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To estimate a good on line
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 Source: the figaro
Henceforth to find its housing, it is necessary to pass by the Web! Virtual visits, geolocalisation… Internet sites innovate.
The search for a housing is carried out more and more on Internet. Between 2005 and 2007, the audience of the sites of the real estate attracted 17.3% of the Net surfers, according to a study of Médiamétrie.
Better, it appears that in February 2007, a Net surfer on five visited a real estate site.
But the true revolution in progress comes from Web 2.0, a change of the first grinding of the Web which makes it possible from now on to the Net surfers to interact (forums, vidéos and photographs in division, blog, etc) on Internet sites and to be identified at a community.
Concretely, in the sector of the real estate that opens the way with many changes in the search for an apartment.
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Visit and virtual localization. Indeed, so before the classifieds were only transferred newspapers to be then put on line, today they become “alive”.
Two great innovations will develop: virtual visits and the geolocalisation. Today, the advertisements include/understand some photographs as well as possible. The American sites are much more complete, they provide an overall vision of the good making it possible to make the turn in images of it.
In France, some sites thus make it possible to the private individuals to film their apartment put at the hiring or the sale. Mixed with the geolocalisation, this innovation allows a time-saver at the time of its research.
More unfruitful research, the selection is done without displacement. In France, these upheavals are only with the stammerings, but in the United States the revolution is already moving. Certain sites make it possible to obtain a complete card of the required good: price, date of purchase, taxes to be paid… Provided with a software of localization Google Earth way, the Net surfer chooses the city, the street even where it wishes to settle.
“The purchasers know where the schools are located, the rate of criminality of the district. Others, propose a research according to personal criteria: center interests, proximity of services etc
The latter indeed endeavour to treat without the traditional real estate agents and thus to avoid the expenses related to their service.
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 To estimate a good on line. Another innovation: the Web makes it possible to exceed the traditional actors of the real estate and to calculate oneself the value of a good.
On the Net, you find the argus real, by specifying the surface of the good and its localization, the future salesman or purchaser has an precise idea of the price of housing. As many services which supplement the offer of the specialized newspapers.
To supplement the offer, all the sites of financing or repurchase credit emboitent the step with formulas of simulaton on line
The fixed rates of the real estate credits slightly dropped in September 2007.
In spite of uncertainties due to the febrility of the financial markets, the rates of the real estate credits did not climb in September. One observes even on certain segments of the market of the light falls, in particular on the rates at 7 years and 15 years.
The latter slightly contracted from 0,05 to 0,10 point. The rate low noted over 15 years is of 4,35%, against 4,40% for a credit over 20 years. Over longer durations, on 25 and 30 years, the rates of the loans are stabilized or increased very slightly.
This fall is explained by a contraction of long-term interest rates at the beginning of September.
Variations from one area to another. The long rates account today for 4,25%, that is to say 0,5 point of less than two months ago.
The banks can thus borrow less expensive and very slightly reflect this profit on the proposals for a credit which they make with their customers. On the longer rates, at 25 years or 30 years, the banks have less visibility, they thus include a more important allowance for risk, which explains why these rates there do not drop as quickly as the first.
Variations of rate always persist between the French areas. The place Is remainder where the rates suggested are most expensive. For a loan of 150.000€, the rate amounts to 4,90% is a overcost of 12€ per monthly payment compared to the most advantageous areas which are the West, South-west and the Mediterranean. These last offer rates of appropriations to 20 years with 4,75%.
34% of the French are ready to buy a good in order to benefit from the deduction of 40% of the interests of loan the first year.
98% of the owners are declared satisfied with their current housing, and 74% are very satisfied. It is what arises from the 1st wave of the Observatory of the real owners, realized by Sofres. At the head reasons of this satisfaction, the owners place “the emotional attachment, in front of comfort and the environmental quality”, underlines the survey institute.
Among these owners, 4% of them state to have sold a good between June 2006 and June 2007, moved primarily by the search for a better framework of life (more adapted surface for example), but also by the prospect to realize more been worth on the sale (25% of questioned). 6% of the owners put in hiring their real estate. Interesting characteristic, a majority of couples bound by a PACS chose this solution.
Law Woerth: an instigator of purchase. The professionals of the real estate (estate agencies and notaries) act as leader as soon as it is a question of selling a good. This channel is used in 72% of the cases, whereas the sale between private individuals relates to only 26% of the transactions (others, 2%). Concerning the motivations of the sale, the strongest motivations are determined by the professional or family changes (39% of the cases), of the financial problems or a vocational resettlement (29%), or the will to go to seek a more pleasant environment (25%).
In addition, the recent tax reform as regards deductibility of the interests (law Woerth) seems an important lever of activation of the market, underlines the study.
That is particularly true near the potential buyers by 2012:34% of them indeed wish to carry out a real purchase to be able to benefit from the deductibility of the interests of real loan.
Home sweet home. As opposed to what one could have thought, the first brake with the sale of a good is not financial, but emotional, since 73% of the owners declare being attached to their dwelling. The obstacle caused by too high prices arrives in second position (61%).
Come then the barrier from the age (42%), the fear of disturbing the family practices (40%), that to engage in a new credit (36%), and finally the difficulties to find a housing and uncertainty on the evolution of interest rates (respectively 35% and 24%)
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To estimate a good on line
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