santa C. Tenerife Cantabria Castilla y León Avila Burgos León Palencia Salamanca Segovia Soria Valladolid Zamora Castilla-La Mancha Albacete Ciudad Real Cuenca Guadalajara Toledo Cataluña Barcelona Girona Lleida Tarragona Comunitat Valenciana Alicante/Alacant Castellón/Castelló Valencia/València Extremadura Badajoz Cáceres Galicia Coruña A Lugo Ourense Pontevedra Madrid (Comunidad de) Murcia (Región de) Navarra (Com. Foral de) Pais Vasco Alava Guipuzcoa Vizcaya Rioja (La) Ceuta y Melilla Ceuta Melilla 121,659 21,842 3,312 2,887 1,429 1,866 2,190 1,146 4,416 4,596 3,704 593 415 2,696 2,392 3,260 6,105 3,274 2,831 2,080 5,691 545 735 1,112 326 719 450 136 1,322 346 6,362 938 1,184 560 604 3,076 15,630 10,722 1,949 1,100 1,859 16,630 5,999 2,583 8,048 2,451 1,630 821 5,515 2,590 492 493 1,940 14,969 8,199 1,440 3,970 600 1,142 2,228 1,091 328 252 76 M - (TABLES ANNEX) April 2008 (4/7) 19,165,974 3,274,789 448,040 407,305 195,082 242,959 264,874 114,210 966,815 635,501 680,775 82,565 34,164 564,047 319,870 580,036 896,816 466,167 430,648 256,538 756,263 63,795 95,030 129,619 42,821 81,434 52,112 61,090 198,726 31,639 799,183 109,313 114,159 77,115 113,224 385,372 3,150,553 2,299,873 360,573 155,046 335,061 2,143,296 704,598 330,122 1,108,578 254,162 170,598 83,563 717,416 333,728 55,060 38,567 290,063 3,142,344 877,665 253,162 860,179 165,429 220,441 474,307 170,760 32,169 15,834 16,334 Banks Number 39,050 7,057 929 706 277 530 960 224 2,207 1,224 925 221 47 657 738 1,196 3,018 1,782 1,236 442 1,677 138 117 393 52 360 102 31 375 109 1,339 186 139 127 202 685 4,313 2,950 636 256 471 5,696 2,513 916 2,267 1,045 862 183 2,154 1,201 168 152 633 5,106 2,761 324 828 60 293 475 215 216 180 36 Capital 7,209,810 1,156,288 107,023 107,975 40,177 64,768 115,309 28,911 463,850 228,273 206,426 46,260 3,867 156,299 106,665 238,625 522,028 281,765 240,263 76,073 209,545 11,919 26,400 40,314 5,225 39,393 16,388 3,335 58,174 8,395 180,344 22,733 13,570 16,379 32,120 95,544 1,130,008 801,944 144,925 56,445 126,695 893,013 294,984 140,474 457,556 122,929 100,390 22,539 320,332 157,881 23,911 15,226 123,314 1,416,737 356,791 54,088 164,264 8,323 60,813 95,129 43,525 12,133 5,824 6,308 Savings banks Number Capital 70,856 12,159 1,671 1,763 1,061 993 1,070 829 1,824 2,948 2,287 305 269 1,713 1,126 1,887 2,532 1,262 1,270 1,558 3,330 363 507 613 251 276 294 45 853 128 4,627 615 997 360 366 2,289 9,927 6,718 1,223 786 1,200 9,012 2,959 1,353 4,700 1,322 699 623 3,160 1,322 302 300 1,236 9,050 4,970 647 2,420 360 695 1,365 744 98 66 32 10,174,399 1,791,474 258,553 249,548 146,104 137,748 131,398 74,935 438,078 355,109 384,606 29,304 19,314 335,989 133,524 317,128 319,884 150,710 169,174 172,145 458,830 47,989 61,911 76,965 35,248 34,829 30,453 28,048 127,873 15,517 576,141 75,587 90,838 55,035 75,394 279,287 1,822,675 1,344,019 