Today we're going shopping and laws

aver if the Euribor behaves well today q q Friday is the thing starts to become worrisome ... q fast climbs and then remolon q pa gets down low and ajajjaajajaj !!!!!!!!!!!!!!!! !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! !!!!!!!!!!!!!!!!!!!!!!

liquidity crisis? where? .. jajajaja with the billions of euros q earn banks already come .... XDDD CONTADME OTHER AJAJJAJA

Remission, much as a bank always wins may have little liquidity.

One example that we have a bank and get the salary 10 people (1000 €) and 3000 to stop him bobby, invert Iberdrola in 5000 and 1000 phone gives you had 10,000 of whom have rendered 3000, and 6000 invested, you are 1000 liquids, then come 2 to draw his nomination 2000 € just remember that at that time available tapeworms 1000, this is a liquidity crisis as much as you should or have invested there.

I would say that banks chasing the lottery winners is something that has gone forever, in the typical images of the winners with bottles of champagne is always one out there with a suit and tie,

Come on, this is not new, nor much less and I do not believe that lottery winners settle any alleged liquidity crisis.

How do you explain this:
------------------
The reform envisages cuts of about 85% in registration fees on and notarial deeds of housing, while cancellations, changes to another financial institution or modification of the terms of mortgages also will see reduced costs.
------------------

that approx. a sign months my mortgage? affect me in anything? I have to revise my position? tell me.
Well, I must add that I was finalmete the casamucho lower than that in principle, I offered, so that you agais an idea on this floor in a village 5km from Valencia, central zone, all exterior, 3 floor with an elevator that whether to reform and with parking space for € 162,000, this would have to diminish support for the first of around 14,000 housing, therefore, I recommend you offer much less than what you are asking, but with an apparent interest! Even when not think you can download more, try! I believed that I could lower over 6000!

Good morning!

Yesterday was the law of the mortgage market, which in my view, we favor mortgaged to delivering tools to pressure or negotiate better terms with the banks ...

Do you think that there will be war between entities with the aim of attracting customers and their mortgages from other banks?

Be nice, no?

Salud2

You will have an affect on that cancellation fee maxima of 0.25, apart from that I think more than anything, I think everything else that affects changes in mortgage, but someone who knows more of the item you have.

I just read another news that at least deserves a little attention, and that relates to the alleged lack of liquidity of banks.

------
SANTANDER Sells network of offices to Pearl by 2,000 million,
The bank has closed the sale of its Spanish network of 1,250 branches to the British group Pearl by about 2,000 million euros, Expansion reported today, without citing its sources. However, the first Spanish bank will remain in these offices on a lease for at least fifteen years, bringing the British group insurance and fund management could get a return of close to 5% per annum, he added. The transaction must be placed in the auction process of real estate in Spain's Santander, by 4,000 million euros excluding its headquarters in Boadilla del Monte, who asked for between 1,500 and 1,800 million euros, concludes Expansion.
-------

Hello everybody,
It is the first time I am writing because until now (and I am still in it) just learn a lot and I can not make the forum jeje. I am thinking of changing the mortgage and would like to know from where the new law is effective? that is, when I come out a little cheaper to change? What if the Euribor has been published in the October BOE? (the last published is the banks that are used to calculate not?) and the last question is simply whether someone I can confirm ... I have a mortgage signed in 2005 with a commission of 1% and 2% cancellation surrogate ... According to the law the most that I can apply for changing banks would not 0.5%?

A salute and clopez should make the site as required reading from high school to see if we get down the economic ignorance that exists in Spain ...

this is what I have been able to draw from the news pulicada

Adopted the new Law of the Mortgage Market

In terms of reducing the cost of procedures, the reform foresees cuts of about 85% in registration fees on and notarial deeds of housing, while cancellations, changes to another financial institution or modifications of the conditions of mortgages will also see their costs reduced

This means that the cost to be taken by the signing of my mortgage will be lower?

One point ...

CLOPEZ, SGAE has nothing to do with intellectual rights of "cut and paste" you mention ...
SGAE administers the copyright of audiovisual works and ensures compliance with legal tools.

Too many clubs are given as to the meterla where he is not.
I think you should edit it, this step is going to blame the price of games or if Kenedy.
The day that we do not have authors, we complain that there is no quality in the music ... so we will ...

With the roll of the lottery, as tap your city / town, not purchased and have to buy a flat, the real increase in the value of the flats the following day ... .. step in and Vic a few years ago.
Coclusion: If you do not play the "big" insurance that you get to the "fat".

The Santander renting?
By God someone tell Don Emilio who is pulling the money!

