{"id":150004,"date":"2020-03-05T13:04:06","date_gmt":"2020-03-05T10:04:06","guid":{"rendered":"https:\/\/alegria-realestate.com\/?p=150004"},"modified":"2025-08-14T20:04:20","modified_gmt":"2025-08-14T17:04:20","slug":"mortgage-in-spain-forecasts-2020","status":"publish","type":"post","link":"https:\/\/alegria-realestate.com\/pl\/articles\/mortgage-in-spain-forecasts-2020","title":{"rendered":"Cechy kredyt\u00f3w hipotecznych w Hiszpanii: wyniki 2019 i trendy 2020"},"content":{"rendered":"<p>Hiszpa\u0144ski Narodowy Instytut Statystyczny (INE) opublikowa\u0142 dane dotycz\u0105ce kredyt\u00f3w hipotecznych za 2019 rok. Wed\u0142ug informacji podanych w raporcie INE, w Hiszpanii w 2019 roku udzielono 357 720 kredyt\u00f3w hipotecznych, czyli o 2,7% wi\u0119cej ni\u017c w 2018 roku. Ponadto jest to najlepszy wynik roczny od 2011 roku, pomimo spowolnienia w gospodarce i wej\u015bcia w \u017cycie nowej ustawy hipotecznej.<\/p>\n<h2> Cechy kredyt\u00f3w hipotecznych w Hiszpanii w 2019 roku: nowe prawo<\/h2>\n<p> <a href=\"https:\/\/alegria-realestate.com\/ru\/articles\/news\/mortgage-in-spain-new-law\">Przyj\u0119cie nowej ustawy o hipotekach<\/a> na pocz\u0105tku lata 2019 r. mia\u0142o negatywny wp\u0142yw na wyniki bank\u00f3w z tytu\u0142u kredyt\u00f3w hipotecznych, jednak stopniowo sytuacja zacz\u0119\u0142a si\u0119 stabilizowa\u0107 i ju\u017c w grudniu podpisano 30 285 kredyt\u00f3w hipotecznych (+34% rok do roku ). Zdaniem ekspert\u00f3w skromne wyniki kredyt\u00f3w hipotecznych w 2019 roku wi\u0105\u017c\u0105 si\u0119 nie tylko z uchwaleniem nowego prawa i spowolnieniem gospodarczym, ale tak\u017ce z faktem, \u017ce wcze\u015bniej zbyt wiele kredyt\u00f3w hipotecznych wystawia\u0142a niewielka liczba instytucji finansowych. Je\u015bli chodzi o now\u0105 ustaw\u0119 o kredytach hipotecznych, to wed\u0142ug Hiszpa\u0144skiego Stowarzyszenia Bank\u00f3w (AEB) dane za ostatni miesi\u0105c 2019 r. potwierdzaj\u0105, \u017ce spadek obserwowany od czerwca (tj. od przyj\u0119cia standardu) do listopada wynika\u0142 z adaptacji fragmentu okres: banki potrzebowa\u0142y tych kilku miesi\u0119cy na dostosowanie si\u0119 do nowych warunk\u00f3w i wymaga\u0144. Pod koniec tego okresu rynek kredyt\u00f3w hipotecznych w Hiszpanii ponownie wkroczy\u0142 na \u015bcie\u017ck\u0119 silnego wzrostu.<\/p>\n<h2> Cechy kredyt\u00f3w hipotecznych w Hiszpanii w 2019 roku: sta\u0142e kredyty hipoteczne podbijaj\u0105 rynek <\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-150007\" src=\"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2020\/03\/mortgage-in-spain-forecasts-2020-14.jpg\" alt=\"Cechy kredyt\u00f3w hipotecznych w Hiszpanii: wyniki 2019 i trendy 2020\" width=\"999\" height=\"667\" srcset=\"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2020\/03\/mortgage-in-spain-forecasts-2020-14.jpg 999w, https:\/\/alegria-realestate.com\/wp-content\/uploads\/2020\/03\/mortgage-in-spain-forecasts-2020-14-300x200.jpg 300w, https:\/\/alegria-realestate.com\/wp-content\/uploads\/2020\/03\/mortgage-in-spain-forecasts-2020-14-768x513.jpg 768w\" sizes=\"auto, (max-width: 999px) 100vw, 999px\" \/> Kolejnym wa\u017cnym punktem odnotowanym w statystykach jest stopniowe umacnianie si\u0119 pozycji kredyt\u00f3w hipotecznych o sta\u0142ej warto\u015bci. W grudniu 2019 roku stanowi\u0142y one 44% wszystkich wystawionych kredyt\u00f3w hipotecznych, podczas gdy w pa\u017adzierniku tego samego roku osi\u0105gni\u0119to historyczny rekord 45%. W ca\u0142ym 2019 r., wed\u0142ug danych INE, podpisano 147 500 sta\u0142ych kredyt\u00f3w hipotecznych. Z drugiej strony \u015brednia kwota kredytu hipotecznego w 2019 roku spad\u0142a o 4,2%, podczas gdy \u015brednia oprocentowanie kredyt\u00f3w hipotecznych utrzymuje si\u0119 na historycznie niskim poziomie \u2013 2,53% w skali roku od grudnia 2019 roku.