Pays-Bas / Amsterdam

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Re: Pays-Bas / Amsterdam

#51 Message par ausgelander » 27 mars 2010, 22:38

Mortgage tax relief again centre stage

Wednesday 24 March 2010

Lien :http://www.dutchnews.nl/news/archives/2 ... n_cent.php
A narrow majority of home owners back reform of the tax breaks on mortgage payments, likely to be one of the main issues in the June election campaign, according to a poll of 15,000 people for tv show EenVandaag.

At the moment, home owners in the Netherlands can deduct the interest paid on their mortgages entirely from tax over a 30-year period. Mortgage tax relief on second homes was scrapped several years ago.

The tv poll showed 71% of Christian Democrat voters and 59% of Liberal party voters say the tax break needs reform. One fifth of those polled thought the tax break should be done away with altogether.

The home owners lobby group VEH, however, is worried that the perk is again in the political spotlight, Trouw reports on Wednesday.

The organisation says the timing is 'the worst possible', because the housing market is weak and changes in mortgage law will sow more doubt.

Mortgage holders do have to pay another tax, the huurwaardeforfait, which is based on the value of their homes and is supposed to offset the advantage they have as home owners over tenants.


Leave mortgage tax relief alone: central bank

Thursday 25 March 2010

source :http://www.dutchnews.nl/news/archives/2 ... f_alon.php
Politicians should leave the current mortgage interest tax break system intact because of the difficult position facing the housing market, central bank board member Lex Hoogduin said on Thursday.

Ten years ago, the central bank called for the tax break to be phased out.

Hoogduin made the comments during the presentation of the bank's annual report. The tax break, one of the most generous in Europe, costs the treasury some €11bn a year.

Election issue

'If you ask me if this is the right moment to attack this tax break, then my answer is a resounding no,' Hoogduin is quoted as saying in the Financieele Dagblad.

And if politicians are determined to press ahead with reform, they should wait until the housing market is healthier and take a long transition period, he said.

The left-wing greens GroenLinks and the Liberal democrats D66 have already included phasing out mortgage tax relief in their election manifestos.
La mesure s'invite dans les programmes electoraux (de ceux qui veulent la faire disparaitre).
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Re: Pays-Bas / Amsterdam

#52 Message par ausgelander » 26 mai 2010, 21:01

45,000 home owners risk financial trouble: SCP
Wednesday 26 May 2010
source : dutchnews.nl
lien :http://www.dutchnews.nl/news/archives/2 ... inanci.php
Some 45,000 home owners face a risky combination of having high housing costs and a mortgage which is bigger than the value of their home, according to the government's social policy unit SCP.

Before the recession, 30,000 households were in a similar position, the SCP says in a report out on Wednesday. But unemployment and lack of savings have forced up the number of households in a potentially difficult situation.
Tax relief

If the economic crisis continues, some 65,000 home owners, or 2% of the total, will be in trouble, the organisation says.

The SCP estimates scrapping tax relief on mortgage interest payments will lead to a 10% drop in house prices, forcing more households into the danger zone.

Most parties have included a commitment to mortgage tax relief reform in their election manifestos.
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Re: Pays-Bas / Amsterdam

#53 Message par ausgelander » 10 juin 2010, 20:20

on attendra avec impatience de voir la decision prise a ce sujet lorsque le nouveau gouvernement sera forme et au pouvoir...


