- Dezvoltatorii spera ca preturile apartamentelor noi sa creasca din 2010
Dupa ce pretul pe metru patrat pentru locuintele noi a scazut in medie cu 45% de la inceputul anului si pana in prezent, dezvoltatorii spera la o crestere din 2010, o premisa fiind introducerea certificatului energetic.
Am participat de curand la o masa rotunda cu mai multi dezvoltatori imobiliari si concluzia a fost ca nivelul minim a fost atins in piata rezidentiala, iar preturile apartamentelor noi ar putea creste de anul viitor. Un motiv pentru aceasta crestere este obligativitatea certificatului energetic, al carui cost va fi suportat tot de cumparatori, a declarat Vlad Vlasceanu (foto), directorul Targul Imobiliar National (tIMOn).
In acelasi timp, o analiza a companiei de consultanta imobiliara Jones Lang LaSalle (JLL), in colaborare cu polonezii de la REAS, arata ca preturile apartamentelor au scazut vizibil fata de aceeasi perioada a anului trecut, dar chiar si asa, sunt prea mari comparativ cu asteptarile cumparatorilor, iar dezechilibrul dintre cerere si oferta va contribui la scaderea preturilor.
Opinia lui Vlasceanu este sustinuta si de Ion Catutoiu, manager general al agentiei imobiliare RealTime, care mizeaza, pe langa certificatul energetic, si pe cota de TVA incerta. In prezent, pentru locuintele cu suprafata utila de cel mult 120 mp, a caror valoare nu depaseste suma de 380.000 lei, se aplica TVA de 5%.
Certificatul energetic, TVA incert si dobanzile de la banca, pentru ca un apartament care sta prea mult la vanzare produce dobanzi la banca - toate sunt premise pentru cresterea preturilor la apartamentele noi, a declarat Catutoiu.
Un studiu recent al portalului imobiliar century21.ro arata ca bugetul mediu alocat de un bucurestean pentru achizitia unei locuinte variaza intre 41.968 euro pentru o garsoniera si 125.182 euro pentru un apartament cu patru camere, cele mai multe cereri fiind pentru apartamentele cu doua camere.
De asemenea, noua din zece bucuresteni cauta locuinte sub 100.000 de euro, arata o sinteza realizata de portalul imobiliar imopedia.ro din informatiile culese de lavizitatorii targurilor de profil din acest an, precum si din cadrul propriului portal.
Oficialul RealTime admite insa ca preturile apartamentelor vechi vor continua sa scada, iar apartamentele noi care s-ar putea ieftini si mai mult sunt cele a caror finalizare este nesigura.
Principalul risc pentru un cumparator este sa plateasca un apartament care nu ii va fi niciodata livrat. In astfel de cazuri, cat de mic este pretul pe metru patrat devine un lucru irelevant. Cine va vinde foarte ieftin un proiect in curs de dezvoltare stie ca proiectul sau nu are mari sanse de finalizare , a explicat Catutoiu.
Catutoiu spune ca este posibil ca preturile sa mai scada si in cazul locuintelor noi, deja functionale sau in cazul apartamentelor foarte spatioase, cu costuri mari. In ceea ce priveste locuintele care se construiesc in Bucuresti si Ilfov, cu finalizare in anul 2011, numarul acestora ajunge la circa 4.000 de unitati, potrivit consultantului RealTime.
Sigur ca, din punct de vedere economic, anul 2010 are toate sansele sa fie mai rau decat 2009, insa oamenii au nevoie de o locuinta, fie ea inchiriata sau cumparata. Ceea ce se va intampla in piata rezidentiala va fi ca nimeni nu va mai cumpara pentru a investi niste bani, ci doar pentru a locui in acel apartament, a incheiat Ionut Catutoiu.
Targul imobiliar a inceput astazi si se va desfasura pana duminica, la World Trade Center, gazduind 35 de firme expozante si 80 de proiecte rezidentiale din Bucuresti, din tara si din strainatate. Cel mai mic pret in cadrul targului este de 380 euro/mp pentru o casa fara finisaje din zona Buftea, iar cea mai ieftina garsoniera costa 34.000 euro, fiind amplasata in Prelungirea Ghencea.
sursa: wall-street.ro
- Greece s problems
Greece’s problems deepened on both sides of the Atlantic as the Federal Reserve disclosed it was investigating Goldman Sachs and other banks that helped the country mask its debts, and investors grew increasingly leery of lending any more money to a nation flirting with default.
On Thursday, the Moody’s ratings agency joined Standard & Poor’s in warning that it might downgrade Greek government bonds, a move that would increase the premium Athens must pay to borrow. The move comes at a precarious time for Greece, which must raise 25 billion euros ($34 billion) over the next few months to avoid a sovereign default that officials fear could cause the finances of other weak European economies to collapse.
In a sign of the challenges their nation faces, Greek officials also called off a planned trip to the United States and Asia aimed at interesting new investors in its bonds because of a lack of demand, according to an investment banker who was briefed on the government’s fund-raising strategy.
The European Union has said it would come to Greece’s aid only if it develops a plan to reduce its deficit by March 16, further ratcheting up the pressure.
“Even if they bring the deficit to zero, with interest rates at 6.5 percent and a growth rate of zero at best, Greece’s debt ratio remains on an explosive path,” said Miranda Xafa, a former executive board member at the International Monetary Fund. “I just don’t think they can raise funds from the market now.”
Greece has suffered from large deficits for years, and until now it seemed as if big banks would always be there to bail it out. As far back as 2000 and 2001, Goldman helped Athens quietly borrow billions to mask its poor finances by creating derivatives that essentially transformed loans into currency trades that Greece did not have to disclose under European rules.
Ben S. Bernanke, the Federal Reserve chairman, told Congress Thursday that the Fed was “looking into a number of questions relating to Goldman Sachs and other companies and their derivatives arrangements with Greece.”
Mr. Bernanke said the Securities and Exchange Commission was also concerned about how derivatives — financial instruments that are largely unregulated and do not trade on public exchanges — have contributed to Greece’s problems. “Obviously, using these instruments in a way that intentionally destabilizes a company or a country is counterproductive,” he said.
The S.E.C., in a statement, said that it could “neither confirm nor deny the existence of an investigation,” but added that it was cooperating with United States and international regulators in examining “potential abuses and destabilizing effects related to the use of credit-default swaps and other opaque financial products and practices.”
Goldman declined to comment, citing its policy of not addressing legal or regulatory matters. But in a Feb. 21 presentation, Goldman said, “The Greek government has stated (and we agree) that these transactions were consistent with the Eurostat principles governing their use and application at the time.” Eurostat is the European Union’s statistics agency.
Goldman is not the only bank that supplied derivatives designed to lower deficits. In the late 1990s, JPMorgan Chase helped Italy reduce its budget gap by swapping currency at a favorable exchange rate. In return, Italy committed to future payments that were not booked as liabilities.
A spokeswoman for JPMorgan said that Italy disclosed all of the deals to Eurostat.
Senator Christopher J. Dodd, Democrat of Connecticut and the chairman of the Senate Banking Committee, also took aim at credit-default swaps, which allow banks and hedge funds to wager on whether a company or country might default.
Critics say the swaps have contributed to Greece’s problems and increased the odds of a financial collapse.
“We have a situation in which major financial institutions are amplifying a public crisis for private gain,” he said.
The Fed inquiry was begun about three weeks ago, according to an official involved in the investigation who was not authorized to comment publicly. Fed examiners are focusing on whether Goldman and other banks complied with guidance the Fed issued in 2007 outlining
