MIR - EuroFiling

BANCO DE ESPAÑA'S TABLES FOR
COLLECTING DATA FOR MIR STATISTICS
TABLES FOR COLLECTING DATA FOR MIR STATISTICS
I.1
Interest rates on outstanding amounts
I.2
Interest rates on the new business
I.1
Page 1 of 1
INTEREST RATES ON OUTSTANDING AMOUNTS
(BUSINESS IN SPAIN)
ENTITY
Year
Month
− −
P
Table
M
2 1 7 3
Entity Code
Euro transactions with residents in Spain and in other EMU States
(Rounded to four decimal places)
WEIGHTED AVERAGE (a)
LOANS (b)
To households (including non-profit institutions serving households)
For house purchase
Up to one year................................................................................................
0001
Over 1 year and up to 5 years........................................................................
0002
Over 5 years...................................................................................................
0003
For consumption and other purposes
Up to one year................................................................................................
0004
Over 1 year and up to 5 years........................................................................
0005
Over 5 years...................................................................................................
0006
To non-financial corporations
Up to one year................................................................................................
0007
Over 1 year and up to 5 years........................................................................
0008
Over 5 years...................................................................................................
0009
DEPOSITS
From households (including non-profit institutions serving households)
Overnight.............................................................................................................................
0010
Deposits with agreed maturity
Up to 2 years..................................................................................................
0011
Over 2 years...................................................................................................
0012
Repos..................................................................................................................................
0013
From non-financial corporations
Overnight.............................................................................................................................
0014
Deposits with agreed maturity
Up to 2 years .................................................................................................
0015
Over 2 years...................................................................................................
0016
Repos..................................................................................................................................
0017
From households and non-financial corporations
Redeemable at notice
Up to 3 months notice....................................................................................
0018
Over 3 months notice ....................................................................................
0019
(a) The weighted average rate will be the NDER as defined in the rule third of the circular 1/2010.
(b) It includes revolving loans, overdrafts and convenience and extended credit cards.
I.2
Page 1 of 3
INTEREST RATES ON NEW BUSINESS
(BUSINESS IN SPAIN)
Euro transactions with residents in Spain and in other EMU States
ENTITY
Year
Month
P
Table
Entity
Code
− − M 2 1 7 5
(Rates rounded to four decimal places and amounts in thousands of euros)
Of which: With collateral and/or
guarantees (a)
TOTAL OPERATIONS
LOANS
WEIGHTED
AVERAGE (b)
AMOUNT (c)
APRC (d)
WEIGHTED
AVERAGE (b)
AMOUNT (c)
To households (including non-profit institutions serving households)
Revolving loans and overdrafts (e)....................................................................................... 0001
0076
Extending credit card debt (e)............................................................................................. 0002
0077
Loans for house purchases.................................................................................................
0153
Floating rate and up to 1 year period of initial rate fixation (g)....................... 0004
0079
0229
0304
Over 1 and up to 5 years period of initial rate fixation .................................. 0005
0080
0230
0305
Over 5 and up to 10 years period of initial rate fixation ................................ 0006
0081
0231
0306
Over 10 year period of initial rate fixation...................................................... 0007
0082
0232
0307
Loans for consumption (f)....................................................................................................
0158
Floating rate and up to 1 year period of initial rate fixation (g)....................... 0009
0084
0234
0309
Over 1 and up to 5 years period of initial rate fixation .................................. 0010
0085
0235
0310
Over 5 years period of initial rate fixation ..................................................... 0011
0086
0236
0311
Loans for other purposes (f)................................................................................................
