El aumento de la compañía hipotecaria en Andalucía se ralentiza, pero crece un 22.8% en enero

The number of mortgage loans made on homes in Andalusia increased by 22.8% in January, compared to the same month of the previous year (compared to an increase of 11.03% nationwide), adding a total of 7,474 operations, although it slows down, with 0 points lower than the annual rate -year -to -years, (Improgistrado in the previous month, according to data published by the National Institute of Statistics (ineato registered in the previous month, according to data published by the National Institute of Statistics (ineato registered in the previous month, according to data published by the National Institute of Statistics (ineato registered in the previous month, according to data published by the National Institute of National Statistics (NE).

In Andalusia, €1,003.8 million was lent for the establishment of mortgage loans in January, with a 25.8% increase in capital lent over a year ago. Compared to the previous month, the capital lent to establish mortgage loans increased by 12.7%.

Therefore, Andalusia and Catalonia were the communities that recorded the highest number of mortgage loans established at the beginning of the year. The Andalusian region led with 7,474 and Catalonia with 6,936.

In response to total farms, 9,209 mortgage loans were established in the region, with a capital payment of €1,492.54 million. Of these, 174 were in rural farms and 9,035 in Urban.

Of the 9,035 mortgage loans established in Urban Farms in January in Andalusia, 7,474 were in houses; 105 in lots and 1,456 in other types.

The number of operations that changed the entity (subrogations to the creditor) was 140, and in 742 mortgage loans, the head of the mortgaged property changed (subrogations to the debtor). Of the 2,424 mortgage loans with modifications to their conditions, 1,542 were by novation.

On the other hand, 10,628 loans were canceled on farms in Andalusia. Of these, 7,955 corresponded to houses, 364 to rural farms, 2,158 to Urban, and 151 to solarium.

Across the autonomous communities, the mortgage company increased in all regions with La Rioja (+65.88%), the Canary Islands (+43.29%), and Aragon (+41.32%) at the forefront, except Madrid and Galicia, which were noted for a 29.11% drop and 2.31%, respectively.

Regarding the amount offered, it increased in all communities with La Rioja (+82.51%), Murcia (+75.70%), and the Balearic Islands (+63.42%), observing the highest promotions, and Galicia, (+4.81%), Madrid (+4.81%), and Navarra (+8.88%) in the OPT.

In Spain, the number of mortgage loans composed of houses increased by 11% in January, compared to the same month in 2024, adding 38,058 loans, the highest figure in January of the last five years, with an average interest rate lower than the previous month.

Specifically, the average interest rate for mortgage loans established in housing reached 3.08% in January, compared to 3.25% recorded at the end of 2024, thus reaching the lowest rate since April 2023, when it was 3.08%.

Despite this fact, the average interest rate on housing mortgages has accumulated 21 consecutive months with rates above 3%.

According to statistics, the average term of housing loans was 25 years in the first month of 2025. With January, at the year, much more moderate than in December (+30%), the mortgage company added seven consecutive months.

The average value of mortgage loans established in housing increased by 11.9% -an -an -an at the beginning of 2025, to €152,233, while the capital lent increased by 24.3%, to €5,793.6 million.

35.8% of mortgage loans for housing were established in January on a variable rate, while 64.2% were on a fixed rate, the highest percentage since March 2023. The average interest rate at the beginning was 2.94% for variable rate and 3.17% for fixed rate housing mortgages.

At an intermediate rate (January 2025 in December 2024), mortgage loans shot up by 18%, and the capital lent increased by 17.9%. In turn, the average amount of mortgage loans for homes decreased by 0.1% compared to December 2024.

FUENTE