Adultb-logspot-klips.

The crisis comes in Parliament

Allarme della Commissione ambiente della Camera. Dopo 3 anni di flessione in "giacenza" 120 mila alloggi. Difficoltà anche sulle locazioni: "in nero" 500 mila affitti


Dopo tre anni di compravendite in calo, per il settore immobiliare si è creata una situazione critica: ad oggi sul mercato ci sono circa 120.000 appartamenti invenduti. A lanciare l’allarme è stata oggi la Commissione Ambiente della Camera nel documento conclusivo dell’Indagine conoscitiva sul mercato immobiliare. Ma la situazione non sembra lasciare presagire niente di buono e il peggio potrebbe ancora venire.

La Commissione parla infatti di «elementi di preoccupazione per il permanere di una tendenza negativa nel settore delle costruzioni che, a differenza di altri settori industriali, non sembra avere ancora toccato il punto minimo della caduta ciclica». Governo, Parlamento, Comuni e Regioni, ha detto il ministro per le Infrastrutture e i Trasporti Altero Matteoli, devono continuare a lavorare per trovare una soluzione al problema abitativo. «Una soluzione che non accontenterà tutti ma risolverà, se pur parzialmente, i problemi legati the house. " "Three years of declining market - we read in the Commission's Environment - have produced the alarming figure of a stock of" stock "that has far exceeded the 100 000 housing and now stands at around 120 000 unsold apartments.

The data emerging from the housing market appear to be all negative: the decline in sales drops, the real estate loans, the deterioration of the quality of the loan, "worrying phenomenon of lack of access to housing," the aggravation of the phenomenon evictions. The Commission also stresses that "the old issue of late payments by the government 'has taken a "no longer acceptable feature of systematic." Then there is the deal with a "rigid structure of property markets, biased toward the properties (houses property in Italy represent 72% of households), which causes serious problems to respond to the different needs of housing demand in lease. " Concerning in particular locations, "the situation is particularly difficult, although the proportion of houses to rent in Italy (4.4 million, 18.8% of total households) is significantly lower than in other European countries (Germany 57.3% Netherlands 47.3%, France 40.7%) and, particularly, that the tender social housing in Italy is much lower than that of other European countries (4.5% of the total, the eleventh in Europe). " There is also a "share rental unacceptable 'in black, which now exceed 500 thousand houses." Members finally bring attention to the problem of the relationship between the banking system and housing market, stressing "the need for a clear reversal of a negative phase is characterized by a significant reduction of bank financing to businesses for investments and disbursements of loans to households for house purchase. "

- La Stampa, Economics, January 25, 2011

Meaning Of Great Price

44. Boario

boundless ocean for surfing the Net on my Packard Bell nutshell, I came across the site a collector of bottle labels mineral water. He says that his first was this:

And the memory is playing on his own - this label is in the early '80s - it reminded me of many things, when in the house we used glass bottles and were to hand over the boxes of water Boario with the truck, reminded me of my grandfather, who brought her into the cellar, and I helped him with pleasure. I know, now my eyes are wet, but I like this fierce nostalgia for a time that is gone and never coming back, and I like to remember those no longer with me ...

label, looks a bit 'emotional upheaval that was capable of causing. Be ', now we're going to make us a ride to Boario, hamlet of Darfo Boario in Valcamonica - Brescia province, famous for its spa, not far from the Tonale and dall'Adamello, a few miles from the park Camuni with the famous rock inscriptions and the Romanesque churches of Capodiponte.

SPAS

FAMED OF THE FALLEN - CHURCH OF ALPINE

PANORAMA

Photographs © Water Labels (1) 7/DR (2:04) / Visual Lombardia ( 3) / Luca Giarelli (6)

Kates Playground Jumping

brick A brick red minus The coupon

In 2010, the fall in property prices was four times lower than the -4.1% last year. But new houses are struggling to restart. And 27% of expected further declines in ratings in 2011. Leaving behind the acute phase of the storm, which began last quarter of 2008 and lasted until the second half of 2009, the numbers of brick began to slowly climb the slope. And this despite the continuation of an economic crisis that is still far from conclusion. Over the past 12 months the value of residential real estate continued to decline on average, to a lesser extent than the slide of 2009, when house prices had a marked contraction 4,1%. E così, secondo le rilevazioni di Nomisma, nel primo semestre del 2010 il valore delle abitazioni ha segnato una flessione dell'1%, che si è ridotta del 40% negli ultimi 6 mesi dell'anno archiviando il secondo semestre con un calo dello 0,6%. Frutto, questo, di una forte riduzione nel volume di transazioni, calate in 12 mesi di ben 26 punti percentuali.

