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Óscar Bartual Bardisa
Alicante
Viernes, 18 de octubre 2024, 07:25
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Finances have experienced an exponential rise from one year to the next in the province. Both individual deposits and loans have increased by over 30% in Alicante in the second quarter of 2024, compared to the same period in 2023.
The uncertainty of war conflicts has led citizens to prefer keeping their money in the bank, while the gradual decrease in interest rates has revived interest in mortgages and home purchases, boosting the granting of loans to individuals. This situation will only increase property prices as demand rises and supply remains minimal.
These are some of the reasons given by the Institute of Economic Studies of the Province of Alicante (Ineca) regarding the unusual situation experienced by finances in the second quarter of the year. A situation that has only occurred in the province, where they have grown between 30% and 40%, while in the rest of Spain it has barely increased by 5.4%.
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Óscar Bartual Bardisa
Data that surprised Ineca when presenting its Socioeconomic Situation Report, corresponding to the second quarter of 2024. The director of studies, Paco Llopis, admitted to not knowing why this surge occurred in Alicante and not in other areas and assures that finances have experienced 'an exaggerated increase' from one year to the next.
Just look at the data. Individuals have deposited 10,640.7 million euros more than in the second quarter of 2023, while they have requested credit for an amount exceeding 11,140 million euros, 36% more than the previous year.
Regarding the comparison between loans and deposits, loans are around 4,100 million euros below the latter in the province of Alicante. In fact, loans represent 91% of deposits in the territory, while the previous quarter the percentage was 80%. The ratio also improves substantially on the national scene, moving from 18th to 10th place in Spain overall from one quarter to the next.
The director of Caja Rural Central de Alicante, Jorge Morales, explained that, in the face of 'the situation of war and uncertainty', many prefer to keep their money in the bank. A reality that many companies replicate.
Morales assures that 'it has shocked us that this has happened in Alicante' and emphasizes that investment 'has also grown, it seems that everything is being used very prudently, there are no large investments'.
One of the situations that has most caught the attention of the Caja Rural executive is the number of companies requesting loan authorizations, a way that allows them 'to have them available whenever they want', without having already received the money and having it in the account.
In fact, Morales assures that many public entities are replicating this credit authorization model. They request significant amounts and 'have it authorized but do not deposit it', being able to access it during the next 12 months after the authorization itself.
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