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signals of lower property prices are increasing purchasing power

according to several articles Press reports this week, the first "real" signals a persistent fall of real estate have emerged.

For several days the big agency networks will go their prognosis. Laforet and the network predicted a decline of 15% by 2 years.

However, these ads are relative: in the first quarter of 2008, prices in Paris and its suburbs have increased. But, according to Insee, the prices are still trying to stabilize.

Regarding the province, the decline is real this time. Potential buyers hesitate to make offers up to 10% cheaper than the advertised price. These prospective buyers would be wrong not to play the negotiations: it runs to 89 days between the sale and the signing of a compromise (75 days in 2007), and all this with a decline of 10% of transactions. Those who are eager to sell, no longer have much choice ...

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" real estate "up

Finally some good news, the purchasing power of "real" progress since the first months of 2008.

In fact, the result of a combination of several factors:

- settlement interest rate loans (4, 60% fixed over 15 years, no increase or decrease in sight)

- slowdown of rising prices (down 1% on the first three months of 2008 but still up 2.1% last year).

- opportunity last year to deduct a portion of loan interest tax (this helps to lower the lending rates to 0.4%: 4.60% -0.4% = 4 , 20% => This is a good rate)


These three factors led to a decline in the monthly payment for the same credit as compared to January 2008, this decline is 2.6%.

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Estate: the slight price increase (April 2008)

In April, rising prices in the former was 0.4%, according Fnaim. No "sudden drop" in the property sector, much less a crisis, but this rebound could be short-lived. In the coming months, the trend should be to lower prices because of a pending application.

The property sector shows signs of recovery after the first quarter. On April the price increases in the former was strong for homes (1, 3%) and almost zero for apartments (-0.1%).

The total price of the old rose 0.4% in April, indicating that the market "does not begin to decline brutal." If prices fell 1% over the last three months they are still largely positive over the last twelve months (+2.1%).

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Rise Real Estate in Belgium

While the U.S. housing crisis are in full, as France, Spain and England there is the question of whether there will be a crash or not, real estate is at the Belgian increase (+10% for the year 2007).

two reasons for this increase Moderate:

- the relatively low interest rates have allowed some households to become homeowners. They were able to do even more easily as they have extended the period of repayment. The average refund is in effect from 20 to 25 years.

- Belgium, bankers are more down-to-earth, and it is always the famous rule-third of your monthly income to repay that plays your mortgage. It's actually very down-to-earth, but it averted a financial crisis.