スペインの不動産市場と住宅価格についての面談記事
Gustavo Sáiz y Juan Esplugues
Precio de la vivienda
Viernes, 15 de Marzo de 2013
Gustavo Sáiz, presidente de Tasaciones Hipotecarias, y Juan Esplugues, director del área de transacción residencial de BNP Paribas Real Estate en España, charlarán con los lectores sobre el mercado inmobiliario y el precio de la vivienda.
Gustavo Saiz and John Esplugues
House prices
Friday, March 15, 2013
Gustavo Saiz, president of Mortgage Appraisals, and John Esplugues, director of residential transaction BNP Paribas Real Estate in Spain, will chat with readers about the housing market and housing prices.
Netizens ask Gustavo Saiz and John Esplugues
piti
1. 15/03/2013 - 11:08 pm.
When falling over the floors?
It depends on the area and the specific characteristics of the dwelling. The mean decrease in property in Spain can be around 30% since the start of the crisis, although with significant differences by type and areas. The decline has been more pronounced in the case of second homes in some coastal and mountain areas, not all. In those areas and types where adjustments have been undertaken more severe downward path will obviously be lower. On the other hand, there are very specific local areas whose price behavior can be seen very aggressive marketings distorted by large portfolios of financial institutions, which is higher than the price discounts apply for balancing supply and demand.
Miguel
2. 15/03/2013 - 11:10 pm.
What is the way to determine the price of a flat for sale in these difficult times?
Best, access to a professional counselor who will inform you of the estimated value. In times of great volatility acquires more sense than ever by experts.
Rafael
3. 15/03/2013 - 11:11 pm.
Good morning, my name is Rafael Pico and my question is this: Could be considered "unfair" to have under the conditions of the mortgage a "floor" of 2.5 and a "ceiling" of 16?, Given that to sign the mortgage is not reported in this report point yauque is currently not understood, but is signed.
Although the question beyond our professional competence, given the importance of the good that is being acquired by a mortgage and its cost what we recommend is that before you do a signing careful reading of all the clauses and who do not subscribe until complete understanding. It is advisable not to sign at the same time and go to contract an expert to seek advice.
armandojsegura
4. 15/03/2013 - 11:13 pm.
What are the prospects for houses on plots of 1000 m2 in urban residential areas in terms of current prices and potential prospects in the short and medium term?
Undoubtedly, the asset referred not belong to a common type. Being a product is likely to have a market atypical atypical and therefore the case should be studied in more detail, knowing the location and the particular characteristics of the dwelling.
Sergio
5. 15/03/2013 - 11:15 pm.
Good: I bought in 2009 at a floor price of VPA 1570 euros per square meter. What is the real price today? housing is in Gijón, Asturias.
As you know, the price of this type of housing is subsidized and therefore, under normal conditions, should be below the market price. The module prices have not changed to the downside. What can happen is that the price of homes has dropped free environment and, thus, have approached the subsidized price. For the data you provided your home is in a group B of VPA. Currently the module is still in force, so that the maximum legal value of your home has not changed. However, the accumulated variation of housing price of resale in your region on average may have exceeded 30% since 2009, when you purchased your home. If you give us the exact address of your home can provide the estimated value today, a value that would relate, though, to free housing.
jagc56@gmail.com
6. 15/03/2013 - 11:16 pm.
I have a shop in a central area of Almeria in 2007 the price was 5000 euros per square meter what price would be reasonable today? The local has 200 square meters and can be bent because it is very high.
For the data that you provide, we believe that your site must be located in the Catholic Kings, a parallel or a crossing near the Paseo de Almeria. Currently in Almería is occurring, as in many other areas, a major adjustment of prices due to low current demand for this product. For the hypothetical location we can deduce from the data provided, we estimate that the rent would range around 10 euros/m2/mes.
alk
7. 15/03/2013 - 11:20 pm.
What if, as it seems, the floor price is far below what predicted the "bad bank"?
The Sareb going to be an actor in the housing market and, as such, their pricing policies apply to be conditioned by supply and demand. In any case, the market will determine who can reach far lower prices.
sas
8. 15/03/2013 - 11:24 pm.
