{"id":21121,"date":"2023-05-09T21:32:39","date_gmt":"2023-05-09T21:32:39","guid":{"rendered":"https:\/\/utanderealestate.com\/interest-rate-hikes-increase-demand-for-mixed-mortgages\/"},"modified":"2025-02-17T13:31:10","modified_gmt":"2025-02-17T13:31:10","slug":"interest-rate-hikes-increase-demand-for-mixed-mortgages","status":"publish","type":"post","link":"https:\/\/utanderealestate.com\/en\/interest-rate-hikes-increase-demand-for-mixed-mortgages\/","title":{"rendered":"Rising interest rates increase demand for hybrid mortgages"},"content":{"rendered":"\n<p class=\"justificar\">Following the tightening of the European Central Bank (ECB) with its monetary policy, the mortgage market has undergone a real revolution. The ECB has increased the price of money, setting it at 3% in February 2023, with the aim of curbing the rise in inflation in order to guarantee price stability. This is undoubtedly having a strong impact on the mortgage market.  <\/p>\n\n<p class=\"justificar\">The market data show a boom in mortgage contracts. Fixed-rate mortgages were the most in demand, but mixed mortgages are proving to be the big winners. &#8220;The financial sector has focused its commercial efforts on bringing to market mixed mortgages with very competitive conditions &#8211; today they can be found below 2% in the fixed part &#8211; which are having a lot of acceptance among consumers seeking to ensure the quota against rate hikes, but do not want to assume a fixed rate for the life of the loan at 4%&#8221;, as published recently by Idealista.  <\/p>\n\n<p class=\"justificar\">The General Council of Notaries does not quantify what type of mortgages are contracted and the INE, according to its methodology, counts them as a variable rate (hence the boom in this type of mortgage in recent months).<\/p>\n\n<p class=\"justificar\">Juan Vill\u00e9n, general manager of mortgages at Idealista, says &#8220;our operations follow a similar trend with respect to the total for Spain and what we are seeing is spectacular growth&#8221;.<\/p>\n\n<p class=\"justificar\">In December alone, mixed mortgages accounted for 31% of the transactions brokered by Idealista, compared to 10% of variable-rate mortgages.<\/p>\n\n<p class=\"justificar\">&#8220;This represents an increase in the number of transactions of 150% over the total number of transactions in 2021 and an increase of 400% year-on-year; that is, with respect to December 2021. Based on the mortgages signed through our mortgage broker service at idealista, mixed mortgages would account for 3 out of every 4 mortgages that the INE statistics classify as variable,&#8221; according to Vill\u00e9n.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Following the tightening of the European Central Bank (ECB) with its monetary policy, the mortgage market has undergone a real revolution. The ECB has increased the price of money, setting it at 3% in February 2023, with the aim of curbing the rise in inflation in order to guarantee price stability. This is undoubtedly having [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":20674,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"content-type":"","inline_featured_image":false,"_joinchat":[],"footnotes":""},"categories":[1],"tags":[],"class_list":["post-21121","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-sin-categorizar"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Rising interest rates increase demand for hybrid mortgages - Utande Real Estate<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/utanderealestate.com\/en\/interest-rate-hikes-increase-demand-for-mixed-mortgages\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Rising interest rates increase demand for hybrid mortgages - Utande Real Estate\" \/>\n<meta property=\"og:description\" content=\"Following the tightening of the European Central Bank (ECB) with its monetary policy, the mortgage market has undergone a real revolution. The ECB has increased the price of money, setting it at 3% in February 2023, with the aim of curbing the rise in inflation in order to guarantee price stability. 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