Spain has to change in mentality.

It is very useful information about the evolution of mortgages and rates, today many families depend on what happens with this issue. I hope that will soon appear as mortgages shared ideas that allow the British to buy a half floors, and all supported by the state! For once I would like to be English ...

I find it reprehensible and outrageous the comment made by the rapporteur "to end the frivolity of the Spaniards at the time of borrow."

the "levity" of Spaniards now have to borrow is based on the right of all Spaniards to have access to decent housing, together with the people in this country continues to aspire to independence from their parents, marry and bring to the world offspring.

The dictionary defines the HKSAR "frivolity" as the quality of frivolous. And the latter means "Light, fickleness, insubstantial ..." Come on, as if signing a mortgage when people do it so carelessly or without knowing what it does or for pleasure.

As they say sometimes, "around there in the vineyard of the Lord" but usually people signing their mortgages with more fear and resignation that otherwise, and simply driven by the desire to achieve decent living conditions and consistent with the level of development of this country is bountiful to the four winds.

It is necessary to find the words to something more care in this specific and hard times facing many Spaniards see as the monthly payments of their mortgages rise alarmingly and can not do anything to prevent it.

I am a lawyer, got 30 years and income per month just over EUR 1200. My wife joins 950. The mortgage rises this month me 70 euros and I had already risen 60 6 months ago. I had to ask 100% increase in the cost of buying my first home, and I can assure the president of ADICAE that the "levity" was not present on the day of the signing of the operation and in the difficult and thoughtful decisions My wife and I had to take it now just over a year.

Gentlemen, the real estate problem facing this country I am sure that can be explained in many ways (some of which I read around here seem to me very wise), there are many complex causes that only experts are able to unravel, the "Levity" in the Spanish mortgage is that I do not think that is the "touchstone" of this whole berengenal.

You will forgive me for the comment, that I get fruit of anger and impotence to check how people with no speculates, and speculates that the authorities of this country do nothing to prevent it, but what they abound in this country are not frivolous and Tertullian jackass .

Caesar.

Lawyer.

Why do not you missing friend Advocate.
frivalidad is also the banks, which do not report what they should, in the municipalities, who only think of raising through the soil, the government, allowing this madness ....

I read every news story on this situation, I wonder even more.

What must change the mentality? In other words, the families have for many years mortgaged to their fullest potential (obviously because they have no choice but) when the interests are historically low. The risk that interest back onto State from the beginning and it turns out that the mindset has to change now.

And from the outset, governments, municipalities, banks and other ilk have consented, without taking any action, pointing to the basket of easy money.

The mentality that would have changed many years ago is that of all those whose eagerness to profit may be causing the collapse of many families.

It is no use caution now, when the evil is already done and where most banks do not grant mortgages in the same way that barely half a year ago.

Let me make one last comment. As one professor who gave me my class at the School, "KNOW WHAT TO DO BETTER THE ECONOMISTS EXPLAIN WHAT IS TO BE PASSED."

Greetings.

Cesar: Totally agree with this last point, both 'economist' to know that there are only explain what has happened and to treat all of frivolous, crazy spender, etc.

The mentality has to change is that of the fucking speculators, who have inflated the price of housing for them inflate their pockets.
Your example is similar to mine, although I'm mortgaged several years.
There are "economists" who say it is best fixed rate, and I ask the following
What monthly fee remains for me, bearing in mind that these mortgages awarded to the shorter term?
How do you pay?
Do you give the bank a mortgage with fixed monthly fee if they surpass the "famous" threshold of 33% of revenue for the mortgage?
If the request variable rate and longer term ¿go into the group of frivolous and wasteful?

Well, this is solely the fault of our buyers, if none of us had begun to accept the price increases would not have been sold and the price would be normal.

We are imbeciles and without forgiveness, we accept everything that comes to us, look at your surroundings. The prices of all products has soared without any excuse, good with the excuse that we buy also.

Let cause of the victims and take your fault (and mine), we have what we deserve. Viva Spanish rogue!

