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House, Nomisma estimates for 2011. Slight recovery in the trading cities of central and northern

"The worst is over without any major shocks. The trend in sales is considered stable by 609mila of 2009 will go to 635mila about this year, after an important player in the third quarter of this year in the capitals of Central and Northern. Of course, we are very far from the peak of 845mila vendite del 2006». Così Luca Dondi Dell'Orologio, economista della società di ricerche Nomisma, parla con il ilsole24ore.com del 3° Rapporto 2010 sul mercato immobiliare, il più importante dell'anno perché riguarda le grandi città, che verrà presentato agli operatori del settore domani mattina alle 10,30 a Milano.

«Il mercato - spiega Dondi - ha di fatto tenuto grazie alla domanda nel 2009 per investimento e al fatto che nel 2010 le banche siano tornate ad erogare mutui.I prezzi medi sono ancora in calo mentre per la prima volta i canoni di locazione fanno registrare una tendenza migliore, pur essendo sostanzialmente stabili».

«Si può dire che si è avviata una fase di stabilizzazione that will continue in 2011 and there are no signs for a rebound. The recovery of transactions will be very slow and gradual negative after three years. " The Italian property market is slowly stabilizing after the reductions that have begun to appear in 2008, then acutizzatesi in 2009. 2010, in fact, represents a year of adjustment after the sudden vertical drop in sales in 2008-2009 on the front and the less heavy, but still unusual for the Italian market, prices. The demand for real estate is not mentioned as still in growth, but are gradually running out of negative information that had characterized the last months, all real estate sectors considered. Co-products, by location or quality of sales, are not or are struggling to find buyers, while the primary funding for location, architecture, energy consumption is still required.

The 2010 goes to close, even in Italy, as in most other countries, with recovery in the housing market despite a difficult macroeconomic environment. After the acute phase of the storm, from the last quarter of 2008 to the first half of 2009, the numbers Immobiliare began to rise, albeit slowly, the china. This interpretation is also supported by the improvement of the opinions expressed by the panel of operators who regularly Nomisma interview and that, especially in perspective, see a strong stabilization of housing prices within a framework of recovery trend in demand. Always

operators interviewed by the research center in Bologna, we get the confirmation of improvement in the economic as regards the housing market, through the reading of indicators as the amount of the discount prices (on average by 12.6%, descending to 9.4% for the new (beware not to overdo it), a year ago was 7.7%) required by the vendors as well as the time of sale (on average a little over six months) and location. All these indicators, in fact, are moving average and significantly downward reflecting a renewed interest in investing in homes. Furthermore, even rents of housing in the second half did not give more, and having fallen for four consecutive semesters. They left on the ground eight percentage points since 2008, returning to the actual levels of 2002.

"In short - Dondi claims - has not failed the traditional propensity to invest in" bricks "for the return that it may portray, percentage yield that today touches the lowest levels of the last twenty years but remains competitive compared with retractable from other forms of investment and adequate to support the necessary leverage. " About the rental sector, operators, consulted on the possible effects caused by the introduction of the coupon dried to 20% on rental income, alternative to the personal income tax on the income of the owner, whose introduction is planned for early 2011 (but, given the protracted time of gestation, is unlikely to meet this schedule), argue for a scenario footprint stability on royalties and buying and selling prices, and is expected some recovery of leases and, secondly, even those sales. The forecast

buildings. "If the loss of investment in construction - we read the report - we add the loss from the market in terms of amount of sales, equivalent to ¬ 25% since the beginning of the crisis, you get a lower value of the assets of the fund about 55 billion which is likely to worsen again, given the negative predictions for 2011 on construction and real estate market and non-flattering. " In the next year, the demand for housing, both new development and redevelopment of residential assets, should show hints of slight recovery, limited to the segment of clients represented by households for their own use. In the residential sector for 2011 for new homes is expected to witness a moderate growth of prices, although less pronounced than projected four months ago, with a +0.2% in the first half, and +0.6% in the second semester.

