Bars and rebates.

UP TO SEPARATE THE MORTGAGE OS

Last Friday, the lady who performs the tasks of cleaning the offices of the company in that work, I made a few consultations. When he began to speak and saw that he jumped the tears, because I figured that the subject was delicate and chungo (which need not be a lynx, of course). She told me that his son (32 years) and his daughter-in-law (26 years) were in a bad situation as a couple and that you were giving serious laps to divorce.

I thought that what I wanted was to consult on procedures for judicial separation or divorce, but it really was the consultation on economic issues.

The problem with his son and his daughter-in-law is something that I guess it is going to happen with some frequency in the future. The couple has no virtually nothing except a piece of mortgage for the apartment they bought to get married. The floor, of course, it bought half and both hold a tasty mortgage to 40 years. The current level of the Euribor they are doing pupa. I do not know if this is cause or consequence of their status as a couple.

The "good" in this story is that they have no children, so that in principle there will be no injured third parties.

Once you have decided to break as a couple, find that the issue is not so easy.

Option 1: He buys her a half-floor or she buys from the yours. This option is ruled out. The mileurista and it is even less that mileurista. The bank has already said that the disappearance of one of the two of the mortgage "tararí I saw you." (Which proves, once again, the side you have the banks, because of course this option is perfectly feasible from a legal point of view)

Option 2: The one that until now was typical. Sell the flat and giving, canceled the mortgage and even share the surplus to start over. Who will buy the flat today and at what price? Chungo matter. This may be one of the worst consequences of "slowdown".

Option 3: Rent a floor with what they get paid part or all of the monthly fee for the mortgage. This option seems the most viable but also has problems. He can return to his parents' house, but she has no family and therefore necessarily have to go on even if it is to rent a room. With its oil revenue to provide available for the mortgage, pay the apartment where they live and will also continue.

Option 4: a variant of the above. She stays in the apartment by paying half the mortgage and come back with their parents paying the other half. At least until the situation improved somewhat and the sale may arise from the floor. I suppose that this option is not very desirable to none in terms of emotional let's say that, although it may be the most reasonable from an economic point of view. But you have to get along to stay in this situation over time.

Well, his mother asked me what was on board which was the best option. The truth is that I was face Swedish or poker player. I remembered this forum and issues that have been tried. I did not say why but I came to my mind was Carsola and its second semester, the pantheons bank accounts healthy and such and such. Although personally I am not one of the side of the argument of "no prisoners and to degüello" Quite the contrary. I prefer to look for positive solutions and not destructive.

He advised that mirasen the option of renting but not ruled out the sale. What do numbers on what they should and they could ask for the floor. Even with the possibility of being left with a small debt through a personal loan, if the number was small. The truth is that option 4 seems to me the more complicated from the point of view of human nature, although perhaps the most viable from an economic point of view.

And all this because what is unfortunate is wanting to break away and can not by the existence of a mortgage bond that seems more indissoluble the canon. Being condemned to share floor for some time in a couple broken. In addition to being so young, I guess that both reharán soon their lives. In any case the good part is that some couples in this situation, you may be reconciled. But I think what is more normal than a couple in this situation to end gorrazos, which is regrettable.

That "what God has joined, that no man put asunder" was replaced by that "until the divorce separates you."

In the updated version will have more to say until the mortgage you apart. " Lol!

The Beatles have to update the lyrics of one of his songs, "and soon learn to forget, 19 days and 500 shares" ....

I am open to suggestions on which may be the best solution. I have plenty of time to talk to this woman, because I think that the issue goes for long.

Salu2 and thanks for the ideas that you can give me.

PD .- To skeptics, this story is real as life itself, is not asking for positive (for obvious) but to ask for advice. Thank you all.

PS .- Oh, and live San Fermin!

Crisis, which crisis. The government denies that there is crisis. Because they say that there is crisis? I do not understand. Spain goes well.
Well leaving aside the nonsense. I work in public administration and it shows much the theme of brick, not even a "hard" and what can be done. If this continues like a long time away evil, and it seems to be that way.

A greeting

Apart from existing crisis or no, whether recognized or unrecognized, I'm going to tell a story I heard the other day. It is a tale told by an African person who received the Nobel Peace Prize.

"In a forest was declared a fire. At first it was small, and all animals were scared and did not know what to do. A hummingbird, watching the fire, fell into the river and caught a drop of water in its beak and get back to the fire. He continued to do so, while the fire did not stop growing. The other animals, seeing it, trying discourage it by saying: It is useless! We can not do anything!, But the hummingbird was still carrying water droplets to echarlas to fire, without making event.