0162
Floating rate and up to 1 year period of initial rate fixation (g)....................... 0013
0088
Over 1 and up to 5 years period of initial rate fixation ................................. 0014
0089
Over 5 years period of initial rate fixation...................................................... 0015
0090
Memo: Sole propietors/unincorporated partnerships
Floating rate and up to 1 year period of initial rate fixation (g)....................... 0016
0091
Over 1 and up to 5 years period of initial rate fixation .................................. 0017
0092
Over 5 years period of initial rate fixation...................................................... 0018
0093
I.2
Page 2 of 3
INTEREST RATES ON NEW BUSINESS
(BUSINESS IN SPAIN)
Euro transactions with residents in Spain and in other EMU States
ENTITY
Year
Month
P
Table
Entity
Code
− − M 2 1 7 5
(Rates rounded to four decimal places and amounts in thousands of euros)
Of which: With collateral and/or
guarantees (a)
TOTAL OPERATIONS
WEIGHTED
AVERAGE (b)
To non-financial corporations
Revolving loans and overdrafts (e).......................................................................................
Extending credit card debt (e).............................................................................................
Loans up to 250,000 euros (f).............................................................................................
Floating rate and up to 3 months period of initial rate fixation (g).............
Over 3 months and up to 1 year period of initial rate fixation ..................
Over 1 and up to 3 years period of initial rate fixation .............................
Over 3 and up to 5 years period of initial rate fixation .............................
Over 5 and up to 10 years period of initial rate fixation ...........................
Over 10 years period of initial rate fixation................................................
Memorandum item (h)
Floating rate and up to 1 year period of initial rate fixation, with original
maturity> 1 year (g)
Loans over 250,000 euros and up to 1 million euros (f) ......................................................
Floating rate and up to 3 months period of initial rate fixation (g).............
Over 3 months and up to 1 year period of initial rate fixation ..................
Over 1 and up to 3 years period of initial rate fixation .............................
Over 3 and up to 5 years period of initial rate fixation .............................
Over 5 and up to 10 years period of initial rate fixation ...........................
Over 10 years period of initial rate fixation................................................
Memorandum item (h)
Floating rate and up to 1 year period of initial rate fixation, with original
maturity> 1 year (g)
Loans over 1 million euros (f) ..............................................................................................
Floating rate and up to 3 months period of initial rate fixation (g).............
Over 3 months and up to 1 year period of initial rate fixation ..................
Over 1 and up to 3 years period of initial rate fixation .............................
Over 3 and up to 5 years period of initial rate fixation .............................
Over 5 and up to 10 years period of initial rate fixation ...........................
Over 10 years period of initial rate fixation................................................
Memorandum item (h)
Floating rate and up to 1 year period of initial rate fixation, with original
maturity> 1 year (g)
AMOUNT (c)
0020
0021
0095
0096
0023
0024
0025
0026
0027
0028
0098
0099
0100
0101
0102
0103
0029
0104
APRC (d)
WEIGHTED
AVERAGE (b)
AMOUNT (3)
0172
0248
0249
0250
0251
0252
0253
0323
0324
0325
0326
0327
0328
0254
0329
0256
0257
0258
0259
0260
0261
0331
0332
0333
0334
0335
0336
0262
0337
0180
0031
0032
0033
0034
0035
0036
0106
0107
0108
0109
0110
0111
0037
0112
0188
0039
0040
0041
0042
0043
0044
0114
0115
0116
0117
0118
0119
0264
0265
0266
0267
0268
0269
0339
0340
0341
0342
0343
0344
0045
0120
0270
0345
I.2
Page 3 of 3
INTEREST RATES ON THE NEW BUSINESS
(BUSINESS IN SPAIN)
Euro transactions with residents in Spain and in other EMU States
Year
ENTITY
Month
P
Table
Entity
Code
− − M 2 1 7 5
(Rates rounded to four decimal places and amounts in thousands of euros)
TOTAL OPERATIONS
DEPOSITS
WEIGHTED AVERAGE (b)
AMOUNT (c)
APRC (d)
From households (including non-profit institutions serving households)
Deposits with agreed maturity
Up to one year..............................................................................................
0050
0125
Over 1 and up to 2 years..............................................................................
0051
0126
Over 2 years.................................................................................................
0052
0127
Repos..................................................................................................................................
0053
0128
From non-financial corporations
Deposits with agreed maturity
Up to one year..............................................................................................
0054
0129
Over 1 and up to 2 years..............................................................................
0055
0130
Over 2 years.................................................................................................
0056
0131
Repos..................................................................................................................................
