According to the report "Evolution of credit to productive activities in Spain by activity sectors", published by AIS Group (specialist consultant in credit risk management), the portfolio of loans to companies engaged in real estate activities fell more than 10,800 million euros between 2016 and 2017. This fall in credit to this segment means ...

The credit to real estate activities has fallen by 9% in the last year, almost 11,000 million euros

Real estate news Real estate loans have fallen by 9% in the last year, almost 11,000 million euros.

According to the report " Evolution of credit to productive activities in Spain by activity sectors ", published by AIS Group (specialist consultant in credit risk management), the portfolio of loans to companies engaged in real estate activities fell more than 10,800 million euros between 2016 and 2017.

This drop in credit to this segment represents a reduction of 9% in the portfolio, having gone from 120,805 million euros in December 2016 to slightly less than 110,000 million at the end of 2017. This is practically equivalent to one fifth of the total credit to companies, which in the last financial year was approximately 590,000 million euros.

The credit to real estate companies links and 8 years of continuous decline. So since 2009, the year in which this portfolio was the largest (323,000 million euros), the total credit drop is 66%.

The analysis of the variation rate reveals that the situation, in spite of continuing to be of negative growth, the rate of decline is slowing down compared to the worst years. Thus the negative rates of 25% and 20% that occurred in 2012 and 2013, have given way to some somewhat more moderate in the following years (between 15% and 10%), to be at 9% at the end of 2017, the first year in which the rate is below the 2 figures.

Regarding the delinquency rate, the loan portfolio to real estate companies registered in December 2017 an 18, 1% delinquency.

This is almost 7.5 percentage points of what it marked in 2016 (25.5%). In fact, this indicator has been in a downward trend for 4 years, since it reached its peak in December 2013: 38%. However, despite these good indications, it should be noted that the delinquency rate of the portfolio of loans to companies in the real estate sector was at the end of 2017 the second highest in all sectors of activity, second only to construction ( 24.1%).

READ MORE

Objections: valuation of the argument

When the salesperson answers an objection to the prospectus, he does so in certain circumstances, in order to achieve maximum efficiency in the treatment of the same. One of them requires knowing and applying well two propositions of contradictory appearance. The first is: Who gives value to the argument that exposes the commercial is the prospect ......

As of 2017, all websites must have installed the SSL certificate in order not to be penalized by Google

SSL Certificates Secure and trusted pages SSL certificates are necessary for any website that handles confidential information, as it will guarantee the security of data transmission when encrypted. What are SSL certificates and what is their function SSL is the acronym of the abbreviations in English «Secure Socket Layer» (or ......

Social networks for real estate followers

The success of the presence in social networks is directly proportional to the number of followers you have, as they will be the means to spread your messages and keep growing in followers. Content1 Professional and updated networks2 Capture your clients in the office3 Traditional advertising4 Advertising ads5 Where do I advertise? Professional networks and ......

Real Estate Photography Guide

It is already available in our section of Ebooks in free download our Guide of Real Estate Photography, realized with the collaboration of Inmopc and Your Real Estate Training. In it we emphasize the importance of improving the photographs of the buildings. There is a concept called "sensory marketing" that companies use in order to be original and ......