Documento de 2005 sobre el mercado inmobiliario español que trata, entre otros, las causas de la burbuja inmobiliaria (mencionada explícitamente), el escaso desarrollo del mercado del alquiler (que, en otros países, amortigua los precios en el de compra), el creciente endeudamiento de los españoles (debido a intereses bajos y plazos muy extendidos), y la inevitable corrección que tendrá lugar a medio plazo, debido a que la práctica totalidad de las hipotecas es de interés variable y a la importancia del sector en la economía.
Comentarios
Estos no tienen desperdicio (incluso prevén elecciones anticipadas si la cosa se pone mal):
- "According to Juan Justo Tinaut Elorza (Subdirector General for Real Estate Policy of the Spanish Ministry of Housing), only 9% of all Spaniards rent homes, compared to the European average of 32%. The low supply of rentable housing in Spain is primarily attributed to insufficient legal protection for landlords. [...] Consequently, many homeowners have and prefer to leave their property vacant rather than rent. The fact that so many potential rental properties remain empty in the face of such great demand is a unique phenomena of the Spanish housing market. It is estimated that up to 3.1 million properties in Spain remain vacant."
- "In most advanced economies, the rental market is important because it acts as a balance on home prices. When housing costs start to rise, rental options become more attractive and demand to purchase homes falls. A stronger rental market in Spain would help to moderate growth (and decline) in housing prices. Tinaut seemed to infer that the GOS is unwilling to liberalize the rental code to facilitate renting. Instead the government has put its faith in intermediary agencies that work to increase the availability of rental property without expanding the rights of landlords. He remarked that intraparty political compromise on rental (and housing) issues is difficult to achieve."
- "The key determinant in the housing market is the variable interest rate mortgages most Spaniards hold. Even a slight rate increase by the European Central Bank would result in falling demand, lower home prices, reduced construction and possibly, a general economic slowdown [¿os suena de algo?]. The political implications of a recessed housing market are also significant. If the economy begins to slow in 2006, it is widely speculated that the Socialist PSOE government will call early elections."
lol a los negativos, u mad?
#2 ¿Errónea? ¿Cansina? ¿Irrelevante?
En todo caso comprendería que alguien votara "antigua", "cansina" quizás, pero errónea... WTF?