And despite the mortgage, we consume more on Christmas

I like spending years and is significantly less than the average, I am not spending any means satisfaction.

hello, because I think it has been reduced, at least I look at things more than other years and on the street, but is consumed in this environment is something that is not so good. Besides I read in the press the other day that has increased and many purchases on credit, is already talk of the subject on January 1 and February 1 when they come extracts visas, English Cut, etc etc ... HAPPY HOLIDAYS ... ..

Hello everyone and happy Christmas. Consumption as always at top, and while the strong euro that our consumption will be high.
Otherwise, reading newspapers less, rather than inform each disinform at will.

According to my mother, and we know that mothers are the best analysts of the domestic economy, this year people spend less joy. Are the same crowds of people from here to there, but with fewer bags. It is quite logical in view of the fear that we are getting into the body so that "the next crisis."

Happy new year to all teachers!
Neither one can Euribor 6 andalusia us!

I seen a toy, as in other years.
both in politics and in the family mia.pactado in advance, we said that this year no gifts
ej.en by my house last year pacts "invisible friend" in the amount of € 200. This year anything .... but my parents have given us a very generous cash bonus (funny that my mother ... who said he had erred and had twice unwittingly)

a friend who has a butcher told me that other hams and sold popsicles years, this year the people is 200 grams ...
people are not short, but one night, not the entire month as other years.
For me it would be better if the sales are in crisis or not ... because children have kings or yes yes ... but perhaps not this year is a fund wardrobe this season and are last year's sweater ... cotillones also in the clothes will be repeated
a greeting

Hello!
Clopez soon! jeje today to make up 24 to 25 are half asleep early ... I have come late to work-no-comments in my case this year have only gift my mother and my nephews, and all gifts are bought together, kids in about 50 € per family, we are 4 and my mother for another 50 € -70 € and no more gifts, nougats and others have purchased once for all, so at home with my sisters had not been bought Turron separately because it takes my mother, so we are limiting spending everything we can to save is not bad, huh! and nothing to eat lamb as the foam that rises in the price this time, we eat lamb throughout the year and the effort is an unwarranted economic nonsense of these dates. So save a little, that if I had to buy a decent router to connect to my home and I buy a colony that is running mine! ...

Greetings and Happy Christmas!

Good morning to all!
The reason is because of madrugón article I wrote last night and I left scheduled to leave at 8 am
We notice that there are still people on vacation.

Good morning to everyone s!

Today we have the Euribor?

This year I am suffering more than ever to buy gifts, I make a knot in the stomach when the book bag to pay. Every year I say the same thing, this year I will not spend ... but it gives me something to arrive on the day of kings and give me gifts and I give a good gift ... mierdecilla and prices through the roof, the smallest detail 25-30 euros normalito and throwing a bad ... I lamentaré in January when another year passes without me go fuck of my salary and eating pasta because there is another thing

For my part, what we have done in my family is to spend just.

First in the Christmas Eve dinner, and I warned Ms Mother: I just want a bit of a Steak and pecking of good, but little. Conclusion: This is the first year and we all got to eat dessert. And it was the rabbit eat the holy father of one ...

Regarding gifts: if only because not to be part of the half, gifts from my parents bought back in November (not knowing that I will have to change, of course) and gifts from the bride I touch suffer these days, but with no spare head

And Merry Christmas

Lords to be eating well all year, on Christmas Eve with an egg fried potatoes ....

And there are the gifts that make one want to do it because they do not herd.

Greetings

Today I think there is no data q Euribor either, or 31. X at least last year was not value these days.

A greeting.

Delinquent payments growing at a rate of 48%
Late payments on home purchase is doubled by the war and open shells

* Dubious mortgages are approaching the 4,000 million euros
* Moody's says that the financial turmoil will worsen the situation

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* Related News in elmundo.es
* Related news elsewhere

Last Wednesday 26/12/2007 08:22 (CET)
Listen noticiaImprimirEnviar noticiaDisminuye letraAumenta point
JOHN T. DELGADO

MADRID .- The Spanish financial institutions will close 2007 with double mortgages doubtful receivables. The delinquency rate for families is moving steadily toward the 1%, driven by rising interest rates and changing economic cycle. The data has not yet turned on warning lights or in the field or in the Bank of Spain. However, it has forced banks and savings institutions to turn squarely in attracting deposits.

The new financial scenario has already claimed the first victims. Contrary to what some analysts predicted, developers are holding at the moment, the rain. By contrast, cases of default are cropping intensity in the housing mortgage gained. In early October, the Bank of Spain was doubtful accounts receivable loans worth 3.574 million euros. The figure is 83% higher than the 1.949 million recorded in the same period last year. In the industry assumes that the upward trend has been reinforced in the last quarter. Therefore, the total will double in arrears at the close of the year.

