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2020 Housing Market X-ray of a Pandemic Year

3rd July 2021
2020 Housing Market X-ray of a Pandemic Year

Average period of ownership of the home.

Analyzing the use of the transmitted home as an investment asset for purchase / sale or residential, through the average time of possession of its owners when they sold it, one more year, the constant increase of the average period of possession continued, reaching 15 years and 9 months in 2020, the maximum in the historical series, with an increase of 4.2% compared to 2019. Since the historical minimum of 2009, 7 years and 4 months, the average period of ownership of the transferred homes has doubled widely.


In 2020, 339,794 mortgages on housing were constituted through their registration, with a decrease of 5.8% over the previous year. They accounted for almost a quarter of those granted for housing in 2006 (1,316,262) and, on the other hand, they were 71% higher than those produced in the historical minimum registered in 2013 (199,098)

The greatest decrease occurred in Castilla La Mancha (-14.2%) followed by the Community of Madrid (-11.7%) and Canarias e (-11.5%). On the contrary, they increased more in Asturias (7.1%) Extremadura (6.6%) and Aragon (5.1%)

5.5% of the Mortgages constituted on housing have been formalized by foreigners, close to 19,000 mortgages, down from 23,000 in 2019. The weight of foreigners in mortgages granted in the CC. AA was higher in Catalonia (23.0%) The Valencian Community (19.0%) Andalusia (17.2%) and the Community of Madrid (13.0%)

The average mortgage for foreigners in 2020 was € 142,603 ​​with an increase of 6.3% over the previous year, compared to the general average mortgage, which was 131,935 euros, with an increase of 3.8% over the year previous.

The average interest rate in 2020 was 2.2% and the average contract term was 23 years and 11 months. With the above data, the average mortgage payment for housing in 2020 was 591 euros, similar to 2019. The average percentage of this payment on salary was 31%. By CC. AA. The situation of the Balearic Islands (49.4%) stood out, followed by Madrid (36.3%) and Catalonia (34.35%)

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