The singer Rita.

We have to see how moving the times (starting with a sentence of grandfather). Already we see from the announcement of Finance and true. Before we had to spend hours and hours to make the income tax return and now we send it home for the sign and go through box (or it will be returned as relief for the mortgage). And yet in the 90 had the power of "Rita" the powerful computer of the ministry of finance. Let's see what was written back in the year 96.

Rita did not know everything, but frightened. To this woman's name, Jose Borrell, during her finance secretary, named to the powerful computer of the Tax Agency. It was like Big Brother Orwellian. No one, was presumed, beyond its tentacles auscultadores. Neither the very Lola Flores, then Faraona of Spain. "With Rita was an attempt to put fear into the body to the people," recalls economist Fernando Martin, then inspector and, since 1990, as a professional independent tax adviser.

The less curious, that Rita, the name of singer, metiese behind bars for more folklore folk.

A ministry has always liked to name a woman to computers, and the interior is named Clara who retired prior to that was named Berta. Computer so powerful that even investigated (in 2006) if it produced cancer since many players who used it ended up with tumors.

The newly created Service and Infectious Diseases Act of the General Directorate of Police has opened an internal investigation this week to determine if the cancer diagnosed twelve players and officials assigned to the Data Processing Center of El Escorial (Madrid), the largest Spain, is caused by radiation present in these high-tech facilities. Five policemen of this complex have died from malignant tumors in the past five years.

We have at our particular Berta is the interesting story and told us that our reader 'Mano H20 "and was voted a comment of the week, with its consequent award of the" Air Guitar ".

Without a doubt, at least for reflection.

Today I did not accompany neither optimism nor a sense of humor.
The reason is that BERTA gone.
Berta is a brood of four years of college companion of my daughter. It is often a girl size, nice and lively eyes. That kind of eyes that accompanies the kids to hunger and other life circumstances espabilan forcibly.
On occasion, to pick up at school with my daughter, I have coincided with the mother of Berta. Appears to be about forty years, but I think it must be no older than 26 or 27. It's too worn out by life and three young children. The largest of them, Berta.
This woman I am convinced that there has never heard of or Trich Bernanke. Neither of the Federal Reserve. If I ever would have said the ECB would probably have thought that he was talking about any supermarket chain.
I know of her husband. It only works in a company matricería, this sector is also seriously concerned by the emerging economies.
Berta's mother does not know what is an emerging economy. Only knows the economics of subsistence. The day to day. The month to month.
Three years ago this company was going well. I think now is bad, very bad.
Three years ago, parents of Berta bought at the price of a hovel palace of Versailles. I liked the area and sought, without doubt, to develop his family in a quiet environment. Just that. What they bought, and it is because I know my wife is a flat no more than 60 meters in a building about 40 years. The floor was a pigsty and they will, with effort and abrasive adecentaron that antrum. Berta because parents are those who ennoble a pigsty with his mere presence.
On several occasions, other than parents of other students, we have helped the family of Berta cediéndoles things that we abound: clothes, cribs, furniture and other stuff we are made unnecessary after a short period of time (things that probably were unnecessary from the beginning).
What we learned yesterday is that Berta's parents have come to raise the rate of late payments from a bank. Three months ago, who can not pay the monthly fee for your mortgage. Apparently have sought to renegotiate terms with its bank, but the only thing we have is going into the centrifuge of the debts with a powerful being called BANK. They had to choose: either eat or pay the bank. We know that for their daughters, they chose to eat.
Now we also know that they have abandoned everything. We now know where they are.
Berta will not go to school more. Is that my daughter will ask, sooner or later, why not go to class her friend, that if you are malita. And the truth is that it is not what it can to a girl four years in this situation. I imagine it will have to be a pious lie. Or perhaps, she will have to discover for themselves the reality, as far as we reach this crisis that we are beginning to pour over all. Because this is like a tsunami: we do not know where to get water. Today some of us to reach the knee. The parents of Berta has passed them over the head. How far we will reach us closer to the front?
Today, after the holiday yesterday, a chair will be empty in the class of my daughter. Maybe the teacher is agile and the allocation of officers to be noticed less. But the kids are more ready for what we think sometimes.
Today we fear the return of my daughter's school. I fear your questions, which are always clear and direct.
Today I care less, or maybe more, the price of a barrel, the value of Euribor or where you're going to breakfast Trich. Today alone I remember that little of it is not whether we will see. We do not know if happy smile on his innocence because his parents have said they are traveling, or if you want to cry because they see their friends in class.
Finally, for those of you who enjoy aparentáis daily with the misfortunes of others, for those who feel more pleasure with these things with a good cold beer in summer ... ... Remember, please, that beer you today to the tomaréis the health of a girl of four years. Remember, please.

