MADRID, 24 April. (EDITIONS) –
More than 13 million households in Spain are in stressed areas and therefore could benefit from the rent limits of the future Housing Law, according to an analysis by Atlas Real State. The maps made from these data show almost 20% of the postal codes in Spain as stressed areas, encompassing 61.09% of households.
According to the agreement reached in mid-April by the coalition government parties with the independentistas Esquerra Republicana (ERC) and EH Bildu, the denomination of stressed areas will be expanded compared to the initial forecast. This will be declared when the average charge of the cost of the mortgage or rent plus basic expenses and supplies exceeds 30% of the average household income, or when the purchase or rental price of the home has increased by at least three points above the CPI in the five years prior to the declaration of the stressed area.
The consultancy Atlas Real State estimates that this could affect about 13 million homes. These would be within the postal codes analyzed for this study (in the absence of a more precise geographic definition) that meet at least one of these two requirements. They account for two out of every ten postal codes (20.83% of the total).
The results of the investigation are compelling, since 37.97% of households would be found in postal codes where the rental price would have increased three percentage points above the CPI and 48.01% would support an average cost burden of the home with expenses and supplies above 30% of the average household income. 61.09% of households would be located in places where at least one of these two requirements would have been met.
Thus, the percentage of population in a stressed area would exceed 40% in at least ten provinces. These percentages are higher in provinces such as the Balearic Islands (94.74%), Málaga (94.4%), Madrid (89.94%), Cádiz (89.94%) and Barcelona (80.07%). At the other extreme would be Valladolid and Palencia, with a population rate in the stressed area below 10%.
As the consultant clarifies in its report published in April, unpopulated areas “have weight at the zip code level, but not a real impact on homes.”
In the absence of an established definition for the costs of basic supplies, the consultant carried out a first analysis including them (for which it added a 10% cost to the rental price) whose data is reflected in the maps in this article.
But he also carried out another analysis without including expenses, so here the effort rate would only take into account the cost of housing, exceeding 30% of the average income. 40.18% of households in Spain are in postal codes where this happens, a percentage that again exceeds half of all households if those that at least meet this requirement or the rent increase exceeding three points are counted. percentages over the CPI.
The Balearic archipelago would continue to be the most stressed area (94.55% of households are in areas that meet at least one of these requirements), followed by Malaga (92.95%), Madrid (83.14%), Barcelona ( 75.22%) and Álava (74.72%).
