{"id":862129,"date":"2025-09-14T19:57:44","date_gmt":"2025-09-14T16:57:44","guid":{"rendered":"https:\/\/alegria-realestate.com\/?p=862129"},"modified":"2025-09-15T13:30:05","modified_gmt":"2025-09-15T10:30:05","slug":"average-home-buyer-in-the-valencian-community-2025-profile-mortgages","status":"publish","type":"post","link":"https:\/\/alegria-realestate.com\/pl\/articles\/news\/average-home-buyer-in-the-valencian-community-2025-profile-mortgages","title":{"rendered":"Przeci\u0119tny nabywca mieszkania we Wsp\u00f3lnocie Walenckiej: 40+, wysokie dochody i kredyt hipoteczny"},"content":{"rendered":"

W obecnych warunkach rynkowych w Hiszpanii wej\u015bcie w posiadanie w\u0142asnego mieszkania staje si\u0119 coraz trudniejsze. Liczba transakcji w II kw. 2025 spad\u0142a, g\u0142\u00f3wnie z powodu dalszego wzrostu cen. Zmieni\u0142 si\u0119 te\u017c profil kupuj\u0105cego \u2013 coraz cz\u0119\u015bciej s\u0105 to osoby o wy\u017cszej sile nabywczej.<\/p>\n

Wed\u0142ug najnowszych danych organizacji bran\u017cowych i ekspert\u00f3w we Wsp\u00f3lnocie Walenckiej dominuje profil 41-letniego m\u0119\u017cczyzny o wysokich dochodach<\/strong>, kt\u00f3ry w wi\u0119kszo\u015bci przypadk\u00f3w korzysta z kredytu hipotecznego<\/strong>.<\/p>\n

Cho\u0107 wi\u0119kszo\u015b\u0107 nabywc\u00f3w to mieszka\u0144cy regionu, udzia\u0142 cudzoziemc\u00f3w<\/strong> jest znacz\u0105cy \u2013 zw\u0142aszcza na wybrze\u017cu prowincji Alicante<\/a>, gdzie si\u0119ga 45\u00a0%<\/strong>. Z badania Fotocasa wynika, \u017ce 51\u00a0%<\/strong> respondent\u00f3w zarabia ponad 2\u00a0500\u00a0\u20ac miesi\u0119cznie; w 31\u00a0%<\/strong> przypadk\u00f3w mieszkaj\u0105 z ma\u0142\u017conkiem i dzie\u0107mi, a w 28\u00a0%<\/strong> \u2013 tylko z ma\u0142\u017conkiem\/partnerem.<\/p>\n

W grupie wiekowej 35\u201344<\/strong> lata liczba zakup\u00f3w maleje, natomiast w segmencie 45\u201355<\/strong> ro\u015bnie. Mimo \u017ce w ostatnich latach cz\u0119stsze by\u0142y zakupy za got\u00f3wk\u0119, trend si\u0119 odwr\u00f3ci\u0142: 70\u00a0% nabywc\u00f3w mieszka\u0144 na w\u0142asne potrzeby finansuje si\u0119 hipotek\u0105<\/strong> \u2013 m.in. dzi\u0119ki ni\u017cszym stopom i \u0142agodniejszym warunkom bank\u00f3w. Zobacz tak\u017ce: hipoteka w Hiszpanii<\/a>.<\/p>\n

Z danych INE wynika, \u017ce w maju liczba hipotek mieszkaniowych zarejestrowanych we Wsp\u00f3lnocie Walenckiej wzros\u0142a o 77,7\u00a0%<\/strong> r\/r, znacznie powy\u017cej wyniku krajowego (54,4\u00a0%<\/strong>). \u0141\u0105cznie podpisano 5\u00a0583<\/strong> umowy hipoteczne na kwot\u0119 702,6\u00a0mln \u20ac<\/strong>.<\/p>\n

\u015arednia kwota kredytu<\/strong> to 125\u00a0117\u00a0\u20ac<\/strong>, przy \u015brednim okresie 24,83 roku<\/strong> i oprocentowaniu 3,17\u00a0%<\/strong>, nieco powy\u017cej \u015bredniej krajowej (3,02\u00a0%<\/strong>). Przeci\u0119tna rata<\/strong> wynosi oko\u0142o 607\u00a0\u20ac<\/strong> (ok. 29,2\u00a0%<\/strong> wynagrodzenia).<\/p>\n

