... Of Resaca.

Clopez, please contact explained that the article will leave you made in his words.

to see if the Euribor rises today that I am writing first

I shit in the gold ... I have not been the first, that I madrugá for doing nothing since early ...

Well, take news
http://www.elperiodico.com/default.asp?idpublicacio_PK=46&idioma=CAS&idnoticia_PK=468687&idseccio_PK=1009
according to the report of BBVA, housing prices will fall 1.4% and you will lose 250,000 jobs in 2008.

a greeting

Hello, does the philosophy of the "subprime" and its crack, it is not like the easy lending crediagil, Cetelem, mediatis, etc.etc. that there are very happily with people who are asked less documentation and that often serves to pay assessments to which mortgage is not reached?
that is my opinion of the loans television (so expensive and so easy to get) is that they are a peculiar way of subprime, and the time with his crack.
What do you think?

I leave with you one for savers:
ING Direct rises to 4.5% APR pay your account orange

http://www.eleconomista.es/flash/noticias/334993/12/07/ING-Direct-sube-hasta-el-45-TAE-la-remuneracion-de-su-cuenta-naranja.html

It is positive that the rise Euribor ...

clopez you are a worker of the year, too
You wrote x to be hangover, I tmbien
I had lunch yesterday and I already undertaking a failed
couple of times about 5 + 7.

I'm a robot?

Where is enculator, really subidón of the Euribor

For student, I read the article and you say no to lower the price of housing, but unless you go up this year. Only the 1.40% rise.

Explained, please Tell us what that news "BOMB" that you know and we will not. For fa, I'm going on holiday today and I am going to this off. Thank you, and Merry Christmas greetings to all

Who buys 700,000 homes

http://www.elpais.com/articulo/economia/Quien/compra/700000/viviendas/elpepueco/20071221elpepueco_1/Tes

According to Aguirre Newman, sales of new flats in 2007 will fall between 50% and 90%

the consulting firm Aguirre Newman anticipates that the next year house prices will fall by between 5% and 10% in nominal terms in Spanish provincial capitals, and in greater amounts in the coastal areas.

if, IS A GOOD TIME TO BUY AN APARTMENT, JA AJJAJAJA

Enculator, as the Euribor climb today will be your fault eh!

Well, tomorrow we encourage you to play the lottery but you already know and "Day of health"

Vengaaaaa, the bombaaaaaa please, I meooooo

Good morning everyone,
I have read of what you Ing Direct and I'm going to count me what's going on with them.
I opened my account two years ago orange and perfect, I opened my account in May and also nominates perfect (I gave 100 euros) but ...
last month my daughter opened his account nominates, with that friend of the plan as announced by them, and after four calls demanding, it has not yet received the promised gift (50 euros for each)
Ing Direct will be one of those affected by the lack of liquidity and because of this promise and pledge to collect funds and then not met?
Greetings and expect the Euribor today brings surprises like that ...

The rich are also mortgage:

http://www.consumer.es/web/es/vivienda/compra/2007/11/23/172186.php

I andaaa yesterday talking about the account and climbs to orange 4.5% .... I am fortunate to be pursued ... ... PA MI EL GORDO ¡¡¡¡¡ DE NAVIDAD
Good morning everyone

Have you read this from Trichet's horny? So I also collect the millions who get paid! at the next meeting of the ECB took me canapes ...
http://www.consumer.es/web/es/vivienda/2007/12/20/173145.php

And that ties bomb that had half? Appears or not?

Teruca,

Was your daughter and client of ING? Did the Orange account?. In principle it's assistance plan is only for new customers, if introduced to someone new to ING ... although that is not well specified in the bases.

I introduced a companion work, taking account of the Orange and myself a promotion that if I would have the payroll account gave me 60 €. On the other hand it was a friend of the plan, which were 50 pa each. I reached an agreement with me compete and we decided that we were by the plan but then the friend I gave my 10 euros pa compensate ... as it happened to you. I joined 60 already on me nothing. After calling my partner to tell times and 8000 was not applicable as Friend of the plan have already an account orange, I ended up calling me too. We came to complain to customer service. At the end left me 60 euros to me and my companion gave him 50 jejeje. However, the phone bill went up by pelín.

Greetings to all.

Ha ha, makes me grace that news of the following sentence:

In some of these mortgages, at the end of the repayment period will be paid more than twice as requested

But is anyone who does accounts?

In a mortgage of 300,000 to 35 years to 5.5% at the end 864.000euros are paid, that's almost 3 times the value of the floor!