Just a summary of news:

The unemployment rate soared to 9.6% in March, the highest level since 2005
Solbes / avisa/morosidad/puede/aumentar/forma/brusca/elpepueco/20080425elpepieco_2/Tes "> Solbes warns that late payments could increase so sharply
Money / 2008/04/24/economia/1209061310.html "> The IMF said that the 'backwardness' of the mortgage market in Spain will cushion the crisis
The trader has years of work: Kerviel is placed on LCA

Good weekend to all.

Update: The government cut the growth forecast 8 tenths, to 2.3%

(No votes)

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Written by Carlos Lopez on April 25, 2008 with 241 points.

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241 reviews

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# 1, Iker065

April 25, 2008, at 9:18.

246,600 more unemployed people ... God take confessed

Now there is no choice but to make the ball to the head, to hold some fellow jackass, do overtime and ask that you keep pulling up the thing that improve or find something Better?

Bad times for lirica ...

Suerte!

+23

# 2, Dinky

April 25, 2008, at 9:22.

What irony,

Today we must say "Orwellian big brother" for people to distinguish what the "big brother telebasuril"

If it is, as Machado said: "In Spain, heads of ten, nine embisten"

Good weekend!

+64

# 3, PLL

April 25, 2008, at 9:29.

Hello,
Took time reading this forum and I liked to do it, but after seeing numerous comments "for me" out of place, I turned away to read it. And why do you say?
Well, my reason is none other than the one outlined in the article today. In this boat sailed all and all must solve it as far as we are concerned, do not forget that this is like a domino, when it fell a tab, go all behind.
A greeting to all,
Mortgaged, leased, people who live with their father and everyone in general ...
PD Animo Carlos, still with your great articles.

+37

# 4, TonySkl

April 25, 2008, at 9:34.

Often picture ...

- By being born in the 80s my entry into the world of work entailed a salary of mileurista.
- By being born in the 80 I've been part of the housing market.
- For those born at 80 ... can I stay without a pension?

http://www.cotizalia.com/cache/2008/04/25/63_fidalgo_ponemos_acuerdo_pueden_pagar_pensiones.html

Data on unemployment ... we have not bottomed out yet ...

+12

# 5, TRANCHETES

April 25, 2008, at 9:35.

The location of this girl Berta, is the situation of many people and more that neither of us imagined, poverty often is not only in Africa or poor countries, we have it next to ours, with people who we think is right and passes hardship. At the end of last month with some friends of mine asked me three children provided 100 euros failed because at the end of mes.Cuando someone calls 100 euros is because it is at least 500. It is sad, bad work, mortgages, we are drowning and may have to return to work to plant potatoes and olive trees to be able to eat in this step, which it has anything to land. That's sad, so we thought Cool. "I have a duplex penthouse and a four by four, that is." Sorry you need a duplex penthouse that is going to cost you three times its value and the same with the stroller. Let's see if we start to see who is who, what rich and poor has been provided, the difference is that the rich that it has paid and you do not. The rich in this era will bring the belt a hole and the other we die of hunger. The problem with this is that people do not pay us to shape what we can, we want more and now we are paying. Very strong. Good going, I do not want to be so pessimistic ...

+72

# 6, mario

April 25, 2008, at 9:38.

Spain (44 MM inhabitants) destroys 246,600 jobs a month.
USA (300 inhabitants) destroys 80,000 jobs is three months.

ZP, February 7, 2008:
"Everyone knows that there are problems in the U.S. economy, which have moved to Europe and therefore also to Spain"
http://www.publico.es/045928/zapatero/no/crisis/economica

+38

# 7, Fausto

April 25, 2008, at 9:38.

Well .... because those who are asked to raise rates and you can go off ....

http://lta.reuters.com/article/businessNews/idLTAN2417863720080424

# 8, Haa

April 25, 2008, at 9:40.

GOOD DAYS FOR ALL !!!!! .... Beyond the predictions of doom ads and greater evils, LIFE CONTINUES, and therefore if we have family or friends to share the day to day, thank God will support us where each the others ... ... ... .... as always feel that not everything can be so bad for all the people who bought a sheltering roof where their loved ones, without any financial or elucubraciones mediate or immediate, just thinking and feeling that he was doing what is best for all of yours, that is simply having a home where they live ... ... I feel that better times will come and all the people who work hard and honestly every day to pay all their obligations because they have their reward despite being troubled times in which each member of each family will have to adjust their belts, they will do so with dignity and not fail like that they are failing in these moments with so many deceptions as they have done, such as banks and all those who are trying to do through unfortunate news operations that do not do is confuse rather than try to continue fooling the people ... ... ... ... GOOD WEEKEND, THE BETTER LUCK and for all!! ... ... ..