Questa tendenza ha interessato anche i comparti del commerciale e degli uffici dove il numero di transazioni è diminuito addirittura del-34%. Nel primo caso, la variazione dei prezzi alla fine del 2010 è stata negativa per l'1,4%. È andata peggio ai proprietari di negozi che hanno dovuto mettere in conto una flessione del valore dell'1,9%. Stiamo parlando, However, average values \u200b\u200bbehind which there is great variability. In major Italian cities, the value of the property has managed to remain anchored around the playing field. In Milan, for example, in areas of high value, the price of homes has moved in a fork between -0.3 and 1.1% over 2009. Smaller range of variance values \u200b\u200bfor the central areas (-0.5% / 0.1%), while in semicentro prices fell on average by 0.9%. Very similar situation in Rome where the average property fell by 0.4% between 2009 and 2010. In Turin, home prices fell 0.1% as at Catania, while in Genoa fell by 2.7% and Florence of even 4.3%. Values \u200b\u200bthat still does not prevent Italy from going out to head up an international comparison. During 2010, in fact, the average reduction in prices of 2.8% is below -3.4% in Spain, far removed from -17% in Ireland. It was better, however, Britain has closed the year with house prices rising by 3%, but was negative to offset the decline recorded between 2008 and 2009. Very similar situation to what happened in Germany, where 4.8% scored this year has allowed the market to recover the brick fall of 4.4% recorded a year earlier. While in France, the leap of 6% is not allowed to fill the -7.9% recorded in 2009 alone.

yards stalled. Things did not go better on the side of new houses. Also in 2010 the construction companies have had to deal with a slowdown in demand has resulted in a sharp market downturn. The confirmation was contained in the photograph taken in the field Anci, the National Association of home builders, according to which investment in construction declined by 6.4% in 2010 and for next year is expected to further decline of 2 , 4%. If we add the negative results of 2009 (-7.7%) and 2008 (-2.8%), we arrive at an overall decrease, from 2008 to 2011, 17.8%, amounting to about 29 billion euro. Suffering from most was the sector of new homes in four years should get to lose 34.2%. "In 2010 alone the reduction of investment in new homes has reached to 12.4%, experts warn Ance, according to which the negative effects were partly mitigated by the recovery in housing investment, in 2010 increased by 0.5 %, reducing the total loss of the fund in 2010 to 4.9%. "The upgrading of existing homes has played an important role, thanks to tax incentives (36% and 55%) provided for such interventions, which have impacted positively on the retention of activity levels," continued the expert, which believe that residential sector was the most flourishing, so as to mark an increase of 4.4%. in terms of new development.

funding. The growth in demand for homes has maintained a modest pace despite the favorable conditions in the credit market. According to data compiled by the CRIF, in the 9 months of 2010, the demand for mortgages has fallen by 3%. If in 2009 there were more than 242,000 mortgage loans on for the purchase of support (ie about 40% of the market for buying and selling residential), in 2010 the contracts should stop just above 254 thousand compared a growth in sales contracts and coverage of the market unchanged, at around 40%. But what kinds of loan are used more often the Italians? According to the findings of ABI related to last November, buying a house for the families seem to prefer the long-term funding, preferably at a fixed rate. So much so that the banks have seen the rise of this category of funding from 21% to 126.5% at the end of 2010.

forecast for 2011. If these are the circumstances, what does the year that is about to begin? The predictions are for an improvement in the market, although traders are divided between those who say that there will be an increase in trade (42.9%), and who favors instead for stability. On the price side, the sentiment of the forecasts reflected a degree of confidence an improvement of the situation, although it still remains in negative territory more than two thirds of the operators considered that in 2011 the values \u200b\u200bare kept constant, while the percentage of those in favor of a further decline in prices has increased from 37.8% of last half of the current 27.6%.

- Frontoni Gabriel, Milano Finanza, 31 December 2010

Church Letters Sample

43. Botswana

Today I felt like in Africa. Niente di più facile: basta andare a guardare nell’album delle monete. Ho scelto il Botswana, laggiù in basso appena sopra il Sudafrica, stretto tra la Namibia e lo Zimbabwe. Un paese indipendente dal 1966 che è in realtà un immenso altopiano a 1.000 metri sul livello del mare, per quasi tre quarti occupato dal deserto del Kalahari, bagnato dall’Okavango, che ha il più grande delta al mondo e dal Limpopo.

.

La moneta locale è il pula, diviso in 100 thebe, e ci offre un bel safari fotografico

 

Even on the banknotes:

And now, as our usual, we stroll a bit ':

From: Sunset / Okavango Delta /
Bushmen / The Kalahari / Kgalagadi Park

Photos: © Money Coins Of The World / Landscapes and Wikipedia © South Africa Tours and Travels

Birthday Phrase For Friend

dry splits into two

Coupon dried to 23% for the rents to market prices. Miniquoziente for families with dependent children. Registration fee of 10% for those stacks behind the ghost houses. Guarantees that the state to cover losses of revenue produced by the dry coupon. Are the main changes, together with the introduction a partnership income tax from 4 billion and the promise of a future measure meddle with the diatribe Tarsu / Tia, that the Minister for Simplification, Roberto Calderoli, is ready to introduce the implementing decree on municipal taxes. Real estate tax to shore up the scaffolding.

Even before birth tax on rents are likely to see their rates in duplicate. For contracts with negotiated rents the threshold at which personal income tax the income from rents would remain at 20% for those in fee free pass to 23 percent. A rise that, politically, meets the concerns of Pd and Fli and, technically, has to limit the possible revenue loss. That 3% increase would a finanziare le detrazioni per gli inquilini con figli a carico ipotizzate dal governo per accogliere sia le richieste di quoziente familiare dell'Udc sia l'appello a risolvere il «conflitto di interessi» tra proprietario e affittuario caro al futurista Mario Baldassarri. Ma anche i sindaci stanno per incassare il loro "dividendo" con la garanzia che sia l'erario a farsi carico delle perdite di gettito eventualmente createsi nel passaggio da un prelievo in base al reddito a uno di tipo sostitutivo. Magari attribuendo allo stato l'80% degli introiti da cedolare secca e ai comuni il restante 20 per cento. Per ragioni di progressività Calderoli ha proposto, inoltre, che il reddito da locazione tassato al 20 o 23% entri nel calcolo del reddito lordo Irpef da used for access to other tax relief.

- Eugenio Bruno and Xavier Fossati, Il Sole 24 ore, 12 January 2011

Viral Throat Infection Tongue

Four ways to get a new installment loan with a cheaper

New Year new mortgage? It is worth thinking about, if the agreed conditions do not convince us anymore, but we need to know what the alternatives are and how to move. Especially since lately the Council of State has intervened in the matter, stressing the lack of clarity on procedures outlined by the original legislation. However, if the rates are becoming unbearable to know that you can still suspend temporarily or access to the solidarity fund (see articles below). More clarity


In Case 9322/2010, the Council of State rejected the appeal of the Competition Authority in respect of certain banking institutions. The behavior of the banks deemed improper are substantiated by the Antitrust Authority in having proposed to customers without having to replace, however, highlighted the possibility of substitution that did not involve additional costs. According to the judges of the Palazzo Spada, however, was the original text of Law 40/2007 to present the rules so flawed, then no crime was charged to banks. In fact, only two successive adjustments to the law could be said concluded the process of the portability procedures. Today, the investor is dissatisfied with the mortgage signed before more linear rules and can more easily move between portability (subrogation), replacement and re-negotiation of the loan. But here is a summary of the alternatives and next steps (see also infographic made on the basis of the indications www.pattichiari.it).

