Re: Tema: PPCC - Pisitófilos Creditófagos - Primavera 2023

[Centinela]

Si soy Hacienda empiezo a cobrar impuestos según los precios de oferta de los portales inmobiliarios, es una tasación realizada por el propio dueño, no tengo por qué dudar de ella, tanto vale (según tú mismo dices), tanto pagas.

Sencillamente brutal. Mis dieses Bendita 

De hecho, cuando se creó el valor de referencia catastral, que sirve para el cálculo de determinados impuestos (ITP, sucesiones), llegamos a pensar que podría servir de base para el cálculo de otros impuestos (nuevos o existentes).

Yo al menos sigo pensándolo. El Catastro Inmobiliario es una joya para esos efectos, ahora que incluso se está georeferenciando, si el gobierno necesita una base de datos de valores inmobiliarios lo usará. No puede usar otro, porque "hacer" otro censo inmobiliario desde cero sería una locura, y en España no se haría (no tenemos ni siquiera el mapa de viviendas del que habla Benditaliquidez, con lo fácil que sería).

Tocando el valor catastral modificas la financiación de multitud de impuestos y a todas las Administraciones Públicas (AGE, CCAA y EELL). Y eso se puede hacer desde Madrid. Creo que tarde o temprano se hará, a efectos recaudatorios.

[sudden and sharp]

Y un (nuevo) censo de población. (Desde cero si es necesario.)

[Benzino Napaloni]

Y un (nuevo) censo de población. (Desde cero si es necesario.)

¿Y acreditar que la cacareada demanda es puro humo? Llamen al manicomio que hay un loco suelto proponiendo ideas peligrosas  .

Ahora en serio, invoco a PPCC. Creo que fue él quien compartió un análisis de un organismo independiente vs el del INE. Con una diferencia de 5 millones de habitantes en sus estimaciones. Casi nada.

Mucho me temo que aquí se va a cumplir el mismo patrón de Empresas que Caen de Jim Collins. La decadencia de una empresa es un proceso complejo. Pero el final es muy sencillo. ¿Cuándo muere una empresa? Cuando se le acaba la pasta. El tocho español no puede caer de ninguna otra manera.

[sudden and sharp]

Zen Protocol

- Go forth with a calm relaxed attitude.
- Choose a few topics to educate yourself and others on.
- Simply correct misinformation you see rather than call out anyone for it.
- Maintain a list of friendly's across all communities.
- Seek out as many of those communities as you can.
- If you get unduly censored alert your personal network.
- Celebrate shills,    they provide an opportunity to provide counterpoints
   and education every time they post; The obstacle in the way BECOMES the way.
- Zen does not equal complacent! Nor does it mean I have let go of the rage and hatred
   in my heart, It simply means I direct it at the right people in the best way I can.













https://www.reddit.com/r/Superstonk/comments/149wisp/the_zen_protocol/

[sudden and sharp]

Y un (nuevo) censo de población. (Desde cero si es necesario.)

¿Y acreditar que la cacareada demanda es puro humo? Llamen al manicomio que hay un loco suelto proponiendo ideas peligrosas  .

Ahora en serio, invoco a PPCC. Creo que fue él quien compartió un análisis de un organismo independiente vs el del INE. Con una diferencia de 5 millones de habitantes en sus estimaciones. Casi nada.

Mucho me temo que aquí se va a cumplir el mismo patrón de Empresas que Caen de Jim Collins. La decadencia de una empresa es un proceso complejo. Pero el final es muy sencillo. ¿Cuándo muere una empresa? Cuando se le acaba la pasta. El tocho español no puede caer de ninguna otra manera.

¿Te quiere tu mamá...?  --Claro.  [ Pero compruébalo. ]




Lo que dicen Saturio o pp.cc. ... ¿Un güevo de parados pero los inmigrantes encuentran trabajo sin problemas? ¿Nadie necesita trabajo en el país con más paro de Europa, y que bate records de población trabajadora con inmigrantes, que además ya no vienen?

