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Euribor mortgages more expensive about 60 euros a month and will continue to rise

Euribor punish again mortgaged. The subject index to most of the credit on Thursday marked a new high (2.128%) and closed the month with a new record, 2.083%, the highest monthly average since February 2009. With these data and failing to close one day in April, and experts estimate a rise of 60 per month on the mortgage (about 720 per year).
The picture, however, can worsen even more by the end of the year . Analysts estimate that 2011 closed with an average rate of 2.5%, four tenths above the current data. Something that does not lose sight of the experts to see what time way to really affect this rise to the English families.
The English Mortgage Association ruled that increases in mortgage payments in the short term may affect the payment capacity of households, while recognizing that the effects themselves will be "very negative" medium term. For its part, the General Association of Consumer (ASGECO) recalled that since the beginning of the economic crisis in Spain has produced 200,000 foreclosures again called for urgent measures to indebted households. Caen

credits

Meanwhile, mortgage lending continues to fall. According to data released by the National Institute Statistics (INE), last February there was a decrease 8.8% over the same month last year. The 50,361 mortgages were signed did so with an average amount of 122,749 euros, 4.1% higher than February 2010.
savings banks (50.8%) were granted more credit entities, followed by banks (37.2%) and others (11%).

affects 9 out of 10 credits

Last February, according to INE data, 91.1% of mortgages were signed did so with the Euribor, which live outstanding million English month as benchmark. The average interest rate included in the constitution of those mortgages was 3.71%.




Source: 20minutos.es

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Housing: Families that have improved energy efficiency in their homes save up to 70%, according to AI

Families who have done work in their homes to improve energy efficiency have saved up to 70% in the bills energy dependent, as explained by the Secretary of State Housing, Beatriz Corredor, the presentation of the foundation 'The house that saves. "


In this regard, stressed that we must inform citizens about the need for energy saving in housing, as this type of improvement or rehabilitation works "are not a luxury, but are an investment that will mean a future savings.


also believes that lack of awareness Corridor by the public who know what level of energy efficiency in buildings, which are, according to the president of 'The house-saving', Javier Fernández Campal "where is the largest energy consumer. "


Campal According to Fernandez, the problem is that the energy lost is not, therefore, in his view, the first step to achieve energy savings in homes is "better isolate", which leads to a reduction in energy demand.


also points out the direction and design as two important aspects in getting a house "save" and adequate ventilation and use of sustainable materials.


However, since "there is no legislation in this sense, "Fernandez Campal proposes that new buildings are made according to these criteria, which, according Corridor, is a matter which the Government is taken with" utmost seriousness "and that the construction sector" is and conscience. "


However, the president of the new foundation, he stressed the need to rehabilitate the English housing stock, because" most of the buildings were built decades ago without energy efficiency criteria "so that, in his view, are buildings that" have great potential savings.


Therefore, the foundation will conduct a survey to citizens about what they know energy efficiency, and proposing to the Executive a "new Building Technical Code (CTE)" and regional audit on the development of energy labeling of buildings.


This last point is important because, according to Fernandez Campal, "only seven regions have implemented the Official Register of Energy Performance of Buildings", a certificate that offers a "written assurance" that reveals the energy performance of housing.






Source: Europapress

Front Of Throat Hurting

Corridor report that hundreds of thousands of Spanish families at risk of losing your home

Hundreds of thousands of families in Spain are at risk of losing their homes, since about nine million people live in poverty and many of them without legal support or access to information to enable them to assert their rights, warned on Wednesday Amnesty International (AI).


This alarming situation is contained in the document "Rights to the weather. Barriers to enforce economic, social and cultural rights in Spain" presented at a press conference at the headquarters of the organization, the director of Amnesty International in Spain, Esteban Beltran.
The event has also participated Javier Rubio's attorney, represents several families living in settlements in the Cañada Real Galiana (Madrid), which has been accompanied by Irene Muñoz, legal adviser of the Confederation of FEAFES mentally ill.


According to Esteban Beltran, the deprivation of access to people with decent housing and a universal public health are examples of "human rights violations" in the same draft that the lack of freedom or expression.


Besides the problem of the progressive housing foreclosures and evictions in Spain, the director of AI-Spain has reported that nearly 200,000 people lack health coverage public simply because he did not receive the unemployment benefits or not having ever worked with.


The speakers at the event have warned that many poor persons in Spain are also "helpless" legally, since there are no laws to support them.


addition, according to Beltran, these people are "invisible" from a statistical point of view, since there is little official data on poverty, number of people evicted in Spain.


helplessness and ignorance regarding the possibility of obtaining redress for damage resulting from infringement of rights is worse in the most socially vulnerable groups such as children, the elderly, immigrants, battered women , etc.


For example, according to data provided in the press conference, more than 800,000 people in Spain are illiterate, and of these, seven out of ten are women.


According to the interveners, the lack of data or excessive technicality and opacity in language to report certain basic services to the citizens become easy prey for abuse.


Hence the need for a law in Spain to regulate access to information, as exists elsewhere in the environment, Beltran has said.


poorly protected Rights
He added that even the English Constitution grants to economic, social and cultural rights, except education, the same degree of protection over other rights.