The fire grew more and more, and ever hummingbird was trying to go faster from the river to the fire, while others were still animals saying: Do not you see that does not get you anything? Leave now! We can never extinguish the fire!

Then the hummingbird stopped, looked at all the animals and told them: I am doing the best I can '

There remains, for which it is worth. Personally, I liked it very much.

No wonder nothing about the crisis of the bars. During all these years have been saber staff with prices of scandal and, worse, with products from more than dubious quality. And have they thought the business was to last forever.

But you look at where we have discovered that when things get a little ugly, for the first thing that does is what is more dispensable. And I fear that the bar itself, it is.

One suggestion, do you not have thought of lowering the prices of rations and drinks and have more customers? Uyyy, lower prices, just say the two words together to sacrilegious by traders and businessmen Spanish ...

First of all good morning to everyone.
It is the first time that I start to write, I remain the forum for a couple of months and now I come every day.
In response to Hand H20.
I'm in the same situation, only with the only difference that my parents and I lived in different provinces with what I have ruled out going to live with them.
I now I have gone to report on a VPO.
That is the way out I see right now. Continue paying the mortgage together, which is aimed at VPO and having some luck, and if you have it, then try to sell the house they have.
But the truth is that one thing is pretty fucking this divorce.
It depends on the couple like this, you point 4 above, the head comes to worse, but in the economic good.
In order is a very difficult thing

Hand # H2O

Would require more data. In this situation I would raise in the absence of more data, the intermediate option:

One of the two falls flat, and will have room left over, renting to students or whoever, the other rooms.

Suppose that the salary of her, which is the weakest part, is about 800 €, with a mortgage that it subtracts 500 €. He left about 300 € net. If you rent your flat and goes to another, he will earn a little bit, but not much more (a rent offset by the other).

If you have 3 rooms, 2 of them can rent for about € 400, which along with the 800 € to win, remain at € 1600, which gives it to pay € 1000 of two mortgages, and it left over 600 € to go shooting.

I know it is a "put.ada" share your apartment with two unknown, but is an option that allows you to pay flat and have to live, and perhaps in a few years can get rid of any tenant, or love ...

Sincerely yours.

The real estate accuse the bank of "boycott" their sales

http://www.elpais.com/articulo/economia/inmobiliarias/acusan/banca/boicotear/ventas/elpepueco/20080707elpepieco_3/Tes

MMMHAHAHAHAHA! Apilatochos usury and were no longer together, look who have been so and so and friends have gone hand in hand to bleed to everything that was placed shot ... I thought those things to deceive, to steal a filthy rich and united ... but espuertas between cockroaches, you know ...

BURN DEM ALL!

# 9 Dhaula

800 of income
2 × 400 = € 800 (2 rooms for rent)
TOTAL: 1,600 €.

(Again, in the absence of more data ... just like a bedroom, and it is not feasible).

Anyway, I followed wagging coconut, and there is another option:

The bank would not let him put the mortgage in the name of just one. It's the back door: Do a private contract for the sale, in such a way that it sells to another. And do not go through the register. The copy is stored in a safe or sock or whatever, in hopes of better times.
For the bank will continue to married, and may continue with the mortgage. One may take over the mortgage and keep the scriptures saved, and when better times arrive, the registration goes through and ends to formalize the act.

Sincerely yours.

# 1, Mano H20

1. A couple is not a business.

That put the floor together in a bag in a rental and sales. The rental price has to comply with the mortgage and market demand, as well as the selling price of housing. HAVE YOU FORGET TO MAKE BUSINESS and adjust the price to be able to remove this burden as soon as possible.

All other options are just formulas that converge to a single option, as explained above.

It is as objective and workable in my opinion.

Hand # H20

If the girl could find a shared room low-cost, it could
rent all the rooms of the floor ....
Anyway, there would be a possibility that the couple reconcile, go
to live with the parents of the boy and also devote much of their salaries to
try to get off the mortgage. There Psicologos specialists in conflict couples
that can help them look at where the problem lies.

Many of the problems often start in couple of economic problems: no
able to pay the mortgage, the woman who spends too much and do not reach the end of the month, the man who is not going on to thrash or with colleagues at the bar and spends too much
or simply that they did to a labor and the salary does not reach the other
for expenses.