+15

# 9, Mickey Mouse

April 25, 2008, at 9:40.

It is not my intention to defend the developers. Many of which have been made of gold with slightly nauseating practice (well, at the level of paaís of parties and the municipalities and communities, but a paaraabola go ahead.

Once upon a time a village where there was a factory. fáabrica that gave trabaajo to paarte good of the people. A manufactured product of high demand and the owner of the factory knowing its population control wages paid flojitos Aal and was caught by people ... noses.

Suddenly descaseo demand for that product in much of the rest of the country. Where it had been selling 100 units sold rose to 95. Worse still prodduciendo the factory. Demand continued to fall to 90, 85, 80, 75. And the stores began to fill.

Everyone hated the employer to pay wages adjusted had two Rolls, a Ferrari and an Aston Martin, plus a heated pool and two tennis courts. A clay and carpet.

He had to sell one of their cars and people rejoiced. He has come to this pig its San Martin.

The employer asked assists the government and the Ayuntamniento. They rebelled, saying the masses. After you have bleeding years of work, now wants to help you continue living like a king. The wave of outrage grew and the prosecutor was launched, detected irregularities in their negocioss, tax fraud and illegal workers.

He was quoted before the judge and spent their first nights in jail. All rebosaban of joy. At the end justice was done.

Not only did not give créditoss, but was accused of several crimes and was called years of jail and fines for their near and collaborators.

Logically the fábricaa closed and filed for bancaarrota.

A quarter of people lost their jobs. Throughout the following months closed super markets, shops for furniture, broken small developers who construin 10 or 12 chalets (remember that it was a small town). The dealers of cars and shops poured electrodomesticos amuchos of its employees.

After two years, unemployment in the village reached almost 50%. What had been a thriving regional center eraa now a wasteland.

Moral: HAVE MANY TROPELÍAS ROLE IN URBAN AREA IN ENGLISH THE PAST YEARS, BUT HAVE GIVEN UP WORK AND COLLATERAL HAVE MUCH TO MINING BUSINESS OR WITH AUXILIARY. They have created wealth.

Departure: Difficult, but as sharp as we were the house of cards collapses. It's not that we should all pay our taxes with which these men (around gulfs and other normal business secillamenete) does not go adrift, but if that ferrea them a helping hand with financieera discipline and tact on the part of the Governments national, regional and Premises can contribute to the disaster is not so much.

That may buy the flats at cost by the authorities, which would save your cash and credit and put them on sale almost no room to provide shelter to those without large pockets of young prospects with the current prices could fix the break .

Ojo, with the new rogue traders, those who benefit cpon a floor which are really sedeban benefit.

It is not the solution but justaa, but like the most pragmatic and beneficial in the long term for everyone.

Or like this is a great stupidity. PLIS opinion but not insulteis

+15

# 10, Fausto

April 25, 2008, at 9:44.

Paro breakdown:

According to a press release from the National Statistics Institute (INE), the number of unemployed in the first quarter of 2008 increased by 246,600 people compared with the previous quarter and stands at 2,174,200. The unemployment rate climbs more than a point, until 9.63%. The number of unemployed has increased by 318,100 people in the last 12 months.

Unemployment is increasing more among men (139,400) than females (107,300). The unemployment rate for men is 7.87%, which represents more than one point increase over the fourth quarter of 2007. For women rises almost a point and stands at 11.99%.

Unemployment is growing at 149,600 people between the Spaniards and 97,000 among foreigners. The unemployment rate for the Spaniards is 8.73% (77 hundredths higher than the previous quarter) and those of foreign 14.65% (2.27 points higher).

Unemployment is growing in all age groups this quarter. The largest increase in absolute value is between people 25 to 54 years, with 176,400 more unemployed.

Compared with the previous quarter, unemployment rises in the services sector at 96,300 people, 71,100 in construction and in industry in 27,800. Instead, drops in agriculture in 2,300 people. The number of unemployed who lost their jobs for more than a year increased by 41,400. Among those who are seeking their first job, unemployment has increased by 12,200.

# 11, Fausto

April 25, 2008, at 9:49.

A Noyer you catch a group of mortgaged and this is the result:
The recent increases in interest rates in the money market are abnormal and pose a concern for central banks, said the counselor of the European Central Bank, Christian Noyer.