"The segments that drove the intense credit in advance of previous years are those recording the strongest growth in assets dubious. It is very significant increase in households in a situation of doubtful debts, influenced both by defaults related to housing consumption, "explained from a Spanish bank.
Savings banks are bearing the brunt

For now, the savings are suffering with greater intensity the upturn of late, due to high concentration of its lending activity in homes. According to statistics by the Bank of Spain, at the close of the third quarter of 2007 were recorded in its accounts bad loans valued at 2.283 million. A year earlier the figure was less than half (1,080 million). The rebound was mild for most banks, which began in October with 899 million, 46% more than the same month in 2006.

In the case of boxes, defaults related to housing and consumption have increased the rate of total households to 0.86%. The striking fact of the industry, because, for the first time since 1998, families are placed over the business in terms of delinquencies. On the contrary, to the surprise of some analysts, both funds as banks have seen throughout 2007 that the property sector is fulfilling its commitments regarding timeliness of payment.

Delinquencies have risen in the segment of the promoters, but much less than in households. The number of bad loans receivable amounted to 1.091 million at the end of the third quarter, a 48% increase. As with mortgages, boxes show an increase in delinquencies slightly higher than its rivals: 65%, compared to 32% of the banks.

Since all forecasts point to a gradual slowdown in lending growth and a robust collection of dubious mortgages, financial institutions will turn over the next year in the conquest of the deposits. It is the most secure source of funding for refuge from the turbulence, with real consequences are still unknown. Moody's predicts that the financial crisis will boost exports by the United States claims in most regions. The rating agency estimated that the risk of delinquency rate increased to 4.2% in 2008.

I've left this press release published today in the world economy.

the link:

http://www.elmundo.es/mundodinero/2007/12/26/economia/1198653760.html

Does anyone know the average EURIBOR date?, Will break the downhill run of the month?

jejejeje, welcome to the forum fernando. Obviously you are new as aki all bet that the December Euribor will record the year.

Good morning to all:

People spend less, but as we said in Barans # 2 will come to see where the gaps extracts spending Christmas. I fear that this year the cost of January will be particularly steep and some will be promoted as the K2. There is more to do with how the picture is the construction jobs and derivatives (ie bricks, toilets, floors ...).

Anyway, I fear that that financial intermediaries will swell to process loans during the first quarter.

A greeting to all and happy holidays.

that heavy .... I ganads the end of the year to see if the subject slightly .... 'interests will be maintained more or less, people will continue buying flats and asking mortgages (and obviously more cerbre control) and here a few months will be another item!

The average Euribor until the day in 4799 was 24%.
We will shortly present the data and the average is like today. One moment and will shortly be available. Greetings

Good morning, although the 4700 Euribor quoted at the remaining days would remain at half of 4779, well above the September 4725. So will the Euribor highest since 2001. And I fear my prediction is highly optimistic.

will come down 4.76, or I want my

End of a cycle: falling housing used in Madrid and Barcelona in 2007

http://www.eleconomista.es/espana/noticias/336697/12/07/Final-de-un-ciclo-la-vivienda-usada-cae-en-Madrid-y-Barcelona-durante-2007.html

This is slowing a bit, it's like at this time the banks are the heart shrink and give us a repiro the escabechina already been made in August and the last week of November.
wing all the sales that do not stop consumption

What is my beautiful Spain! first of all a question anyone has an effervescent aspirin? fuck that piece of hard resacón still can not be a extralimitar ... ... at least we have headaches it gives me the Johnnie Walker, not my friends who are bankers Panteones boxes and banks including eating these days the boogers , to increase the spread of the Euribor, which is the justification that they have no liquidity, so that happens to my children who come on Christmas Eve with a lack of liquidity and take the arms of waiting time before premiered on dilapidarla it reaches the slope of January, which by 2008 will be like the song of San Fermin, slope of January, February slope, slope of March, April is ... ... ... .. slope of May, June costs, costs of July starts here ... kitschy tachánnnn second half of 2008, the beginning of my prediction, gnashing of teeth, hoping that banks and the ECB made so far, the ECB with the tap closed dropper, committees maintained by clouds, committees and commissions, interest on three more points, deception of new mortgages with abusive and differential clauses attached to the first new non-payment of existing ... ... .... reducing staffing firms, companies looking to the east, illiquid companies, banks without liquidity, all debt and more debt and we know that wealth is measured in debt and here in the years of fat cows is indebted to the pointer, then All are rich in debt ... .... Merry Christmas anyway and that:
In the second half of 2008, confessed to God and take Panteones healthy bank accounts.

fernando streak takes downhill

November 2007 4.607%
October 2007 4.647%
September 2007 4.725%
August 2007 4.666%
July 2007 4.564%
June 2007 4.505%
May 2007 4.373%
April 2007 4.253%
March 2007 4.106%
4.094% February 2007
January 2007 4.064%

EURIBOR 1Year 4.75 26-12 11:06

I have asked the MAGI subidita of an interest rate half dot for next year

you know?