A greeting

Good morning,
Article in the Country, by CLopez commented:

- Luis Portillo, president of Inmocaral

(June 29, 2006). "There will be a drop in business, but a restraint. I've never been speculative and I'm looking for partners with a project, not just money. " Portillo took control of Colonial in September 2006. In December 2007 he left the presidency of Colonial after his fall on the stock exchange from 42% in two days, and more than 90% in the year. Last April, gave 25% of its participation in the Colonial creditor banks.
http://www.elpais.com/articulo/semana/Burbuja/burbuja/elpepueconeg/20080706elpneglse_5/Tes/

I have had the misfortune to get up close to this gentleman, and all her offspring Palette "new rich". I do not want to be envious, because if it has become so rich is because something will have (fewer scruples), I just want to say that if these are the heads of pork that led us to the twenty-first century ... we have just landed!

But not to take up the bad roll, which is Monday and I still have a week to conspiring and cursing.
Sure Start week, which lower the Euribor, the bread and ZP was going on vacation.

First of all say that I am apolitical against whatever we can think from what I have to say, I'm going to favor the party to do well for everyone.
Let's see, as we believed that we live on grants and aid, as we believed that we are all equal. That has never been the case. if it does not rely on the employer to that of jobs are lost, if you are not helping people to become entrepreneurs are lost, too. Ie equality of opportunity but the money comes out of the aid workers and the companies that provide such work. Let us not be deluded because we're doing well, is that we do not realize?

I know a couple of similar cases, an option that has followed is to sell "at the price of mortgage."

Couples who speak of the money lost between 5-10 million Pelas, but sanearon the situation.

The rental of the apartment they posed a problem they had to keep the situation.

About what that one / to stay on the floor while you do you like your estubierse paying half the mortgage to your benefit to another woman in the middle of your floor?

Come to think of was my only puts me goose bumps.

Again, by selling price of mortgage, is what we have and if it is not endurance, formerly the poor are not only separated it to the rich and also whether or eras of folklorika nobility you could go back to become a woman " Virgin "by Papal dispensation.

and the last to turn off the light

Hallucinogenic:

What are these obstacles? Both promoters and intermediaries agree to describe: maximum is 80% of the value of the floor (sometimes not even that, they say), and there is no facility for the entry; called for guarantees sometimes impossible to fulfill (real estate collateral of another including family), the director of the office he spit out the client that prices have to fall too much more or that interest will rise enough, or warn the customer that if the company goes into receivership will lose their money.

Come on, they mean by "boycott" the fact that for the purpose are carrying responsibly:

- Do not lend money that they know that they will not return.
- Stay informed customers about the current situation.
- Inform about the future situation (rates may rise still further).

And this "boycott", the especulatas of tocomocho not stop mourn ... But to put the flats at prices that nothing seems normal.

Let me paraphrase you, fyahball:

EURIBOR BURN THEM ALL!

Zp said in its congress there is no crisis and what must be done to revive this slowdown is to consume more. Done said, and has risen in the past week the consumption of watermelon.

# 1, Mano H20

Tb I know a couple in similar circumstances and have 2 years trying to sell the flat and truth and feeling much they do not see any good exit. That you have a mortgage 300.000euros shared an apartment that no one you buy and where you've barely lived, has a very bad start, but these things are clear when it was more important to buy the floor at all costs without looking as important .... the person that you purchase on the floor.
And say bad start.

On the subject of bars, I've been on holiday by the Benicassim and Peñiscola area and since then the thing is loose. In Peñiscola the beach was crowded, but the restaurants nearly empty Why? because the beach is free but all that is not behind.

However, the road I have not seen a car below 24.000euros and few below 150km / h on the highway, it must be that gasoline is not expensive enough ....

What of the bars is laughable, now complain about the guys, when we have so far "sablao" by a € 2.50 bottles of water, 3 € for a can of beibida, or 2.50 € for a miserable bag of potato chips now ... to mourn another beach. I for my part I will continue leading the refrigerator and potatoes from home.

The theme of the bars on the beach have fallen, does not mean that you lie down if not that. or they have now is normal with a normal factiracion and drawing benefits. but what we can not have is of destrollerrr 4 years ago, then Spanish and will learn that the bar and some national sports are running in this country

for now is the right thing, we continue!

# 22, MI007

In the U.S. there have been people who chose to burn down the house (there are a lot of wood) to stop paying. The problem is that insurers are not going with young and go up to the end to clarify the causes of the fire.
You can go from having a single economic problems also have legal problems ...

#1, Maño H20

y no te digo nada si esa pareja..tiene hijos..
todo para ella….el a la calle..pagar pension…pagar nuevo alojamiento….etc..
luego dicen que los padres..son malos padres ..por que no pagan las pensiones..etc..
para cuando la igualdad real?
para cuando la CUSTODIA COMPARTIDA y la disolucion de bienes cuando la separacion o divorcio?

