Mortgage of € 750,000 per month for 25 years

Yesterday was a good day and not as 5% but by the number of comments collected by the forum. So it is good. More than 350.

Congratulations C. Lopez and all foreros

Concerning the comment of the week. That makes the numbers that within 30 years, plus having to pay rent to house those who have is correct, but the reality is ....

While interest rather than pay rent, it is better to rent. Always bearing in mind that the houses do not rise at a rate of 10% annually.

And with only one instance is clear. With the same example that began yesterday # 6 CVR. That also is the article of the week.

1200 point and 600 for rent. Serious about a mortgage of 240,000 euros to 40 years. One of the most normal today.

Now let us that the poor, save the difference of 600 euros each month. At the end of the first year will have accumulated 7200 Euros.
Bought the house next year instead of 240,000 and 232,800 calls to remove what is saved in the year's rent.

Now that estimate has fewer words, if a mortgage of 40 years or 240,000 to 232,800 to one of 39 years. The two will be spent during the first year the same money and the two end up paying their rent the same year but the buyer later, pay less.

Is not better to rent or buy the reverse, it all depends on how the market is. Because it is clear that if the house had increased in value 24,000 euros (10%) the guy who was saving even rent should have asked for a higher mortgage.

Come to rent or buy one is better than another, as they are dependent on the market. Today it is better to rent.

And the example that I have this impepinable. And the example is the current reality and not counting the floors above that are falling.

And the record that I am on hold.

Good morning everyone. Come haciendonos to the idea, atémonos five males began to rise toward the six, we address in a short time there, while the lower floors and fairly priced. Woe to those who bought three years ago to 60 million apartment, which to date has already lost 15 million.
What good do not learn from adversity if this crisis will teach us to have our feet on the ground and thinking about the head and not your feet in the air and his head full of birds. Everything is experience. We must respect the people more than anything else but do not have experience to spare.

# 354, Jose Luis

May 23, 2008, at 3:08.

Just a nuance, it binds to the mortgaged debt, yes, but has a home ownership, which in market circumstances may sell (palm or gain).
Andalusia hired (I am surprised to see certain things) YOU DO NOT SAY ANYTHING jaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaa ATA, but by God, we are no longer children, to let you attach the same thing, a debt, but in this case is that debt service, but being hired is not without DEBT THIS MONTH logically have more room to maneuver because you can not pay the rent (for the economy to send the unemployed (although these rental), tired of the boss or thousand things) can always opt for:
a) Flat shared with others (the ratio is around 7 per floor)
b) Hostels (the bad news is that there is a time of entry and exit)
c) Cash and bridges (the latter with an eye to certain hours of the night given by some top ...)
d) Family members (parents, siblings) who have not yet tired of the tiresome listillo "not mortgage"
e) mortgage floor own ability to decide
f) the cat to get out of hippie selling bracelets with the slogan "I do not HIPOTEQUE"
g) in Litera curro
As you can see it is evident that has hired more flexibility.
Every time I alucina over the intelligence capability of some Forero, no wonder we have the country;
Best regards and good night.

Kane:
The problem is that the person who will hire you if you say that money will not save it, spend it well and in the end will have nothing mortgaged and has no choice but to put every month in the fee.

Do you rent Fortalesa Sa? How?

Eye, such as mortgage, rent may be better. (Damn, I returned to reopen the debate).

pd seeking a job that allows me to pay € 750,000 a month in mortgage. Refrain agencies prostitution.

A greeting.

# 7 Tranchetillo

It could also be that both the fire and the rented mortgaged their work, not mortgaged to meet its 1200 and if their rented 600.

Clearly, my example has many nuances that can vary, but we are talking about a case in which everything goes well.

Good morning.
I fear most is that gasoline will track the path of the $ 150 that the Euribor has reached 5.
Future discussions of this forum will be between "voyalcurroenbici" and "voyalcurroquemadogasolina" ...
Beijos.

# 3, Charo said:

Surely it is better to buy a house through a mortgage, rent to be paid for not taking anything away.

That is tiresome sometimes people with the purchase. Is not better because if you buy depends on where you purchased, where in that time, that conditions in that state .... Let it be clear that I support the long term buy, but as always I repeat that if you bought a hovel of shit, for the price of gold in the last 3 years has made a bad deal.

In any case I can live rent buy today but tomorrow. If mortgages are not all idiots and got to pay more than he could not let all of today will live up alquier lifetime best times and just waiting to buy.

But, as important. I also believe that the Euribor will continue to rise. I think the 5 was a psychological barrier to achieving cost but I think once we play with descents and ascents up to 6 before the end of the year, if not andalusia 7.

