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England real estate
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 • House for sale in england
To become owner today, it is to better be exaggeratedly rich or terribly poor. Whereas the real estate flames everywhere in France, pushing back more and more far from the downtown areas the modest families and those resulting from the middle-classes, two initiatives come to encourage the possibility of home-ownership of the households with low-incomes.
By entitling its bill, submitted to the Parliament from here to two or three weeks, Property for all, Gilles de Robien, Minister for Housing, wanted to stick to the aspiration majority of the French.
A wish which appears less and less realizable for most modest, since, according to a study of INSEE, the situation has been degraded for fifteen years: the number of owners among the 2,8 million households to the incomes lower than 7.300€ annual thus passed from 36% in 1988 to 28% in 2002.
The government decided to help these families to buy the HLM which they occupy, at prices adapted to finances of the future purchasers, therefore lower than those of the market.
A rebate is also envisaged according to the time of occupation. The idea is not new, since a law had already been enacted in 1994, but the number of transfers forever exceeded 4.000 per annum out of 40 million social housing.
In order to reach 40.000 annual sales, Gilles de Robien at the same time hopes to play the constraint with the social lessors, summoned to propose every five years 10% of their park, and the security for these fragile households.
For the minister, these operations will not deprive too the social housing, since in any event the majority of the occupants remain in their HLM until their death. Especially, it is a means of releasing from the funds to build more social housing. The project however raises difficulties.
Initially, because the tenants will want to buy the most recent residences and best located, precisely those which organizations HLM wish to keep. Then, the massive sale could accelerate the impoverishment of the park, those who would remain tenants representing the most precarious population.
The risk should not be eliminated, fears Dominique Dujols, of the Social union for the habitat, “that these ex-HLM becomes degraded joint ownerships”, transforming the dream of these owners into nightmare.
It is not this type of shelf which watches for the mayor of Paris. With its loan atrate zero widened - 22.000€ for a single person and 36.000€ for a family - Bertrand Delanoë wants to also give him a nudge in the right direction to the social accession. But this gift seems ridiculous in a market in overheating and will not prevent the escape of the families towards the Parisian periphery.
Actually, none of these measurements is sufficient to regulate the crisis which a country passes through where the problem is not any more to know if it is preferable to be owner or tenant, but if it is possible to find a roof…
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At the end of the years 1990, the values flamed
Longères in the Pole with 450.000€, of the Norman manors with 1 million or of great fields on the Riviera to 10 million… The “green paradises”, expensive at Jean-Didier Urbain, started all to flame at the end of the years 1990, with the great astonishment of the professionals: “It was a market which tournicotait around itself, with hardly 15.000 to 20.000 transactions per annum and the stable prices since tens of years”, remembers…, specialist in the transaction in rural fields.
A completed time: today, the number of sales was multiplied by two or three, the values flamed, while the estate agencies started to flower through all the territory. “Only in Sarlat, there are some more than 30! ” exclaims. , negociator in the middle of black Périgord.
A madness, estimates…, because the prices of the houses in the countryside, note it, followed those of the main homes. This imitation, illogical taking into account the time of occupation of the second home - forty-four days per annum on average - is not only due to the love which the French carry to the stone and the holidays - they have nearly 4 million country houses - but also to a certain number of sociological evolutions, which upset the market.
The TGV, which put the south of France at three hours of Paris, the Channel tunnel, which made a bridge between the Hexagon and Great Britain, and, finally, the airline companies low cost, which ensure more and more the junction between the European capitals and our areas.
The new means of transport were, without any doubt, the vector of this formidable flight. And of many corners, difficult to reach, became suddenly close, like Uzès, the new paradise of the Parisian sores.
In fact, actually, the British benefitted the most from aubaine. Dénicheurs of good deals, they were the first to vote by plebiscite the Pole, the Dordogne, Gers and account for 75% of the foreign purchases.
Such this couple which, in only one telephone call, was offered a house to Deauville for 1 million euros. The Ryanair companies and easyJet, which multiplied the service roads at the beginning of London towards Bergerac, Nimes or Marseilles, amplified the phenomenon.
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 Even if the banks and the brokers do not note important vagueness of requests for renegotiation, it is today convenient to consider it.
Obviously, only the holders of loans atrates fixes are concerned because, contrary to those which borrowed fromrevisable rate, they did not profit, since the subscription of the credit, the relaxation of the rates.
Such an operation is not gaining with all the blows. Sometimes the play is not worth the candle of it. Before launching out in this kind of step, better is thus worth to put all the assets on its side.
The first reflex consists in earlier requiring of its bank a revision of the rate conceded a few years. The latter hardly will appreciate the request, it is even often a subject which annoys.
To cross short to any attempt at negotiation, the banker will try to explain that, when the establishment authorized the loan, he had itself to borrow the capital from the conditions of market of the moment.
It is true, but not completely. In fact, the banks partly finance the appropriations granted while picking in their equities, namely the not remunerated deposits their customers. To the first go, in charge one of customers will take care not to make an offer, it will propose with the borrower to return to see it with in hand a concurrent offer.
But, there still, nothing is gained. The bank can remain deaf with any request, because nothing obliges it to reconsider the starting conditions. “Our attitude also will depend on the quality of the file and the total relation with the customer”
• Example of financing for the purchase of a good of 300.000€
Before any proposal, the banker will re-examine the file of his customer and will screen his financial position. We look at if, since the subscription of the credit, this last always has its incomes domiciled on our premises, if it did not have incidents of payment, if it carried out placements meanwhile. The evolution of its wages constitutes also an important data, which can determine the width of our commercial gesture, explains a banker. It is a negotiation gain-gaining, we can have to require of the customers counterparts”
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England real estate
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