HELLO
I BELIEVE THAT THE MORTGAGE REFORM IS GOOD BUT IT IS A SMALL AND VERY LITTLE LATE FOR THIS AND THAT MORTGAGE OVER HALF OF THE SPANISH FAMILIES
On the other hand believe that we have TODAY AN INTERESTING NEWS AND THAT IS THE MOST POSSIBLE SUBIDA IMMEDIATE PRICE OF MONEY BY THE ECB IN DECEMBER OF A 0.25 and that is what EURIBOR THESE ARE SHOWING THE LAST DAYS

According to Sir John for the law to mortgages taken out since April of 2003 alone may have 0.5 cancellation, I think we gonna boe in the November-December and will be from that moment, on the other hand I'm in same as you and I will wait for pay rises because they lose more fucks mortgages that are paid well and apart revenue from debit nominates.

To Raul, I think it is just for us to change the mortgage, and little for the new mortgage, that if a maximum of 0.25 per cancellation for the new.

The Euribor that? slowly slowly it seems to turn back again not ????????

I personally believe that the Euribor will fluctuate around 4.60 until the first quarter of next year where I believe / hope or a lower rate, 25

Repopulated, it is what it seems. With the hopes I had, that the review of the mortgage was not going to go up even more without comment ...

As for the sale of the properties of the banks is a curious affair, so get liquidity, we can still get good prices and have also assured that the clause repo ... move the money and nothing else, so be ready to provide liquidity ... In the end the dealer wins!

According to public "five days" the real estate to help Habitat foot to avoid the banking crisis ..
When you purchase such shares of telephone 22euros to say, if in a few months that this action could be 29euros to say that I have 29euros, or would have to sell it to be able to say that I have 29euros, the following month because these same actions would be a 28 , 27.26 ... etc,
If I buy a flat a few years ago for 200,000 euros and now someone tells me that their value can be 300000, if you think you can invest in cheap ... but it will sell for 300000,280000,270000 ... ..?. The floors are worth what the buyer paid, not what the market says.

Thanks Murdok,
The topic is what I want to move against the sooner the better because I am afraid to 0.25 in the Euribor rates and climbing K2 in these dates as you point out jeje ... that's why I'm interested in moving it leaves me as cheap as possible.

Greetings!

IS NOT ITS ominous BUT BETWEEN THE LATEST STATEMENTS TIKECT And UBLICITY BY THE LAST INTERVIEW "Economist" A ONE OF THE GERMAN AND Gurus pick-up in inflation INDICATES THAT ALL OF OCTOBER HAS BEEN a mirror and that the ECB will resume its POLICY CONTROL OF INFLATION WITH a rise of 0.25 which puts the price at 4.25 Porlán THAT FRUTUARA EURIBOR 4.60 ENTRE EL AND 4.9 DURING A LONG TIME

Good morning, everyone,

# 11 TEDDY on the SGAE has nothing to do with cut and paste unless they see they can get business, the day he can count, and you'll see ya. Sorry but I can not let this issue after the latest news:

http://www.elotrolado.net/hilo_La-SGAE-se-querellara-contra-las-asociaciones-que-la-han-denunciado-ante-Anticorrupci_891106

On the topic at hand one of the lotteries, which has always given me pass. In addition to all the banks there is a large accounts department, which in addition to devote himself exclusively to large clients, are also trying to capture these new rich, rather than competition.

PS: I do not tire of thanking CLopez the creation of this forum.
Thank you very much Clopez

Good morning.

I think that instead of lowering the costs of registration and notarization, which may represent little money while speaking percent in making a purchase, which would have to do is reduce at least half the 7% tax transfers of assets, and that if I think it would help to have to buy a home, even the youngest would be exempt from this tax.

PD; Let us not be sold over the bike and if we want to help do so for real.

A greeting.

Hello everyone; In the post yesterday some of you added a link to download the Excel calculation of mortgages, but it did not work.
Anybody can put someone else?

Greetings and thanks

The new mortgage law:
-Cancellation: Compensation for cancellation of a mortgage goes from 1% to 0.25%. With this reduction, to cancel half a mortgage of 150,000 euros to 27 years from the current 1,500 euros to 375 euros.

-Subrogation: The change in fixed mortgage interest or mixed with a variable rate will cost the same, a 0.25% or 375 euros for a mortgage rate, with the exception of those made at the time of the exchange rate interest are below the rate at which the loan was contracted.

-Tariffs notary: Passing by the notary will have a fixed price of 30 euros compared to the current cost, which is established on the basis of the value of the property and with a minimum of 90 euros.

-Registration Fees: The bonus of 90% that currently applies only to the subrogation of a mortgage or renewal of passing a variable to a fixed for the remainder is 75% - is extended to all mortgages. Thus, for the cancellation of half a mortgage will have to pay 52.5 euros compared to 300 today.

