Why does it cost so much lower houses?

Well it's true ....
How many times have I heard:

- Commit to reform the floor for 20 kilos ... This reform and already worth 30 kilos (and only he had been painted and cleaned)
- Le Pryca get a console in the living room ... and already has air conditioning, a kilo more.
- Within 10 years will make you a lift because ... 3 kilos more.
- In addition, it will be well connected within xx years ... then another 5 pounds more.
- I put two of furniture ikea ... furnished, as 5 kilos more.

And my time buscapisos, until I learned languages, there are some definitions:

Flat or very small minipiso: a flat is "comfortable".
Floor falls below that of old: it is a flat "rustic".
Indeed floor dust and vacuum: it is a floor with "possibilities".
Floor of a bedroom + kitchen + bath boy: a flat is "ideal couples".
Floor, fifth without a lift: floor is a "very bright".
Floor in the back of beyond: a flat is a "5 min. from the center. "
Floor inside: a flat is "very quiet".

You can make more definitions, or wait until the next issue.

Crisis? ... But no slowdown of shit!!

I do not know, until they are going to continue to deny an obvious crisis?

Zapatero still saw yesterday saying that we are going to grow "more than half of Europe ...."
Still in March had now no longer superhabit ... ...
In September, after the European Championship .. and when people have already spent the money on vacations, like starting to say that well ... well with the levels of unemployment that we are going to grow "negative" .. osease .. Negative growth is not that I know ... grow.

Well what I learn with all this is that never again will I have a car accident, if anything, a sharp slowdown. That is, if I hit a slap against a wall and step of 140 km / ha 0 Km / h in the second half, I am in slowing faster than expected .. and as such does not lie to anyone ...

If you already read my father when I was teaching to ride a bike and I hit a ostiazo:

"You have to get off more slowly OF THE BIKE ...."

Pos that same government is telling us ....

Reviews are giving us and they continue to say it ironic

"We're decelerating very fast ..."

No, and so ....

We must be optimistic, and tomorrow is Friday!

A post of last night;

# 237, CARLOS

May 28, 2008, at 23:55.

# 234 Sephyrot

Hello, I am one of you say you bought the apartment for 3 years and I have eaten the brown east. 795 € to 1365 € now (Euribor + 0.75 - 100% of the amount of the mortgage). It is very easy if you have to wait 24-25 years or less. But if in my case I hope that I have 31 plus 3 years "I was going rice" if I want to raise a family. I bought the apartment with 29 with the idea of getting married as I did 1 year ago. I was almost 2 years without living up to the wedding day, with two home folks to save more. If you see a flat on the street you want, in the area that I have always wanted to be and 290,000 on the day you ask to see it by 85 m2 say until then, if you call a week saying that 260,000 down to what you think, but if you call at 2 am and I say 240,000, and I am and what I said is true .... you're going to do in this case. I hope over 3 years and I run out of the apartment that I have always loved and not knowing that will happen within 3 years. Since then, every day I regret seeing less of the purchase that the opposite it sold for 300,000 and sold it on the low and has sold 275,000 ... This course, that it has no hurry to sell at the end somebody pays rioja it asked.
That the floors are falling, it may be, but it's like my father said, mortgages are like that, today 5% next year 4%, other 2%, the other 9% ... we have all suffered ... and ... that we do ... wait, wait and wait, so that, if at the end within 30 or 40 years of mortgage you are going to play and subidones downturn of the mortgage and brown as you eat.

---------------------------

Say that if Jack, you've done correctamente.La life is four days, and if you are happy with that floor in the area of your dreams, that's what vale.Aunque have moments that you see fucking, in a few years and you remember . That is the money to spend on what makes you dream that tomorrow like mauve with raising these deposits some very nice in the bank.

Health

Health

# 2 Hipotecadohastalamedula:
Jajaja, that your good father!!
Well, yes, you have every reason in the world. And worst of all, is what someone said here: do nothing. Neither good nor bad. Is it because they do not want? Not think so. Is it because they can not?. Maybe. Solbes said that since little room for maneuver had been followed for the 400. Is it because they do not know? Also, to 50% with the previous one, might be the cause. In the end, and opsición, playing around to see who is the goat that stays on top of the rock, and the other preparing referendums, fighting with neighbors over water, or demanding that crucifixes be removed from the acts of swearing for the prosecution. That's important!!
Menuda politicians have!

Editorial: After reading the post Sebas, I say the same thing. Nearly all end up paying within muuuchos years. Sean 20.30, or 40. Do not think that there will be no fluctuations in the Euribor? Equally, nor is there in 30 years. And surely we see about 2 or 3, ... or 7! That is something we have to assume. M is Uchôa time. Hopefully it higher, we take the floor ... it almost paid less notice, do you disbelieve?