Mis vecinos se divorciaron hace 2 años, tenian una hija de 1 año en comun y una hipoteca de mas o menos 180000 a 30 años. Pusieron su casa en venta, y no han conseguido venderla.
Hace 2 semanas volvieron los tres a vivir a la casa, se les veia muy enamorados.
Aunque no consiguieron vender la casa, por lo menos en este caso vencio el amor, a la fuerza (supongo).

feliz lunes!
dejo este enlace para mi bastante realista.
Son los precios, ¡estúpido!
http://www.elpais.com/articulo/semana/precios/estupido/elpepueco/20080706elpneglse_4/Tes
y me quedo con esta frase:
“En 2006 dirigí un estudio sobre los motivos de la compra de vivienda y las expectativas de los compradores. Un 94,5% de los encuestados señalaban que la vivienda estaba sobrevalorada, pero creían que se revalorizaría en torno al 20% anual durante los siguientes 10 años. Es difícil encontrar un signo más claro de la existencia de una burbuja. Estas expectativas de revalorización atrajeron tanto a compradores de residencia habitual (”si no compro ahora, ya no podré comprar”) como a miles de inversores. Un “pase” podía reportar hasta un 800% de rentabilidad bruta.”
asi que el estudio de José García Montalvo que es catedrático de Economía en la Universitat Pompeu Fabra, viene a decir lo que yo me imaginaba pero con datos (su estudio).
el 94,5% compro por espectativa de revalorizacion no por necesidad. siguiendo ese discurso, el 94,5% de los foreros hipotecados compro por el mismo motivo. asi que, por qué ahora debemos lamentar su “fiasco” financiero? por qué debemos consolar a quien a propiciado este panorama? por qué echan las culpas a otros de sus errores?
salud!

Los del piso , que hagan un tabique y dos puertas de entrada, que hagan dos minipisos en uno, a vivir ya seguir pagando, y tan amigos.
Es otra solución.
Igual hasta vuelven amigos, jaja.

#23
Suerte que tenemos que existan “luces largas” como tu.
Que obsesión con insultar al personal. Si no te gusta lo que se habla aquí, por que no te compras un euro de bosque y te pierdes??

Ya que los chiringuitos se quejan, yo voy a dar otra versión:

Todos los años, en el mes de Julio, aprovechando que mi mujer no trabaja el sábado por la tarde, nos vamos a playa con nuestro hijo.
Comemos en un chiringuito de la playa, dónde por unos 40-50 euros comemos tres platos sencillos, una ensalada, bebidas, helados y un café; suficiente para nosotros.

Como sólo lo hacemos en el mes de Julio, tampoco representa un gasto que no podamos soportar, y evitamos llevar la comida de casa. Comemos tranquilos y cómodos y pasamos el resto de la tarde en la playa.

Eso era hasta el año pasado. Este año, por no se que problemas con el ayuntamiento, no les dejan poner freidora y plancha, por lo cual sólo sirven bocadillos y ensaladas.
El sábado pasado, por tres bocadillos (con el pan que parecia del dia anterior), una ensalada más pequeña que el año anterior, tres bebidas, helados y café nos soplaron 35 euros.

Solución: a partir del próximo sábado nos llevaremos los bocadillos de casa. Si el año pasado no me molestaba pagar 50 euros por comer sencillo, este año me jode pagar 35 por comer mal.

Y otra cosa que pude comprobar; si el año pasado teníamos incluso que hacer cola para comer, este año llegas y te sientas ya que hay más mesas libres que ocupadas…

A veces, no toda la culpa es de la crisis económico-financiera-hipotecaria-petrolífera mundial, hay también otras crisis…

#27, Para Maño H20
#23, te conozco bacalao…

Una cosa… Porque cambiáis de nick para enfrentaros o disentir? Sois unos cobaldes!

arnaldo::
lo que esta claro es que al español no se va meter en la cabeza que tiene que vivir dentro de sus posibilidades y ya parece ser que se ve algo distinto pero todavia queda mucho por ver

ya lo dije el otro dia aqui.

QUIEN QUIERA VIVIR POR ENCIMA DE SUS POSIBILIDADES CON UN SUELDO MILEURISTA Y TENER UN MERCEDES,APARTAMENTO EL LA PLAYA SU CASA DE RESIDENCIA HABITUAL Y SALIR ENTRAR SIN PUDOR

QUE SE META A LOS 3 NEGOCIOS MAS RENTABLES DE EL MUNDO
LOS DIGO POR ORDEN;;

TRAFICO DE DROGA
PROSTITUCION
TRAFICO DE ARMAS.

y para todo lo demas mastercard!!