These rights are seen as guiding principles dependent on specific laws, with the problem of not being collected by the laws of the various administrations
The press conference also mentioned settlements the Cañada Real Galiana in Madrid, where supposedly living between 25,000 and 40,000, which could be evicted from their homes "without any guarantees," the lawyer has warned Javier Rubio, legally responsible for some of these families.


Rubio recalled the famous case in the Cañada Real de Abdelilah Ghailan, who was knocked down his house in 2007, "without the family could even pick up their goods, and in the midst of violent incidents with the involvement of municipal police and riot.


He added that this is not the only case of successive settlements in Spain, as there are others, like the district of Sant Martí (Barcelona), where Galician-Portuguese family dedicated to collect scrap metal have been adapting over the years in various unused buildings and sites.


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The market is locked, the owner is not low, the buyer expects better

-Of the 900,000 unsold homes, 210,000 are held by the bank.
"The housing prices will fall a further 7% by the end of 2012.
-Bankinter is expected that the first price increase is no longer seen in 2013.


The housing market is blocked. There are various reports that are suggesting. A study of Bankinter it stresses: "The housing prices continue to lock in a certain situation because the owners do not sell below an acceptable price and buyers wait for an opportunity arise better in the fall cycle.
Thus, although the 'stock' of homes fell by nearly 2% in 2010, for the first time in six years, there are 685,000 homes that are still pending buyer, to in addition to other 210,000 in the hands of the bank, a real bag of about 900,000 homes will put downward pressure on prices.


This circumstance has come to add the forecast interest rate rises , which discounts the Euribor and therefore hinder the access to mortgage credit, which remains "stuck".


In this context, Bankinter provides that property prices fall by between 1% and 1.5% quarterly rate until late 2012, with a further fall of 7%, completing an adjustment of 20% from their peak.


2013-2014: reactivation and recovery of the sector
Only the recovery of the economy and employment in the closing stages of next year relaunch housing demand at a rate of 350,000 homes annually, and together with the normalization of credit, will attend a stabilization of prices in these last months of 2012.


The bank estimated that the first increases in average prices of properties reveal ourselves in 2013 and only then open the door to the revitalization of residential activity in 2014.


The report notes that, currently, the supply of completed homes reached equilibrium with the final demand in a range of between 200,000 and 220,000 homes. This is explained by the rise of trades motivated by tax changes in 2010 and also by the slowdown of housing starts.


Bankinter means that, taking into account estimates of population growth and training of new homes remain constant, improving the economic situation will stabilize at 360,000 housing purchases in 2013, the structural level of housing demand in an economic standard.


Source: 20 minutos.es

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opportunity MORTGAGES: Divorced Couples must pay half the mortgage and not according to your salary

The Supreme Court (TS) has established that the payment of mortgage payments contracted by both spouses to acquire the family home is a liability of the conjugal partnership (ie, the salary of each) and not a burden of marriage, so that in case of divorce should be paid equally between them.

This is indicated by the Civil Division of the High Court in a ruling, which agreed to set doctrine as there is conflicting jurisprudence about the provincial courts.

explains the decision, which has lectured the judge Incarnation Roca, these fees must be paid equally between the spouses owners until it has proceeded with the liquidation of the conjugal partnership.

In this resolution the Supreme Court upheld the one man against the decision of the Audiencia Provincial de Valencia, which agreed that taking into account the income of each of the parents he had to pay 80% and 20% women.

The Supreme Court annulled this decision now as regards the distribution of shares to pay the mortgage.

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Housing: The government reduced by 7.6% storey building floors

In January 2011, completed construction of 361 homes in Spain promoted by government, representing a decrease of 7.6% compared to the same month last year (391 units).
front of the public initiative, private developers completed construction of 13,446 homes in January, 97.3% of the total. Thus, those promoted by the government represent only 2.6%.


According to the Ministry of Development, compared with December 2010 (419 units), boosted by housing authorities public show a decline of 13.8%.


autonomous Catalonia was the most active, with 93 homes completed promoted by the government.


Behind fall Galicia (with 66 houses), Basque Country (60), Murcia (52), Andalusia (41) and Castilla-La Mancha (37).


Meanwhile, in Valencia 6 public housing were completed in Castilla y León the figure was 3, and Aragon, Extremadura and Navarre completed only 1 in each region.


Development Notably this month does not provide data for the Community of Madrid, which last year completed the construction of 108 floors of the administration. Nor are the data of Asturias and La Rioja, although in these regions in January 2010 was not completed any public housing.




Source: 20Minutos.es s

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Buy 'blind', the risky real estate bargain of the moment

Customer: "Hi. I visited an Internet ad in a flat is for sale in Madrid Chamartin area, more especially in Santo Domingo. It costs 360,000 euros. When can I get close to him? ". Realtor:" No, you can not see. "Q.:" How come you can not see? ". I.:" It belongs to a bank. "Q:" How am I to buy a house without seeing it? "I." It is a condition. Therefore, the price is so low. "Real conversation" first contact "between a potential home buyer and the head of an estate agent. If you also are looking for home, you may encounter the same situation. What does it mean?


