The signing of mortgages on homes soars 29% in July and adds two months of gains
The number of Mortgage granted on homes registered in the records of the property stood at 18,107 last July, higher by 28.8% than the same month of 2013, according to data released Friday by the National Statistics Institute (INE), which recalled that these figures come from deeds performed in previous months.
With the annual progress of July, the mortgaged homes strung Two months Upgrades two digits after the increase almost 19% experienced in June.
The average amount of mortgages on homes reached in the seventh month of the year 100,866 euros , 0.3% less than a year earlier, while borrowed capital increased by 28.5% year on year, to 1,826.3 million euros.
Monthly rate (July to June) , home mortgages 5.7%, its biggest gain this month of the last five years increased. Borrowed capital for mortgaged homes experienced a monthly increase of 8.1%, also registering its biggest monthly rally since 2010.
However, in the first seven months of the year, the number of foreclosed homes is down 9.4% in the same period of 2013, a decrease of 8.2% on the capital borrowed and an increase of 1.3% on the average mortgage.
Asturias, heading
By region, Asturias which was recorded a year increase. The increase was 114.9%, reaching the figure at 346 Followers Canary , with a growth of 72.7% and 803 signed mortgages, and Cantabria , with 64.8% and 206.
As for the absolute figure, is headed rankig Andalusia, with 3,324 loans, representing 43.9% more than makes one year. In second position Madrid, where 3,247 mortgages, 48.8% were enrolled more lies. Third is Catalonia , with 2,878 and an increase of 11.8%.
change was positive in almost all regions . For example, in Aragon 515 mortgages on homes in July, up 37.3%, and in Valencia the increase was 28%, up to 1,840 were formed. Only least two regions registered mortgages in the same month of 2013: Castile and León (-11.7%, 761) and Galicia (-0.6%, 623). To them the autonomous cities of Ceuta and Melilla, with a fall of 10 (9) and 13% (20) respectively are added.
variable interest predominates
93 , 8% of the mortgages in July used a variable rate, compared with 6.2% fixed rate. The Euribor is the reference rate most commonly used, appearing in 87% of the new contracts.
Considering the type of change in conditions In July there were 13,793 innovations (changes produced within the same financial institution), with an annual cut of 11.8%.
The number of operations changed entity (subrogations creditor) rose 5.3%, while the number of mortgages in which changed the mortgaged property (subrogations debtor) rose 68.9%.
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