I have two questions. The home prices will rise again? How can increase the price put elevator? Thanks
Every cycle has downhill and uphill. Right now we are in the part of the descent and after a certain time, do not know how, come back up. It is expected to fall on the same time and trailing processes alternative depending on the particular conditions of each environment. Furthermore, the addition of the elevator will certainly increase in value, especially if the home is located on the upper floors.
ARIEL
9. 15/03/2013 - 11:27 pm.
Good morning, I have been with you in some other auction ... When is the next? ....
The next scheduled auction we do it in the Canaries during the months of April and May. The type of product will be second homes, mostly, and in the coastal area.
Buyer hasty
10. 15/03/2013 - 11:31 pm.
In 2011 I bought a home plan two bedroom apartment in Madrid. I give the floor this year. I have a contract with the price and the inability to give up because it would lose the amounts paid on account during this time. As prices have fallen, have possibility of renegotiating the price. Thanks
We understand that you signed a contract in which the delivery of housing was postdatada. The decision possible renegotiation of any aspect of the contract, in this case the price should be agreed between the parties.
QUIM
11. 15/03/2013 - 11:36 pm.
What will happen when banks want to clean up their balance sheets and offered for sale all foreclosed homes? The price will fall much more?
They do and are already doing, in fact. The restructuring and recapitalization of the Spanish banking sector requires financial institutions to the creation of asset management companies to provide greater transparency to the market. Each entity decides its divestment process and the market ultimately will have to regulate supply and demand.
J.Carlos
12. 15/03/2013 - 11:39 pm.
What value does the appraisal prior to the purchase of my home-made in 2008 - whether to date the bank to embargo my flat?
It is a reference value at that date. For the current value should make a new appraisal that considers the current market situation.
Sister Rita
13. 15/03/2013 - 11:41 pm.
I want to buy a villa of 160 meters off the coast of Cádiz. What do I get cheaper to buy or build?
It is always more attractive build your own home and you can also save the benefit of the promoter. While management is building a housing complex and unless they have knowledge and time is better placed in the hands of experts.
rous
14. 15/03/2013 - 11:43 pm.
I want to order an appraisal what do you recommend to learn to choose the appropriate appraisal company?
Logically we recommend our services through Mortgage Appraisals. We are supported by our experience as appraisal company with more experience in the sector.
Abelian
15. 15/03/2013 - 11:46 pm.
Hello, I bought a vpo two years ago and I delivered later this. Two years ago, a hundred thousand euros was a good price, but now, in Dos Hermanas that price is not so cheap. Keeps downloading the free rent? It would be worth leaving the VPO and buy a free income?
Because the module has not been stable VPO down, it is possible that the rental price is close to that of free housing. In that case, interested rent-free housing since has no legal limitation (sale, rent, price ...)
Angel
16. 15/03/2013 - 11:50 pm.
Would I could tell as you might sell an apartment of 75 m in Comandante Zorita 30 years old and in good condition?
With the data provided, your home could sell between 200,000 to 250,000 euros. To make a more accurate estimate, we should have more data on your home.
Impatient
17. 15/03/2013 - 11:52 pm.
Good morning. I bought a one bedroom apartment in Avila in 2004, second-hand. Nine years later I would sell it. I do not want to win but not to lose. Should I wait to sell?. Thanks
According to statistics in our possession, current prices in a municipality as Avila can be found very close to those of 2004. So if you want to make gains can not be a good time to sell.
July
18. 15/03/2013 - 11:56 pm.
Hello, I need to assess a building of second homes in a seaside location in Granada, with housing, parking, and retail, system scales or what should I use?
The first thing to know is the purpose of the valuation. If the granting of a mortgage, should be performed by an appraisal company regulated by the Bank of Spain. The method is usually used to mark the international standard is the comparison. If the home was rented or was protected should also calculate income and value in the highest legal value.
GERMAN
19. 15/03/2013 - 12:00 pm.
Could you give me information about the auction in the Canaries? What a place, price, date and details? Thanks
We encourage you, please visit our website (www.subastas.bnpparibas.es) for details of the process when approaching the date of execution.
Farewell Message
We thank all the questions that readers have sent us and we apologize to those we were unable to respond due to time constraints. We hope to serve you in future meetings of El País digital. Greetings
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