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Mortgage Statistics (M). December 2023 and year 2023. Provisional data

The number of mortgages constituted on dwellings recorded in the land registries in December is 24,927, 17.0% less in the annual rate. The average amount of these mortgages fell by 2.0%, standing at 140,451 euros. The average interest rate on new dwellings mortgages stands at 3.32%. In the whole of 2023 the number of mortgages on dwellings fell by 17.8% and their average amount by 2.0%

Mortgages constituted on dwellings - December 2023
Indicator Note Value Monthly change Annual change
Number of mortgaged dwellings 24,927 -23.6 -17.0
Average amount (euros) 140,451 -3.7 -2.0
Average interest rate 3.32 1.5 24.9
Latest data
December 2023 and year 2023 Published: 22/02/2024

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The Mortgage Statistics provide information on constitutions of mortgages, that is, regarding the number of new mortgages constituted on real estate properties during the reference month and the amount of new mortgage loans corresponding to said mortgages. Since 2006, information on changes and cancellations in mortgages is published. All this information is broken down on the basis of various variables such as the nature of the mortgaged property or lending institution.

Colegio de Registradores
All the information on constitutions, changes and register cancellations of mortgages is obtained from the information contained in the Land Registers of the entire national territory, by virtue of a collaboration agreement signed in 2004 between the two institutions. In order to facilitate comparisons, the data for 2003 are presented according to both the old and the new base.