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Investment property abroad, the Italian is more prudent

(Business and finance)

scenarios according to the study conducted by real estate, after years of steady growth decreased investment in bricks and mortar of Italians abroad (-20% earlier this year over the same period of 2008). aided by the collapse of property prices, still attracts the U.S. market, where they were completed 28% of transactions year to date. the collapse of sterling repositions the British market, where purchases were up 2% in early 2009. Irish news is a stillness, which collects the 5% transaction affectionate. as to the types of houses, Italians prefer to buy in central areas of large cities (45%), and in those value (30%) or semi-central areas (25%). more sophisticated solutions have an amplitude of 45-60 m2 (45%). follow the dwellings from 60 to 120 m2 (38%), from 120 to 150 m2 (12%), while only 5% of investors opting for bigger houses of 150 m2. the buyers are mainly entrepreneurs (38%) and professionals (25%), but there are managers (18%) and traders (13%)

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foibles of the rich: collecting

(New York times.com)

some people collect stamps, If you prefer ornaments and who loves miniatures. but tones hilton, wealthy and eccentric American lady, prefer to collect houses in our country, specifically in the area of \u200b\u200bMonferrato. since 1997, she and her husband have already bought property near St. 4 seconds, about 55 km from turin, which rent for only brief periods during the year

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homes in Italy In Italy the soft loans for new

(The Republic)

in Germany and the the northern European woman soft loans for homosexual couples and singles are already a reality, and now also arriving in Italy. The initiative was launched by the German BHW Bausparkasse AG, a bank specializing in home loans, which has just signed an agreement with the Arcigay to offer its 160 000 members loans at attractive terms. The Convention, however, is reserved exclusively licensed

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gay couples fall in house prices in Britain

(guardian.co.uk)

after the unexpected growth of 2% recorded in January, house prices in Britain fall again, down 2.3% in February, according to figures from Halifax, the largest bank in the country, which has also seen the annual price trend: -17.6% from February 2008 to February 2009.

on the basis of these new data, the institute provides that the crisis will continue throughout 2009 and will close the year with a further loss of 15% of the value of the quotations. rising unemployment, the difficulty with which banks provide loans and the continuing pressures on the incomes of the nationals make life particularly difficult "first-time buyers," that is those who have to buy a house for the first time

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high-rent, a milan 'initiative to help young and too insecure

Il Giornale

mini-subsidized housing fees for students, singles and casual workers. to address the housing emergency, the commissioner of the house john rod has proposed to reserve the new category housing 373 with a width between 28 and 40 m2, located on the second floor in buildings without an elevator.

is too small to house the families and inadequate for the elderly, but great for helping young people with financial difficulties. Palazzo Marino plans to donate the proceeds of the estate for the construction of new homes

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agreed for the consumer. banks clear the fixed-rate mortgages

Business News

With the Euribor levels never before seen in decades and a irs (essay reference for fixed-rate mortgages) close to the threshold of 3%, consumers would in theory be spoiled for choice on how to buy a house. pity that those who want to renegotiate your mortgage today are more of an obstacle on the path of "destruction" of the old loan.

some banks have blocked the transition from variable to fixed, others have even withdrawn their products at a fixed rate. to John Ferrari, attorney legal points, the network of lawyers to protect consumers, the attitude of the banks that it disregards the long-abi government with which the banks undertook to offer customers "a precise and transparent framework of rules within which is the central principle that provides for the renegotiation of the clientele concerned Hun additional tool. "abi rejects the accusations claiming that" the law can not force a bank to offer a particular product. "now up to the Ministry of Economy watch

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Energy, geothermal heat pump is growing in Italy

(Sole24ore)

Only in Sweden there are more than ninety thousand. Not to mention Canada, and Swiss cantons where almost a house in five has a geothermal heat pump plant. In practice this is conceptually simple air-conditioning systems, and tested for decades: a circuit of fluid (even simple acqua) si affonda nel terreno, e la pompa di calore (un frigorifero bidirezionale) vi trasferisce il caldo estivo e lo preleva in inverno. Bastano pochi gradi di differenza tra la temperatura ambiente e quella che viene dai tubi del geoscambio e la pompa di calore è in grado di moltiplicarla per tre o persino per sette, per ogni unità elettrica necessaria al suo funzionamento.

