Let's count Lies

El banquero leyendo las condiciones de la hipoteca I could read this blog, the biggest lies in the history of which rescue 10:

1. Bin Laden was not the first to attack the U.S. in its own territory. The "merit" it corresponds to Pancho Villa, who cross the Rio Grande in 1916 and attacked the city of Columbus, New Mexico, where it killed seven people. The invasion lasted less than ten hours.

2. The three caravels Columbus were only two. The pint and the girl. For the third ship that participated in the discovery of America was a nao, other larger boat. Her name was Maria Galante, but Columbus renamed the Santa Maria.

3. The Witches of Salem were burned at the stake. But nobody thinks that the pardoned. In reality were hanged, which was the penalty that communities Protestants and Calvinists used to dictate to the cases of witchcraft.

4. Napoleon was not so short. In fact, average 1.68 cm., A height acceptable to his time, and even exceeded by 4cm to the Duke of Wellington, his great enemy.

5. In Casablanca, Bogart never pronounced the sentence: "Play it again, Sam." In fact, the exact phrase is: "Play it Sam, Play As Time Goes By," and recited Ingrid Bergman. To finish to ruin the myth, to which the actor Sam (Dooley Wilson) just sang, as they did not know playing the piano. The accompaniment was incorporated in the study.

6. The Vikings were not wearing helmets with horns. It was an invention of the Swedish painter Gustav Malström in illustrations he did in 1820 for the epic poem Frithiof `s Saga. The purpose of these horns was unrealistic to portray the fierce warriors of the North as being almost demonic.

7. The war of 100 years, actually lasted 116 of 1337 to 1453, the year in which the kings of England and France (countries in conflict) brought an end to hostilities.

8. The Boston strangler, Albert de Salvo, not strangled their victims. At least, not at all. Only in this way murderer of the first, in contrast to the kill another twelve strokes or stabbed.

9. George Washington was not the first U.S. president When the American revolution in 1714, a commission of notables elected Peyton Randolph, so provision for that post. After his resignation, eight people served as presidents in office until 1789, when it was finally passed the American Constitution and held the first elections for the post, in which Washington was finally chosen.

10. Walt Disney did not draw and never knew any of his famous design characters. For many years it was said that Mickey Mouse had been set up by, but now we know that was the exclusive work of the cartoonist Ub Wickers who left Disney to share the blame for a return favor.

But if there is one thing on which to lie always, is on the salary of each. Few things are as elastic in this world. If we asked the neighbor, as we pay our monthly gross salary is between 12 and whether to ask for some help or to lament, we take the net and divide it among 14.

Normal that we see in so many ways mileuristas, because within that group we can put both those charged in 12 pay € 900 (€ 10,800 net annually), as they receive in 1100 € 16 (€ 17,600 net annually).

So posts to believe someone, we will do so when we INE said the average wage rose by 4% in 2007 to € 20,157 annually, with some interesting data.

The activities highlighted by financial and energy to be the biggest salaries and wages paid to its workers and those who took higher cost in social benefits

For autonomous communities, labor costs were higher Madrid (32,576 euros), while Extremadura had the lowest (22,297 euros).

What is clear is that with inflation of 5% of the current wage increases will seem insufficient to us and make us lose purchasing power.

As for the accounts of the day, we have the Telefónica which won 3593 million in the first half (beating market forecasts).

The group, chaired Cesar Alierta said that the outcome of the first half are in line with the objectives of the group of marked growth for the whole year, dissipating in this way that the alarms had missed the cut after a forecast of Vodafone.

Article of the Day scaremonger always comes from the sensational Cotizalia, with the following item: The corralito threat prodigious Spain or the decade ahead. But the article points out some very important differences between the Spanish and Argentine.

Neither the level of banking (size and supervision), nor the development of local financial markets, or the internationalization of our business, nor the flexibility of public accounts, nor the structure of monetary debt, not even the level of Corruption can be established, starting, equivalence.

Busting this dose of realism:

The severe adjustment that must be made in Spain and it is imperative that any attempt to put a brake through various methods, internal or external, for the application of moral hazard is a major mistake that does nothing more than delaying in time the solution the problems

And finally, proof that the crisis is getting very tough: The U.S. porn industry of pastes the Gatillazo before the crisis. Does the fault?. Among other ... Del oil!