The economic crisis, focusing primarily on real estate, is turning the housing market to almost grotesque extremes. The latter, home sales 'invisible' by financial institutions. They have hung the sign 'for sale' a story that already belong to them legally, but which do not have the keys. Potential buyers can not see them. These real estate transactions 'blind' and involve high risk and counterparty juicy prices.


These homes have been baptized as 'property without possession ' . Translated into the language of the street, property seized and awarded to the bench after a judicial sale pending acquisition by financial institutions. Banks and savings banks, urging the time factor, have not hesitated to make a special niche in this new segment of houses in their windows. This is the case CatalunyaCaixa that on the website of its subsidiary real estate - Real Estate CX - has opened a tab to 'property without possession ' specifying that " keys have not yet ".
March 2011. Second is contact between the same property and the same customer, but now called the seller. Realtor: "Hi. Are you called to ask about the Santo Domingo apartment of 80 square meters, three bedrooms and two bathrooms a few months ago, right? ". Customer:" Yes, that is. "I." Are you still interested? Please note that the price has dropped to 310,000 euros. Yes, still can be seen. "Q.:" So I say the same thing for months. How can I buy my future home without having seen it before? Just as an investment I think I might venture to acquire, but in my case, to live, no. Thank you very much. "


With this practice of sale of flats" invisible ", seek to ease financial institutions as soon as the great slab which is already implemented in the real estate on their balance sheets . Before, even, have of actual possession, which is a matter of time, but whose evictions can sometimes be spread over more than a year. As a great hook to attract buyers, these assets "being held" in the hands of banks coming to market at much more than interesting.
A hook-shaped high-risk bargain which undoubtedly also pays off. "They are always second-hand from judicial adjudication. Some of these houses are sold, but not the most demanded product " , CatalunyaCaixa specify from where this type of real estate and now represent 12% l of its total property portfolio . Catalan The box says that the purchaser of such property is usually someone who knows the house as a neighbor, "who assumes the possible state of the same." " domestic investors, individuals, families and neighbors," lead plaintiffs in this market.


When purchasing these homes 'invisible' from CatalunyaCaixa indicates that a contract is not signed regular sale, but a document that "provides for this exception" special and the delivery of housing " depends on each case and even in the autonomous region, the agility of the court to manage the judicial office. " The institution encourages potential interested in buying a house that "do not hesitate to look for these houses and that is where the best deals can be found today," .
From the legal point of view, counsel Itzíar Echeandía Echeandía clearance and fry, advises those who opt for a home access through this new formula previously let a professional advise. "The risks to which it exposes the buyer is that the occupant of the property with a certificate entitling her to reside there as it could be a lease," says Echeandía.
the preceding situation, says Echeandía, " the new owner of the house would be obliged either to wait until the lease expired, a period that could stretch up to five years, or to attempt early resolution prior compensation to the tenant or, if necessary, wait for it fails to fulfill any of its contractual obligations, as would be the payment of income-which would give rise to urge the contract termination. "




Source: Mundo.es

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The deduction for rehabilitation of housing up to 20% and extends to second homes

The Government will increase from 10% to 20% income tax deduction for rehabilitation housing, which also extend to second homes, as announced on Wednesday the executive vice president, Alfredo Perez Rubalcaba.


In the press conference after the Council of Ministers, Rubalcaba said that this measure seeks to promote job creation and improve the English housing stock in areas such as energy efficiency. He noted that, since the modification of a decree-law, the measure will be included in the decree-law on the employment plan outcrop that the Government plans to pass in the Council of Ministers of April 29.
also stressed that the unions believe that this is a good initiative to create jobs, and noted that the rehabilitation of homes "benefits everyone", so it is necessary to "give a push." The deduction for improvement works in the residence was established under the Legislative Decree of measures to boost economic recovery, resulting Zurbano Pact between the Government and social partners, and involved a reduction of 10% of amounts invested works and repairs to an annual ceiling of $ 4,000 per taxpayer.


could apply the full deduction taxpayers with a taxable income of less than 33,007 euros, a threshold that now extends to EUR 53,007.20, as recorded in the reference of the Council of Ministers. These reductions will lower gradually as a function of the tax base of taxpayers, to reach 71,007.20 euros, the new top to benefit from this stimulus.
Until December 2012
The reform also increases the maximum annual deduction base, which rose from 4,000 euros to 6750 euros, which, according to the Executive, means the maximum annual deduction that can benefit a taxpayer will be 1,350 euros. In addition, increases multi-year maximum deductible limit the volume of the work of 12,000 to 20,000 euros.


This measure will apply only to works made until December 31, 2012, and may be carried out in second homes, including those offered for rent - with the exception that they are not related economic activities of the taxpayer.


These works should be targeted at improving energy efficiency and water use, access to housing and infrastructure installation of Internet access or digital terrestrial television (DTT) and to enjoy the income tax deduction will need to submit a detailed invoice with all legal requirements. The payment methods are limited to cards or wire transfers, checks or income into account, as no cash payments accepted.