Pannelli radianti nella casa, d'inverno arriva acqua a 30 gradi, d'estate anche a 15. Per un'edificio a involucro ben isolato i risparmi possono raggiungere il 40-50% sulle bollette tradizionali. Con circa 15mila euro di investimento, una pompa di calore e due pozzi con sonde di geoscambio (in pratica tubi di polietilene a U affondati per un centinaio di metri) una house of 300 square meters can be heated by this technology, largely renewable. And men know, not only in Switzerland but also in Bolzano and Trentino, Italian tread of this emerging market. Who field in front of a free (and a house suitable for renovation) can even make use of the tax deduction of 55 percent.

"Italy, however, suffered a heavy delay in geothermal heat pumps - notes Sergio Chiesa del CNR, author of a recent study for the Cesi Research - representing only 8% of the Italian geothermal. Yet today this is today, globally, one of the most dynamic sectors in renewable energy. " "The focus so far has focused sull'elettrico renewable energy - said Gianni Silvestrini, president of the Kyoto Club - but the heat must go to four or five times what we have now. And geothermal heat pumps can make a major contribution. "

Yet something starts to move, and not just on small residential scale. Tread, for two years now, is Ikea, the first geothermal heat pump system in Corsico (304 probes) and now with that of Parma (213 probes), considered the largest in Europe. In front of the shopping center in Parma, what is now a yard full of tubes and small wells will become tomorrow's hardened parking for visitors. A reservoir of thermal energy, invisible and underground. "A tank, subtract the heat of summer to the circles and put it in the ground for the winter and do the reverse - explains Luca Tirillo of GroundHeat Systems, -: polyethylene pipes carry water only. The drilling was done in safety, with cylindrical steel jacket and special cement. The risk, in fact, is to alter the balance of the groundwater aquifer. "

The construction of a field of geothermal heat pump, in fact, is not something trivial. "A Corsico, we were faced with a highly polluted ground water first - said Sergio Giuseppini, designer of geothermal systems Ikea - if we had not drilled safely the risk of being put in communication with deeper groundwater and clean. A disaster, and the local administration would never have given permission. "

Corsico But now it works. As Parma has cost more than € 2 million, but has a savings target of 56% (approximately 200 thousand € / year) and then a return period of ten years. "So far, the data of the summer - said Giuseppini - Corsico is confirming expectations, with peaks slightly higher." And then, for Ikea, will be the turn of the shopping centers of Turin and Rimini, "where we will put heat pump efficiency even higher, given that technology is moving very quickly."

Il dato nuovo, però, è che simili impianti, di taglia medio grande, «cominciano a interessare direttamente i costruttori edili – osserva Tirillò – e per un motivo preciso. Un complesso residenziale a basse emissioni passa in categoria A, e può valere anche 500 euro in più per metro quadro. Un impianto di geoscambio centrale invece aggiunge, su ampie dimensioni, poche decine di euro in più di costi unitari».

È quanto si sta avviando in almeno due progetti: a Roma e nel Canavese. «Noi cominceremo ad aprile, su un lotto di 92 ettari a Roma Nord-Ovest, di cui 45 destinati a parco – spiega Barbara Mezzaroma, a.d. di Mezzaroma Energia, del gruppo Impreme – con a first batch of one thousand apartments, all serviced by a field of geothermal heat pump (about 200 geosonde) and a system of heat pumps for at least one third of air conditioning, and 40% with biomass boilers, most small wind. "

the same "Ninsola in San Francesco al Campo. "Five houses - says Giovanni Miccoli GV Construction - High thermal insulation and underfloor heating with a geothermal heat pump central park of 22 probes, water at 22 degrees in summer and hot water directly produced by the heat pump." Barbara is an enthusiastic Mezzaroma building zero-emission - "Many competitors said that we waste time when we started our first project home Kyoto ' - But today is also an economic forecast states: "Each of our apartment with zero emissions can also mean less than 900 euro per year, an installment loan. And even if, in class A +, cost us 15% more than we sell them at the same price today. In this way the customer base will gain about twenty years. It seems a good proposal for a housing market is still as of today. "

