The British mortgage amounting to 3.29 times their gross annual salary

And in spain? Does anyone know what is the relationship between the average wage and half the mortgage?

Thank you

with data that the average mortgage of € 145,000 and the gross monthly salary is € 1,500 (€ 18,000 annual gross). the ratio is 8.05 times the annual gross salary ....

I laugh to these data, I find that floor of 145,000 euros and that salary charge: / (good salary that is just mine).

I gt me river, but the official

I prefer to look at another story and another country (France) as regards:

http://www.cadenaser.com/articulo/internacional/Francia/equipara/derecho/vivienda/digna/educacion/sanidad/csrcsrpor/20070117csrcsrint_4/Tes/

It is curious, but in France I think there are presidential elections now. Is not one of the major election promises?

Exactly, Vincent, in April this year. But who said that what was ordered before an election is bad or not is going to continue? This is the time to meet most controversial aspects of the electoral programs or give effect a coup. Anyway, if you have read the entire story, you may have noticed that this right is recognized in Scotland. A possible solution is given by other countries, but then France Matica after the elections.

Either way I see it as a step forward in the world (the Company), as gay marriage. Also, can be avoided as daily news as squatting, where some people are already taking the law into their own hands: http://www.lavanguardia.es/gen/20070119/51301715860/noticias/un-grupo-de-propietarios -de-storey-take-the-justice-by-your-hand-to-recover-the-estate-occupied-francisco-urgell.html

Continuing the theme, if the English mortgage on three times its annual gross salary and the Spaniards can do it in eight, is that the Spanish economy is doing well and the banks expect to recover the money they lend?.

Still on the subject. If the British mortgage three times in his gross annual salary and the Spanish banks that allow us to have mortgaged up to eight times the annual gross salary, is that the Spanish economy is going well and the banks think recover all the money borrowed?.

Returning to Spain, I am happy to read news of this type:

http://www.elpais.com/articulo/economia/Generalitat/fija/euros/diarios/canon/estudia/imponer/casas/vacias/elpepueco/20070122elpepueco_2/Tes

One person, a house ... .-)

Gilberto, the initiative of the Government and the Basque government is not bad. The problem I see is how they will determine what floors are empty, what scales are to be employed.

The other day a news story came out about the woman Joan Saura (Initiative - The Verds s) are talking about decriminalizing squatting. This lady is deputy mayor of Barcelona City Hall.
If they have to fix the scales to determine the flats are empty people with the mentality of this lady, you had better stop going to be ... the liar even more.

Absolutely, Concerned. In fact, the same story exposes the problem. Nor have the solution in this regard. Actually I'm more of the opinion that the owner of two houses directly by the second grave, whether it is rented or not. But it can be controlled better, but then come out with the trap of putting it in the name of a family member. .-)

With regard to the rent, we could establish a cap on your monthly payment (although the deduct for it, as more recently has been carried out, nor is it a bad idea), modeled on the price of water and light (not speak of consumption of the same, but the liter or kilowatt).

Anyway, and what is more interested in the article in my view, the Catalan government, in this case, are realizing they have a problem with housing and is being given a notice to those owners who have uninhabited.

Nor am not in favor of decriminalizing squatting, but on the contrary, I think it should be penalized for speculation in housing. If you're on the money you spend on the stock or other securities (bonds of the state, deposits, ...) but to leave the house quiet. But for now, been known to be a profitable and safe ...

In short, as we were "advised" to rise gradually to leave the Euribor where the government (European, in this particular) believed to be for macroeconomic reasons, the other must be given small toquecitos not to see the acquisition of second and subsequent homes as a business so profitable.

The example it sets, the owner of two houses by the second grave, I can not agree with you, in my case I would pass this!

Let me explain: For reasons that are beside the point, my home and my parents are in my name. I imagine how the owner of both how and whether to pay the mortgage on both, though in fact in the case of my parents will pay them living in that house and since then I have not signed any contract with them.
You see, I do not do any kind of speculation, or keep a home empty, but if you employ the scale of having a home to pay more, I get bent ...

With regard to putting an upper limit to the rental, is not a bad idea, but who is the handsome (I mean government) that tells an owner: "if you do not rent, penalty, but also if you rent, own a maximum price ..."? Complicadillo what I see.

Another thing that I miss: legal protection more quickly and effectively to the lessee.
Just as there are tenants who speculate with the rent, tenants are entering an apartment with no intention of paying, and from there to throw that ... and not only that, that does not shred the house before leaving.

On my floor, before I buy it; what the owner had rented. By marching previous tenants left the floor beat, and the owner had to spend enough money to fix it before putting it up for sale.

Your case, in my view, is a clear example of "rent" for not cobras anything, but what does the bank. You should pay for second homes or let your parents take ownership of one in which living cediéndosela, for example (see the possible problem of inheritance). In any case, one thing is how I see that I should work quite another matter and how it actually does. The fact that one thing should be fine, not to say that it is. Therefore, I am the first to the view that we must take advantage of plum while they can and who can, but continue with the idea that we should curb the owners of several houses.

Of course, justice or, to be exact, the administration of justice from courts and tribunals should be faster, but not only in the case of defaulters, but also of the murderers, robbers, ..., but as I said before, as it is, do not let this opportunity it gives us to live in a house for rent for leave without pay or leaving it as if it had happened a hurricane. .-)

In the end the world, as I see it, should go on the one hand: everyone should have, with our coming of age, a house, not necessarily in property, (if we are independent) and a salary base that allows us to eat, not when we were working. From there, each one must work or carry out the operations necessary to achieve "something better", whether in food or shelter (if at home, you must leave the house earlier self, whether state or purchased). However, the reality is on the other hand, other rules of the game.

