The total number of new mortgages granted on homes recorded in the land registries (from previous public deeds), stood at 17,137 in June, exceeding by 19% the figures for the same month in 2013, according to provisional data published this week by the National Statistics Institute.With June’s year-on-year growth, home mortgages move back into positive territory, after registering two consecutive months of negative rates (-13.4% in April and -3.4% in May).The average home mortgage value in the sixth month of the year reached 98,582 euros, which is 1.3% more than the same month of 2013, while the capital loaned increased by 20.5% year-on-year to 1,689.4 million euros.Month-on-month (June over May), the number of home mortgages fell by 4.6%, the lowest decline in this month in the last four years. The capital loaned for these home mortgages experienced a month-on-month fall of 5.2%, well below the 22% drop recorded in June 2013.In the first six months of the year, the number of home mortgages has fallen by 14% compared with the same period of 2013, with a decrease of 12.7% in the capital loaned and a 1.5% increase in the average mortgage value.The regions which registered the greatest numbers of home mortgages in June were Madrid (3,481), Andalucía (2,900) and Catalonia (2,435).In June, only three regions recorded lower numbers of new home mortgages than in the same month of 2013: Aragón (-19.3%), La Rioja (-5.8%) and Andalucía (-3.3%), while the rest recorded positive annual rates, with the largest being those of Galicia (+92.5%), Extremadura (+66%) and Navarra (+64.9%).Meanwhile, Europa Press reported that the regions where more capital was loaned for the constitution of home mortgages were Madrid (471.3 million euros), Catalonia (268 million) and Andalucía (238.9 million).The statistical agency’s data shows that a total of 26,519 mortgages were constituted during the sixth month of the year on rural and urban properties (homes are included within the latter), representing an increase of 10.9% compared to June 2013.The total capital loaned for these mortgages increased by 13.2% over the same month in 2013, to 3,190 million euros, while the average loan value amounted to 120,294 euros, which is 2.1% more than in June 2013.The average interest rate for mortgage loans on homes stood at 3.88% in June, compared with 4.26% registered a year earlier, while the average interest rate for all the rural and urban properties together stood at 3.94%, with an average term of 21 years.92.9% of the mortgages constituted in June used a variable interest rate, compared with 7.1% which used a fixed rate. The Euribor is the reference rate most commonly used in the creation of variable rate mortgages, specifically, in 87.9% of the new contracts.