The supply and demand for mortgages in Europe and Italy

Information più aggiornate sul mercato dei mutui sono quelle fornite dagli intermediari creditizi relativamente al terzo trimestre dell'anno in corso. A questo proposito, la percentuale di banche in Europa che segnala un irrigidimento dei criteri per la concessione di prestiti alle famiglie. In Italia cala la quota di operatori dell'intermediazione immobiliare che segnala difficoltà da parte delle famiglie ad accendere un mutuo per acquistare l'abitazione, rispetto a quanto registrato un anno fa, ma rimane sempre elevatissima, poco al di sotto del 90%. Permangono, tra i motivi prevalenti alla base di questa difficoltà, la richiesta di garanzie aggiuntive da parte delle banche oltre ad una più bassa copertura del mutuo rispetto al prezzo di acquisto della casa. Nonostante Hence the average throughput is constantly growing.

Business

segments in real estate for the company rents continue to yield significantly. Offices, retail and industry are united by the systematic increase in time for placement on the market and the widening of the discount in the average sum of trade negotiations. David says Dalmiglio, head of retail capital markets at Jones Lang LaSalle Italy about the commercial sector, but its notations may apply, with appropriate adjustments for the entire property market, including the home: "Many secondary products remain unsold. The investors are mainly focused on core products, and still primarily existing shopping centers, dominant in the basin of reference and a history supported by solid economic and financial data. The sustainability of the fees, in particular, is one such financial indicators that most drives the investment strategy of funds. In this light, development and, in general, the center of new construction is considered a product of investment risk and few investment opportunities with this profile are able to attract international investors. "

- Bronze Henry, Il Sole 24 Ore, 23 November 2010

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39. Slovenia

Slovenia is one of our neighbors: Trieste just across from here, for example Kobarid (Kobarid) Portoroz (Portoroz) and Koper (Koper). It is a newly independent country was born from the dissolution of the Republic of Yugoslavia: June 25, 1991, after a war that lasted ten days, proclaimed its separation from Belgrade. In 2004, joined NATO and the European Union since 2007 and is also one of the countries of the Euro, by adopting the common currency to replace the tolar. And now with the coins travel, going to observe the flora and fauna of Slovenia. This, on the 2 € commemorative of 2010, is the Hladnikia ( Hladnikia pastinacifolia ), an endemic plant similar to the stingray, named after the botanist Franc Hladnik:

On

dollars went off course everything was a zoo, a farm or better: THE TROUT

SWALLOW

THE IBEX

The HORSE

LA STORK

THE BULL

Back to the euro: the penny is still the stork, the 20-cent two Lipizzaner horses:

And now some landscape: Mount Triglav , Maribor, Ptuj, Koper and Lake Bled

Photography: Coins and Ucoinnet © Wikipedia / Wikipedia Panoramas ©

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38. Naples

This time travelers property you'll be reading this post because I travel I really did: I went down on Tuesday in Naples to Milan to take part in the Frecciarossa presentation of "One, doje, three and four," wrote the book with Vincenzo Moretti, Viviana Graniero and Carmela Talamo, which at this point commented: "Accatatevillo! ..." or, buy it ...

So here we are, in Naples. Let's take a metro ticket and avviamoci. Oh, by the way, did you see the wonder? There is the view of the city printed on the ticket, with Vesuvius in the background there.

The visit was short, too short, but very intense. Anyway, check out: the sea, Posillipo, Castel dell 'Ovo, Plebiscite Square, Royal Palace, Galleria Umberto I, Vesuvius.

There came a wish to leave?

PS: If you are already in and around Naples, patience! Console yourself with the fact of living in a wonderful city ...

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The luxury does not feel the crisis

continued rise in the curve of luxury residential. Confirmation of the observatory is Tirelli & Partners the exclusive residences in Milan and Rome in the first half of 2010. At the same strong demand for acq record, the same fees, Uist shows low offer on the rental market, due mainly to Milan, to the limited size of the fine and his monocentralità. According to Marco Tirelli Tirelli & Partners senior partner "the volumes of sale is stable despite showing the average number of calls per ad is doubled and even tripled the number of appointments." Average prices over 10 thousand euro per sqm, Milan confirms top price to 22,500 € per sq. m. (an average of 17 000 euro per square meter, more than 13,545 in the previous period) but with time selling duplicates compared to Rome, which estimates an average of 5 months by having more flexibility to practice an average discount of 12% to 5% difference Milanese, which is still increased by one percentage point higher than last semester but it is less than 8, 9% of the city market. Even on times locazioni5 months in Rome against 7 in Milan. The fall of the fees and prices have therefore held to a further reduction in average profitability of the homes value (2.7% to 2.6% for Rome and Milan). In detail, at Milan, plus sales tax is given by the price recovery that show a minimum average of vartiazione + 1.2% -1% compared to the previous six months. The overall average price increases € 2.186 million from the second half of 2009 to 2.335 million euro for the first part of 2010. An increase of 6.8%, well above the average price per square meter, which corresponds to an increase in the size and quality of supply. "This is a strong growth both in value compared to the previous six months, both with respect to the increase in average prices (0.9%). A photographer since the availability of some seller to market homes as long as the market is very prestigious willing to recognize at a higher price than the average values \u200b\u200bof the area. These expectations created by the amnesty of 2009. Consistent with this overall average price of more expensive homes of each area grows € 6.4 million to the current 8.8 "Tirelli said.

