The official statistics reflect an apparent stabilization of the housing ’. The experts claim that demand for flats will continue to grow and confirmed that it is a good time to invest by the attractive ’ profitability. However, warn of the possible rise of the Euribor ’. Discount to do so in the short term but warn of the danger that there will be when they start to do.

In general lines, experts and stakeholders in the real estate sector held the signs of optimism that ’ begin to see clearly. But some voices are clear that it is not gold that glitters, and that you should go with feet of lead in order to avoid to occur another real estate bubble as the experienced.

Experts such as Ignacio San Martín, responsible for the ’ service BBVA studies Real Estate, or Juan Fernández-Aceytuno, Director general of ’ ST Company valuation, point out four factors that demonstrate that the property sector is ’ is stabilizing, and even, recovering:

1.- The demand for housing ’ will continue to grow: San Martín ensures that the families income in real terms is growing, which will favour the demand. In addition to, the wealth of the families ’ has stabilized. You also have to count not only with national demand, but also for foreigners. Believes that this year will produce a new record of buying on the part of foreign.

2.- The ’ ’ excess supply will drop: Although slowly, the ’ stock was gradually reducing. The Ministry of public works is the ’ surplus ’ in 563.908 units in 31 December 2013, While BBVA Research the figure in 450.000, of which considered that a 30% are invendibles. This financial institution is confident that for the 2016 the ’ stock ceases to be a problem and you start to really absorb it.

3.- Stabilization of prices and even revaluation: BBVA says emphatically that the price of the ’ housing is stabilized and ’ dares to predict price revaluations this year. Sant Martí notes that the new growth of the demand for housing and ’ ’ stabilization of prices will cause the mortgage portfolio of the banks win in quality. “If the ’ rise in demand brings with it an increase in the funding and a stabilization of prices, This will improve the credit quality”, Add.

4.- Increase in the granting of mortgage ’: There is a return to mortgage financing, especially for individuals who want to buy a home. The banks have the need to give loans to increase earnings by interests of mortgages. In the current ’, the mortgage balance is falling and will continue to do so in the coming months if it is not that the banks stepping the accelerator ’ in the granting of mortgage loans.

But not all are positive news. If something has to worry about in this sector is a Euribor at historic lows. For the person you think about mortgage today, you have to keep in mind that the ’ Euribor, the ’ indicator used for the calculation of mortgage loans, has the entire route to climb.

For example, Adicae is one of the organizations that recommended not mortgaged today because “is a risk of non-payment ’ in the future”. The ’ Euribor is below but how much start up will cause the mortgage payments are high, as it spreads remain elevated with respect to the ’ era pre-crisis. “A superior interest at euribor plus a difference already represents a large increase. Above ’ Euribor + 2 It is dangerous “, make sure Manuel Pardos, ’ President of Adicae.

That's why there are experts like Juan Villén, responsible for ’ idealist mortgages, We recommend taking out a mortgage to a fixed rate so that you know what you pay every month. At the beginning of this year ’ Kutxabank launched a mortgage with a fixed rate of 2,5%.