¿Qué necesitan los rentistas? Gente, mucha. ¿Qué necesitan los que quieren dar el pase? Gente, para vender la milonga del buy-to-rent.




Será por gente... Póngame dos o trea milloncejos más.   

[Benzino Napaloni]

Y un (nuevo) censo de población. (Desde cero si es necesario.)

¿Y acreditar que la cacareada demanda es puro humo? Llamen al manicomio que hay un loco suelto proponiendo ideas peligrosas  .

Ahora en serio, invoco a PPCC. Creo que fue él quien compartió un análisis de un organismo independiente vs el del INE. Con una diferencia de 5 millones de habitantes en sus estimaciones. Casi nada.

Mucho me temo que aquí se va a cumplir el mismo patrón de Empresas que Caen de Jim Collins. La decadencia de una empresa es un proceso complejo. Pero el final es muy sencillo. ¿Cuándo muere una empresa? Cuando se le acaba la pasta. El tocho español no puede caer de ninguna otra manera.

¿Te quiere tu mamá...?  --Claro.  [ Pero compruébalo. ]




Lo que dicen Saturio o pp.cc. ... ¿Un güevo de parados pero los inmigrantes encuentran trabajo sin problemas? ¿Nadie necesita trabajo en el país con más paro de Europa, y que bate records de población trabajadora con inmigrantes, que además ya no vienen?

¿Qué necesitan los rentistas? Gente, mucha. ¿Qué necesitan los que quieren dar el pase? Gente, para vender la milonga del buy-to-rent.




Será por gente... Póngame dos o trea milloncejos más.   

La cosa es ver hasta qué punto esto sigue siendo viable o si ya está alcanzando su techo y empieza a no funcionar.

Viendo que los empresarios (más de uno "voxemita") presionan al menestro para "agilizar trámites" para inmigración, y que ya tenemos otro verano de hosteleros quejándose de que "no encontramos camareros", parece que hay mata, y por lo tanto hay patata.

[sudden and sharp]

Y un (nuevo) censo de población. (Desde cero si es necesario.)

¿Y acreditar que la cacareada demanda es puro humo? Llamen al manicomio que hay un loco suelto proponiendo ideas peligrosas  .

Ahora en serio, invoco a PPCC. Creo que fue él quien compartió un análisis de un organismo independiente vs el del INE. Con una diferencia de 5 millones de habitantes en sus estimaciones. Casi nada.

Mucho me temo que aquí se va a cumplir el mismo patrón de Empresas que Caen de Jim Collins. La decadencia de una empresa es un proceso complejo. Pero el final es muy sencillo. ¿Cuándo muere una empresa? Cuando se le acaba la pasta. El tocho español no puede caer de ninguna otra manera.

¿Te quiere tu mamá...?  --Claro.  [ Pero compruébalo. ]




Lo que dicen Saturio o pp.cc. ... ¿Un güevo de parados pero los inmigrantes encuentran trabajo sin problemas? ¿Nadie necesita trabajo en el país con más paro de Europa, y que bate records de población trabajadora con inmigrantes, que además ya no vienen?

¿Qué necesitan los rentistas? Gente, mucha. ¿Qué necesitan los que quieren dar el pase? Gente, para vender la milonga del buy-to-rent.




Será por gente... Póngame dos o trea milloncejos más.   

La cosa es ver hasta qué punto esto sigue siendo viable o si ya está alcanzando su techo y empieza a no funcionar.

Viendo que los empresarios (más de uno "voxemita") presionan al menestro para "agilizar trámites" para inmigración, y que ya tenemos otro verano de hosteleros quejándose de que "no encontramos camareros", parece que hay mata, y por lo tanto hay patata.

Lo que nos lleva al precio del zumo de bicho... 

[el malo]

Si soy Hacienda empiezo a cobrar impuestos según los precios de oferta de los portales inmobiliarios, es una tasación realizada por el propio dueño, no tengo por qué dudar de ella, tanto vale (según tú mismo dices), tanto pagas.

