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Investing in parking lots

Investment in parking spaces is one of the most accessible for most people when it comes to parking in areas not central. We find parking spaces depending on the cities and areas from 20,000 to more than 80,000 euros. The price mainly depends on the degree of scarcity of available slots. The central areas of major cities like Madrid and Barcelona is where the garages are more expensive due to the lack of availability.

We can establish two types of investment in parking spaces:

• Investing for rent. We must assess the price of the place but mainly the average rent in the area to assess the return on investment and the profit margin possible. The average return in this case is usually around 5% of the investment. Investing


• to sell. In this case we need to prioritize the current parking prices and expected future developments. It is very important to negotiate the price down on the purchase and select areas where there are possibilities of expanding demand in the future leading to a shortage. The cost can vary greatly depending on the evolution of the price. Should be considered when buying the garage pay taxes on capital transfers and should be discounted when calculating the profit margin.

In general, we can say that this is a type of investment that does not make much profit but do not involve excessive risk. The price of the garages do not have the problem of volatility that is housing. Although it is also likely to drop in price depending on the state of the housing cycle.

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How to choose a location for a business


The choice of a place to start a business is extremely important because it can determine whether or not viability. Is not the same choosing a location for a cafe, which for a hairdresser or a supermarket. The following will analyze the major characteristics:


Location Location is the most important feature when starting a business.

A priori, the ideal location is the center of a city, however, is not essential, apart from that rents in these areas are very expensive. A place in a neighborhood can be as profitable as in the center if the rent due is affordable. If the center is chosen as the location can be chosen to choose side streets that are less visible but much lower rent. In the case of the districts should they opt for stores located on main streets where traffic is high, except that business case with a lot of attractiveness as supermarkets, which are priority dimensions, or businesses such as restaurants and haircuts. The frequency with which the client comes to establishing more or less determines the weight of the location factor. If the customer goes to a very frequent or daily, the location is very important factor (eg, bars, bakeries, stationery, etc.). If the client comes sporadically, then the location is less important (eg, hair salons, hardware stores, etc). In any case, if this is an area where there is much competition for a particular type of business should be chosen a main road or choose another area city. An extra plus for the business location is whether this is in the corner of increasing its visibility and potential (a typical example of this are the banks).

The environment in which business is located also affects the profitability. If our business is in the vicinity of a public building like a library, a university or medical center will have a more pedestrian traffic which will mean more potential customers. If we have a supermarket next also will be a considerable attraction of people. In the case of clothing stores, is better than they are in proximity to other consumers as like to look at and compare many stores before making a purchase. In general, shopping is an ideal environment for starting a business, unless there is too much competition for our business.

Another factor to consider is the demographic. Bear in mind the type of client that runs the business, if you're young, adult or elderly. If our customers are young look for neighborhoods where the density of these high, such as neighborhoods or building new public housing. We can see in our city council demographic information by neighborhood to hit better with our location. Size


The dimensions required to operate a business vary greatly depending on the type of business. You should consider a number of questions to get an idea of \u200b\u200bthe size you need: how much space is required to serve the public and explain the products? Do I need to store and what size? Does it require waiting area and what size? Do we need to showcase to display products and what size? Need an office?, Etc. Is not the same to a shoe store than a restaurant or a supermarket. Transfer


Having to pay a transfer is profitable only when it comes to rooms in which are left equipment necessary to conduct business as a bar or a hairdresser. If the business you're going to ride it has nothing to do with the current pay probably will not interest a transfer unless the lease is for many years. Local transfers should be avoided where you would undertake a comprehensive reform, since the transfer is money lost.

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The appraisal is an assessment performed by a licensed professional in real estate and determines the amount of money the bank lends to the buyer when applying for a mortgage. To the person requesting the loan's interest that the pricing is as close as possible or exceeds the price he must pay the seller, otherwise pay the difference not covered by the mortgage. Importantly, not always the bank grants a loan for 100% of property value, it is usually around 80%, especially if the forecast of the evolution of the price of it is negative. In this case the individual must have money to give an entry to the home purchase.