202,356 90,910 185,390 1,018,780 352,531 153,095 513,154 124,418 64,523 59,895 365,231 165,960 27,790 19,771 151,711 1,470,655 464,374 119,712 499,176 77,169 129,451 292,554 116,929 18,713 9,550 9,163 Other banks Number Capital 11,753 2,626 712 418 91 343 160 93 385 424 492 67 99 326 528 177 555 230 325 80 684 44 111 106 23 83 54 60 94 109 396 137 48 73 36 102 1,390 1,054 90 58 188 1,922 527 314 1,081 84 69 15 201 67 22 41 71 813 468 469 722 180 154 388 132 14 6 8 1,781,765 327,027 82,464 49,782 8,801 40,443 18,167 10,364 64,887 52,119 89,743 7,001 10,983 71,759 79,681 24,283 54,904 33,692 21,211 8,320 87,888 3,887 6,719 12,340 2,348 7,212 5,271 29,707 12,679 7,727 42,698 10,993 9,751 5,701 5,710 10,541 197,870 153,910 13,292 7,691 22,976 231,503 57,083 36,553 137,868 6,815 5,685 1,129 31,853 9,887 3,359 3,570 15,038 254,952 56,500 79,362 196,739 79,937 30,177 86,624 10,306 1,323 460 863 HCL.1 Total mortgages cancelled, according to type of building Total TOTAL Andalucía Almería Cádiz Córdoba Granada Huelva Jaén Málaga Sevilla Aragón Huesca Teruel Zaragoza Asturias (Ppdo de) Balears (Illes) Canarias Las Palmas Santa Cruz de Tenerife Cantabria Castilla y León Avila Burgos León Palencia Salamanca Segovia Soria Valladolid Zamora Castilla-La Mancha Albacete Ciudad Real Cuenca Guadalajara Toledo Cataluña Barcelona Girona Lleida Tarragona Comunitat Valenciana Alicante/Alacant Castellón/Castelló Valencia/València Extremadura Badajoz Cáceres Galicia Coruña A Lugo Ourense Pontevedra Madrid (Comunidad de) Murcia (Región de) Navarra (Com. Foral de) Pais Vasco Alava Guipuzcoa Vizcaya Rioja (La) Ceuta y Melilla Ceuta Melilla Rustic buildings 67,859 13,608 1,528 2,015 1,026 1,461 1,166 824 2,839 2,749 1,532 329 135 1,068 1,255 1,644 3,481 1,806 1,675 813 2,986 204 374 570 251 402 247 99 643 196 3,159 577 538 262 210 1,572 9,248 6,288 1,176 682 1,102 10,794 3,757 2,015 5,022 1,173 779 394 2,728 1,191 347 303 887 9,399 3,105 589 1,849 208 419 1,222 389 107 63 44 M - (TABLES ANNEX) April 2008 (5/7) 1,869 623 104 60 60 61 28 110 126 74 36 16 1 19 63 63 66 29 37 12 124 8 13 18 35 6 2 1 32 9 107 30 21 25 2 29 98 15 20 36 27 272 141 62 69 85 58 27 63 19 4 9 31 68 131 10 34 15 8 11 14 0 0 0 Dwellings Lots 47,985 9,509 1,084 1,308 692 1,032 794 588 2,107 1,904 1,098 241 101 756 881 1,061 2,561 1,294 1,267 574 2,102 149 253 412 161 250 204 79 432 162 2,058 363 328 167 160 1,040 6,824 4,878 777 365 804 7,343 2,661 1,220 3,462 851 574 277 1,929 867 239 202 621 6,933 2,182 412 1,318 156 281 881 268 81 47 34 Other urban land 1,785 485 26 71 14 38 130 17 75 114 16 12 1 3 7 34 96 76 20 24 127 8 23 22 12 16 7 7 27 5 271 4 29 12 18 208 181 112 34 14 21 182 61 27 94 44 19 25 39 15 7 4 13 108 87 25 49 12 27 10 10 0 0 0 16,220 2,991 314 576 260 330 214 109 531 657 382 60 32 290 304 486 758 407 351 203 633 39 85 118 43 130 34 