Mortgages Statistic National indicators. Average interest rate of mortgages constituted Unidades: % ,Total plots,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,Dwellings,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,, ,2024M01,2023M12,2023M11,2023M10,2023M09,2023M08,2023M07,2023M06,2023M05,2023M04,2023M03,2023M02,2023M01,2022M12,2022M11,2022M10,2022M09,2022M08,2022M07,2022M06,2022M05,2022M04,2022M03,2022M02,2022M01,2021M12,2021M11,2021M10,2021M09,2021M08,2021M07,2021M06,2021M05,2021M04,2021M03,2021M02,2021M01,2020M12,2020M11,2020M10,2020M09,2020M08,2020M07,2020M06,2020M05,2020M04,2020M03,2020M02,2020M01,2019M12,2019M11,2019M10,2019M09,2019M08,2019M07,2019M06,2019M05,2019M04,2019M03,2019M02,2019M01,2018M12,2018M11,2018M10,2018M09,2018M08,2018M07,2018M06,2018M05,2018M04,2018M03,2018M02,2018M01,2017M12,2017M11,2017M10,2017M09,2017M08,2017M07,2017M06,2017M05,2017M04,2017M03,2017M02,2017M01,2016M12,2016M11,2016M10,2016M09,2016M08,2016M07,2016M06,2016M05,2016M04,2016M03,2016M02,2016M01,2015M12,2015M11,2015M10,2015M09,2015M08,2015M07,2015M06,2015M05,2015M04,2015M03,2015M02,2015M01,2014M12,2014M11,2014M10,2014M09,2014M08,2014M07,2014M06,2014M05,2014M04,2014M03,2014M02,2014M01,2013M12,2013M11,2013M10,2013M09,2013M08,2013M07,2013M06,2013M05,2013M04,2013M03,2013M02,2013M01,2012M12,2012M11,2012M10,2012M09,2012M08,2012M07,2012M06,2012M05,2012M04,2012M03,2012M02,2012M01,2011M12,2011M11,2011M10,2011M09,2011M08,2011M07,2011M06,2011M05,2011M04,2011M03,2011M02,2011M01,2010M12,2010M11,2010M10,2010M09,2010M08,2010M07,2010M06,2010M05,2010M04,2010M03,2010M02,2010M01,2009M12,2009M11,2009M10,2009M09,2009M08,2009M07,2009M06,2009M05,2009M04,2009M03,2009M02,2009M01,2024M01,2023M12,2023M11,2023M10,2023M09,2023M08,2023M07,2023M06,2023M05,2023M04,2023M03,2023M02,2023M01,2022M12,2022M11,2022M10,2022M09,2022M08,2022M07,2022M06,2022M05,2022M04,2022M03,2022M02,2022M01,2021M12,2021M11,2021M10,2021M09,2021M08,2021M07,2021M06,2021M05,2021M04,2021M03,2021M02,2021M01,2020M12,2020M11,2020M10,2020M09,2020M08,2020M07,2020M06,2020M05,2020M04,2020M03,2020M02,2020M01,2019M12,2019M11,2019M10,2019M09,2019M08,2019M07,2019M06,2019M05,2019M04,2019M03,2019M02,2019M01,2018M12,2018M11,2018M10,2018M09,2018M08,2018M07,2018M06,2018M05,2018M04,2018M03,2018M02,2018M01