In an interview with the Wall Street Journal, Noyer said that the recent rise in Euribor rates, which act as a benchmark for interbank costs, could not be tolerated.

"This situation is not something that we consider normal or appropriate," he said, according to information published on the website of the newspaper.

----------------------
The rise in the Euribor is proportional to the collejas that they will fall to the bankers.

+10

# 12, llenodedudas + e

April 25, 2008, at 9:49.

Berta has always existed (The rate of delinquencies has never been 0), then that is what concerns us so much?

That now-more Berta?
-That there are more now as we see it up close and scares us become a more Berta?

The problem has always existed, tear their hair out by an issue of quantity or proximity seems to me a bit cynical.

The problem is very substantive, who manages the world and how we handle us. Now that we see around us to throw all their hair, but I thought of Bertha 3 years ago with revaluations of 10% per annum?.

But do not worry too much, those who manage the threads will not allow ... We drown. God squeezes but not drowning, because if not I would be for them to eat?

+29

# 13, Villa

April 25, 2008, at 9:50.

A preguntilla that has nothing to do with today's topic, but there is ....

I have calculated the contributions of my mortgage at a table excel and the final share me agrees with that tells me my bank, but using formulas PAGOPRIN and PAGOINT, the share of interest / capital I do not coincide, by little, but logically it is in their favor, it may be possible?

-2

# 14, Loquehayquever

April 25, 2008, at 9:51.

# 9, Mickey Mouse

And the cash and credits that would become "the authorities" who would save?
No thanks! Which governs all alone please. For me and I have stolen enough.

# 15, poor enculator

April 25, 2008, at 9:51.

I believe that a solution to end the crisis would be ...

That the taxes paid by the State!

-3

# 16, Krack

April 25, 2008, at 9:55.

The unemployment rate well! ... Especially in terms of Solbes said yesterday that it's around 10% this year. I do not know what is worse is that if the hearing or the nose. Well yes, what is worse than in the same data from the INE:
families in which ALL ARE IN UNEMPLOYMENT has risen by 16.04% over the previous quarter and 24.01% over the same quarter last year. Thank God that we are the best-managed economy, which is only a slowdown and that there is a surplus ... what surplus uf! BERTA well knows, bro.

# 17, LDP

April 25, 2008, at 10:05.

Hello again,
Not because you have asked, if the whole world is in crisis, every day comes news of a different bank, which increases its profit by 20%.
One possible solution to our problem "I also believe my own" Did not happen because the banks no longer speculate with our money?
Greetings

# 18, Fausto

April 25, 2008, at 10:06.

# 15, poor enculator

That and the españolito to walk to see the work that had not previously wanted to be this europe and be on the mushrooms worth slightly more you are ready to accept.

Example, in cataluña about 4 years ago in the province of lleida no one was hired for the collection of pears, tubieron that bring immigrants and even so many were left rotting on the trees.

In summary .... Curran to what you can!

I, of humorist, I got this

+17

# 19, charioteer

April 25, 2008, at 10:10.

Totally agree with # 5 TRANCHETES.
It is high time we put each in our place. While it is unfortunate the situation of freedom of this country, for me it is not at all the predictable bad unfortunate situation for all those who wanted to live beyond its means boasting of attic / pisazo / chaletazo + 4 x 4 + 2.0 TDI saloon + Plasma + ...

One thing must be clear: we are all here to sign older loans, so all must be older to pay for them. What happens, and I say again, is that in this country there is a huge financial ignorance. We do not know and what is worse, we do not want to know. However, when painted on all clubs and we regret we complain ...

So we are going. Has already said it # 2 dynky with the words of the great Machado: "In Spain, head of ten, nine embisten."

+28

# 20, mario

April 25, 2008, at 10:11.

The monetary aggregate M3 rises 10.3%
10:05 The annual growth in March of the monetary aggregate M3 of the euro zone increased by 10.3% as released today by the European Central Bank, below expectations of the poll Reuters he expected 10.8%.

Well, not this evil TRANCHETES ... you seen this?

-1

# 21, Rodolfo

April 25, 2008, at 10:12.

Privatize profits and socialize losses NO PLEASE!.

# 9, Mickey Mouse

So you want to continue allowing the corruption super-lived so far to keep the "same" standard of living?
That standard of living that has made my girlfriend (26 years, 1200 × 16) and I (28 years, 1700 × 14) we can not raise a family?