12 152 20 723 180 160 58 30 295 2,145 1,283 345 267 250 2,997 894 706 1,397 193 128 65 697 290 97 88 222 2,290 705 142 448 25 103 320 97 26 16 10 HCL.2 Total cancelled mortgages, according to type of building and loaning bank Total Banks TOTAL Andalucía Almería Cádiz Córdoba Granada Huelva Jaén Málaga Sevilla Aragón Huesca Teruel Zaragoza Asturias (Ppdo de) Balears Illes Canarias Las Palmas Santa C. Tenerife Cantabria Castilla-León Avila Burgos León Palencia Salamanca Segovia Soria Valladolid Zamora Castilla-la-Mancha Albacete Ciudad Real Cuenca Guadalajara Toledo Cataluña Barcelona Girona Lleida Tarragona Comunitat Valenciana Alicante/Alacant Castellón/Castelló Valencia/València Extremadura Badajoz Cáceres Galicia Coruña A Lugo Ourense Pontevedara Madrid (Comunidad de) Murcia (Región de) Navarra (Com. Foral de) Pais Vasco Alava Guipuzcoa Vizcaya Rioja (La) Ceuta y Melilla Ceuta Melilla 21,572 4,510 385 794 268 453 434 200 1,006 970 435 94 22 319 509 775 1,825 924 901 240 1,005 44 92 246 90 184 75 18 221 35 843 86 146 60 52 499 2,343 1,668 299 202 174 3,233 1,170 544 1,519 414 304 110 1,281 616 173 100 392 2,855 682 115 425 31 146 248 49 33 21 12 Rustic buildings Urban buildings Savings Other Banks Savings Other Banks Savings Other banks banks banks banks banks banks 35,028 11,259 498 884 487 21,074 34,144 10,772 6,539 2,559 156 247 220 4,354 6,292 2,339 752 391 17 41 46 368 711 345 855 366 16 16 28 778 839 338 547 211 4 26 30 264 521 181 801 207 27 21 13 426 780 194 534 198 6 15 7 428 519 191 424 200 19 40 51 181 384 149 1,194 639 37 56 33 969 1,138 606 1,432 347 30 32 12 940 1,400 335 886 211 6 18 12 429 868 199 210 25 4 6 6 90 204 19 97 16 0 0 1 22 97 15 579 170 2 12 5 317 567 165 512 234 26 22 15 483 490 219 702 167 25 28 10 750 674 157 1,308 348 27 21 18 1,798 1,287 330 706 176 14 7 8 910 699 168 602 172 13 14 10 888 588 162 308 265 2 8 2 238 300 263 1,517 464 42 60 22 963 1,457 442 69 91 4 2 2 40 67 89 266 16 2 10 1 90 256 15 279 45 10 3 5 236 276 40 85 76 10 22 3 80 63 73 200 18 3 3 0 181 197 18 154 18 2 0 0 73 154 18 59 22 0 1 0 18 58 22 309 113 10 15 7 211 294 106 96 65 1 4 4 34 92 61 1,832 484 22 56 29 821 1,776 455 301 190 5 18 7 81 283 183 303 89 5 6 10 141 297 79 127 75 3 16 6 57 111 69 138 20 1 1 0 51 137 20 963 110 8 15 6 491 948 104 6,067 838 30 51 17 2,313 6,016 821 3,961 659 3 10 2 1,665 3,951 657 803 74 5 12 3 294 791 71 459 21 15 14 7 187 445 14 844 84 7 15 5 167 829 79 5,741 1,820 66 147 59 3,167 5,594 1,761 2,260 327 36 78 27 1,134 2,182 300 1,083 388 21 26 15 523 1,057 373 2,398 1,105 9 43 17 1,510 2,355 1,088 627 132 26 46 13 388 581 119 361 114 19 28 11 285 333 103 266 18 7 18 2 103 248 16 1,206 241 28 22 13 1,253 1,184 228 442 133 7 5 7 609 437 126 152 22 4 0 0 169 152 22 179 24 4 3 2 96 176 22 433 62 13 14 4 379 419 58 4,454 2,090 9 53 6 2,846 4,401 2,084 1,994 429 21 80 