The mortgaged MadrileƱos and Basques, the most affected by the annual rise of the Euribor

In Spain, the Euribor is the reference for the vast majority of mortgages.

Mortgaged families in Madrid and the Basque Country will pay respectively 72.24 and 67.9 euros more per year in the installments of their mortgages as of this month, compared to 37 euros that these loans will be more expensive in Extremadura and 40 euros. Ceuta, despite the fall registered by the Euribor in May.

The twelve-month Euribor, the most widely used indicator for calculating mortgage rates, closed May at 0.593 %, slightly lower than the 0.604% registered in April, despite the fact that mortgage rates will rise, as twelve months ago months this indicator was lower than now, at 0.484%.

This interannual increase of almost eleven-hundredths does not have the same effect in all the autonomous communities since the average amount of a mortgage for the purchase of housing varies greatly from one region to another.

The average amount of a mortgage loan in Spain was 96,400 euros

The average amount of a mortgage loan in Spain was 96,400 euros

According to data from the National Institute of Statistics (INE), in May 2013, the average amount of a mortgage loan for the acquisition of a home in Spain was 96,400 euros ; This yields a monthly fee of 339.96 during the first twelve months of the loan’s life, which now, when the Euribor is applied in May, will rise to 344.53 euros, 4.57 more per month or 55 more per year.

Then, the average amount of a mortgage for the purchase of housing was in Madrid of 126,382 euros, well above the average, while in Extremadura was 65,287 euros.

If the mortgage was contracted with an amortization period of 25 years and an annual review, the mortgages reviewed in June – which will use the Euribor in May – the increase will be in Madrid of 6.02 euros per month or 72.24 per year.

In Extremadura, however, the rebound will be little more than 3 euros per month and 37 per year.

In Andalusia, the Canary Islands, Castile and Leon, Castilla-La Mancha, Valencia, Murcia and La Rioja the mortgages will rise between 40 and 50 euros per year, while in Aragon, Asturias, Balearic Islands, Cantabria, Galicia and Navarra will increase between 50 and 60 euros.

Finally, in Catalonia, Madrid and the Basque Country, the increase will be higher than those 60 euros.

Small hikes

Bank Loans

 

In March of this year, and for the first time in two years, the Euribor rose with respect to the same month of the previous year and caused small increases in the mortgage loan installments, with which the latter is already three months in a row. that the Euribor has raised mortgages- Votelordi installment loans for bad credit.

The evolution of this indicator depends on the increases or decreases in rates approved by the European Central Bank (ECB), which at its last meeting on May 8 returned to leave the interest rates in the euro area at the historical minimum 0.25%, despite inflation being at very low levels.

Even so, the president of the ECB, Mario Draghi, hinted that day that the entity could act in June to address this situation, once he knows the forecasts of the technicians to be published early next month on inflation and availability of bank loans for the private sector.

The reductions in the mortgage loans began in February 2012, when the Euribor closed with an average of 1.678%, its lowest monthly rate since January 2011, which for the first time since August 2010 allowed the mortgaged families to reduce the quotas of their mortgages.

We must go back to July 2008 to find the historical maximum of this indicator, which was of 5.393%, and from that moment began a downward trajectory that stopped in 2010, and that resumed in mid-2011.

In the following table, data is collected, by autonomous communities and cities, on the average amount of mortgages of homes constituted in May 2013, as well as the monthly and annual dues cut by applying the Euribor rate rise this month in the revision Annual loan for a 25-year loan:

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