#1, Maño H20

Hace un montón que no escribo en este foro, pero para una vez que -para mi- el mejor forero de esta página pide consejo, no soy quien para negarle mi opinion.

Yo optaría por una solución intermedia de todas las tuyas;
1.- Hacen cuentas para ver el volumen de deuda que queda sobre el piso, y se pone a la venta por ese importe más un poco (pero poco, solo a efectos de poder negociar a la baja con un posible comprador).
2.- El se va a vivir a casa de sus padres.
3.- Ella se queda viviendo en el piso, mas que nada porque no tiene a donde ir.
4.- Siguen pagando la hipoteca a medias, y ella le paga a él una cantidad simbólica en concepto de alquiler.
5.- Cuando el piso se venda, se liquida la deuda, se toman un café de despedida, y cada uno a lo suyo.

Es la opción que veo más viable, pero no sé, como decía un profesor de mi facultad “cada cual es cada cual y tiene sus cadacualeces”.

Ayer:

DOS CERVEZAS POR FAVOR.

SON 6.60 EUROS.

CHIRIGUITO DEL TIBIDABO (BARCELONA)

¡Qué bonita es mi España! Que empezamos con el Chupinazo de Sanfermines y con una realidad triste por parte de Maño que no es la primera ni será la última en producirse lamentablemente, aunque hacer de abogado del diablo no trae buenas consecuencias, vamos a serlo por un momento…… yo siempre a todos lo que intento dar una explicación de algo, les digo lo que yo haría en esas situaciones y nunca lo que deben de hacer, por si las moscas porque si no sale como ellos desea, después te vienen que si tú me dijiste, que por ti aún me veo peor etc.….
Está claro que es tonto decir que han sido unos descerebrados, que no han previsto que si tararí que si tararó y decir lo que ayer puse en uno de los post….. y para los que cuentan con dos sueldos para el pago de la misma, porque en el momento que uno de la pareja en la cama lance un pedo, la otra parte al día siguiente le mete una demanda de separación por incompatibilidad de caracteres y en ese momento pasa a ser un real mileurista.
Pues bien yo haría ante una situación así eliminar la carga hipotecaria por una parte y en el mejor de los casos por ambas partes y dado que lo que les sigue uniendo para sus desgracias es el pallet de ladrillo y los cuatro sacos de cemento, ver formulas que les interese, bien a nivel de familiares, conocidos y en el peor de los casos de deshacerse del inmueble al puro estilo Rumano, primero me divorcio añadiendo al divorcio el regalo de la hipoteca por 1€ a la otra parte, una vez conste la disolución de gananciales esa otra parte va al banco renegocia la hipoteca si se desea continuar con el ladrillo, y aquí al ser Mileuristas tenemos a otros Yeye que deben de firmar los papas, que seguro que los Bancos no tragan, se coge se saca todo lo que se pueda de bienes del mismo y se le pone las llaves encima de la mesa del Director, a continuación es rehacer la vida de los dos en cualquier país de la UE y sobre todo en los países emergentes actuales y que le den morcillas a la Hipoteca, al piso, a los Bancos y hasta nuestra bonita España, que el tema tiene mal color, por supuesto es el color del lado oscuro……. ¡negro carbonilla! Pero si entre ellos no hay química de ninguna manera que no se les ocurra empezar un nuevo romance con una tercera persona, sin dar solución al ladrillo porque entonces veríamos cualquier día en el Telediario unas nuevas víctimas de violencia domestica.
Esto es lo que ha traído la permisividad de los gobiernos desde que la Banca Privada hizo el pacto de sangre con Felipe González, ¡hacer a la Banca intocable! a cambio de quitar de en medio al Holding Rumasa, que les molestaba como los Bancos de Rumasa daban créditos muy por debajo de los intereses que ellos estaban dando en su momento, a cambio de inyecciones para los eventos de los partidos, y como digo siempre no prever en plan particular, situaciones adversas y ver si somos capaces de superarlas.
No nos salva ni la Macarena

Yo tengo hipoteca desde hace 3 años (debo 112.000 euros a 27 años), pero esto de la crisis de momento para mi es una maravilla:

Ahora no hay tanto tráfico, el precio de los coches ha bajado una barbaridad, sales a cenar/comer y no has de hacer cola ni reservar, vas a comprar ropa y hay surtido incluso en rebajas, puedo organizar las vacaciones sin problemas de over booking ni sobreocupación.

Por supuesto sigo ganando lo mismo de hace 1/2 años, pero para mi yo lo veo todo más asequible.

Empiezo a entender a Atila…