Recipe for Sangria

Good morning everyone!
Euribor morning at 4.55%. Hence down at the end of the year to 4%.
Greetings

Good morning

The thing that really bad, but alfinal dark tunnel I see a diffuse light.

This item comes to me and my lot, because I have my investments in equities, (with mortgage) but we are going to do, you win some and you lose, so a good smile on his face and pull forward to.

http://www.invertia.com/noticias/noticia.asp?idNoticia=1883898

Greetings

As the talisman is enfermitos we all here to give you many forces for improvement and come back soon with us miss you very much.
And not as low today at the Euribor 4.577

Hello to everyone s,

I remain the forum for quite some time but my absolute ignorance about the economy prevents me from participating with the regularity that he would like.
The issue that concerns me is the mortgage on the bridge. We have the floor for sale in March and we moved to the new, as of now we have not sold the old (and the movement is rather limited) in the bank we have recommended that the mortgage cojamos bridge for two years (Barclays, mortgage paid +0.39).
I have read quite a few negative comments on the mortgage bridge. As we explained in the bank seemed not so bad. You could explain the disadvantages?
Thanks in advance and greetings to all and to the "capo" Clopez. "
Congratulations on the forum and the website.

I come with the spirit enculator !!!!!!!!!!!!!! Euribor, today rozaras 4.5 ... .... I sense it !!!!!!!!!!!!!!!

Gradually the myths are falling silent and,

"The Euribor not rise from 3%"
"Soft Landing"
"Slight deceleration"
"In Spain there is no subprime"
"The floors can not get off"
"The Spanish banking system is sound"

and the more funny is that of:
"The industry will absorb the unemployed construction of the" ha ha, so if by magic.

CLOPEZ
"Just look at your current accounts, it is possible you have more money than a year ago, but do you feel richer?"

I have more money than last year and I'm better than last year, but I think my situation is not representative because I'm not in debt like other people.

In April we will see.

Sorry for the off topic, but I have hair like escarpias since I've heard that Ana Botella is the mayor of Madrid if the resignation of Gallardón deespués 9-M.

Now I need to do that drain into the vein ...

# 4, Marina

Lower the price a little and get rid of the floor above as soon as possible. The mortgage bridge is a trap.

Good morning, the question of the day, I have no more than last year, I maintain that it is not because I am a little more than mortgaged Spain, but my feeling is that something big will happen, and the truth, try not make any significant purchases from a few months ago, I looked at buying an LCD, but like my old tube TV is still operating ... I looked to make a cruise with my lady, that since we had been married something we've never done, we went to more modest but more vacation time, so that, as I see it, now it's time to save possible, that the fall may be coming to enter history.
Sorry for the charrada.

Buenos dias.

It is also the 1st time I write in this forum, but he still has tiempo.Queria make a pregunta.El other day I went to ask the mortgage, and I told the director of the bank were to charge me vat Euribor +0.75 The question is, the bank's commission is not high?

Greetings.

Good!

Go batacazo yesterday in the bag! and that "the Spanish financial system is healthy and is among the best in Europe ..." jua jua!
Anyway, it is clear that we always win them speculators.

Someone (type chairman of the government) should realize that our economic system's "billet and mortgage" is a very serious mistake and that we can not solve it by ... but it was estroperará the other is tourism ...

Let's see what happens today with the Euribor (scared me)

Salud2

Reading over the wire yesterday, a visitor appeared to argue that ignorance of the draft were not aware of what was the IBEX not know what it is "a Chateaubriand." Still, if you do not post any article and I could have thought that was the originator of romanticism, it could be discussed a bit (in the end was an important figure, that's undeniable, but know it is a fact that can hardly be helping us win or lose a euro), but taking into account that gave him the article and therefore, to what is referred to the plate of meat (no matter how good you are) ... Let's see when we realize in this country that the technical expertise, especially those that may amount to literacy, are also culture. (And probably a kind of culture superior because, like knowing the winner of the last big brother can be recognized as a kind of culture than knowledge of the said Chateaubriand (writer and minister of Napoleon), knowing the IBEX and its operation "grosso mode "is a kind of culture superior to the mere fact Gourmet

# 4, Marina

To find out who has the disadvantages (pq sure it does, that the bank account in ten NEVER gives away nothing, always wins), we must distinguish mortgage bridge there are many, should describe the features of this specifically:
As is the absence of the mortgage? On which apply the new or the old? Capitalizing interests? have% cancellation of the mortgage when selling? ... Have a few seconds or other things will be more or less bad mortgages, pq a day today to put your expectations on the sale of the house to pay less is very risky. Probably the situation will be that final pay more interest to the bank and that too will have to go down in price floor for sale pq you really stifled by the rush ...

