Number mortgage Housing loans rose 10.9% year-on-year to 463,614 in 2022, the highest since 2010 when housing loans reached 607,535, according to data released this Thursday by the National Institute of Statistics (INE).
With this recovery in 2022, the residential mortgage company chained two years of promotions. 6.5% drop that it was registered in 2020, a year when the pandemic began.
However, the 2022 increase almost 13 points moderated Compared to what was recorded in 2021, home loans increased by 23.8%.
The average amount of mortgages on residences increased by 5.8% in 2022. 145.510 €loaned capital increased by 17.3% in the full last year, exceeding 67,460 million euros.
According to Autonomous Communities, those registering the largest number of mortgages on residences in 2022 Andalusia (91,287), Catalonia (80,767) and Madrid (80.416).
In all regions, more home mortgages were signed in 2022 than in 2021, excluding Navarra, where these fell by 4.6%. The highest increases corresponded to: Rioja (+28.5%), Balearic Islands (+23.6%) and Canary Islands (+23.1%), the least obvious Cantabrian (+2.8%) and Estremadura (+4.8%).
Mortgages were signed for 30,075 houses in December alone, the figure is 8.8% lower than in the same month of 2021. With this decrease, the increases come to an end for 21 consecutive months compared to the previous year. Borrowed capital decreased by 9.2% year-on-year to more than 4,326 million euros in December, while the average amount decreased by 0.4% to 143,854 euros.
In monthly terms (December 2022, compared to November of the same year), residential mortgages fell by 23.5%, Biggest drop since 2018 Borrowed capital fell 25.5%, the biggest drop since 2018.
Average interest rate in December 2022 total mortgage loans The average maturity was 23 years and 2.83%. When it comes to residences, the average interest rate was 2.67%, above 2.54% of the previous year, with an average maturity of 24 years.
34.5 percent of housing loans were created last December. variable rate, While 65.5% signed flat rate