# 17, MadRAM
My daughter is a new customer and every time I call they tell me that there is no problem, which is in the process but that the department is overwhelmed by the commercial success of the campaign .... Juas juas
They also told me that the campaign had just yesterday that before and it paid everything.
Where to call to complain?

# 3, Student
says:
according to the report of BBVA, housing prices will fall 1.4% and you will lose 250,000 jobs in 2008.

# 8, ISO
replied:
For student, I read the article and you say no to lower the price of housing, but unless you go up this year. Only the 1.40% rise.

And I would add that I have read in the newspaper today that the BBVA estimated at 90,000 jobs in construction that will be lost in 2008 and that in the event that continue, if it continues to decline the issue of housing construction lalala only in the event that worsens over that figure could reach 160,000 in 2009.

By adding 90,000 in 2008 and 160,000 in 2009, the total could reach 250,000 jobs lost from today until January 1 of 2010.

Conclusion: Although not too much agree with many things in Enculator is right. I think that really BURBUJILES've got an obsession with looking at things in a negative way to see if everything is great between a mega-hyper-super-crisis and finally to achieve low housing prices of high-end car.

I also see every day as the messages from # 10, Full which puts a link to an article which says that housing
go down and therefore boasts that no one should buy to get even more.

BURBUJILES that seems to be forgetting that human beings are greedy by nature. That for a long time people
purchased regardless of price, just watching the amount per month.
Now with the high Euribor this fee is unpayable by many people because of the high price, but when was the Euribor
Situated on values less than 4% and the prices are lowered be able to pay that fee.
If banks and boxes give them the loan will be launched to buy all those who are now Esperanto and will be re-see
avarice of the seller because the price rise in 2 months more of what lies down the house at 2 years.

One last comment, I find graciosiiiisimo that BURBUJILES give credence to a report by BBVA, which speaks of the destruction of employment and one that says that housing will go down and categorically deny the validity of a report from the same source who claims that the Euribor will be a 3.9% at the end of 2009.

They simply say: If you do not know the month Euribor, how do we know the next year!

I remember that banks have for many years earning millions based on estimates of the different markets and it almost always succeeds or at least very close to reality.

A greeting.

# 18, rented
"In a mortgage of 300,000 to 35 years to 5.5% at the end 864.000euros are paid, that's almost 3 times the value of the floor!"

Ya, but you have to subtract the effect of inflation, in nominal terms pay 3 times the floor, but not in real terms.
Is that if it were not so, not interested in paying anything for cash.

Salu2!

Gentlemen, I'm sorry today I was asleep in bed and I have come late to work ... and that my dinner company is today. Is that I'm farsighted ... jajajaja prefer to sleep rather than later.

Hopefully, the Euribor forgive us our sins of not having made the first post and another bajadita us, but Friday is normally go to the bottom although little I guess.

For others, as long as the "leased" in their bubbles and some sounds like the MACGREGOR that he was right.

I encourage pessimism and down! DO NOT want to sing mornings!

I agree with you MACGREGOR

Good night, Vietnam.

Al ataqueeeeeeeeee, where the PUMP ?????.

Meanwhile, instead of cyberspace ... ... ....
The forces of resistance (Forero) face the empire (banking). The dark side is attracting more each day to its main Jedi knight (Euribor), this approach does not know if his father (Trichet), or move away to infinity ... ... ... ... .. continue.

Indeed meanwhile continues the story with my "war of the banks," you get an article to reclameis to those who suspected he had stolen. I am going to be the scourge of banks, I will repay all the money (I hope je, je, je).

Goes on EXPENDITURE IN THE CURRENT ACCOUNT OF MORTGAGE:

Consultation
A few years ago, I bought a house and I had to make a mortgage. The bank forced me to open a savings account to debit my receipts from the mortgage. This account I use it exclusively for the mortgage, but paying a commission for her annual maintenance (which, incidentally, goes up every year). I have heard that in such cases, when the mind is just to pay the mortgage, is exempt from fees. Is it true? If so, under what rules is collected? Can I make the mortgage payment on an account from another bank or do I have to mind compulsorily maintain this?

Answer
You are right. The Claims Service of the Bank of Spain (Report 2005, http://www.bde.es) has long maintained the position that, given that these accounts have been imposed by the institution to facilitate the management of the collection of and loans are used exclusively to pay for it, do not qualify for the payment of commissions, because they are derived from the provision of a service requested and accepted by the customer. Therefore, from the perspective of good banking practices, it is not correct charge of maintenance or administration in such accounts because it would lead to the absurd, "says the Bank of Spain, that the customer pays to fulfill an obligation .

In conclusion, if on that account alone the burden of loan receipts, we recommend that you ask your bank or cash withdrawal of the commissions, as well as the return of previously collected.