<\/p>\n<h2> Cechy kredyt\u00f3w hipotecznych w Hiszpanii: trendy w 2020 roku<\/h2>\n<p> Je\u015bli chodzi o <a href=\"https:\/\/alegria-realestate.com\/ru\/articles\/mortgage-in-spain-2020\">prognozy na 2020 rok<\/a> , eksperci uwa\u017caj\u0105, \u017ce wiele b\u0119dzie zale\u017ca\u0142o od poziomu <a href=\"https:\/\/alegria-realestate.com\/ru\/articles\/what-is-euribor\">indeksu Eur\u00edbor<\/a> . Dop\u00f3ki wska\u017anik pozostanie w polu ujemnym, kredyty hipoteczne o zr\u00f3\u015cnicowanej stopie procentowej b\u0119d\u0105 nadal bardzo popularne, zw\u0142aszcza je\u015bli chodzi o kredyty na 10-15 lat. Od stycznia 2020 r. stopa Eur\u00edbor wynosi -0,253%, co oznacza oszcz\u0119dno\u015bci na miesi\u0119cznych ratach kredytu hipotecznego dla tych, kt\u00f3rych kredyty hipoteczne s\u0105 przeliczane w styczniu. Warto zauwa\u017cy\u0107, \u017ce cho\u0107 Eur\u00edbor nadal znajduje si\u0119 w polu ujemnym, to od sierpnia 2019 r., kiedy zarejestrowano jego rekordowo niski poziom (-0,356%), wska\u017anik zacz\u0105\u0142 rosn\u0105\u0107.<\/p>\n<h2> Jaki kredyt hipoteczny wybra\u0107 w 2020 roku \u2013 ze sta\u0142\u0105 czy zr\u00f3\u017cnicowan\u0105 stop\u0105 procentow\u0105? <\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-150008\" src=\"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2020\/03\/mortgage-in-spain-forecasts-2020-2-scaled.jpg\" alt=\"Cechy kredyt\u00f3w hipotecznych w Hiszpanii: wyniki 2019 i trendy 2020\" width=\"2560\" height=\"1879\" srcset=\"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2020\/03\/mortgage-in-spain-forecasts-2020-2-scaled.jpg 1600w, https:\/\/alegria-realestate.com\/wp-content\/uploads\/2020\/03\/mortgage-in-spain-forecasts-2020-2-300x220.jpg 300w, https:\/\/alegria-realestate.com\/wp-content\/uploads\/2020\/03\/mortgage-in-spain-forecasts-2020-2-1024x751.jpg 1024w, https:\/\/alegria-realestate.com\/wp-content\/uploads\/2020\/03\/mortgage-in-spain-forecasts-2020-2-768x564.jpg 768w, https:\/\/alegria-realestate.com\/wp-content\/uploads\/2020\/03\/mortgage-in-spain-forecasts-2020-2-1536x1127.jpg 1536w, https:\/\/alegria-realestate.com\/wp-content\/uploads\/2020\/03\/mortgage-in-spain-forecasts-2020-2-2048x1503.jpg 2048w\" sizes=\"auto, (max-width: 2560px) 100vw, 2560px\" \/> Eksperci doradzaj\u0105 <a href=\"https:\/\/alegria-realestate.com\/ru\/articles\/news\/mortgage-in-spain-2019\">wyb\u00f3r rodzaju kredytu hipotecznego<\/a> w zale\u017cno\u015bci od okresu kredytowania. Wed\u0142ug obecnych prognoz indeks nie b\u0119dzie odnotowywa\u0142 znacz\u0105cych waha\u0144 przez co najmniej najbli\u017csze trzy lata. Dlatego kredyty hipoteczne o stopniowanym oprocentowaniu b\u0119d\u0105 dobrym rozwi\u0105zaniem dla kredyt\u00f3w poni\u017cej 10 lat. Jednocze\u015bnie konieczne jest dok\u0142adne przestudiowanie oferowanych przez bank warunk\u00f3w przedterminowej sp\u0142aty. Natomiast w przypadku po\u017cyczek d\u0142ugoterminowych preferowan\u0105 opcj\u0105 by\u0142aby sta\u0142a hipoteka, kt\u00f3ra zapewni\u0142aby stabilno\u015b\u0107 i pewno\u015b\u0107. [to miejsce] Jednak s\u0105 to bardzo przeci\u0119tne dane i porady, poniewa\u017c w ka\u017cdym przypadku nale\u017cy przeprowadzi\u0107 dok\u0142adne badanie wszystkich mo\u017cliwych czynnik\u00f3w. Dlatego <a href=\"https:\/\/alegria-realestate.com\/ru\/service\/mortgage-in-spain\">wyb\u00f3r kredytu hipotecznego<\/a> , kt\u00f3ry najlepiej odpowiada Twojej sytuacji, najlepiej powierzy\u0107 profesjonali\u015bcie z du\u017cym do\u015bwiadczeniem i dobr\u0105 znajomo\u015bci\u0105 rynku.<\/p>\n<h2> Funkcje kredyt\u00f3w hipotecznych w Hiszpanii: Euribor Plus to najbardziej oczekiwana innowacja 2020 roku<\/h2>\n<p> Od ko\u0144ca 2019 roku rynek czeka na wej\u015bcie w \u017cycie indeksu Euribor Plus, kt\u00f3ry stanie si\u0119 now\u0105 wersj\u0105 obecnego Euribor. Przy obliczaniu warto\u015bci stawki Euribor Plus wykorzystane zostan\u0105 dane z wi\u0119kszej liczby instytucji finansowych i rz\u0105dowych. Dok\u0142adna data wej\u015bcia w \u017cycie Euribor Plus nie zosta\u0142a jeszcze og\u0142oszona, ale ju\u017c wiadomo, \u017ce pierwsze miesi\u0105ce po jego uruchomieniu b\u0119d\u0105 okresem testowania jego skuteczno\u015bci. Przypomnijmy, \u017ce Alegr\u00eda zapewnia swoim klientom 100% akceptacj\u0119 kredyt\u00f3w hipotecznych na poziomie banku po wst\u0119pnej analizie <a href=\"https:\/\/alegria-realestate.com\/ru\/articles\/documents-for-buying-property-in-spain\">dokument\u00f3w<\/a> przez naszych ekspert\u00f3w. Tutaj mo\u017cesz <a href=\"https:\/\/alegria-realestate.com\/ru\/\">zobaczy\u0107<\/a> katalog nieruchomo\u015bci Alegr\u00eda.