The number of housing mortgages recorded in Land Registries in

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
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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
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All press releases at: www.ine.es/en/prensa/prensa_en.htm
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M -DECEMBER 2015 AND YEAR 2015 (16/16)