I have been a good boy! That will mean that little gift, seguroooo

Hello everyone.

It seems to be delaying the onset of today our dear Euribor be bridged? with a hangover? jajajaj
Greetings

Today there canyago Euribor, as we have said before ... or 25 or 26 or December 31. Festivities are Securities Dealers.

So by the end of the year, how many values are, 1?

Hello everyone.
Hi Jack in the AHE page, in the graphic of the month, is set as a day of trading, 26 and 31.
And Sopelmar which takes the trading today, the figure of 4.75 for 26-12?
Greetings.

frank, to Join the average of December, on a day out Euribor December 26 2007

http://www.infobolsa.es/v2002/DyT/DyT_Tipo.asp

if that had been cut in the budget for the holidays, but not by economic difficulties, but rather to the spirit of Christmas is because we want to sell the English court etc .... and no school in my family, give us the vagaries in the time of year we want to be when the prices are so inflated that they have 2008 on track at this stage that there is uncertainty with short-term work, inflation, next general election (more bad than good known unknown ), which gives more hope for a couple of months, throwing the house out the window at these events is crazy especially when those pulling the house you do not belong to but a bank or

and I doubt very much that people take a big ordago to stop paying the mortgage, you can live without food for several weeks (the water in this country is given away), but again where parents or in-laws do not believe that anyone and live below the bridge at least mid-winter

I do not understand it, nothing comes out on Reuters, and I put in AHE today as day trading, clopez you can tell, there is no trading or daily anyway 4.75 is a good figure.

for me it will be difficult to find in the bank you will find people of different mortgages to low, because if you do not have penalties for money, at least you gain the maximum benefit, now offer fixed up and seek to save, not offer mortgages, that demands more control in delivering money, of course ... but there are still people who want to have new mortgages are at the price they are ... as they wish and happy Christmas, but may need more luck ...
a greeting

Good morning

I think there is no data, because there are 24

http://www.bsmarkets.com/esp/doc/contents/mainEURIBOR.htm #

4.75 as well as desire is Christmas, a bajadita not bad for 0022, signing tomorrow.

Certainly I have decided, together with some extra pay ahorrillos together and just 2136 euros to repay within 10 months of mortgage quitandome (although the 2041) but I paid off almost 1200 leuros for only 2100

I bag Infobolsa website. Last year was tb party these days. And in the event but is the Euribor in Infobolsa whether it should be, xq real-time values are all in the Euribor 0.00% ... if there is value today, because I do not say anything and sew their mouths x ... but now is not here nothing moves.

I have reduced spending on food last year, I spent the evening dinner and new year and good restaurants 700 euros (us two)
This year I bought new food for years and spent 400 euros wearing ... .... Step restaurant.
Gifts in a matter of asking him to send a congratulatory gave me their friendship, which is the most beautiful and compile it and regalare in sales, last year I spent on gifts thousand euros excluding sales.
Donations to delete the e oengs least emoticons, the other because I do not think anything.
A greeting to all

Very good diasss from Barcelona. To start with Happy Holidays to all, and grateful to SCLOPEZ on this page useful as I read every day.

To which we, for the moment we are not aware that we are ahead. We just charge the extra, so with that and we get cards for all the extra expenses. The problem as they have come up there said the first and 2nd quarter 2008.

One sees many people shopping, but we look more. At home we make the invisible friend, while other years it was a chaos, everyone wanted to give everyone.

But all this is generally because the house has been thrown out the window. Guys with 20 years of Audis, currantes with cochazos as chiefs, and this is not very normal. Everyone doing peazos holiday, as we believe that life is one, must be lived to Tuti plen.

Good morning.
Wearing a business for 6 years and this is the worst of all. People think more needs to be spent. Ask a couple of weeks ago to the nearby shops that have them and would baker told me that every time sold fewer. Personally gift at Christmas or any day of the Magi. I prefer to give at any time of year and not on those dates. I wait to buy respect to sales and buy what I need. So I prepare for the upcoming lean that are less bad.
Happy holidays Forero.