Salu2!

It is more than likely that the FED by the end of the month or lower rates more or less than half a point ...
What would put at 3.75%, 0.25 lower than in Europe.

Gentlemen, is not whether the ECB will go back as usual but what is clear is that I hardly rate rises in Europe in the medium term, which means that our dear friend HORRORIBOR as being somewhat pessimistic and will stay at current levels .

_and as a reflection morning today has given me for thinking that was before the chicken or the egg ... that was before the future crisis or the election campaign .... I leave with you that it has reflections on this "crisis" (I do not see it) or political crisis.

Good morning!

I am happy for those who feel relieved by the descents of the Euribor! If you feel better is good, no? It is their main problem are as mortgaged ... and I am happy for them because I like my power mortgage. But the floors with high prices insulting, abusive and excessive I may not. Now I have left at least that is slowly recognizing the crisis, that if we are going to crush everybody, but if you can fix the price of flats and put it to levels commensurate with the salaries, because look, I am glad of the crisis!, and it is a shame for all those who carried forward, of course, a pity at the human level, but the economic level that we do not save or Euribor low, you need a correction in the economic model and we need it and, economy based on the brick and abusive tax (see canon digital) does not lead us anywhere, leisure, either. Please a bit of R & D, industry and quality of the art technology ... that the government invest more in this pasta instead of giving aid to the speculators of the brick, which already had good profits, they did, what was spent mostly in Coca leaving nothing for the bad times? is that they do not know that there are business cycles? ... shame to spend that little good day!

Sincerely, Ricardo

Marina, do not be afraid to participate in this forum. After all, I do not think that many here are economists. And even some loose every paridón this lightly ...

I see a lot of pain ... pain ...

Rony

When you put a high differential, it is usually because the funding they ask for is high (eg, over 80% of the value of valuation of the floor). Perhaps the 0.75% drop if you hire household insurance and / or livelihoods, homes your payroll, and so on. (what our friends call the banks' degree of linkage with the entity "). Paséate by several entities so that you will improve the proposal.

q I'm a little better the past, but thanks to my work progress. is not to shoot rockets, but equally, no waste, and saving what I can, not because I have all this with the atmosphere of so much uncertainty ... I tb I have a feeling that something is cooked, and as always we who looted I getting ready.

that if, if, but today we remain the same, declining further bag. I hope it is the fear of performing in the mornings and investors are espabilen from half a day and recover, because now loses about 1%. At least the dollar and the yen gaining ground against the euro. Let's see how it develops on the day.

As for the other bajadita Euribor ... today. I bet by 4.566.

Sip sangria and lots. And I repeat my question yesterday, who believes that TRANCHETES will dare to raise rates? Neither of CONAE is more, as things stand, begins to increase the possibility of having to download them, if not, the pillar of the export falls to us to lead.

To # 7, amateur:
Who do you propose to the mayor / sa?

As the mortgage market this bridge is a good tool for change at home, the commission deventajas are opening and cancellation of commission, are the only expenses. Santander Central Hispano two years ago vesting 3,4,5 years and pay only the interest, from 5 to god we take confessed .... Saludos

Marina,
Obviously, it all depends on your ability to pay and the amount for which you indebted, but I agree that the bridge mortgages are a trap, and that the sooner you remove the floor above, the better, albeit at the cost of any rebajilla . I have a couple of people who have had mortgage nearby bridge, one could sell the second month, but the other, choked by quotas, he had to sell his flat, 14 months later (if a bit stubborn ...), by 18 million pesetas less than it requested at the beginning.
Suerte!