Hello fellow commentators

I always try to learn from the extreme positions of
2 to 8 more comments from top to the article itself
underscore maniesto. Mr. Brown has been moved to 3 people
free to insult causing the angry comments
above. The fact that simplify throwing footballs
outside, the blame-the others have!, which are ill-that the
others that make me be where I am! because that entonen
a mea culpa, which followed a comment. Such Jesus
which shows the latter, as does the opposite,
chest, and draws himself, and us all to himself, for
at the end praise the picaresque. On one thing I agree,
by force, some speculators are bastards who act
within the law, but this call is a picaresque
Speaking unfortunate if we remember the
Lazarillo that tricked the blind in order to eat, not to
cochazos possess, dream homes and bulky pockets.
I do not applaud a cabrones the bordering a weak legality.
The mea culpa is nothing. Thanks to ourselves,
God does not like other entonarían, we live in democracy, and
if the law allows speculators to do what
is because people do not vote in who represents
feel good and live our interests too
Outstanding Big Brother and style, ignorant,
Voters irresponsible, and ignored by the rulers
on what more besets us, except when elections are approaching. Democracy has its flaws, but as
society we have what we deserve. Except groups
isolated, because we said we do not leave us
botellón when other youths from Europe are manifested
by the issue of housing cuandon in their countries is less pressing than here, among other things because you do not have the
fever of possessing as it happens in Spain.
Incidentally, when the political landscape so polarized,
2 games comprises such disparate is almost 100% of the votes,
I can say without fear of mistakes that too
almost half of Spain is wrong. We vote and we
manifest within the law and knowingly
of the facts. Anyone who says that politics does not go with him / her
has no right to complain. Let purchase
pretend that we like a lot in Spain, we make use
just what we need, and necessarily prices
go down.
I rent, I am surprised that nobody has commented
before.

I agree with most of the opinions expressed.
One thing that puzzled me greatly is that the interests do not stop rising, but banks and savings obtained "historic gains" constantly. It's amazing rogue. Lowered interest rates for people who never could have their normal salaries to buy a house, can buy it, and then go up so exorbitant.
He makes a lot of "grace" from which we change to the euro rises in all kinds of things have been shameful and wages have gone up so ridiculous.
We are integrated into the European Union, but I wonder: how can we plant in the prices to countries such as France, for example, and we have a lot less purchasing power?.
This is a country with a tambourine, where prices rise unchecked, banks earn more money and we are increasingly indebted, if anything, limits until we are going to make it difficult to survive.
Why banks and funds do not reduce a bit overwhelming its profit margin and soften a bit these high interest rates?.
I know that does not depend on them, but the government could step in the matter, I say.
Much socialist government and a lot of bagpipes. Much help the worker, but I see that all governments are equal. All to "suck from the bottle."
This continues I think we're going to have to go to the host sites, then see who is handsome, with an economy half, supports these kinds of abusive price increases.

Poor innocent, and you should try and not frivolous, the problem of the types of interests in this country as the rest of the EU, is equal for all so the problem is not only for the Spaniards but of the 300. Millions of Europeans, and that for the rest of the countries that is not the case here with prices of flats, then ask, obviously it regulates the market supply and demand, and here besides the municipalities and other political powers are in charge of deceiving the rest of the people, therefore when elections are held next voteis hell no, no, since all do the same thing. fuck the poor worker in this country ... .... and fail to mourn,

Jesus:

What we have to assume guilt? What I have to assume blame me?
When I bought my flat in 1999, was looking for a house to be able to marry and raise a family.
What had to be done according to you? Did not have purchased? Live for rent, what price?
You say that we did not have to have accepted the increases, how is that done?
Do not buy: If you want to marry and raise a family do not you do it? Do we married and after each with their parents? Are we waiting to see if they fall (I know people who've been waiting more than 15 years)?

I agree that there are rogue traders, speculation, and that there are people who have "meado very high" and may settle for less, but please, enough to generalize the subject, as if all the Spaniards was as frivolous, Rogues and speculators.

In my case, I do not have anything of the above (perhaps I am wrong), my mortgage, but I have revised upwards (55 euros per month) does not represent me problems now, but if I am very concerned about the direction that are taking things.

Of course the fault lies as much as it's sold, like that of the purchase. But it is here that the "rogue" of selling is as big as the ignorance of that purchase. Not everyone can learn in the same way, the majority can not (or do not know) informed of the subject property on the Internet for example, and only knows what they can tell by the news of the rise of "something" or whatever they call the Euribor you can tell your bank.

In fact, a friend of mine has been in debt for 40 years in a flat with 1 room. I said that I had carefully because the interest would go up, but another friend who works at a real estate told him that the most certain is that next year fall again because the interest is so that the bank was working with they. Of course, my friend thought this over to someone who got in another world that only knows the item read "internet".