By law, the bank and the person requesting the loan must agree to choose the company or certified professional who performs the assessment and who pays the costs of service. However, in practice often impose their bank and charge the buyer expert expert appraisal. The cost of the appraisal of an apartment is usually between 100 € and 300 €.

For the valuation of a flat or any other property, the appraiser takes into account a multitude of features: location, square footage, number of bedrooms, number of bathrooms, quality of materials, etc. The expert made a study of the prices of similar homes in the same area and used as a benchmark for the pricing issue.

Factors that increase the appraised value

There are some features that increase the value of the property and the availability of community spaces such as elevator and sports grounds and swimming pool. Also, positively influence the commercial offer in the area and facilities such as schools and hospitals. Other positive aspects include the installation of air conditioning and parquet and laminate flooring. Currently in the market for new developments in growing neighborhoods, new buildings often have a swimming pool and paddle tennis court or similar value being sought after by potential buyers.

Factors that reduce the appraised value

As factors affecting the value of the pricing we have the conservation status of the property (peeling paint, old doors in poor condition, etc..) Lack of public transport near the noise (which can be produced by traffic or commercial premises such as bars and discotheques) and proximity to industries that emit fumes and produce odors.

Appraisal Document

Then we will discuss the contents of a document appraisal, taking as an example an assessment of Tinsa. The document is divided into four sections:

• Summary appraisal: Includes details of the applicant, the assessor's data, the location of the property and the appraised value. Also included are the basic features of the house: floor area, floor area, type of housing (exterior or interior), number of bedrooms, number of bathrooms and toilets, etc. Finally, we include information from other similar homes in the area. (3 sheets to the present paper)


• appraisal certificate: is the official document proving the market value of the property. Includes data from the appraiser, the owner of the house, the assessed value calculated, counters, etc. (2 sheets for the document under consideration)


• appraisal report: includes the most extensive documentation. The main sections are: requesting the appraisal and purpose, identifying and locating, testing and documentation location and environment, description and area of \u200b\u200bthe building, description planning, system protection, tenancy and occupancy, market analysis, and calculation of technical values \u200b\u200band appraised.


• List Includes photographs, location map, sketch of the property and documentation.

Finally, say that real estate booms housing appraisals are usually done to increase during recessions and down.

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Appraiser housing charges and encumbrances of a home

charges and encumbrances of a home are debts, obligations and / or lawsuits that has the owner under such housing. In the case of housing sold, the loads are transferred to the new owner. Information about charges which have a flat or a house can be found in the simple note that we may request the registration of the property. The loads are:

• Mortgages: load is more common and well known. It is the commitment to pay a debt that a person has in real estate and contracts with a financial institution. The mortgage may be engaged in fixed or variable and for a period of time may in some cases up to 30-40 years. When there is a sale of a floor that has a mortgage as cargo is canceled before the notary deed during the new owner. So not a lien to be worried. [?]


• Liens: It is the appropriation that the bank makes the property by court order when the owner can not meet the mortgage payments. Typically, apartments or properties seized are taken to auction and sold at a below market price. Moreover, the difference between what should be the owner and what the bank collects from the auction will remain as debt first and which should be settled, ie, freezing does not eliminate the mortgage debt. If it appears in the simple note this burden means that the bank has taken steps to seize your home.
  


• Easements: The easement is an obligation affecting a property and allowing third parties to perform actions on it. The housing is more common in the lease, which enables third parties to enjoy the property during a certain time or a lifetime. [?]


• Property Litigation: A dispute is a dispute between two or more parties. Can be solved through negotiation, the parties reach an agreement or an arbitration, the parties choose an impartial third party to resolve the conflict. [?]


• tax Conditions: They occur in succession cases, the seller is an heir of the house, or grants, a third party has given the current property owner's rights over the property. The owner has the obligation to pay taxes.

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Property Tax (IBI)

The property tax, also known urban contribution is a tax payable by the owner of a property, whether natural or legal person, the City Council of the municipality where it is located. Applies to buildings of urban nature (floor, garage, etc), paperback and special.

