{"id":11816,"date":"2018-04-24T14:05:25","date_gmt":"2018-04-24T11:05:25","guid":{"rendered":"https:\/\/alegria-realestate.com\/?p=11816"},"modified":"2025-08-14T19:43:53","modified_gmt":"2025-08-14T16:43:53","slug":"overview-of-the-mortgage-market-in-spain","status":"publish","type":"post","link":"https:\/\/alegria-realestate.com\/pl\/articles\/overview-of-the-mortgage-market-in-spain","title":{"rendered":"Kredyty hipoteczne w Hiszpanii: przegl\u0105d rynku za ostatni rok"},"content":{"rendered":"<p>Niedawno specjali\u015bci firmy \u201eAlegria\u201d podsumowali stan rynku nieruchomo\u015bci w Hiszpanii w ci\u0105gu ostatniego roku na podstawie danych statystycznych z oficjalnych \u017ar\u00f3de\u0142 w Hiszpanii. Jednym z poruszanych temat\u00f3w by\u0142 \u201eKredyt hipoteczny w Hiszpanii\u201d. Materia\u0142 zosta\u0142 opublikowany na rosyjskoj\u0119zycznym portalu \u201eHiszpania po rosyjsku\u201d. Dzi\u015b chcieliby\u015bmy podzieli\u0107 si\u0119 z Wami informacjami na temat \u015bredniej kwoty kredytu hipotecznego w 2017 roku, kt\u00f3ry z zagranicznych nabywc\u00f3w nieruchomo\u015bci okaza\u0142 si\u0119 najbardziej wyp\u0142acalny i jak zmienia\u0142o si\u0119 oprocentowanie w czasie. Przeczytaj wi\u0119cej na ten temat&#8230;<\/p>\n<h3> Zobaczmy, jak si\u0119 sprawy mia\u0142y z kredytami hipotecznymi w Hiszpanii pod koniec 2017 roku<\/h3>\n<p> Kredyty hipoteczne s\u0105 nadal jednym z najbardziej poszukiwanych produkt\u00f3w finansowych. Oczywi\u015bcie nie jest to rok 2004, kiedy <a href=\"about\/news\/banki-v-torrevieja.html\">banki<\/a> z \u0142atwo\u015bci\u0105 po\u017cyczaj\u0105 ka\u017cdemu na lewo i prawo. Kryzys i ogromna liczba niesp\u0142aconych kredyt\u00f3w hipotecznych zmusi\u0142y ich do zrewidowania warunk\u00f3w i zaostrzenia wymaga\u0144 wobec kredytobiorc\u00f3w. Dzi\u015b hiszpa\u0144skie banki wymagaj\u0105 powa\u017cnego<a href=\"https:\/\/alegria-realestate.com\/ru\/articles\/documents-for-buying-property-in-spain\"><strong>pakietu dokument\u00f3w<\/strong><\/a> , zw\u0142aszcza od klient\u00f3w zagranicznych, i tylko w wyj\u0105tkowych przypadkach oferuj\u0105 100% finansowanie. [to miejsce] Zaostrzenie wymaga\u0144 jest oczywi\u015bcie nieprzyjemne. Ale dobr\u0105 wiadomo\u015bci\u0105 jest to, \u017ce oprocentowanie kredyt\u00f3w jest obecnie niewiarygodnie niskie i oczekuje si\u0119, \u017ce utrzyma si\u0119 na tym poziomie przez jaki\u015b czas. Wi\u0119kszo\u015b\u0107 <a href=\"https:\/\/alegria-realestate.com\/ru\/articles\/mortgages-in-spain-for-non-residents\"><strong>kredyt\u00f3w hipotecznych udzielonych<\/strong><\/a> w Hiszpanii w IV kwartale 2017 r. spad\u0142a na banki i kasy oszcz\u0119dno\u015bciowe. Niewielki odsetek przypada na inne organizacje (firmy udzielaj\u0105ce po\u017cyczek swoim pracownikom, <a href=\"https:\/\/alegria-realestate.com\/ru\/\"><strong>deweloperom<\/strong><\/a> itp.). <img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-11817\" src=\"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-001.jpg\" alt=\"\" width=\"788\" height=\"587\" srcset=\"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-001.jpg 788w, https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-001-300x223.jpg 300w, https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-001-768x572.jpg 768w\" sizes=\"auto, (max-width: 788px) 100vw, 788px\" \/> Je\u015bli chodzi o wysoko\u015b\u0107 dofinansowania, obraz jest bardzo nier\u00f3wny (je\u015bli spojrzymy na statystyki dotycz\u0105ce autonomii). Je\u015bli we Wsp\u00f3lnocie Walenckiej przy <a href=\"about\/faq\/\">zakupie domu<\/a> wymagana jest po\u017cyczka hipoteczna w wysoko\u015bci \u015brednio 855 \u20ac za metr kwadratowy, w Madrycie liczba ta si\u0119ga ju\u017c 1760 \u20ac\/m2. <img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-11818\" src=\"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-002.jpg\" alt=\"\" width=\"788\" height=\"579\" srcset=\"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-002.jpg 