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In real estate transaction in 5 is of Arabic origin

(Sole24ore)

Until a few months ago about the spread of Islamic finance seemed excessive, now that the economy revolves around the Koranic laws appears instead of the few to have absorbed the international crisis. After the financial crises of states U.S., Europe and Russia, the real financial powers on the market today seem to be the Persian Gulf countries. And then the Islamic finance, and Arabic, the re-emergence. Maybe for events with that business seems to have little to do as the attempted purchase of Kaka from Manchester City of the sheikh of Mubadala fund (the fund that bought the Manchester). According to a study by Jones LangeLaSalle in 2008 the Gulf countries were the largest foreign investors in real estate with five billion dollars in the first half of 2008 (2.6 billion just in the UK and one in the U.S.) and the balance of 'full year should be well over 7.6 billion recorded in 2007. Could reach 25% of the total of all the great global transactions, as in the first half of 2008 the worldwide total is now up to $ 23 billion. The GCC (Gulf Cooperation Council) is a power that now attracts the interest of any seller.

GCC includes Saudi Arabia, UAE, Qatar, Bahrain, Kuwait and Oman. Countries that are working to create a common currency but with great differences within them, some Western military bases are home, others prohibit drinking alcohol or driving licenses for women. In short, a world that, despite the increasingly frequent exchanges with the West, maintains deep peculiarities. As the prohibition of interest income which in fact the basis of Western finance. And the Islamic finance is particularly strong because its dictates by protecting them from the mechanisms that have crippled the world economy and reduced securitization financing only for real assets, as they explain all'Assaif (advice for Islamic finance). And since we do not have to adhere to the Islamic religion (for example 25% of financial assets in Malaysia although it is not respectful of the Shari'a is not surprising that an Arab country is catching on worldwide.

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Islands for sale

"I wish that somewhere there island reserved for the wise and good will," stated Albert Einstein . What a atoll staff, to live with a few people really like, could only sognarselo, since he had a salary from a university professor and two former wives who pay maintenance.
Even so, in the last century, owning a small piece of land protected from the water was a privilege reserved for Hollywood stars such as Marlon Brando or ballet legends Rudolf Nureyev as . O of ancient families, such as the Borromeo, for centuries the lords of three beautiful islands in the middle of Lake Maggiore.

"But today there are atolls and small land within reach, if not all, of many," says Farhad Vladi , a German of Persian origin that has transformed his passion into business for the islands, born after reading Robinson Crusoe adolescent. He is chairman of the estate agency specializing Vladi Private Islands, based in Hamburg (tel. 004 940 338 989, www.vladi-private-islands.de ) and Halifax, in Canada, which currently boasts the largest number of private islands in the world.
"I sell a thirty year, not only in the Tropics" continues Vladi.

"Almost all are in the price range between 200,000 and 2 million dollars. Although there are less expensive, around 100 000 €. And, of course, expensive. " Not always are the most prestigious deals in exotic places. It is on sale at $ 22 million, for example, the castle Singer (costruito nel 1905 dal proprietario della fabbrica di macchine per cucire) di Dark Island, poco lontano da New York.
Una delle isole meno care in commercio è Punta Tigre, nel Mar dei Caraibi, poco a nord di Panama. Costa solo 50 mila dollari ma si trova nel Golfo di los Mosquitos: vale a dire Golfo delle Zanzare. Un nome che promette male.

«La flora e la fauna, insetti compresi» consiglia l'agente immobiliare tedesco «sono un fattore cruciale nella scelta del proprio eden privato. Una pianta cui si è allergici, per esempio, basta a trasformare il paradiso in un inferno. E in uno stesso arcipelago spesso ci sono isole senza serpenti e altre infestate di rettili velenosi». E come fare ad appurarlo? "I always recommend a rental period before the purchase final."