Home owners anticipate end of tax relief

Published: 9 June 2010 13:56 | Changed: 9 June 2010 17:42

lien : http://www.nrc.nl/international/electio ... tax_relief
As housing prices slump and state finances are in dire shape, scrapping the tax deduction for people with home mortgages is on the table for the Dutch election.
In a nutshell, the Dutch tax system allows every resident who owns the home he or she lives in to fully deduct the interest paid on their mortgage from their assessed income. A person who earns gross wages of 60,000 euros and spends 15,000 on mortgage-interest, only has to pay income tax over 45,000. The higher the mortgage, the bigger the benefit. In 2001, the period someone can profit from the subtraction was capped at 30 years and a second home mortgage was excluded. But that was as far as politicians were willing to go at the time.
Left-leaning parties -- Labour, left-wing liberals D66, green party GroenLinks, socialist SP and the orthodox Christian ChristenUnie -- are all in favour of gradually reducing the mortgage-interest tax credit . As part of the ongoing election campaign, their leaders argue it is not only costing the state a lot of money, but that that money ends up in the pockets of those who need it least. Parties on the right, on the other hand, guarantee voters their mortgage is safe with them. The VVD for example, believes the mortgage-interest deduction is an adequate instrument to promote home ownership and wants to offer security to current owners with long-term financial commitments, it says in its election programme. These parties believe more is to be gained by taking on the rental market, which is being subsidised with 14.5 billion euros annually.
Abruptly scrapping the interest deduction in the Netherlands could lead to a drop of housing prices by 25 percent, according to the economic policy bureau CPB. Gradually reforming it, as parties on the left propose, could mean prices will be 10 to 15 percent lower in the long term, the CPB calculated.
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Re: Pays-Bas / Amsterdam

#54 Message par aquafiestas » 10 juin 2010, 20:28

Bon, ce retour en France, ça va ? :wink:

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Re: Pays-Bas / Amsterdam

#55 Message par ausgelander » 10 juin 2010, 20:36

c'est bien sympa d'être de retour, bien content d'avoir quitte ce pays de fachos ;)
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Re: Pays-Bas / Amsterdam

#56 Message par aquafiestas » 10 juin 2010, 20:38

Ils ne jetteront pas leur tradition séculaire de tolérance sur un coup de tête tout de même !

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Re: Pays-Bas / Amsterdam

#57 Message par ausgelander » 10 juin 2010, 20:50

de la bouche d'hollandais même, j'ai entendu dire que la tolérance s'était bien dégradée ces dernières années. L'assassinat de Theo Van Gogh a ete un moment determinant.
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Re: Pays-Bas / Amsterdam

#58 Message par ausgelander » 03 juil. 2010, 13:12

Nederlander durft geen huis te kopen (Hollandais n'ose pas acheter de maison)

source : FD

lien : http://www.fd.nl/artikel/16910674/neder ... huis-kopen
De intentie van Nederlanders om een huis te kopen was in de afgelopen 25 jaar niet zo laag als nu.
L'intention chez les néerlandais d'acheter une maison au cours des 25 dernières années n'a jamais été aussi basse que maintenant.
Volgens ING is de sombere stemming op de huizenmarkt te wijten aan een daling van het consumentenvertrouwen en de verhitte discussie over de hypotheekrenteaftrek.
Selon ING, l'ambiance sombre du marché du logement vient d'une d'une baisse de la confiance des consommateurs et les discussions passionnées sur l'hypothèque.
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Re: Pays-Bas / Amsterdam

#59 Message par ausgelander » 08 juil. 2010, 15:21

Fewer homes sold in second quarter, mortgage tax doubts have impact


Thursday 08 July 2010

lien : http://www.dutchnews.nl/news/archives/2 ... nd_qua.php
The number of homes changing hands in the second quarter of this year was 2% below the 2009 figure, according to new figures from the real estate agents' association NVM.

The NVM describes 2009 as a 'disaster' year.

In total, 33,300 homes were sold, up 6.5% on the first three months of the year. The average price paid was €235,000, up 1.5% on a year ago.
Mortgages

The NVM blames the decline on uncertaintly about the future of mortgage tax relief, which allows home owners in the Netherlands to deduct all the interest they pay on a home loan from tax.
Rents

The organisation hopes new rules which will force housing corporations to allocate 90% of their rent-controlled properties to households earning less than €33,000 a year from October will boost housing sales.

