Recently business tensions Fare war Is in danger of being launched by the United States (USA) Good predictions for this 2025 private consumption. The strength of the labor market and the growth of the available income points to a year marked by the increase in home expenditure after the regeneration of the 2024 savings rate. However, the uncertainty of flooding in the market, the acceleration of the costs, and the threatening movement in the past.
According to a study that ‘increased Spanish homes in 2024 by Kaisabank Research, which has advanced by economic information, was promoted to 2025 Labor strengthOvarian Already registered in 2024, and the respective transfer of the available income.
Especially, in the last year was a The number of salary increased Increase in wages by 2.8% and 7.7% (an increase of 4.7% of a worker).
This means a regeneration of 2024 Storage rate The cost of homes is expected to be expected for this 2025, with the moderate character of inflation, up to 13.6% of the available total income (12% of the previous year and an average of 8.6% between 2000 and 2019). In fact, in the last quarter of 2024, the growth of the total rental nomination has already been recorded for the first time.
Specifically, according to the data of the fourth quarter (without data accumulating), nominally available total income 7.2% year -in -Iyer, the same Cost of consumption The final has increased by 8.0%, which reflects the greatest energy of private consumption on real basis.
In fact, this consumption is the pull and the progress of the investment The main factors to improve 3.2% of the Spanish GDP in 2024The last year has become the most powerful economy of the Europe.
In turn, Spain’s bank has upgraded The growth of the Spanish economy From 2025 to 2.7%, employment and consumption is promoted by data, and after knowing the GDP released by the National Statistical Company (INE).
The motivation of the expected cost this year will lead to A Reduced storage rateIt can descend up to 13%. “It is pointful to see the savings rate in the context of the type of types after 2024,” from Kaisabank research, “with an increase in interest rates,” they indicate.
Therefore, families are expected to increase their consumption, considering the available income improvements, and at the expense of their savings, more money from expenses. However, if these forecasts are disconnected Uncertainty is promoted by the increase in business tensions They do not quench. From the center of the study they focus on the moderate nature of this uncertainty, which refers to the evolution of the indicators.
Other factors that contributed to the progress of income available in 2024
The market strength is combined with other basic factors that promoted the available income and savings rate. Families have also experienced 5.9% Increase in Year -Celebrity BenefitsThe increase in pensioners and 3.8%of pension is encouraged by reinstating.
In addition, savers are using high interest rates to profit their money A collection of EW and Other Investment Income.
All of this was able to compensate for the increase in the negative contribution of direct tax and payment community quotes.
By this, the Home financial power It increased significantly, from 44,597 million euros in 2023 to 74,413 million by 2024. 6,000 million euros, 6,000 million more than 2023, ”the analysis explains.
Records the largest increase in retired homes and high -income savings
By 2024, total savings reached 139.00 million euros, 26,000 million more than 2022, a Average balance of over 7,000 euros per household.
As far as premature period is the most beneficial by protecting growth Retirees And High incomeAccording to the previous study of the Kaisabank Risar.