Source: 20minutos.es

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not buy more houses and, in any case , negotiate the best prices to encourage buying flats would drop "dramatically" the proposed price Facua

Facua spokesman, Consumer Action, Ruben Sanchez, has called on consumers not to buy more houses or In any case, to negotiate the best prices to cause a decline "much more radical" which, in his view, the sector refuses to apply for their profit margins
Sanchez said that the drop of 2.5% of private housing on the end of 2010 still is "ridiculous" and shows that the sector is willing to "maintain profit margins typical of the years of the 'bubble' property."


In his opinion, that price drop "will only lead to consumers not buying new homes." "That consumers forget the offers of large price declines because they are so great," he added.


As he argued, prices housing have come to triple during the years of boom and now "only 5% down, 10% or 15%."
"It takes a much more radical decrease," he said, before apostille "The consumer is not buying and haggling press a lot, especially in old housing."

On the other hand, the spokesman Facua loaded against the Government for sending messages "triumphalist" and make appeals to buy "blind to help a sector that does not deserve to be helped." "The greatest disservice you can do the rulers is that housing is affordable," said .


Source: 20minutos.es

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rental housing at Easter

The cost of renting a holiday home in Spain for Holy Week, from 20 to 24 April was 22.7 euros per person night. The five provinces where rent this Easter than this average are Madrid (37.7 euros), Sevilla (37 euros), Canary Islands, as a whole "(32.2 euros), Barcelona (31.9 million) and Guipúzcoa (30.4 euros).
As identified in the study by Rentalia (search apartments and holiday homes), among the cheapest destinations for these days are Murcia (15.1 euros), Navarra (15.8 euros), Soria (16.5 euros), Castellón (17.2 euros) and Lugo (17.2 euros).


In the other provinces with prices ranging from 18 to 26 euros per person per night. In the highest rank displayed Baleares (25.9 euros), Cáceres (25.4 euros), Guadalajara (25 euros), Valencia (24 euros), Lleida (23.7 euros), Manchester (22.6 euros) Córdoba (22.4 euros), Segovia (22.3 euros), Granada (22.1 euros) and Zaragoza (22 euros).


are followed Salamanca (21.9 euros), Asturias (21.7 euros), Cuenca (21.7 euros), Avila (21.7 euros) Cantabria (21.6 euros), Alicante (21.5 euros), León (21.2 euros), Huesca (21.1 euros) and Teruel (21.1 euros).


Below are Jaén 20 euros (20.8 euros), Girona (20.5 euros), Cádiz (20.4 euros), Burgos (20.2 euros), A Coruña (19 , 8 euros), Pontevedra (19.5 euros), Tarragona (19 euros), Huelva (18.5 euros) and Almeria (17.8 euros).
Zaragoza and Navarra, 96% occupancy
Regarding employment data, the interior provinces of the list head rubbing 97% in some cases. Lead the ranking Zaragoza (96.2%), Navarra (95.3%) and Soria (92.7%).


In general, rural tourism has the highest occupancy rate this Easter, with an average occupancy of 76% compared to 38.6% in the houses of the coast.


The study was conducted over 94,774 vacation homes in Spain and a sample of 10,492 households with published prices, with a margin of error of 0.9%.


Source: 20minutos.es

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The price of private housing fell by 4.7% in the first quarter

The first quarter of 2011 has returned to take another bite of the house prices. Square meter of private housing was a fall of 4.7% in the first quarter compared to the same period in 2010 while on month decline was 2.6%, one of the most serious of recent years. From its peak in March 2008 the price per square meter collects a drop of 15.4%.


According to statistics from the Ministry of Development, the square meter of private housing was paid in the first quarter to EUR 1777.6.


to official statistics, based on the data provided agency employers appraisers, Atas, also reflects a significant fall of 51.5% number of homes priced up to March compared to those taken into account in the previous quarter and 46.4% less than a year ago, a fall attributed Development "the decline in housing production in recent years."


all communities are depreciated
For communities, the largest price declines occurred year on year in the Community of Madrid (-8.9%), Navarra (-8.3%) Cantabria (-7.0%) and Valencia Community (-6.3%).


On the opposite side, Ceuta and Melilla (-1.4%), Extremadura (-1.5%), La Rioja (-2.3%) and Aragón (-2.7%), marking the smaller decreases. In Catalonia, the house has fallen by 4.5%.


Thus, the overall rate of housing price (free and protected) recorded in the first quarter of 2011 decreased by 4.6% over the same period of 2010. The annual change was -2.5% MoM.


For free housing for more than two years, the price reached 1764.8 euros per square meter, down 5.3% annual rate.


Madrid, 900 euros less per meter
compared with data caps three years ago show that all major English cities, with the exception of Sevilla, have fallen more than the state average:


Barcelona: 3802 (March 2008) --- 3103 (March 2011) - 18.38%
Madrid: 3842 (Mar. 08) --- 2921 (Mar. 11) - 23.9%
Valencia: 2475 (Mar. 08) --- 1719 (Mar. 11) - 30.55%
Bilbao: 3,741 (Mar. 08) --- 2863 (Mar. 11) - 23.46%
Sevilla: 2,454 (Mar. 08) --- 2092 (Mar. 11) - 14.72%
Málaga: 2366 (Mar. 08) --- 1765 (Mar. 11) - 25.37%
Zaragoza: 2,732 (Mar. 08) --- 1914 (Mar. 11) - 29 92%
Alicante: 2,002 (Mar. 08) --- 1,295 (Tues 11) - 35.32%




For municipalities with more than 25,000, the highest prices were in San Sebastian, 3762.3 euros/m2, Sant Cugat del Vallés, euros/m2 3282.6, 3224.3 euros/m2 Getxo, Barcelona, \u200b\u200b3103.5 euros/m2, Pozuelo de Alarcón, EUR 2964.0 / m2 2921.0 euros/m2 Madrid.


