А цены-то падают :)

[D_IRL]

Да есть закон, что нельзя продавать дешевле, чем сам купил - но это для бизнеса и имеется ряд исключений....

Если дом - приобретен для сдачи в аренду, это тоже для бизнеса...
Какой смысл его иметь, если на этом терять деньги?
Так что (газета пишет!) повышение рент/квартплат будет следующим необходимым шагом в отношении убыточных теперь домов и квартир - инвестиций.


Не спрашивайте источник, я не запоминаю номера указов и постановлений - они мне ни к чему, просто читаю прессу и кое-что вроде бы помню.

Если вы привозите для продажи любые товары, вы не имеете права продавать их дешевле, чем они вам самим обошлись.
Исключение, если товары простояли для продажи не менее месяца и они не продаются, тогда вы можете снижать цены, в том числе и ниже себестоимости.

Исключение сделано в прошлом году только для продуктов - то есть нельзя было продавать дешевле себестоимости с целью защиты мелких магазиновж крупные могли/могут снизить цены на 1-2+ товара ниже себестоимости для привлечения покупателей, но покупатель попутно покупает кучу других продуктов и магазин (крупный) ничего не теряеет.
Мелкий магазин - не может скинуть цену на что-либо ниже себестоимости, для привлечения покупателей, так как прогорит.

Отменили это в 2006 - и что-нибудь поменялось? Хотя по их статистике в общем цены снизились там на вроде-бы 1-1,5% в общем (на продукты). Практически - незаметно, заметнее, что на многое цены возрасли.

[vdc]

Сообщение от D_IRL

Да есть закон, что нельзя продавать дешевле, чем сам купил - но это для бизнеса и имеется ряд исключений....

Если дом - приобретен для сдачи в аренду, это тоже для бизнеса...

Вопрос спорный - если приобретен юридическим лицом(типа инвестфонда), то вполне может быть, но как я понимаю на частников это не распространяется

[MS]

Сообщение от Gegemon

То есть я так понял, что подавляющее большинство бездомных ирландцев и значительная часть присутствующих на форуме и не имеющих пока собсвенного жилья имеют свободных 80 тысяч в банке для уменьшения ЛТВ:шоцк:
"Как выросло благосостояние советского народа!" (С)

А откуда у вас такая информация? Поделитесь источником пожалуйста

[Gegemon]

Сообщение от MS

А откуда у вас такая информация? Поделитесь источником пожалуйста

Вот из этого сообщения - других источников у меня нет , а я привык верить людям

Сообщение от MS

по поводу 1800 моргиджа явно провокация. покупаем дом, 400К ЛТВ 80% т.е. 320К кредита. 5.25% -> 16.8К -> После такс релифа 13.44К или 1,120 евро в месяц.

[Mithrilian]

Исключение, если товары простояли для продажи не менее месяца и они не продаются, тогда вы можете снижать цены, в том числе и ниже себестоимости.

--

ну нормально, никто не будет покупать дом по высокой цене и через месяц цену снизят.

[SPDAY]

House prices down 2.6pc in first half

National house prices in Ireland declined by 2.6pc in the first
six months of 2007, according to the latest edition of the
permanent tsb / ESRI House Price Index.

The index - published today - measures the movement of house
prices over the first six months of the year

In June, the index records that the average price paid for a house
in Ireland in June was E1,561 less than that paid the previous
month, a decline in national prices of 0.5pc for the month.

Measured over the past 12 months (up to and including June), the
average national price paid for a house in Ireland was just 0.9pc
higher in June 2007 than the price paid in June 2006

The average price paid for a house nationally in June 2007 was
E302,605, compared with E310,632 in December 2006.

Meanwhile, Dublin house prices declined by 1.3pc in June while
there was a reduction in prices of 0.9pc for houses bought outside
Dublin

However, in the 12 months to the end of June 2007, house prices in
Dublin grew by 4.1pc. Outside Dublin they declined by 0.4pc over
the same period.

[Gegemon]

Interest rates up: house prices down
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Go Saturday August 11 2007


HOMEOWNERS hit by rising mortgage interest rates are paying out hundreds of extra euro - while properties have dropped in value by more than ?8,000 in six months.


The latest Permanent TSB/ERSI House Price Index, published yesterday, confirms that house prices have fallen, for the first time since 2001, by 2.6pc. The average price of a home now stands at ?302,605 - but prices fell by 0.5pc, or ?1,561, in June alone.

The drop comes as hard-pressed homeowners brace themselves for the ninth interest rate hike in less than two years - expected at the end of next month.

Permanent TSB spokesman Niall O'Grady said that, following a "decade of exceptional growth", the latest figures confirmed that the nationwide drop in prices had become "a reality".

The figures show a steady reduction in house prices this year - they fell by 0.8pc in May and April and 0.6pc in March.

The average price paid for a house nationally in June was ?302,605, compared with ?310,632 last December. In the 12 months between June 2006 and June 2007, house prices rose by just 0.9pc.

http://www.independent.ie/national-n...n-1056666.html

[Gegemon]

http://www.independent.ie/business/i...s-1057521.html
http://www.independent.ie/business/i...s-1057521.html
By Laura Noonan
Monday August 13 2007


THE latest construction index shows a drop in activity which should prevent a sharp fall in property prices, a leading economist has said.


Today's Ulster Bank construction index shows a moderate reduction in activity in July, following a steeper reduction in June.

