CBN radio interview with Mr. Jean Michel Galiano
CBN radio interview with Mr. Jean Michel Galiano
The Brazilian Association of Savings and Loan (Abecip) showed an increase of U.S. $ 12.5 billion for the acquisition of real estate in the first two months of 2013. This evaluation demonstrates a high of 15.7% compared with the same period last year.
Only in February, 29,300 units were financed by fostering an amount of loans totaling U.S. $ 5.8 billion, an increase of 13.8% compared to the same period in 2012. This shows that the demand will delay the fall in the value of real estate, now scheduled for the beginning of the year.
The General Price Index - Market (IGP-M) slowed to 0.21% in March compared with a high of 0.29% recorded in February, informed the Fundação Getulio Vargas (FGV). The indicator is used to fix prices donates rents.
The IGP-M March was below the median predicted by houses heard by AE Projections of +0.30%, but within the expected range of +0.16% to +0.40%.
Among the three indicators that make up the IGP-M, IPA-M rose 0.01% in March, after an increase of 0.21% in the previous month. The CPI-M ranged 0.72%, against an increase of 0.30% in February. Already INCC-M advanced 0.28% in March, after rising 0.80%.
Operations directed credit for housing in the individual segment grew 2.0% in February from January, totaling R $ 266.491 billion. The information was released Tuesday by the Central Bank.
Over 12 months, the expansion of this type of credit is 34.3%. The total value of the mortgage, U.S. $ 239.582 billion refer to loans with rates regulated by the government and U.S. $ 26.909 billion at market rates.
The BC failed to incorporate these data operations with free credit, claiming that they are residual. Transactions with market grew by 2.3% in February and 34.1% in 12 months.
Before you even buy a property is natural to focus on decoration, but many people forget to plan the amounts that will be spent on the item. As a result, many can extrapolate finances and undermine family planning.
Thinking about it, the real estate portal Property Agent gave some tips for the owners to decorate the property and leave it as dreamed, without weighing the pocket. Check out:
Some people prefer to set the budget over time, but when it comes to money, it is recommended not to use this method. To decorate the new house is necessary, first of all, plan. Review the family budget and try to set a value to spend on each room, this will help avoid compromising other expenses necessary in everyday life.
After purchasing the house itself, many people begin to think about the purchase of the second property. Whether for investment or pleasure - in the field or on the beach - the purchase of a second home through financing has to be well planned to avoid debts that can evolve, culminating in the loss to the estate. Although interest rates are lower and easy payment terms, you can not take chances and liabilities in any situation. Experts point: the right time to buy a second property is the total discharge from the first.
The President of Caixa Economica Federal, Jorge Hereda, defended on Wednesday, 20, raising the limit to purchase real estate with the FGTS, which is £ 500,000. "Caixa think it is important that we review yes. The potential for mortgage lending in Brazil is very large, can reach 10% of GDP in short time. It is important to have incentive to do so. Minister Guido Mantega talked to banks and leading this discussion, "he said.
There is expectation that the limit be raised from £ 500,000 to £ 750,000.
Supply and higher prices under settings. Given this situation, it is time for the investor who acquires property with rental income targeting panning good opportunities. Who says it is the real estate investment consultant Ricardo Reis, after evaluating recent research of the property market in Curitiba. "The first moment of pent-up demand has been met. We are in another phase. Maintaining levels of employment, low interest rates and credit market, buyers continue to seek real estate, but are more demanding, choosing the best product. "
Every ad, a sentence. Advertisements from real estate often indicate which area private unit for sale. But the announcement also could bring the total area. In this difference lies the confusion. Both terms indicate different things: private area corresponds to the footage of the rooms that only the resident will use. Total area is the sum of the private area with a proportional fraction of each common area of the building. Already floor area is what remains of the private discounting the space occupied by walls.
For every ten people who got a mortgage in CEF last year, six used only proof of income and bought the property alone-ie, without the participation of the parent or spouse.
The number of participants 'solitary' has grown over the years-in 2000, 57% of loans were granted to more than one borrower, according to the Box.
The study by Box, which accounts for 75% of housing loans in the country, shows that there is increasing income borrowers with less than three minimum wages: in 2003 were 21% and last year was 32%. On the other hand, a reduction in the share of those who earn minimum of three to six-ten years were 47% and now account for 36%.