The situation of the housing bubble have created compadores, with the blessing of politicians. They (buyers polítics +) and others are not responsible for each action and the other by default.

The banks are making money. If there have been crazed shoppers who are bent on edeudarse for forty years, banks are happy to meet demand. What is your business if you do not? Imagine any of the forum which is a client to ask one hundred thousand units of the product or service you sell, what would be your response? ¿Tell "do not sell that much is not good for you," go to the competition? Let's be serious.

Responding to Caesar, the lawyer speaking, I do not understand that someone can borrow at 100% plus expenses. He knows his situation, will have his reasons and have made their numbers, but I do not understand. Have you thought would happen if one of the two in the couple is left without a job? I say that the Constitution says, paratín, potatoes, the state is responsible, patatín, potatoes.

We live in a cloud, in which the majority of Spaniards living beyond its means. Seem outrageous that a cashier of Carrefour (with all due respect) is a flat and a lawyer can not have it. Well, this reasoning, exactly, is the one that leads to live beyond the scope of one: the other enloquecen, me too. Renting an apartment you can live as dignified, I do not know what is the damn floor, so people are chained to him for life.

Politicians could have been amended, forcing restrict credit to banks (central government), or increasing the ground edificable (municipalities).

What we agree is that evil is done. Now what? Well, to save, to preserve the work and live in austerity.

A greeting,

AA

Abadia:
"... Renting an apartment you can live with dignity ..."
A mileurista, paying a rent of 700 - 900 euros can live in dignity?
I am renting makes sense if the monthly payment is well below that of a mortgage, but if the difference is small, so my rent is throwing money. You spend your whole life paying rent to find you never got anything.
I wonder in another way:
If I have 30 years Which is better? x to pay a mortgage of 50 years (that beast), or pay a rent of approx. x / 2 at the same time.
for me, the earlier case would be if planteable, because you get more monthly cash flow, and in case of problems (eg unemployment) impact is less.
But I fear that the reality is not so. There are rentals whose share is close to mortgages. So it's not worth the rent.

Responding to the Concerned

I accept that there will be different in different areas
but what I know, for the city of Barcelona and
populations south of the province the numbers are
the following:
Note: I am 30 years old and live in pairs and renting

40m2 purchase 240,000 € to 40 years to 3.75: 967 € / month
repayment total: 464,500, Bone, 93% more than initial capital

80-100m2 rent: 900 € / month

40m2 rent: 550 € / month

The current interest of a 3.75% rise and can climb up
suffocate and force to sell.
I am faced with the price of the floors down, which is
quite likely when it has a lot of
flats for sale, which offer more demand. This will happen,
as the economists suggest, when prices stop
will not go up initially because almost no one who can
defraud, then the speculators want to withdraw profit
to invest more profitably elsewhere, and also
owner-tenant-no-speculators, who most indebted
are beyond its means will have no more
choice but to sell. With this offer price may
fall. Japan is not an isolated case and fell much.
In addition there high prices could be justified
by lack of land, but here only by mere speculation -
and fever for possession, being kings of kingdoms of 20m2.

For the 70 years he would have paid a
floor and 93% of another bone, almost double, if that's not throwing
money. Should have lived in an area of less than
Half of that would have been able to pay, or would have been
400 € to pay more to live in the same 40m2.

who benefits from this: first the tax administration with the famous indirect taxes (not to be invested in social welfare)
secondly the big banks as they see their economic performance shares soar to unimagined a few years ago (I can only say that hypocrites)
thirdly the local administration with its famous fees and local taxes (to pay their high salaries) fourth-promoters construction companies, real estate not think so (do not know how to dispose of so much money).
The aggrieved families who do virgerias to reach the end of the month despite leaving the horns on the job and whether it impossible to raise the salaries of leads lost competitiveness.
Q: D will continue to work at night in order to cash a 20% increase in order to pay it indispensable to move forward with a family of four (I work in the IT sector and 1300 salary (10 years old) and my wife in telemarketing 800 euros.

Today you letter from the mortgage is roughly twice as much as an equivalent rent. Or what is the same, you can live in a rented apartment twice as big. But is that although the amount was the same in the current circumstances (I repeat, under the current circumstances) is preferable to hire purchase. Actually that was the scene (share = rent) a couple of years ago, which led many people to buy, so wrong in my view.

