The source adds that the study data "are obtained from information from Tinsa's databases which, with nearly 6 million valuation records, represent more than 25 percent of the valuations carried out in Spain."
The data correspond to the fourth quarter of each year, except in the case of 2016 (third quarter) and 2020 (first quarter).
* The figures prior to 2020 have been extracted from previous versions of the report.
Citation formats
Avg. % of income spent on 1st-year mortgage in Spain (2016-2020)
The statistics show the evolution of the net financial effort required to pay the first year of a mortgage in Spain between 2016 and 2020, based on the percentage of available family income allocated to it. In 2016, the payment for the first year of the mortgage required more than one-fifth of family income, and although this figure was considerably lower in the following two years, in 2019 and 2020 it returned to similar levels.
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Tinsa. (April 15, 2020). Evolution of the net financial effort to pay the first year of mortgage in Spain between 2016 and 2020 (in percent of available family income) [Graph]. In ÌÇÐÄÆƽâ°æ. Retrieved August 05, 2026, from /statistics/1654678/evolution-of-the-net-financial-effort-to-pay-the-first-year-of-mortgage-in-spain/
Tinsa. "Evolution of the net financial effort to pay the first year of mortgage in Spain between 2016 and 2020 (in percent of available family income)." Chart. April 15, 2020. ÌÇÐÄÆƽâ°æ. Accessed August 05, 2026. /statistics/1654678/evolution-of-the-net-financial-effort-to-pay-the-first-year-of-mortgage-in-spain/
Tinsa. (2020). Evolution of the net financial effort to pay the first year of mortgage in Spain between 2016 and 2020 (in percent of available family income). ÌÇÐÄÆƽâ°æ. ÌÇÐÄÆƽâ°æ Inc.. Accessed: August 05, 2026. /statistics/1654678/evolution-of-the-net-financial-effort-to-pay-the-first-year-of-mortgage-in-spain/
Tinsa. "Evolution of The Net Financial Effort to Pay The First Year of Mortgage in Spain between 2016 and 2020 (in Percent of Available Family Income)." ÌÇÐÄÆƽâ°æ, ÌÇÐÄÆƽâ°æ Inc., 15 Apr 2020, /statistics/1654678/evolution-of-the-net-financial-effort-to-pay-the-first-year-of-mortgage-in-spain/
Tinsa, Evolution of the net financial effort to pay the first year of mortgage in Spain between 2016 and 2020 (in percent of available family income) ÌÇÐÄÆƽâ°æ, /statistics/1654678/evolution-of-the-net-financial-effort-to-pay-the-first-year-of-mortgage-in-spain/ (last visited August 05, 2026)
Evolution of the net financial effort to pay the first year of mortgage in Spain between 2016 and 2020 (in percent of available family income) [Graph], Tinsa, April 15, 2020. [Online]. Available: /statistics/1654678/evolution-of-the-net-financial-effort-to-pay-the-first-year-of-mortgage-in-spain/