Cost-registration: The pass rate of 111 euros to 25.

-Reverse Mortgages: are exempt from tax and legal acts of documentaries and reduces the cost of tariffs notarial

Deductions-up to 10,000 euros: Holders of a reverse mortgage may be tax deductible up to 10,000 euros in personal income tax if they spend the amount of reverse mortgage to pension plans.

Hello,

I have a doubt, I've got 32 years and I'm going to buy a flat tax of transmission assets that I have to pay is 7% or 5%. It is not clear to me is that if up to 32 years to pay 5% or the 32 years included.

Thank you,

I have a question for # 26 thumbtacks

"The new mortgage law:
-Cancellation: Compensation for cancellation of a mortgage goes from 1% to 0.25%. With this reduction, to cancel half a mortgage of 150,000 euros to 27 years from the current 1,500 euros to 375 euros. "

Today was not a maximum of 0.5%?

Greetings

Well, at last has approved the new mortgage law. Now only fault, which is published in the Official Gazette. This more or less it can be? 15 days? Before?
And I would like to make another question. I subrogation to the mortgage builder (in Caixa Tarragona), and I have said more or less than 10-15 for the week of December we are going to the notary, for mortgage and deed. If before that date is published in the Official Gazette the new mortgage law, I mean a reduction of about 80% of the cost of writing? If so, I would save something ....
It's something that I'm lost in the subject.
Thank you!

"Habitat seeks to help the creditor banks to avoid the crisis"

http://www.cincodias.com/articulo/empresas/Habitat/pide/auxilio/banca/acreedora/evitar/crisis/cdscdi/20071123cdscdiemp_1/Tes/

Habitat ... you must return in June 2008 a total of 695 million, which led him to sell plots up to 20% below its valuation.

Look how you can lower the price of land.

Catharsis continues ...

# 27, pagessots
For what you comment you have three limitations sn the following:
1-The floor has to be second hand.
2nd You have to have less than 33 years. That is to say NO to have met the 33.
3rd-L base of TU statement of income can not sobrepasr € 30,000.
I hope I helped.
A greeting

I am the forgiveness of anonymous

ANYONE KNOW IF THERE IS ANY TABLE O site where you can CALCULATE A CHANGE OF MORTGAGE WITH NEW CONDITIONS TO SEE IF ANY OF THE MARKET OFFERS YOU ALLOW TO SAVE OUR MORTGAGE
CREIS HABRA TO WAR OF BANKS OR THE CONTRARY HABRA COVENANTS?
GET THERE ANY CHANGES TO PAY ALL OF MORTGAGE?

# 30, rented
The price of something is determined by what you pay for it. This article does not say anything about having lowered the price of land, just talk that has sold below its valuation. As for what he had bought?
Then we will know if you have downloaded or uploaded.

Hello everyone:
I must say that what I do every day for the first time is getting on this blog.
I'm going to count my case: I'm 71 and I bought the apartment in 2002. 90,000 € to 30 years. Little by little I have been reformed and the last two years I have desgravado 3000 € and the change of windows and doors.
In Euskadi until the tax reform which will come into force in the statement of next year, children under 35 years tax-deductible interest of 30% and 25% of capital. With these last two years than the monthly fee I desgravado:
Apart from what relief for the payment of normal mortgage, finance, I returned 2005 = 2,400 €, 2006 = € 2778.25
My way of seeing is that the redemption money to retire, in 4 or 5 months sack him a profit of 25%. From now on both the interest and capital deduct 18% because I already have 36 years.
To be able to deduct the change of doors and windows upon request to the Basque Government, is a little roll because you have to ask leave work, take pictures, submit budgets, and so on. but it is worth the effort.
This year I retired and I intend to € 3,000 amortize another 3,000 before the end of the year, but do not know if I can because every time I have to save more.
I'm thinking, as I have already done all the work at home, change the loan to 15 years. I have left to pay € 70,000. and try to recoup € 3,000 a year, because I'm going to step it will be impossible to amortize the year 6000 which is what we had planned.

MEETING 23/11/2007 11:06

Middle type
Euribor Week 4.174
1 Month Euribor 4.199
Euribor 2 Months 4.702
3 Month Euribor 4.697
6 Month Euribor 4.669
12 Month Euribor 4.618

22/11/2007 Eonia 4.099

Teddy, that there is no quality in many authors as we complain, and it is in large part because of the aforementioned that you are defending (and I do not want or name). And what of the price of games because you want to tell you something but also influence as the cd'so dvd's a great site for the'll have to get at least the Spanish companies (unless they also buy the material in abroad) so we do not defend the indefensible and OCN just this item.