For the owner of a property, payment of IBI is the right of ownership, usufruct and surface.

are exempt from this tax the properties that have been classified as monuments or gardens cultural interest . Similarly, private schools and private educational foundations and public partnerships (Red Cross, Catholic Church, etc).

The public housing (VPOs) have a reduction of 50% from the time of the qualification date, up to a ceiling of years set by the City Council as appropriate (eg 3 years Madrid, Zaragoza 6 years).

Today are introducing new types of bonuses for buildings that incorporate heat utilization systems (eg 25% Madrid, Zaragoza 20%). If simultaneously the house has solar panels for generating electricity the bonus can be enlarged (Madrid 40%).

To calculate the amount to be paid for this tax is derived from ljavascript: void (0) to as follows: from the cadastral value is applied to the tax rate set by the municipality for that year. The result obtained is the concessions that apply the criteria set out above.

real estate tax must be paid annually and is payable on the first day of the year. Some councils allow payment by installments (eg, Ayto Zaragoza in 2 semesters).

In the case of rentals, both homes and commercial premises, the Tenancies Act provides that the tenant can pay the IBI as long as recorded in the lease. Otherwise, the landlord is who should take charge.

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simple informative Note


is one of the most common documents in the process of buying and selling property. The simple note is issued by the Land Registry and contains information on the status of a property, such as housing.

The main information contained therein is:

- Characteristics of property: property type (local, housing, etc..) Administrative system that could affect you (if subsidized housing), location, total area and useful, the share of horizontal division, etc.

- Ownership: behalf of the owner or operator, and its form (natural or legal person).

- Charges: information about mortgages and other charges that may affect as embargoes, possible property disputes, fiscal conditions, etc.

The simple note should always be sought that is intended to acquire a property as a home, to ensure that the owner is who they claim to be and that the estate does not have loads and can be purchased with all the guarantees. No permission is needed from the owner to your order. Keep in mind that if there is buying a home that has loads, they are transferred to the new owner.

The simple note value is informational only, ie can not be used at trial. However, its importance is key because it ensures that the property sold to us meets expectations. If you want to engage in buying and selling homes or real estate utros we recommend that you familiarize yourself with this document to find the information you need quickly. Always check the square footage indicated in the note simply because in many cases do not correspond with what we are trying to sell.

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stages of boom in real estate prices paid for the lots that go to market are well above the real value because it takes into account future expectations. While the real estate cycle continue to rise, developers who buy land will offset the premium paid by the sale of homes to promote and to be launched at a price greater than the time of purchase of the site. The problem occurs when expectations are not met, because the boom phase is complete and has not adequately analyzed the market situation.

We can distinguish two types of promoters: optimists and realists. The optimists are those who only consider the past when making decisions, consider that if the price of housing has risen sharply in recent years, the trend is the same and worth buying soil but this is find a very high price. This type of promoter obtained high profits during the boom phase but can accumulate heavy losses when the cycle. By contrast, the realist looks at the current situation before making a decision and adopts a more conservative stance, which prevents the boom times but get the maximum benefit that protects you in case the market goes into recession. The realist sell part of its land portfolio when he warns that the current situation will worsen and buy elsewhere.

A large number of entrepreneurs, small and medium, have difficulty in locating new opportunities to purchase land outside their usual geographical area. When land prices reached very high levels in your area reduced its rate of purchase. Developers should consider the economic outlook, demand for housing and land development in other areas than usual to find new investment opportunities. These mainly include: urban soil populations are not affected by the housing crisis and solar likely to be downgraded.

stage in the housing bust, will not lower the price of housing in all municipalities. There will be areas that will still maintain a moderate growth rate and that may be due to the arrival of heavy industrial investment, domestic or foreign capital. However, most people just avoid the falling price of housing if they build major new transport infrastructure.

In the real estate world, the largest creation of value does not occur through the construction of a building, or their sale, or in land development. Occurs when a municipality reclassified agricultural or industrial land and turns it into building land.