If your application is not successful, this complaint to the department of Customer Service of the financial institution (the addresses appear on the notice board of the entity or its website). If within a period of two months or it does not receive a reply does not satisfy you, you can raise your complaint to the Claims Service of the Bank of Spain, C / Alcala, 50, 28014 - MADRID.

As for the possibility of debit payment in a different account, you should review the conditions it signed to formalize the loan, since it will not be possible if the change was reflected as a prerequisite for granting the loan.

http://www.ocu.org/map/src/312604.htm

I am a member of the OCU (Organization of Consumers and Users), if there is information here.

See you later

# 18, rented
"In a mortgage of 300,000 to 35 years to 5.5% at the end 864.000euros are paid, that's almost 3 times the value of the floor!"

If you rent this floor 300,000 (depending on the area) that you put the monthly output from 800 €.
If we start to count 800 x 12 months x 35 years = € 336,000

You pay the entire apartment, the basket and Christmas bonus for each year since the age of 35 NOT HAVE NOTHING.

On the other hand you the money provided by the bank each year is worth less so in real terms do not pay 3 times its price, however we give you will rise YES YES or renting year after year so that I was as CORTÍÍÍÍÍÍSIMO I have fixed 800 euros each month.

Of course you've fallen short, because you have to put the landlord will raise the rent with the CPI each year, and so for 35 years, would end up paying more than double the rent. If shopping, in real terms will be paying less than half the letter. That is the difference, no more no less.

Salu2!

Come on now you've nailed MACGREGOR !!!!!!!!!!! A new threat to the forces burbujiles has arrived!! Chollazo who rented the rent so I watching? jajajajaja

MacGregor, son that part of the sentence

"In a mortgage of 300,000 to 35 years to 5.5% at the end 864.000euros are paid, that's almost 3 times the value of the floor!"
do not you understand?

what the pisito not you come out 300,000 or 336,000, do you come out 864,000! (and that without community, IBI, maintenance and repairs, which certainly does rise with the CPI ...) and that facilmeente you add another 200,000 eurillos of ná.

... And that not counting the children that you will not be able to pay the fee, travel that you can only do in your imagination, work that will need to rechzar because you're tied to an apartment that you can not sell, the risk that your couple were divorced and you stay in the street ... etc ...

nothing nothing "protest" your message is paddling ... look like a child weeping ...

After the rent is not anything you inheritance for your children, your if you can not have children! Travel? BBVA looks to have given me 6 trips with the mortgage. jajajaja and I travel more secure as you. work to be rejected? maybe you can not rent the apartment? As the divorce is a putada good ... but when it is not.

Very wise MACGREGOR
To # 18, rented
You should calculate what it costs to rent a flat in comparison. Some facts:
If you have 30 years and a life expectancy of 80 you are paying per month for 600 shares to which they must add the subsequent annual increases. Make numbers, if the fee is € 1000 "solo" not counting the annual increases will have to pay € 600,000 and will have nothing. If you do the calculations with pay rises much more.
Greetings

! DO NOT want to sing mornings!

¿Chachoo and then you doing here?

Leaving aside the victims of stupid desperation to sell what nobody wants to buy you ... Today I saw an ad in a very curious windscreen wipers of cars in my street: Sold floor 2 / 3 rooms for 190,000 euros, and put down " paying the same as a rental. "
I found it curious, because I do not know how you can have a flat 2 and 3 rooms at once, and because several years ago that he did not see a floor in my city for less than 200,000 euros.
It also made me this grace of "paying the same as a rental." Because, at an interest rate of 5.5% since 40 years, just by paying 980 € / month. With that in my city pays the best attic of the center.
I see that there is much enculator everywhere, to which the noose tightens and he has to invent his fables to sell.

Rent vs. Buy

Hypothesis 1:

Two families in the 60s.
A family decides to buy a home. (very hard to pay for it)
B family decides to rent a house. (more olgadamente lives that the family B)

These two families in 2000
A family has paid for his house, just retire.
Family B with his old rental contract, pay € 30 a month to live, practically nothing, just jubiliar (similar situation to the family B)

These two families in 2005:
A family decides to sell their house and go to Toowoomba to spend their last years of life with more and better quality of life time.
Family B is tied to his contract of former income if they could not stop paying anything on the market with their pension, can not move, their building after 50 years that this fall, his landlord does not solve anything for rent that pq No charges he deserves. She lives in abject poverty is a dilapidated building at the end of their lives.

Well, yes, because if the situation seems the same. Each method you choose what you want, but we are going for me, there's no color.

Salu2!