The price lowest recorded in the municipalities of Hellin, 759 per m2, Tomelloso euros/m2 782.9, 843.4 Petrer euros/m2 and Elda, 845.9 per m2.






Source: Mundo.es

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Housing: Novacaixagalicia cut 386 of its flats by 21% on average

Novacaixagalicia Real Estate Group has reduced by an average of 21.45% the price of 386 apartments in its portfolio of resale properties for sale. The subsidiary of the bank seeks to facilitate the sale of assets, as reported in a statement.


In 2010, notes in the note, had revenues of more than 148 million euros from the sale of 1,289 properties (houses, garages, storage). These figures represented an increase of 393% and 370% of those obtained in 2009, respectively.


The entity has indicated that the most common type of floor between the buildings to which rebate is applied to primary residences, three or more bedrooms and less than 150,000 euros. The homes are available on the web escogecasa.es.


addition, the association offers the possibility to finance up to 100% of selling the property, to a term of 40 years. The apartments are located in 36 provinces, from 14 autonomous communities. 90% of the floors are of primary residence, while the remaining 10% for second homes or vacation.


Novacaixagalicia stressed that the housing market operates through three companies: PROINOV, Adapa and CXG Real Estate Group. In total about 1,924 homes for sale through its web escogecasa.es. 80% (1,538) are associated with promotions for new buildings under construction or recently completed and the remaining 20% \u200b\u200bowned homes.

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The Supreme declares void clauses that increase the rent subsidized housing accommodation

The Supreme Court (TS) has established, in a ruling last March 25, which are null and void clauses that establish an income above the maximum allowed by law in housing leases subject to the system of subsidized housing (VPO).


This case law is established in a decision of the Civil Division of the High Court. The Board considers an appeal by a tenant who was evicted for nonpayment of rent had been agreed with the owner of the apartment, after realizing that exceeded the maximum set 210 euros by the regulations for public housing.


In this case, referring to a home located across the street from the diligence of Madrid, the owner and the tenant agreed a rent of 660 euros. While the tenant subsequently realized that this price was higher than the 450 euro set in the legislation governing this type of housing.


The owner then broke down the amount of income into two parts. On the one hand the rent (while maintaining the maximum set by law) and the rest as furniture and appliances, but the tenant did not agree. Finally, the situation ended in an action eviction which was rejected by the Court of First Instance No. 69 in Madrid, but supported by the Provincial Court
The Court of Madrid had given reason to owners in March 2006, considering that the rent had been determined by agreement of the parties at the beginning of the contract. And, although the tenant had not accepted this amount at the time attempted to formalize in writing (to be higher than legally required for the VPO), this does not deprive the rent agreed to his condition. So that ground that the tenant does not pay the full amount from three years ago, came the eviction.


Now the TS repeats on the effects doctrine can be attributed to a contractual clause that set a rent above the permitted administratively.


is not "legally or ethically sustainable '


In a sentence which has lectured the president of the Civil Division, Juan Antonio Xiol, the high court notes that the First Additional Provision of the Urban Leases Act of 1994, cancels the contracts that exceed the maximum income allowed under the applicable administrative rules. This implies that, after entry into force of this law, "no is ethically or legally sustainable "support two types of leases covered in a permissive law.


Since it is undisputed that, in this case, the agreed rent was higher than the legal maximum, a clause like the covenant is null and binding upon the parties to accommodate the income projections in the Leasing Act itself "with the return of the overpayment." It Considers that the Supreme Court of Madrid "erred" in finding that the tenant breached its obligation to pay.




Source: MUndo.es

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: La Sagra, a sea of \u200b\u200bcheap flats for Madrid never moved mileuristas

The Real Meco, in Illescas (Toledo), has more homes in the pipeline than it can sell in the next seven years, more than 500. "Here we can choose those that seem to be marketed better," said Jesus Diaz-Meco, its owner. In his office are the rosy future. "The worst has passed. Now there are many vacant homes but end up selling most of them. There is a clear competition with Madrid, but we won on price and quality."

Toledo is the third province in Spain with more new flats for sale per capita, behind Alicante and Almeria, with nearly 40 new homes for sale for every 1,000 residents, according to the Ministry of Development. In the thirty municipalities in the district of La Sagra installed one of the largest concentrations of apartments and villas for sale in Spain, the region of 700 square kilometers and gently undulating plain, only 35 kilometers far from the Puerta del Sol de Madrid ( and 10 miles from Parla), and although experts in the field say the number of real estate is "incalculable" after the building frenzy sparked six years ago, its proximity to the metropolis could prevent the total decline of the area.

