Creo recordar que hace años dijeron que poco a poco desaparecería esto y muchos tramites se agilizarian para evitar esperas y demás. jajajaja ayer tuve que ir al Registro Civil de Fuenlabrada y menudo caos, primero te tienen esperando en la calle hasta que abren a las 09:00 de la mañana, no hay un vestibulo grande
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¿Que os parece como funciona la burocracia actualmente?
Demonised by agents for keeping prices artificially high to avoid losses, or making it harder for agents to access distressed deals, many now feel that Spanish banks must become better estate agents if the market is to recover. Ian Waudby, chairman of investment consultancy Crest Group International, observes that the companies set up by banks are slowly making it easier for foreign buyers and agents to access stock; but he stressed that buyers need a quicker response from these companies and a faster sales process. “The properties need to be packaged with mortgages,” he told OPP. “The websites aren’t bad but if you try to make an offer you won’t hear anything back. CAM is the most organised at the moment but by the middle of next year they’ll all be offering the same thing.” The price is wrong Discounting is central to the current bank-owned property stalemate, with agents saying they’re either not big enough, or only available for too short a period of time – Banesto, for example, is offering 40% discounts but only for November. “There isn’t enough desirable Spanish property at the distressed prices that people want,” said Inez Rix, owner of Direct Auctions. “The demand is there but even if people see their ideal property they aren’t prepared to pay for it if it isn’t cheap. “We don’t bother with the banks because their prices are higher than those of the private sellers and they also charge high legal fees. If they’d knock €20,000 off their prices we’d sell their property right away – they are keeping prices artificially high and are being extremely unrealistic.” Mortgage obstacle Mortgages are still a major barrier, with banks either reserving the best products for their own stock or not making them available at all. “It’s hard to get mortgages still and bank-owned properties need cash buyers,” said Bob Callan of prime Marbella agent Callan Developments. “A lot of people expect a bargain from the bank but can often get a better deal from an individual distressed seller.” Pro-active banks that price realistically will see more profit than those who wait out the market, according to Rix. “I think the market will force them to lower prices eventually,” she said. “Everything’s about two years behind what it should be and I expect they’re sitting on an awful lot of stock. The big banks such as Santander could probably sit on it for 20 or 30 years but the smaller ones can’t. There aren’t enough buyers at the moment and they may have to bite the bullet and get rid of their properties.” Most agents OPP spoke to agree that the sooner the banks bite the bullet, the sooner the Spanish homes market will recover. Story from OPP (registration required)
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Spanish Banks Should be Better ‘Estate Agents’
Após tantos MASSACRES em escolas, lanchonetes e universidades, A FICHA AINDA NÃO CAIU para muitos americanos. Ao invés de ENCARAREM A RAIZ DO PROBLEMA: o sitema ALIENANTE de vida a que denominam “American Way of Life”, preferem surtar, fantasiando até que a CAUSA dos massacres estaria na DESNUTRIÇÃO CRÔNICA das crianças e jovens, que aliado ao
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Tanto AUÊ em prol do DESARMAMENTO, e no entanto, NUNCA SE ASSASSINOU tanto no Br. Qual a VERDADEIRA RAZÃO?
Necesito saberlo, me encantaron, una amiga me los trajo del D.F. pero no sé si aquí en Guadalajara los vendan.Si buscas el mejor precio de rutas culturales en Guadalajara, búscalo en l3b.es
Sí, hace un tiempo obtuve un CD de blues llamado “Al pelo” realizado en Junio del 2003 por dos españoles, Vladi Olmos en la guitarra y la voz y David García en la harmónica, acompañados por Martín Molina y Kino Domens en el bajo y la batería respectivamente. De excelente factura, tiene 15 piezas de Johnson,
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¿Blues del profundo Mississippi en plena meseta castellanana?
The market for new homes is on the road to a mild recovery, claims the G-14 group of Spain’s leading developers. Sales of newly built homes will continue “consolidating in the coming months” said Pedro Pérez, head of the G-14. There is some basis for the developer’s optimism in the latest sales figures from the National Institute of Statistics. Sales of newly built properties increased by 7.6% from August to September, though on an annualised basis sales were down 20%. “It’s been comforting to see sales rise for the 5th consecutive month, something that means we can say that the sector is recovering since it touched bottom in April,” Pérez told the Spanish press. Sales are bouncing back thanks to lower prices and more selective mortgage lending by banks, argue the developers. The recovery in sales will continue in the months ahead, says Pérez, in part because developers will make “every effort possible” to make Spanish property prices more attractive. The latest monthly home sales figures are out for September from the National Institute of Statistics. Transactions are the heartbeat of markets, so it’s always worth a look at the monthly sales figure. What do the latest figures tell us about the state of the Spanish property market? Mainly that there has been no major turnaround in the health of the market, but no lurch downwards either. Homes sale in September, not including social housing, stood at 33,276, up 7.4% on the previous month, but down 19% on the same month last year. Compared to 2 years ago, sales in September were down 42%, which just shows how much the market has shrunk since the boom. The figures show that, though the market is significantly smaller than it was, it is not getting any smaller. It appears to be bumping along a floor of around 30,000 sales per month. Monthly sales have improved on an annualised basis, though they took a bit of a dip in September. Conclusions The market is still depressed in volume terms, but not getting worse. Given the depressed state of sales, the glut of homes on the market is getting bigger. New build sales are holding up the market but may soon start to decline. Given all the above, you would expect prices to have fallen further. Story from Mark Stucklin
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‘Mild’ Recovery of the Spanish Property Market
la persona se llama marcelo oscar slovoyañockEncuentra rutas culturales en Alicante al mejor precio en l3b.es
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¿como puedo averiguar la direccion de alguien que vive en alicante, españa?