<\/p>","protected":false},"excerpt":{"rendered":"<p>Hiszpa\u0144ski Narodowy Instytut Statystyczny (INE) opublikowa\u0142 dane dotycz\u0105ce kredyt\u00f3w\u2026<\/p>\n","protected":false},"author":18,"featured_media":150006,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1,957],"tags":[],"class_list":["post-150004","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 v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>\u041e\u0441\u043e\u0431\u0435\u043d\u043d\u043e\u0441\u0442\u0438 \u0438\u043f\u043e\u0442\u0435\u043a\u0438 \u0432 \u0418\u0441\u043f\u0430\u043d\u0438\u0438 \u0432 2019 \u0433\u043e\u0434\u0443: \u0438\u0442\u043e\u0433\u0438 \u0433\u043e\u0434\u0430, \u0441\u0442\u0430\u0432\u043a\u0438, \u043c\u043d\u0435\u043d\u0438\u044f \u044d\u043a\u0441\u043f\u0435\u0440\u0442\u043e\u0432<\/title>\n<meta name=\"description\" content=\"\u041f\u043e\u0441\u043b\u0435\u0434\u043d\u0438\u0435 \u0434\u0430\u043d\u043d\u044b\u0435 \u0438\u043f\u043e\u0442\u0435\u0447\u043d\u043e\u0433\u043e \u0440\u044b\u043d\u043a\u0430 \u0432 \u0418\u0441\u043f\u0430\u043d\u0438\u0438, \u0438\u0442\u043e\u0433\u0438 2019 \u0433\u043e\u0434\u0430 \u0438 \u0442\u0435\u043d\u0434\u0435\u043d\u0446\u0438\u0438 2020-\u0433\u043e. \u041e\u0441\u043e\u0431\u0435\u043d\u043d\u043e\u0441\u0442\u0438 \u0438\u043f\u043e\u0442\u0435\u043a\u0438 \u0432 \u0418\u0441\u043f\u0430\u043d\u0438\u0438: \u0437\u043d\u0430\u0447\u0435\u043d\u0438\u0435 \u0441\u0442\u0430\u0432\u043a\u0438 Eur\u00edbor, \u0432\u0432\u0435\u0434\u0435\u043d\u0438\u0435 Euribor Plus, \u0438\u043f\u043e\u0442\u0435\u043a\u0438 \u0441 \u0444\u0438\u043a\u0441\u0438\u0440\u043e\u0432\u0430\u043d\u043d\u043e\u0439 \u0438 \u0434\u0438\u0444\u0444\u0435\u0440\u0435\u043d\u0446\u0438\u0440\u043e\u0432\u0430\u043d\u043d\u043e\u0439 \u0441\u0442\u0430\u0432\u043a\u043e\u0439. \u0421\u043e\u0432\u0435\u0442\u044b \u0438 \u043f\u0440\u043e\u0433\u043d\u043e\u0437\u044b \u044d\u043a\u0441\u043f\u0435\u0440\u0442\u043e\u0432.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/alegria-realestate.com\/pl\/wp-json\/wp\/v2\/posts\/150004\" \/>\n<meta property=\"og:locale\" content=\"pl_PL\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u041e\u0441\u043e\u0431\u0435\u043d\u043d\u043e\u0441\u0442\u0438 \u0438\u043f\u043e\u0442\u0435\u043a\u0438 \u0432 \u0418\u0441\u043f\u0430\u043d\u0438\u0438 \u0432 2019 \u0433\u043e\u0434\u0443: \u0438\u0442\u043e\u0433\u0438 \u0433\u043e\u0434\u0430, \u0441\u0442\u0430\u0432\u043a\u0438, \u043c\u043d\u0435\u043d\u0438\u044f \u044d\u043a\u0441\u043f\u0435\u0440\u0442\u043e\u0432\" \/>\n<meta property=\"og:description\" content=\"\u041f\u043e\u0441\u043b\u0435\u0434\u043d\u0438\u0435 \u0434\u0430\u043d\u043d\u044b\u0435 \u0438\u043f\u043e\u0442\u0435\u0447\u043d\u043e\u0433\u043e \u0440\u044b\u043d\u043a\u0430 \u0432 \u0418\u0441\u043f\u0430\u043d\u0438\u0438, \u0438\u0442\u043e\u0433\u0438 2019 \u0433\u043e\u0434\u0430 \u0438 \u0442\u0435\u043d\u0434\u0435\u043d\u0446\u0438\u0438 2020-\u0433\u043e. \u041e\u0441\u043e\u0431\u0435\u043d\u043d\u043e\u0441\u0442\u0438 \u0438\u043f\u043e\u0442\u0435\u043a\u0438 \u0432 \u0418\u0441\u043f\u0430\u043d\u0438\u0438: \u0437\u043d\u0430\u0447\u0435\u043d\u0438\u0435 \u0441\u0442\u0430\u0432\u043a\u0438 Eur\u00edbor, \u0432\u0432\u0435\u0434\u0435\u043d\u0438\u0435 Euribor Plus, \u0438\u043f\u043e\u0442\u0435\u043a\u0438 \u0441 \u0444\u0438\u043a\u0441\u0438\u0440\u043e\u0432\u0430\u043d\u043d\u043e\u0439 \u0438 \u0434\u0438\u0444\u0444\u0435\u0440\u0435\u043d\u0446\u0438\u0440\u043e\u0432\u0430\u043d\u043d\u043e\u0439 \u0441\u0442\u0430\u0432\u043a\u043e\u0439. \u0421\u043e\u0432\u0435\u0442\u044b \u0438 \u043f\u0440\u043e\u0433\u043d\u043e\u0437\u044b \u044d\u043a\u0441\u043f\u0435\u0440\u0442\u043e\u0432.