Wondering what it was before, if the crisis or the election campaign. Unfortunately, the crisis. Even assuming that the election campaign had begun the same March 14, 2004, the crisis because he was on his way. Spain was going to step changed from the European economy, and while Central (Europe that matter) needed low interest rates to cope with their growth rates close to zero, Spain began to need more high to avoid overheating of its own . Each month the central bank has kept interest low has been a month that has worsened the situation of Spain from what would have been a simple correction to the outbreak of a bubble (now compounded by other external factors, but if we reduce, can be explained basically well).

The putada, the government has taken no action of any kind during these four years to try to cool the economy or to the batacazo (totally expected) were lower. Moreover, trying not to notice, it is speeding up even more (remember the sales of gold last year that reduced our reserves by half, or aid for rent, which increase the cost of the state in a time where revenues are not guaranteed to benefit precisely aquellso which have fewer burdens ...)

The drop in the stock market today is being too pretty. 1.3% right now with just an hour and a half open. Yet it has recovered a bit, was worse than before. Today the stock market also down over 1% and forecast to above 2% if the U.S. stock market opens to the bottom.

When EDF said if the low interest? As at the end did not get off, or get only 25 cents, the fall of the U.S. stock market and with it the European is going to be big.

Bhaal, agree with you, lowering the price of flats and funnel capital into R & D. And I'm mortgaged, but unlike many others, I bought it for a living. That is why I am delighted at the fall of the Euribor. My girlfriend and I are mileuristas, we pay a bill of EUR 1100 and by recent circumstances, we have to go by car to work. And still gives us to save a poquillo, but many little something. Sure, we have to deprive us of much entertainment. But I think in the situation we are is what you play.

Today we must all do a bit of strength, because enculator is malito. Today another bajaditaaaaaaaa.

I have opened a thread to speak of politics:
http://www.euribor.com.es/2008/01/01/elecciones-2008/
From now on, any political issue clearly made in an article will be economically removed.

Sorry, boss. I step there to answer Font

09:40 RUMORS OF A TRIM TYPES OF EMERGENCY FOR THE FED

Yesterday I ran into the American market rumors of an emergency action by the Fed, which could cut rates up to 1% in the next few days, and the apparent higher than expected economic slowdown in the U.S..

http://www.capitalbolsa.com/

# 21, K50

Precisely when the market is at the low and fears, the worst thing you can do is marcarte a time to sell (that's what you do with the mortgage bridge), you put yourself in a conditioning sales hara prisoner who later when you have to negotiate the price, 99% chance the end result is that malvenderas at the end of 2 years and if you have zero quota, now capitalize on the interest you pay and when the bandages and cancel the mortgage on the old house, so that at the end of 2 years will have had a very high cost in the sale (interest + 2 years of falling prices in order not to find mortgages 2) ...

Bad choice with the times, but as is usual, we believe what the director (commercial or shift) of the bank says as if this were the person who is going to resolve life, instead of being the person who wants to take us until the last euro on us ...

If we have what we deserve ...

Salu2!

To # 27, amateur:
What you've given?

holaaaa, we are asleep or what?
Come this club, the Euribor live in this 4.50. I remain optimistic for a handsome 4504 for not bringing the contrary. but being realistic I suppose it will be in 4568.

Rony:
It depends on your bargaining power and your relationship with the bank, if you ask more than 80% or 100% your bargaining power low, if you have no other property or collateral, if you do not have many transactions with your bank (insurance, payroll records, receipts, ...) your bargaining power low. That is, as I said the teacher Gila, if you show the bank that you do not need the money or you have twice as much as we ask, then you have bargaining power. Anyway, look at most banks, but with the credit constraint that we are not in the best of times.

Well, for now the financial institutions are also collaborating at the moment as "spoilers", as they have closed the tap of the loans to developers. Although it has not been a little deflating the balloon, and blunt manner, but without telling blow for blow with. What can this lead?, Apart from start counting the 300,000 unemployed who believes the government. If the promoters do not follow, they can not pay their mortgages earlier, if you do not pay ... What they want the financial institutions most active inmobilizados? Who is going to continue with these works half, but credit is?. I do not know but I think that the measure was expected, but ... so suddenly? This causes much damage and politicians miting ... and who cares now that?.

