Hola. Cómo andan? Espero que bien.- Con respecto a esta pregunta, me parece que en ocasiones hay personas que se van de palabras, una parla espectacular, pero me parece que son puro chamullo y nada más.- A veces pienso que hay personas que saben expresarse muy bien con algunos gestos, sonrisas miradas, que pienso que en ocasiones
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Chicos, según su punto de vista personal. Los gestos y las miradas. ¿Dicen más que mil palabras?
Spanish property price fell by an average of just 4.3% last year, according to the official house price index prepared by the National Institute of Statistics (INE). Everyone in the business knows that average prices fell much more than that, so why is the INE publishing figures that invite ridicule and risk making foreign observers suspect that the official figures in Spain can’t be trusted? It’s an important question, but one I can’t confidently answer. The INE gets its data from the Notaries, so either the data is flawed, or someone is manipulating it, or I’m completely wrong, along with everyone else in the business I have talked to. According to the admittedly anecdotal information I get from talking to lots of different people in the property business all over Spain, average prices are down something in the region of 40% since the peak around 2006 to 2007, and fell at least 10% last year, perhaps as much as 20%, which would be hardly surprising in a year marked by a massive property crisis and credit drought. So how come the Notaries are saying prices fell just 4.3% last year, and by just 10% since the peak? Even more difficult to believe, they say resale property prices fell just 3.5% last year, and actually rose by 0.1% on a quarterly basis in the last 3 months of the year, all this at a time when mortgages were hard to get and credit conditions tightened dramatically. It doesn’t make any sense. If the data is to be believed, 2009 was a much better year on a quarterly basis than 2008. The data would have us believe that prices fell by less than 1% in 3 out of 4 quarters last year, and by just 0.4% in 2 of them. How likely is that during a credit crunch, with a monumental property glut, dramatically falling property sales, 20% unemployment, and a shrinking economy? If you are still not convinced then have a look at Murcia, a region devastated by the property crash. According to the INE’s index, prices didn’t fall at all in Murcia last year, having fallen a paltry 0.8% the previous year. But you try selling a new property on one of Murcia’s many golf developments and see how far you have to drop your pants to find a buyer. To make matters worse, leading papers like El Pais accept the INE’s figures without doubt, despite the obvious questions they raise. Having first warned everyone waiting for prices to drop that they will be disappointed today’s El Pais goes on to say: It is true that, according to the INE, prices fell 4.3% last year. It is also true that quarterly price falls are getting smaller (-0.4% between October and December). And it’s now possible to find the first positive change: resales increased in price by 0.1% in the last quarter. That’s the first rise in 2 years. The article does not at any point question the figures. With figures like these I wouldn’t blame foreign observers from wondering if Spain is doing a bit of a Greece with its figures. In my opinion, these figures won’t fool anyone who counts. Story from Mark Stucklin
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It’s Official: Spanish House Price Index is Ridiculous
caracterisitcas de vigo!! ujjuju elmejor signoo no??Si buscas los mejores precios de hoteles en Vigo, búscalos en l3b.es
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caracterisitcas de Virgo?
The Spanish property market is in too much of a mess for a real BMV market to exist, according to agents specialising in distressed property in the country. Struggling developers, desperate homeowners and banks stocked with repossessions are all setting their prices according to how badly they want to sell, meaning a benchmark price is virtually impossible in many of the tourist hotspots. And without a standard to measure against, agents are left to secure whatever price they can for each situation. “Something is worth what someone else is prepared to pay for it and that’s that,” says Inez Rix, owner of Direct Auctions. “You have an open market price (not value), a bank valuation (upon which they base their lending), the offer price and the declared price at notary! No wonder there is no benchmarking for Spanish property .” The problem is so severe that one unit might be on sale for 50% less than the identical unit next door, says Darren Carter, owner of distressed agent Goldberg & Partners. “It all depends on the seller, the buyer and even the weather or what week it is as to what price will be agreed. A developer or bank might have sold three units at one price last week and not want to sell at the same price this week.” The ability to sell at a below market value is also hampered by the banks’ mortgage regulations. In Portugal, developers are offering units with 100% LTV mortgages by fixing prices at 80% of the lending bank’s valuation, effectively removing the need for a deposit. “In Spain this isn’t legal as the Bank of Spain ensures their normal lending criteria is adhered to,” says Rix. “In order to achieve a percentage of borrowing against the higher bank valuation, one now has to obtain a doctored purchase contract.” Carter says there are now better finance deals for buying bank product in Spain, “even 90 or 100% LTV on the price of the property but not including closing costs”, but the mortgage market has become too dynamic. “It feels like banks will offer one LTV one week and a different one next week once they’ve got their quota for the month.” Story from OPP (subscription)
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The Myth of BMV Spanish Property
Yo creo que quedarán Guadalajara 3, charales jar8s 1 Pongo al Guadalajara primero porque siempre es local, juegue en donde juegue.Las mejores ofertas de vuelos a Guadalajara las encontrarás en l3b.es
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10 puntos ¿Cuanto quedará el Guadalajara-Veracruz?