The truth is that when we talk about the hike in oil prices can only think of the shells of cars but the fact is that the cost of black gold passes bill at all levels. In fact, for a study of pornographic material, the $ 4 per gallon it costs to feed a car, greatly increases distribution costs of DVDs, whose casings are also made of a material derived from petroleum.

Urgent Update: CPI rises to advance by 5.3% in July.

This rate of 5.3% is the highest recorded since January 1997 when the NSI began to develop this series.

In closing today at 11:15 we'll know at last the average Euribor July.

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Written by Carlos Lopez on July 31, 2008 with 311 points.



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311 reviews

Read the comments left by other users below, or:

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# 1, Mano H20

July 31, 2008, at 9:31.

Hello everyone:

I want to add another big lie.

July is going and I suppose that many holidays starting tomorrow. With some luck. But finally, after eleven months of Curran, it appears that asks the body a rest. I at least am one of those who yearn for eleven months, the arrival of the month in which you graves to Bartolo, break times, doing of all or nothing, and, finally, you've just more tired than when you work, but "OTHERWISE."

I have searched this morning in a Wikipedia definition of "Productivity" and reads as follows:

"Productivity, also known generically as efficiency is defined as the ratio between output produced by a system of production or services and resources used to obtain it. It can also be defined as the ratio between results and the time taken to obtain them: the shorter the time leading to obtain the desired result, the system is more productive. "

The reason for this search is the next article: "Minors under 26 years are the least productive workers"

http://www.elmundo.es/mundodinero/2008/07/30/economia/1217425184.html?a=7ed544b33374e12156283fe18879edee&t=1217483318

It seems that in the opinion of a lot of company directors, those born after 1982, known as Generation Y, are less productive at international and national levels, such as those born between 1970 and 1982, known as Generation X.

I do not intend to start a war but in the forum, a fight between X and Y, because among other things this could be understood as a war between women and men, by that of the chromosomes. And this is a war we have lost.

I just want to point out, by my own experience, which I disagree with the conclusion of this study. Simply by the advance of technology many believe that a person, the younger, more results obtained in less time. And I think also that both generations are well prepared in many ways: training, languages, management tools, etc .... (at least better than previous generations).

Perhaps the problem with this study is that those who have opined are people who do not belong to any of these generations born before 1970 who are currently occupying most of the senior executives.

And I believe also to stop and not dwell too, that these managers are applying to the valuation of productivity the same mistake that what has been applied to the price of the flats: "Every time I ask more and more and more ... ..." and goes a time when it is impossible to raise the price because there are those who pay. That you know better than me.

Working more and more and more .... And there comes a time in which it is not possible to work more. But I am still seeking more. And in fact, produce more and more that a few years ago. If only because they count on better ways.

Admittedly, the Y generation is the least productive in one thing: to have children. But surely it is because of the impossibility of leaving the nest, because of that error in the price of the flats. Or not?

That is why I think this is another big lie.

Anyway. I do not know that opinaréis. In any case, good vacation to take them.

Salu2

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# 2, Fran Diaz

July 31, 2008, at 9:32.

Well, the truth of the matter and statistics NO-OF-INE, here are these statistics sale of land in 2008. Not to be missed. And even more interesting comments.

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# 3, I do not think so

July 31, 2008, at 9:33.

"The average salary rose by 4% in 2007 to € 20,157 per year"

I do not get to that figure and many people of my surroundings, either, if that was the average salary between my wife and I would receive 40,314 euros per year, jejejejeje. So I can assure you that just a single stroke with my economic problems and increases the Euribor happen for me ..., well, I am happy for those who have good salaries, but remember one thing:

If you're you and me, and I as two blocks, it is assumed that we have eaten an individual, I swelled while your hunger raisins.
I think he spends the same, much mileurista salary of those entering the job market and salaries for other extraordinary that makes it look as though everyone apples to inflame.

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# 4 m.

July 31, 2008, at 9:40.

I do what I believe in productivity. Just for the interviews I've done (as the interviewer) will be at a certain complacency that is transferred to the workplace. It's another generation, with other values.

Regarding cotizalia, Carlos, what to say. Always on the same line.

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# 5, JAIME

July 31, 2008, at 9:45.

20,357 € I do not step of € 12,000 gross and my wife to go there, so what you said I do not think so

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# 6, Copero

July 31, 2008, at 9:53.