This is because people earning more than this will have to choose between paying more than €600 a month in rent or buying a home.
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Re: Pays-Bas / Amsterdam

#60 Message par ausgelander » 21 août 2010, 09:43

Housing market recovery remains slow
http://www.dutchnews.nl/news/archives/2 ... remain.php

Monday 16 August 2010
The recovery of the housing market will be slow, the Rabo bank said on Monday in its quarterly report on the subject. The bank expects prices to fall this year by 1.5% and rise in 2011 by 1%.

The bank says house prices will only recover when people rediscover their trust in the housing market. One problem is the uncertainty about mortgage tax relief which will only be solved when a new cabinet is installed.

One encouraging sign is that in the first six months of 2010 60,000 houses were sold, around 2,000 more than in the year earlier period.
pas trop d'évolution, la question du remboursement des intérêt d'emprunt est toujours en suspens jusqu'à ce que le nouveau cabinet ministeriel s'installe...
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Re: Pays-Bas / Amsterdam

#61 Message par ausgelander » 07 oct. 2010, 19:18

House sales fall by 10% in the third quarter

Thursday 07 October 2010

source : dutchnews.nl
lien :http://www.dutchnews.nl/news/archives/2 ... in_the.php
The number of houses changing hands in the third quarter this year is down 10% on a year ago, the real estate agents association NVM said on Thursday.

At the beginning of this year, sales were rising again but uncertainties about mortgage tax relief and other factors have hit the market, the NVM said.

Some 185,000 houses are currently on the market and around 60,000 have been for sale for over one year. Some 12% were put up for sale over two years ago.
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Re: Pays-Bas / Amsterdam

#62 Message par ausgelander » 14 oct. 2010, 20:33

un petit graphique pour illustrer la baisse du nombre de ventes de maisons par années (en bleu) et le nombre total croissant de maisons à vendre (en rouge)

Image
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Re: Pays-Bas / Amsterdam

#63 Message par ausgelander » 19 oct. 2010, 17:53

Hallucinant : le conseil municipal d'Amsterdam voudrait interdire la collocation !

Amsterdam poised to ban flat-sharing
source : dutchnews (via De Telegraaf)

Tuesday 19 October 2010

http://www.dutchnews.nl/news/archives/2 ... flatsh.php
Amsterdam city council is poised to ban students and young workers sharing flats unless they have a formal relationship, the Telegraaf reports on Tuesday.

The paper says the city council plans to vote on Tuesday night to stop people sharing flats if they do not plan to form a ‘long-term, durable family relationship’. The vote will take place under the auspices of the Stadsregio – an organisation which aims to boost the greater Amsterdam region.

The move comes from an overzealous interpretation of housing regulations, the paper says. Three students who share a three-bedroom flat in the city centre currently face eviction because they share bills and the rent.

The paper does not say if the students are sharing a rent-controlled property or not.

VVD city councillor Frank van Dalen said the police is bad for the city’s students, ‘the economy, the housing market and its international position.’
comme quoi la location est loin est loin d'être un marché loin d'être libre, et carrément manipulé au Pays-Bas
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Re: Pays-Bas / Amsterdam

#64 Message par ausgelander » 23 nov. 2010, 16:31

l'immo repart à la baisse :

Image

changement en pourcentage par rapport au mois de l'année précédente.
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Re: Pays-Bas / Amsterdam

#65 Message par ausgelander » 20 déc. 2010, 13:07

Household assets decline as house prices fall

le patrimoine des ménages décline avec la baisse des prix des maison au pays bas

Monday 20 December 2010

lien : http://www.dutchnews.nl/news/archives/2 ... _as_ho.php
The drop in property values and increase in mortgage debt have cut Dutch households’ combined assets by 20%, the national statistics office CBS said on Monday.

At the beginning of this year, the average household had assets of €33,000, down from €42,000 at the beginning of 2009, the CBS said.

Six out of 10 Dutch households own their own homes. The average value of a house was €237,000 at the beginning of this year, while the mortgage debt was €155,000.