Sterling proved to be slightly less fireproof than it had been the previous week, losing the half- cent between €1.11 and €1.1050. The low came at €1.0950 on Wednesday and sterling was staring at that same level as things got under way in London this morning. In a dull week for hard data the British economy did not have a whole lot to say for itself and what it did manage to scrabble together was not particularly edifying. Two house price indices, one from the Royal Institute of Chartered Surveyors and the other from estate agents’ website Rightmove, damned the property market with faint praise. The RCIS house price balance, which compares the number of members reporting higher prices with those reporting lower ones, fell from 32% to 17%; still positive but more reservedly so. Rightmove’s index of asking prices went up by 0.1%; positive buy only by a technicality. UK industrial production figures were a bigger disappointment and took sterling to the lows of the week. Production (manufacturing, mining and energy lumped together) fell by -0.4% in January. Manufacturing alone was down by -0.9%. January’s trade deficit was £8 billion, the biggest since August 2008. Between August ‘08 and January ‘10 Sterling’s trade-weighted value became 23% weaker yet imports were up and exports were down. The significantly more competitive currency is still not having any positive effect on the balance of trade. Sterling also had to contend with unhelpful comments from several quarters. Credit ratings agency Fitch was ‘uncomfortable with the fiscal adjustment path set out by UK authorities’ and looked for ‘more credible and stronger fiscal consolidation plans during 2010. Credit Suisse anticipated that UK banks, collectively, would have to reduce their balance sheets by more than £500 billion over the next three or four years in order to meet new regulations. The prime minister reassured investors that Britain’s AAA credit rating was solid but not all of them were convinced, especially the researchers at UniCredit Bank who predicted that the government would have problems selling all the bonds they need to shift to finance the budget deficit. Euroland was just as starved as Britain when it came to useful statistical guidance. Investor confidence improved from -8.2 to -7.5 but the figure was still negative. It was only really euro zone industrial production that counted for anything. The +1.7% increase in January was way better than Britain’s anaemic performance, even if it did only represent a +1.7% improvement over the same month last year. More salutary than that were Germany’s trade figures. In the same month that the UK made an £8 billion loss, Germany turned a profit of almost the same amount. It did so despite what the authorities in Berlin and Paris describe as an overvalued euro. Underlying everything to do with the euro was still the co-ordinated (or not) bailout programme for Greece. Another week went by without any sign of final sign-off for the €25 billion (or thereabouts) mix of loans and guarantees that the Greek prime minister spent half the week travelling the world to engineer. As things presently stand there are several schools of thought. One believes that Greece will be able to work its own salvation, if only because it must. Another has it that Germany and France will eventually get off their high horse and put their hands in their pockets. Yet another argument is that, with or without Germany’s co-operation, Brussels cannot afford to see the economy of a euro member crumble for lack of cash. The market’s point of view, for the moment at least, is Micawberesque; ’something will turn up’. Investors are not sweating too much as long as nothing explodes. Sterling surprised many with another refusal to lie down last week despite a string of potentially damaging developments and data. However, as long as the opinion polls continue to indicate a hung parliament investors will continue to fear that even after a general election Britain’s government will be unable or unwilling to tackle the budget gap. Buyers of the euro should hedge 50% of what they will need. If the money is required in the near future they should consider covering the whole amount. Get the best foreign exchange rates with no bank fees or commission charges using your Moneycorp Privilege Card
