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
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