"I am absolutely convinced that, as in other parts of Spain there are a lot of housing that is not going to sell, the La Sagra is one of the first that will emerge, "he says without blinking Jesus Jimenez, Look & Find franchisee in Yuncos

The Galician Fadesa, Manuel Jove then to the front, which opened late nineties the trunk of opportunities to urbanization Lordship of Illescas, right in the regional boundary with Madrid, where he built a golf course for nine holes.

Today, real estate signs are already blurred and the old house is gone. Everything else: rows of townhouses, offers four floors of flats, many with the blinds drawn and signs 'for sale', are later and the crisis has left means many projects and vacant lots interspersed.
And yet, for professionals in the area, the Manor is far less similar to others 'megabarrios' distant from large cities and Valdeluz (Yeles-Guadalajara) or Quinon (Seseña-Toledo). "Around here the buses, there are schools and churches and busy between 60% and 80%," they say.

30 municipalities
As in Illescas, other places like Yuncos, Yeles, Recas, Numancia de la Sagra, El Viso de San Juan and Seseña now accumulate much of this 'stock', where prices have fallen up to 60%. The region is full of quotes. "The houses that are selling are two and three bedrooms. Interestingly, the most difficult to sell are the studios and one bedroom, "says Diaz-Meco.
His is one of the few that survived the downturn in sales and now as CajaMadrid financial institutions choose to use them to locate houses that they paid the promoters made it ruined. "We act as custodian of your floors: we leave the keys, we provide all necessary information for sale. If they sell them on your own we also carry a commission, "said Diaz-Meco. The case of Madrid, La Caixa, BBVA and Ibercaja financial institutions are more stories to the cumulative sales or at least the kind that are most exposed in their estate portals.

In an area where it produces 25% of the production of bricks and tiles from Spain, an industry that creates 2,000 jobs and 10,000 indirect jobs, the economic slowdown would cut short the arrival of new residents. "La Sagra expected to capture urban working population of southern Madrid room, offering larger flats and cheaper," said Valentin Fernandez, an expert in residential Consultants Forum, which is not as optimistic about the future of the flats Area "will take years to sell," predicts
Floor to villa ... and VPO
from the floor to the chalet, or at least that's the idea, as housing predominant in the area is a single family detached or semidetached plot 250 meters and 180 meters built, 4 bedrooms, lounge, two bathrooms, kitchen, garage and a yard of 70 feet, with a price range between 140,000 and 160,000 euros depending on the proximity to Madrid or Toledo. "The courtyard is what made them more palatable," says Jiménez.
However, during the boom of the single-family price had risen so much that they began to build homes too high "so that could be installed in the other social segments," said Diaz-Meco, and are the blocks of flats which have either been converted into protected to lower their price or are in the hands of the bank waiting for a sale that will soon follow. In either case, most of them are still on sale.

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A couple can not access or a flat of 70 square meters

mileuristas A couple in Spain can only aspire to a house of 69 square meters. According to a study by the real estate portal fotocasa.es reveals that a couple takes an average of 1,000 euros a month can buy a flat of this size if one looks at the average price of second hand property in Spain in the month March: 2,230 euros per square meter.


Despite these figures, the director of fotocasa.es, Christian Palau, said "the situation of a mileurista before the purchase option is beginning to show signs of improvement." Thus, according to data obtained by fotocasa.es in 2008, a couple of mileuristas could only buy a house of 56 square meters as the Euribor at that time was above 4%. In addition, the total value of the mortgage could not reach more than 148,000 euros, payable in monthly installments of 840 euros for 30 years.


in 2009 had access to a floor of 107 meters


For this calculation was taken as reference the average value of second-hand housing in Spain was 2,646 euros per square meter. By contrast, a year later when the Euribor fell to 1.2% and housing prices continued to fall to 2,356 euros per square meter, this sector of the population could buy a house whose mortgage is 107 meters would have a value of 252,000 euros.


to get the maximum area which can choose a pair of mileuristas, fotocasa.es analysis considered baseline figure the value of the average house price in Spain in March, according to fotocasa.es Real Estate Index, developed by the IESE business school.


On the other hand, for the calculation of the average mortgage fotocasa.es has the support of the company Bankimia that takes into account a 2.5% Euribor plus 0.75% rate applicable interest, giving rise to a maximum of 154,440 euros, payable in 27 years in monthly payments of 700 euros per month, corresponding to 35% of revenues, the maximum rate debt recommended by experts Bankimia.


fotocasa.es director, Christian Palau, he says, despite these figures is a good time to buy a home as prices have fallen by 25%, symptoms of the market is no longer going to produce large downward adjustments, interest rates are low (although with some upward trend) and there is a greater supply of housing .. "


Assess pros and cons before buying


and advised that "before buying a home, it is important to take stock of our economic situation: what is our job situation and what expectations have in their evolution, the level of monthly expenditure, as well as other factors such as costs associated with buying a home and resources themselves available to us. "


He adds "the thrill of being able to jump into home ownership sometimes prevents this analysis. But keep in mind that buying a flat is one of the most important decisions of life because it takes a commitment to 30 years. It is therefore very necessary to make a list of 'pros' and 'cons' before taking any step. "


Therefore, in the opinion of the director of fotocasa.es, "you always have to be realistic, and if after analyzing the situation we see that the purchase will mean an unbearable burden in our daily lives, Christian Palau recommends assessing other options "such as the rental or lease-purchase"




Source: Cotizalia.com

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The IMF believes that banks can lower house prices 'no problems'

L
I house prices in Spain experienced a major global bubbles, which means that, despite having fallen from 10% to 20% so far, have scope for further falls in prices as International Monetary Fund (IMF), however, believes that English banks "can deal with this situation without serious problems."