Basically because we are born in the 80s, because we have "taken" to have job stability "fine" paid, because we're doing numbers of Barcelona ... we are not having a child, almost two years ago and came out looking flat and a share of its entire salary (other insurance, services, clothing, food, taxes, etc.). and before an unexpected (dismissal) because we stayed at Boling.

It was about time that all this change ... but to look far.

+27

# 22, Fausto

April 25, 2008, at 10:18.

# 20 mario

That and this: Credit to the private sector in March in the Euro zone. Fact: 10.8% a / a. Previous figure: 11.0%% a / a.

To that after not say that there is no contraction of credit ... we are going to put a wafer (yes, with "h": P) of a pair of nose

# 23, erg

April 25, 2008, at 10:18.

Good morning, I started to read the forum and already depressed me, but I read good reviews from time to time optimistic that encourage me a little bit and I continue reading ...

But when I read these among other things, I hallucinogenic:
"That's sad, so we thought Cool." I have a duplex penthouse and a four by four, namely "

Is that we are all stupid or what? I do not conzco anyone well, that just living or thinking about having it appear, do not say they do not exist of course yes, but also we exist is that people who save and spend as much as possible and has no cochazos not want to appear live, want to live in a house with dignity and be able to come to an end months of quiet.

# 4 Tonyskl, because I am one of those 60 and I have the same questions that you, is not a question of age.

# 12: "But do not worry too much, those who manage the threads will not allow ... We drown. God squeezes but not drowning, because if not I would be for them to eat? "

I'm with you we will not stop falling to the bottom, we will fish again, as it always has been.

I'm going to palm over 20 euros share: disgust fat.
Take a few rods with my friends tonight: it is priceless.
It's what makes me be happy.

Good morning everyone,

ah and you can inflarme a negative is Friday!

+38

# 24, MACGREGOR

April 25, 2008, at 10:19.

Again I put this message to see if I get response from CLOPEZ.

Well, more than a response to know that what you read.

I think it would be interesting to show the positives and negatives of each message, instead of showing the sum of both.
So sabríamos the total number of votes, those who think alike and those who are against what is stated in each message.

A greeting to all.

+45

# 25, village people

April 25, 2008, at 10:19.

Moral: HAVE MANY TROPELÍAS ROLE IN URBAN AREA IN ENGLISH THE PAST YEARS, BUT HAVE GIVEN UP WORK AND COLLATERAL HAVE MUCH TO MINING BUSINESS OR WITH AUXILIARY. They have created wealth.

That is the trap that seems to have created wealth. Just have built houses and to build them have created a lot of debt. By the way, you use that argument is very perverse, has always been used to justify all sorts of tropelías.

The same could be said of a slave and his slaves. If the slave disappears, no one food to the slaves, ergo continue enslaving the slave is the least bad solution. True that this does not just sound good?

+44

# 26, Fausto

April 25, 2008, at 10:20.

Trichet said that to sink the euro .... that is removed? xD Not even if it does sabra. If it sinks the Euribor will send a letter of thanks!

# 27, Percussion

April 25, 2008, at 10:25.

What gives penit Berta, her mom and her cousin Adelaide.

But Berta's parents were left lead and they believed should do what the majority: BUY WITH MONEY THAT IS NOT TUYO. Buy, buy, buy. Although it is a hovel, buy. Why can not I lose money. Because I go out and win. Because the floor ever downward. Buy, buy.

If papaítos Berta had rented, as the conservative, would not be in that situation, but obviously not now have an active ownership.

Two or three years ago this victimhood that now arises suddenly was covered by a mantle of pride and even arrogance:

- Last year I bought for twenty and my neighbor has just sold for thirty.
- In a couple of years I have brought this to 18 kilos and I move to a house in such and such.
- Yes, I am not going to sell it because it is to live, but I prefer worth 80 kilos.
- You are pulling their money on rent, only fools rent (ridicule).

Frankly, unless injustices point, I am not feel sorry for anyone who regret having bought.

And you do not throw the blame on banks by "crooks" or "trickster". Those who were left "mislead", a council:

If you stop on the road a few gentlemen dressed in green and you say this is proof of alcohol and removed a cylindrical apparatus and say "suck here," DO NOT do. This is not an alcohol test, really. The device must be rather square and you have to blow, not suck. Okay?

# 28, poor enculator

April 25, 2008, at 10:27.

# 24, MACGREGOR

I find good idea ...

+11

# 29, Dr.Divago

April 25, 2008, at 10:27.

Good morning.

With regard to:

"The IMF said that the 'backwardness' of the mortgage market in Spain will cushion the crisis."