The most common error being committed by people in their arguments is to think that the conditions of the past will continue indefinitely into the future. It's the same motivation that leads to buy shares that have gone up a lot, thinking that they will continue to rise indefinitely. But it is wrong. As the advertising bank equities' gains past do not ensure future profits. "

Ten years ago it was a good time to buy. In my case I bought a flat (small), and have had more hearing had bought a dozen, as did a neighbor. But that opportunity has passed. It is ridiculous to want to climb to the case of capital gains now: The floors are not going to go up further. On the contrary, they are going to go down, as will explain later.

I find it ridiculous to take the current share, multiplied by 30 years and compare it with the rent during that time. Who knows what can happen in 30 years? With what has changed the economy in 10 years, I find it incredible that no one dares to do numbers in 30 years.

I've never understood that that "rent is throwing money". You pay money for a service you get, like when you go to the cinema, a restaurant or a course of studying something. There is no need to buy a movie, or buy a garden to grow your food, or buy a school they can go every day. It is rational to see what needs you, meet with your income, and you go about saving for something ( "something" might be 15% of salary, and that's what you save or sink you in times of difficulty, that all suffer).

It is clear that having a house on property gives you greater security for the future (for retirement, for example). But that does not mean you have to buy it now. In fact buy it now is a lousy business. My recommendation (which is the plan that I have planned, because the family has grown and need more space) is going to hire a large floor for about 5 years. During that time can be saved much more than buying a house in the middle today. At that time the economic outlook will have been clarified, the floors will have been stabilized (or lowered) and interest rates will have more real values.

As a summary, the problem is that the public does not believe that the medium can lower floors. And when consumed downhill will be traumatic. Nobody would buy a flat of 60 million, if we think that within 3 years could cost 50 million. But so, for three reasons: 1) In other countries has lowered the price, up to 70% (U.S., Japan, Northern Europe). Why Spain is going to be different? 2) Really in Spain also dropped prices in the 90s, for example. In the years 92-95 nominal price remained constant (or decreases of 1% or 2%). But discounting inflation and the four devaluations that the government did, that was a drop of more than 40%. 3) The markets are in agreement on the overvaluation of the real estate assets in Spain. The Bank of Spain has said that between 25% and 35%! I do not understand that to buy some shoes and wait for rebates to buy an apartment we do in times of overvaluation.

What to do? Save and not borrow, as always advise on the forum.

Since your approach, how to say whether the rental fee is half the share of mortgage, if I have to give you the reason.
The comparison I have done wrong. I compared my current share of mortgage (made in 1999) with the rental of an apartment on my own farm, for which they are paying a rent higher than what I mortgage payment (as revised).

One of my fears is to rental retirement. If at that time got into the apartment property (how will I pay if no unforeseen event) have a capital or failing that you do not have monthly payments; that if they hire.
The rental contracts are made to believe that a specified period (5 years), after which the owner can set the price it pleases in wins is not it?
Suppose that rents are starting to shoot (I mean the number of rented flats, not the prices), for the reasons you have commented here.
When they are winning contracts for rental Are you sure that the owners of them do not rise excessively share?

I am of the option to buy an apartment / house in life, primarily for retirement but not when they're more expensive! The market for apartments has changed much in 10 years. What does not happen in another 30 years?

I do not understand this fear at home, as if he were the boss at work. In a lease, the tenant is the customer, and he commanded. It's like shopping: If a store in the price / quality you do not like, then you go to another site and that it buys another. With my money I command.

If for 5 years have you been paying and not creating problems, not the landlord will make you an abusive rent increases: you say you go and point. The profitability of a rent for a property owner can be 3% per annum, which is almost what you ING without doing anything. With that I mean that what the landlord wants is to have the flat occupied by a inqulino to pay and does not give problems. The floor was saying that before I got hired and did not raise either the CPI. I want the tenant is happy, valued the apartment in which he lives and left many months / years. Attempt to address it as if it were your home, and even dedicate 10% of what it pays to make repairs or improvements on the floor, which also retains its value well. Why hire more than 25 euros I will venture to the floor Left empty for several months, or between a inqulino I did not like it? The tenant is the customer and must be treated as such. Those who do not understand will be left with the empty floor, or destroyed, or badly-hired for a pittance.