Sencillamente brutal. Mis dieses Bendita 

De hecho, cuando se creó el valor de referencia catastral, que sirve para el cálculo de determinados impuestos (ITP, sucesiones), llegamos a pensar que podría servir de base para el cálculo de otros impuestos (nuevos o existentes).

Yo al menos sigo pensándolo. El Catastro Inmobiliario es una joya para esos efectos, ahora que incluso se está georeferenciando, si el gobierno necesita una base de datos de valores inmobiliarios lo usará. No puede usar otro, porque "hacer" otro censo inmobiliario desde cero sería una locura, y en España no se haría (no tenemos ni siquiera el mapa de viviendas del que habla Benditaliquidez, con lo fácil que sería).

Tocando el valor catastral modificas la financiación de multitud de impuestos y a todas las Administraciones Públicas (AGE, CCAA y EELL). Y eso se puede hacer desde Madrid. Creo que tarde o temprano se hará, a efectos recaudatorios.

Ya están trabajando en ello. Si viven en una zona más o menos deshabitada (o tienen una segunda residencia en un pueblo medio perdido -o no tan perdido-) habrán "sufrido" la actualización de los precios del catastro. En mi familia nos ha pasado con una casa de pueblo en Quintopinostán que tiene un valor significativamente más alto en el catastro que en la tasación oficial de Tinsa 

Tenemos todo el papeleo listo para reclamar, no vayan a sorprendernos con un nuevo impuesto basándose en el valor catastral actualizado y nos hagan pagar como si fueramos el Tio Gilito.

[Lem]

‘This is going to sting’: What will mortgage chaos mean for homeowners and renters?

There has been further gloom for homeowners this week as banks reacted to signs of stubborn inflation by pulling mortgage deals and raising rates, while polling suggested nearly half of borrowers fear they will struggle with their housing re-payments within 12 months.

HSBC was expected to take the extraordinary step of raising its mortgage prices for the second time in a week, as speculation mounted over whether Rishi Sunak’s government could be forced to intervene to help homeowners feeling the pain of rising rates.

With markets betting on interest rates hitting nearly 6 per cent within months and government borrowing costs surpassing even the peak seen during Liz Truss’s mini-Budget meltdown, ministers urged banks this week to act to protect mortgage-holders struggling with repayments.

One expert told The Independent on Wednesday that the chaos was “going to sting a lot of people” and warned that renters will ultimately feel the greatest impact, despite predicting that banks “will fall over themselves to come up with ways not to repossess” people’s homes.

How much have mortgage rates risen by?

Homeowners have already faced stark rises in their bills, with recent Labour analysis claiming that typical interest repayments have risen by £150 per week – or £7,000 a year – since last September’s mini-Budget spooked markets.

With the Bank of England now expected to hike rates even more steeply than anticipated after inflation failed to fall as predicted last month, the Centre for Economics and Business Research think-tank (CEBR) now expects the the two-year 75 per cent loan-to-value mortgage rate to hit an average of 5.1 per cent in 2023.

Rates for fixed-rate home loans have surged by 0.5 per cent in the past few weeks alone, according to the analytics firm MoneyFacts. Those with a typical £200,000 mortgage on a 25-year term will now pay an average of £977 a month in interest, broker L&C Mortgages suggests.

According to Neal Hudson, an analyst at Built Place, today’s rates of nearly 6 per cent will cause the equivalent “stress” to homeowners as the double-digit interest rates of the 1980s, given that the amount borrowed is now far higher relative to people’s income.

Speaking to BBC Radio 4’s Today show, HSBC boss Ian Stuart said his bank believes “rates will probably increase a little bit more and will probably stay a little bit higher for longer” – and will not start to fall significantly “until inflation is much lower than it is today”.

What does it mean for people whose fixed-term deals are due to end?

Forecasting that around 2.6 million people are soon due to move from cheaper fixed-term deals, the CEBR believes those looking to renegotiate their deals over the next two years as a result will face an £8.7bn increase in their payments, with the worst rises in southeast England.