But I also believe that oil will continue to rise, and that makes everything will continue as we are in a very global world where everything is imported, and the cost of transport is going to affect whether or if.
So raise the Euribor, the oil and inflation, or so I think. I fear that in fact we are approaching a crisis bigger than it seems, because it is structural in nature.

In any case morale, which is at least Friday.

because I am concerned about what really are the words of yesterday Solbes, who said that the extent of the famous 400 euros, the state runs out of scope to implement further measures against the crisis. That smells bad and will affect us all (mortgaged or rented). For a sample button: we climb up the light, then the water will be ... ... .. the total p ... cough 400 euros was earmarked for p .... these increases we are going to get.

That the crisis affected not only the brick, we already knew that, well, at least I do.

My brother is a commercial brand of cars, usually took more than 2,000 euros per month, including base salary plus commissions. Now it says it is concerned that suddenly has become almost mileurista, as they are not selling both committees have been reduced, and quite.

Fortunately, he and his wife have no problems of housing-estate life, jeje, with any luck, but Imagine the people who will be in your position, and paying a mortgage that has increased in, say, 200 euros andalusia months, when revenues have fallen dramatically, not to mention layoffs.

Chunga is the thing for some.

Chinese

M charm war dialectic yesterday, learn a lot watching if different points of view.

I am not an expert, and not studied economics, but what was I transmitted my girlfriend who is an economist and my desire to learn and know, I am open to correction and criticism, which led me to learn more and improve my knowledge.

It is clear that low rates can lead to speculation, but we see that down:

In late 2001, Germany and France (engines even though Europe) went into recession, low growth, while Spain grew above average, low rates helped the engine of Europe's recovery, while in Spain encouraged unbridled consumerism (the so-called wealth effect) a lot of work, business booming and cheap money, that is why the speculation (for which we are so sheep) now in Spain, growth cooled and Europe is within permissible values and without immediate symptoms of recession That does not give rise to the ECB to relax its monetary policy (another reason is inflation)
So we always españa backwards when we are in recession (with high rates, which is a mixture malisima) in Europe will be low but normal.

I see so

Greetings

Good morning to everyone s:

Thanks for the positive feedback on my comment yesterday "why not bought and rented" (surely there were plenty of negatives, we should see it!). I think this is a vote of confidence for the people responsible for this forum tired of insults and humiliations and encourage the group hired to explain his reasons not want to insult or "pain, much pain."

Beyond controversy, yesterday was a very lucrative to hear the views for and against the topic "Why I bought and not rented." Certainly had not anticipated certain costs (community, arrangements, IBI, initial disbursement, etc.). Nor that of course can not do what you want in an apartment rental (reforms, paint, furniture, appliances, etc.).. If you had anticipated, however, in the final paragraph of the commentary, in the end you can have a good use, for example, for retirement or to bequeath to your children is revalorice or not. I have also done the calculations in the simulator, # 350, June Review (comment yesterday), and in my case, I get better buy (mortgage with 30 years, 279,000 in rent 99m2 Ensanche Vallecas, within about 30 years with a growth of 2% per year I hope will be about 550,000 in revalorice)

My choice, by analyzing all the variables outlined yesterday, is still buying and it does not mean that everyone will be buying. The important thing is that I have learned things that tomorrow will discuss with my kids or my friends before they buy or rent a house and can offer the knowledge that I gained yesterday and that makes me better person.

This is the important thing: The question does not take place ...
This is what not to do: Violence only begets violence ...

(Referring to derogatory comments and disqualify)

Un abrazo a tod @ s!

Example: I bought in 2004 for 42K. a floor by calling 60K.
He was rushed by a oportuniti who had the speculator who sold it to me, because he had to drop the dough piece pisazo already purchased.

I admit that I took, but kept things come to mind that "a thief who steals a thousand years of forgiveness is" ...

.... Well .... year old and a mortgage.

But in the end, but in my case I lose value floor, will remain more or less what I took 3 years ago. 5 years prior to the purchase was to hire my wife. (Who was hired juntitos not anything that she alquilase)

As I saw the two situations, I give my opinion particularísima:

Undoubtedly: BUY

Salu2

on the subject of hiring:
I pay rent of € 300
700 savings each month
I have the support of 210 €
I think that numbers alone do not speak?

# 19 observer

with a rent of 300 euros me I had not gotten into trouble for mortgages

In making the calculations of the rent in the future, I have not read, does not mean it has not been published, any message you note that rents are X years, usually 5. After these years, when it comes to contract renewal, the landlord can raise the rent or terminate the contract.
I do not know, to me personally, I think a pretty big hits, having to renegotiate every X years, or even change his floor. But, as already mentioned, it all depends on the circumstances of each individual.