The harmonized CPI in May soared to 4.7%, the highest rate in 11 years ... .. good days and good luck on zp said.

Converted garage floor is "clear"
Mini hortera floor lamp with art-deco, is a flat "design"
"Not-God-knows-what-in-thought-this-guy-when-the-reformed-floor apartment is a" whim "
And then, let's not forget the question of size and how the concepts have been losing their original value. The first place where I lived as I rented a studio (for me, they were 35 meters without rooms, etc.) at 3 years had become an apartment and when I left it there as a rented apartment, I was foolish ... More because I'm sure that if I would have been a couple of years there could be bale to live in a mansion ...

The Euribor rise
the oil through the roof
Inflation shot
Crisis in construction
the floors are not sold but are still expensive
rents going up (thanks ZP by the 210 € that I am not going to charge but if I'm going to pay)
unemployment rises
the tourism and catering sector this trembling (as in Catalonia is not ending the restrictions will pass very puuuuu ....)

What gave me cottage with garden for raising rabbits and chickens? If you can be with close to the river to fish.

In the end,
And the last to turn off the light (within a few that will blow the candles, joooerrr with subidita)

# 2, but you already knew, surely euphemisms invented the politicians.

With regard to the sentimental value of a home, it is true, especially if you've made a reform, is famous as the MasterCard ad:

Purchase of housing, 300,000 euros.
Parquet, 7,000 euros.
Masonry, 6,000 euros.
Carpentry, 15,000 euros.
Electrician, 5,000 euros.
Air conditioning, 7,000 euros.
Plumbing, 3,000 euros.
Aluminum carpentry, 6,000 euros.
Appliances, 5,000 euros.
Pelearte and coordinate all the above, is priceless.
Enjoying a house to your taste, is priceless.
...

If you have the misfortune of having to sell, obviously that all of that in the end is included in the sale price, and also give them a value to the last two "games" that are the subjective part of the final price ...

Emotional value of what is true to some extent, from my point of view. It is true that we all believe that our home is the best, we have put a lot of affection in some reforms and others, and that's why we do not conform with the money that we can offer, but it is also true that when you switch from home illusion also makes you buy your new home and that makes you able to lower the price, if you can afford, of course.
I put my case. I have sold my house. Not by speculating, but because it is in selling the house of my dreams and I want to buy. It costs 70,000 euros more than mine. I want to change from home, what has been done for many years in traditional form in this country, just for the sake of wanting to improve the situation: more space, better area, etc .... It is neither bad nor good, my desire is just as logical is the desire of many people wanting access to housing and the market unfortunately does not allow it. I put the price is in line with the market, and I recognize that it is overvalued, but is that if I want to move, I have no choice but to ask what I ask. However, every time we go down the other house, I under mine. I do not mind lowering my price of more housing, because all I want is to get into the new, and therefore can not lower it more if I go down the new, as the new mortgage would be excessive pay.
I think there is a little bit of everything: there are those who are keen to get rid of their homes and there are those who have what he considers too much for what it costs and offer lower it. Of course, there are also those who wanted to speculate, treat it as business. In the current situation, I see it difficult for these people can lower it. Or sell fast, or they will lose money.
What does he want to make clear is that there are many people who want to lower the price of their houses, but the market situation does not allow it, not wanting to take advantage, but because the change would be unworkable.
Hopefully, and house prices go down, what you mean it, I could lose my house, buy the new, and fix the problem, otherwise many people who can not buy access to decent housing, which is a necessary good. This should return to its normal path. is a nonsense what is happening.

Ahead of CPI data:
4.7%.

The Euribor is not going to go down or coña.

¿Superhabit?, What is superhabit?, I do not know, maybe superhobbit? hummm.

# 13

An observation: I think it is speculated to buy, not sell. There is speculation by buying something at a price, and hoping to sell at a higher price, tocándote chestnuts.

In the case of Frankii, if the sale price is within market, sell, and if not, then it will come down. The market sets the price, so there is nothing to reproach. But I think that once bought his apartment to live, not to speculate ...

Good morning, everyone ... s!

Only insist on the solution to many problems we as a society ...

PLEASE REDUCE YOUR CONSUMPTION!

SHOULD PROMOTE THE INTELLIGENT CONSUMPTION "

Thank you very much and greetings!