Okay so that the rent according to the MacGregor said, you will leave after 35 years by more than 360,000 € and are still not taking anything.
But paying a mortgage of 300,000 € to 35 years, although some pay more than double (700,000 €)
How soon will be multiplied to the price of housing in the past 5 years? maybe I think that is short but has doubled or even something more is not it? therefore € 300,000 * 2 equals € 600,000 worth of MY HOUSE if sold at that time, hence the share of the I end mortgage river.

"Stresses that many of the jobs will be lost will be absorbed by other sectors such as services."
These are some of BBVA bobcats ... that are going to put all the pallets that the majority are immigrants, accustomed to good salaries, all with their "good" mortgages to work for waiters? with the pay gap that exists etre them?
Come this is not what anyone thinks. Certainly these lynx also made a prevision of the Euribor at the end of the year, not far from approaching
PS: All the world to send the curriculum department said the BBVA sure that they charge a dough and not hit anything ..

It seems that sanity prevails today in order for the forum. And in bajadas burbujiles with the Euribor and expect both to lower prices are a bit nerviosillos.

Enculator son, I know that for the Grao bales much with your SLK and your zulos rented a Romanian boy ... but, in the capital that we have another level ... 6 trips that you regulate the BBVA? Congratulations! Did you know Paris then? I have traveled half the world cap with the points iberia Plus and Business, and limousina to the door of my house / hotel (things in platinum card) ... I assure you that my heritage and my income is quite high that yours (and that which I have no idea how many are interested in me or your own) and not why I go trying to deceive the public, primarily anumérica, with the same topics transochados about the property characteristic of a paradigm rather than exhausted .

Of course I prefer for my children a good education, languages, international educational experiences, good schools, good companies, some parents who see their home at a decent hour and they devote time and not all day doing accounts to arrive at the end of the month rather than the promise of a floor, which also probably will not inherit until they are 50 years (and you see what help they will then assume ...)

How much does it cost a house 30 years ago at locations in the south of Madrid? failed to € 12,000 (costing less than 2 million pesetas), as they can sell it now?, approx. between 210,000 / 240,000 at the moment so desperate for some, a little more than 20 times, so even if they have paid 3 times more mortgage, what is ultimately benefiting?

""""" Enculator son, I know that for the Grao bales much with your SLK and your zulos rented a Romanian boy ... but, in the capital that we have another level ... 6 trips that you regulate the BBVA? Congratulations! Did you know Paris then ?""""

"Response: In the capital we have another level? well, well if we come across with the church. Perhaps you feel more ready to be of capital and you tell me that I talk about my topics? uff urgent need a psychologist ...

Limousine and platinum card mortgage does not want to go ... but if the strip of platinum. That hard! let me birth.

I know that if Paris? much better than you because I speak French in addition to having lived in Paris two years.

Come as you machote the nail on the head! Champion of ping pong!

I never have compared rent versus purchase, my only intention has been to emphasize that the press release said that "at the end of those mortgages pay twice the value", NOS DIO JO-HA! in this and all mortgages or anything that either nobody knows what that goal in a mortgage?

I do not think being 35 years of rent, only 2 or 3 years until prices fall (as the BBVA, Aguirre Newman etc.) and my savings while renting by the day.

We are prepared to take the españolitos that housing is no longer an investment to be a more cost? Igualk to the car, the telephone clothing etc ... ..

that most recurrent themes! in order to respond
# 20, MACGREGOR
The report BBVA is a report that there are more than in the arena, but it is the most optimistic report of which circulate. The others are much more pessimistic in this regard.

Which the club which rents, does not invest this money on other things? you suppose that is spent and volatiza and when it reaches the retirement this with nothing? you are aborregados, hell!! The club is investing not only in housing, invests in other things. say that the rent is tied to your home? it spurts, I am changing my house if I get the eggss, not as a mortgaged not have that option.
that which is better? rent or buy? therefore make calculations hell, in this life nothing is fixed. years ago it was better to buy and now it's better to rent. and if you do not load and stop saying jets.
if I resaka!!

# 40, carlos

housing cost more? ... No need to be nobel prize in economics to know that this is cyclical, meaning that there will be another real estate boom when? I do not know ... within 5 or 10 or 15 years, because nobody knows it, but when you get what you need and how many more buildings have increased over your heritage, and while this was mortgage you will see reduced to the minimum expression, which are the same or mortgages in the day that the signed before 1998 (you can see and think that if they are to buy a car instead of dwelling).

Housing to win next year, it probably is not the best option, but home to win in the long term, possibly the best option for the average investor and unhurried.

Salu2!