The index also found that construction firms expressed negative sentiment in the market for the first time in four years.

But Ulster Bank economist Pat McArdle stressed that the index was not bad news for the property market.

"The speed of declining output leaves the industry well positioned for a recovery," he said.

"Price is governed by supply and demand, demand for housing went down because of interest rates, now we see the industry cutting back really quickly, which should see us achieve normality more quickly than otherwise and and which should prevent more dramatic price falls."

Ulster Bank's index, known as the PMI, uses 50 as the deciding point between growth and decline.

In June, overall construction activity came in at 46.8, by July this had risen to 47.5.

Both commercial and civil engineering came in above the 50 mark for July, with commercial weighing in at 52.7 and civil engineering recording 51.6, while house building returned 33.8.

The sentiment figures are "just barely dipping into the negative," Mr McArdle said, but historically they have often been in the sixties.

"I don't think it's that significant," he said. "It's been a month of a lot of bad news, with a lot economists marking down their growth predictions, and lots of talk about cutbacks, so it would be surprising if sentiment hadn't been affected."

Ulster Bank's index also found that new order levels at Irish constructors declined "at a moderate pace" last month, with firms linking this to a weaker demand for housing and planning delays.

The PMI also found that staffing levels in July had fallen by their sharpest level in four years, but he said this was linked to seasonal holidays in July. Meanwhile, the cost of construction continues to rise, though at a lower rate.

"The cost rises are still quite strong, but they're a long way down from their highs, and that's another sign that the pressure is easing off," said Mr McArdle.

"For the last five years we were talking about excess growth pricing young people out of the market, and that was bad; now property prices are falling by 2 or 3pc and that's bad too.

"But really this is the most orderly slowdown we could hope for."

- Laura Noonan

[vdc]

http://scripts.ireland.com/polls/bre...56&pollid=7924

[Gegemon]

http://www.independent.ie/business/f...s-1058995.html
Здесь написали что interest rate может перестать расти.
http://www.independent.ie/business/a...c-1058993.html
А здесь пишут что домов будут меньше строить
А в сумме это все может дать стабилизацию, а глядишь и снова рост цен.

[vdc]

да - но доступность кредитов будет снижаться, поэтому народ не будет способен платить больше

[dnk]

Прошло полгода с открытия темы. А цены все падали и падали... 100 раз уже говорено, не будет никакого падения пока экономика в порядке более менее. Максимум отползание в отдельных раёнах и максимум %5.

[Korvin]

Сообщение от vdc

да - но доступность кредитов будет снижаться...

Hi.
почему?
Ведь если interest rate стоит на месте, а зарпплаты поднимают вслед за инфляцией, кредиты не должны стать менее доступпными, разве не так?

[vdc]

Сообщение от Korvin

Hi.
почему?
Ведь если interest rate стоит на месте, а зарпплаты поднимают вслед за инфляцией, кредиты не должны стать менее доступпными, разве не так?

Это верно - но в статье написано что банки будут делать стресс тест не на 2, а на 3 процента, плюс максимальная сумма выдачи может вернуться к трем доходам и 94% от стоимости покупки.

[SPDAY]

Rents hit a new high but growth slows

Average rents across the country hit a new all-time-high in June,
property website Daft.ie said today.

The average rent nationwide now stands at E1,372, just over E100
or 9pc more than this time last year, the report said

While a growth rate of 9pc is still well above the average rate of
inflation in the wider economy, the rate of growth in rents is
slowing down. At the time of the last rental report 3 months ago,
the rate of rental inflation was 11.9pc, Daft said

In most areas in Dublin, rents now are between 8pc and 12pc higher
now than 12 months ago

In Dublin's commuter towns, though, rents now - at just over
E1,100 on average - are more or less the same as this time last
year.

While larger properties, including three and four-bedroom
properties have seen their rents go up, rents have fallen for
smaller properties in Dublin's commuter towns, especially
one-bedroom properties, Daft said

Rent inflation in Ireland's other cities have also cooled, most
noticeably in Limerick where inflation has fallen from 12.3pc
earlier this year to 7.3pc in July. The average rent in the town
now stands at E885

In Cork, which like Limerick had double-digit inflation earlier
in the year, inflation has fallen but only slightly, and remains
at 10.1pc. The average rent in the city is just over E1,150

The average rent in Galway is now above E1,000, while rent
inflation currently stands at 8.3pc, a slight fall compared to the
rate of inflation in early 2007

.In Waterford, where inflation had been lowest among the cities,
rents are now almost static in year-on-year terms. The average
rent in Waterford city is now E805, just 2.3pc more than at this
point last year

Outside the major urban areas, inflation in rents now stands at
between 6pc and 8pc on average.

Relating current developments in the rental market to the fortunes
of Ireland's property markets more generally, Ronan Lyons said:
"Overall, rental inflation looks to have peaked - and more than
likely, so have rents, as the bounds of tenants' ability to pay
have been reached.

"With interest rates back at normal levels, demand has contracted
and people are looking very closely at what they can afford. With
housing completions at record levels and more second-hand
properties for sale now on Daft than ever before, there has never
been greater competition among sellers for buyers' attention.
Therefore, static house prices are to be expected and, given rates
of inflation generally, falls in real house prices are on the
cards for 2007 and possibly 2008. In the long run, though, this is
perfectly normal behaviour, as the market looks to correct the
yield."