Inflation is shooting in Spain and possibly will in europe, Germany and France are growing reasonably, the oil fires so unstoppable. The rise in the Euribor is bread for today and hunger for tomorrow. Gentlemen, the ECB should be left for the faint-hearted policies, we have to tackle a rising interest rate at least moderate, at least half a point.
As for the prices of flats: "Against the vice of asking the virtue of not giving" against the concept of the slump in contrast malcomprar. Only a detailed look at pre-registration of the property price of the last purchase and sale of the property in question and make reference to the potential seller, which may clear the unsuspecting (or espabilado) thought that not buying a roof to live, but being conducted by the investment of his life.

Good Ramo:

A couple of clarifications:

No speculates is ... if only to buy a property worth 10, good for 9 speculator buys it knowing that it may sell for 11. And not a speculator buying, if he does not intend to sell, then the speculation is cosustancial both the buying and selling, although, as we see in the case of oil, now is speculation to raise the price, but bearing in mind , Which is then going to sell at a price higher than the purchase.

And second, someone really knows what the market price?. Theorists, may define that in case of perfect competition, is the confluence of the curves of supply and demand. The problem is that to be of perfect competition, there must be many buyers, sellers, and both parties are informed about the market. Do you think that 99% of those who buy / sell an apartment knows the market? Or rather, what criteria rated as "the bottom one in 40 sold it, because I at 50?

In any case, let me congratulate you, because you still every day, and I love the way you express yourself, although not always agree with you.

A greeting.

NOTE: I have not seen you've edited, including the idea of selling especulata in the dictionary. In this case, I like potatoes with the first paragraph.

No, if at the end, as I like to buy tomatoes 1.50 € / kg. because I like more than 1 € / kg., I will also be a speculator. Please, we all like to go forward in life, and I do not think that is why they have to cross out one of speculator. Tempranito started ...

Good morning, everyone s:

True, one of the problems that the housing rises to exorbitant levels is "compared with the neighbor" and the other is true that "speculation". For the first I see no solution other than social awareness (Utopia?) In a world increasingly individualistic, greedy and solidarity. For the second, one of the pillars on which the "5% ISTAS" is that they wish to do away with speculators, pisapiseros, 40-40-40 mortgages and other ills that affect housing in Spain and strongly requested an increase of ECB interest rates.

Nothing could be further from my wish that, logically, I share with them. However, I think that there may be other steps that can boost internally without increasing interest rates and stifle more to families with interests that are going to trash ¿?

"Value Added Tax"

- Acquisition of first home: 4% (either staple constitutionally speaking)

- Acquisition of second home: 18% (for those who want / can afford a luxury ¿?)

- Acquisition of third and subsequent housing: 40% (goodbye to speculators and pisapiseros, hi reasonable prices and sustainable growth in the value of housing Does everyone happy?)

I hope so and I do not calcéis to negative because that could mean: 1 .- That you are speculators. 2 .- I really do not care about the speculation and what we want are some really high interest rates to encourage your investment funds and deposits base desirable "pain, much pain"

Open to all kinds of comments, suggestions and clarifications for or against ...

You are the Barsa or Madrid.

When you're small your bike is the best, the GAC of course was better than the BH your amigo.Cuando premiered sport shoes were the best, which even made you run more than your car amigo.El your father was of course the best and most corría.Y your mother the most beautiful, and your cousin over the course fuerte.Por your football team was the best, but when you are very very small and still not clear that we must be faithful to ideals for what is right and wrong, sometimes if Madrid lost your friends and you remembered your say "No, if I was Barsa."

But over time are going to evolve, readers and participants of the forum, remember the Rule of C a few days ago in which he talked about the theory of evolution, if, as I explained in a way that does not forget. It turns out that there were From a butterfly called Poplar that was totally blanca.Con the advent of the industrial revolution, with the pollution, the poplars were darkened and all that was white butterfly was detected by the birds and there was food, which only survived the darkest, that paired between them led to a darker kind.

Well, I have mixed personal with natural evolution, which really mess ... sabríais tell what kind of evolution has taken this specimen, this specimen of which now tell his story:

4 years ago I stumbled with a friend, laughs which introduced me to her new boyfriend. "Fulanito This is the only fault is that it is not my political party" ha, ha, .... ha, ha ...

I know that since I was a girl I knew referred to it has always had a strong political ideas, and whenever there was talk of policy was made even nerve to defend their ideas, and not claim the contrary.

This morning ojeando a local gazette Fulanito I see that it is no longer the party that was 4 years ago, has become a escapees to go to serve the game winner in the elections, and next to his wife that today is presumed to be alderman of a group that shares the ideas of his wife, not theirs.