Mr Hudson told The Independent that “the big increase in interest rates will be concerning for those coming to the end of their fixed rate periods, of which there will be a large number given it’s two years after the SDLT holiday.

“If rates stay this high then borrowers will undoubtedly struggle, especially given the cost of living crisis. Hopefully inflation will ease quickly and [Bank of England base rate] won’t have to go as high as the market is currently suggesting.”

According to broker London Money, mortgage repayments for borrowers whose existing deals have come to an end are about 26 per cent a month higher on average, The Times reported.

Mr Stuart of HSBC said there was “no doubt that people are really having to rethink their personal finances”, adding: “If you've got an old rate as many will have of say 1.5 per cent and you're going to come off that rate and go onto something like 5 per cent, that is a big impact on your monthly budget.”

How could lenders react to rising rates?

With many homeowners confronting “the ice-cold reality of 2023 rates”, how banks react will be crucial. Buying agent and property expert Henry Pryor told The Independent that he believes lenders “want to be seen to be helping” their customers to avoid being seen as “villians” following the financial crisis.

Mr Pryor said: “Clearly existing mortgage holders – in particular those on fixed rate products – will experience a Wim Hof moment when the ice-cold reality of 2023 rates lands on their door mat or inbox.

“When they took out their two or five-year fixed mortgage they will have been stress-tested to check that they could afford rates up to 7 per cent even if they didn’t expect it to ever happen.

“I think most will cut back and economise to ensure that they continue to meet the higher payments, very few will want to experience repossession. For those who can’t lenders will fall over themselves to come up with ways not to repossess.

“They will extend 25 year mortgages to 30 or 35 years. They will move borrowers over to interest only payments for say 5 years – anything to avoid once again becoming the villains of the piece as they were in 2009 after the global financial crash.

“Banks have only just been welcomed back into polite society having been bailed out of their mess. This time they want to be seen to be helping where necessary even if they will still make a profit on their assistance.”

How will this affect renters?

Renters are also expected to bear the brunt of rising rates, with concerns that dwindling profits could see a mass departure of landlords and properties from the market – many of whom have already pushed up rents to cover their costs.

“Tenants will find their landlords looking pale if they have a mortgage as many buy-to-let investors do,” Mr Pryor said. “Most will try and charge more rent but it seems unlikely that tenants will be able to afford much more. Some will then sell up giving their tenant notice.

“This will add to the current demand for rental properties and push rents up further. Tenants can’t or shouldn’t borrow to pay their rent and some are going to find it harder than mortgage borrowers who can at least sell up and downsize.”

Warning that “this is going to sting a lot of people”, Mr Pryor predicted that many of those with a mortgage – amounting to around a third of households – “will see a drop back in their standard of living as they cut back to afford” it.

However, “we will doubtless see the biggest impact” in the private rental sector, including homelessness for some of the roughly four million people who rent their homes, Mr Pryor warned.

Will the government intervene?

With concerns having grown in recent days, speculation has increased over whether the government could step in to help homeowners.

New Statesman senior editor George Eaton said he “would not be surprised if the government ends up subsidising mortgages”, while the Daily Telegraph’s money advice editor Sam Brodbeck suggested it “feels like the [government] will be intervening sooner rather than later”.

While the strongest remarks from Downing Street were merely to say that it expected mortgage lenders to protect homeowners struggling with rate rises, housing minister Rachel Maclean appeared to claim on a BBC panel show that “a mortgage support scheme” is in the pipeline – but failed to provide any details.

What can people do to stay on top of payments?

Polling by YouGov for The Times this week found that 30 per cent of borrowers already find it “difficult” to pay their mortgage, with 46 per cent expecting that to be the case in 12 months’ time.

There are a number of steps that people may be able to take to ease their mortgage repayments, such as: switching to interest-only deals, which means your capital balance will remain unpaid; seeking to extend their mortgage term if possible; seeking a ‘consent to let’ agreement from their lender to rent out their property; or seeking to use an offset mortgage to reduce interest payments.

