2023-07-21 18:22:08
In the Girona counties is where it took place the steepest descent of the number of mortgages on houses in Catalonia, up to 36.2%. Specifically, 617 mortgages were established, with a loaned capital of 90.4 million euros. The average amount was 146,636 eurosaccording to provisional data from the National Institute of Statistics (INE).
In general, in Catalonia, it plunged 30.6% in May in comparison to the same month of 2022, Specifically, 5,759 mortgages were established compared to 8,298 last year. Even so, the trend of three consecutive months of declines is broken and if compared with April, an increase of 28.6% was recorded. The decrease of 30.6% per year is higher than the State average, where the signing of mortgages fell by 24%, to 33,398. These annual declines occur in a context of rising interest rates. The average interest rate was 3.15%, with an increase of 1.34 points compared to the same month in 2022.
The average term of mortgages signed on housing is 25 years. 38% of the total were set up at a variable rate and 62% at a fixed rate.
On the other hand, the average loaned capital was in the 922.8 million euros, 44.5% less than in May of last year but 32.2% more than in April, according to the INE. In this way, the average amount per loan was 160,235 euros, 20% less per year and a figure higher than the Spanish average, which was 141,798 euros (-4.6%).
To the province of Barcelonawhere the majority of mortgages in Catalonia were established in May, the decline was 31.9%, up to 4,233 operations. The loaned capital was reduced to 728.5 million euros, so that the average amount per loan was 172,118 euros.
Regarding the demarcation of Lleidathey signed a 22.8% less mortgagesup to 223. Specifically, 22.8 million euros were lent and the average amount per loan was 102,659 euros.
Finally, in the counties of Tarragona, the decline was 16.5%up to 686. The amount lent was 80.8 million euros and the average amount was 117,857 euros.
Despite the decline, Catalonia is the second community where the most mortgages are signed
By community, those that registered the most mortgages established on homes in May were Andalusia (7,111), Catalonia (5,759) and the Community of Madrid (5,078); while the most capital was lent to the Community of Madrid (1,080.8 million), followed by Catalonia (922.8 million) and Andalusia (840.5 million).
As for comparisons with May of last year, only Cantabria registered growth. The Principality of Asturias remained unchanged (0.0%) while the rest of the communities recorded annual declines, led by the Canary Islands (-42.4%), Galicia (-36%) and the Balearic Islands (-42.4%).
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