Still effect loans on the property market
The giant of Italian residential real estate, Gabetti, is forced to revise its strategies for developing and consolidating the territory as a direct consequence of the so-called impact loans.
A cut of more than 300 total employees of 670 (-45%) and the market immediately reacts with a discount of 2.41%.
The Ceo of Gabetti Ugo Giordano aims to franchise the whole network of agencies regarding the franchise system more at the expense of 102 heads of agencies that property within 18 months will give space to the new course.
Obviously such a significant turn can only be a direct consequence of the financial crisis and real estate.
According to the Gabetti Property Solutions "the franchise model has a structure of costs and revenues more stable and is less exposed to cyclical developments in economic and market reference.
This figure cannot be seen simply as a strategic review of business plan but appears to be yet another wake-up call sounded by the market.
The aftermath of the "Collapse loans" will hear the train again for their time.
Gabetti know, the reorganization is done.
The solid Italian banks
In these days the stock market is falling and negative marking records, never seen before.
The crisis has arrived from the United States and has unfortunately begun to affect European banks.
And now the city is a legitimate question: "Can I trust my bank?", "We are sure that not fail?".
Both are fine questions.
To hear the politicians of our banks have their backs covered, but if you knew that the system is that you say collapse? Creereste total panic?
Surely we all know how the banks are scrupulous in investing that money and rarely lose money.
Who would have thought that perhaps we should thank the Italian banking system for bank safety?
And it is true!
If the events will take place in the most simple and without problems, we have to thank that very system that so much hate, that allows banks to self sometimes even by violating the rules and tightening strong in his hands the debtor.
If you can borrow, I said monitored
A new program allows the university to know the maximum expenditure that can deal for the period we are living.
For each person the software created by University of Rome for Assofin will have as a result the maximum credit that can get in order to pay off without the "stay with the water to the throat."
The software is well designed and has an important behind.
I cannot pay the mortgage because it is hard to calculate what the highest capacity credit for a refund is.
The application in question should help us understand.
Surely such a program will help the calculations, but unfortunately the economic crises of the variables are always difficult to predict, sometimes good and sometimes bad.
We hope that the next will be positive.
Last month the contributions for the first house in Milan
Take in November last month for access to the contributions first house in Milan.
For the year 2008 the Milanese municipality has provided some relief for the renovation or purchase of a first home.
The time limit for access to this fund is about to expire (1 December), we do not know yet if there will be a renewal of this fund, and decide soon on a homeowner to use the facility.
Here are the categories that can access this fund.
In May participate in the following categories of families long resident in the property subject of the request for assistance
• YOUNG COUPLES: Components of the opposite sex and younger than 40 years,
should have married in the period from 1 October 2007 and June 30 2009;
• SOLE pregnant: pregnant woman of the first Council, which is devoid of single or spouse for legal separation without cohabitation, to divorce or death;
• ONLY ONE PARENT WITH CHILDREN OR MORE DEPENDENT CHILDREN:
father or mother with one or more the dependent children, which is an unmarried or with no spouse for legal separation without cohabitation, to divorce or death. This category includes unions.
• FAMILY NUCLEI WITH AT LEAST THREE CHILDREN: Parents are joined by bond of marriage with three or more children the dependents.
Furthermore, in order to participate in the call, you must have:
• CITIZENSHIP: be Italian citizens or EU citizens or with non-EU residence card or residence permit at least biennial regular work or self-employed;
• OTHER FACILITIES: have not received other benefits for the same functionality provided by this call;
• Pregnant SUN: existence of the condition of pregnant women as of December 1
2008 inclusive, to be followed after the birth of the child;
• LAND: no need to have another "appropriate accommodation" in the territory region of Lombardy. An "adequate" means an accommodation with a number residential premises that are the number of persons in family interested in the announcement (excluding the kitchen, cooking corner, the toilets, the storage) or an accommodation with five or more premises.
• SUITABLE FAMILY: To be eligible, the core family must have an index of Equivalent Economic Situation (ISEE) not exceeding € 30,000.00, calculated on the income and assets held in 2007.
A link is a short but clear brochure that will satisfy your doubts.
The mortgage crisis those in recent months has affected the whole Europe and overseas, has rightly discouraged buying real estate, but if you must inevitably make the purchase, the benefits are certainly not to lose to "amortize" the difficulties of period.
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