- Cristina Ciusa, ItaliaOggi, November 3, 2010

Lightweight Ball And Socket

Acquisitions, null and void if the plan does not match the text

Clarity and transparency of documents and property, computerization of data, consistency between plans and was in fact emergence of ghost buildings, usability data over the Internet. These are the salient features of the impact of the Budget Law (Law 30 July 2010, n. 122) in real estate. topic discussed at the workshop organized by Urban Promo 2010. The budget with a number of new provisions regarding real estate has in fact turned the spotlight on the Agency of the territory and procedures of the transcript. Among the changes introduced there is the realization of the Registry shall make integrated real estate system data with those of the Land Conservatory so that research in the archives of both institutions, they are made to property or person, they give the same results. A requirement of reliability, traceability and transparency of the instruments will be crowned in a few years by using a data transmission to the Conservatory of even the deeds, and not only the transcription of the notes. As early as next year in four cities will be tested in a data transmission of notarial deeds without the need to send paper documents to the Conservatory. Significantly, in the transmission Computer mortgages there will be time and date certified to ascertain the exact time of enrollment. 'For I noticed the transmission of documents by electronic means will surely be a welcome innovation. As regards the alignment of the databases would be important for each building there are also transcripts of any of the constraints of cultural heritage, "said the notary Giulia Clarizio. Some cause for concern in the category of notaries rather the introduction of the penalty of the nullity of the act in the absence of correspondence between the text and layout of the sale of the property and real state of affairs. The aim is to prevent the notary to receive, and then to legitimize an act does not correspond to the state of fact. A heavy penalty and the final decision of which we still do not understand the extreme mismatch between place and was actually able to determine the void. Important is also available on the emergence of ghost buildings, which with a moratorium of several months may be reported to obtain a temporary registration. Clearly, the leaders underlined the Agency's land, the temporary registration is only valid for the detection of an annuity for tax purposes alleged, but it gives some right to market the property. To contribute to the clarity and traceability of the use of the properties also include the provision providing for compulsory integration of cadastral data in any action relating to rental housing. In this important innovation is the goal of maximum availability of documents contained in public databases to facilitate the work of the sectors concerned and the quest of the individual in relation to its assets, to view the plans on the internet and other data relating to real estate.

- Sebastian Giorgi, Italy today, November 3, 2010

Temporal Artery Arthritis

37. By train to Milan

A short ride on the train today, one that I often do to Milan. Let's take this ticket to distance bands and "obliterated" the machine:

then wait for the train arrives. In the station of the province, if it's the summer we could find a situation like this:

or, in one morning frosty winter landscape a bit more spectral

few minutes later, announced by the bells and the descent of the bars near the level crossing, here is the train consists of carriages on two floors:

We get comfortable and let

:

The cab is very clean and the windows are opaque, but something you can guess:

There, the Grigna and Resegone, which is known only the silhouette. Anyways, 'better to open a book and start reading.

Best Surround Receiver

sprout out of the land crafty

Investigate the credentials of Rome. The Agency of the territory, in alarm, initiate audits in all provinces

bootleg Plans to lower the rents of properties The mechanism for the

, it seems, would not even be so complicated. To interpret, for the moment, some employees of the Agency of the territory of Rome, which would have affected hundreds of databases included in the plans of the cadastre. A situation that has led the Rome prosecutors to conduct an investigation, which culminated with two requests for the time of trial, and local agencies to undertake checks on the carpet almost all Italian provinces.

magistrates, moreover, have not escaped the consequences that this sort of counterfeiting can result: from a fiscal point of view, because the alteration produced in the inclusion of land revenue due to lower real estate, from a matter of civil law, for any defects that may arise against the acts of incorporation or transfer of real rights.