About what comes into today's topic I also think that it prosecute the winners of the lottery has gone forever, as well mentioned above has always been there for someone who brought his bank is trying to lead the entry of pasta, before I remember that convinced you regalandote to cars (some time ago and if the prize was very high) now, as are the things that should offer?

MEETING 23/11/2007 11:06

Middle type
Euribor Week 4.174
1 Month Euribor 4.199
Euribor 2 Months 4.702
3 Month Euribor 4.697
6 Month Euribor 4.669
12 Month Euribor 4.618

22/11/2007 Eonia 4.099

The average today is situated in the month of November 4593

For months I'm hooked to read the comments every day but it's the first time I write.
What could explain that Will is the reverse?
Thank you very much.

To # 262 Tik (of the messages from yesterday):

My situation is slightly different. My idea is to make my ex the following proposal:

You see, if my house is worth 300,000 (present value) and we have 150,000 mortgage, and we also have a local ticket approx. 150,000, then I would be an asset to 300,000 - a debt of 150,000 = 150,000 and my ex would get another asset that applies 150,000. That does give your local working environment. She could no longer be required to cope with their share of the mortgage, as often comment that it cost quite paid monthly.

Besides, I have a savings "interesting" that would allow me to substantially reduce the 150,000 of mortgage.

The reason for my question was whether under these conditions, I could reduce significantly the cost of writing to rely commented yesterday that the "extinction of condominium." I fail to locate me in what amounts would reduce that amount.

On the other hand, in the example you comment, you will it to 57,500 but should in turn assume half of the 160,000 remaining from its mortgage, that they would be 80,000, so in reality it yourself you should be a total of 22,500.

Greetings and thanks.

To # 25 Sebas,

It is not an excel sheet, but the same thing for you is what you need.

http://www.ahe.es/bocms/sites/ahe/pages/Home.jsp?mID=21

That villegreen, punctual as ever ...
Today has fallen by pelín respect to yesterday, but it appears that overall returns to throw p'arrba, no?

How much ignorance by god!

No, the gaming companies do not pay the fee by famous manufacture them.

As for the link put it, is neither more nor less than the right of that society to legally defend themselves against fallacies.

And if we begin to take music for trash is that we no longer have many economic interests sit down after work to compose and everything was among the authors who actually live in it.

You herewith the EURIBOR A 1 YEAR with data and references to a month, 6 months and one year.

23nov2007 meeting:

12 Month Euribor 4.618% (-0.002)

22nov data: 4.620%

data a week ago: 4.576% (+0.042) ◄ ►

data from a month ago: 4.592% (+0.026) ◄ ►

---

data for six months: 4.422% (+0.196) ▼

figure a year ago: 3.870% (+0.748) ▼

---

Average monthly NOVEMBER: 4.593% ▲

# 41, JavierML: The last 80,000 should not be, because she is not going to pay this mortgage anymore. There is a residual debt of 160,000 to be addressed if he wants to be the 100% owner of the property.
She just has to liquidate the half of what made so far, nothing of future mortgage payments.

To # 41

Extinction of condominium ... I have recently gone through that. What you save is that it is not a normal sale, but forced by personal circumstances (please those who want legal terms). It implies that you do not have to pay a 5 or 7% tax to pay on a normal sale, only 1%, I think. Moreover, according to the council, are exempt from paying capital gains. To do so, in my case, I requested that the new writing appeared that the motive was separating couples. A case that could arise is that you have half a floor with a partner and one he left. Then, there is no separation of the couple, it is business, but you can disguise, clearer Otherwise there is no way to escape is the added value in wealth, but of course, it is too much to ask. On the other hand, if the mortgage subrogated you can come out cheaper than making a new one, thereby also save some gastillos. And also tell you that in my council, when I went to ask the officer told me that he did in his day because he was interested in buying. I do not know the motive, but the case is that it appears that there are possibilities and combinations you like.

I wonder what I was paying mortgage, a question the new law affect me or my just new mortgages?
Thank you very much and a greeting

News of the World:
The chairman of the Bank of Spain. Fernandez Ordonez:
"The moderation in inflation, scheduled from November by the chairman of the Government, José Luis Rodríguez Zapatero, could be delayed until April, according to the governor of the Bank of Spain, Miguel Angel Fernandez Ordonez. Avisa de que en los próximos meses el IPC continuará al alza, y no descarta además nuevas subidas de los tipos de interés por parte del Banco Central Europeo.”

Vosotros ir pensando en que los bancos tienen poca liquidez que si esto que si lo otro que al final todo sigue igual… La vivienda por las nubes, la alimentación, la gasolina… todo como siempre nada cambia y ahora los bancos embargaran 4 casas habrá unos años de estancamiento para luego volver todos a la locura compradora… si esto es siempre lo mismo.