At the beginning of 2009, the average house was worth €254,000 and the average mortgage was €150,000.
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Re: Pays-Bas / Amsterdam

#66 Message par Pi-r2 » 20 déc. 2010, 13:33

ausgelander a écrit :l'immo repart à la baisse :

Image

changement en pourcentage par rapport au mois de l'année précédente.
Il faudrait voir l'intégrale, mais ça colle bien à la théorie des bulles chez eux.
Les bonnes idées triomphent toujours. D'ailleurs c'est à cela qu'on reconnait qu'elles étaient bonnes.
mon statut de modérateur ne m'interdit pas de participer aux discussions. Je ne modère pas les discussions auxquelles je participe.

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Re: Pays-Bas / Amsterdam

#67 Message par ausgelander » 21 déc. 2010, 22:15

House prices drop 1.1% in November

Tuesday 21 December 2010

lien :http://www.dutchnews.nl/news/archives/2 ... novemb.php

House prices were down 1.1% in November compared with the previous year, the national statistics office CBS said on Tuesday.

House prices have now fallen for two years and average prices are 7% below August 2008, when they reached a record high.

Semi-detached houses fell the most in price, down 1.8%, the CBS said. The CBS did not give actual figures for average house prices.
Image du rapport cbs (dispo ici :http://www.kadaster.nl/pdf/Vastgoedbericht_201011.pdf)
Image
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Re: Pays-Bas / Amsterdam

#68 Message par ausgelander » 02 janv. 2011, 09:05

Les prix du logement détérmine la prospérité des Pays-Bas

source : http://www.huizenmarkt-zeepbel.nl/

Image

en bleu sur le graphique...
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Re: Pays-Bas / Amsterdam

#69 Message par ausgelander » 13 janv. 2011, 08:36

et pendant ce temps là, en Hollande...

More people fail to meet mortgage payments

Wednesday 12 January 2011

source : © DutchNews.nl
lien : http://www.dutchnews.nl/news/archives/2 ... _mortg.php
The number of people forced to sell their own homes because they can no longer meet mortgage payments shot up sharply last year, the Telegraaf reports.

In total, 1,341 people who had bought a home with a NHG government guarantee were forced to sell, up 76% on 2009.

The increase is largely due to divorce and unemployment, a spokesman for the NHG guarantee scheme said.

The national mortgage guarantee was introduced in 1995 as a way to encourage home ownership and currently covers homes costing up to €350,000.

The guarantee means that if people default on their mortgage, a special home-ownership fund (known as the WEW) will pay off the debt.
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Re: Pays-Bas / Amsterdam

#70 Message par ausgelander » 22 févr. 2011, 09:44

House prices fell 1.1% in January

Monday 21 February 2011
© DutchNews.nl
lien :http://www.dutchnews.nl/news/archives/2 ... januar.php
House prices were down 1.1% in January, compared with January 2010, a slightly larger decline than in December, the national statistics office CBS said on Monday.

Houses were cheaper everywhere apart from Noord-Holland and Gelderland provinces.

Over 8,000 homes changed hands in the first month of this year, up 9% on a year ago. The CBS did not give actual average prices.
Image

Vers le double dip ?
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Re: Pays-Bas / Amsterdam

#71 Message par ausgelander » 27 févr. 2011, 18:50

Image

trouvé sur huizenmarkt-zeepbel.nl, le développement des prix de l'immobilier aux Pays-Bas selon les différentes sources (1995 = 100)
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Re: Pays-Bas / Amsterdam

#72 Message par ausgelander » 22 mars 2011, 10:51

House prices fell 1.5% in February

Monday 21 March 2011

source dutchnews.nl
House prices fell by an average 1.5% in February, compared with February 2010, the national statistics office CBS said on Monday. In January, the fall in house prices was 1.1%.

All sorts of housing was cheaper, with detached homes recording the biggest drop of 3.4%.

In total, almost 10,000 homes changed hands, an increase of 8% on February 2010.

