Banca privada y vivienda usada en la ciudad de Madrid

Abstract

Este trabajo se publica bajo una licencia de Creative Commons Reconocimiento-NoComercial 4.0 Internacional. Para citar este artículo: RESUMENEl número de viviendas usadas en poder de los bancos ha aumentado de forma notable en los últi-mos diez años como consecuencia de la crisis económica e hipotecaria. El considerable incremento del paquete de activos tóxicos inmobiliarios (más del 36% entre el año 2012 y 2015) procede, en buena medida, de los impagos a la banca por parte de las familias. La ciudad de Madrid es una de las poblaciones más afectadas por este fenómeno, en la que se acumulan los desahucios día tras día. El presente estudio cuantifica y analiza, a través de la información que facilitan las inmobiliarias de las cinco principales entidades bancarias del país, esta bolsa de viviendas de segunda mano en la capital española. La localización de las mismas dentro del núcleo urbano permite conocer el grado de afectación por distritos. Por otro lado, nos hemos servido de la base de datos socioeconómicos de la Administración Local para determinar la incidencia social del posicionamiento de la banca privada. El análisis espacial a través de Sistemas de Información Geográfica ha revelado comportamientos anómalos de la banca en relación al mercado de compra-venta de viviendas usadas en la ciudad de Madrid.Palabras clave: Activos tóxicos inmobiliarios; Crisis económica; Desahucios; Entidades bancarias; SIG; Vivienda usada; Madrid. ABSTRACT Private banking and second-hand housing in the city of MadridThe number of second-hand homes held by banks has increased significantly in the last ten years as a result of the economic and mortgage crisis. The considerable increase in the toxic real estate assets package (more than 36% between 2012 and 2015) comes largely from banking defaults by families. The city of Madrid is one of the municipalities most affected by this phenomenon, in which evictions accumulate day after day. This study quantifies and analyses, through the information provided by the real estate departments of the top five banks in the country, this housing pool of second-hand homes in the Spanish capital. Their location within the city allows a knowledge of the degree of affectation by districts. Furthermore, we used the Local Administration' s socio-economic database to determine the social impact of the positioning of private banking. The maps produced by means of Geographic Information Systems have revealed anomalous behaviour of banks in relation to the second-hand housing market in the city of Madrid.

Identifying the Socio-Spatial Logics of Foreclosed Housing Accumulated by Large Private Landlords in Post-Crisis Catalan Cities

“…Other researchers working in this field have used alternative data sources to overcome the limitations of the open-access official data. They have done this by using such techniques as scraping advertisements published on the housing websites of real estate companies linked to main Spanish banks [11,15,32,35] and directly extracting data manually from primary sources in each specific judicial district site [33,36,37].…”

“…In addition of studies on the spatial clustering of foreclosures, other have analysed their contribution to: multiple deprivation [23], deterioration of public health [24], forced displacements [25], racial segregation [26], increases in crime rates [27], and the falling of housing market values [28,29], among others. There is also a growing literature on the spatial logics of foreclosures and evictions in Spain (e.g., [12,22,[30][31][32][33]). There are various studies based in cities in Ireland [34], Greece [13], among others.…”

Foreclosures and Evictions in Las Palmas de Gran Canaria during the Economic Crisis and Post-Crisis Period in Spain

“…It is estimated that around 30% of these properties derive from dispossession processes (not necessarily judicial ones). This fact has given rise to a series of geographical studies on the cities of Lleida [28], Tarragona, Terrassa and Salt [29][30][31], Alicante, Murcia and Zaragoza [32]; Madrid [33] as well as the total of housing properties owned by SAREB in all Spanish municipalities [34]. With a similar approach, some insights offered from other fields are also worth mentioning, as is the case of Raya [35], whose research focuses on the autonomous communities of Madrid and Valencia.…”