"Migration"
The operation of portable or subrogation is the transfer of the loan from one bank to another (Article 8 DL 7 / 2007 into law 40/2007). These are the guidelines issued by ABI: first the customer must verify on the market offers the best conditions, identifying the bank with which the operation. Then take the new bank to the surrogate (without then having to go to the original bank). At this point, the successor bank, following an inter-bank electronic communication institute the original date of the transaction and formalization requires to transmit the same amount of the outstanding debt of the customer up to date. Within 10 working days of receiving the request from the bank of origin, is the successor and the client must know the necessary information and determine the date of transfer of the loan.

The "successor" to the closing of the transaction proceeds through the signing of the loan agreement and request for record (Article 2843, Civil Code) in favor of the transfer of previously recorded mortgage. The operation of portability must be completed within 30 days from the date of the request: after this period, the customer is entitled to request the original bank compensation equal to 1% of the value of the loan to be transferred, for each month or part month overdue. With portability, the customer should not bear any cost of legal fees or penalties for early repayment, however, can change the type of rate or duration, but not the outstanding principal.


With Extinction and re-substitution, however, have the chance to extinguish the old firing one new loan with another bank, an amount higher than the previous and improved. So that the operation is advantageous necessary that the savings produced by reducing the interest rate is greater than the cost of replacement. In fact, this can lead to the application of penalties for early repayment of loans taken prior to February 2, 2007. In addition, there may be legal fees or for the registration of new mortgage on the property or for the investigation, appraisal and insurance costs of the new practice.

Terms magazines
The third option involves the change of the bank, but only an agreement between the bank and customer. The original contract remains valid, but change some conditions such as interest rate or duration. In short, a simple operation that allows the customer to adjust the reimbursement conditions in line with its economic and financial conditions. Then you can go to his bank agreed to change the type of loan, the interest rate or duration. Law 244/2007 allows the customer to renegotiate the mortgage without the burden of bank charges, simply by signing a deed also not authenticated (ie without the assistance of a notary). Since May 2008 there is an agreement (between ABI and the government) to allow clients to renegotiate their adjustable rate mortgage into a fixed rate mortgage (only for variable rate loans for first home signed before January 2007). So, you have the transformation of the mortgage loan in the original installment set parameters interest rates applied in 2006. The difference between the amount due with the initial loan and the renegotiated will be set aside in an account opened in the customer financing accessory, on which charge a flat rate of 10-year IRS rate plus a spread of 0.50 percent. On expiry of the original loan if the residue of the account is negative accessory extends the term of the loan with a fixed rate until the extinction, but if rates were to fall to zero until the bill is ancillary, the original loan will expire on the natural expiration. The market


BRICK AMATO
While the economic and financial market does not help the families in the growth of net wealth, on the other the brick remains the preferred investment: a recent study by the Bank of Italy estimates that in the first half of 2010, household wealth would have declined by 0.3% in nominal terms, following the reduction of financial assets and liabilities increased , in particular for the ignition of mortgages for buying a first home. This trend is confirmed by ABI points out that in the December report that the bank loans in the first ten months of the year grew by 8, 2%, with a focus in the mortgage market for the purchase of property.

INTERVENTIONS
The extent of the temporary suspension of the loan, according to ABI has affected up to September 2010, almost 31mila customers for an outstanding debt of 4 billion €. Also according to surveys Abi substitutions and replacements represents approximately 32% of the dispenser

- Stefano Rossi, Il Sole 24 Ore, January 3, 2011

Kates-playground Wiki

42. Estonia

Diciamolo subito, la faccia nazionale dell’euro estone è francamente imbarazzante: tutte le otto monete adottate a partire dal 1° gennaio 2011 recano la carta geografica del paese.

Strano, per una nazione giovane e moderna, ricca di storia e di idee (Skype, per dirne una, è stato inventato in Estonia). Questa monotonia era però presente già sulla corona, la valuta adottata dopo il distacco dall’odiata Unione Sovietica, e sul marco, la moneta in vigore durante il breve periodo di indipendenza tra il 1918 e il 1940, data dell’invasione sovietica: tutte recavano, salvo i rari casi di emissioni commemorative i tre leoni presenti in the arms of Estonia.

The country, however, is wonderful: Let us have a ride:

CASTLE Saaremaa Kuressaare to

TALLINN

SAAREMAAL

NARVA

CHURCH JOEELAETHME

Photos © Wikipedia