Mikel Echavarren, head of Irea, a Spanish real estate consultancy, talking about the state of the real estate sector in Spain. As an experienced professional in touch with many different companies in the sector it is worth listening to what he has to say. Here is a selection of comments from his Q&A with Idealista News, the news section of the property portal Idealista. Do you think there are any good investment opportunities in Spanish real estate today? I think so but they are risky. In three years we’ll probably be kicking ourselves for not advising investors to invest now. There aren’t many opportunities in commercial real estate because there isn’t much product and rents haven’t yet adjusted. In residential, on the other hand, the correction has been very strong and fast. The ideal profile now is an opportunistic investor buying properties off banks by taking on the existing debt, a type of real estate venture capital. So you think there are opportunities in a residential sector because the adjustment has already taken place? There are hundreds of thousands of possible Spanish property transactions, but not many genuine opportunities. What there is not is any financing, so anyone who wants to take advantage of this market has to take the debt with the asset, but there are still very few people prepared to do that today. Has the price of housing and land touched bottom? House prices touched bottom some time ago, they have already fallen all they had to fall. And the price of land has fallen faster than house prices although it could even fall a bit more. We have been saying at the top of our lungs that the price statistics published by the government are worthless, and damaging to the sector because they give international analysts the impression we are a country of idiots. In the US and the UK prices have fallen around 20% from the peak whilst here we have only fallen by 8%. We work with close to 28 property companies that have been restructured, and you see that valuations are down 30% in 2 years, and then banks buy those assets with discounts of 10-15% off valuations. What’s wrong with the official statistics? They are based on valuations. One has to look at real property transactions and a survey of developers to see not only their asking prices but how far they are prepared to drop prices to sell. Do you think there is any residential property that will never sell? What there is is a stock of land that will never be sold, at least not in 10 years. There are areas of Spain where the town plans look like they were designed for an invasion of extraterrestrials, parts of Almeria, Murcia and Alicante. There is an overdose of land that will lie in the warehouses of banks for many years. On the other hand, the stock of finished property will be absorbed sooner. Is there any real demand for housing at the moment? Yes, quite a few homes are being sold. We would have to place it at more than 200,000 homes a year. What is not selling is off-plan, as there you take the risk of the developer or builder going bankrupt. It’s a good time to buy newly built homes with Euribor at 1.24%. They won’t be any cheaper next year. And when prices start to rise they will do so at a rate of 10% per year. How does one get the Spanish property sector to recover? The residential sector is already recovering, just not the developers, who won’t see the light at the end of the tunnel for three years; it is very bleak for them. Clients of ours tell us they have sold a lot this summer, and some banks tell us that they have had more mortgage requests this summer than in all 2009. Furthermore, we believe that developers have dropped their prices to the minimum. There is mortgage financing available, not much, but there wasn’t any at all in 2008, and now there is. Mortgage costs are low, and it appears that the future is not going to get any worse. The recovery is underway, although this won’t show up in the official statistics until the first half of 2010. As soon as there is a general perception that things are getting better, house prices will stop falling and start rising. Story from Mark Stucklin
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Spanish Property Recovery Already Underway?
na provincia de Pontevedra e estudado medicina em Madrid cujos sobrenomes de Contreras ou Garcia façam parte da famíliaPara encontrar el mejor precio en actividades en Pontevedra, visita l3b.es
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Alguem de Niteroi que tenha parantes na Espanha?
Up to 90,000 Britons who have sold a holiday home in Spain in the past 12 years could be owed thousands of pounds by the Spanish tax authority. During that time, the price of holiday homes in Spain enjoyed a huge boom, with prices peaking in 2007. But while the locals paid just 15% in capital gains tax (CGT) on their profits when they sold, Britons and other non-residents were charged a hefty 35%. Experts estimate the homeowners who sold since 1997 could be due an average £13,500 tax refund. The European Court of Justice has opened the door to this huge tax rebate for nonresidents by ruling that the tax regime was ‘unlawful and discriminatory’ to other EU citizens. This latest ruling paves the way for tax rebates totalling £283m, according to calculations by foreign currency specialists HiFX. The ruling applies to homes sold after 1986, when Spain joined the European Community, but the differences in the level of CGT charged to Spanish and UK nationals mean that rebates are only due to those who sold from 1997 onwards. Someone making €100,000 profit on the sale of their holiday home, for example, would pay €35,000 in tax if they were British, but only €15,000 if they were Spanish residents - a massive 133% difference. So they would be entitled to a rebate of €20,000 (£17,680). In addition, they can claim interest on the amount of 6% a year. Spain’s two-tier CGT system was changed to a single rate of 18% for all in 2007, after the Spanish High Court found in favour of a British couple who argued that they shouldn’t have been charged more for selling their holiday home. But at that time the tax authorities allowed only claims for tax rebates going back to 2004. Now the limit for claims has been extended. The amounts owed will be boosted by the exchange rate as the euro has soared 27% against the pound in the past two years. However, it is not easy to calculate exactly how much you will receive as you still have to allow for CGT in Britain. Under UK tax rules, if you are taxed less overseas than you would have paid here, then you have to pay our taxman the difference. So once you receive your refund from the Spanish you may have to hand some back to HM Revenue & Customs. Until April 2008, the top rate of CGT was 40% but rates were tiered - the longer you’d held the property, the less tax you had to pay. Everyone has an annual exemption from CGT which they can set against their gain before tax has to be paid. This amount rises every year. Those most likely to gain are basic-rate taxpayers and those who owned their property for more than five years. For more information, and details of how to register your interest, visit spanishtaxreclaim.co.uk Story from This is Money