Frankly I do not understand what they mean to me and they are the kind of comments are being said but good to say.

I think the news of the day is the unemployment rate and despite the fact that many people did not seem like anything that is negative to say anything that differs from the state of "Alice in Wonderland country" I will put a link I read yesterday and that seen Expansión with calm and tranquility can be useful to more than one / a.

It is called God, I've been fired! and tries to cope with it as a situation.

http://www.expansion.com/edicion/exp/opinion/es/desarrollo/1115699.html

# 30, TIMOIPC

April 25, 2008, at 10:35.

It seems that there are only cases of defaulting on mortgages that have gone to STOP ... but what if it were defaulting on rent? What if someone can not pay the rent for being unemployed?

Nor can you go to hire more cheaply because otherwise you ask Payroll and which also endorses these technically on the street.

Solo quien tenga dinero ahorrado podrá sobrevivir, sea en hipoteca o alquiler. Que también hay mucha gente que vive al día en alquiler. No todos los alquilados disponen de grandes sueldos, empleos fijos y grandes ahorros en fondos e inversiones como los que hay en este foro, que dicen a los 4 vientos lo bien que se esta en alquiler. Se esta bien con DINERO, sea alquiler o Hipoteca.

Que si, que los cipotecados tienen deuda. Que mas da ya cuando estas en la calle. Cuando ya te has empapado cuando llueve ya no te importa ir sin paraguas..

+32

# 31 , Fausto

25 de Abril de 2008, a las 10:36.

#27, Percutor

Tu no carburas?????

“Si los papaítos de Berta hubieran alquilado, como los prudentes, no estarían en esa situación, aunque obviamente ahora no tendrían un activo en propiedad.”

Alquilar como los prudentes???? Uy pues yo no soy prudente porque compre y fijate tu que me da para vivir como un marques.

Mira, decir que quien compra es un borrego es ser mas borrego aun, hay formas de comprar y no quemarse en la hogera, del mismo modo que hay formas de alquilar y luego quedarse en la calle.

Solo espero que si tu estas alquilado tu arrendador no tenga hijos porque como se queden sin un techo donde vivir ya me diras quien se quedara en la calle.

Saludos y piensa que no todos los hipotecados lo hicimos a la subprime, ninjas en los tebeos tnks.

# 32 , Carlos Lopez

25 de Abril de 2008, a las 10:42.

#24, MACGREGOR
Miraré si puedo hacerlo aunque creo que se escapa un poco de mis conocimientos…

+11

# 33 , Atila, rey de los anos

25 de Abril de 2008, a las 10:43.

Hola hola, amiguitos!

Esta mañana me ha dado por ir en coche al curro (algo que no suelo hacer por conciencia ecológica, economía y atascos, en ese orden) y venía escuchando la cadena del grupo PRISOE, donde había acudido como invitado el alcalde de Castellón.

El tío ni corto ni perezoso reconocía que la economía de Castellón está basada en la tochana y se lamentaba del frenazo brusco que ha pegado y de lo pobrecitos que eran, como si ellos fueran las víctimas. Me volvió a llamar la atención que volvieran a hablar de que el estado debería iniciar más VPO para mantener esto a flote.

Si ahora se incrementa la VPO, se condenará al estado a la ruina más absoluta (ahora estan en ruina las entidades privadas, pero las cuentas del estado al menos están saneadas). Explicaré por qué VPO en propiedad ahora sería una estafa para todos:

- No hay necesidad de VPO : había necesidad cuando los pisos subían un 20% anual y había escasez de viviendas. Ahora, con cientos de miles de viviendas en stock, tan sólo hay que dejar que el mercado se autoregule a la baja para que estas sean accesibles.

- Es un negocio para unos pocos que pagamos entre todos : Las comunidades incrementan el precio artificialmente para dar más rentabilidad a los constructores. Una VPO ahora vale como una vivienda libre hace 4 años, en plena burbuja.

- Arruinará las arcas del estado : ahora no hay necesidad de construir. Se ha construido en exceso durante estos años y hay un gran stock de viviendas que no encuentran salida. Construir más VPO supondrá gastar miles de millones en algo que no es necesario. Si en plena crisis, cuando el estado deja de ingresar dinero en impuestos y tiene que gastar más en prestaciones sociales como el paro, si añadimos las millonadas que habrá que gastar en viviendas que no se necesitan, se llevará al estado a la bancarrota.