788w, https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-002-300x220.jpg 300w, https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-002-768x564.jpg 768w\" sizes=\"auto, (max-width: 788px) 100vw, 788px\" \/> Tak to wygl\u0105da na wykresie w podziale na kwarta\u0142y, pocz\u0105wszy od 2004 roku. Kolorem czerwonym oznaczono kredyty hipoteczne zaci\u0105gni\u0119te w bankach i kasach oszcz\u0119dno\u015bciowych, zielonym \u2013 w innych instytucjach. <img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-11819\" src=\"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-003.jpg\" alt=\"\" width=\"769\" height=\"433\" srcset=\"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-003.jpg 769w, https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-003-300x169.jpg 300w, https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-003-768x432.jpg 768w\" sizes=\"auto, (max-width: 769px) 100vw, 769px\" \/> Je\u015bli chodzi o \u015bredni\u0105 kwot\u0119 kredyt\u00f3w hipotecznych w IV kwartale 2017 roku wynios\u0142a ona oko\u0142o 121 tys. \u20ac (og\u00f3lnie w Hiszpanii). Mieszka\u0144cy wsp\u00f3lnoty walenckiej byli zadowoleni z mniejszej ilo\u015bci &#8211; \u015brednio finansowali ich 85 tys. \u20ac. Patrz\u0105c na Madryt z jego 192 tys. \u20ac odczuwa si\u0119 ulg\u0119 \u2013 w ko\u0144cu mieszkania na wybrze\u017cu, a w szczeg\u00f3lno\u015bci na naszym ukochanym <a href=\"https:\/\/alegria-realestate.com\/ru\/\"><strong>Costa Blanca<\/strong><\/a> , nie uderzaj\u0105 tak bardzo w bud\u017cet rodzinny. <img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-11820\" src=\"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-004.jpg\" alt=\"\" width=\"787\" height=\"580\" srcset=\"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-004.jpg 787w, https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-004-300x221.jpg 300w, https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-004-768x566.jpg 768w\" sizes=\"auto, (max-width: 787px) 100vw, 787px\" \/> Wykres pokazuje, jak po recesji z lat 2013-14 rynek kredyt\u00f3w hipotecznych ponownie si\u0119 o\u017cywi\u0142 i, cho\u0107 nie szybko, ale stale ro\u015bnie. <img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-11821\" src=\"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-005.jpg\" alt=\"\" width=\"775\" height=\"425\" srcset=\"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-005.jpg 775w, https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-005-300x165.jpg 300w, https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-005-768x421.jpg 768w\" sizes=\"auto, (max-width: 775px) 100vw, 775px\" \/> W por\u00f3wnaniu do III kwarta\u0142u 2017 r. IV kwarta\u0142 przyni\u00f3s\u0142 wzrost liczby udzielonych kredyt\u00f3w hipotecznych w prawie wszystkich regionach Hiszpanii. Co to jest, szum sylwestrowy? <img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-11822\" src=\"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-006.jpg\" alt=\"\" width=\"741\" height=\"425\" srcset=\"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-006.jpg 741w, https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-006-300x172.jpg 300w\" sizes=\"auto, (max-width: 741px) 100vw, 741px\" \/> I tak zachowywa\u0142a si\u0119 stopa procentowa przez ostatnie trzyna\u015bcie lat. Spadek, kt\u00f3ry rozpocz\u0105\u0142 si\u0119 w pierwszym kwartale 2013 roku, nie zosta\u0142 zatrzymany do dzi\u015b. Wi\u0119kszo\u015b\u0107 kredyt\u00f3w hipotecznych jest powi\u0105zana ze wska\u017anikiem <a href=\"https:\/\/alegria-realestate.com\/ru\/articles\/what-is-euribor\"><strong>EURIBOR<\/strong><\/a> , kt\u00f3ry od dawna jest utrzymywany ze znakiem