[Centinela]

Si soy Hacienda empiezo a cobrar impuestos según los precios de oferta de los portales inmobiliarios, es una tasación realizada por el propio dueño, no tengo por qué dudar de ella, tanto vale (según tú mismo dices), tanto pagas.

Sencillamente brutal. Mis dieses Bendita 

De hecho, cuando se creó el valor de referencia catastral, que sirve para el cálculo de determinados impuestos (ITP, sucesiones), llegamos a pensar que podría servir de base para el cálculo de otros impuestos (nuevos o existentes).

Yo al menos sigo pensándolo. El Catastro Inmobiliario es una joya para esos efectos, ahora que incluso se está georeferenciando, si el gobierno necesita una base de datos de valores inmobiliarios lo usará. No puede usar otro, porque "hacer" otro censo inmobiliario desde cero sería una locura, y en España no se haría (no tenemos ni siquiera el mapa de viviendas del que habla Benditaliquidez, con lo fácil que sería).

Tocando el valor catastral modificas la financiación de multitud de impuestos y a todas las Administraciones Públicas (AGE, CCAA y EELL). Y eso se puede hacer desde Madrid. Creo que tarde o temprano se hará, a efectos recaudatorios.

Ya están trabajando en ello. Si viven en una zona más o menos deshabitada (o tienen una segunda residencia en un pueblo medio perdido -o no tan perdido-) habrán "sufrido" la actualización de los precios del catastro. En mi familia nos ha pasado con una casa de pueblo en Quintopinostán que tiene un valor significativamente más alto en el catastro que en la tasación oficial de Tinsa 

Tenemos todo el papeleo listo para reclamar, no vayan a sorprendernos con un nuevo impuesto basándose en el valor catastral actualizado y nos hagan pagar como si fueramos el Tio Gilito.

Es que el Catastro vale su peso en oro, en cuanto a registro administrativo de inmuebles, por los años que lleva existiendo y por su utilidad. Lleva confeccionándose desde 1750, con aquél Catastro de Ensenada.

Para meter en vereda al pisito es una herramienta vital, y sus aplicaciones son numerosas. Si obligas por ley a poner la referencia catastral de tu vivienda habitual en la declaración del IRPF, ¿Por qué no en el padrón de habitantes?, o en las licencias de ocupación (cédulas de habitabilidad), contratos de arrendamiento, contratos de suministros, etcétera.

Partiendo del catastro puedes tener toda la información relacionada del inmueble que quieras, te formas la mega base de datos inmobiliaria, y luego pues con el big data tienes toda la información que quieras, para aplicar las medidas que quieras y con poco margen de error.

[el malo]

‘This is going to sting’: What will mortgage chaos mean for homeowners and renters?

There has been further gloom for homeowners this week as banks reacted to signs of stubborn inflation by pulling mortgage deals and raising rates, while polling suggested nearly half of borrowers fear they will struggle with their housing re-payments within 12 months.

HSBC was expected to take the extraordinary step of raising its mortgage prices for the second time in a week, as speculation mounted over whether Rishi Sunak’s government could be forced to intervene to help homeowners feeling the pain of rising rates.

With markets betting on interest rates hitting nearly 6 per cent within months and government borrowing costs surpassing even the peak seen during Liz Truss’s mini-Budget meltdown, ministers urged banks this week to act to protect mortgage-holders struggling with repayments.

One expert told The Independent on Wednesday that the chaos was “going to sting a lot of people” and warned that renters will ultimately feel the greatest impact, despite predicting that banks “will fall over themselves to come up with ways not to repossess” people’s homes.

How much have mortgage rates risen by?

Homeowners have already faced stark rises in their bills, with recent Labour analysis claiming that typical interest repayments have risen by £150 per week – or £7,000 a year – since last September’s mini-Budget spooked markets.

With the Bank of England now expected to hike rates even more steeply than anticipated after inflation failed to fall as predicted last month, the Centre for Economics and Business Research think-tank (CEBR) now expects the the two-year 75 per cent loan-to-value mortgage rate to hit an average of 5.1 per cent in 2023.