Here near my house being built OPV for the "elderly" grandparents if they are not rent or purchase.
I wonder what happens
All of this was 40 years ago listillos who have lived a lifetime of rent because they gave them the win and now buy them when they left home a few years need VPO.
This is what happened here about 30 years but about 10 times and if not the time.
No longer exist as former apartments rent for years and who live in rent to the final pass muyyyyyyyyyyyyyyyy wrong.
Besides, if I like to spend Social Security is collapsing by the demographic boom of the'70s and can not absorb so many pensions and see what happens with supermegaguais rented.

Further cometary of the week:
An "advantage" of being poor is that you can not afford to think long term. I was in favor of rent and I told my wife: if you find a mortgage cheaper than our budget for rent, buy. Results? It was virtually impossible to find a rental cheaper than the mortgage! And the prospect of selling to change the home were very good, therefore: MORTGAGE. Does the old? ¿Irrational? Well, that is what it is. And now, as well because we waged by the hair, and that is right?

Good morning, who rock with Solbes said yesterday the 400 and we were the red and grazing takes longer, where the surplus is that the accounts had so so healthy that we could pull up rockets in a few months has faded? ? where they had gone to ?????? please explain it to me!

I know this because I was not EURIBOR-house, to inflate Me podeis negative Friday is kids, but not if you do not loose quiet breakfast!

You have set at the apparent linear relationship:

Price GasOil = (Crude Price ($) / 100) €

1L GasOil = (130 $ / 100) = 1.30 €

Very curious and independent euro / dollar. Beware! Is only a subjective assessment mia.

My numbers:

2,005
Mortgage 900 €
200 € GasOil

2,008
1180 € Hipoteca
300 € GasOil

Not to mention power. Fortunately, the rise of my salary is higher than that of my expenses, but that is an exception, it appears the erosion of purchasing power of all.

The arsonists have grace, I laugh a lot with Attila, and even give you some positive ground, but if or whether, as the crisis affects them all.

My work is the automotive sector and we dropped a bucket of ice water on top.

Attila is Ingeneiro not know your branch and Curra sector but that this crisis will eventually affect you, if you have not already echo, as well point out there is another top rope rent, or pay or you go to the fucking streets, which is the same place where they do not pay your mortgage.

Greetings

The renter has a lot more freedom and especially to choose the right moment to buy at the time the purchase is wise. Not renting

Someday I buy, but do I buy now? Every day more down the prices of flats and will continue to decline for some years. Every day I get more for my savings and they continue to grow with what little time I have to ask for a mortgage.

For those who buy now?

# 19 observer
Where have you rented for € 300? Barcelona can not find a rental for less than 800 € ... ... ....

Good morning:

To not extend over the topic "mortgage or rental" is becoming a heavy, I have come to a conclusion, and I want digais me if I'm wrong or not:
"The best option is to have the pasta and tocateja buy."
A greeting to all Forero.

When talking about investing the difference between the rent and a mortgage which would result in the same floor, there is much inconsistency. If we are talking about financial ignorance of the majority of Spaniards (I first ignorant), how are we going to get returns from the savings? My personal experience is that as rent saved very little (pure soul cicada). Many echaréis you hands to the head, but for people unconscious with money like me (who are few), pay a home is a form of "savings" despite all the interest you pay to the bank. If anything, save a little more and you repay and benefits of tax deductions for mortgage payments. Do not ask pears andalusia elm or that invest in the stock market because all the disaster would be the same as has happened with ladrillazo.

Good morning!

We recommend you shall see this video. Is priceless!

http://www.elconfidencial.com/cache/2008/05/23/65_euribor_tocado_techo.html

Ademas, es genial: aprender que el Euribor lo marca el BCE, algo que no sabia.

La reforma hipotecaria facilita a los bancos el embargo de los pisos

http://www.canarias7.es/articulo.cfm?id=97002

La reforma de la Ley Hipotecaria, aprobada el pasado 7 de diciembre, ha abierto la puerta a nuevos supuestos en los que los bancos y cajas pueden acogerse para ejecutar los créditos vinculados a la compra de una vivienda o, lo que es lo mismo, embargar los pisos. Esta sería, a priori, una preocupación más para los miles de españoles con dificultades para pagar la letra mensual de sus préstamos, que con casi toda probabilidad se volverá a encarecer en las revisiones de junio después de que este miércoles el euribor, principal indicador para el cálculos de las hipotecas, rozara el 5% (llegó al 4,999%) tras registrar su valor más alto desde noviembre de 2000 y se encamine a su máximo histórico, del 5,248%, contabilizado ese mismo ejercicio.