minus. <img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-11823\" src=\"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-007.jpg\" alt=\"\" width=\"775\" height=\"422\" srcset=\"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-007.jpg 775w, https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-007-300x163.jpg 300w, https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-007-768x418.jpg 768w\" sizes=\"auto, (max-width: 775px) 100vw, 775px\" \/> Ponad 62% kredyt\u00f3w hipotecznych w Hiszpanii jest powi\u0105zanych z EURIBOR (European Interbank Lending Rate). Tych. wszystkie te po\u017cyczki zosta\u0142y udzielone na bazie zmiennej stopy procentowej. Mniejszo\u015b\u0107 kredyt\u00f3w hipotecznych jest powi\u0105zana z IRPH (\u015bredni procent kredyt\u00f3w hipotecznych w Hiszpanii) i innymi indeksami (np. LEBOR). Pozosta\u0142e 36% kredyt\u00f3w hipotecznych zosta\u0142o udzielonych ze sta\u0142ym oprocentowaniem. <img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-11824\" src=\"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-008.jpg\" alt=\"\" width=\"788\" height=\"579\" srcset=\"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-008.jpg 788w, https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-008-300x220.jpg 300w, https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-008-768x564.jpg 768w\" sizes=\"auto, (max-width: 788px) 100vw, 788px\" \/> A warto zauwa\u017cy\u0107, \u017ce liczba kredyt\u00f3w o sta\u0142ym oprocentowaniu (na wykresie na niebiesko) systematycznie ro\u015bnie. I to jest logiczne, poniewa\u017c. pozwala na ustalenie niskiego kursu obowi\u0105zuj\u0105cego dzisiaj przez ca\u0142y okres sp\u0142aty kredytu hipotecznego, zabezpieczaj\u0105c si\u0119 tym samym przed ewentualnym gwa\u0142townym wzrostem indeks\u00f3w, z kt\u00f3rymi zwi\u0105zany jest oprocentowanie zmienne (kolor czerwony na wykresie). <img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-11825\" src=\"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-009.jpg\" alt=\"\" width=\"768\" height=\"405\" srcset=\"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-009.jpg 768w, https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-009-300x158.jpg 300w\" sizes=\"auto, (max-width: 768px) 100vw, 768px\" \/> Jaki jest czas trwania kredyt\u00f3w hipotecznych w Hiszpanii? Je\u015bli spojrzysz na statystyki dla kraju, to \u015brednio 23-24 lata. R\u00f3\u017cnice mi\u0119dzy regionami s\u0105 nieznaczne. <img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-11826\" src=\"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-010.jpg\" alt=\"\" width=\"788\" height=\"580\" srcset=\"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-010.jpg 788w, https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-010-300x221.jpg 300w, https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-010-768x565.jpg 768w\" sizes=\"auto, (max-width: 788px) 100vw, 788px\" \/> Szczytowy okres kredytowania przypada\u0142 na szczyt cen i st\u00f3p w latach 2006-07, kiedy ludzie byli zmuszeni ubiega\u0107 si\u0119 o kredyty na maksymalny mo\u017cliwy okres, aby jako\u015b zmniejszy\u0107 miesi\u0119czny limit. <img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-11827\" src=\"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-011.jpg\" alt=\"\" width=\"761\" height=\"440\" srcset=\"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-011.jpg 761w, https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-011-300x173.jpg 300w\" sizes=\"auto, (max-width: 761px) 100vw, 761px\" \/> Jedynie Wyspy Kanaryjskie i Madryt wyr\u00f3\u017cniaj\u0105 si\u0119 z og\u00f3lnego obrazu, wszystkie pozosta\u0142e regiony s\u0105 utrzymywane na mniej wi\u0119cej tym samym poziomie pod wzgl\u0119dem warunk\u00f3w kredyt\u00f3w hipotecznych. <img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-11828\" src=\"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-012.jpg\" alt=\"\" width=\"769\" height=\"442\" srcset=\"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-012.jpg 