Oh, Carlos, Carlos ...

You write that depends on who says what and to whom, or contests his net salary divided by 14 or gross divided by 12, and instead, putting the average wage do not specify whether net or gross.

I believe that this data refers to the gross salary. If less retentions (say 13%) and divide by 14 payments, resulting in a net € 1,250 a month or so. Nothing new under the sun.

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# 7, Copero

July 31, 2008, at 9:57.

# 4 m.

As I heard, you have professionals interviewers some psychologists. I would like Aim a game (if you follow the forum regularly, otherwise it makes no sense). I want to be planted to receive image on my person:

I am a man or woman
Mortgaged, leased or Vampire.
Architect or palette.
Single or married.
Anything you see that.

and in light of all that, that would gross salary.

One, two, three, meets again ...

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# 8, June

July 31, 2008, at 9:58.

Size H20

The truth is that among the Generation X and Generation Y, there are significant differences in the values that they move in relation to their work.

Estoy totalemte deacuerdo contigo en que la productividad no es ni mayor ni menor, unicamente el tipo de relación que desarrollan con las empresas.

In Generation X, hours and conciliation does not weigh (or weight) is, therefore, gave more importance to career advancement, even at the cost of endless days of work.
Generation Y by contrast, seeks to better his personal and professional life (and not so familiar, if not personal, which include friends and all kinds of social life).

Obviously, if productivity is measured by the time we spent in the company, the GX wins by several bodies, but obviously that is not productive.

If companies want to attract the GY, a collective extremely prepared, and with values radically different from those that prompted the GX, you have to change their paradigms. No longer worth just a good wage, we need other measures such as flexible schedules, training ad hoc ...

The GY brings freshness, initiative, talent, ability and above all criticism ... not marry anyone. If the company does not like, whether they are going.

The GX, brings experience, knowledge both technical and organizational ...

The mixture of both is a perfect combination. Vareidad is in the taste.

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# 9, I am poor

July 31, 2008, at 10:00.

# 3, I do not think so

Creetelo just depends on where you end up, a nurse in public are 30,000, and 18,000 € in private, it is that is what takes my girlfriend, my engineer starts with € 20,000, and if you are from telecommuni computer or € 18,000 , That if, if you get some firms to 30,000 €, and does not mean that you'll work harder, in fact all the cases that I know, tend to work less. : S, (are annual gross salaries)

A greeting

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# 10, Euribor up up!

July 31, 2008, at 10:05.

******************************

The lie No. 1 in the TOP TEN of the lies, 2008:

WE ARE NOT IN CRISIS! (According to Zapatero, Solbes ...)

Greetings.

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# 11, valuer

July 31, 2008, at 10:07.

# 2 does not work the link
try to put it back

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# 12, Path to Zen

July 31, 2008, at 10:08.

Good morning, everyone,

I just read carefully what the "statistics on sales of land 2008" and I say: Where does this man is removed from these data? Does data from all cities? Is your town?

Please official data, which I also put an incendiary headlines, type cotizalia ;-)

A greeting

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# 13, MI007

July 31, 2008, at 10:08.

20,157 is the net annual salary or annual gross?
The thing that is changing quite ....

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# 14, j * d * d

July 31, 2008, at 10:10.

Generation X was believed that by working hard and throwing hour, would have access to well-paid positions of responsibility, and that the baby boom generation gradually relinquish responsibility and control in enterprises.

Ten years later, generation X were seen as mileuristas are mileuristas, and will be mileuristas. There are no people in Generation X in positions of responsibility, and time passes: the syndrome of Prince Charles, but gaining thousand euros per month.

Generation Y are younger siblings and cousins of the generation X. They have seen what they have done, and have seen the results. I simply did not believe the lies that are believed generation X. The priorities of the people of the generation Y have nothing to do with the X (anyone working people of the two realizes) Generation Y will not accept the level of sacrifice of those who accepted the low-X promise of money and job stability ... because they know they are lying.

Now, what to collect strewn by the companies.

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# 15, curious

July 31, 2008, at 10:14.

In the generations ...

... Those of us who are the end of the generation X (1981) we are a little less productive than those in the beginning?