If friends, this gentleman has evolved as the butterfly, but not like the butterfly, but because two boobs thrown more than two carts, and when you ask Fulanito "But you do not eras of Madrid, the not tell I was not Barsa of a lifetime.

I wonder, a person who is supposed to be 4 years will ensure the interests of citizens, and it is assumed is a person of integrity and dedicated to the people, things and clear the mind in place now that is an idiot that is left to carry you say your mujer.Yo is that the affection is the grade that can have a person but that will happen if one day he put forward a garbage bag until the money stops for the convenience of which has more ...

Thank you very much for this tostón endure, but I think that just like you do not want to be ruled by memos that have not evolved since childhood and do not know the colors of the team they love even if they have eggs and black.

People, not enfadaros, which all bear right, but we must take into account data, do not know if there is anyone here who lives in catalunya, if you fijais Sunday, shopping centers like the sea or diagonal Makina this to bursting, that if film, that if large drink large popcorn, even I have not seen anybody take the popcorn from home or CocaCola, gentlemen how many people have changed this year in spite of the crisis Television normal lifetime for a flat, I can not stop seeing boxes of plasmas in the streets, and I live in a working-class area, Hospitalet del Llobregat, La crisis hurts the rich more left to earn more money and we warn everyone, for me the crisis began when you leave the street and a loaf of bread cost me € 3, when you see the bars and restaurants empty on weekends and see people stealing in supermarkets instead of buying whims, then dire as this is all said and friends I'm going for my people to raise rabbits and chickens, while there is no dire crisis, for people today is that the crisis can not spend 400 euros on a weekend getaway, if you know who the hell is going Euribor stay in the top down home movies of emulation and comiendoros the popcorn at home and not in the Warner or the Filmax and the getaway home of the folks who breast kitchen and eats better than at any site.

# 11, frankiii

May 29, 2008, at 9:20.

Frankiii to what you say you want to buy a house, and we will have to sell yours, for you are asking a price for it overvalued (and I assume), but only if you lower the price of housing your dreams fall in price is called ... .... Speculate !!!!!! Or if instead of dwelling talk of cars, and I want to buy a BMW and I have to sell a seat IBIZA, and BMW make me a discount of 3,000 euros, then my seat IBIZA worth 3000 euros less ?????? Nooo!! My seat IBIZA worth what it is worth whatever it is worth the BMW !!!!!!!

You are what you can afford to pay 70,000 euros more than they're paying mortgage, but that WHAT YOU HAVE TO SEE WITH THE PRICE OF YOUR HOUSE? I can not buy me a BMW 320D, if I can only pay 6000 euros more than it is worth a IBIZA, and the IBIZA worth 14,500 euros and BMW 320D worth 42,000 euros, because it will be that I can not buy the BMW 320D. Well, in the case of housing, in idem idem.
PD: With all due respect to the seat IBIZA;.)

# 23, CVR

I have placed a negative, and I will tell you why.

My argument is something I have said many times. Me niego a que yo u otra persona siga dando más pasta en impuestos. Me niego. ¿Habéis pensado cuanto de lo que la empresa paga por vosotros se va en impuestos?, alrededor del 50%.

Sí, sí, un 50%. De un sueldo de 28000€,. por ejemplo, la empresa paga otro 35% en seguridad social. En impuestos directos tú pagas un 16% de IRPF y un 6,35% de seguridad social. Súmale el 65% de lo que gastas en gasolina y el 16% de IVA de todo lo que compras habitualmente.

Súmale tasas de los estudios, el IBI del piso, el IVA del piso, el impuesto de circulación y el impuesto ecológico del coche nuevo, y el parking de la zona azul. Súmale alguna multa absurda y el coste del transporte público.

Suma, suma y suma. El primer factor de la crisis es la ineptitud de estado y la administración pública para gestionar la ingente cantidad de dinero que recaudan.

¿Para qué?. Para aguantar un sistema sanitario de mínimos, una justicia de terror y unos servicios públicos, necesariamente públicos, que, ojalá nunca necesites.

Como para dar más. Me niego.

Hola josico:

Pues a mí mas bien me suena a esa historia de los Eloy & Morlocks.

La mitad de los españoles están hipotecados. Y la otra mitad?

Podemos hablar de los morlocks, como ese grupo hipotecado, viviendo bajo tierra, pues no puede salir a la superficie, y los Eloy, que viven en la superficie a la luz del sol, disfrutando de la vida.

Puede ser que los centros comerciales estén llenos, pero si preguntas a los comerciantes, las ventas han bajado, pues sólo compran los Eloy, ya que los Morlocks ahora no compran, aunque que no puedan comprar, no significa que no puedan ir de escaparates y mirar, y disfrutar del aire acondicionado.