Pero bueno, con estas acciones, el gobierno podrá “amortiguar” las estadísticas de cara a la opinión pública. La plebe estará contenta porque pensará que las cosas se pueden mantener. Los constructores felices de poder seguir forrándose, en vez de a costa del sudor cipotecado, a costa del estado. Y yo feliz porque, cuanto más se intente prolongar la agonía y más cortoplacistas seamos en la economía personal y estatal, el día que nos la peguemos yo veré todavía más dolor, muchisimo dolor…

Será a degüello y sin prisioneros, por borrregazzzos, avariciosos y analfabetos…

+83

# 34 , Fausto

25 de Abril de 2008, a las 10:47.

#33, Atila, rey de los anos

Atila, ayer en el 200 te pregunte que de donde era tu empresa y de que para y cito “poder ver el infierno desde el balcon de tu casero”. Pompas funebres? cobrador del frac?

-3

# 35 , Preocupado

25 de Abril de 2008, a las 10:52.

#27, Percutor
Me quedo con estas frases tuyas:

“Sinceramente, salvo injusticias puntuales, a mí no me da pena nadie que se lamente por haber comprado.”

Para mi, injusticias puntuales han sido buena parte de los hipotecados de los últimos años. Los casos puntuales (que igualmente no serán pocos), han sido los que se han hipotecado para una casa, coche, viaje, tele, etc… estos son los que a mi no me dan ninguna pena.

“Y que no le echen la culpa a los bancos por “estafadores” o “embaucadores”.

No… si la culpa la tendrá aquel pobre currante, con escasos conocimientos financieros (y ni ganas ni posibilidad de tenerlos), que con la SANA INTENCION de adquirir una vivienda, se dirigió a un banco para que le asesorasen y ayudasen… y se encontró con que se la metieron doblada.

El pobre currante no tenia ni idea de quien era el tranchete, ni de tipos de interés, ni de evoluciones históricas de los mismos, ni de cálculo de cuotas, ni datos históricos de paro/empleo/crisis ni nada de nada…

El banco si tenia todos estos datos, junto con el estudio financiero del pobre currante; y aun viendo que ese hombre pretendia comprar un bien sobrevalorado, con una tasación falseada para meter el 100% de la vivienda más gastos… (si el banco no le dijo también que podia meter más para otros gastos extras)…
y aun sabiendo que le estaba ofreciendo un préstamo con unos tipos de interés inusualmente bajos… que podian subir en un futuro.
y aun viendo que el pobre currante se hipotecaba al límite o por encima de sus posibilidades…
LE CONCEDIO EL PRESTAMO!!!

Pero claro, el malo de la película es el maldito currante, ignorante, estúpido y necio como el sólo, QUE FIRMO EL PRESTAMO.
…y el bueno de la película es el pobrecito banco, que con conocimientos de lo que podía pasar LE CONCEDIO EL PRESTAMO.

De verdad que a algunos de este foro cada dia os entiendo menos. No os quito la razón que en algunos casos el que firmó lo hizo a sabiendas de dónde se metia… pero de ahí a la mania que teneis algunos de generalizar…

…y por favor no me salgais que la misma historia de siempre “haberse informado antes”. No todo el mundo puede hacerlo, ni tiene la suficiente capacidad para digerir toda la información financiera que le llega.

+26

# 36 , Euribor te queremos arriba

25 de Abril de 2008, a las 10:56.

ese 5 ese 5 ya

-36

# 37 , marengo

25 de Abril de 2008, a las 10:57.

Cierto que puede ocurrir lo de Japón o lo de USA en estos momentos. Los bancos no son gilipollas. Cuando han concendido préstamos de hasta el 120% del valor de tasación es porque creen que la vivienda a la larga SIEMPRE SUBE. En diciembre de 2009 veremos el cambio de tendencia. Tiempo al tiempo.

-5

# 38 , isolda

25 de Abril de 2008, a las 10:57.

Acabo de leer el comentario de Dr.Divago y acabo de alucinar con el último párrafo, el de despedir a la gente por teléfono y con una máquina encima con lo que jo.den. Ahora ya ni te despiden a la cara, hay ke joerse, dentro de nada nos llegara un sms cuando estemos durmiendo o algo así. Apuf.

# 39 , ergi

25 de Abril de 2008, a las 11:00.

Estoy de acuerdo con Atila, el gobierno va a salvar a los pobrecitos constructores poniendolos como locos a construir VPO, pero claro para eso primero ya se han encargado las CCAA de subir el precio del módulo para que les sea rentable, con lo cual al final cuanto van a costar? quien va a poder acceder a ellas?

Esto son las ayudas a los ciudadanos. Y que aumentes los años de la hipoteca. Ole y ole!