I am a little lazy!
I think the big problem is what is dragging at least my case.
November: life insurance, home, the IBI, regardless of household expenses, telephone, gas, electricity,
college girls (dining, first in the school) result: the two who have saved hard, fuck.
and now tries to deal with Christmas paper, toys, dinners, etc ... Therefore: to punish in January!
Merry Christmas anyway
passing to the pump!

What that currantes have no right to cochazos and what they want?
forgiveth but which is not normal that a worker can not afford to live well
THE RIGHT TO WORK AT ALL, if not for one that works. to live better.
What do you think? the builder who has 15 years working in the work is less professional, eg. a lawyer who has taken 5 years to study the race and then takes 10 to exercise. Are not the two as professionals? Do we not deserve the two live well?
but in this country seems to be working to penalize me explain .... I am independent and I think if I step on a quarter to pay more is not it unfair that? .... my back is that if they work more.
therefore, the currant is not entitled to be given the vagaries you want, just heads, no? ¡¡¡man come
Shakira and happy Christmas # 36

Concha, is not entitled to what they want, that's the big problem if you have no right to what might be. The problem is when you want something you can not but reach the world and the Financial says if you can ... then Cagas, pq start to live beyond your capabilities, and so many people ...

I am with Shakira, there are things that can not be, even if people believe that if a lad of 20 years can not have a BMW before it has bought a house, pq are altering the cycle of things, and then clear that if I want to decent housing, etc., ... and it saves Pagala as it has been a lifetime ...

PS If you feel more autonomous and therefore pay more, but you pq autonomo, if an employee's salary will rise a quarter also pay more, is what are the tax, we can not live without them. If you do not agree, then disappointed, as do 99.99% of the autonomous not declaring all income that have or are not getting tax-deductible expenses, etc ... is in your hand.

Salu2!

I do not see the dichotomy between the country and the economist. The economist said that the Spanish "plan" to spend less (or that the article may have written the perfect November 1) trying to guess the future. The country, however simply said that families have spent "(or that the article may well have been written today), and written with real data of what we have spent
I may have planned to spend little this year and in the end, having left the pasta.
A greeting to all

Not bad ... this philosophy shell. what happens is that it does not hold with bracing or concrete. The palette that has gained a lot of dough these years can not continue taking the same train of life.

You want to compare the head and Currito earn the same and that is by definition impossible

Gentlemen, the party is over, and moved here ... there is nothing to see ... that we take God and confessed to the accounts and finances blablabla

All that we have a loan, we live beyond our means.
The problem is when no one uses a loan to create wealth and whether to purchase items that are a burden and consumption is only pure and simple.
The other day bank bill estimated at 30% a loan Downpayment (identified houses and sell them before the execution of the mortgage and speculating earned a lot of money with little expense) with these crises like losing speculators cash advance that can not afford mortgages.
Everybody knows but nobody says anything

# 39, Shakira and I think you all can not get an Audi teneis tantrum of the same and I can not.

I am a currant and I know that an audit would cost me 2,000 euros more than a Peugeot 307, (great car by the way, they have to change my hearing might choose that or a Renault or whatever) and as I have could not smoke or allow it took me 2 days after cubatas all because of Curro ole thousand Guevara.

Everyone has a right to drive high-end, because working and that each is aware of their numbers and if you go out to me ... It is now time that señoritos Andalusians were the only ones with a car guarrearse de alta gama.Ahora gracias a Dios las tornas se han cambiado ya ellos les quedan las casas viejas que no pueden mantener y que han vendido a los promotores para que respeten las fachadas y hagan pisos a los “pobres” .

Otra cosa es que te metas en algo que no puedes, yo te digo una cosa, mientras no vengan a mi a pedirme un duro que se gaste cada uno el dinero donde quiera.

#47, Anónimo soy Yo.

Yo no entiendo eso de TODO EL MUNDO TIENE DERECHO A UN COCHE DE GAMA ALTA, …, en que articulo de la constitucion lo pone, pq yo no lo he visto nunca, sera que el que trabaja y gane suficientemente dinero para pagarlo se lo comprara y el que no, no. (y financiar un coche a 10 años con letras de 400 € como he llegado a ver, no significa poder comprarse un coche).

Si estoy equivocado decirme el articulado de ese derecho, que esta misma tarde me presento en el concesionario para hacer uso de mis derechos.

Salu2!!

#42 Concha.
No, no pueden ganar lo mismo aunque trabajen las mismas horas porque la responsabilidad no es la misma y porque si permitimos que un albañil gane lo mismo que un abogado pronto nos quedaremos sin abogados.
Además para que quieremos cochazos si con uno normalito nos sobra