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AFFILIATES PRESENT ONE MORE YEAR HOUSING SUPPLY THE BEST OUTLET IN CANTABRIA housing deduction

The Exhibition Centre will host Santander from 29 to 31 October in Hall II Housing Outlet, an event organized by the Builders Association Promoters and Cantabria in which 4,600 homes will be offered, some of them from 80,000 euros.

builders President, Fidel González Cuevas, presented the meeting at a press conference with General Secretary Association, Max Sainz, and with Augustine Hernáez, Caja Cantabria.
In this second edition of the Outlet will bring together 65 companies in the sector had 70 deals. In total, about 4,600 will be offered housing, of which about 800 are located in Santander and its surroundings and 700 in the area of \u200b\u200bTorrelavega. Buyers can find
prices from 80,000 euros, but will have to come to the show to know the exact location of these buildings and their characteristics, some details Cuevas Gonzalez has refused to reveal.
What has advanced is that they know that one of the developers registered for the event will go on selling about 50 or 60 homes at this price, "near from Santander."
All homes will be offered at the fair are finished and delivered turnkey.
This second Cantabria Housing Outlet will be opened on Friday 29 October by the regional president, Miguel Angel Revilla, and several executive directors Cantabria. Hours are from 10.30 to 20.00 hours. Financial facilities

President of the Builders Association has highlighted the opportunity this appointment at this time and pointed to the buyers the opportunity to benefit from the agreement reached between the Government of Cantabria, employers and various financial institutions facilitate access to credit to buy houses in stock.
For example, Gonzalez Cuevas explained that for a house of 80,000 euros, customers benefiting from this agreement would have to pay a monthly fee of 170 euros the first three years, in which only interest is paid.
fourth through eighth year the fee would rise to around 207 euros and from ninth to around 381 euros.
However, the latter two contributions should add a small amount to repay the loan granted by the regional government to ensure buyers lower monthly payments early, a credit which can be 10,000 or 15,000 euros depending on the personal circumstances of the buyer.
González Cuevas noted that at present are in the process between 120 and 150 operations under this agreement and expected before year end the figure was around 500.
But this has advocated more widespread agreement because, in his view, there has been "some difficulties of interpretation." He reminded that the deadline to qualify for these facilities end December 31, 2011, which believes there is time to continue releasing stoc.
He estimated the housing stock in Cantabria is around 4,000 units, and of those, about 80 percent (about 3,500) could benefit from the agreement, which sets a price maximum of 245,000 euros.
Municipalities concentrate more housing stock are Argoños Shipyard, Camargo, Branches of the Victoria and Piélagos, among others.
The first financial institution to join the agreement to provide credit was Caja Cantabria, which continued after Banco Santander and BBVA. And as the president of the Builders, "it seems that is also close to joining bank Caja Burgos and some more."
González Cuevas has praised Caja Cantabria to open that path and the representative of the entity, Hernáez Augustine, emphasized the "effort" made by the Fund to join the convention and help free the housing stock.
No obstante, y al igual que el presidente de los Constructores, Hernáez ha lamentado que el acuerdo "no ha calado, no ha llegado bastante al público", aunque no tiene claro si se debe a no se le ha dado suficiente publicidad o a que no se ha explicado "adecuadamente".
Fuente:  20 minutos.es

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2011: buy now or wait? AEGI

Hasta ahora, el hecho de tener una hipoteca comportaba importantes beneficios fiscales para todos los perfiles económicos. Las hipotecas más caras tenían mayor deducción hasta llegar a una cuota anual aproximada de 9.000 euros (unos 750 euros al mes), punto en que la Ley actual establecía un tope de desgravación

But from January 1, 2011, the Sustainable Economy Act pre approved this week by the Government introduce some changes that can significantly reduce the amount liberalized in for homeownership over the previous law

The Major changes will directly affect our pocket, very summarized, are:

1) From EUR 24,107.20 taxable wage base , anyone who buys a house from 2011 liberalize 0 euros

2) From EUR 17,707.20 taxable wage base, a person who buys a new home from 2011 to liberalize less than under the previous law

3) In what follows, between 17707.20 and 24107.20 euros, the tax credit for home purchase from 2011 decreases as income increases

4) those with a taxable income of less than 17,707.20 euros notice no changes and continue with the same relief

the following chart shows how total tax revenue would now homebuyers (blue line ) and what would happen if he does have acquired their home from 2011 (red line) for an average mortgage to 25 years with 3% interest and 80% funding. Is observed as to 17707.20 euros as usual, but from that salary is a drop in revenue to be gained by relief of residence. the greatest difference is observed for taxable base of 36,000 euros, before tax deductible could reach 33,807 euros over the life of the mortgage and from 2011 will be zero

New tax deduction: how much money we talking about?