Rents have risen, but not as much as the purchase of apartments, rents in no bubble. In the medium term might go something, something to fall or remain the same, but I do not think that there are wide variations in prices. Anyone who rents it does for a living, not for speculation.

Concerned, you're a quejica. I just find that you say you bought at 99. You should have no problem nor a cause for worry.

Those who have bought in 2005 and 2006 are those that do should have an emergency plan to save and prepare for the future.

AA

Abadia, hopefully all that rent floor think how you deal with either the tenant to be happy.

The flat that you commented on my farm, when I bought mine in 1999 was paying approx. 550 euros per month mortgage. The tenant who lived on that floor left him a few months (it took time) because he wanted to raise the rent above 600 euros.
Tenants have spent two more, besides being the empty apartment several months and the owner does not yield falling share. The power of speculation is very strong.

I am not complaining on my mortgage, which can take and I think we can assume future increases. Rather, I won a contest to give banks and financial institutions, but can we do, are the rules of the market.

But the rise in rates affects not only to mortgages. It serves as the example of my wife, who works saleswoman. I said for months that sales have fallen, and not why the products are expensive, but not why people come to buy. There are afraid to spend.
And his store is not the only, is happening in more places. My fear is not for me, but for those people who has been indebted to the eyebrows, that is not how will you get out of this, in addition to the recession of household consumption, which can affect many jobs.

What if I complain is how the headlines of the news that tops this post, it seems that ALL the Spaniards we are equal.
I think that we write this blog show follow the theme, and try to calculate and make forecasts, and I think he does a lot of people (also know who does not do it or cares).
So why news like this where it seems that all Spaniards we are going to the debacle?

Greetings

Concerned sorry to say that SI products are expensive, do not shop there now that everything is not very expensive, so we are giving now.

At least for the young, we continue with the salaries of a decade ago and product prices are much more expensive.

el salario medio español, está muy por debajo del británico, alemán, y francés.
Sin embargo los precios de la vivienda, y de otras muchas cosas están incluso por encima en muchos casos.
Y un dato tremendamente significativo:
Se está incrementando el % de compradores españoles en hipermercados del sur de Francia. Ojito, ojito…….
Esa realidad no puede mantenerse durante mucho tiempo.
El ajuste, es inevitable, y probablemente será traumático.

desde hace mucho tiempo se estudian las tendencias de las personas y todo es para poder caulcular como ahcer que las personas se gasten el dinero fruto de su trabajo en un mercado diseñado para cubrir sus necesidades. el problema esta en que nuestras necesidades todos las sabemos y aquellos que tienen poder para cubrirlas nos la vendende aun precio muy caro. el gobierno no nos protege y el estado presta sus servicios a las empresas y aquellos grandes capitales que decidan invertir sin importar el precio que pagamos nosotros los hijos de esta sociedad . estamos desprotegidos viviendo en un pais donde hacer la compra es demaciado caro y donde disfrutar de una vivienda digna e independiente es un lujo para algunos y una pesadilla para otros pero esta lejos de ser un derecho y para lo cual pagamos toda la vida. la solucion esta en crear viviendas publicas que podamos pagar y que sean propiedad del estado pero que se nos pueda garantizar esa vivenda por toda nuestra vida y ademas que sea a un precio muy bajo o precio de coste pero esto no cambiara hasta que los ayuntamientos decidan habilitar mas suelo edificable y crear mas vivenda publica. yo personalmente prefiero pagar 200 euros de vivienda publica que pagar 700 de alquiler aunque en ambos casos nunca termine siendo propietario.

no es una nececsidad basica ser propietario de una vivienda , piso , chalet etc etc…. . lo que si es una necesidad basica es tener una vivienda digna donde alojarnos y para alojar a nuestra familia. si la familia es el nucleo de la sociedad y el estado debe protegerla y formentalarla como es posible que lo mas caro en este pais sea la vivienda. luego se quejan de la baja natalidad . la vivienda al ser una necesidad basica y al ser un bien escaso debe ser controlada por el estado y no por un mercado que exprime a la sociedad y lo deja sin aliento para poder consumir mas alla de loq ue necesita para cubrir sus necesidades basicas la cual es la situacion de muchas familias españolas y cada dia se apuntaran mas. la solucion mas clara q veo es que el estado , gobierno , ayuntamientos creen viviendas para alquiler sin opcion a compra pero a muy bajo precio para todas aquellas personas q no pueden comprar o quieren comprar y disfrutar de su nomina . lo mas caro es el terreno y si los ayuntamientos lo controlan a su antojo lo pueden hacer. lo unico malo es que si la construccion baja entonces en qu trabajanarn esas miles de personas que hoy en dia viven de las construccion?

el precio de los tomates y la patata lo regula el mercado . el precio de la vivienda tambien lo regula el mercado. he ahi el problema.

