Дискусия за балона на НИ у нас и в чужбина

[експерт-строител]

Задава ли се крeдитна криза в Румъния

Оценителите на имоти често вземат подкуп, за да опишат по-висока стойност, което позволява на кредитоискателя да вземе повече пари. Много от търсещите пари от банките крият вече взети кредити, за да изглеждат по-платежоспособни.

"Когато се раздават кредити с такова темпо - ръст от 40-50% на година - е много трудно да се направи оценка на състоянието", обяснява местният представител на МВФ Кристоф Розенберг.

"В масова практика се е превърнало хората да мамят със справките за заплатите си - същото, което видяхме в ипотечната криза в Америка", допълва той.
http://dnevnik.bg/show/?storyid=392974

[експерт-строител]

Рисковите ипотечни кредити взеха главата на шефа на "Мерил Линч".
Банката загуби $2,24 млрд. и активи за $8 млрд.
http://standartnews.com/bg/article.p...article=209341

[toto]

Пробват жилища на намалени цени
Засиленото предлагане на ново строителство и нарастващата конкуренция между предприемачите в София започва да дава отражение върху цените
http://www.24chasa.bg/

ИИ това на ПЪРВА страница ве!

брокерчетата май преди коледа ще подхванат новата песен ...

[Bouns]

Тази статия в часовете да не вземе да светне щастливите собственици на НИ у нас, че цените могат и да падат ......

[експерт-строител]

Пробват жилища на намалени цени
Засиленото предлагане на ново строителство и нарастващата конкуренция между предприемачите в София започва да дава отражение върху цените
http://www.24chasa.bg/

[karakondjul]

NEW YORK (Reuters) - The decline in prices of existing single-family homes accelerated in August and fell at their fastest pace since 1991, according to the Standard & Poor's/Case Shiller national home price index.
ADVERTISEMENT

S&P said its composite month-over-month index of 10 major metropolitan areas declined 0.8 percent in August to 214.35, for a 5 percent year-over-year drop, S&P said in a statement on Tuesday.

[rex]

Това е любопитно

Simon Tweddle, chief analyst with Property Secrets, has said those areas are "completely over-supplied" and claimed thousands of apartments cannot be sold on but are not being rented out.

"[They] are not an investment location at all, in my book. You'll probably end up losing your shirt if you invest there," he warned.

He claimed the boom had been created "out of nothing", fuelled by commission-driven agents.

+1

[rex]

Това е любопитно
"He claimed the boom had been created "out of nothing", fuelled by commission-driven agents.

150 дрипави агентчета без работа! хехехе, а това е само началото :roll: сега трябва ли да се обяснява защо и от къде толкова спамери във форумите? :lol:

+1

[Heraclitus]

Bulgaria’s credit growth rate nose-dives

Идва времето на контракциите и разбира се на конвилсиите.

Му ха ха хаааааа

29 October 2007 | 02:02 | FOCUS News Agency

Sofia. The lending growth pace in September stands at BGN 203.7 million or three times below what it used to be back in August this year, as BNB data shows.
This bumper decrease is calculated on the basis of both extended and refunded debts. Financial experts believe the current downturn occurred as a result of the central bank’s measures targeting lending cool down and the subsequent rise in both interest rates and fees that commercial banks in Bulgaria charge.
This lending slowdown has been most tangible in the consumer debt segment, where growth rate statistics run up to nearly BGN 12.2 billion in end-September, Express Daily inform.

http://www.focus-fen.net/?id=n125644

ДЕ ГО ОНЯ МАКРОСПЕЦИАЛИСТА - АФТЪРА

дето викаше първо - лихвите ще падат в БГ по кредитите, после ревеше като нвол как имотите ще се качват. "оле колко мъка има по тоя свят оле." казал афтъра и......му описали апартамента.

а тея за МЗР дето не действувал да ги пее на баламурниците.


а тука нещо дето провителството е обещало на МВФ през март:


.........


Sofia, Bulgaria, 1 March, 2007
Mr. Rodrigo de Rato
Managing Director
International Monetary Fund
Washington, D.C. 20431
USA


