{
  "id": 16233639,
  "title": "Change of stage in sight in the Spanish mortgage market",
  "url": "https://urgent.news/2026/10/23/cambio-de-etapa-a-la-vista-en-el-mercado-hipotecario-espanol",
  "topic": "business",
  "section": "Business",
  "published": "2026-10-23T22:01:38.000Z",
  "source": {
    "name": "Expansion ES",
    "slug": "expansion-es",
    "url": "https://www.expansion.com/empresas/banca/2026/10/24/6adbb92ce5fdead5478b4591.html"
  },
  "original_language": "es",
  "account": "The Spanish mortgage market is undergoing a change in cycle, with lenders increasing loan costs and becoming more selective in their lending. Despite this, demand for housing remains high, with over 500,000 mortgages expected to be signed this year, according to the Asociación Hipotecaria Española (AHE). However, the number of new mortgages signed in July saw the largest annual drop in 25 months, and lenders such as Bankinter and Banco Sabadell have increased their mortgage rates in response to the new interest rate scenario. The European Central Bank (BCE) is expected to raise interest rates further, which may lead to more families being priced out of the mortgage market.",
  "summary": "El mercado hipotecario español está experimentando un cambio de etapa, con las entidades subiendo los costes de los préstamos para adaptarse al nuevo escenario de tipos de interés. La alta de los precios de la vivienda, el frenazo de las compraventas y el avance del euroborr a 12 meses hasta niveles más altos desde agosto de 2024 están redefiniendo el panorama del mercado. Aunque la demanda de vivienda sigue siendo alta, con estimaciones de la Asociación Hipotecaria Espańola (AHE) de que este año se firmarán más de 500.000 hipotecas, como las cifras del pasado año, se espera una desaceleración en las nuevas subidas de tipos de interés, que ya se están reflejando en el precio de los préstamos.",
  "key_points": [],
  "editors_take": null,
  "illustration": null,
  "coverage": {
    "outlets": 1,
    "also_reported_by": []
  },
  "ai_generated": true,
  "disclaimer": "Summaries, key points and the editor’s take are written by software from other outlets’ reporting and may contain errors — always check the linked original."
}