The CBS did not say how much different sorts of properties actually cost.
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Re: Pays-Bas / Amsterdam

#73 Message par ausgelander » 28 mars 2011, 21:42

le FMI sort un rapport qui accuse le système généreux de réduction d'impot sur le crédit immobilier de fausser la donne du marché immo hollandais.

Mortgage tax relief is distorting the housing market: IMF

Monday 28 March 2011

lien : dutchnews.nl


The generous Dutch mortgage tax relief system is distoring the housing market, according to a new International Monetary Fund report on the Dutch economy.

The IMF says the government should phase out the tax break, which allows home owners to deduct the full cost of their mortgages from tax.

The measure also means Dutch banks are shouldering too high risks, the IMF said. This is because the large amount of tax relief encourages people to spend more on a home than they can afford.

The government is committed to leaving mortgage tax relief unchanged.
pendant ce temps là, le nombre de maison mise en vente explose :
Image

... et les volumes baissent :

Image
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Re: Pays-Bas / Amsterdam

#74 Message par ausgelander » 07 avr. 2011, 15:48

House prices set to drop further, sales depressed

Thursday 07 April 2011

source :DutchNews.nl
Estate agents' association NVM expects house prices for the whole of 2011 to drop by 5%. It also reports a drop of 14.3% in the number of homes changing hands in the first quarter of 2011.

The average price of a house in the first quarter of 2011 fell 1% compared with the last quarter of 2010 and is 1.6% down on the year earlier period.

The fall of 14.6% in the number of transactions makes the first quarter of 2011 the worst period for house sales since the depth of the financial crisis in 2009.

The NVM is asking banks to do more for lenders looking for a mortgage. Chairman Ger Hukker says the banks 'have gone too far in their risk-averse behaviour'.
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Re: Pays-Bas / Amsterdam

#75 Message par ausgelander » 17 mai 2011, 17:10

Dramatic drop in new housing sales

lien : dutchnews.nl
Tuesday 17 May 2011
Sales of new houses dropped 15% in the first quarter of 2011, the project developers' association Neprom said on Tuesday.

Director Jan Fokkema expects total sales over the whole of 2011 to drop by 50% on their level before the financial crisis of 2008.

Project developers blame the drop on the tighter mortgage regulations brought in by the financial sector watchdog AFM. They want the new rule requiring house buyers to pay back half the loan, ending the use of interest only mortgages, dropped. And, they say, good insulation in new houses should also be taken into account when assessing mortgage options.

'Lower energy costs are hardly considered but they should offer €20,000 in flexibility when negotiating a mortgage,' Fokkema told the Financieele Dagblad.
en lien avec celui la (même source)

More banks call for action on mortgages


lien

Tuesday 17 May 2011
Financial services groups SNS Reaal, ABN Amro and ING have given their support to efforts by Rabobank to kick start talks on the mortgage market, the Financieele Dagblad reports.

On Monday, Rabobank CEO Piet Moorland told the paper banks should be given more freedom to extend mortgages to people starting on the housing ladder.

The financial sector watchdog AFM has put tighter conditions on mortgage regulations, reducing the amount first time buyers can borrow. This, plus the continuing effect of the financial crisis, means the housing market is grinding to a halt.

Moerland wants the banks, ministers and regulators to get round the table and take decisions to breathe new life into the market.
Image
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Re: Pays-Bas / Amsterdam

#76 Message par ausgelander » 06 juin 2011, 17:23

Un document balèze de 173 pages, en anglais et avec plein d'équations, pour les amateurs ;)

House Price Uncertainty in the Dutch Owner- Occupied Housing Market

lien : House Price Uncertainty in the Dutch Owner- Occupied Housing Market

Format de fichier: PDF/Adobe Acrobat - Afficher
de MI Droes - 2011
20 May 2011
In particular, the house price index of the Dutch Association of Realtors (NVM) indicates that
the average house price increase between 1985 and 2009 has been approximately 6 percent
per annum or about 7,000 euros per year
Based on the sample of homeowners who want to move within two years, the average
expected sale price of the current home is 251,171 euros
. By contrast, these homeowners have
an average preferred buy price of the future home of 304,274 euros. In particular, these
homeowners on average want an increase in the value of the house of 53,103 euros. Based on
this price difference, about 74.8 percent of the homeowners who want to move within two
years also want to trade up in terms the value of the house.
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Re: Pays-Bas / Amsterdam

#77 Message par ausgelander » 24 juin 2011, 10:13

en route vers le double-dip ?