# 25 Resignao,

Ole, ole, and, much to encourage the two ... if my girlfriend and I had reached mileurista things clear, as you would have done if they can not be done even more terribly unfair. In addition there is another factor that is not funny and nobody is willing to sacrifice a little bit (you, yes you are apparently willing), we want everything. in short, are all factors that do not already know to what extent do good or bad things ... hopefully we will last much work and we can go running despite the coming and you can pay the floor, and I get ...

As to whether we are rich or poor but I got clear, I've saved because I have no debts but my money and my salary now worth much less than two years ago, I charged the same as now, but I was spending less on gasoline, at least go out to bars, at least daily expenses ... and also the CPI has grown increasingly ...

Greetings!

I think today and tomorrow we will have lowered 5 cents, my forecast for today at 4521

I think that today the euribo down considerably. Although when I say that low-low bit much and when I say that does not rise or CONAE, rising through the roof. Today dire 4.565

# 29 EURIBOR +0.69
But the person who bought a house and have a fixed delivery date and can not sell what you do is only to prolong the possibility of finding a buyer, the time to sell is already marked by the delivery of the new house, otherwise is that you have not seen anything yet because the first purchase and then sells but people who have bought the house and surrender is left with no immediate solucion.SALU2

The Fed did not meet today to lower =??????????

good

Well I say that today we stayed at 4.560

one of the specialists at the forum, think that this news can impact something in the economy or the economy passsa of politics.

Be bad.

We are with the paranoia of whether low or raise the Euribor (0.50) and I think that is what has less importance in this very grave situation in spain

I think we also cook something, but that Ostion that will come will come after the elections? or before? I do not know, epro of time I'm not spending a hard, I have not gone on sale, I have not bought clothes or disc, or just ná ... I plan a trip and DQ does not leak if you can not jejje, I have the kalcetin I will rebentar ke!
I'm going to the gym and then we are bad times to invest in stock market

# 36, K50

1 error, was purchased without having sold before.
2nd fijate that if I buy from that and until the date on which he delivered the house has failed to sell, it makes you think that now will be different (when the sales outlook is worse now than a year ago).
3 Calculate the interest you pay for 2 years plus the cost of lack of openness + cancellation of the mortgage, etc. ... sumalos and restaselo the sale price of the floor, probably gonna priced "sweet tooth" to a buyer accesses to buy housing in a couple of months maximum. Your problem you take away the future and not lose money.

I agree with you is that if the time comes you say is the option that you have a choice, but it is not a good option is that it is the only option you have.

To avoid this, there are remedies to be put before it reaches the problem (see case 3), but we are very clear in Spain to resolve things given to the last day and in this case can not be.

Salu2!

Then again be very optimistic, but we are in good run and I can not less. Not at all to fall much further for now, but today I bet for a low chula 4555.

Following on from those who said Excel ... ..
I believe that if the FED lower rates at 1% is the most certain that the ECB also decided to lower them .... is not, to see what the rest think.
Do you know if there is any news about it?

# 26, Carlos Lopez

very good idea uncle, who sends it being noticed.

clopez:

outstanding issues ... comments and jejejeej place votes from provisional below half of the daily value of the Euribor plisssss ...! thanksss

# 5, jdx ... ... ... .. 4.500
# 19, Resignao ... 4.566
# 31, mariabel ... 4568 and 4504
# 34, Murdok ... .. 4.521
# 35, Kane ... ... ... 4.565
# 38, elias ... ... ... 4.560
# 42, optimistic ... 4.555

if someone needed to be added to the list, jeje

My prediction
4570

Hello everybody,

One question: if tuvierais 6000 euro ... where invertiríais to get the most out? Shells? Which bank recomendáis me?

Thank you!

Thanks Bhaal, I think that this way of thinking is that we can get trouble, as things stand.

Indeed, what the car ads is like the toys before kings, at all hours. ¿Sales have dropped so much?

Another question, today was when unemployment data came out of germany? Or was it yesterday?

Finally, the bag now a lost 1.28%.

4572