Rates for fixed-rate home loans have surged by 0.5 per cent in the past few weeks alone, according to the analytics firm MoneyFacts. Those with a typical £200,000 mortgage on a 25-year term will now pay an average of £977 a month in interest, broker L&C Mortgages suggests.

According to Neal Hudson, an analyst at Built Place, today’s rates of nearly 6 per cent will cause the equivalent “stress” to homeowners as the double-digit interest rates of the 1980s, given that the amount borrowed is now far higher relative to people’s income.

Speaking to BBC Radio 4’s Today show, HSBC boss Ian Stuart said his bank believes “rates will probably increase a little bit more and will probably stay a little bit higher for longer” – and will not start to fall significantly “until inflation is much lower than it is today”.

What does it mean for people whose fixed-term deals are due to end?

Forecasting that around 2.6 million people are soon due to move from cheaper fixed-term deals, the CEBR believes those looking to renegotiate their deals over the next two years as a result will face an £8.7bn increase in their payments, with the worst rises in southeast England.

Mr Hudson told The Independent that “the big increase in interest rates will be concerning for those coming to the end of their fixed rate periods, of which there will be a large number given it’s two years after the SDLT holiday.

“If rates stay this high then borrowers will undoubtedly struggle, especially given the cost of living crisis. Hopefully inflation will ease quickly and [Bank of England base rate] won’t have to go as high as the market is currently suggesting.”

According to broker London Money, mortgage repayments for borrowers whose existing deals have come to an end are about 26 per cent a month higher on average, The Times reported.

Mr Stuart of HSBC said there was “no doubt that people are really having to rethink their personal finances”, adding: “If you've got an old rate as many will have of say 1.5 per cent and you're going to come off that rate and go onto something like 5 per cent, that is a big impact on your monthly budget.”

How could lenders react to rising rates?

With many homeowners confronting “the ice-cold reality of 2023 rates”, how banks react will be crucial. Buying agent and property expert Henry Pryor told The Independent that he believes lenders “want to be seen to be helping” their customers to avoid being seen as “villians” following the financial crisis.

Mr Pryor said: “Clearly existing mortgage holders – in particular those on fixed rate products – will experience a Wim Hof moment when the ice-cold reality of 2023 rates lands on their door mat or inbox.

“When they took out their two or five-year fixed mortgage they will have been stress-tested to check that they could afford rates up to 7 per cent even if they didn’t expect it to ever happen.

“I think most will cut back and economise to ensure that they continue to meet the higher payments, very few will want to experience repossession. For those who can’t lenders will fall over themselves to come up with ways not to repossess.

“They will extend 25 year mortgages to 30 or 35 years. They will move borrowers over to interest only payments for say 5 years – anything to avoid once again becoming the villains of the piece as they were in 2009 after the global financial crash.

“Banks have only just been welcomed back into polite society having been bailed out of their mess. This time they want to be seen to be helping where necessary even if they will still make a profit on their assistance.”

How will this affect renters?

Renters are also expected to bear the brunt of rising rates, with concerns that dwindling profits could see a mass departure of landlords and properties from the market – many of whom have already pushed up rents to cover their costs.

“Tenants will find their landlords looking pale if they have a mortgage as many buy-to-let investors do,” Mr Pryor said. “Most will try and charge more rent but it seems unlikely that tenants will be able to afford much more. Some will then sell up giving their tenant notice.

“This will add to the current demand for rental properties and push rents up further. Tenants can’t or shouldn’t borrow to pay their rent and some are going to find it harder than mortgage borrowers who can at least sell up and downsize.”

Warning that “this is going to sting a lot of people”, Mr Pryor predicted that many of those with a mortgage – amounting to around a third of households – “will see a drop back in their standard of living as they cut back to afford” it.

However, “we will doubtless see the biggest impact” in the private rental sector, including homelessness for some of the roughly four million people who rent their homes, Mr Pryor warned.

Will the government intervene?

With concerns having grown in recent days, speculation has increased over whether the government could step in to help homeowners.

