The law was finally approved in August 2011, when some of its provisions entered into force, and others did in January 2012, although the implementation of the bulk of the reform, such as the of retirement age, was established on January 1 of 2013, already with the Government of Mariano July 2019 calendar Template. In 2019, as happened last year, the payrolls of retirees will rise with the CPI after the 0.25% increase established by the pension law applied the last five years, until 2018. The rise in pensions has already become a political battlefield in the General Budgets of 2018. The increase initially foreseen by the law of only 0.25% ended in an increase of 3% for minimums and 1.6 % for all others, following an agreement by the Government of Mariano Rajoy, the PNV and Ciudadanos. Those increases were those that, finally, the Government of Pedro Sánchez applied when the accounts were processed.
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This exercise will repeat the same operation. The CPI will once again be the benchmark for revaluation and the minimums will grow, again, by 3%. Amounts that, as happened in 2018, will be reviewed with the resulting prices at the end of the year.
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Industry experts predict an impending slowdown in rental prices and buying and selling. But the foreseeable thing is that its impact is greater in the lease. And, according to analysts and real estate consultants, in the case of rent, families have a maximum budget that they do not usually exceed.
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A limit that does not occur in the sale, since the impact of your payment can be blurred over time through the mortgage credit. According to Eurostat, 30% of the Spanish population has a mortgage.
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The effort to pay for this type of loan, in fact, is already growing. According to the last report of the real estate consultancy Tinsa, Spaniards spend an average of 17.2% of their family income to face the first year of mortgage.
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There are important geographical differences within this trend. The Balearic Islands (23.5%), Malaga (22.2%) and Barcelona (18.2%) are the provinces in which a greater financial effort is made. In Soria, Castellón and Palencia, by contrast, this indicator is around 12%.
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Despite this, there is a generalized upward trend. And in cities like Madrid and Barcelona the financial effort to pay the mortgage «e is reaching very high levels », according to the director of the service of studies of the consultant, Rafael Gil.
Before April 1, retirees will receive a payment that will compensate for the difference between what their payroll went up, by 1.6% July 2019 calendar Template, and the average inflation recorded between December 2017 and November 2018, which was 1.7%.