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Solar Rotation in the big city dwellings for housing in the far periphery


In general, we can say that a large number of investors have not considered the periphery as an interesting area to invest in housing and have focused their investments in assets in the big city for their biggest gains. Typically, the housing boom begins and ends in the big city rather than in the periphery and continuing at the periphery when it has completed the first location. When the boom is ending in the big city and housing prices are achieved by very high, having almost reached its maximum, it is recommended the sale to acquire assets in the far periphery (except when there is excess supply).

In developed countries, in recent decades, the volatility of housing prices in areas emblematic of the great city has been well above the more modest areas or the periphery. In the first location, the price of housing has risen above average in boom periods and decreased to a greater extent than the overall market in a downturn. This is due to increased demand because of investment in these areas during periods of growth and almost absence of it in the early stages of recession. It is therefore advisable when the asset swap market in the big city shows signs of exhaustion.

Another aspect is the return value through rent. In the early stages of boom in the big city, the houses located on the periphery have a significantly higher rental returns through the emblematic areas located at the first location. In 2005 in Spain the difference was about 50%.

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asset turnover. A complicated and risky strategy?


The housing market is difficult to find investors that their assets rotate frequently. Most property owners have a conservative approach and its assets remain in the portfolio for a long time, and sometimes a lifetime. Not raise the turnover of assets, considering a complex and risky strategy.

is considered a strategy complicated by the fact that it is more convenient to keep the assets they sell, obtain and acquire other capital gains. To implement this strategy successfully requires a good knowledge of the market or seek advice, something that most investors are not willing to pay, despite having a comparatively small cost. Currently, a high percentage of real estate assets are managed by their families and because they sometimes are the property Several members lack professionalism in decision-making. Therefore, in these cases tends to keep the estate was considered a more secure if the cost is less.

The qualification Extreme stems from the fear of making mistakes. For many people, have plenty of cash money is a problem, since they do not know where to invest. Nor are they willing to hire a consultant, either distrust or the expense involved. This insecurity leads these investors to buy assets similar to those they already possess and not to sell any of its properties.

The best time to implement the strategy of asset turnover is in the final phase of housing boom when there are no prospects for growth. However, housing crisis, the sale can be a good strategy for liquidity because the assets are worth more today than tomorrow. It is also an ideal stage to be at the "hunt" for real estate bargains that may appear in this period.

The main asset turnover strategies are: swap homes in the city for residences in the far periphery , solar rotation and replacement of housing for industrial buildings.

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Subsidised housing (VPO)


The social housing (VPO, also called sheltered housing) is a type of housing that the administration puts on the market and is aimed at disadvantaged groups. The advantages of the free are facing a lower price and financial assistance for purchase .

The housing units must be intended for regular use. Its floor space must not exceed 90m 2 , except in the case of large families that can reach 120m 2. The buyer can not take any residential property and must be registered in the territory governed by the Administration.

There are two types of social housing:

• In general scheme: intended People whose family income does not exceed the weighted 5.5 times the minimum wage.


• special regime: intended for persons whose family income does not exceed the weighted 2.5 times the minimum wage.

The VPO have benefits for both the builder and the buyer:

• The constructor commits itself to sell the property at a price below the maximum set by the Administration. This price is usually well below the market price. In return, they receive a loan over 80% of the purchase price of the house, including garage and the storage room at a low interest rate. The loan can be then subrogated to the buyer at the time of the deed of sale.


• The buyer gets a home at a price substantially below market. In contrast, the housing must be permanent address. In the future, if the buyer wishes to sell the house should sell at a price fixed by the Administration, who also has preemption.

The extinction of the protection comes after a period of time for pre VPOs Plan 2005-2008, varies depending on the promotion and the autonomous region. Currently, for Plan 2005-2008 Housing state law provides that public housing has a protection regime 30 years. Once disqualified the social housing that can be sold on the open market.

For more information about the support available for house purchase can visit the following link.

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Savings Account


The housing savings account is a type of special account balance is used for the purchase of a home for regular use and must be purchased within a specified period. The deadline to purchase that home is 4 years .

The housing savings account allows the holder to 15% tax-deductible annual amount received, being able to deduct a maximum on the amount of 9.015,18 € (maximum amount deductible: € 1,352.28).