Según explicó el catedrático de Derecho Civil de la Universidad de Valencia, Francisco Blasco, la nueva regulación permite la inscripción en el Registro de la Propiedad de todas aquellas cláusulas de carácter financiero que las entidades quieran incluir en los créditos. Algo que hasta ahora no terminaba en el Registro, lo que impedía que los prestamistas pudieran embargar las casas aduciendo incumplimientos que en realidad eran ‘ajenos’ a la propia garantía real del crédito.

El problema, subrayó Blasco, es que ahora imposiciones como el pago de un seguro de vida o de comisiones fuera de la esencia de la hipoteca quedan a la misma altura que ésta, con lo que ante su impago se puede proceder a ejecutar (embargar) el crédito. El catedrático, que participa estos días en el Congreso Internacional de Derecho Registral, explicó que los registradores están “mirando con lupa”

estas cláusulas para analizar que respetan al pie de letra la legalidad y no resultan abusivas. En caso de encontrar algún problema “se prefiere decir al banco oa la caja que acuda si quiere a los tribunales”, dijo.

Una “amenaza constante”

Antes de la reforma, la violación de esas cláusulas -que no son nuevas- debía de perseguirse ante la justicia mercantil ordinaria en un proceso largo y no siempre beneficioso para las entidades financieras. Si éstas ganaban el juicio podían exigir el pago del dinero adeudado con sus correspondientes intereses, pero no podían ‘ir contra la vivienda’. Ahora, sin embargo, si una persona hipotecada incumple alguno de estos requisitos (tan diversos como la venta o el alquiler del piso a un precio que el banco considere oportuno) podría ver cómo se embarga su casa igual que si no hubiera pagado las letras del crédito.

En este sentido, el presidente del Congreso, Enrique Rajoy, trasladó un mensaje de tranquilidad al asegurar que “es muy difícil pensar que ahora los bancos se lancen a ejecutar las hipotecas en virtud de esa nueva situación”. Sin embargo, Rajoy sí reconoció que a la vista de esa “amenaza constante” será tremendamente complicado que aparezcan segundas o terceras hipotecas sobre el piso en cuestión, pues las propias entidades financieras estarían expuestas a la eventual ejecución de la primera, en este momento más fácil.

#36, Mas,

Normalmente los que defienden a capa y espada el alquiler en este foro, me imagino que no pagan 900 euros de alquiler. Serán más bien estudiantes, o mileuristas, que o comparten piso o pagan 450 euros de alquiler de un quinto sin ascensor.

Por otra parte, hay momentos en la vida en los que es mejor estar alquilado, como cuando estás estudiando, en los primeros años de vida profesional, o si tienes pensado montar una empresa, para tener libertad de movimientos y más soltura económica.

Sin embargo, cuando la vida personal y profesional están estabilizadas, lo mejor si se puede hacer, para mí, es enmarronarse en hipoteca mirando un poco al futuro, y en mi caso es un modo de “ahorrar” (de no gastar toda la pasta en gintonics, homecinemas, coches, motos y viajes al Caribe).

#40 libertarian,
si en este país alguna vez hubiera habido colectivismo de verdad, no se habría producido una burbuja especulativa, la inflación no hubiera subido tanto, y los sueldos no hubieran bajado.

Aquí, para lo único que se tiene en cuenta al vecino es para decir “si él tiene un BMW, yo por lo menos merezco un Audi”.

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

Hace ya días que no escribía ningún post, y ya que el euribitor se ha plantado en el 5% no queda más remedio que decirlo:

¡¡¡¡¡ESTAMOS EN CRISIS!!!!! ¡¡FINANCIERA, CREDITICIA, ESPECULATIVA, INMOBILIARIA, DE CONFIANZA, DE EMPLEO Y TODOS LOS APELATIVOS QUE SE LE QUIERAN DAR!!
Y a esto no se le llamaba “Estanflacción” (si alquien quiere saber mas está en Wikipedia http:\es.wikipedia.org/wiki/Estanflaci%C3%B3n)
Alguien dirá que estamos creciendo, pero crecer menos de las previsiones, o tener un crecimiento absoluto negativo, no es “no-crecer”, con lo que ya tenemos uno de las patas de esta mesa.
Alta inflación, que se lo pregunten a quien va a comprar leche al super, y busca las cotizaciones, como si fueran las del IBEX 35. (pata 2)
Altas tasas de paro, se supone que cerca de 900.000 personas van a ir al paro este año (espero que a mi me toque el 1.000.000 y seguir con trabajo) (pata 3)
Tipos de interés elevados, Euribor up 5% y tipo de interés en la Eurozona, apalancado en el 4% (pata 4)

PD Editado= Con la mesa, a este paso vamos a jugar todos al “Teto” ( si algun@ no sabe lo que es que consulte con Atila )

¿¿QUE HACEMOS??