# 37 Illusionist

The final benefit is zero, unless you leave to go to live rent with the money earned, because if you want to buy another apartment, the voucher?
While you think about it, sell it waits reviente and to all new purchases, then the benefit will be very high.
It seems that many do not understand, that there is a high percentage of the population excluded from the possibility of buying a flat, and that's what you seem more normal world.

For all those who put examples, I'm going to put others:

That is a person who insists on a floor that almost can not afford (such as 30 or 40% of the mortgaged who fear for a miserable 6% and that's the point of rupture), and suddenly by circumstances of life, a year can not pay?

Where to put examples that the mortgage is € 1100 and € 800 rent, (I do not think it currently has so little difference at any site in spain) with 300 € of difference between them, are not save? can not generate interest?
After 35 years you asustarias the amount generated from interest, but only 126,000 would be saved in 35 years of interest would become more than 80,000 account you gonna do even more.

PS: Enculator, the burbujiles very quiet watching the news coming out each new day and corroborate what we think.
The ye yourselves that you are nervous, very nervous jeje.

There is a concept that ... and I do not understand is that of "Euribor Lower" ... The average is around 4.6% in November and December, 4.8%
Someone I can explain this concept of "watering down"?

Answer ... I agree with your opinion to let your children an education instead of a mass of tochanas. There is a concept that in this country of borrreguitos no means: the human capital. One floor will rise or drop in value for reasons totally unrelated to you ... can not be controlled. En cambio, en esta sociedad degraciadametne tan competitiva, una persona bien formada siempre tendrá un valor para generar rentabilidad (un buen sueldo siempre es rentable).

Hace poco, mi padre me dijo: “otros padres han dado pisos a sus hijos”, y yo le respondí “pero a nosotros nos has dado la preparación y la autosuficiencia”. Por desgracia, ellos son de la misma mentalidad retrógrada que la mayoría de los españoles: “sacrificarse para dejarle algo a sus hijos”. Y yo, ahora que son mayores, no sé cómo convencerlos para que vendan un piso que tienen alquilado por cuatro duros y se lo fundan en viajes y en vivir la vida, que sus hijos ya nos espabilaremos.

Pero en fín… esto es ejjjpaña, donde lo importante es sacrificarse toda la vida para dejarle 4 tochanas viejas a tus hijos.

Veo dolor, mucho dolor…

Como estais hoy!
Esto se parece a los culebrones televisivos que nos vienen del otro lado del oceano
¿Cuanto es dos+tre ? ji ji ji

Euribor+69: olvidas una norma básica: cíclico quiere decir que todo volverá a empezar… y eso significa que para que haya otro boom, tiene que haber primero un buen crash… Para que tu patrimonio se vea incrementado de nuevo, tienes que comprar cuando la cosa esté en el fondo del pozo, no cuando esté en lo más alto de la montaña rusa…

Good night, Vietnam.

Atila, puedo cabalgar a su lado?. Mis respetos.

Hasta luego

Porque cuando esté en el fondo del pozo, no dudéis que compraré muchas propiedades para obtener pingües beneficios, jajajajja…

¿Ese es el fin de los burbujistas, no?

Veo billetes de 500, muchos billetes de 500

Hola buenos dias.
Desde luego este no es un foro de politica, pero el Z está acabando la legislatura a lo grande, ahora resulta que darle un cachete a nuestro hijo es causa de una demanda civil, jajajaj, no se vosotros pero a mi mis padres me dieron unos pocos cuando me lo merecí y desde luego no cambiaria a mis padres por nada del mundo, no tengo ningún tipo de trauma y creo que tuve una educación buena y comprensiva.
La Juventud está creciendo en una sociedad, en la que prima el culto a la busca de la felicidad permanente, perdiendo el espiritu de luchar por las cosas, lograr conseguir tus metas trabajando y esforzandote cada dia, el argumento de ” solo se vive una vez” se está instalando en una juventud, cada vez mas apalancada.
Aviso a navegantes, no soy votante del PP, es más, no soy votante, solo me preocupan los valores que estamos trsmitiendo a nuestros hijos.
SESION 21/12/2007 11:12

Tipo Medio
Euribor Semana 4,548
Euribor 1 Mes 4,476
Euribor 2 Meses 4,699
Euribor 3 Meses 4,774
Euribor 6 Meses 4,781
Euribor 12 Meses 4,777

Eonia 20/12/2007 3,933

Bueno poco a poco va para abajo
Empiezan las vacaciones!!!

Tipo Medio
Euribor Semana 4,548
Euribor 1 Mes 4,476
Euribor 2 Meses 4,699
Euribor 3 Meses 4,774
Euribor 6 Meses 4,781
Euribor 12 Meses 4,777

Eonia 20/12/2007 3,933