The Act also provides for benefit of that relief money should be in an account called housing account. Serves any deposit account and even provided the balances entered solely intended to buy a home or reform.

We can find different financial institutions offering housing accounts like One-e with a 3.30% APR or entities that provide housing deposits Bankinter as a 3.74% APR. Indifferent to the type of option you choose, or deposit account, it is best to find the best possible performance.

If exceeded the maximum period allowed is not an acquisition of the house then you have to refund the amounts withheld plus interest for late payment.

planteándote If you buy a home in the near future, less than 4 years, and you have sufficient income should consider this option since you will deducirte a negligible amount of money.

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housing tenants' tax that no one knows

The Property Transfer Tax and Stamp Duty Documented (ITP and AJD) is an economic burden, almost unknown, that all people who rent a property in Spain are required to pay and that very few do. This tax is mostly people discover that their leases handled through a public entity.

The tenant must pay the levy for each rental contract to sign. The amount payable depends on contract length and the total amount due for the rental period. There are two ways: through a kiosk or in the Ministry of Finance of each region filling the Model 600.

to pay fees depending on the total amount are:

• Hasta 30,05 euros - 0,09 €.
• De 30,06 a 60,10 - 0,18 €.
• De 60,11 a 120,20 - 0,39€.
• De 120,21 a 240,40 - 0,78 €.
• De 240,41 a 480,81 - 1,68 €.
• De 480,82 a 961,62 - 3,37 €.
• De 961,63 a 1.923,24 - 7,21 €.
• De 1.923,25 a 3.846,48 - 14,42 €.
• De 3.846,49 a 7.692,95 - 30,77 €.
• De 7.692,96 en adelante, 0,024040 euros por cada 6,01 euros o
  fracción.

Por ejemplo, si alquilas una vivienda durante un año por 700 euros mensuales al final del contrato would have paid 8,400 euros and have to pay 33.60 euros in tax. (700x12 = 8,400 euros; (8.400-7.692,95) / 6.01 = 117.65 x 0.024040 + 30.77 = € 33.60 ).

disinformation about this tax is due to most leases are made between individuals and not go through a professional filter. In any case, remember that ignorance of the law does not excuse and in case of not paying the Administration can claim or even punish through the Income Statement.

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The overvaluation of the housing resale flats

In booms in the housing market there is a housing demand which causes the key in the intermediation business is the supply side. In these periods, selling floors with ease it is necessary that housing agencies are able to set up a portfolio of homes to meet that demand. Marketing in these periods is focused on the owners. The main objective is to convince them that your home will sell soon and the highest possible price.

One of the main strategies used by agents in these periods is tax the property at a price above market , so it's easier to convince owners that agree to cede the management of the property to agency. For many estate agents seems that this is not the most appropriate way to work even if they originated in this way the competition will take away their market share.

During a property boom to brokers are not concerned that the selling price exceeds its market value. know that housing will be sold soon . If the property is taken at market value sale can be formalized within 15 days. If it sells for more than 10%, it will take around 2 months. And if the price is higher than 20% of the sale can be extended to 6 months. The agent knows that in these periods houses sooner or later be sold, unless its overvaluation excessive. This behavior generates an inflationary spiral leading to, in certain locations, the price of m 2 ^housing new and used (under 25 years) has a similar price.

Furthermore, when demand is significantly reduced these procedures disappear and stop selling new homes mostly on background. Now the reduced demand, and existing homes have lower quality than new ones, are more affected by reduced global demand. In these periods of housing crisis, given the same location of the property, the price of second-hand homes is reduced much more than the new. Now intermediaries change their marketing strategy seeking to stimulate demand for family homes and investors. The goal now is to get the landlord to reduce the price of your home. Many agencies now refuse to homes if they believe are overvalued. Do not worry about the availability of properties because they offer plenty.

important thing now is to get the highest commission possible, but try to perform more operations. To this end, it is necessary that the price of homes in your portfolio meets the conditions of this new stage. This particular operation can explain why the prices of previously owned homes suffer more swings, climbing higher in periods de auge y bajando en mayor medida en los de recesión.