1º ¿Subimos los tipos de interés en la Eurozona? si se suben, se atenúa la inflación, pero sin embargo el poder adquisitivo de las familias se deteriora aún más ¿entonces? ¿bajamos los tipos de interés? si se bajan la inflación puede dispararse al aumentar el consumo.
2º ¿Invertimos en I+D+I? Así podremos competir con productos nacionales en los mercados. ¡¡Se tuvo que invertir antes!! cuando habia beneficios empresariales de grandes proporciones, y no invertir en inmobiliarias (veremos en los próximos meses cuantos muertos salen del armario)
3º ¿Devaluar el precio de los pisos? ¿reducir en el mismo % las hipotecas actuales? “Ni está ni se le espera” Es imposible que los mecanismos del Estado interfieran en el mercado privado (y los bancos son entes privados, con ansias de beneficios, no lo olvidemos).

Después de esta charla extensa (felicidades a quien se la lea completa), me retrato:
Hipotecado, 240600€ por 92m2 en noviembre del 2006, hipoteca con Euribor + 0.90 revisable anualmente, a 35 años.
No soy pasapisero, no soy especulador, no soy borrego, tengo 33 años, y estaba como loco por independizarme (con mi pareja) y espero que esta casita que tengo me dure hasta que pague toda la hipoteca.

Good bye Spain, Wellcome Trinchetland.

Buenos días,
Hace tiempo que no escribo, aunque leo casi siempre.

Lo que hoy me sorprende es la naturaleza humana de intentar fastidiar a otro para sentirte un poco mejor. Los alquilados quieren que los hipotecados creamos que nos hemos equivocado. Los hipotecados quieren que los alquilados vean que no eligieron bien. Al final 2 cosas:
Casi nadie reconoce su fallo.
Preferimos acusar los fallos de otros.

Mi opinión particular es: A mi lo que me preocupa, o me da alegrías es lo que YO tengo y vivo. Hace tiempo que no me fijo en los demás, eso se llama simplemente envidia, y alguien que tiene envidia, nunca será feliz. Al final imaginaros que queda demostrado que TODOS los hipotecados están equivocados. Pues seguro que surgirá un tema parecido con los alquilados que tienen ayudas y los que no. Siempre tenemos que buscar alguien que esté peor que nosotros para sentirnos mejor.

No es mi opinión. A mi me duele mi cuota de la hipoteca, si quiero consolarme, me comparo con un colega que está de alquiler en Londres y paga más que yo, pero al final mi letra la pago yo y punto. El alquilado lo mismo, su letra la paga él y punto, y será lo que le duele. Consolarte con hice bien o hice mal, no va a pagarme la letra.

Curiosamente hace poco lei una noticia sobre un discapacitado que quería correr en los JJOO de Pekin. Corre con dos prótesis en las piernas y no quieren dejarle correr porque “tiene ventaja sobre el resto”. Hay cosas que me sorprenden de verdad. Una historia de superación de una persona que ha perdido las piernas, que lograr correr casi tanto como alguien normal, y ahora decimos.. “tiene ventaja”. Nada, es fácil, cogemos a todos los corredores, les cortamos las piernas y les ponemos prótesis, pero eso no, eso no se acepta. Naturaleza humana, no podemos soportar que alguien tenga más éxito que nosotros.

Resumiento, no tengo postura sobre alquiler-hipoteca. Yo particularmente elegí hipoteca. Es mejor el alquiler??? No lo sé, eso depende de cada uno. Hoy por hoy yo sigo con mi hipoteca. Si un día me va mal, tendré que vender el piso. Seguramente por la mitad de lo que lo compré, pero suficiente para librar hipoteca. Después de ese punto me iré de alquiler porque mi sueldo no habrá bajado, pero al reducir cargas tendré más poder adquisitivo.

Si estuviera de alquiler, podría ir ahorrando, y dentro de unos años cuando bajen los pisos y si me apetece, podría pensarme en comprar.

Todos tenemos opciones, y siempre serán mucho más amplias cuando analicemos NUESTRAS OPCIONES y dejemos de meternos con lo que ha elegido el resto.

Un saludo a todos.