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/alegria-realestate.com\/pl\/wp-json\/wp\/v2\/posts\/150004\" \/>\n<meta property=\"og:site_name\" content=\"Nieruchomo\u015b\u0107 w Hiszpanii\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/realestate.alegria\" \/>\n<meta property=\"article:published_time\" content=\"2020-03-05T10:04:06+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-08-14T17:04:20+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2020\/03\/mortgage-in-spain-forecasts-2020.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1024\" \/>\n\t<meta property=\"og:image:height\" content=\"768\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"\u0421\u0435\u0440\u0433\u0435\u0439 \u0411\u0435\u043a\u0438\u0448\u0435\u0432\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@alegriarealesta\" \/>\n<meta name=\"twitter:site\" content=\"@alegriarealesta\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/alegria-realestate.com\\\/pl\\\/articles\\\/mortgage-in-spain-forecasts-2020#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/alegria-realestate.com\\\/pl\\\/articles\\\/mortgage-in-spain-forecasts-2020\"},\"author\":{\"name\":\"\u0421\u0435\u0440\u0433\u0435\u0439 \u0411\u0435\u043a\u0438\u0448\u0435\u0432\",\"@id\":\"https:\\\/\\\/alegria-realestate.com\\\/#\\\/schema\\\/person\\\/9d285f0a34620d7fb8e3836f93b5522c\"},\"headline\":\"Cechy kredyt\u00f3w hipotecznych w Hiszpanii: wyniki 2019 i trendy 2020\",\"datePublished\":\"2020-03-05T10:04:06+00:00\",\"dateModified\":\"2025-08-14T17:04:20+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/alegria-realestate.com\\\/pl\\\/articles\\\/mortgage-in-spain-forecasts-2020\"},\"wordCount\":5158,\"publisher\":{\"@id\":\"https:\\\/\\\/alegria-realestate.com\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/alegria-realestate.com\\\/pl\\\/articles\\\/mortgage-in-spain-forecasts-2020#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/alegria-realestate.com\\\/wp-content\\\/uploads\\\/2020\\\/03\\\/mortgage-in-spain-forecasts-2020.jpg\",\"articleSection\":[\"Blog\",\"Kredyt hipoteczny\"],\"inLanguage\":\"pl-PL\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/alegria-realestate.com\\\/pl\\\/articles\\\/mortgage-in-spain-forecasts-2020\",\"url\":\"https:\\\/\\\/alegria-realestate.com\\\/pl\\\/articles\\\/mortgage-in-spain-forecasts-2020\",\"name\":\"\u041e\u0441\u043e\u0431\u0435\u043d\u043d\u043e\u0441\u0442\u0438 \u0438\u043f\u043e\u0442\u0435\u043a\u0438 \u0432 \u0418\u0441\u043f\u0430\u043d\u0438\u0438 \u0432 2019 \u0433\u043e\u0434\u0443: \u0438\u0442\u043e\u0433\u0438 \u0433\u043e\u0434\u0430, \u0441\u0442\u0430\u0432\u043a\u0438, \u043c\u043d\u0435\u043d\u0438\u044f \u044d\u043a\u0441\u043f\u0435\u0440\u0442\u043e\u0432\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/alegria-realestate.com\\\/pl\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/alegria-realestate.com\\\/pl\\\/articles\\\/mortgage-in-spain-forecasts-2020#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/alegria-realestate.com\\\/pl\\\/articles\\\/mortgage-in-spain-forecasts-2020#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/alegria-realestate.com\\\/wp-content\\\/uploads\\\/2020\\\/03\\\/mortgage-in-spain-forecasts-2020.jpg\",\"datePublished\":\"2020-03-05T10:04:06+00:00\",\"dateModified\":\"2025-08-14T17:04:20+00:00\",\"description\":\"\u041f\u043e\u0441\u043b\u0435\u0434\u043d\u0438\u0435 \u0434\u0430\u043d\u043d\u044b\u0435 \u0438\u043f\u043e\u0442\u0435\u0447\u043d\u043e\u0433\u043e \u0440\u044b\u043d\u043a\u0430 \u0432 \u0418\u0441\u043f\u0430\u043d\u0438\u0438, \u0438\u0442\u043e\u0433\u0438 2019 \u0433\u043e\u0434\u0430 \u0438 \u0442\u0435\u043d\u0434\u0435\u043d\u0446\u0438\u0438 2020-\u0433\u043e. \u041e\u0441\u043e\u0431\u0435\u043d\u043d\u043e\u0441\u0442\u0438 \u0438\u043f\u043e\u0442\u0435\u043a\u0438 \u0432 \u0418\u0441\u043f\u0430\u043d\u0438\u0438: \u0437\u043d\u0430\u0447\u0435\u043d\u0438\u0435 \u0441\u0442\u0430\u0432\u043a\u0438 Eur\u00edbor, \u0432\u0432\u0435\u0434\u0435\u043d\u0438\u0435 Euribor Plus, \u0438\u043f\u043e\u0442\u0435\u043a\u0438 \u0441 \u0444\u0438\u043a\u0441\u0438\u0440\u043e\u0432\u0430\u043d\u043d\u043e\u0439 \u0438 \u0434\u0438\u0444\u0444\u0435\u0440\u0435\u043d\u0446\u0438\u0440\u043e\u0432\u0430\u043d\u043d\u043e\u0439 \u0441\u0442\u0430\u0432\u043a\u043e\u0439. \u0421\u043e\u0432\u0435\u0442\u044b \u0438 \u043f\u0440\u043e\u0433\u043d\u043e\u0437\u044b \u044d\u043a\u0441\u043f\u0435\u0440\u0442\u043e\u0432.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/alegria-realestate.com\\\/pl\\\/articles\\\/mortgage-in-spain-forecasts-2020#breadcrumb\"},\"inLanguage\":\"pl-PL\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[[\"https:\\\/\\\/alegria-realestate.com\\\/pl\\\/articles\\\/mortgage-in-spain-forecasts-2020\"]]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"pl-PL\",\"@id\":\"https:\\\/\\\/alegria-realestate.com\\\/pl\\\/articles\\\/mortgage-in-spain-forecasts-2020#primaryimage\",\"url\":\"https:\\\/\\\/alegria-realestate.com\\\/wp-content\\\/uploads\\\/2020\\\/03\\\/mortgage-in-spain-forecasts-2020.jpg\",\"contentUrl\":\"https:\\\/\\\/alegria-realestate.com\\\/wp-content\\\/uploads\\\/2020\\\/03\\\/mortgage-in-spain-forecasts-2020.jpg\",\"width\":1024,\"height\":768,\"caption\":\"\u041e\u0441\u043e\u0431\u0435\u043d\u043d\u043e\u0441\u0442\u0438 \u0438\u043f\u043e\u0442\u0435\u043a\u0438 \u0432 \u0418\u0441\u043f\u0430\u043d\u0438\u0438: \u0438\u0442\u043e\u0433\u0438 2019 \u0433\u043e\u0434\u0430 \u0438 \u0442\u0435\u043d\u0434\u0435\u043d\u0446\u0438\u0438 2020-\u0433\u043e\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/alegria-realestate.com\\\/pl\\\/articles\\\/mortgage-in-spain-forecasts-2020#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"\u0413\u043b\u0430\u0432\u043d\u0430\u044f \u0441\u0442\u0440\u0430\u043d\u0438\u0446\u0430\",\"item\":\"https:\\\/\\\/alegria-realestate.com\\\/pl\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Cechy kredyt\u00f3w hipotecznych w Hiszpanii: wyniki 2019 i trendy 2020\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/alegria-realestate.com\\\/pl\\\/#website\",\"url\":\"https:\\\/\\\/alegria-realestate.com\\\/pl\\\/\",\"name\":\"Nieruchomo\u015b\u0107 w Hiszpanii\",\"description\":\"Nieruchomo\u015bci w Hiszpanii: sprzeda\u017c we wszystkich miastach - Torrevieja, Alicante, Benidorm itp. Pomo\u017cemy Ci kupi\u0107 nieruchomo\u015bci na Costa Blanca - mieszkania wt\u00f3rne, nowe budynki. Projekt pod klucz. Nieruchomo\u015b\u0107 na Costa Blanca od 80 000 \u20ac.\",\"publisher\":{\"@id\":\"https:\\\/\\\/alegria-realestate.com\\\/pl\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/alegria-realestate.com\\\/pl\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"pl-PL\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/alegria-realestate.com\\\/pl\\\/#organization\",\"name\":\"Alegria Realestate\",\"url\":\"https:\\\/\\\/alegria-realestate.com\\\/pl\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"pl-PL\",\"@id\":\"https:\\\/\\\/alegria-realestate.com\\\/pl\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/alegria-realestate.com\\\/wp-content\\\/uploads\\\/2019\\\/08\\\/logo_alegria.png\",\"contentUrl\":\"https:\\\/\\\/alegria-realestate.com\\\/wp-content\\\/uploads\\\/2019\\\/08\\\/logo_alegria.png\",\"width\":1600,\"height\":1403,\"caption\":\"Alegria Realestate\"},\"image\":{\"@id\":\"https:\\\/\\\/alegria-realestate.com\\\/pl\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/realestate.alegria\",\"https:\\\/\\\/x.com\\\/alegriarealesta\",\"https:\\\/\\\/www.instagram.com\\\/alegriadom\\\/\",\"https:\\\/\\\/www.linkedin.com\\\/profile\\\/view?id=154965227\",\"https:\\\/\\\/www.youtube.com\\\/user\\\/AlegriaRealEstate\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/alegria-realestate.com\\\/#\\\/schema\\\/person\\\/9d285f0a34620d7fb8e3836f93b5522c\",\"name\":\"\u0421\u0435\u0440\u0433\u0435\u0439 \u0411\u0435\u043a\u0438\u0448\u0435\u0432\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"\u041e\u0441\u043e\u0431\u0435\u043d\u043d\u043e\u0441\u0442\u0438 \u0438\u043f\u043e\u0442\u0435\u043a\u0438 \u0432 \u0418\u0441\u043f\u0430\u043d\u0438\u0438 \u0432 2019 \u0433\u043e\u0434\u0443: \u0438\u0442\u043e\u0433\u0438 \u0433\u043e\u0434\u0430, \u0441\u0442\u0430\u0432\u043a\u0438, \u043c\u043d\u0435\u043d\u0438\u044f \u044d\u043a\u0441\u043f\u0435\u0440\u0442\u043e\u0432","description":"\u041f\u043e\u0441\u043b\u0435\u0434\u043d\u0438\u0435 \u0434\u0430\u043d\u043d\u044b\u0435 \u0438\u043f\u043e\u0442\u0435\u0447\u043d\u043e\u0433\u043e \u0440\u044b\u043d\u043a\u0430 \u0432 \u0418\u0441\u043f\u0430\u043d\u0438\u0438, \u0438\u0442\u043e\u0433\u0438 2019 \u0433\u043e\u0434\u0430 \u0438 \u0442\u0435\u043d\u0434\u0435\u043d\u0446\u0438\u0438 2020-\u0433\u043e. \u041e\u0441\u043e\u0431\u0435\u043d\u043d\u043e\u0441\u0442\u0438 \u0438\u043f\u043e\u0442\u0435\u043a\u0438 \u0432 \u0418\u0441\u043f\u0430\u043d\u0438\u0438: \u0437\u043d\u0430\u0447\u0435\u043d\u0438\u0435 \u0441\u0442\u0430\u0432\u043a\u0438 Eur\u00edbor, \u0432\u0432\u0435\u0434\u0435\u043d\u0438\u0435 Euribor Plus, \u0438\u043f\u043e\u0442\u0435\u043a\u0438 \u0441 \u0444\u0438\u043a\u0441\u0438\u0440\u043e\u0432\u0430\u043d\u043d\u043e\u0439 \u0438 \u0434\u0438\u0444\u0444\u0435\u0440\u0435\u043d\u0446\u0438\u0440\u043e\u0432\u0430\u043d\u043d\u043e\u0439 \u0441\u0442\u0430\u0432\u043a\u043e\u0439. \u0421\u043e\u0432\u0435\u0442\u044b \u0438 \u043f\u0440\u043e\u0433\u043d\u043e\u0437\u044b \u044d\u043a\u0441\u043f\u0435\u0440\u0442\u043e\u0432.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/alegria-realestate.com\/pl\/wp-json\/wp\/v2\/posts\/150004","og_locale":"pl_PL","og_type":"article","og_title":"\u041e\u0441\u043e\u0431\u0435\u043d\u043d\u043e\u0441\u0442\u0438 \u0438\u043f\u043e\u0442\u0435\u043a\u0438 \u0432 \u0418\u0441\u043f\u0430\u043d\u0438\u0438 \u0432 2019 \u0433\u043e\u0434\u0443: \u0438\u0442\u043e\u0433\u0438 \u0433\u043e\u0434\u0430, \u0441\u0442\u0430\u0432\u043a\u0438, \u043c\u043d\u0435\u043d\u0438\u044f \u044d\u043a\u0441\u043f\u0435\u0440\u0442\u043e\u0432","og_description":"\u041f\u043e\u0441\u043b\u0435\u0434\u043d\u0438\u0435 \u0434\u0430\u043d\u043d\u044b\u0435 \u0438\u043f\u043e\u0442\u0435\u0447\u043d\u043e\u0433\u043e \u0440\u044b\u043d\u043a\u0430 \u0432 \u0418\u0441\u043f\u0430\u043d\u0438\u0438, \u0438\u0442\u043e\u0433\u0438 2019 \u0433\u043e\u0434\u0430 \u0438 \u0442\u0435\u043d\u0434\u0435\u043d\u0446\u0438\u0438 2020-\u0433\u043e. \u041e\u0441\u043e\u0431\u0435\u043d\u043d\u043e\u0441\u0442\u0438 \u0438\u043f\u043e\u0442\u0435\u043a\u0438 \u0432 \u0418\u0441\u043f\u0430\u043d\u0438\u0438: \u0437\u043d\u0430\u0447\u0435\u043d\u0438\u0435 \u0441\u0442\u0430\u0432\u043a\u0438 Eur\u00edbor, \u0432\u0432\u0435\u0434\u0435\u043d\u0438\u0435 Euribor Plus, \u0438\u043f\u043e\u0442\u0435\u043a\u0438 \u0441 \u0444\u0438\u043a\u0441\u0438\u0440\u043e\u0432\u0430\u043d\u043d\u043e\u0439 \u0438 \u0434\u0438\u0444\u0444\u0435\u0440\u0435\u043d\u0446\u0438\u0440\u043e\u0432\u0430\u043d\u043d\u043e\u0439 \u0441\u0442\u0430\u0432\u043a\u043e\u0439. \u0421\u043e\u0432\u0435\u0442\u044b \u0438 \u043f\u0440\u043e\u0433\u043d\u043e\u0437\u044b \u044d\u043a\u0441\u043f\u0435\u0440\u0442\u043e\u0432.","og_url":"https:\/\/alegria-realestate.com\/pl\/wp-json\/wp\/v2\/posts\/150004","og_site_name":"Nieruchomo\u015b\u0107 w Hiszpanii","article_publisher":"https:\/\/www.facebook.com\/realestate.alegria","article_published_time":"2020-03-05T10:04:06+00:00","article_modified_time":"2025-08-14T17:04:20+00:00","og_image":[{"width":1024,"height":768,"url":"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2020\/03\/mortgage-in-spain-forecasts-2020.jpg","type":"image\/jpeg"}],"author":"\u0421\u0435\u0440\u0433\u0435\u0439 \u0411\u0435\u043a\u0438\u0448\u0435\u0432","twitter_card":"summary_large_image","twitter_creator":"@alegriarealesta","twitter_site":"@alegriarealesta","schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/alegria-realestate.com\/pl\/articles\/mortgage-in-spain-forecasts-2020#article","isPartOf":{"@id":"https:\/\/alegria-realestate.com\/pl\/articles\/mortgage-in-spain-forecasts-2020"},"author":{"name":"\u0421\u0435\u0440\u0433\u0435\u0439 \u0411\u0435\u043a\u0438\u0448\u0435\u0432","@id":"https:\/\/alegria-realestate.com\/#\/schema\/person\/9d285f0a34620d7fb8e3836f93b5522c"},"headline":"Cechy kredyt\u00f3w hipotecznych w Hiszpanii: wyniki 2019 i trendy 2020","datePublished":"2020-03-05T10:04:06+00:00","dateModified":"2025-08-14T17:04:20+00:00","mainEntityOfPage":{"@id":"https:\/\/alegria-realestate.com\/pl\/articles\/mortgage-in-spain-forecasts-2020"},"wordCount":5158,"publisher":{"@id":"https:\/\/alegria-realestate.com\/#organization"},"image":{"@id":"https:\/\/alegria-realestate.com\/pl\/articles\/mortgage-in-spain-forecasts-2020#primaryimage"},"thumbnailUrl":"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2020\/03\/mortgage-in-spain-forecasts-2020.jpg","articleSection":["Blog","Kredyt hipoteczny"],"inLanguage":"pl-PL"},{"@type":"WebPage","@id":"https:\/\/alegria-realestate.com\/pl\/articles\/mortgage-in-spain-forecasts-2020","url":"https:\/\/alegria-realestate.com\/pl\/articles\/mortgage-in-spain-forecasts-2020","name":"\u041e\u0441\u043e\u0431\u0435\u043d\u043d\u043e\u0441\u0442\u0438 \u0438\u043f\u043e\u0442\u0435\u043a\u0438 \u0432 \u0418\u0441\u043f\u0430\u043d\u0438\u0438 \u0432 2019 \u0433\u043e\u0434\u0443: \u0438\u0442\u043e\u0433\u0438 \u0433\u043e\u0434\u0430, \u0441\u0442\u0430\u0432\u043a\u0438, \u043c\u043d\u0435\u043d\u0438\u044f \u044d\u043a\u0441\u043f\u0435\u0440\u0442\u043e\u0432","isPartOf":{"@id":"https:\/\/alegria-realestate.com\/pl\/#website"},"primaryImageOfPage":{"@id":"https:\/\/alegria-realestate.com\/pl\/articles\/mortgage-in-spain-forecasts-2020#primaryimage"},"image":{"@id":"https:\/\/alegria-realestate.com\/pl\/articles\/mortgage-in-spain-forecasts-2020#primaryimage"},"thumbnailUrl":"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2020\/03\/mortgage-in-spain-forecasts-2020.jpg","datePublished":"2020-03-05T10:04:06+00:00","dateModified":"2025-08-14T17:04:20+00:00","description":"\u041f\u043e\u0441\u043b\u0435\u0434\u043d\u0438\u0435 \u0434\u0430\u043d\u043d\u044b\u0435 \u0438\u043f\u043e\u0442\u0435\u0447\u043d\u043e\u0433\u043e \u0440\u044b\u043d\u043a\u0430 \u0432 \u0418\u0441\u043f\u0430\u043d\u0438\u0438, \u0438\u0442\u043e\u0433\u0438 2019 \u0433\u043e\u0434\u0430 \u0438 \u0442\u0435\u043d\u0434\u0435\u043d\u0446\u0438\u0438 2020-\u0433\u043e. \u041e\u0441\u043e\u0431\u0435\u043d\u043d\u043e\u0441\u0442\u0438 \u0438\u043f\u043e\u0442\u0435\u043a\u0438 \u0432 \u0418\u0441\u043f\u0430\u043d\u0438\u0438: \u0437\u043d\u0430\u0447\u0435\u043d\u0438\u0435 \u0441\u0442\u0430\u0432\u043a\u0438 Eur\u00edbor, \u0432\u0432\u0435\u0434\u0435\u043d\u0438\u0435 Euribor Plus, \u0438\u043f\u043e\u0442\u0435\u043a\u0438 \u0441 \u0444\u0438\u043a\u0441\u0438\u0440\u043e\u0432\u0430\u043d\u043d\u043e\u0439 \u0438 \u0434\u0438\u0444\u0444\u0435\u0440\u0435\u043d\u0446\u0438\u0440\u043e\u0432\u0430\u043d\u043d\u043e\u0439 \u0441\u0442\u0430\u0432\u043a\u043e\u0439. \u0421\u043e\u0432\u0435\u0442\u044b \u0438 \u043f\u0440\u043e\u0433\u043d\u043e\u0437\u044b \u044d\u043a\u0441\u043f\u0435\u0440\u0442\u043e\u0432.","breadcrumb":{"@id":"https:\/\/alegria-realestate.com\/pl\/articles\/mortgage-in-spain-forecasts-2020#breadcrumb"},"inLanguage":"pl-PL","potentialAction":[{"@type":"ReadAction","target":[["https:\/\/alegria-realestate.com\/pl\/articles\/mortgage-in-spain-forecasts-2020"]]}]},{"@type":"ImageObject","inLanguage":"pl-PL","@id":"https:\/\/alegria-realestate.com\/pl\/articles\/mortgage-in-spain-forecasts-2020#primaryimage","url":"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2020\/03\/mortgage-in-spain-forecasts-2020.jpg","contentUrl":"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2020\/03\/mortgage-in-spain-forecasts-2020.jpg","width":1024,"height":768,"caption":"\u041e\u0441\u043e\u0431\u0435\u043d\u043d\u043e\u0441\u0442\u0438 \u0438\u043f\u043e\u0442\u0435\u043a\u0438 \u0432 \u0418\u0441\u043f\u0430\u043d\u0438\u0438: \u0438\u0442\u043e\u0433\u0438 2019 \u0433\u043e\u0434\u0430 \u0438 \u0442\u0435\u043d\u0434\u0435\u043d\u0446\u0438\u0438 2020-\u0433\u043e"},{"@type":"BreadcrumbList","@id":"https:\/\/alegria-realestate.com\/pl\/articles\/mortgage-in-spain-forecasts-2020#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"\u0413\u043b\u0430\u0432\u043d\u0430\u044f \u0441\u0442\u0440\u0430\u043d\u0438\u0446\u0430","item":"https:\/\/alegria-realestate.com\/pl\/"},{"@type":"ListItem","position":2,"name":"Cechy kredyt\u00f3w hipotecznych w Hiszpanii: wyniki 2019 i trendy 2020"}]},{"@type":"WebSite","@id":"https:\/\/alegria-realestate.com\/pl\/#website","url":"https:\/\/alegria-realestate.com\/pl\/","name":"Nieruchomo\u015b\u0107 w Hiszpanii","description":"Nieruchomo\u015bci w Hiszpanii: sprzeda\u017c we wszystkich miastach - Torrevieja, Alicante, Benidorm itp. Pomo\u017cemy Ci kupi\u0107 nieruchomo\u015bci na Costa Blanca - mieszkania wt\u00f3rne, nowe budynki. Projekt pod klucz. Nieruchomo\u015b\u0107 na Costa Blanca od 80 000 \u20ac.","publisher":{"@id":"https:\/\/alegria-realestate.com\/pl\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/alegria-realestate.com\/pl\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"pl-PL"},{"@type":"Organization","@id":"https:\/\/alegria-realestate.com\/pl\/#organization","name":"Alegria Realestate","url":"https:\/\/alegria-realestate.com\/pl\/","logo":{"@type":"ImageObject","inLanguage":"pl-PL","@id":"https:\/\/alegria-realestate.com\/pl\/#\/schema\/logo\/image\/","url":"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/08\/logo_alegria.png","contentUrl":"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/08\/logo_alegria.png","width":1600,"height":1403,"caption":"Alegria Realestate"},"image":{"@id":"https:\/\/alegria-realestate.com\/pl\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/realestate.alegria","https:\/\/x.com\/alegriarealesta","https:\/\/www.instagram.com\/alegriadom\/","https:\/\/www.linkedin.com\/profile\/view?id=154965227","https:\/\/www.youtube.com\/user\/AlegriaRealEstate"]},{"@type":"Person","@id":"https:\/\/alegria-realestate.com\/#\/schema\/person\/9d285f0a34620d7fb8e3836f93b5522c","name":"\u0421\u0435\u0440\u0433\u0435\u0439 \u0411\u0435\u043a\u0438\u0448\u0435\u0432"}]}},"_links":{"self":[{"href":"https:\/\/alegria-realestate.com\/pl\/wp-json\/wp\/v2\/posts\/150004","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/alegria-realestate.com\/pl\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/alegria-realestate.com\/pl\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/alegria-realestate.com\/pl\/wp-json\/wp\/v2\/users\/18"}],"replies":[{"embeddable":true,"href":"https:\/\/alegria-realestate.com\/pl\/wp-json\/wp\/v2\/comments?post=150004"}],"version-history":[{"count":1,"href":"https:\/\/alegria-realestate.com\/pl\/wp-json\/wp\/v2\/posts\/150004\/revisions"}],"predecessor-version":[{"id":837169,"href":"https:\/\/alegria-realestate.com\/pl\/wp-json\/wp\/v2\/posts\/150004\/revisions\/837169"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/alegria-realestate.com\/pl\/wp-json\/wp\/v2\/media\/150006"}],"wp:attachment":[{"href":"https:\/\/alegria-realestate.com\/pl\/wp-json\/wp\/v2\/media?parent=150004"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/alegria-realestate.com\/pl\/wp-json\/wp\/v2\/categories?post=150004"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/alegria-realestate.com\/pl\/wp-json\/wp\/v2\/tags?post=150004"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}