"I think there is room to lower prices in Spain," admitted the economic counselor and director of the IMF's Research Department, Olivier Blanchard, who stressed his view that "the English banks can assume without serious problems. "


Blanchard agrees with the statements published by Financial Times columnist, Wolfgang Munchau, saying that "in general, housing prices (in Spain) rose a lot and have declined somewhat, I think between 10% and 20%, which is considerable, but still could go lower, " Blanchard said.

Spain
do the right thing
On the other hand, Blanchard said the "significant" measures taken so far by the English Government both in terms of transparency of the financial system and the restructuring of banks savings, as well as labor market reform.


Thus, the international institution has highlighted the progress made by Spain for other economies when it comes to clear the uncertainty about the quality of the assets of the Bancayan increase the sector's capital reserves.


"The markets are making a clear difference between Spain and countries in trouble," said Blanchard, who ruled that "Spain is doing exactly the right thing", but warned that "will take years to make things better."

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Dwellings: The house prices fell by 2, 87% in the first quarter, according to Consider

The house price has fallen by 2.78% in the first quarter of 2011 compared to last December 2010, the report said quarterly sales prices for apartments developed . com.

The study reveals that the average house in Spain in March 2011 had a price of 2,258 euros per square meter, representing an decrease of 0.91% compared to February, when the average price was of 2,279 euros per square meter.

pisos.com Director General, Miguel Angel Aleman, said that "the fall of house prices is accelerating since the beginning of the year" and added that of all properties published in the portal, a 4.54% lowered their prices in March.

On the other hand, Alemany also referred to more expensive mortgages as possible influence on the price decline. "If before a person with a certain economic strength could hold certain offers, with a rise in interest will have to lower their expectations, "he admitted. In addition, the director of pisos.com believes that vendors could lose potential buyers if they do not make certain price adjustments.

BASQUE COUNTRY, THE MORE EXPENSIVE REGION

According to the report of the real estate portal, the most expensive region to live is the Basque Country, where it costs 3,093 euros per square meter , followed by Madrid (2842 euros) and Catalonia (2,600 euros). The cheapest are Castilla-La Mancha (1,403 euros), Extremadura (1,527 euros) and Murcia (1,753 euros).

addition, the study also notes that during the last regions in March 1910 increased the price of housing in Spain, among which Almería (3.80%), Melilla (2.14 %), Saragossa (1.88%) and Salamanca (1.81%).

quarter, there were seven regions which increased their prices, highlighting Soria (5.10%), La Coruña (3.11%) and Badajoz (1.87%).

Finally, the quarterly report includes the average prices of 348 English municipalities, of which Sitges (Barcelona), with 4,783 euros per square meter, Getxo (Vizcaya), with 4,222 euros and Berango (Vizcaya), with 4,039 euros, are those that showed a higher prices.

Houses Flats and Apartments

Via Europapress

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pisos.com nine golden rules to consider before buying a house

Eduardo, a seasoned search floor, do not forget to take your meter when you leave to see a floor. "I often find that the house measures much less than what the ads say," he explains. 'To see a floor', a somewhat imprecise term for the trip that can determine the human-lasting object of a life: the mortgage. Given that in Spain more than 85% of homes are owned by their inhabitants, "it would not hurt you at school or somewhere teach you face right now," says half-jokingly.
How to properly address the visit to a house? Times have changed and the floors are sold at fairs, estate agents and offices from bank foreclosures, recommendations or new developments in payment and completed but damaged by not being occupied. Both to buy and to hire, visits to the "future home candidates" are critical.
The aim is to avoid further surprises such as Jaime de las Heras, who saw that the floor-to 84 m² and Alcalá de Henares, which he and his partner had bought the bank leaked. "When I went to see I did not realize, but the bank gave us the mortgage 100% of the value of the home and accept," he said. "However, I sold the house with a series of clauses which suggests that if there is something wrong spending ran to my account," he adds.

# 1. Time, time and time

planning is a common mistake many visits in one day, weekend, usually. But "the last thing to have is fast," said Bethlehem Grimau responsible for unique properties of Richard Ellis. The last thing we need to influence a decision, the rush to go somewhere else.
needed at least 20 to 30 minutes per side and another 20 minutes to check the outside, in the case concerned a single family and the building in question
detached and the building in question.

# 2. Best in Company Located

home visit and assigned to the event, the question is whether to go alone or accompanied with it. As indicated in Bethlehem Grimau responsible for unique properties of Richard Ellis, "depends on who will acquire the property: if a couple is better to be two, but if one person is better to go who is going to acquire."
However, it is recommended that "a second visit accompanied by someone you trust, either a relative or friend, to strengthen the right purchase decision," said Dolores Peralta, Real Estate Agent Alfa Canillejas ( Madrid).