From: Partridge Island, near Halifax in Canada, and Singer Castle on Dark Island, in upstate New York

According to Renée Redmond's Private Islands Online, an agency based in Canada, which operates primarily via the Internet, "an island that does not like to sell it is difficult, because the market is still quite limited. To find a buyer, it takes on average three years. " What are the factors to consider before making a choice so difficult? "First of all titles of properties and constraints on the construction," answered Vladi "not to discover too late that the island can not be built."
construction costs, among other things, are much higher than on land. "Making a living wild island" says Redmond, "often requires double the money spent to buy it. You must purchase at least one pump for drinking water (or water-maker, if no source), an electric generator and a telephone. And build a dock for the boat or an airstrip. "

The political stability and security are important. In the event of a revolution is not uncommon for property to be seized foreigners. "There are countries, like Indonesia, "recalls Vladimir" where only the locals can buy land. Some people using the dummy, but I do not recommend it: the risk of fraud is very high. "
In certain areas, then, there is a danger that sbarchino modern pirates on Treasure Island. "Or simply that helmet on a coconut," added Vladi "why not sell the islands that are located more than 90 minutes the nearest hospital." In short, it's okay to feel Robinson Crusoe, but with common sense.

So it takes the spirit of adaptation, however. "The owners most satisfied" Redmond points out, "are people who love nature and freedom, they can do without the superfluous and are not taken by the sudden desire to go shopping. Generally good islanders are perfect and passionate yachtsman. "
But any would-be dictators of the Free State of Bananas can abandon their dream. No one can think that buying an island means to become king. There are today, that land does not belong to any sovereign state and are not therefore subject to their laws.

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trends in the luxury market: the home of fine art

Milan and Finance

the latest trend in the segment of fine homes, luxury real estate concerns protected by the fine arts. according to the latest study by gabetti, 47.5% of the buyers of research especially with buildings elements of art (the historic facade, the interiors of the era, the frescoes, mosaics and original floors), located in the historic center of cities like Rome, Florence, Venice, Milan. it is a type of dwelling devoted to exclusive, largely at the urging of professionals, Italian and foreign entrepreneurs. according to the research office gabetti even the luxury market, although they are less affected by the crisis than other sectors, recorded for the second half of 2008, a decrease in the number of transactions and prices. in Milan there is the most significant decrease (-12%), only keep the streets of the fashion district, where property di lusso si può arrivare a spendere fino a 25mila euro al m2, 23mila se da ristrutturare.

appena più contenuti i prezzi in altre zone molto ricercate come magenta (fino a 11mila euro al m2 per un appartamento di super-lusso, che possono scendere a 8mila se da ristrutturare), brera (9.500 euro/m2 ristrutturato; 8mila da ristrutturare) e porta venezia (dove non si scende mai al di sotto di 7.500 euro /m2). quanto ai canoni d’affitto annuali, si passa da un massimo di 360 euro/m2 richiesti nel quadrilatero della moda, a un minimo di 200 euro/m2 in zona magenta. la contrazione delle quotazioni è stata invece più contenuta nella capitale (-6%), dove per un’abitazione di lusso nelle zone esclusive di piazza English Steps and Piazza Navona you can get to spend 25 thousand per m2, 23 thousand or 20 thousand if renovation. the highest annual rents are recorded instead of being three watches (360 per m2), while in Piazza Navona and the English Steps are unlikely to exceed the 300 euro/m2

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loans in the 4%, but banks do not comply

the decree fixing anti-crisis 4% the upper limit to be applied to variable-rate mortgages. However, many users find themselves having to pay more in rates at a higher rate, although the current level of testing this threshold should never be exceeded. how is it possible? lack of implementing decrees, also the circular released by the Treasury, which provides the banks until the end of February to comply with provision of law, "authorizes" the banks to take time.

rate of contraction in the meantime if there was, this is due to the steep fall in Euribor and the intervention of the banks so that Mauro Novello, Secretary-General dell'adusbef warns consumers should pay attention to spread the charge that banks decide to add to the base rate as its income. if this is too high it is worth renegotiation. for Novel "is better than switching to another mortgage"

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but prices do not fall in milan.