Menuda gilipollez! (sorry, no offense ...)

because you are not going to be more productive on average, if they are between 38 and 27 years as a lead time of filming also important to master his job, family obligations that tend to hold responsible, etc ...

those below 26 for the majority or are considering, or recent graduates, or "apprentices" in their jobs ...

mecachis! and I feel better, now I can touch the h *** s and I will remain more productive than the generation Y ...

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# 16, Melbian

July 31, 2008, at 10:16.

Well, I think the GY is a generation more demanding with the other less demanding but with itself, which is based on the rights that are not in bonds.

However, I believe that one generation does not become so spontaneously, but has been the GW (the parents) that he has unwittingly instilled these values, and the effort they had to do this by moving forward is that they have tried GY save their children.

And surely it is this culture of the effort to achieve things, which is not plentiful in this last generation.

I'm generalizing and creating a bit of polémcia : D

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# 17, Tranchetillo-standing

July 31, 2008, at 10:17.

If we knew the lies that make us believe and know truths that we hide, politicians, heads of large companies, and all big fish there and have us believe that silly.

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# 18, I see

July 31, 2008, at 10:18.

The only thing euroconvirtio were salaries (and all the others were rounded) if a person earned 140 thousand pts (who charge) to collect about 800 € to pay some were already included. But in all the years my case, I have been going up about 20 € -30 € per year, or I simply deducted under IRP. Rather scams. (same as the 400 euros famous tenant of the Moncloa) is nothing more than an adjustment of the IRP, or at least that's what I understand (what we already deducted tax that nobody gives away nothing in this country) The purchasing power is gone diminishing as the years pass, and even more so with the surprise of the rise in the Euribor and oil, that the thing to even worse. And the basis that the wage base here in Spain is 600 € (half of which France, Belgium, Netherlands) Well, people begin to recover from that.

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# 19, Mo.

July 31, 2008, at 10:19.

Good

Building on that mentioned the issue of salaries, to see if I can lend a hand. 1200 net receivables 12 months and then pay 2 euros for 1090 net tb. In the days running I have committed the "folly" to get into an apartment bought off plan, which I delivered in January. Floor price of 135,000 + vat, I intend to ask for a mortgage of 110,000 euros 0 112000. Is it viable?, I'm going to throw the rope around his neck myself alone?. Thank you.

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# 20, KO

July 31, 2008, at 10:21.

Hello everybody!

# 14, j * d * d

And those of Generation X are those who did business practices (hundreds and hundreds of hours) in exchange for training, and a role for free economic (and work as employees own the company).
And those of Generation X are those fellows who went into business (hundreds and hundreds of hours) in exchange for training, a paper and a tiny amount that did not give financial or for transportation (and did function as the employees' own company ).
And those of Generation X are those who work at anything in the summer and weekends couple earn a little life.
And those in Generation X who we are ... we have seen how things have been brutally expensive and we have caught in the middle.
A greeting.

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# 21, valuer

July 31, 2008, at 10:26.

# Mo
if I am not mistaken, you're going to have problems in getting the loan of 110,000 € sore price of € 135,000 Floor

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# 22, I do not think so

July 31, 2008, at 10:28.

# 9, I am poor

If I do not think so, I am informatico, and outsourced work in a multinational company; salary is 15,600 prize while the lowest salary for the rest of which are against computer directly by the company is 24,000 and rising (in some cases salaries go up to 40,000).

The problem, I am entitled and recently outsourced. But I assure you one thing, they work more and my knowledge in certain fields are higher.

Greetings

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# 23, calm

July 31, 2008, at 10:29.

Good morning, hopeful buyers of flats. A good link for those who boast of "waiting to have known"

http://www.20minutos.es/noticia/403210/0/endurecimiento/creditos/hipotecas/

Now you can download and because the Euribor through the roof, inflation, which obviously makes it difficult to save, we find that if a floor that was worth 300,000 in the boom times of low 20% would remain at 240,000 what good news. But now comes the negative part:
The bank-called 40%: 96,000 euros
-The purchase generates a 10% cost: 24,000 euros

In short, to buy the apartment must have saved as many as 120,000 eurazos (come on, saving the typical Spanish middle). Congratulations on having managed to wait.
You will not save or San Chopanza
Dedicated fondly to the arsonist, the Carsolete, the colt and other doom

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# 24, I see

July 31, 2008, at 10:34.