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rents up 4.2% in July

Según el INE (Instituto Nacional de Estadística) el precio medio del alquiler ha subido en el último año un 4,2%, frente a la subida del IPC que ha sido del 5,3%. En lo que llevamos de año se han encarecido los alquileres un 2,9% y en el mes de julio un 0,3%.

Cantabria ha sido la comunidad donde más ha subido, un 6,7% y Navarra la que menos un 2,5%. El IPC también subió más que la media en la siguiente regiones: Aragón(5,8%), Madrid (5,3%), Castilla-La Mancha (5,1%), Extremadura (4,5%) y Murcia (4,3%).

Furthermore, below the average have been Basque Country, Andalusia, Canary Islands and Valencia with 4%. It was also the case of Catalonia (3.8%), Asturias (3.5%), Balearic Islands (3.4%), Canary Islands (3.2%), La Rioja (3.2%), Galicia ( 2.7%) and Navarra (2.5%). As for the

insurance rates have been living an average increase of 3.6%, not having produced any increase from June to July.

For more information, see the evolution of the rent in Spain in recent years in this page INE.

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rights and obligations

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Mortgage bank guarantee in the dwelling

is a guarantee that requested by the owner for the rental of your home and helps ensure recovery in case the tenant fails to pay the monthly fees.

recommend you order the bank guarantee in special cases, but in addition it is necessary that the prospective tenant submit bank statements to ascertain the state of its economy and if possible personal references from previous landlords if you have them.

endorsement must not be asked to a person who demonstrates a good track record, as this will choose to reject the housing and other because their reports are a sufficient guarantee.

bank guarantee granted to the tenant own money to deposit in the bank and which is retained. If the tenant need for some emergency money could not make use of it. In addition, the bank charges a fee to the tenant.

For the owner is the best way to ensure recovery. However, if possible, is preferable to avoid it. It is best to select either the landlord to the tenant who will occupy their property to avoid after getting into a fight to start the eviction.

The bank guarantee is one more tool available to the owner as that the rental insurance. More and more these formulas are used due to the increase in the number of bad debts and lack of sufficient guarantees from tenants.

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Insurance dwelling


In Spain the total housing stock are dedicated only to rental 10%, unlike other European countries like Germany where the figure is 60% and 40% in the Netherlands.

The reason for the lack of the rental market is the fear the outstanding owners and tenants causing damage . This is compounded by the fact that the property is acquired in many cases as low investment and legal expenses available to the landlord against the tenant. One of the measures to alleviate this is the rental insurance, insurance policy offered by both public and private insurers.

rental insurance for individuals (private)

This is a product that few companies offer and engaging the landlord especially for unpaid rent. The annual fee payable is usually around 60% of the monthly rent. Eg for a rent of € 700 annual fee payable would be € 420.

To purchase this product, the landlord must submit all information relating to the tenant, that the insurer can verify solvency and have a certain warranties. To this end, should deliver the latest payroll and employment contracts. In contrast, the owner must present ID and lease. Coverage

• default. covers between 6 and 12 months of default by the tenant.


• Damages in the building. This is one of the coverage that most homeowners demand but not available in the best conditions. Some insurance covers up to 3000 € of damage but only if they occur during the process of eviction and is found to have been the result of vandalism. Does not include damage done during the period rent.


• legal aid. Some insurers offer this coverage, which provides legal defense of the landlord until the tenant gives the keys.

insurance is valid only for new leases from the date of execution, does not cover unpaid previous installments. Insurance

governance hire

public institutions within the emergency plan of the Ministry of Housing, municipal agencies have been created to channel the lease rent of floors, while providing homeowners insurance to cover the defaults.

• rental fee. are lower than those paid on the open market, giving priority allocation to low-income individuals who do not have sufficient resources to access housing on the open market.


• Term of contract. 5 years.


• Contracts. are formalized two contracts: one between public institutions and the owner and forth between the public agency and the tenant. There is no contract between landlord and tenant.


• Defaults. The public agency is responsible, through insurance signed with the landlord, the housing maintenance and delivery in good condition at the end of the contract. There is only one requirement that housing be subsidized housing (VPO).

