Another bubble in the bricks? The demand for homes is greater than the supply

real estate market Mortgages It faces 2022 with “healthy” growth, in which the number of awarded transactions will increase by 0.5% compared to 2021, when 4,17501 were registered, according to estimates by Internet portals piso.com and mortgages.com. In 2021, the volume of mortgages reached It was 23.6% higher than it was in 2020 (337752) and the highest in eleven years, according to the National Institute of Statistics (INE), an organization that highlighted that it, however, barely represented a third of those who signed in 2007, only Before the bubble burst Real estate. Both gates explain in a note that the market in 2022 will have “controlling” growth and warn that supply continues to grow without demand, due to a dearth of new construction.

Meanwhile, the volume of mortgages in relation to purchases and sales still between 70% and 75%So the situation is “far” from the real estate bubble, when that percentage was as high as 150%, they recall. Although 2022 will be a year “on different terms,” ​​Estudios de piso.com director said. Ferran Font expects the market to maintain its current healthy growth. For his part, the person in charge of business development at mortgages.com, Josep Vera, believes it will be a good exercise for the Technological implementation in the sectorwhich will promote “increasingly popular” digital mortgages (those that are researched and contracted by digital means and without going to the bank).

According to his estimates, online contracting will continue to grow as more people become familiar with remote banking and smart contracts. They also expect this exercise a ‘bigger prominence’ Fixed interest rate, variable rate growth, upward trend of initial contributions above €100,000, gender balance among early holders of digital mortgages.

Regarding the latter, they highlighted that 24% of digital customers prefer homes in small towns (less than 25,000 inhabitants) over those with more than one million citizens (18%). The applicant for this type of mortgage provides an overview of The “mature and familiar” clientmeaning a person aged 40 to 55 (53% of the total) with an average income of 35,000-75,000 euros per year (48.5%), according to Vera.