スペインでは、不況のために新築住宅が売れのこり、60'000ユーロ以下の格安新築住宅がたくさん
Se vende piso por 20.000 euros
Los bancos ofrecen cientos de viviendas en toda Cataluña por menos de 60.000 euros
Las entidades ponen a precio de saldo la obra nueva que lastra sus balances
Clara Blanchar Barcelona 9 JUN 2013 - 12:17 CET
For sale apartment for 20,000 euros
Banks offer hundreds of homes throughout Catalonia for less than 60,000 euros
Institutions at bargain prices put the new work that hampers their balance
Clara Blanchar Barcelona 9 JUN 2013 - 12:17 CET
In Sant Jaume d'Enveja, in the Ebro Delta, it is not uncommon for one of the kiosks will sell the newspaper clad in garish blue bag which announces "new construction apartments from 20,000 euros." Solvia are the property of Banco Sabadell. There are not that price, but from 34,000 euros. Not a bargain isolated. The banks are pulling off at bargain prices hundreds of new construction homes that have long finished, there is no way to sell and cost to maintain.
Below the psychological threshold of 60,000 euros, there are around Catalonia. In Tarragona (capital, Santa Barbarà, Deltebre, Amposta, Constanti ...), Lleida (capital, Linyola Mollerussa, Balaguer, Tarrega, Alcarràs ...) and in Barcelona (Callús, Artes, Santa Margarida i els Monjos ...) and Girona ( Tordera, Figueres, Olot ...).
Below € 60,000 listings in
throughout Catalonia
These stories come from two sources: either they are promoters executions by not selling the flats could not pay the loan of the work, or are poisoned legacy of the small boxes that absorbed large entities. Assets that harm the balance. "A balance housing is very expensive to maintain: management fees, VAT, taxes, maintenance ... the cost is between 12% and 15%," says the professor of Applied Economics at the University Pompeu Fabra (UPF), José García-Montalvo.
Entities shall not reveal the maximum discount will apply. The limit is that the price is not less than the construction cost. In web pages include discounts of up to 55%. Official figures from the National Statistics Institute (INE) speak of a fall in the price of new housing in 2012 from 11.5% in Catalonia: the most imminent from Spain in the fifth year of consecutive declines. It is worth remembering that at the party 60,000 euros of real estate in a city could not be bought or a parking space.
Young couples and foreign, to purchasers of cheap flats
And there is another factor to stress, according to experts. No matter how aggressive they are the offers, the banks never lose money, they say. And explain that you do not lose because they have previously provisioned because the real estate portfolios assumed entities other boxes did the Asset Protection Scheme (APS), an endorsement of the FROB or the Deposit Guarantee Fund which provides cover up to 80% of the potential losses that absorb brick. In this sense, the API lamented last Friday during a seminar held in Salou that banks are distorting the market, "because they have between 70% and 80% of the housing stock and apply discounts of up to 60%," says manager of the Chamber of Commerce of Girona, Joan Company, reports Mercè Pérez.
Each entity has its strategy to market these assets, but there are rules. "The assets differentiate entities that have a fair market, which can be sold in the next two or three years, of which not: here is when they make drastic price cuts," says CEO of the consulting Irea, Mikel Echavarren.
The CEO of the consulting Irea [remember that the EPA covers almost all losses. Echavarren alert another issue: eye with discounts because these homes that take so long unsold may be in poor condition, or are missing paperwork as notary fees and registration or license of first occupation. A bureaucracy that must be added to the sale price.
Banco Sabadell solvia confirms this warning. Its regional director in Catalonia, Jordi Rodriguez, explains that "in many cases" it is necessary "to take an additional expense" to reform or update housing, hence the prices are so low. The company has now launched a promotion to sell homes in coastal areas, assets largely come from the former CAM, Caja de Ahorros del Mediterráneo. Meet product to product, municipality to municipality and can adjust a lot of offers.
Some of the new construction dwellings require bureaucratic costs
Rodriguez explains that sales are going very well: "In some cases they are running," he says. Buyers are either young couples who have just acquired the area for first home a product that was designed for second, and "there is a growing demand for local investor, very knowledgeable about the micro market, you can put on rent even several, encouraged by the new law, which protects you more. "
In the case of BBVA, part of their portfolio comes from Unimm, whose integration was completed in May. Sources from the company explained that a third of sales are made without funding and has grown the demand for foreign buyers. That gives an idea that the phone sales Altamira, the estate of Banco Santander, offers the possibility to speak to an operator in English. Solvia also has operators who speak Russian.
Idealistic portal, which has the result of banks since 2009, has found that the price is the formula for success: "There savvy banks, who do well and have realized that the key is to adjust the price. In other responsible entities do not come from real estate and are reluctant to lower with the argument that the brick does not drop, a mantra that has finally been broken, "says the founder and director of studies of the portal, Fernando Encinar. "The good news," he concludes, "is that when there are no buyers adjustments".
However, it is not as easy to set price. "The market is broken, there is no reference value," says the director of the branch network and foreclosed assets of consultancy CBRE, José Luis Martín. "Ultimately, the reference value should be the carrying amount of a product that hampers accounts which entities should drain, because it runs the risk of being busy, and it costs to damaged," says the consultant firm, which before the avalanche of product has created a site which has been dubbed houseoutlet.
Ojo, however, because there will be many more deals. From the consultant Irea, its CEO launches a final warning: "There are thousands and thousands of flats that can go to the banks. Most are still in the balance of the estate ".
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