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Internet banks chasing new customers


In the current economic situation after the first anniversary of the crisis of subprime mortgages banks continue to hunt the person to finance their operations by the difficulty of getting money in the interbank market.

In this case we will present the main deals hook up with major Internet banks for new customers only . Bankinter


- 3 month deposit at 7.5% APR + Bonoclip guaranteed. Minimum investment € 25,000 € 250,000 maximum.
- Deposit 1 month to 11% APR. 3,000 to € 30,000.


ING Direct - Orange Account, 5 months to 6% APR. No commissions and no change banks. Recommended

Openbank
- 3 month deposit 7% APR. Maximum of € 50,000.
- Deposit 1 month to 11% APR. Maximum of € 50,000.
- FOR ALL CUSTOMERS. Deposit to 9 months 5.35% APR. At least € 1000, only to new entrants.

One-e
- Deposit 9 months. First month 16% annual. Remainder of the period (8 months) referenced to Euribor -0.15 months. 5.67% APR (renewable every month Euribor).

Bancopopular-e
- 3 month deposit 6% APR.

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liabilities and financial conditions and will never be as before Did you buy a flat


The Deputy Governor of the Bank of Spain, José Viñals, took stock on the first anniversary of the crisis of subprime mortgages and said that the formidable financial conditions that have occurred in recent 15 years not occur again. Considers that although the banking sector in Spain has endured the turbulence of a solid, recommends seeking new business niches, reducing the financing of the residential sector. From now on the availability of financial resources will be much lower by the tightening in credit conditions.

Due to the worsening of the English economy has been a increase in the delinquency rate on the bench, something that in the opinion of Viñals continue to rise during 2008 and 2009, but financial institutions may face on the strength of their income statements.

Furthermore, Viñals argues that English banks have had a limited impact due to subprime crisis because its activity focuses on traditional financial intermediation, consisting of passive capture customers in order to grant credit, analyzing each case and controlling risk.

also said that the bank building on years of strong growth has accumulated provisions that now allow them to better cope with these times of economic uncertainty.

If you want to know how the crisis started in subprime mortgages may consult the following address . This is an explanation, although extensive, is easy to understand.

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'broad' and not enough to fit the sofa?


Facua (Consumers in Action) launches campaign for homebuyers who have trouble to denounce it. A large number of people complain that they feel cheated in the purchase of your home.

A common case is that of buying a new home that is under construction and for which no date marks the handover. This poses problems for buyers to look for a home for rent or hire a service that will save your furniture.

The delay in the delivery of keys is not the only problem. Buyers also complain that the dimensions of the building are not what they signed. In fact, it is not large differences but of inches but always downwards.
Another
irregularities are occurring in the construction defects, cracks, problems with plumbing, etc, and breach of the qualities that were promised to the buyer.

Therefore, Facua encourages all buyers who suffer irregularities and problems in the purchase of your home to denounce it, to defend their rights. The campaign is expected to last until the end of the year.

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Lease Less than 300 meters / Less than 300 m








200 meters from the apartment

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Front and Street / Front Street San Sebastián

The facade of the building and the street Paseo de Colón to exit the portal

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unforgettable / We have visited wonderful


You can see beautiful images in www.donostia.org / CAT / Home

Some examples:

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/ Our visitors

Hi Lourdes,
Again I Would like to say We Both Thought your studio in San Sebastian was really good. The location was perfect for us, close to the beach, Where We Spent a lot of time (I did Some surfing events.) Everything We Had It Also needed literally around the corner, supermarket, bakery, fruit shop and even a Chinese market. We were also very close to the old part of town where we went to many of the restaurants.
We are both food lovers, so our trip turned out to be very satisfying from that point of view. We have many good meals out, our highlight being the Restaurant Kursaal which was absolutely fantastic. We also enjoyed many glasses of wine and many many pintxos,, yummy!
All in all we had a fantastic holiday and would recommend your studio without question. Hopefully we will get to return again some time in the future.
Thanks. C...& A... (from Ireland)