,2017M12,2017M11,2017M10,2017M09,2017M08,2017M07,2017M06,2017M05,2017M04,2017M03,2017M02,2017M01,2016M12,2016M11,2016M10,2016M09,2016M08,2016M07,2016M06,2016M05,2016M04,2016M03,2016M02,2016M01,2015M12,2015M11,2015M10,2015M09,2015M08,2015M07,2015M06,2015M05,2015M04,2015M03,2015M02,2015M01,2014M12,2014M11,2014M10,2014M09,2014M08,2014M07,2014M06,2014M05,2014M04,2014M03,2014M02,2014M01,2013M12,2013M11,2013M10,2013M09,2013M08,2013M07,2013M06,2013M05,2013M04,2013M03,2013M02,2013M01,2012M12,2012M11,2012M10,2012M09,2012M08,2012M07,2012M06,2012M05,2012M04,2012M03,2012M02,2012M01,2011M12,2011M11,2011M10,2011M09,2011M08,2011M07,2011M06,2011M05,2011M04,2011M03,2011M02,2011M01,2010M12,2010M11,2010M10,2010M09,2010M08,2010M07,2010M06,2010M05,2010M04,2010M03,2010M02,2010M01,2009M12,2009M11,2009M10,2009M09,2009M08,2009M07,2009M06,2009M05,2009M04,2009M03,2009M02,2009M01, Total,3,91,3,66,3,66,3,7,3,42,3,62,3,52,3,5,3,5,3,43,3,29,3,21,2,85,2,82,2,74,2,37,2,28,2,18,2,16,1,94,1,99,2,08,1,95,1,97,1,97,2,2,03,2,03,1,95,2,2,04,2,03,2,19,2,11,2,23,2,08,2,01,2,34,2,15,2,27,2,11,2,19,2,7,2,19,2,18,2,25,2,4,2,44,2,27,2,44,2,4,2,51,2,41,2,53,2,52,2,53,2,57,2,47,2,59,2,63,2,61,2,43,2,62,2,58,2,63,2,54,2,54,2,55,2,61,2,64,2,64,2,63,2,65,2,66,2,76,2,69,2,68,2,6,2,72,2,68,2,75,3,09,3,25,3,06,3,31,3,13,3,01,3,06,3,09,3,08,3,22,3,13,3,2,3,2,3,23,3,31,3,21,3,42,3,12,3,1,3,21,3,17,3,27,3,18,3,47,3,16,3,45,3,34,3,3,3,47,3,54,3,76,3,74,4,12,3,83,3,95,3,83,3,9,3,95,4,3,84,4,13,4,26,4,05,4,17,4,05,4,01,4,17,3,84,4,2,4,17,4,14,4,06,4,2,4,14,4,1,4,04,4,02,4,11,4,13,4,11,4,19,4,18,4,18,4,13,4,1,4,27,4,07,4,06,4,06,4,4,02,3,81,3,77,3,73,3,54,3,58,3,69,3,69,3,54,3,51,3,57,3,48,3,61,3,62,3,63,3,66,3,71,3,77,3,83,3,77,3,84,3,97,3,97,4,12,4,26,4,29,4,38,4,85,5,17,5,36,3,46,3,32,3,27,3,32,3,26,3,25,3,24,3,19,3,15,3,09,2,99,2,86,2,64,2,66,2,56,2,14,2,1,95,1,92,1,82,1,81,1,77,1,8,1,76,1,85,1,88,1,87,1,87,1,84,1,85,1,86,1,93,1,99,1,99,2,02,1,98,1,99,2,16,2,07,2,21,2,05,2,16,2,18,2,17,2,14,2,1,2,15,2,53,2,19,2,51,2,48,2,51,2,52,2,56,2,59,2,6,2,63,2,57,2,62,2,62,2,59,2,62,2,63,2,63,2,59,2,63,2,59,2,65,2,61,2,67,2,62,2,65,2,68,2,73,2,71,2,69,2,83,2,74,2,76,2,76,2,88,3,2,3,23,3,13,3,12,3,15,3,16,3,17,3,18,3,24,3,25,3,19,3,16,3,2,3,25,3,29,3,27,3,36,3,23,3,28,3,3,3,24,3,35,3,31,3,36