30 661 1,914 399 299 175 3 1 6 112 298 169 816 608 9 21 4 416 795 604 101 76 3 11 1 28 90 75 217 56 2 3 3 144 214 53 498 476 4 7 0 244 491 476 164 176 0 3 11 49 161 165 56 18 0 0 0 33 56 18 36 6 0 0 0 21 36 6 20 12 0 0 0 12 20 12 M - (TABLES ANNEX) April 2008 (6/7) HCM.1 Total mortgages with changes, according to type of change and type of building Total TOTAL Andalucía Almería Cádiz Córdoba Granada Huelva Jaén Málaga Sevilla Aragón Huesca Teruel Zaragoza Asturias (Ppdo de) Balears Illes Canarias Las Palmas Santa C. Tenerife Cantabria Castilla-León Avila Burgos León Palencia Salamanca Segovia Soria Valladolid Zamora Castilla-la-Mancha Albacete Ciudad Real Cuenca Guadalajara Toledo Cataluña Barcelona Girona Lleida Tarragona Comunitat Valenciana Alicante/Alacant Castellón/Castelló Valencia/València Extremadura Badajoz Cáceres Galicia Coruña A Lugo Ourense Pontevedra Madrid (Comunidad de) Murcia (Región de) Navarra (Com. Foral de) Pais Vasco Alava Guipuzcoa Vizcaya Rioja (La) Ceuta y Melilla Ceuta Melilla Type of change Type of building Novation Subrogations Subrogations Rustic Urban Debtor Creditor buildings buildings 33,096 8,187 1,635 1,206 499 265 774 297 1,822 1,689 1,174 525 86 563 622 496 814 291 523 397 1,252 105 235 282 31 188 63 46 184 118 1,761 275 236 147 51 1,052 3,665 2,491 361 420 393 6,995 2,406 1,484 3,105 484 240 244 1,118 615 109 113 281 4,187 1,239 178 339 40 76 223 156 32 0 32 M - (TABLES ANNEX) April 2008 (7/7) 23,757 6,069 1,210 637 319 72 642 171 1,568 1,450 842 476 34 332 477 212 437 225 212 389 872 90 76 253 31 135 63 3 128 93 1,256 237 162 66 47 744 1,902 1,183 284 77 358 4,650 1,434 1,052 2,164 418 190 228 997 550 108 100 239 3,539 1,182 161 190 26 34 130 138 26 0 26 3,850 661 31 330 49 0 5 17 82 147 180 27 24 129 99 180 97 9 88 3 164 2 87 3 0 25 0 39 3 5 101 12 0 32 0 57 1,100 750 51 292 7 804 187 177 440 1 0 1 74 42 1 6 25 270 16 12 79 13 15 51 9 0 0 0 5,489 1,457 394 239 131 193 127 109 172 92 152 22 28 102 46 104 280 57 223 5 216 13 72 26 0 28 0 4 53 20 404 26 74 49 4 251 663 558 26 51 28 1,541 785 255 501 65 50 15 47 23 0 7 17 378 41 5 70 1 27 42 9 6 0 6 795 327 29 61 8 8 37 26 147 11 31 1 10 20 46 19 23 4 19 6 38 2 11 6 0 7 2 0 4 6 54 4 34 5 3 8 26 7 9 1 9 94 43 27 24 25 13 12 47 15 4 4 24 19 27 3 10 6 1 3 0 0 0 0 32,301 7,860 1,606 1,145 491 257 737 271 1,675 1,678 1,143 524 76 543 576 477 791 287 504 391 1,214 103 224 276 31 181 61 46 180 112 1,707 271 202 142 48 1,044 3,639 2,484 352 419 384 6,901 2,363 1,457 3,081 459 227 232 1,071 600 105 109 257 4,168 1,212 175 329 34 75 220 156 32 0 32 Dwellings 23,629 5,918 1,330 834 351 179 414 229 1,238 1,343 842 387 60 395 416 283 616 219 397 176 873 71 179 163 25 121 53 34 132 95 1,169 164 152 103 40 710 2,608 1,832 280 229 267 5,120 1,671 1,078 2,371 386 204 182 817 463 83 72 199 3,231 644 126 265 26 56 183 117 22 0 22