# 19, Mo.
If you buy one seems to me that is not very viable, and is more like the plan, anyway inside the bank, the first step has always been to give, unfortunately ..
Cheers and good luck

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# 25, Anonymous

July 31, 2008, at 10:35.

I've never understood the salaries of others.
Nor mileurista that the term is vague on noses.
Someone who earns 18,000 a year gross mileurista Is it? because more or less come to be € 1000 net huh?

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# 26, anonymous

July 31, 2008, at 10:36.

# 14, j * d * d

You could say higher but not more clear

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# 27, Copero

July 31, 2008, at 10:37.

Let's see:
Win € 16,580 per year.
80% of the value of valuation of the floor is 115,560 including VAT.
30% of your salary is 415 €.
The fee for 20 years is of 824 € (impossible)
The fee for 30 years is 689 € (I see it very difficult)
The fee for 40 years is € 633 (still difficult)

The truth, I see complicated, unless you're official, in this case, a very long time, and given that you could not lose employment, the employee of the bank might think (for 40 years, the mortgage is almost half of your income, leaving you 9000 € / year to live, clothing, light and everything else 750 € / month).

The ball is in the post, maybe what you get, but it is very difficult.

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# 28, Breogan

July 31, 2008, at 10:38.

Almost all my friends charge as much or more than half of the 20,000 issued € net, I do not think a salary so nonsensical. I also paid my wife and I surpass 20,000 gross, and we are young age and live in a city with a lot of precariousness of work.

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# 29, oreidubic

July 31, 2008, at 10:41.

Touching the 40 generation that no longer am ... maybe ... if you use it poetic literary terms would be the generation of'92 ... .. have spent 16 years and all (almost all) have prospered and has not been precisely because in the'92 'salaries were spectacular .... if not a basis for work, work, work and a theoretical chance for business decisions ... theoretical because to thrive we must assume a percentage of risk and assume that you can make mistakes. The Area is why my generation throw away most of the national average wage up ... clear that the'89 was more profitable to enter as a firefighter who study economic .. clearly'92 was more profitable and safer to enter the civil service to go into the company provided (where the falling chuzos tip) .. but in the end the result is the sum of the components.

I recognize that those coming behind me have it fucking. But neither I see a spirit of sacrifice very relevant. And the academic knowledge is necessary but not enough to survive in the jungle of asphalt ... maybe this is not left too clear throughout the process of academic training of the person ...

And it must be clear, at work, and that nothing is for life .... conservative decisions theoretically could become catastrophic (to conservative people) with a change of ownership of the company, the business cycle or as a result of globalization ... ..

From here, as in Kafka peqeño committee said "everyone is CASQUE as you can" ... ... to situate and analyze the profitability of my words, I fail to 60k for an annual gross pelín ...

Life is hard ....

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# 30, Ghonsso

July 31, 2008, at 10:42.

# 19, Mo.

Good morning, I fear that the share of income going to have to devote to the payment of the floor is going to be excessive. I would have recommended that you'd planned acquisition with someone else.

According to my bills being spent to pay the mortgage for 55% of your yearly income, when from this forum more than once we have recommended no higher than 30-35%.

Account the cost of separate cars, food, electricity, water, ...

Ask your boss for a rise to improve the ratio.

A greeting and good luck.

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# 31, Anonymous

July 31, 2008, at 10:44.

# 28, Breogan
What about mileuristas considerais you?
Is that when the term was born not seriais or coña but now everyone seems that what we are ...

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# 32, Rodrisergi

July 31, 2008, at 10:44.

# 23, calm

On the tightening of credit ....

I when I saw this news this morning I scared a lot. In October I have a mortgage and every day I'm acojonando more and more. I have sent this link to my father who works in a bank. Called me and told me that this news is an exaggeration. If that were true story would not be sold nor an apartment and the entire economy would go to hell! What if it is true that banks are going to look very closely to see more people get mortgages. It is not the same people who have little to give input and people who have for 80% or more. That are going to look more payroll, etc, etc ...

I hope my father will not be wrong!

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# 33, Breogan

July 31, 2008, at 10:44.

# 19, Mo.

Already he dijistes your parents, in the best case, you would have to endorse?.

As roam the banks, is a somewhat complicated.

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# 34, curious

July 31, 2008, at 10:46.