,3,27,3,35,3,35,3,29,3,5,3,56,3,6,3,68,3,79,3,86,3,88,3,83,4,03,4,04,4,12,4,13,4,21,4,27,4,18,4,15,4,3,4,26,4,25,4,34,4,26,4,27,4,1,4,08,4,42,4,22,4,14,3,99,4,08,4,08,4,17,4,07,4,16,4,13,4,04,4,1,4,02,4,19,3,98,3,98,3,96,3,93,3,8,3,7,3,71,3,6,3,4,3,49,3,58,3,56,3,48,3,46,3,46,3,52,3,61,3,64,3,64,3,64,3,7,3,76,3,85,3,84,3,92,3,89,3,96,4,05,4,22,4,38,4,5,4,89,5,2,5,4, Fijo,3,92,3,85,3,89,3,85,3,65,3,92,3,7,3,72,3,74,3,59,3,4,3,38,2,94,3,2,2,99,2,53,2,47,2,18,2,12,1,95,2,04,2,11,1,94,1,94,1,97,1,94,2,03,1,93,1,95,2,03,2,09,2,03,2,23,2,09,2,13,2,15,2,21,2,48,2,36,2,42,2,33,2,36,2,79,2,43,2,29,2,47,2,61,2,48,2,62,2,99,2,98,3,23,3,15,3,15,3,17,3,05,3,32,3,07,3,24,3,3,3,03,2,88,3,09,3,06,3,24,3,14,3,08,3,2,3,13,3,23,3,11,3,22,3,33,3,26,3,57,3,36,3,17,2,98,3,26,3,23,2,93,3,35,3,34,3,37,3,42,3,3,3,22,3,27,3,46,3,34,3,8,3,6,3,65,3,74,4,31,4,61,3,92,4,2,4,34,4,2,4,01,4,3,94,5,19,5,54,4,98,5,3,5,01,5,1,5,39,5,7,5,56,5,21,6,5,65,5,71,5,75,5,71,5,39,5,46,5,41,5,52,5,65,5,42,5,41,5,61,5,36,5,62,5,67,5,88,5,76,5,36,5,58,5,75,5,38,5,72,4,78,5,09,5,02,4,98,4,9,4,9,5,42,5,09,4,12,5,04,4,89,5,31,5,12,5,31,4,99,4,94,5,15,5,25,5,04,5,05,4,94,4,73,5,1,5,14,5,72,5,31,4,86,4,93,4,87,5,06,5,38,5,03,5,66,5,39,5,12,5,16,5,22,5,45,5,67,5,55,5,94,6,01,6,45,6,79,6,64,3,64,3,54,3,53,3,57,3,4,3,54,3,49,3,45,3,4,3,29,3,15,2,96,2,79,2,92,2,82,2,26,2,09,1,99,1,93,1,84,1,8,1,75,1,79,1,76,1,81,1,89,1,86,1,8,1,78,1,84,1,88,1,91,1,97,1,99,2,01,2,03,2,1,2,15,2,2,2,25,2,23,2,37,2,29,2,39,2,23,2,28,2,34,2,44,2,47,3,05,2,99,3,01,3,09,3,3,05,3,3,11,3,09,3,11,3,05,3,09,2,98,3,3,02,3,03,3,01,3,01,3,05,3,05,3,15,3,06,3,04,3,04,3,13,3,11,3,11,3,21,3,09,3,12,3,14,3,06,3,36,3,27,3,2,3,21,3,24,3,2,3,21,3,31,3,28,3,58,3,4,3,49,3,66,3,87,4,06,4,12,3,95,4,08,3,97,4,1,4,3,4,26,5,02,4,8,5,09,5,22,5,07,5,31,5,68,5,63,5,46,5,16,5,27,5,67,5,42,5,8,5,71,5,67,5,6,5,9,5,52,6,05,5,82,5,38,5,97,5,52,5,68,5,82,6,14,5,85,5,1,5,53,5,75,5,75,5,61,4,52,5,04,5,3,5,4,5,33,5,5,5,33,5,29,4,9,5,15,4,69,5,26,4,68,5,2,5,09,5,22,4,82,5,52,5,4,76,4,87,5,13,4,94,5,08,5,36,5,13,5,05,5,24,5,11,5,1,4,97,5,49,4,69,5,03,5,25,5,29,5,24,5,72,5,11,5,37,6,01,6,1,6,74,6,47,6,18, Variable,3,89,3,47,3,44,3,55,3,22,3,38,3,34,3,25,3,22,3,24,3,15,2,97,2,73,2,27,2,43,2,11,1,95,2,18,2,21,1,91,1,92,2,03,1,96,2,02,1,97,