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SITUACIÓN EUROPEA
Los expertos consideran que los próximos años van a ser difíciles, porque la financiación ha desaparecido, el valor de los activos se ha desplomado y los inversores están a la espera de la estabilización de los precios.Empezará a comprarse calidad. Hasta 2012, aumentará la aversión al riesgo y cada vez tendrán más peso los activos de alta calidad, los arrendamientos largos, las buenas ubicaciones, el bajo endeudamiento y los mercados más estables. La actual crisis no es de capital sino de crédito. Se dará prioridad a la seguridad de los mercados más grandes, con expectativas de mayor liquidez a medio plazo, sobre todo, Alemania. Pero no se producirán esos nuevos aportes de capital hasta que se rectifiquen los precios a la baja en el sector.
Source : European Mortgage Federation
European map of debts
Overview of EU residential mortgage markets 2006
|
Value of
Mortgage
Debt, € million |
Growth in
Mortgage
Debt |
Residential
Debt to
GDP Ratio |
Per Capita
Mortgage
Debt, € thousand |
Belgium |
114,105 |
12.9% |
36.3% |
10.9 |
Bulgaria |
1,745 |
73.5% |
7.0% |
0.2 |
Czech Republic |
8,055 |
33.9% |
7.1% |
0.8 |
Denmark |
221,970 |
13.4% |
100.8% |
40.9 |
Germany |
1,183,834 |
1.8% |
51.3% |
14.4 |
Estonia |
4,278 |
63.4% |
32.7% |
3.2 |
Greece |
57,145 |
25.8% |
29.3% |
5.1 |
Spain |
571,746 |
20.2% |
58.6% |
13.1 |
France |
577,800 |
14.7% |
32.2% |
9.2 |
Ireland |
123,288 |
24.6% |
70.1% |
29.3 |
Italy |
276,102 |
13.3% |
18.7% |
4.7 |
Cyprus |
3,077 |
43.5% |
21.2% |
4.0 |
Latvia |
4,680 |
86.5% |
28.9% |
2.0 |
Lithuania |
2,997 |
32.1% |
12.6% |
0.9 |
Luxembourg |
11,345 |
13.4% |
34.3% |
24.7 |
Hungary |
10,215 |
11.0% |
11.4% |
1.0 |
Malta |
1,770 |
16.5% |
34.7% |
4.4 |
Netherlands |
525,874 |
7.9% |
98.4% |
32.2 |
Austria |
60,669 |
12.7% |
23.5% |
7.3 |
Poland |
22,514 |
53.7% |
8.3% |
0.6 |
Portugal |
91,895 |
15.7% |
59.2% |
8.7 |
Romania |
2,276 |
57.2% |
2.3% |
0.1 |
Slovenia |
1,956 |
43.0% |
6.6% |
1.0 |
Slovakia |
4,209 |
36.7% |
9.6% |
0.8 |
Finland |
73,200 |
11.0% |
43.8% |
13.9 |
Sweden |
173,499 |
9.1% |
56.7% |
19.2 |
UK |
1,583,372 |
11.9% |
83.1% |
26.2 |
EU27 |
5,713,615 |
11.1% |
49.0% |
11.6 |
| Croatia |
5,219 |
37.2% |
15.3% |
1.2 |
Iceland** |
9,828 |
4.5% |
75.5% |
32.8 |
Serbia |
650 |
111.7% |
2.9% |
0.1 |
Switzerland |
307,348 |
3.4% |
101.9% |
41.2 |
Turkey |
12,237 |
65.7% |
3.8% |
0.2 |
Ukraine |
4,301 |
157.6% |
2.6% |
0.1 |
** The growth rate for Iceland was calculated using the figures in national currency. In fact, in EUR it would have been negative due to a change in the exchange rate. |
atrás
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