# 19, Mo.

You need that if the apartment is worth € 135,000 to have the VAT charges for writing, recording, notary, agency and whether it is for sale 1% of AJD (documented legal) and also ask if re-mortgage to pay and notary register.

VAT floor plus expenses, amounting to about a 10-11%

That means that if the apartment is worth € 135,000, you must add cost € 13,500.
Total = € 148,500
if you have 38,500 € from own resources, then you should ask a mortgage of 110,000 €.

€ 110,000 for 35 years and an interest rate of 6% (this account minimum interest)
I was about an quota of 633 € a month.

Your cobras annual net 16,580 € and the floor will cost € 7596 year. Ie, 45% of your salary.

If you do not have other loans, yet, but you have a loan for as little as ...

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# 35, The lie of lies

July 31, 2008, at 10:47.

The largest of the lies of the world of work is:
I work more than my colleagues, I know more than them, me, me and me .. but I do not pay either half, I have many, not promote me, I did not recognize, blah, blah, blah ... hundreds of cases I have heard ... let's say the truth ... who want to cheat, but not yourselves! !
If you do not like change. Do not expect to be rotten ... When that is already caught a better smile ...

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# 36, ether

July 31, 2008, at 10:49.

The average gross wage that appears in Cotizalia (just over 20,000 euros / gross year) seems to me entirely credible. Many people do not reach that amount, but many others who earn the same amount multiplied by 3 or more. Aunque es una obviedad al calcular la media el valor de 20000 me parece incluso bajo.

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# 37 , Salarios

31 de Julio de 2008, a las 10:50.

Todo lo que habláis está muy bien, pero en estos tiempos que corren el problema no es cuánto estés cobrando, sino cuánto tiempo te va a durar. El problema de este país es que vivimos tan al día que un altísimo porcentaje de españoles está a dos nóminas de la pobreza, casi nada.
Sé que voy a parecer uno del foro pero es verdad que nos gastamos el dinero con una alegría increíble. La felicidad parece que sólo se puede conseguir teniendo más y más cosas que por sí solas parece que no son nada pero suma y sigue:
-Ahora es casi obligatorio gastarse más de 10 euros al mes en móvil ¿de verdad?
-Ahora es imprescindible cambiar de móvil cada año ¿de verdad?
-Ahora es imprescindible tener una ipod ¿de verdad?
-Ahora es imprescindible irse todos los años de vacaciones y cuanto más lejos mejor ¿de verdad?
-Ahora es imprescindible que todos tengamos chacha ¿de verdad?

Cada uno podréis completar la lista con cientos de gastos sin duda prescindibles pero a los que “no podemos” (no queremos) renunciar

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# 38 , curioso

31 de Julio de 2008, a las 10:51.

#27, copero

“El 80% del valor de tasación del piso es 115.560 IVA incluido.”
______

con los datos que da, como narices sacas el valor de tasación del piso!!!!!!!?????

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# 39 , czp

31 de Julio de 2008, a las 10:53.

Hola a todos,

Mi opinión sobre el dato del INE de que el sueldo media esté en torno a los 20.000 € anuales creo que es bastante acertado. Pero hay que tener en cuenta que es en bruto y dividio entre lo estandar, 14 pagas anuales y un irpf del 14% (aunque puede variar según la situación personal), ese sueldo queda en apenas 1300 € netos. Vamos, que como está la vida no es ni mucho menos para tirar cohetes. Además. hablamos de medias, por supuesto que mucha gente cobra menos y algunos más, aunque los 60.000 de oreidubic yo creo que no es la norma sino la excepción. Yo también tengo 40, carrera universitaria y creo que me he esforzado bastante y, contando pluses y horas extras, a duras penas llego a la mitad.

Saludos a todos

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# 40 , Breogan

31 de Julio de 2008, a las 10:53.

#31, Anónimo

Aunque quizás lo seamos por cobrar mil y pico, sinceramente no me considero mileurista. Yo veo mileuristas a los que cobran 1000 o menos. Claro que si los que no llegan a los 1000 € netos al mes no son ni mileuristas, nosotros igual somos unos afortunados por ser mileuristas :S

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# 41 , tranquila

31 de Julio de 2008, a las 10:53.