769w, https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-012-300x172.jpg 300w, https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-012-768x441.jpg 768w\" sizes=\"auto, (max-width: 769px) 100vw, 769px\" \/> Tak wygl\u0105daj\u0105 \u015brednie miesi\u0119czne kwoty kredyt\u00f3w hipotecznych w relacji do zarobk\u00f3w. We Wsp\u00f3lnocie Walencji jest to 416 \u20ac miesi\u0119cznie, czyli 24,5% wynagrodzenia. Madryt, Katalonia i Baleary wygl\u0105daj\u0105 znacznie mniej szcz\u0119\u015bliwie. <img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-11829\" src=\"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-013.jpg\" alt=\"\" width=\"788\" height=\"579\" srcset=\"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-013.jpg 788w, https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-013-300x220.jpg 300w, https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-013-768x564.jpg 768w\" sizes=\"auto, (max-width: 788px) 100vw, 788px\" \/> W latach 2007-08 \u015brednia miesi\u0119czna kwota kredytu hipotecznego by\u0142a bliska 50%. Zgadzam si\u0119, potworna posta\u0107. Dodaj <a href=\"http:\/\/alegria-realestate.com\/ru\/about\/news\/property-for-sale-in-spain.html\"><strong>podatki<\/strong><\/a> , <a href=\"about\/news\/soderzhanie-nedvizhimosti-v-ispanii-2018.html\">rachunki za media<\/a> &#8211; a co zosta\u0142o na ca\u0142e \u017cycie? <img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-11830\" src=\"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-014.jpg\" alt=\"\" width=\"778\" height=\"429\" srcset=\"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-014.jpg 778w, https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-014-300x165.jpg 300w, https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-014-768x423.jpg 768w\" sizes=\"auto, (max-width: 778px) 100vw, 778px\" \/> W IV kwartale 2017 r. oko\u0142o 6200 mieszka\u0144 zosta\u0142o zaj\u0119tych pod d\u0142ug hipoteczny. Pod wzgl\u0119dem wielko\u015bci wyalienowanego maj\u0105tku spo\u0142eczno\u015b\u0107 Walencji (1326 r.) by\u0142a tylko nieznacznie za Andaluzj\u0105 (1685 r.) i zaj\u0119\u0142a drugie miejsce. Na trzecim &#8211; Katalonia (1001). <img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-11831\" src=\"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-015.jpg\" alt=\"\" width=\"746\" height=\"458\" srcset=\"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-015.jpg 746w, https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-015-300x184.jpg 300w\" sizes=\"auto, (max-width: 746px) 100vw, 746px\" \/> Ale nie pozw\u00f3l, aby te liczby Ci\u0119 przestraszy\u0142y. W skali kraju obraz nie wygl\u0105da tak przera\u017caj\u0105co w por\u00f3wnaniu z 2014 r., w kt\u00f3rym odnotowano apogeum aresztowa\u0144. <img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-11832\" src=\"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-016.jpg\" alt=\"\" width=\"793\" height=\"444\" srcset=\"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-016.jpg 793w, https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-016-300x168.jpg 300w, https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-016-768x430.jpg 768w\" sizes=\"auto, (max-width: 793px) 100vw, 793px\" \/> Ponadto ponad po\u0142owa aresztowa\u0144 w ci\u0105gu ostatnich sze\u015bciu miesi\u0119cy mia\u0142a miejsce na w\u0142asno\u015b\u0107 os\u00f3b prawnych. Tych. Przede wszystkim m\u00f3wimy o upad\u0142ych deweloperach, kt\u00f3rych dzia\u0142alno\u015b\u0107 finansowa\u0142y banki. <img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-11833\" src=\"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-017.jpg\" alt=\"\" width=\"781\" height=\"465\" srcset=\"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-017.jpg 