Following the example of the old mortgage, these are the figures (in euros) calculated to bases 12,000 to 100,000 euros per year and the largest mortgages in theory achieved:

* Calculated by estimating the annual net income based on the tax base, taking the maximum mortgage that the owner may obtain and evaluate the associated relief

New relief
calculated from the formula established by the Government: Base deduction = 9,040 to 1.4125 (BI - 17,707.20), for values \u200b\u200bbetween 17,000 and 24,000 euros

" Buy now or wait until prices drop?

To get an idea Very roughly how much would have to lower the price of the flats for us to consider not buying out now and not take advantage of the relief force, only need look at the first column of the table which is our annual taxable income For

example, if our tax base is $ 22,000 a year and hope to buy flat until 2011, relief at the end of the loan (25 years) 11 162 euros, 9,282 euros less than if we had bought in 2010. Would expect us to consider whether the price of housing will become cheaper by 7.8% (last column), ie 9,282 euros (penultimate).

"Report in calculations that do not take into account inflation or the price of money . not take into account the various measures that you can then take each separately autonomous government as "

No one knows exactly what will be the evolution of housing prices in the coming months, but this figure we can know give an idea of \u200b\u200bwhether or not it is important to buy before the end of the year in our particular case

What happens when the mortgage has 2 owners?

When the buyer of the floor is a couple and both work, the base maximum on which the deduction is made passes be 9,040 euros to 18,080 euros be . Obviously, the new law affect couples differently depending on whether your income is high, low, medium or a combination of 2 different cases

But, to simplify, to know we stand together, it is only necessary to perform the operation for the 2 previous cases and staging score differences (penultimate column). If, for example , we have a couple in which one member has a taxable income of € 20,000 annually and another 30,000 euros (remember, always talking about tax base), would add $ 0 + 27 572 euros and the result 27,572 euros, would be I would have to reduce the price of housing to compensate for the failure to take advantage of current tax relief for home purchase

conclusions

- Those who have a taxable income of between 24,000 and 36,000 euros are the group most should consider buying a house before the end of 2010 , and it would take prices to fall more than 17% to achieve the savings that would have meant the tax deduction

- People with annual taxable income exceeding 24,107, 20 euros to buy his house from 2011 will lose an allowance of 33,807 euros over the next few years (with an average mortgage for 25 years with a 3% interest and 80% of funding). depending on the cost of housing, those 33,807 euros will be much or little

percentage

- While the maximum deduction base are 9,040 euros, with the new law no single person will perceive that maximum relief . The reason is simple: an annual mortgage expense is equivalent to 9,040 euros a monthly fee of 755 euros. People who can afford such fees are a tax base of approximately 36,000 euros per year, and with the revenue and are far from being tax deductible, since the new law only allows it up to 24,107.20 euros.

Source: Bulletin idealistic

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Cantabria has a code of best practices in real estate brokerage.

Cantabria is the first autonomous community which today has a 'code of good practice in real estate brokerage', such and as has been released today, the Minister of Economy and Finance, Angel Agudo, President of CEOE-CEPYME Cantabria, Miguel Mirones, the director of the Consumer Agency of Cantabria, Vicente Gozalo, and the president of the Business Management Association Real Estate (AEGI), Carmen Rodriguez.

is a guide that voluntarily apply businesses and professionals, and regulating the information to be supplied by both vendors and landlords and tenants and buyers. It also includes all documents and contracts, visas and approved by the Consumer Agency of Cantabria, formalized during the sale and rental housing both new and second hand.

for "important information and transparency effort that requires all operators in the process, as highlighted by Sharp, this code is, in the words of Voyeurism," a plus for companies that adopt it. " "Strike a major handicap the housing market, which is the lack of transparency, "said the Minister of Economy.

addition, Sharp and Mirones have drawn attention to improving the competitiveness of the companies in Cantabria sector, being the first to have this code of practice, "is especially important in the current economic crisis in the real estate industry must rethink its future."

addition, Voyeurism highlighted three points to his trial significant: The decision to self-regulate, the incorporation of a new sector to quality systems, and Code as the best tool to combat unfair competition.

Carmen Rodriguez has agreed about the professionalism and the promotion of industry self-regulation as "the only tools for prestige property market, for the buyer to feel protected and advised."

The seal of quality to which companies will adhere to this code will tell the buyer that "have the technical requirements and financial solvency to complete the operation", he assured the president of AEGI. "It will be icon of quality and guarantee for the customer."
addition, companies that commit themselves to these good practices adhere to the consumer arbitration system as a mechanism for conflict resolution.

More protection in the sector

For its part, the director of the Consumer Agency of Cantabria has reviewed the steps that have occurred in the autonomous region from 2006 to now become "an extremely safe market" .

Thus, Gozalo has referred to the Consumer Act of 2006 that marked "a before and after" in protecting the rights of new homebuyers, and subsequent policy development. In particular, highlighted the intensification of the arbitration and inspection in real estate. For Vincent Gozalo
this code assumes a very important "to clearly identify the rules."

Source: Business Cantabria 5/10/2.010