#32, Rodrisergi
Por supuesto que habrá casos y casos pero lo que si es cierto es que si no tienes aval, vete pensando en ese 60%. Y ojo, que no vale cualquier tipo de aval. Si ahora vas a un banco y le dices “me avala mi padre con su piso” se echan a reir porque en estos próximos años los bancos prevén ser las mayores inmobiliarias de España, ya sabes lo que quiero decir
No les va a salvar ni San Wich

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# 42 , curioso

31 de Julio de 2008, a las 10:55.

#29, oreidubic

60k !!!

quieres decir 60 millonazos de pelas??? …de las antiguas…

cullons!

quieresa uno del 81 pero con los hu*v*s negros ya para relebarte?

$$$ jeje $$$

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# 43 , Breogan

31 de Julio de 2008, a las 10:56.

Joder curioso, serán 60.000 € brutos anuales !!!.

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# 44 , Machupichu

31 de Julio de 2008, a las 10:57.

para #23 tranquila

Hola tranquila, lo que tú no entiendes es que si no tenemos para pagar ese importe en metalico, los pisos no se venden. Y si los pisos no se venden, irremediablemente van a terminar bajando.

Quiere decir que ese piso que tu compraste por 300.000 € con el paso del tiempo terminará bajando hasta los 100.000 € para que podamos pagar el 20% más el 10% de los gastos.

Entonces, mientras tu te pasas toda la vida pagando 1600 € a 40 años, yo tendré una letra de 500 € durante esos 40 años y viviré feliz el resto de mi vida mientras que tú vivirás ahogada, o al menos vivirás sin la posibilidad de tener tantas cosas como yo.

Hay que reconocer que el precio de las casas es desorbitado y abstenerse de comprar hasta el 2011.

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# 45 , inmopiso

31 de Julio de 2008, a las 10:57.

vamos a ver cuenta los futbolistas de primera division que juegan en madrid por ejemplo a un minimo de 2 milloncejos deuros cada uno
joder que si sube la media

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# 46 , inmopiso

31 de Julio de 2008, a las 10:58.

yo conozco gente currela con cargos en su empresa en madrid que uno gana 5000 leuros al mes y el otro unos 6500 leuros uno esta soltero y el otro es padre de dos niñas.

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# 47 , Copero

31 de Julio de 2008, a las 10:58.

#38 Copero

No saco el valor de tasación. Considero que el valor de compra que pone es el de tasación. Simplemente por no complicar más los números. El banco va a dar la hipoteca en función del valor de tasación.
Obviamente, si el valor de tasación del piso es la mitad que el de venta, los números no son aplicables, pero como te he dicho, supongo que el valor que ha dado es el de tasación, o al menos que se le parezca.

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# 48 , Copero

31 de Julio de 2008, a las 10:58.

#38 Curioso

No saco el valor de tasación. Considero que el valor de compra que pone es el de tasación. Simplemente por no complicar más los números. El banco va a dar la hipoteca en función del valor de tasación.
Obviamente, si el valor de tasación del piso es la mitad que el de venta, los números no son aplicables, pero como te he dicho, supongo que el valor que ha dado es el de tasación, o al menos que se le parezca.

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# 49 , eter

31 de Julio de 2008, a las 11:01.

Unos días atrás a un amigo mío, una entidad bancaria con fama de “dura” en lo que a concesión de préstamos hipotecarios se refiere, le concedió el préstamo por el 85% del valor de tasación ( 20 años, 35% de los ingresos netos sin extras ni variables, profesión liberal ). El inmueble, prácticamente nuevo, de lujo, está en el centro de una ciudad grande.

Esa misma entidad ni siquiera se planteó responder a un conocido cuando le pidió el equivalente al 65% del valor de tasación ( 3 meses atrás ) de una nueva urbanización a las afueras de esa misma ciudadad, aún teniendo en cuenta que el importe de la cuota suponía el 30% del salario y esa pareja son enfermeros en la Sanidad Pública.

Está claro que el baremos de la mayoría de los bancos es la futura evolución del precio de la garantía, en este caso el inmueble. Está claro que confían en la garantia del piso céntrico y preveen más bajadas aún en el otro inmueble.

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# 50 , Kane

31 de Julio de 2008, a las 11:02.

No se si los datos medios se acercan a la realidad pero creo que el de subida media si se acerca bastante. A mi en un año me han subido el salario neto un 4.4% osea, que soy un poco más pobre que el año pasado. :’(

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