2,08,2,01,2,15,1,95,1,97,1,96,2,02,2,15,2,13,2,32,2,02,1,86,2,24,1,99,2,18,1,95,2,09,2,64,2,01,2,1,2,08,2,26,2,42,2,09,2,13,2,08,2,1,2,13,2,23,2,15,2,26,2,21,2,19,2,28,2,33,2,44,2,2,2,43,2,35,2,35,2,28,2,31,2,28,2,37,2,38,2,44,2,37,2,36,2,39,2,44,2,44,2,47,2,44,2,5,2,46,2,66,2,99,3,22,2,94,3,27,3,08,2,94,2,99,2,95,3,3,06,3,01,3,11,3,14,3,08,3,13,3,11,3,33,2,99,2,98,3,12,3,01,3,14,2,99,3,13,2,99,3,24,3,22,3,18,3,32,3,35,3,58,3,64,3,84,3,69,3,68,3,72,3,75,3,83,3,89,3,69,3,99,4,16,3,92,4,03,3,9,3,9,4,05,3,7,4,08,4,06,4,03,3,95,4,1,4,06,4,3,99,3,96,4,04,4,06,4,06,4,11,4,1,4,12,4,13,4,06,4,23,3,98,3,99,4,3,94,3,97,3,72,3,69,3,65,3,48,3,51,3,6,3,62,3,47,3,44,3,5,3,42,3,55,3,54,3,57,3,58,3,65,3,66,3,78,3,72,3,77,3,9,3,89,4,04,4,19,4,22,4,3,4,78,5,1,5,31,3,24,3,07,3,03,3,02,3,09,2,89,2,95,2,84,2,79,2,78,2,72,2,7,2,36,2,17,2,14,1,9,1,81,1,85,1,9,1,79,1,84,1,85,1,82,1,75,1,92,1,86,1,91,1,99,1,93,1,86,1,83,1,95,2,1,99,2,02,1,92,1,88,2,17,1,97,2,17,1,9,2,2,1,2,2,05,1,93,1,97,2,58,2,01,2,18,2,17,2,19,2,25,2,32,2,3,2,36,2,35,2,28,2,35,2,36,2,34,2,42,2,45,2,42,2,36,2,42,2,36,2,44,2,37,2,42,2,41,2,46,2,52,2,54,2,53,2,5,2,65,2,57,2,59,2,58,2,79,3,12,3,2,3,1,3,07,3,12,3,15,3,15,3,13,3,23,3,15,3,14,3,1,3,13,3,18,3,21,3,18,3,3,3,16,3,22,3,24,3,14,3,29,3,19,3,29,3,17,3,26,3,28,3,19,3,38,3,45,3,5,3,61,3,73,3,79,3,81,3,75,3,94,3,95,4,05,4,05,4,14,4,19,4,1,4,08,4,2,4,2,4,18,4,28,4,18,4,21,4,05,4,03,4,37,4,16,4,08,3,97,4,05,4,03,4,12,4,03,4,11,4,09,3,99,4,07,4,4,18,3,93,3,96,3,93,3,9,3,75,3,66,3,67,3,57,3,38,3,47,3,53,3,53,3,44,3,43,3,43,3,49,3,58,3,62,3,61,3,61,3,66,3,74,3,83,3,81,3,89,3,85,3,91,4,02,4,19,4,33,4,47,4,84,5,17,5,38, Notas: A 27 de marzo de 2023 se implanta un procedimiento renovado para la validación de los resultados del tipo de interés medio inicial en las hipotecas constituidas. Para dotar de homogeneidad a la serie, se han revisado los datos publicados para esta variable desde enero de 2020.

Los cambios realizados en el proceso de validación de estos registros consisten en un reajuste de los filtros de aceptación de valores anómalos, que mejoran la estimación de los tipos de interés medios. De esta forma, la serie revisada refleja con mayor precisión el nivel de los tipos de interés y su evolución a lo largo del tiempo.

Fuente: