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buy property in Bercy prepares the mortgage rechargeable

Candidates for the mortgage or consumer knows: better to have a steady job, regular financial inflows since we spoke to his banker to request a loan. Bercy is determined to break this system. The reform, initiated by Nicolas Sarkozy in 2004, partly inspired by the Anglo-Saxon, is scheduled to arrive "late March" to Cabinet says it at Bercy, in the form of an order. In the future, purchasers of real estate will be offered by their bankers a "mortgage rechargeable." What is it? On a system that will not only put his property mortgage to get a mortgage, but also to increase its borrowing capacity as the loan is repaid. This borrowing will be used to purchase a new property, or any goods for consumption. So far, household debt was expected to have repaid all of his credit before using his property as a pledge to initiate a new loan. "This system will allow people who do not receive regular income to debt," say Bercy.

But no question of adopting the same system that dominates the credit in the U.S. or the UK. There, households can go into debt even more than the appraised value of their property. A significant leverage when prices go up, but formidable when they decline.

addition rechargeable mortgage, the government will also propose the "reverse mortgage". A system that will allow an owner of a property to make money without having to sell it. The bank will repay after his death and pay the balance to heirs, if rest ...

source: liberation.fr

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property: the average selling price exceeds € 8,000 / m2 in paris neighborhoods

Despite some stabilization recorded over the past two months, last October the average selling price of apartments exceeded 8,000 euros per square meter in four districts of Paris.

"The property prices have stopped thrashing," says the barometer of housing prices in October 2005 directed by SeLoger. The survey, which contrasts with the traditional study so slow notaries, as almost "real time" changes in property prices during the sale or rental of property. However, it reflects still very high prices seen last two months.

In Paris, four districts in the average price of apartments in the former exceeded 8,000 euros / m2: it reached EUR 9,268 / m2 in the 6th arrondissement, 8982 euros / m2 in the 7th arrondissement, euro 8119 / m2 in the 4th arrondissement euros/m2 and 8038 in the 5th arrondissement. These prices recorded in October 2005 are roughly similar to those that were recorded in September 2005. Overall, all districts combined, the barometer SeLoger finds that stabilization, but no drop in Paris. Side rentals, rentals Paris m2 are staged monthly euros/m2 of 19.02 (19th arrondissement) at 28.78 euros/m2 (6th arrondissement). The average price for all districts combined new rentals in Paris in October 2005 is 23.90 euros.

In departments in the Paris suburbs, the sale price and rent stabilized. But the sales price levels are quite high: an average price in the Hauts-de-Seine from 4846 and 2701 euros/m2 euros/m2 in the Seine-et-Marne.
The study states, also, prices in Lyon (up for sale, for rent stable), Marseille (pause sales prices and rent levels), Bordeaux, Toulouse and Montpellier, these last three cities have returned with wisdom, prices and rents are marking time

source lesechos.fr

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Building: rates move

Not only the rates have stopped declining, but they tend to increase. According to Anil

, it is now possible to borrow on the basis of a fixed nominal rate slightly less than 4%.

Candidates for mortgage watch continuously the evolution of the yield curve. Although its rebound announced months ago has not yet occurred, halting the decline observed now could announce a turnaround.
" For a loan of fifteen year fixed rate, many institutions continue to offer rates expressed as nominal rates below 4%, "says the latest quarterly indicator of ANIL (National Agency for Housing Information) . CL eg lowest fixed rate appears to 3% against 2.85% three months earlier. As for the top of the range, she turns around 4.05%. Crédit Immobilier de France, it climbs up to 5.40%. The few variations primarily reflect higher reported rates of rearrangements. Side variable rates, the status quo prevails, with a range of rates between 2.50% and 4.60%.
Whether fixed or variable rates, the borrower must make its comparisons on the APR (annual percentage rate), which takes into account the cost of insurance and securities.
Source: Information Copyright © lesechos.fr

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The interest rate on home loans have stopped declining

According to Anil, it is now possible to borrow on the basis of a fixed nominal rate slightly less than 4%.

Candidates for mortgage watch continuously the evolution of the yield curve. Although its rebound announced months ago has not yet occurred, halting the decline currently observed could signal a trend reversal.
"For a loan over fifteen years at fixed rates, many institutions continue to offer rates expressed as nominal rates below 4%," says the latest quarterly indicator of ANIL (National Agency for Information housing). CL eg lowest fixed rate appears to 3% against 2.85% three months earlier. As for the top of the range, she turns around 4.05%. Crédit Immobilier de France, it climbs up to 5.40%. The few variations primarily reflect higher reported rates of rearrangements. Side variable rates, the status quo prevails, with a range of rates between 2.50% and 4.60%.
Whether fixed or variable rates, the borrower must make its comparisons on the APR (annual percentage rate), which takes into account the cost of insurance and securities.


source: lesechos.fr

Does No Xplode Expire

Riots will not lower the real estate, according to professionals

Urban violence should not bring down property prices in France, including the departments most affected by the riots, because, according to industry professionals , the structural shortage of housing.
"Apart from these economic events, it is structurally strong demand for housing remains. This could slow down the prices very occasionally but I do not believe at all in a market downturn, "suggests Anne Chenu, communications director of the National Federation of Real Estate (FNAIM).
"There is a basic need of housing, she says. The residents do not flee the suburbs and people will not give up to move there. "She said the presence of difficult neighborhoods has never prevented anyone from moving to the cities of sensitive cities.
Frederic Dumont, who leads a major study notarial Montreuil en Seine-Saint-Denis, shares the same sentiment. "It will undoubtedly have an impact on the evolution of property prices in France but it will be weak or nonexistent, because these problems mentioned do not appear with the riots, "he said.
Stressing that some buyers did not hide their reluctance to live in certain neighborhoods, he believes that they will be more vigilant, but only with respect to very specific areas, "islands where in any case, there was a lot of housing Social and thus few assets to acquire. "
In his study, the 30 employees who handle more than 3,000 procedures per year, have not found these days of knee-jerk reactions, concerns even breakage of their clients. "I even believe that the riots could have a beneficial effect," suggests Mr. Dumont optimistic, given the announcements of rehabilitation and is now expected acceleration of housing programs. Result: professionals still do not believe a collapse in prices, but simply a deceleration in 2006, rising prices throughout France.
In October, former real estate prices continued to rise by 11.4% compared to October 2004, according to statistics FNAIM. But the rate is now lower than that observed in 2002. In 2004, prices real estate had increased by 15.5% and FNAIM table for 2005 with a rise of about 10%, consistent with the soft landing scenario that provides for months. The real estate network
Era, which includes more than 350 branches in France, also put on further price rises accordingly, says a spokeswoman, that France is the European country which has the lowest rates of individual owners (57%). "People are always more numerous in wanting to own," she says.
professionals still expect the next statistics to refine their initial impressions. "In three months we will visibility of the market. Today, it remains premature because we are still in the heart of the phenomenon, "says Ms. Chenu.
Urban violence that began Oct. 27 spread to 300 communes and about 8,800 vehicles were torched. Delphine Touitou

- AFP

16/11/2005

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Who benefits from the property boom

apartment prices which rose by 12.5% on average in one year, taking home 69% of their value in 5 years, market does not seem to calm down ... For now the boom is here and there are no losers in this giant monopoly. And maybe even
the crash as some predict will not happen and that ultimately there will be only winners.
While talking about just winning, and review those to whom the boom has benefited and still benefits without asking us how long sterile yet.

• Realtors
• Banks
• Notaries
• The state and local Internet sites

Realtors
They were 15,000 ten years ago, they are today ' Today 25,000. This means if the profession attracts vocations. Their pay in France varies between 4 and 6% (2% in England only ...). For now, estate agents, attracting only 45% of transactions, a figure that could rise if they decide to lower their price ... But no matter, Riding the wave of the boom, they pocketed an average of 6,000 € per transaction, which is a turnover of 200,000 € for 35 transactions (National average is calculated by the FNAIM). It is relatively well paid for if we are to believe the newspaper Le Monde (Thursday, October 6, 2005) "often the service is not up to par". ERA Network fared rather better than average (320,000 € in turnover by agency for 60 transactions per year)
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Banks
Yes, it is they who provide the fuel for the boom they motivate time access to mortgages. It is therefore fair that draws a fair profit! This year, 135 billion euros (2.5 times more than in 1998) were lent by banks for home loans, which is a record. Banks are also in real estate land for deployment, since according to "The Diary Agency "10% of agencies are already in the hands of banks.
trend that will likely be confirmed as we note that BNP Paribas is its real space, the Credit Foncier Keops bought in 2004, that the CDI, a subsidiary of Caisse des Dépôts has taken control of the House and the Cabinet Credit Mutuel has acquired the network Notices. Jean Lavaupot, the Director of the ERA states that the 43 boxes of the Credit Agricole were instructed "to target real estate agents over 50 years and purchase their stock in trade." It probably would lead to what he calls "a situation al'anglaise" where banks took control of the agencies and, incidentally, have lowered their pay to attract more customers. The UK agencies dealing in fact 90% of transactions (45% in France).

Notaries
This is not new: if for sale, there is a notary and therefore in any case, X% of the selling price of the property into their laps. In case of boom, as we now live, overheating watches the notary, this phenomenon so typically French. Since 1999 the notaries hired 7,300 new employees .. It is true that with a growth rate of 3.5% per year (since 1999), notaries need to arm further because it is not (yet) subject to relocate these jobs.

The state and local
boom benefits the state and therefore to some extent, to us. So thank you boom. Nothing in transfer duty (4.89% charged on a sale ... unless notaries and estate agents), the boom has reported € 5.7 billion in taxes (a good portion of the hole of the safety). The municipalities have allocated 1.72 billion, which constitutes the second fiscal resource departments. Added to this the capital gains tax paid by individuals who sell property held for less than 15 years and who is not their primary residence.

Websites
Of course, sites specializing in property benefiting from the boom. But probably more indirectly. But let's be fair, the net is a new way to find his home, evidence in support: 65% of transactions in Paris and 33% in the region are concluded following an online advertisement. But this is not tomorrow the day that the sites take a percentage of the sale of property. Too bad there ...

There are a variety of sites: those coupled with newspapers, those who have more shops and finally, the "pure players"-as-abonim.com, who consider that the Internet is a medium well enough, more efficient and less expensive.
We believe that the Internet can provide excellent service to both individuals and agencies in terms of advice, choice and diversity of offerings and the issue is not basically "what the market can do for us? But "what can we do to the market? .

source: abonim.com

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real estate and tax loopholes? A new real estate investment

Most tax benefits for real estate investors should get into the ceiling of 8,000 euros. But these are not only changes in the project.

The tax reform proposed in the draft budget law for 2006 and the law on "national commitment to housing" may reshape the landscape related to tax rental investment from January 2006. What will change things much for investors is whether its investment is affected by the cap at 8,000 euros per household increased by 750 per dependent child of the total "tax benefits" or if he keeps a place apart. In the current projects fall within the cap investments Robien classic, Malraux, tourism ZRR. The overseas and Historic monuments beyond. In any event, nothing is final yet, the parliamentary debate on the Finance Act 2006 may extend until the end of 2005. In particular the operators or ZRR Malraux law does not disarm and intend to lobby with politicians so that their operations are wholly or partly outside the ceiling.

The new device Borloo
As part of the law on "national commitment to housing" which should come into force in February 2006, Jean-Louis Borloo has made the revival of new home "intermediate" one of its priorities. With two goals: to contain rising rents and expand the supply of rental properties. To attract investors, an attractive tax system will be implemented. The amortization to be deducted from property income and other income even when property deficit would be 6% of the investment for seven years, 4% for two years and 2.5% for six years. In return for this advantage combined with a standard deduction of 40% on the amount of rent received, several constraints exist for the investor:
- the obligation to hire at least nine years of the home as their principal residence for the tenant ;
- to the limits of rent 30% lower than the new home market;
- Taking into account the resource ceilings for tenants, modeled on those intermediaries rental loans (PLI): a taxable monthly salary of 5,483 euros for a couple with two children living in Ile-de-France, Euro 3818 in cities more than 50,000 inhabitants and 3,340 euros for the rest of the territory.
Basically, it comes back to the amortization Besson who combined these two constraints and had to "correct" the excesses of Périssol. Combining advantages and disadvantages, Borloo "People" should be used, however, the minister said, "a performance superior to that of Robien, or 7.4% or 9% if the investment is made from a loan very social. " Even with the Robien who obeyed only a ceiling rents, it was difficult indeed to exceed 6%! And yet, the ceiling of market rents was defined according to different areas circumscribed and at levels significantly higher. Xavier Chausson, president of Open Financial, quips: "This prospective investment performance Borloo is quite magical, given the purchase price ceilings resource rents from tenants and said intermediate remain to be defined." Unless you buy in areas where prices become are still very reasonable. But if returns are at the rendezvous, the gain will not necessarily be applied in all sectors. Especially in small areas that this device will help. In terms of ceiling, the fate of the device Borloo is not yet determined, although the Minister of Social Cohesion, Employment and Housing sincerely hope that "this product is not included in the niches."

Robien The "refreshed"
Depreciation Robien proven, although some rent ceilings, especially in smaller towns, have contributed to rising house prices. And that's the segment of the market towns of less 50,000 inhabitants (Zone C) as the maximum allowable rent could go down to about 20%, from 9.59 euros per square meter to 7.50 euros. The amortization period would be reduced to nine years, to 6% of the purchase price during the first seven years, and 4% the following two years 8% against the first five years and 2.5% the next four years Robien in the original. This will have little impact on the taxpayer, according to the Federation of developers and builders. In addition, as part of the reform of the taxation of property income, the standard allowance of 6% could be removed.

The improvement for Overseas
Those who invest in the overseas territories would be gratifying, as the Finance Bill, a specific framework given the economic importance of investment. They benefit from a limit which would be 8,000 euros and 750 euros for each dependent child 15% of net taxable income.

Inconsistency for ZRR
investment in a resort area located in a rural revitalization (ZRR) qualifies for a tax reduction equal to 25% of the purchase price, within of 50,000 euros for a single person and € 100,000 for a couple. This reduction is spread over four years, a maximum total reduction of 12,500 euros (3,125 euros per year) for a single person and 25,000 euros (6,250 euros per year). Entering under the ceiling, the investment risk of being penalized, which is bad news for the common hotspots for tourism. "This position lacks coherence, said Gerard Bremond, president of the Pierre & Vacances. The development of revitalization zones installed long ago. The development of these sectors is generating jobs in construction and in services such as the DOM-TOM. The deputies areas also involved preparing to leap.

Misunderstanding for the Malraux Act
restricted to taxpayers heavily taxed, the investment risk Malraux law also suffer from the ceiling. This tax provision allows an owner of a building in a conservation area or an area of urban architectural heritage and landscape deduct the losses resulting from land reclamation expenses on his total income, and without any ceiling . Again, this is the rehabilitation of historic centers that might be delayed while most elected officials see a return to the inner city. And again MEPs mobilis

source: lesechos.fr

Souvenir Program Sample

born in 2006

SAVINGS An order has just given a legal status for future real estate investment funds. Intended to replace the SCPI, they may emerge from the second quarter of 2006.

The days of REITs are numbered! For several months now, the arrival of their replacements is scheduled. They will be named OPCIs (collective investment real estate). By purchasing shares of these funds, accessible to only a few hundred dollars, investors invest in a heritage real estate, managed by professionals. They will be entitled to a share of rental income received by the OPCI and capital gains it has achieved. Best OPCIs will fund a portion of their earnings, which could raise the price of the shares ... and allow their owners happy to pocket a profit when they resell.

The creation of this new investment is now a matter of few months. The first stage has been reached with the publication of an order that details their legal regime. Their tax status should he be voted at the end of the year in the supplementary budget 2005. Finally, the AMF will clarify their rules of operation, probably in late January. Management companies are hoping to launch their first OPCIs So the first half of 2006. Subscriptions

resales and simplified

They will have a chance to bring back investors to stone paper, advocating the benefits of their competing OPCIs REITs.

differences will be significant. REITs are essentially holding real property, while OPCIs can broaden their portfolios to equities (eg property companies) and other investments.

While REITs do not get into debt, OPCIs may borrow, within reason, to purchase goods and thus benefit from a leverage effect (if the rents collected are greater than the cost of credit). They will also have greater freedom to manage and mediate their heritage. These measures should help to sustain the performance.

source: lefigaro.fr

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Real Estate and Search Engines

The real estate site abonim.com conducted a survey of 1589 Internet users place on the engine as part of a real estate search.
Customers almost all use search engines (MOR).
32% say that these engines have changed their way of surfing and 53% believe that MOR could better help them find information. That is, if expectations are on them. Almost

majority (43%) think the MOR have too much advertising, but it is only one percent of respondent to accept that the MOR are paying.


66% of Internet users are aware of 'sponsored links' of MOR and 68% find it interesting that their ad appears on the MOR

60% of respondents say directly type the keywords in their query on the MOR. (Eg "real Paris," "house Cote d'Armor" or " Trade Marseille). The same proportion (59%) will search for information on real estate sites.


This survey confirms the existing studies on the power and reach of Google. Indeed, 78% of those responding say they use online mainly Google. Yahoo, which was in the early 90's forerunner, is far behind (8%) This is closely followed by the search engine from France Telecom (6%). It is interesting to note that "the incumbent" has missed the boat on search engines, preferring to focus its efforts on the Yellow Pages ...
Supremacy Google will not be opened any time soon because 80% of those surveyed say they are loyal to their search engine, something that will strengthen Google's dominance.


failures can be explained generally better than the successes, we have virtually no data to explain that of Google. Some tracks allow us to say that this is an MOR technologically advanced, easy to use, complete in the number of pages listed, and that its managers have preferred to avoid cluttering the pages with ads too showy or "pop up" spurious

Source: abonim.com

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VAT at 5.5% prolonged

Minister Delegate for Industry, François Loos, said Wednesday that the EU would agree to an extension beyond December 31 of the VAT reduced to 5 , 5% for renovations at the session of questions to the government in the National Assembly.
"We must have a formal green light from the European Union, we will in November at the next meeting of the Ecofin, the meeting of European finance ministers, said Loos, who met to a question from MP Peter PS Cohen (Haute-Garonne).
Recall that the perpetuation of the measure or its extension provisional depends on a unanimous decision of EU finance ministers. Three meetings are planned by the end of the year.
VAT at 5.5% for the renovation came into force September 15, 1999, and was extended until December 2005, but the draft 2006 budget provides for its maintenance.
"The prime minister made the decision today to give our craftsmen the opportunity to prepare the estimates in this framework to predict the purchases for all consumers on this basis, therefore we continue," recalled Mr. Loos. "Today we ask everyone to consider what is in our budget," he said.
VAT at 5.5% for the renovation is a "win-win measure. Reduce VAT in the building is to help artisans have more work, it's 3 billion in additional work, c 'is 50,000 additional jobs, "said Loos.

source: lemoniteur-expert.com

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Pessimism in the Senate on the changing real estate market

In a communication to the Committee on Finance, the general rapporteur of the budget in the Senate, Philippe Marini, said Tuesday that "it is not implausible to imagine a decline in house prices double-digit over the next two years. "

Based on studies of the French Observatory of Economic Conditions (OFCE) and IMF on OECD countries between 1970 and 2002, Senator Philippe Marini held that "the real estate market has reached a high point "and a" turnaround "is" highly probable ".

According to him, "situational factors increase the demand" for housing had "burn out", while "household solvency appears highly degraded."

The government must make a choice
Philippe Marini, the government faces a "dilemma": "helping the middle class households primary acquirers, undoubtedly impoverished by rising house prices, the risk almost proved to feed inflation of the market, or allow the adjustment being effected, caused by the limited procurement capacity of households to facilitate a soft landing. "

Given the implications of this situation in terms of GDP growth, Mr. Marini "calls on governments to be cautious to avoid an over reaction of the markets, decline, with a risk for growth, as well as rise, with the risks associated with the creation of a bubble. "

source: Batiactu

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development of housing supply is Paris

Jean-Louis Borloo, Minister for Employment, Social Cohesion and Housing, presented a paper on the development of housing supply.

France has a housing crisis, which particularly affects households with modest incomes or means, and for many regions and most major cities. This crisis is mainly due to a very poor level of construction over the past decade, that needs to relaunch today in a massive and sustainable housing.

Faced with this crisis, the Government has already adopted in June 2004 the Social Cohesion Plan in order to increase the supply of rental housing available in the public park and in the private and social access to the property. These shares were added to the mechanism of investment aid private rental "Robien, created in 2003 and has contributed to the revival of the level of construction, expected to reach 400,000 housing starts this year. Finally, the Government launched soon 2003 an ambitious urban renewal scheme to restore a better quality of life for all people living in disadvantaged neighborhoods.

The Government has decided to give new impetus to its policy for housing. The objective is firstly to reinforce the actions already undertaken by mobilizing land resources more efficiently, and also to intervene more broadly across the housing chain.

It decided to initiate a national plan including the following main measures:

- the mobilization of land: the State will set an example by mobilizing its own land to allow the start of construction of 20,000 homes in 3 years; parallel, local communities will be encouraged to develop policies and tools much more ambitious land for housing, in addition, fiscal measures will be proposed to encourage the construction and fight against the retention property, and finally, the Government wishes to encourage reflection, in consultation with local elected officials on a better consideration of the construction effort in the resources of Commons.

- the development of social rental housing supply: there is provided a marked improvement loans from the cash deposits Consignments and the creation of loans dedicated to land acquisition, and finally accelerating the payment of state subsidies for social housing organizations.

- Recovery of intermediate housing in large cities suffering from a shortage of supply between social housing and housing law: a decrease in the rate of loans has been decided for the intermediate rental, also a new device reducing the cost of the purchase of housing by owners of modest means will be studied and, finally, it is envisaged to better target incentive device current tax on areas with tight market.

- the development of home ownership: it is proposed to open a loan at 0% to more households; to apply a VAT rate of 5.5% for social access in neighborhoods in urban renewal to revive the lease assumption, and finally, it is planned to develop "home to 100 000 €" for which a charter will be signed soon with local officials and professionals.

- finally, the human tragedies that occurred this summer lead to initiate as soon as possible a specific plan increased supply of housing for the poor, including emergency housing 5000 and inserting spaces and 5000 serviced apartments with a social purpose.

All these measures with other measures relating to access to housing, business modernization, improving the quality of the park and the fight against substandard housing, forms a coherent action plan whose legislative elements will be presented to Parliament in November 2005 during the discussion of the "bill on national commitment to housing." Through its

scale, this plan will need to mobilize all national and local actors involved in the field of housing: operators, financiers, communities, etc.. For its part, the state will mobilize all relevant ministries and for better coordination, and creates an interdepartmental committee chaired by the Prime Minister and led by an interministerial delegate placed with the Minister for Employment, Social Cohesion and housing.
With this new comprehensive plan for housing, the state continues and expands its activities in this priority area and therefore meets one of the top expectations the French.
An interdepartmental committee for the development of housing supply has also been created. Chaired by the Prime Minister, this committee will set the direction of government policy on development of housing supply, and addressing in particular the political mobilization of land resources. In addition, Jean-Pierre Beysson, was appointed ministerial delegate for the development of housing supply. Its mission is to provide the secretariat of the interministerial committee and ensure consistency between the guidelines set by the committee and those adopted in construction and urban planning.

PRESS RELEASE Paris, October 5, 2005
Ministry of Employment, Social Cohesion and Housing
source: http://www.logement.equipement.gouv.fr/

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it its premium?

The advertised prices in some areas pose the question of the objective value of the stone. Rollover market, overvalued assets would obviously be the first to suffer.
In Monopoly, the data were clear. Ruby red, emerald green and bright blue for the beautiful neighborhoods, faded and dull for the less expensive. The game celebrated its 70th birthday this year turned upside down the hierarchy of places and multiplying all prices by ... 10 000! The recent inflation has not had that effect on the real market. Although ... If the boroughs
cheapest have caught up and everything seems to Paris to sell in a narrow range around 4700 euros on average, some micro-markets are exploding these statistics. Saint-Germain-des-Pres, the Marais, Ile Saint-Louis, some islands of the third or the eleventh district, Bastille, the Montorgueil in the second, part of the trail or the foot of Montmartre reach prices crazy, inexplicable in any case by their own characteristics heritage. Compared to beautiful Haussmann buildings of the seventh, eighth, sixteenth and seventeenth districts, or even so-called popular neighborhoods, the stone buildings of Paris or the Second Empire buildings are a bit shabby, even rue Jacob. "Take the Ile Saint-Louis: no subway, only a dozen buildings with elevator, less and less real shops and apartments with high ceilings may not always overcome the small size of rooms, streets flooded by tourists every weekend. Living here is not very practical or even enjoyable, "Analysis Emmanuel Ducasse, head of the Credit Foncier Expertise pole.
source lefigaro.fr
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Towards a soft landing of mortgages in Europe

In France, experts expect a slowdown in mortgage lending simple. They rule out any outbreak of the "bubble".
Life "pink" in the mortgage market "will not last." European banks are still benefiting, said Standard & Poor's (S & P) in a study, "the best of both worlds: high volumes of credit and few defects, because of low interest rates. But in Britain, this idyllic picture already peeling. Raising interest rates has increased the carrying costs of households, pushing down the property prices and volumes of loans.
It remains in the "soft landing," said Jean-Michel Six, chief Europe economist at S & P. It has already taken place in Ireland, and is likely to recur in Spain. In France and Italy, it will be even a slowdown. "Property prices are less inflated and the level of household debt is moderate," the agency said.
dream scenario for the Bank of France
For the Bank of France, who worried in a recent study of "sustainability" of the dynamics, origin essentially financial, mortgage loans for household budgets, it's a dream scenario. The debt ratio, which fell in France from 50.5% at end 1994 to 48.8% in mid-1996, recently flew to achieve a "record" of 60.3% to end of December 2004. The burden of repayment on the household gross disposable income rose 6.9% in 2000 to 8.5% in 2004.
The lighter weight of interest (4.9% in 1993 to 2% in 2004) was not enough to offset the increase in the burden of repayment capital. "The property prices have risen faster than household incomes French since 2000 and the weight of the real estate accounts for a quarter of their income, against a fifth in 2000. It is normal to see some slowdown, but it will not be a bubble that will burst, "says Jean-Michel Six.
The tone is also easing the additional concern of the Bank of France, that is to say, the growing share of variable rate loans, representing 35% of new contracts, against less than 10 % before 2002, and which cause "increased exposure to interest rate risk for our clients". But "assuming a sharp rise in short-term rates, the proportion of defaulters certainly increase (...). This scenario is not theoretical, since it has already produced for British households (...), who found themselves massively insolvent with soaring interest rates at the end of the decade 1980 " . Jean-Michel Six, it would require a 3% increase in interest rates to cause a housing crisis, and "there is far". The source
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The "rich poor" on the island of Ré and the reform of the ISF

(Jean-Louis Andreani). It was one of the best lobbying operations ever carried out against tax on capital. Within months, Constancin Valerie, 42, president since 2002 of the Defense Association of the inhabitants of the island of Ré (Adhir), has achieved the impossible: to convince politicians and the media that the island of Ré the poor pay taxes for the rich.

On June 8 press conference in Paris of Adhir. The 15 letter to all MPs and senators, the President of the Republic, the Prime Minister and Ministers of Bercy demanding "the removal of the ISF or, failing that, his reform." And on Sept. 14, the government announced a major tax reform which de facto limits the weight of the ISF. Until several bills designed to lighten the tax from becoming amendments to the draft budget being debated in Parliament soon.

's argument Ms. Constancin is simple: she defends small retirees subject to the ISF because they own houses or land affected by rising prices, spectacular in this ultra-chic island. Some are driven to sell their only asset, a small shack of a fisherman or farmer inherited from their parents. For a bit, thanks to the activism of this very political entrepreneur, originally from mainland and married to a Rétais, the TFR would have become the main social problem of the island, far ahead of that of many young people forced to leave, unable to afford housing ...

Yet a Rétais low-income, owner of a small country house with his bit of garden, is hardly threatened by the ISF. Such property does not meet the current threshold for triggering the tax (720 000), as evidenced by the ads on site.

And even if it was for our little shack with white walls, the tax would be very low. A house of 750 000 is indeed subject to a rate of 0.55% ISF, but only for a fraction of its value above 720 000 euro (30,000 euro). Is an annual tax of 165 euros plus: the main residence has a 20% discount; dependents and borrowings are taken into account. Thus, the owner of a principal residence of 750 000 euros pays nothing. Therefore

Rétais taxpayers in trouble with the ISF are rather own multiple homes and / or building land. They sometimes add a strong heritage furniture (stocks, etc..) Whose sole income sufficient to pay their ISF: one of the members of Adhir imposed for about 15,000 euros, says values securities for more than 1.3 million.

But the ISF is a tax "declarative" and these taxpayers have never emerged or have underestimated their heritage. The Rétais who sold a plot of buildable land to pay the ISF are, essentially, large landlords adjusted by the tax over several years ...

Read the rest of the article on lemonde.fr
source: lemonde.fr

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"It took that lives are at stake to respond"

What is the status of the housing stock of social housing today? The objective of Borloo build 100,000 homes per year by injecting 250 million euros extra in the budget it sound feasible and sufficient?

- Borloo committed to build 400,000 homes in 2005 alone. According to the latest figures I have, 100,000 cases are waiting for housing in Paris, 350,000 in Ile-de-France, 1.3 million on the entire French territory. Quantitatively, we can say that these 400,000 homes are inadequate but it will still unlock the situation a bit of requests for access to housing.
The current situation of inaction of successive policies on housing. 400,000 homes built, okay, but will he stop there? The social cohesion plan provided for 500,000 homes in 5 years. Will they overlap with others?
The consequence of the failure of housing supply is inflation. Rents are rising because demand is too high relative to supply.

Some ways exist to address this, but governments have not been proven.
Housing assistance has been increased by 1.8%, while private rents have risen 4.57% since the beginning of the year, and that no revaluation was made in 2004. To account for the increase in rents, housing assistance should have been upgraded by 6%.
Moreover, the minister wants to create a new index to replace the index the construction costs for which changes are significant, but in the medium term it will come back to the same.
Some aid is also provided to assist in access to housing and we must continue in this direction. For example, ANAH subsidizes the work to improve housing for some donors who agree to rent at a lower price than the market.
As for zero-interest loans for homeownership, it can help in a number of cases. 20,000 loans per month have been granted since early February. Increase its scope is a good thing, but it is not ready to zero that will solve all problems.
400,000 homes built, we could do better, but already he gets there ... Will it really necessary funds? A priori funds have been released but it seems so huge that it's hard to achieve.
shame that it took that dilapidated buildings caught fire and that lives are at stake to react ...