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Sterling Rides Most of the Blows
King Juan Carlos and Queen Sofia officially opened the new Terminal 3 at Malaga Airport on Monday 15th March. The new terminal doubles the capacity of the airport from being able to handle 4,500 passengers to 9,000 passengers per hour. The new terminal has 180 check-in desks, 48 boarding gates, 11,000 m2 of shops, 3,700 parking spaces, and is capable of handling 14,000 suitcases per hour.The opening took place in the presence of 500 local and national dignitaries, including the President of the Junta de Andalucia , Juan Antonio Griñan. The first flight to use the new facilities left Malaga at 06.50 on Tuesday morning, bound for Barcelona . Unfortunately, most visitors from the UK won´t get to use the new terminal, as most of the low-cost carriers will continue to operate from Terminal 2. Related Posts The Ideal House in Spain… Malaga Cruises Booming Travelling by Train in Spain
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King of Spain Opens New Terminal at Malaga Airport
In a bumper news week, there’s good and bad news for Spain. Let’s get the bad news out of the way first - and end on a high. Remember my soapbox rant last week about how public sector striking will only add to Spain’s woes? Well, the public won, and the government caved in over pension reforms . This is particularly bad news for Spain - who already have precious-few financial tools left to deal with their twin problems of mounting debt and growing unemployment. I have no doubt that whatever they next suggest as a solution will be opposed - and most likely defeated. Unsurprisingly, buying into Spanish government debt via bonds is now seen as a risky business . Advising investors, a Merrill Lynch spokesman said: It’s going to take a very long time - half a generation - for Spain to fix the structural issues they have. Rather than a spectacular short-term event, a more likely outcome is a death-by-a-thousand-cuts-type scenario. My prediction is that Mr Zapatero’s aversion to taking on the unions will cost him at election time. The incoming government will make drastic changes - and suffer temporary unpopularity by doing so - and Spain will eventually enjoy a more sustainable foundation for financial growth. Until then, it’s “death-by-a-thousand-cuts” for Mr Zapatero and the nation he’s supposed to be leading. And now for the good news - and there is a fair bit of it. Last week I boldly proclaimed that we had already passed the bottom of the Spanish property market . It seems that I’m not the only one who thinks so. In Spanish Property Recovery Begins , Mark Stucklin adds some data to that assertion but warns that the recovery is not happening uniformly throughout Spain, nor across all types of property. Mark’s summary is backed up by the latest TINSA house valuation trend too. No-one is predicting a spectacular U-turn in the fortunes of Spanish property - and you wouldn’t believe them if they did. Even so, any kind of a recovery is welcome news right now. There are also hints that Spain’s building societies are playing their part in the fragile recovery. An update on lending in Spain provides the cheery news that: Spanish Banks are slowly relaxing their lending criteria with one or two offering more attractive deals and higher LTV’s. And finally, in the fairly unlikely event that you’re a higher rate tax payer and employed by a Spanish company, you can now benefit from the same tax breaks as David Beckham. Martin Dell, Kyero.com
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Spanish Property: And Now for the Good News
Está bloqueada para un operador inglés. Se ha llevado a varias tiendas de Fuengirola y Marbella y la remiten siempre a la misma empresa de Málaga, la cual no puede, o no se quiere comprometer, a liberarla.Si buscas el mejor precio de vacaciones en Marbella, búscalo en l3b.es
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Como liberar una BLACKBERRY 6020?
Hola que tal? No tengo nada en contra de los negros, al contrario estoy muy orgulloso de que existan en mi pais le dan un sazon de alegria a mi tierra. Pero para su informacion el 44% de los Colombianos son blancos, el 90% vienen de España ( pais vasco, andalucia y otros) el otro 10% de
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¿Estoy cansado que piensen que todos los Colombianos somos negros?