Zdecydowana wi\u0119kszo\u015b\u0107 kupuj\u0105cych wybiera rynek wt\u00f3rny<\/strong> i mieszkania w wolnym obrocie. Zwraca uwag\u0119 tak\u017ce liczba nowych w\u0142a\u015bcicieli, kt\u00f3rzy nabyli nieruchomo\u015b\u0107 w drodze spadku<\/strong>: w czerwcu 18\u00a0%<\/strong> zarejestrowanych transakcji by\u0142o powi\u0105zanych ze spadkami, cho\u0107 pod koniec 2024 r. udzia\u0142 ten by\u0142 wyra\u017anie wy\u017cszy \u2013 26,56\u00a0%<\/strong>.<\/p>\n

\u015arednia cena<\/strong> mieszkania kupowanego przez mieszka\u0144c\u00f3w Hiszpanii we Wsp\u00f3lnocie Walenckiej to 147\u00a0719\u00a0\u20ac<\/strong>, podczas gdy cudzoziemcy<\/strong> p\u0142ac\u0105 \u015brednio 167\u00a0012\u00a0\u20ac<\/strong>. Odzwierciedla to now\u0105 rzeczywisto\u015b\u0107 lokalnego rynku, gdzie nabywcy zagraniczni<\/a> cz\u0119sto dysponuj\u0105 wi\u0119ksz\u0105 si\u0142\u0105 nabywcz\u0105 i szerszym wyborem.<\/p>\n

W II kwartale cudzoziemcy<\/strong> zrealizowali 28\u00a0%<\/strong> zakup\u00f3w \u2014 to dwukrotno\u015b\u0107<\/strong> \u015bredniej krajowej (14,1\u00a0%<\/strong>). W Alicante ich udzia\u0142 si\u0119ga 45\u00a0%<\/strong>, nap\u0119dzany silnym popytem europejskim i szczeg\u00f3lnie przez cyfrowych nomad\u00f3w<\/em> z p\u00f3\u0142nocy kontynentu. W I kw. 2025 na prowadzeniu byli W\u0142osi z 254<\/strong> zakupami, za nimi Ukrai\u0144cy (204<\/strong>), kt\u00f3rzy wyprzedzili Rumun\u00f3w (175<\/strong>).<\/p>\n

Eksperci s\u0105 zgodni, \u017ce rynek wszed\u0142 w faz\u0119 wyhamowania i stabilizacji cen<\/strong>. Czynsze tak\u017ce wydaj\u0105 si\u0119 hamowa\u0107, cho\u0107 sytuacja pozostaje napi\u0119ta. Cz\u0119\u015b\u0107 w\u0142a\u015bcicieli zawy\u017ca stawki, \u017c\u0105daj\u0105c 1\u00a0200\u20131\u00a0300\u00a0\u20ac<\/strong> miesi\u0119cznie za mieszkania w bardzo s\u0142abym stanie. Udzia\u0142 zakup\u00f3w inwestycyjnych<\/strong> spad\u0142 r\/r z 13\u00a0%<\/strong> do 10\u00a0%<\/strong>. Wraz z ni\u017csz\u0105 atrakcyjno\u015bci\u0105 najmu cz\u0119\u015b\u0107 kapita\u0142u przenosi si\u0119 do innych miast.<\/p>\n

Podsumowuj\u0105c: typowy nabywca mieszkania we Wsp\u00f3lnocie Walenckiej w 2025 r. \u0142\u0105czy wysok\u0105 si\u0142\u0119 nabywcz\u0105 z cz\u0119stym wykorzystaniem hipoteki, preferuje rynek wt\u00f3rny i wsp\u00f3\u0142istnieje z silnym segmentem kupuj\u0105cych zagranicznych, kt\u00f3ry wp\u0142ywa na kszta\u0142towanie cen \u2014 zw\u0142aszcza na wybrze\u017cu. Po latach euforii spodziewany jest okres umiarkowania i dostosowania.<\/p>\n

Zobacz katalog ofert<\/a><\/p>\n

\n

Przekazane informacje nie stanowi\u0105 porady prawnej ani podatkowej i nie s\u0105 ofert\u0105 publiczn\u0105.<\/p>\n

<\/p>","protected":false},"excerpt":{"rendered":"

W obecnych warunkach rynkowych w Hiszpanii wej\u015bcie w posiadanie\u2026<\/p>\n","protected":false},"author":34,"featured_media":862130,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[15],"tags":[],"class_list":["post-862129","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news"],"yoast_head":"\nPrzeci\u0119tny nabywca mieszkania we Wsp\u00f3lnocie Walenckiej \u2013 40+, wysokie dochody i kredyt hipoteczny<\/title>\n<meta name=\"description\" content=\"II kw. 2025: mniej transakcji przy rosn\u0105cych cenach. Profil: 41 lat, wysokie dochody, kredyt. 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