It all started with abnormalities that occurred at the provincial office of the territory of Rome, reported since November of 2009. At first, the Capitoline attorney has evaluated the positions of a dozen employees. In the viewfinder, as leaked, would end the alteration of approximately 180 plans, although the number could be increased in the meantime. At the end of this first line of inquiry, as confirmed to the Agency ItaliaOggi the area, came the request for trial for two employees (one already licensed). The verification of the magistrates of the capital, In any case, are continuing, and by the Agency are aware that there may be other requests at the end of trial. Employees in the grip of finite pm, in practice, as suggested investigation would be carried out illegal cancellation of plans by re-inserting the images in the database planimetric altered. All this, of course, with the fiscal and civil. Among other things, as far as Rome, the Agency was obliged to initiate urgent remediation and restoration of the database and verify the planimetric data consistency of building units involved in the affair.

Meanwhile, the structure led by Gabriella Alemanno, sister of the mayor of Rome, Gianni Alemanno, is considering carefully the alarm bell. And so he decided to enter into IT controls belt on almost all Italian provinces. The operation, conducted by the Director of Audit Central Territory, Roberto Egidi, of course aims to examine the dimensions of the phenomenon, which at the moment we hope will be restricted to a few bad apples. This first screening, however, has already produced some results. Even by the fact that they know are in progress a bit 'more detailed about a dozen provinces.

In practice, after the preliminary control computer, which is still ongoing, has already decided to submit a more complete X-ray the situation in about 10 provinces. A number still partial, because the technicians of the Territory expect to end this control of 'second tier' could also involve a dozen provinces. For heaven's sake, when it comes to estimates, but it is clear that there is some fibrillation. As concern continues to raise the situation of the Rome office, where the additional investigation could lead, according to the concerns raised by the Agency ItaliaOggi, other requests for indictments. By the staff of Alemanno, however, not leaked anything about the identity of the other offices of the territory on which they are concentrating more effective controls. As shown, however, other fonti della stessa amministrazione, tra le province in cui si sono riscontrate anomalie ci sarebbero Napoli, Lucca, Massa e Latina. Diciamo che queste, a sentire le medesima fonti, sono le zone all'attenzione già da un po' di tempo. Ma è chiaro che le verifiche della direzione centrale audit sono puntate anche sugli uffici del catasto più grandi.

Sullo sfondo della vicenda, a ogni buon conto, si staglia l'operazione di digitalizzazione del catasto, attività fondamentale per l'ammodernamento dell'amministrazione. Questo processo, già ampiamente in corso, naturalmente dovrebbe portare anche a scannerizzare l'enorme mole di planimetrie ereditate su carta dal passato.

- Stefano Sansonetti, Italia Today, November 10, 2010

How Much Meclizine Can A Dog Take?

House. Hunting at the right price for the brick

The newspaper is the media which most frequently those seeking home law housing prices (excluding those who are looking at the idea of \u200b\u200breal estate portals sites). In some cases the reader is puzzled because the values \u200b\u200bare distant from the actual.

In Italy, unfortunately, there are no notaries certify that the prices of deeds, as in France. The data of real estate agencies - so we ensure the directors of research offices - refer to figure on compromises. But the differences between the various networks remain.

last March 1 on the Sun 24 hours on Monday and released a service - that we represent - by Cristiano Dell'Oste that, starting from the ABI code of real estate appraisal as an expert author tells of CRIF (Central financial risks) has established the value of an apartment in Milan near Corso XXII Marzo , turns out differently from four other sources listed in the service. All this may be a useful reading for those who are looking for home.

experience, vision, market knowledge: the qualities of a good expert is not too different from those of an art critic. But the value of buildings, with the latest regulatory developments, is expected to finally leave the expertise of the author's paintings. E valuations based on the allocation a value per square meter is expected to disappear.

The Code of the ABI real estate appraisal - now under consultation with the Bank of Italy and the Agency of the Territory - gives further accelerated the application of international valuation standards, drawing on the principles already contained in the Code of Tecnoborsa of real estate appraisal.