0057
0132
(a) The data to be included in these columns are those relating to loans secured by collateral or guarantees that meet the criteria of Circular 1/2010.
(b) The weighted average rate will be the NDER as defined in the rule third paragraph 2 of the Circular 1/2010.
(c) The amounts to be included in this column are the new business, as defined in the rule fourth of the Circular 1/2010, agreed during the month, except for revolving loans and overdrafts and extended
credit cards that will be the outstanding amount at the end of the month.
(d) The APRC is calculated by applying strictly the criteria of the rule eighth of Circular 8/1990, of 7 September.
(e) For these operations, the weighted average rate is calculated for the total outstanding amount at the end of the month.
(f) These items will include all loans, except revolving loans, overdrafts and convenience and extended credit cards.
(g)"Floating rates " includes contracts whose interest rates are subject to constant review (eg every day) or at the discretion of the reporting entity.
(h) The data to be included in these memorandum items are those relating to the loans included in the items "floating rate and up to 3 months period of initial rate fixation" and "Over 3 months and up to 1
year of period of fixation initial rate" whose original maturity exceeds 1 year.
ESTADO 2172
Pág. 1 de 1
TIPOS DE INTERÉS DE OPERACIONES EN ESPAÑA
CON EL SECTOR PRIVADO RESIDENTE
Correspondiente al ____ de ___________________________________ de ________
ENTIDAD
Año
Mes
P
Estado
M
2
1
7
Código entidad
2
Tipos de interés medios ponderados de las operaciones en euros, iniciadas o renovadas en el mes (1)
(Con dos cifras decimales redondeadas)
TIPOS DE INTERÉS (2)
Préstamos con garantía hipotecaria para adquisición de vivienda libre a plazo de:
3 años o más (3) (4) (5)………………………………………………………………………………………………….
0001
Préstamos personales (en póliza o en efectos financieros) a plazo de:
1 año a menos de 3 años (5) (6)……………………………………………………………………………………….
0002
Imposiciones nominativas y certificados de depósito no emitidos a descuento a plazo:
igual o superior a 1 año e inferior a 2 años (6)……………………………………………………………………….
0003
(1) Se tomarán exclusivamente las operaciones formalizadas en el mes. En particular:
- La novación de las condiciones de un préstamo (incluso de las de tipo de interés) no da lugar a una nueva declaración.
- En las subrogaciones de prestamista, la entidad que se subroga informará de la operación.
- No se declararán, sin embargo, los créditos adquiridos a otras entidades, que ya habrán sido declaradas por ellas en su momento.
- Salvo lo indicado en el último punto de la Nota (3) siguiente, las subrogaciones de prestatario no darán lugar a una nueva declaración.
(2) Los tipos de interés medios ponderados serán T.A.E. calculadas aplicando estrictamente los criterios de la norma octava de la Circular 8/1990,
de 7 de septiembre.
(3) Las operaciones incluidas son únicamente las que con estas características se clasifiquen en el estado UEM.2 como “Préstamos y créditos”.
Residentes en España. Hogares. Crédito a la vivienda. Euros”.
Incluye las operaciones concertadas a tipo variable.
Se incluyen todos los que correspondan a viviendas libres, con independencia de que se trate de primera o segunda residencia.
No se incluyen los préstamos a promotores hasta que se produzca la subrogación del adquirente. Una vez éste se subrogue, se informará la
operación en este apartado.
(4) Esta información la incluirán los bancos españoles, las sucursales en España de entidades de crédito extranjeras, las cajas de ahorros y la
CECA.
(5) Se excluirán del cálculo las operaciones realizadas con empleados, cuando éstas se concierten a tipos de interés fuera de mercado, en el
marco de acuerdos recogidos en el convenio colectivo o en virtud de cualquier otra circunstancia derivada de la relación laboral.
En las operaciones que cuenten con subvención de tipo de interés, se tomará la remuneración total obtenida por la entidad, con independencia
del tipo abonado por el cliente.
(6) Esta información la incluirán sólo las cajas de ahorros y la CECA.
ABRIL 2003