Y ya fuera del tema, en la película, o en el libro (Tiem Machine - HG Wells), los Morlocks se comían a los Eloy, pero eso ya no viene al caso.

Hasta luego

#30, village people

En mi comentario indico “4% de IVA (es decir reducción de 3puntos dobre el que actualmente exisite) para la primera vivienda . ¿No es eso lo que deseas (menos impuestos)? ¿Por eso me has puesto un negativo? Las subidas de impuestos las propongo para la segunda, tercera y sucesivas viviendas que, a mi opinión, no son necesarias nada necesarias para vivir y pueden considerarse de “lujo” (con subida de un 11% y un 33% del impuesto respectivamente) y así poder acabar con los “especuladores-acaparapisos”

Un saludo.

A ver, que o yo no se leer, o no sabéis leer algunos.

Frankii dice: “El precio que yo pongo está en consonancia con el mercado, y reconozco que está sobrevalorado, pero es que si me quiero mudar, no tengo más remedio que pedir lo que pido”

Yo entiendo que se refiere a que el precio que pide por su piso está sobrevalorado COMO TODOS, pero es lo que hay, que él no es ninguna ONG.

Si yo soy un currito y me compro un piso por 200.000 euros en 2004 y resulta que en 2008 lo puedo vender por el 350.000 porque me quiero comprar otro o porque me voy al pueblo, o lo que sea, no seré yo el gilipxxx que NO lo haga. Y el que diga que sólo incrementaría el IPC anual, o es un MENTIROSO, o es gilipxxx.

(Perdonad por el palabro malsonante pero no se me ocurría otro que plasmara mis emociones al 100%).

Un saludo, foreros!

#32, hipotecaohastalamedula

29 de Mayo de 2008, a las 10:04.

#14,#22 village people

Hola, te agradezco la correción irónica de “superhabit”. La verdad, cuando la escribí tenía mis dudas acerca de cómo se ponía, ya que es un término económico, faceta que claramente no domino. Ya lo he buscado en la RAE y confimado, se pone: SUPERÁBIT .

———————————————-

Jajaja, vaya, ni buscándolo en la RAE… es SUPERÁVIT, con “V”!!!!!!

(perdona pero lo has puesto a huevo…)

Buenas a todos, que estamos en crisis no lo niega nadie, pero no a todo el mundo le afecta por igual, ni cada uno vive su crisis particular en el mismo momento. Os cuento mi caso:

De 1-2 años hacia atrás todo iba muy bien en España, la economía bien, el euribor bajito, el IPC normalito, la gente gastando más de lo que podía, todo el mundo contento porque su pisito valía nosecuantos…

Yo vivía mi crisis particular. Sueldo mileurista aunque tuviese carrera, mi novia igual, contrato temporal, pisos inaccesibles, el vecino “currito” de turno vanagloriándose de casa, coche y vacaciones “porqueyolovalgo”… y yo en casa de mis papis con cierto complejo.

¿Por qué no te metes? Me decía el “currito”…

…

En aproximadamente 2 años la tortilla dió la vuelta, y vivo mi “momento de crecimiento”. Fijos los 2, un 50% de sueldo más que hace 2 años, y los pisos bajando…

¿Crisis = Oportunidad?

Nos hemos metido en un piso en Málaga. 3 años y medio. 4 dormitorios, garaje, trastero y piscina. A 900 metros de la playa ya 200 de un centro comercial (cines, ocio, restauración, carrefour…). Tasado el año pasado en 300.000€. Precio de compra 200.000€. Menos del 40% de nuestro sueldo neto con un euribor al 5%.

¿Qué el IPC sube? Todo depende de la “cesta de la compra” que consideremos. Antes estaba más bajo, pero en “mi compra” (piso para vivir) subía en torno al 15-20%.

¿Qué el euribor sube? Voy a pillar un euribor alto, me salen las cuentas. Puedo aguantarlo más alto. No voy hasta el cuello con el euribor en mínimos como mi vecino el “currito”.

Solo quiero dejaros esta reflexión y experiencia para haceros ver que tiempos de crisis son también tiempos de oportunidades. Si se hacen las cosas con cabeza y si se depuran los excesos, se saldrá de ésta con mejores oportunidades.

Lo que me da pena es que paguen justos por pecadores, y que mi vecino “currito” lo está pasando mal, aconsejado por los “especialistas financieros” del “mañana vale más…”, “mete el coche que se puede…”

En fin, que “ depende… todo depende… “.