I have not created the "game", but will have to play it, do not you think? Speculators, speculate; defaulters, "delinquent". If at the end, the world is fair ... .-)

You may have noticed that social policy that I propose, rents, as we understand now, would be limited and could be unleashed to those people who wants to take over a property or want to speculate with it / s, although we would see fewer cases of the latter (speculators), flat, but more could be my second home field or beach and empty, without living scared because they can occupy it, forgetting the motor home. .-)

The problem, ultimately, is to "play" with something that not everyone possesses and that, from my perspective, it is not fair. As we have the right to education must have the right to housing. I am not saying that you are near the surface of turn largely on the side or from work or the place where sport is going to do, but it did not "play" with the basic needs of people. Play with caviar, but not with the rice.

He who has several homes can join the (selling, exchange, etc.). To achieve a mansion where they live. Two, three, ..., many houses are always equal better. To accommodate those who could mansions of millionaires, with large gardens, ..., start there.
We must not divide the cows of others ....

I am not asking for any cow spread, nor ask for the expropriation of large Mancione, if I understood you, ACD. I ask only that each person has a house (not necessarily owned). Anyone who wishes to a higher, as a mansion, is what Curran and already, but I do not get through the needs of others. .-)

So that each person has his home, the best thing is that banks are the builders of the houses, then we the rent at a price and prefixed by the state. And that after a number of pre-paid monthly to the bank (not all have to be followed), we can stay in the house property without providing a more hard.

Although not a bad idea and if you do not get to the state, some plants such as Islamic mortgages, which has already been spoken: http://www.euribor.com.es/2006/06/15/lloyds-ofrece- Mortgage-Islamic /

However, with 18 years not everyone has a salary is more, some students, so that instead of a scholarship, it could enhance the social houses (apart from what is said about the characteristics of this type of housing in other Participation will not include many square meters, of course, as the controversial 40 can serve, taking at least one bedroom, bathroom and kitchen) and this can only be done the state, because banks are looking to the powerful knight Don Dinero. These houses would never be the property of any person, but to be living when you feel the need for independence (one could even raise the possibility of a symbolic payment for those working 50 € to 100 €, without ever acquiring the rights property to enhance its unemployment). From here, with time and if it considers it an important thing in his life, or buy mortgage to buy something better. "

With this no longer would seek help for the purchase of a home and avoid speculation, apart from the rent "impossible" to pay or that the tenant leaves the floor smashed. Anyway, back to reality, these subsidies for housing, are falling and I think that will continue on this path (and I've seen a lot of balloons, even on TV):

http://www.cienladrillos.com/2006/11/17-menos-deducciones-por-vivienda-con-la-reforma-fiscal-2007

Germany has long had done:

http://www.idealista.com/pagina/boletin.comentarios?id_noticia=20042802

Although not a bad idea and if you do not get to the state, some plants such as Islamic mortgages, which has already been spoken: enhttp: / / www.euribor.com.es/2006/06/15/lloyds-ofrece- Mortgage-Islamic /

However, with 18 years not everyone has a salary is more, some students, so that instead of a scholarship, it could enhance the social houses (apart from what is said about the characteristics of this type of housing in other Participation will not include many square meters, of course, as the controversial 40 can serve, taking at least one bedroom, bathroom and kitchen) and this can only be done the state, because banks are looking to the powerful knight Don Dinero. These houses would never be the property of any person, but to be living when you feel the need for independence (one could even raise the possibility of a symbolic payment for those working 50 € to 100 €, without ever acquiring the rights property to enhance its unemployment). From here, with time and if it considers it an important thing in his life, or buy mortgage to buy something better. "

With this no longer would seek help for the purchase of a home and avoid speculation, apart from the rent "impossible" to pay or that the tenant leaves the floor smashed. Anyway, back to reality, these subsidies for housing, are falling and I think that will continue on this path (and I've seen a lot of balloons, even on TV):

enhttp: / / www.cienladrillos.com/2006/11/17-menos-deducciones-por-vivienda-con-la-reforma-fiscal-2007

Germany has long had done:

enhttp: / / www.idealista.com/pagina/boletin.comentarios?id_noticia=20042802

Clópez give green light to the article which is awaiting moderation, please.

In his talk, as if in the end not give you the "high", roughly, of social houses 40 meters square for people without economic possibilities (thinking of people under 18 who want independence), controlled by the state and paying a nominal rent those working to strengthen its unemployment. Never would be owned by the user and will not be adjacent to family homes. In this way, you do not need aid from the state for house purchase usual, that if they are set well, they fall layer (the trend is going removing, as already happens in Germany). It has links that do not include the belief that this is what has prevented the comment came to light. .-)

Apart from this, the thing gets warm in Catalonia:
http://www.hoyinversion.com/noticias-entrevistas/penalizar-antisocial-vivienda-espana_200701231342.html

Good ...

The problem is that politicians talk about the constitution when they are interested ...
we have a right to decent housing, not a zulo, not a shack, nor to mortgage q 2 lives ... by the way, with my salary and the average real that I see when I'm looking for, I get 15 years' salary .... just for the loan, interest apart .... (come on, mortgages to 100 years and

I see the solution in which the state guarantees a decent floor, 70-80m, each, more if a couple, who can pay a reasonable alkyl (come on, anyone working), and not in ghettos in the fifth hell, and clear property, and from there, the q wants more than the price it pays off.

and to achieve this? public land for public housing, and that the builders make them at cost price to be entitled to sell free housing.

the extremes are bad, nor communism that controls everything, not just wild capitalism that is worth the money.