Estimado Hispano, permíteme algún comentario a tus intervenciones.

Que la vivienda debe ser controlada por el Estado y que el Estado debe crear viviendas públicas es un disparate económico, que ni en Cuba ni en la Unión Soviética se ha llevado a la práctica.

Me da mucha pena cuando, por ejemplo, la Comunidad de Madrid sortean (sí, sortean) 500 viviendas de protección oficial entre los 100.000 que se han inscrito porque necesitan una. Las viviendas no se construyen de la nada, y la diferencia entre el precio VPO y el precio de mercado la pagan entre todos los contribuyentes. Se da la paradoja de que los 99.500 que se quedan sin vivienda y necesitan una son los que subvencionan la casa a los 500 afortunados que consiguen la vivienda a precio reducido. ¿Te parece justo eso?

En contra de lo que se suele pensar, las Administraciones Públicas (Estado, Autonomías y Ayuntamientos) tienen una responsabilidad muy importante en la economía de mercado. En el tema del suelo, las competencias las tienen los Ayuntamientos. Solo se puede construir en los terrenos que el Ayuntamiento declara “urbanizables”. Para recaudar más dinero, el Ayuntamiento mantiene escaso el terreno urbanizable, con lo que: 1) al haber escasez sube el precio y así recauda mucho más dinero. 2) como recalificar el terreno no cuesta nada, se dan todo tipo de corruptelas. 3) los promotores compran terreno para especular, ya que saben que la escasez hará que suba más todavía el precio.

Si el Ayuntamiento liberalizase el terreno, el mercado se abriría, cualquiera podría construir y un piso de 120 m2 costaría unos 20-25 millones de pesetas (por ese precio los construiría yo, aun así ganaría mucho dinero).

En resumen, los precios de la vivienda han subido, no “por culpa del mercado”, sino precisamente porque nuestra clase política no quiere que haya mercado. En su lugar hay una camarilla local compinchada, que se reparten el suelo entre ellos, y que como es un bien escaso los ciudadanos tienen que pagar al precio que les pidan.

Ello ha conducido a esta locura de sobrevaloración, en la que lo que se está pagando no son los ladrillos, sino los precios artificiales de un mercado manipulado por la clase política, de todos los partidos (todos: PP, PSOE, IU y nacionalistas).

¿Y si ahora se liberalizase el suelo? Pues que los precios de los pisos se desplomarían. ¿Crees que los que han comprado estos 3 últimos años quieren eso? ¡Tendremos que ponernos de acuerdo entre todos! Yo creo que se van a desplomar en cualquier caso “sin hacer nada”, pero ese es otro debate.

Un saludo,
AA

Veo algunos comentarios y me tengo que reir. Yo acabo de adquirir un piso de 70 metros cuadrados, de segunda mano por 18 millones de pesetas mas impuestos, a pagar unos 570 euros al mes a 40 años. Ahora los que dicen que es culpa de la mayoria, una pregunta solo, ¿que haces si tienes 32 años y quieres independizarte? el derecho a la vivienda es un derecho constitucional y los bancos se aprovechan de ese derecho. Los habra derrochadores, que compren pisos mas alla de sus posibilidades, yo me fui a este pq bueno, era lo mas barato, ojo al dato, lo mas barato ¿es eso derrochar o ser frivolo? o mejor estaria en casa de mis padres hasta los 40 y sabra dios que pasa. Tengo pareja, un sueldo de 900 euros y mi pareja de unos 700 euros con un hijo. No se hasta donde llegara esto pero espero que haga algo el estado por pararlo porque vamos a tener serios pero que muy serios problemas la gran mayoria de los españoles.

Si pensais esto ya esta empezando a repercutir a las empresas, mas gasto = menos consumo = a cierre de muchas empresas = a mas parados. Algo hay que hacer antes que esto estalle.

En fin, que piensen lo que quieran pero todos tenemos derecho a vivir dignamente, y si vivir dignamente es ser frivolo, entonces yo lo soy.

Un saludo.