+12

# 40 , marengo

25 de Abril de 2008, a las 11:03.

#35, Preocupado

Escribes:

“El banco si tenia todos estos datos, junto con el estudio financiero del pobre currante; y aun viendo que ese hombre pretendia comprar un bien sobrevalorado, con una tasación falseada para meter el 100% de la vivienda más gastos… (si el banco no le dijo también que podia meter más para otros gastos extras)…
y aun sabiendo que le estaba ofreciendo un préstamo con unos tipos de interés inusualmente bajos… que podian subir en un futuro.
y aun viendo que el pobre currante se hipotecaba al límite o por encima de sus posibilidades…
LE CONCEDIO EL PRESTAMO!!!”

Pregunta: ¿ Por qué crees que el banco le concede el préstamo?
Si comomentas el pobre currante no va a poder afrontar el préstamos… ¿Dónde está el beneficio del banco?

Siento curiosidad por la respuesta

# 41 , Daniel g

25 de Abril de 2008, a las 11:03.

y el euribor de hoy?

-2

# 42 , aleale

25 de Abril de 2008, a las 11:03.

26fausto
de donde has sacado la noticia del hundimiento del euro que dice Trichet?
y otra:
hay alguna base para saber si influiria en una bajada de tipos?

# 43 , Fausto

25 de Abril de 2008, a las 11:03.

SESION 25/04/2008 11:11

Tipo Medio
Euribor Semana 4,255
Euribor 1 Mes 4,387
Euribor 2 Meses 4,604
Euribor 3 Meses 4,847
Euribor 6 Meses 4,881
Euribor 12 Meses 4,964

Eonia 24/04/2008 4,027

# 44 , Vanessa

25 de Abril de 2008, a las 11:05.

¿Hacer la pelota al jefe?
¿Oye trabajarías unas horitas extras más ya que hemos tenido que parar gente? Si wana esto en las oficinas y claramente cobrandolas a una miiii…….. no sigo. A pié de obra ves a los obreros (peones) lavando el todoterreno al jefe de obra o encargados y su lema ahora mismo es el siguiente: Matate a trabajar, se el mejor así no te echarán uno de los primeros.
EPOCA DORADA CUANDO UN OFICIAL 1ª ALBAÑIL DE AJUSTE PODRÍA COBRAR AL MES 5000€ SI NO ME HE EQUIVOCADO. AHORA NO PASA NADA POR 1200€ A JORNAL. DIOSSSSSSSSSSSSSS que le dirán ahora a sus señoras a las cuales hacían creer que cobraban 1200€ y el resto era para máquinas, tabaco permitido y el que no esta legal y pu perdón clópez.

# 45 , Fausto

25 de Abril de 2008, a las 11:06.

#42, aleale

Ayer aparecio trichet diciendo que estaba preocupado por como estaba el euro respecto al dolar.

Creo que aparte de por como estan los alemanes es porque la FED hara supuestamente su ultima rebaja de tasas este dia 30 y ya no mas, aparte de que algunos indicadores americanos apuntan a una mejoria y en europa no, haciendo que no se puedan subir tasas ya la larga bajarlas.

# 46 , Loquehayquever

25 de Abril de 2008, a las 11:09.

WTF!
¿¿¿4,964%???

Euribor -Tipo BCE = 0,964

Al final se aplicaran diferenciales de subprime entre ellos!

# 47 , R. GROVE

25 de Abril de 2008, a las 11:09.

Ufffffffffffffffffffffffffffffff casi

# 48 , margaspa

25 de Abril de 2008, a las 11:09.

decididamente se le va a salir del gráfico, tendrá que ampliarlo.
que barbaridad, saludos a todos

# 49 , Mickey Mouse

25 de Abril de 2008, a las 11:12.

#21, Rodolfo

Pues no lo has leido bien el comentario, porque no se basa en socializar perdidas, sino en comprarles los pisos, que no los créditos a precio de coste y venderoslos a vosotros a idem mas la gestión. Entonces si os daría para un piso.

El problema es la distorsion de mercado con la vivienda libre de quienes han echo sus deberes

-4

# 50 , Euribor up up !!!

25 de Abril de 2008, a las 11:12.

CHICOOOOOSSS!!!!

ESTAMOS EN EL 4,964 % !!!!

ABRID EL CAVA QUE SE HA APUNTADO UN AMIGO MÍO A LA FIESTA Y ESTÁ A PUNTO DE LLEGAR…

MI AMIGO SE LLAMA: EURIBOR AL 5 % !!!

Y que Dios reparta suerte…

-19

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