Municipalities should all have 20% of social housing. Where are we today? Do you think sanctions will actually be enforced? Loans over 50 years they will grow mayors to build?

- The threshold of 20% social housing in the municipalities was already included in the SRU. So there already but the fines are so low that cities would rather pay than build public housing. It is a political problem. The mayors who have built are often threatened not to be reelected. The threshold of 20% social housing is a good thing but in practice nothing is done to verify the application and implement effective sanctions. The intention is good but we must see how it happen.
Beyond the technical and financial problem of the construction is a problem of will of mayors. Housing office has a bad reputation. We think it will devalue the neighborhood, make a poor population that housing will not be maintained and will be degraded. These live shots of many people and therefore voters who put pressure on mayors.
Regarding the loan over 50 years, I'm not sure it will have an impact. Some mayors are interested, I'm not saying that these loans will be at a loss, but they will not solve the underlying problem. I hope the reality show otherwise, but I doubt it.

The construction of social housing is one thing. The assumption of this accommodation is one another. The minister expect anything to facilitate the accession of the poorest families?

- The construction and home are linked. If there is congestion because too few dwellings are proposed and must therefore be selective. With more housing, we will promote the social home. Construction is expected to enable poorer families to access it.
However, we must not only build social housing. We must also develop the intermediate and private homes. Any middle class earns too much for access to public housing but too little access to private housing. We must see the problem housing as a whole. Regarding the award process itself, I do not think it is challenged.

Interviewed by Manuelle Tilly
source: cnn

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The "roommate" ever popular with students

This should be probably a result of the "Friends Indeed". ... According to a poll conducted by Ipsos on behalf of the site appartager.com, 22 and 23 July by telephone on a sample of 510 people aged 15-44 years, representative of the French population, selected by quota sampling, 20% of French 15-44 years claim to have already lived, live or wish to live in roommate. 28% of people have never tried this form of Anglo Saxon, who can share an apartment and said they were tempted by the experience. For 52% of respondents, the goal is to "Find a solution to rising rents." 24% make that choice for learning to live with others ", 20% believe that the roommate is a way to" break their loneliness and make new friends ".28% fall in the 25-34 age bracket, 11 % ages 15-24 19% 35-44. 71% said they had no preference regarding the sex of the person. 12% and want to share an apartment with someone of the same sex

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embellished the real estate market in Japan

After fourteen years of steady decline, the average price of property rose for the first time over one year to June 2005, according to a study by the Japanese Ministry of Transport and Spatial Planning (MLIT).

Between 1 July 2004 and June 31, 2005, the price of residential property in the capital rose by 0.5% and 0.6% in the commercial sector, according to the annual study. Growth that fuels the hopes of a return to growth and the possible end of deflation that plagued the Japanese economy for over seven years.

The ministry said the increase reflects the growth in demand for office space and luxury apartments in the center of the megalopolis, the ministry said.
Indeed, new residential towers, ultra-modern, are again ground in neighborhoods of the capital where did not live more than businesses and shops. Massive urban projects around luxury shopping complexes also contribute to attracting businesses and individuals in uptown.
"These data are very positive for the Japanese economy. They show that Japanese companies are more constrained in their investment by ending deflation , "Said Junichi Makino, an analyst at Daiwa Securities.
However, only Tokyo has so far this reboot. Indeed, for the fourteenth consecutive year, prices in the rest of Japan declined. Den in early July 2004 and end June 2005, and are dropped by an average of 3.8% in the residential and 5% in the commercial sector.
In August, another study conducted using data and different criteria by the National Tax Agency showed the same trends.

source: batiactu.com

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trees they would rise up to heaven?

Then, bubble or no housing bubble ? Burst near or sustainable growth? Should we expect a crash in 1991 or so tomorrows? That's the question ... According
FNAIM and the Century 21 group, the trend seems to decline at least for the old ... after the record increase of 16.2% last year. A break - but is it really confirmed? - Calm the spirits and refresh their heads ... But for now we're still at the top of the curve.
Pessimists say that this time the increase has lasted too long to go too high and the market will spin. But the "professionals the profession, "we unanimously optimistic worry ... until proven otherwise, they see the trend continue, although perhaps a bit slower, but say it without an about-face, based on an application more creditworthy than expected, boosted by low interest rates ... and will remain so for how long?
But of course, is the market will decide and the market is you! ...
source abonim.com