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From mortgage to eviction: Foreclosures and territorial vulnerability in Spain De la hipoteca al desahucio: Ejecuciones hipotecarias y vulnerabilidad territorial en España

Authors: Méndez, Ricardo;

From mortgage to eviction: Foreclosures and territorial vulnerability in Spain De la hipoteca al desahucio: Ejecuciones hipotecarias y vulnerabilidad territorial en España

Abstract

[ES] Las ejecuciones hipotecarias promovidas por entidades financieras que pueden conducir al desahucio inmobiliario se han multiplicado en España desde el inicio de la crisis económica. El crecimiento del mercado hipotecario en un contexto de desregulación está en el origen de un proceso que ahora expulsa anualmente a miles de familias de sus hogares y refleja los fenómenos de desposesión asociados a las crisis capitalistas. El objetivo del artículo es analizar el crecimiento y la distribución espacial de las hipotecas y las demandas de ejecución hipotecaria presentadas por los acreedores en 2001-2014. Se basa en los datos publicados por el >Consejo General del Poder Judicial>, que permiten conocer su evolución en ese periodo y muestran la profundización del desarrollo geográfico desigual. Los resultados confirman su mayor intensidad en los territorios que asumieron mayores riesgos por su especialización inmobiliaria y en las periferias metropolitanas donde residen los grupos sociales más vulnerables.

[EN] Foreclosures promoted by financial institutions which can lead to housing eviction have multiplied in Spain since the beginning of the economic crisis. The growth of the mortgage market in a context of deregulation is at the origin of a process that now thousands of families from their homes annually and reflects the dispossession associated with capitalist crises. The aim of this paper is to analyze the growth and spatial distribution of accorded mortgages and foreclosures filed by creditors in 2001-2014. It is based on data published by the “General Council of the Judiciary”, which allow its evolution over the period and prove the deepening of uneven geographical development. The results confirm its highest intensity in the territories that took greater risks for their real estate specialization and metropolitan peripheries where most vulnerable social groups live.

Keywords

Financialization, Foreclosures, Vulnerabilidad territorial, Spain, España, Ejecuciones hipotecarias, Desahucios, Evictions, Financiarización, Territorial vulnerability

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This indicator reflects the "current" impact/attention (the "hype") of an article in the research community at large, based on the underlying citation network.
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