Dear Mr. de Rato,
1. The program supported by the precautionary Stand-by Arrangement (SBA) has
produced tangible results: strong and steady economic growth accompanied by moderate
inflation, falling unemployment and sustained external competitiveness. These achievements,
aided by a favorable international environment, can be traced to the fiscal and incomes
policies that have been anchored in the currency board arrangement, and to the structural
reforms that have helped to modernize the economy and enhance its flexibility. Bulgaria is in
turn better prepared to benefit from its accession to the European Union on January 1, 2007.
At the same time, our policy framework and macroeconomic stability have faced significant
challenges with the onset of rapid bank credit growth and large external imbalances.
2. Performance under the program has been good, with a few exceptions. Although the
ceiling on central government arrears at end-June, for which a waiver of applicability had
been granted, was breached by a small margin, all quantitative performance criteria for end-
September and end-December were met. The structural reform agenda experienced delays or
weakened implementation in some cases, but we do not believe these are of significant
macroeconomic consequence. We request a waiver for non-observance of two structural
performance criteria:
• The October 31, 2006 selection of the winning bid for the purchase of the Ruse
District Heating plant. The winning bidder was selected on December 7, 2006.
• The start-up of operations of the new electronic business registry, which is now set
for July 1, 2007. A detailed action plan to ensure implementation is being executed,
however, and promulgation of operational regulations for the registry and the signing
of all critical IT contracts are prior actions for completion of the fourth review.
3. Fiscal policy remains key to maintaining macroeconomic stability and reducing
vulnerabilities. Indeed, although rooted in a largely investment-driven private sector savinginvestment
imbalance, the rapid widening of the current account deficit warrants a cautious
stance. At the same time, the net official financial flows to Bulgaria are large and, if fully
accommodated, would result in a significant fiscal impulse in 2007. The approved 2007
budget aims to achieve a surplus of 2 percent of GDP compared to about 3Ѕ percent of
GDP in 2006. In view of the recent further widening of the current account deficit, the
government also commits to achieving additional net savings of at least BGN 150 million
(0.3 percent of GDP), preferably via cuts in non-interest current spending.
4. The government aims to overshoot the 2.3 percent target as economic conditions
permit. In any event, the government stands ready to invoke contingency measures should
unambiguous signs of over-heating become evident. In the event the current account deficit
during the first half of 2007 deteriorates significantly relative to the end-2006 outcome, the
government will save at least 90 percent of general government tax revenue collections
exceeding amounts needed to ensure a full-year general government budget surplus of
2.3 percent of GDP. In the absence of revenue over-performance, the government will
identify specific cuts in non-interest spending or, barring the latter, increase the rate of
sequestration of discretionary spending.
5. In completing the final review under the SBA, we reaffirm Bulgaria’s commitment to
the sound macroeconomic policies and sustained structural reforms needed to support the
currency board arrangement. Against the backdrop of sustained high current account deficits
and rising private external debt, we recognize the need to maintain a cautious stance of fiscal
policy over the medium term. To guard against risks to the financial system of rapid credit
growth that might accompany EU accession, we plan to continue to strengthen our bank and
non-bank supervisory capacity.
6. In requesting completion of the fourth and final review under the SBA, we confirm
that we do not intend to seek a successor arrangement. We reaffirm our intention not to make
the purchases under the SBA that will become available upon completion of the fourth
review. In addition, we are giving consideration to making a further early repayment to the
IMF during 2007.
7. Finally, we wish to thank the Fund for its support in helping to restore financial
stability and sustained growth in Bulgaria following the serious crisis of the mid-1990s. We
look forward to future Fund advice through the Article IV consultation process and technical
assistance.

[karakondjul]

karakondjul, само да вметна - писанията на Oxford Business Group се списват всъщност от Елана. Не че има връзка

Много умесна забележка, не бях наясно, благо!

Какво ще кажеш за свиването на кредитирането? Хехе, дали няма връзка с новите лихвички?

[karakondjul]

Bulgaria’s credit growth rate nose-dives

Идва времето на контракциите и разбира се на конвилсиите.

Му ха ха хаааааа

29 October 2007 | 02:02 | FOCUS News Agency

Sofia. The lending growth pace in September stands at BGN 203.7 million or three times below what it used to be back in August this year, as BNB data shows.
This bumper decrease is calculated on the basis of both extended and refunded debts. Financial experts believe the current downturn occurred as a result of the central bank’s measures targeting lending cool down and the subsequent rise in both interest rates and fees that commercial banks in Bulgaria charge.
This lending slowdown has been most tangible in the consumer debt segment, where growth rate statistics run up to nearly BGN 12.2 billion in end-September, Express Daily inform.

http://www.focus-fen.net/?id=n125644

[Earthquake]

karakondjul, само да вметна - писанията на Oxford Business Group се списват всъщност от Елана. Не че има връзка

[karakondjul]

10% инфлация и 10% кредит -20% и после защо опищяват форума печелбарите ))

Oxford Business Group Forecasts 10% Inflation in Bulgaria

30 October 2007, Tuesday

Consumer price inflation in Bulgaria is expected to reach 10% this year, while real GDP growth will remain high at 6,4%, analysts from the Oxford Business Group said on Tuesday.

http://www.novinite.com/view_news.php?id=86983

[Heraclitus]

imot.bg 201 905 обяви!!!


Очевидно продаването става все по-сложно

Естествено, след като една обява може да се повтори и по 100 пъти!

Няма обаче данните за обявите купува. Те не се пускат онлайн. Но явно поскъпването продължава именно заради все така голямото търсене.... Пазар, нищо не можеш да направиш против пазара

таралянко - що ще повтарят обявата по 100 пъти ако се продава като топълхляб ве ОВЦО ... или по-скоро НЯМАТ РАБОТА и цъкат пред компютъра по цял ден обяви /ако не пишат по форумите глупости/

ей не им омръзна да повтарят като папагли еднио и също, добре че не чета често

тото и аз му казах на тоя ВС=Афтър дарк с псих. оклонения дето сам със себе си събеседва да вземе да се прегледа да се лекува , но явно е много болен.

[toto]

imot.bg 201 905 обяви!!!


Очевидно продаването става все по-сложно

Естествено, след като една обява може да се повтори и по 100 пъти!

Няма обаче данните за обявите купува. Те не се пускат онлайн. Но явно поскъпването продължава именно заради все така голямото търсене.... Пазар, нищо не можеш да направиш против пазара

таралянко - що ще повтарят обявата по 100 пъти ако се продава като топълхляб ве ОВЦО ... или по-скоро НЯМАТ РАБОТА и цъкат пред компютъра по цял ден обяви /ако не пишат по форумите глупости/

ей не им омръзна да повтарят като папагли еднио и също, добре че не чета често