New Statesman senior editor George Eaton said he “would not be surprised if the government ends up subsidising mortgages”, while the Daily Telegraph’s money advice editor Sam Brodbeck suggested it “feels like the [government] will be intervening sooner rather than later”.

While the strongest remarks from Downing Street were merely to say that it expected mortgage lenders to protect homeowners struggling with rate rises, housing minister Rachel Maclean appeared to claim on a BBC panel show that “a mortgage support scheme” is in the pipeline – but failed to provide any details.

What can people do to stay on top of payments?

Polling by YouGov for The Times this week found that 30 per cent of borrowers already find it “difficult” to pay their mortgage, with 46 per cent expecting that to be the case in 12 months’ time.

There are a number of steps that people may be able to take to ease their mortgage repayments, such as: switching to interest-only deals, which means your capital balance will remain unpaid; seeking to extend their mortgage term if possible; seeking a ‘consent to let’ agreement from their lender to rent out their property; or seeking to use an offset mortgage to reduce interest payments.

Hace un par de semanas la portada de un diario gratuíto de esos que te dan en el metro era algo así como "4 billion in mortages time bomb". Aquí a muchos ya les están entrando sudores frios con el tema.

Hasta el impresentable de Sunak le ha "ordenado" a los bancos que "hagan algo" (un aplauso por el libre mercado inglés).

Lem, me ha encantado el último párrafo. Las propuestas son a cuál mejor. Si ves que no puedes pagar, cambia la hipoteca para pagar sólo intereses  , amplia el plazo  , pide permiso para poder alquilar  (esta es buenísima si es tu primera vivienda) o amortiza capital 

Me recuerda al "chiste"

- Estoy triste
- Aaay, no estés triste
- Oh gracias por el consejo, ¿cómo no se me había ocurrido a mí antes? ¡Ya no estoy triste!

Pues igual pero pagando £700-800-900 libras más al mes de hipoteca

[JENOFONTE10]

¿PASTEURIZACIÓN O REDUCCIÓN DE CALDO PROLONGADA?

Comparecencia de C. Lagarde BCE, en directo, hace unos minutos:
https://www.youtube.com/watch?v=npm9Um0VV3A

Lagarde advierte del peligro de la caída del sector inmobiliario, que empeoraría con mas paro o tipos mas altos

N. B.:

Reducir, (DRAE):
[....]
9. tr. Someter o dominar por la fuerza a alguien o algo que ofrece resistencia.
10. tr. Persuadir o atraer a alguien con razones y argumentos.
11. tr. En culinaria, hervir un líquido para que se concentre.
[...]

 Saludos.

[saturno]

https://www.independent.co.uk/news/uk/home-news/rishi-sunak-mortgage-rates-calcualtor-b2357329.html

‘This is going to sting’: What will mortgage chaos mean for homeowners and renters?

[el malo]

Yo no entiendo nada. Lagarde haciendo lo que se espera pero el euribor (que ya debía haber descontado la subida) ni se entera y ya está por debajo del tipo de interés oficial. Pensaba que los bancos tendrían tantísima liquidez que ni se fijan en el tipo del BCE, pero me he metido por curiosidad a mirar la M3 de la zona euro y veo que va para abajo (no mucho, pero hacia abajo).

¿Tantísima liquidez embalsada hay que el interbancario se conforma con fingir que sigue el tipo de interés del BCE? ¿Aguante de respiración? (buena suerte, Lagarde ya ha dicho que no está contenta con la inflación y que esperemos más)

Como no veamos el euribor pegando un salto en las próximas semanas Lagarde es capaz de cabrearse y cascarnos medio punto en julio, aprovechando que la gente está de vacaciones.

[Lem]

https://www.independent.co.uk/news/uk/home-news/rishi-sunak-mortgage-rates-calcualtor-b2357329.html

‘This is going to sting’: What will mortgage chaos mean for homeowners and renters?

gracias Saturno. no se que pasó, al enviar no me añadió el enlace.