Use the standard is to make the evaluation process "transparent", so as to enable anyone to verify its correctness. "It means, simplifying, replace the judgments based only on subjective judgments with quantitative procedures based on survey of the real data," said Giampiero Bambury, vice president of Tecnoborsa.
Italy in this field, there is no year zero, because the first edition of the Code of Tecnoborsa and the last was in 2000 - dated December 2005 - has exceeded the threshold of 20 thousand copies. The ABI, however, indicates the growing awareness of banking in the valuation of properties which cover the credit exposure, including in relation to supervisory instructions dictated by the Bank of Italy at the end of 2006.

The accession of individual institutions to the new text - now still provisional - will be voluntary. In the meantime, however, may be useful to see how today's international standards are changing perizie. Ad esempio, con il metodo del confronto di mercato – il più usato per il residenziale – gli standard impongono di individuare il prezzo di vendita di uno o più immobili simili a quello da valutare e di ragionare per differenza. Così, se bisogna valutare un alloggio collocato al quinto piano e si conosce il prezzo al quale sei mesi prima è stato venduto l'alloggio al piano sottostante, il procedimento sarà questo: il perito dovrà correggere il prezzo di vendita del "comparabile" (così è denominato l'immobile simile) tenendo conto dell'evoluzione del mercato negli ultimi sei mesi e della differenza di valore legata al piano.

Consideriamo l'esempio di una perizia realmente effettuata da un professionista di Crif a dicembre dell'anno scorso su un alloggio situato a Milano, in via Negroli. Analizzando le caratteristiche dell'edificio da valutare e di due comparabili, il perito è arrivato a un valore di mercato di 313mila euro, contro i 271mila dell'Osservatorio del Mercato Immobiliare (Agenzia del Territorio), 331mila di Tecnocasa, 351mila di Gabetti e i 361mila della Borsa Immobiliare di Milano. «Intendiamoci, un bravo professionista avrebbe potuto raggiungere lo stesso risultato anche con una stima empirica – spiega Antonio Benvenuti, membro del Consiglio nazionale dei geometri –. La differenza è che l'applicazione degli standard riduce i margini di discrezionalità legati all'utilizzo dei prezzi al metro quadrato». Seeing is believing: the same area of \u200b\u200bMilan is located in the apartment subject of expertise, four authoritative sources - Gabetti, Tecnocasa, Omi and Exchange real estate - detect four different average prices: from 2,700 to 3,600 euro per square meter. Moreover, even within the same source, the price varies depending on the state of the accommodation or its period of construction.

Everything you play, then, given the choice of starting point and its adaptation to the specific case. By international standards, however, the degree of choice of the professional moves on identifying comparable and characteristics under which the comparison. For example, if the expertise of the accommodation Negroli street in Milan have been examined only quantitative characteristics, like the surface, the plan or the state of maintenance.

"In the U.S., where this method is used since the 30s, it also takes account of qualitative characteristics such as exposure of the accommodation or its brightness," says Welch. In Italy, however, we are not yet at this point, as explained by Stephen Magnolfi Real estate services director of CRIF, the company that produces over 80 thousand examinations per year: "Today we do not give a precise economic value to aspects such as brightness, which the expert seeks to take into account choosing comparable properties that are similar to the one to evaluate the caratteristiche qualitative. Ci riusciremo in futuro grazie ai dati raccolti dai periti, verificando su base statistica come questi elementi incidono sul prezzo di vendita».

- Enrico Bronzo e Cristiano Dell'Oste, Il Sole 24 Ore, 1 novembre 2010

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36. North Korea

North Korea is one of the least accessible of the planet: the dictatorship of the proletariat, Marxist-Leninist has made it a bunker isolated from the world. But travelers do not fear any obstacle to real estate and travel without passport. Let's look beyond that curtain, in our own way, starting with these panoramas of vast lakes and rivers where the mountains are reflected.

then appreciate the poverty of money, typical of the socialist states, which are a blow to life only on specimens from the highest value:

And finally, let's take a ride on the photographs:

THE PYONGYANG METRO

LAKE SAMILPO

MONTE Baekdu

RIVER TAEDONG in Pyongyang

ANCIENT IMAGE OF BUDDHA ON Mount Kumgang

THE Juche Tower in Pyongyang

©

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