3. The house, inside and out

buy not only inside, also the packaging. In the case of a single family is obvious that examination of a home should cover its outer perimeter, the boundaries of the property, the roof, the patio ... In the case of collective housing, the operation must include from the facade of the building, elevator landings and anything that might allow future spills guess ... and reductions in the price.

# 4. The neighbor sold for ...

To assess whether the offer price the seller is associated with the value 'market' of the property is recommended as far as possible "to investigate possible reductions in the price of properties on offer in the immediate environment" say in Tinsa, considering that "usually there is more bargaining power in the second hand that new home where you can get benefits, but in kind: the furniture of the kitchen, the gift of the garage, etc.."

# 5. Day and in the right time
Depending on whether the housing review is in a commercial area, residential or leisure should visit in the time of day with more 'room' to assess their influence on the value of the house. Many homes are often taught early in the evening, weekend or summer so it is impossible to assess aspects such as traffic, ambient noise, or commercial activity in the area.

# 6. All in perfect condition

must also be set "in which everything is in perfect condition, flawless finish floor, doors, shutters, fences, roofs ...-, not humid or drip and has supply for water and electricity, "says Isabel Moya, the law firm of Consumers in Action (FACUA).

# 7. Documentation

Tinsa Expert appraiser time to question the seller considered such aspects as the title of occupation in the event that the owner and the occupier does not match the date of the last reform, economic burdens, and pour remaining outstanding or if you made the Technical Inspection of Buildings ", the monthly costs of community and the reforms agreed with the homeowners as well as the provision of the statutes of the community and providing photocopy of the last IBI receipt paid
.
# 8. These uncomfortable questions
Whether the visit is made in the company's landlord and the estate agent must not stop asking, without equivocation, the following: why the house is sold? How long have you been for sale? How many times have you been visited? How many people lived here before? How many residents does the building (or planning)? How is the traffic in the area? What is the noisiest time of day? Have you ever been robbed in the building? What was the last shed? When was reformed? Does the house have any charge? Some experts recommend asking if the house is haunted, because any unknown noise appreciate the previous owner can come from a design fault or a fault.

# 9. Looking to the negotiation ...

Although the negotiation process is not covered by this report, the first visit itself generate relevant information, not only for collecting information on the property, the findings and comments ... all influences. "Show a little interest and do not be rushed. Tell the salesman who is torn between three houses," advises Gonzalo Bernards, vice chancellor of the University of Barcelona and real estate analyst.
"If the location of the house is 'normal', you should aim for a discount of 10% if the seller is a developer and a 15% - 20% if an individual," he adds, because Most existing homes are very overpriced, some owners think that "the time has past and continue to live in 2006. "



Source: Mundo.es

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Thousands of cooperatives require let them build their homes

Thousands of cooperative south of Madrid, about 6,000 according to organizers, said today to demand that their money back that they were cheated and they are built and their homes, and carrying between four and fourteen years waiting and have paid between 45,000 and 70,000 euros.


The president of the Association of Cooperative Afectdos southeast of Madrid (ACAS), Angel Alberto Montero, explained that the demonstration occurred between the Plaza de Cibeles and Sun with the participation of 6,000 to 7,000 of the affected promotions Canaveral, Ahijones, Berrocales and Hills.
Members of these cooperatives are around 15,000 families. Doubly duped

Montero explained that it is concerned "doubly cheated" because they were first taken in by the managers of the cooperatives, banks and insurers, as filed and the corresponding report, and they are now being by the city of Madrid and the Community of Madrid, which authorized the construction of your floors.


These two institutions are required to commit writing before the May 22 elections "to which everyone has his money and his house."


has warned that unions are at this point "to a real danger of bankruptcy."

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Rental prices fall to 30% continue to fall over 2011, according AOSIS

The rents have dropped between 15% and 30% in some English regions since 2005, a percentage that could be higher as advances 2011, which are expected to continue downward in cities such as Madrid, Barcelona or Zaragoza, according to a report by the Professional Association Expert Real Estate (AOSIS).


The study also highlights that the supply of rentals in Spain has risen to 300% in some English regions and insists that although the culture of renting does not have the roots of other European countries socioeconomic factors have made to recover the rent as a temporary step to buying a home.


On the other hand, stresses that in some communities such as Madrid, demand outstrips supply in towns such as San Martín de Valdeiglesias and Navas del Rey, which since 2007 have seen their prices by 20% 25%.


Compared to other communities such as Catalonia, the analysis points out that in Barcelona city prices have adjusted downward, with decreases of up to 20%, except in the luxury segment, and emphasizes that the city has increased "significantly" the supply over the past five years, while it has improved the quality of the leases.


In cities such as Zaragoza, the organization ensures that the rent has been a sort of "lifeline" for real estate agencies, since it is estimated that there are about 30,000 empty flats and the sale is very stop.

For
Finally, the report notes that cities such as Seville or San Sebastian continue to have prices "too high" for rent and should experience a long journey down to fit the market reality.




Source: Europapress.es