Sole 24 0re

in 2008 the sales of properties in Milan were down 13%, but the room housing the bag of Commerce of Milan prices have not declined, indeed, have even a slight increase (+0.4%) in the segment of the "new".

a framework for anything in line with the concern created by the economic crisis and the lengthening of the time of the sale of homes that now is about 7-9 months. the budget of the last six months about a number of areas where there were price increases: the basin of the port and Genoa navilglio (+5% 5,300 per m2), Via della Spiga and Via Montenapoleone (+2.1% 11,900 € / m2), fair sempione (+1.1% 4,700 per m2), via Washington (+1.1% 4,650 per m2) and a less sensitive areas such as the Brera, istra Maciachini and San Babila.

prices almost unchanged in the square Missori, St. Ambrose, the new republic-door, buenos aires, square Lastovo, Paolo Sarpi and Viale Abruzzi. prices down only in the peripheral areas of the city with the biggest drop recorded in lambrate (-3.2% 3,050 per m2)

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The crisis raises the rental market. Rate

(Sole24ore)

too long waiting for the sale of real estate and little desire by owners to lower the demands are pushing more people to rent a home in the basis of profitability steadily to 4.9%. the availability of rental properties is growing for the first time in years, an unprecedented situation for a market traditionally asphyxiated (for too many taxes and the difficulty in finding tenants of confidence).

demand increases compared with rents stable. those who opt for the rent is not PLEASED buy orders, families and young couples on low incomes, older in terms of economic or social disadvantage, immigrants, students and numerous off-site employees in public services unable to cope with spending Home

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down, because the market fails to start?

(Corriere della Sera)

even if the cost of money, at least four years now, and the tendency of market prices allow moderation to euphoria, the suggestions of the experts are based caution.

if Admittedly, the financing of a fixed rate mortgage has dropped by half compared to the average of 2008 (5.5%) and the variables are back below the 4% threshold, you should always deal with the cyclical nature of an increasingly fluctuating. variable mortgage, at current rates is subscription only if you are able to sustain increases by at least 30% of monthly expenditure.

however the real problem seems today the availability of credit more than the cost of the same. banks provide loans with the dropper to private entrepreneurs and burned or directly affected by the crisis. These two factors together determine the stagnation of the housing market

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bricks wobbles but does not collapse!

(Courier della Sera)

il mattone italiano barcolla ma non crolla.

questo in sintesi il pensiero di guido lodigiani di gabetti, a corollario dei dati relativi all'ultimo semestre 2008 rilevati dall'ufficio studi gabetti. il perchè è dovuto all'offerta non elevatissima di case e non ci sarebbe, sempre secondo lodigiani, il pericolo di vedere il mercato inondato di immobili di mutuatari non più in grado di pagare il loro debito.

il calo dei prezzi comunque c'è (-4% a roma, -5% a milano) e potrebbe proseguire nel 2009, soprattutto nelle aree periferiche delle grandi città, per via del calo delle erogazioni di finanziamenti scese sensibilmente nel terzo trimestre dell'anno scorso, un trend destinato to continue this year despite the cuts in European Central Bank (ECB) interest rate.

to reign in the market is the uncertainty due to particular economic time, which brings potential buyers to ask: why buy a house today that tomorrow I could pay less? and banks: why give today a loan with a mortgage that could be worth less tomorrow? In this situation the prices will continue to decline in 2009, but without the crashes of two figures recorded in other European countries. the worst performance in the suburbs of large cities (-5% in Milan), but the central areas will or will lose a little (up to a maximum of -3%)

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china, a refund on taxes to boost the housing market