781w, https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-017-300x179.jpg 300w, https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-017-768x457.jpg 768w\" sizes=\"auto, (max-width: 781px) 100vw, 781px\" \/> W przypadku cudzoziemc\u00f3w ich udzia\u0142 w og\u00f3lnej liczbie zaj\u0119tych mienia wynosi oko\u0142o 4-5%. Tych. zagraniczni kredytobiorcy staraj\u0105 si\u0119 sp\u0142aca\u0107 kredyty hipoteczne do ko\u0144ca. <img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-11834\" src=\"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-018.jpg\" alt=\"\" width=\"748\" height=\"444\" srcset=\"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-018.jpg 748w, https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-018-300x178.jpg 300w\" sizes=\"auto, (max-width: 748px) 100vw, 748px\" \/> Zmniejszy\u0142a si\u0119 r\u00f3wnie\u017c liczba dobrowolnych odm\u00f3w sp\u0142aty kredytu hipotecznego i przekazania kluczy do banku. W por\u00f3wnaniu z 2015 r. prawie 3 razy. <img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-11835\" src=\"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-019.jpg\" alt=\"\" width=\"856\" height=\"480\" srcset=\"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-019.jpg 856w, https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-019-300x168.jpg 300w, https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-019-768x431.jpg 768w\" sizes=\"auto, (max-width: 856px) 100vw, 856px\" \/> Cudzoziemcy odmawiaj\u0105 kredyt\u00f3w hipotecznych 8 razy rzadziej ni\u017c Hiszpanie. Obywatele Ukrainy s\u0105 na 10. miejscu w rankingu odm\u00f3w (0,22% og\u00f3lnej liczby odm\u00f3w), podczas gdy Rosjanie nie znale\u017ali si\u0119 nawet w pierwszej dwudziestce. Generalnie obraz wygl\u0105da jak na wykresie (odmowy obcokrajowc\u00f3w z mieszkania hipotecznego s\u0105 zaznaczone na niebiesko). <img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-11836\" src=\"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-020.jpg\" alt=\"\" width=\"865\" height=\"532\" srcset=\"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-020.jpg 865w, https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-020-300x185.jpg 300w, https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-020-768x472.jpg 768w\" sizes=\"auto, (max-width: 865px) 100vw, 865px\" \/> Mamy nadziej\u0119, \u017ce nasz przegl\u0105d hiszpa\u0144skiego rynku kredyt\u00f3w hipotecznych na podstawie danych z rejestru pozwoli lepiej oceni\u0107 sytuacj\u0119. Niekiedy do\u015b\u0107 trudno jest podj\u0105\u0107 decyzj\u0119 o uzyskaniu kredytu hipotecznego, nie widz\u0105c dynamicznego rozwoju rynku, nie rozumiej\u0105c, czy wzrost lub spadek niekt\u00f3rych wska\u017anik\u00f3w jest chwilowy, czy odwrotnie, stabilny w ramach d\u0142ugoterminowego trendu . Tak czy inaczej, kredyt hipoteczny w Hiszpanii pozwala wielu rodzinom rozwi\u0105za\u0107 problem mieszkaniowy i zdoby\u0107 <a href=\"https:\/\/alegria-realestate.com\/ru\/\"><strong>w\u0142asne mieszkanie<\/strong><\/a> . Je\u015bli wybierzesz nasz\u0105 nieruchomo\u015b\u0107, pomo\u017cemy Ci przygotowa\u0107 wszystkie dokumenty do kredytu hipotecznego i uzyska\u0107 kredyt na najkorzystniejszych dla Ciebie warunkach.<\/p>","protected":false},"excerpt":{"rendered":"<p>Niedawno specjali\u015bci firmy \u201eAlegria\u201d podsumowali stan rynku nieruchomo\u015bci w\u2026<\/p>\n","protected":false},"author":1,"featured_media":11817,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1,957],"tags":[],"class_list":["post-11816","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-articles","category-mortgage-in-spain"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Kredyty hipoteczne w Hiszpanii: przegl\u0105d rynku za ostatni rok<\/title>\n<meta name=\"description\" content=\"\u041c\u044b 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