"What has gradually changed is the perception of risk. For years, interest rates were extraordinarily low, and that's why we leaned towards variable rates, but little by little, the consumer taking out a mortgage is giving more weight to stability than to benefiting from low rates." For Ferran Font, director of Studies at pisos.com, this is proof that buyers value the stability and security of knowing in advance what the cost of their long-term financing will be. (translated)
The article analyzes how the perception of risk in the Spanish mortgage market has changed, where currently more than 60% of mortgages are signed at a fixed rate, unlike a decade ago when variable-rate mortgages predominated, driven by a context of rising interest rates and prices. (translated)

Vulture funds are sons of bitches, unscrupulous sharks, but Mari Carmen had been living off subsidies for 50 years because half of her rent was being eaten up by the landlord. And while you were suffocating paying the mortgage on a crappy apartment far from Madrid, she paid a symbolic price to live in the center. A civil servant with a stable job who never bought an apartment because she thought the deal would last her whole life. And now you can start throwing bricks at me. (translated)
Sovereign bonds are skyrocketing and everything is getting more expensive. The 30-year U.S. bond touches 5.29% (highest since 2007) and Japan surpasses 3% for the first time in 30 years. Mortgages, credit cards, and public debt are becoming more expensive at the same time amid fears that inflation is not under control. (translated)
Renting a home is almost 400 euros more expensive per month than paying a mortgage, which represents an impossible savings trap for many young people who, without sufficient savings, are forced to rent. (translated)

Desclasifican la declaración patrimonial del ex secretario de la Marina Rafael Ojeda Durán, quien declara no tener bienes inmuebles pese a tener 2 créditos hipotecarios por 6 millones de pesos y ganar 2 millones de pesos al año. https://t.co/UvDoe1sakJ #Política #Transparencia #Corrupción
Barcelona has agreed with CCOO and UGT to promote 1,500 protected homes through the right of superficie, allowing the beneficiaries to enjoy ownership for 75 years and finance it with a mortgage for the first 30 years. (translated)

The rise of the Euribor driven by the war in Iran has caused a 21% increase in home foreclosures due to mortgage defaults in Spain, highlighting that most of these foreclosures correspond to mortgages signed before 2008. (translated)

Mortgage foreclosures on primary residences reached a record 3,703 in the second quarter of 2026, an increase of 27% year-on-year and the highest figure since 2017, despite evictions having decreased by 45%. (translated)

The Euribor has reached 3.3%, its highest levels in two years, following the recent interest rate hike by the European Central Bank, which anticipates an increase in the cost of credit and mortgages. (translated)

The Supreme Court has declared it abusive for banks to require their clients to take out a single premium life insurance policy to access a mortgage, allowing thousands of mortgaged individuals to claim the recovery of the unused portion of the premium plus interest. (translated)

The non-performing loans (NPL) of overdue mortgages are starting to reach the individual market in Madrid, offering prices well below the market, but with significant risks and legal complexities for buyers. (translated)

The European Central Bank (ECB) has raised interest rates to 2.5% in an effort to moderate inflation, which will result in higher mortgage and credit costs, but also in greater remuneration for savings. (translated)

The recent increase in rates by the European Central Bank will raise mortgage and personal loan payments, resulting in reduced spending capacity and affecting housing market accessibility for many families in Madrid. (translated)

The possibility that the European Central Bank (ECB) will raise interest rates at its next meeting has raised concerns about the increased cost of credit, affecting mortgages, consumer loans, and financing for small entrepreneurs. (translated)

In 2026, mortgages represent 70% of the debt of families in Spain, with a total credit of 723.867 billion euros, of which 530.431 billion corresponds to mortgage loans. (translated)