Chongqing a city in southwestern China that is causing real estate these days an interesting discussion. to deal with the crisis, the local government has proposed a plan that provides for the reimbursement of 40% tax on income from the new owners of a mortgage, until 2012. Program supporters emphasize that the initiative could give new lifeblood to the property market, an important indicator of the purchasing power of consumers. is not as enthusiastic about the central government tax refund would deprive the treasury of a large portion of the funds earmarked to rehabilitate the Chinese economy overall. The main fear is that other big cities may follow the example of Chongqing, which if pensato di agire in questo modo è anche perché ha sofferto la crisi immobiliare in modo più sensibile. se infatti, nel 2008, i prezzi delle abitazioni sono calati mediamente nel paese dello 0,4%, a chongqing il crollo è stato del 4,9% su base annuale

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britain, the central bank cuts rates again

(Times co UK)

i dati ufficiali pubblicati lo scorso mese parlano chiaro: non solo la gran bretagna è in recessione, ma nell’ultimo quadrimestre del 2008 il prodotto interno lordo è precipitato di 1,5 punti percentuali. se poi a questo si aggiungono le infelici previsioni del fondo monetario internazionale, che parlano di un’ulteriore caduta dell’economia inglese del 2,8% nel 2009, si comprendono i motivi che led the Bank of England decision to cut interest rates by a further 0.5% to 1% share. not just the banks will adjust, 3.6 million Britons who have contracted a loan at a floating rate pegged to the rate applied by the Bank of England, in the coming months will enjoy a substantial saving. for example, who has contracted a loan of 100 thousand pounds, will enjoy a savings of 40 pounds per month. and experts have warned the Bank of England could continue the race to the bottom

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Green Building: Green has started a revolution

(business and finance)

now it is no longer a "fad" for individual units housing: the "green revolution" extends to apartment buildings, skyscrapers, whole territories. nourished by a new awareness of growing concern for the environment. is not only a discourse ethics, but also energy savings of up to 20% in the long run. and projects abound: in Chicago is waiting for the big clean tower, a tower that will use wind energy to ensure energy self-sufficiency. Dubai tower will be built instead of the dynamic, high-rise consisting of 68 floors, each of which can rotate independently. In this case, the energy required to derive the building activities, as well as wind turbines and solar panels, also from the independent movement of the plans. in our country there are initiatives worthy of note: in milan, the redevelopment of the new port is to create a sort of "vertical forest, with plants that run along the walls of the building, further enriched by a new park surrounding area of \u200b\u200b90 thousand m2

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200 thousand fewer seats in the construction sector for 2009

(Markets & Finance)

in 2009 will be built for less. the crisis will reduce private investment of 3% and 4.7% public ones. for recovery must wait until 2011 according to forecasts assoimpredil-ance expressed on the sidelines of 'Made Expo ", the exhibition of architecture in Milan. the picture is not rosy especially if compared to the European reality. Italy in the fall it will be 5% compared with declines of 1, 5% in France and 2% of the UK. worse will only Spain, a decrease of 15%. to revitalize the industry, manufacturers hope a streamlining of administrative practices and increased investment in infrastructure. according to the chairman of Assimpredil-ance Claudio De Albertis the construction sector is an area that will see a loss of jobs estimated at 200,000 at the end of 2009

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further fall in prices for homes Luxury London

(Times Co UK)

in January, house prices London's most exclusive suffered the second worst drop ever, as a result of global financial crisis. The average price of a home assessed more than a million pounds has lost 3.7 percentage points over the previous month, according to Knight Frank. in the last 12 months, prices have slumped by 21%, the largest drop in history, according to the consultant

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the house? safe investment!

(Corriere della Sera)

the house is an investment that is reevaluated over time. reveals a study by courier on economics studies UBH office data relating to real estate values \u200b\u200bfrom 1984 to present. 25 years in real estate values \u200b\u200bhave tripled, passing through phases of growth (1992, when property values \u200b\u200bwent up more than 15% in one year) and decrease (-16.2% in 1993). However, for a profitable investment in bricks and mortar you have to buy at the right time. who bought in 1996, for example, scored a 56.5% appreciation on inflation (4 ½ points per year), on the contrary, those who bought at the top of 1992 to record a loss of 6, 1. but it is the negative result emerged from an analysis in which the sign is to prevail and more buildings are revalued with a faster pace of inflation