Prijzen koopwoningen wederom lager

lien : lien
Source : Conjunctuurbericht, dinsdag 21 juni 2011

Image
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Re: Pays-Bas / Amsterdam

#78 Message par ausgelander » 02 juil. 2011, 13:11

Buying a home to be made cheaper as sales tax is cut
Friday 01 July 2011
source : dutchnews.nl

lien
The special tax on house purchases – overdrachtsbelasting or conveyancing tax – is to be reduced from 6% to 2% for a year in an effort to boost the housing market.
Ministers agreed to cut the tax at Friday’s cabinet meeting, the last before the summer recess. The tax cut will be backdated to June 15.
According to the Telegraaf, the measure will save home buyers €8,000 on the cost of a €200,000 house. The tax raises €3.5bn for the treasury every year.
Real estate agents have welcomed the move, saying it will help more first time buyers take a step on the housing ladder.
une aide pour mettre un pied sur l'echelle, prendre le train en marche... les grands classiques !
To compensate for the lost income, put at some €1.2bn, the government is to impose an extra tax on banks in the form a new tax on profits. The save-as-you-earn (spaarloon) savings scheme will also be phased out earlier than planned.
Details of the tax still have to be worked out, but it will be brought in next year, finance minister Jan Kees de Jager said after the cabinet meeting. France, Germany and Britain also support an extra tax on banks, De Jager said.
This is important because otherwise Dutch banks could become less competitive and this should be avoided, the minister said.
Banks are not happy at the extra tax, saying it will damage the economy. 'Every euro which goes on the bank tax cannot be used for corporate loans or for mortgages,' Boele Staal chairman of the national banking association, said in a statement.
'This plan has been made too quickly and has not been looked at for its likely effects... Nor has there been any discussion with the banking sector,' he said.

J'aime bien le commentaire de "Kevin" en bas de l'article :
I don't know... What I see with my own eyes are a lot of 'te koop' signs all over the exurban hinterlands. -All of these communities are building more and more Vinexwijken, but why? If there is no demand why are they building more? If the banks are to pay for the tax reduction, won't they just simply raise the interest rates? -Nothing in life is free.
There is a housing bubble in Holland. You can see it with your own eyes! Go out and look at all of the for sale signs outside the city centers. Reminds me of the USA in 2007.

By Kevin | July 1, 2011 8:52 AM
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Re: Pays-Bas / Amsterdam

#79 Message par ausgelander » 15 juil. 2011, 09:56

House sales down 12.6% in June

source dutchnews.nl

Thursday 14 July 2011

lien
The number of apartments and houses finding buyers in June fell 12.6%, compared with the year earlier period, according to new figures from the land registry.

Month on month the decline is 3.7%, the land registry said. In total, 9,549 homes changed hands in June.

The organisation said it does not expect the effect of the government's decision to lower property transfer tax (overdrachtsbelasting) from 6% to 2% to be felt until the final quarter of the year.

Kick start

Ministers hope the tax cut, which saves thousands of euros on the cost of buying an existing home, will stimulate people to start out on the property ladder again.

Estate agents say there has been a 25% increase in viewings since the government agreed to reduce the tax and backdate it to June 15.

'The negative spiral would appear to have finally been broken,' said Roeland Kimman of the NVM estate agents association in the AD last week. 'All our members are telling us the same thing - that more people are viewing and more deals are being agreed.'

New banking restrictions on mortgage lending, which mean people can borrow less, have also impacted on house sales.
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Re: Pays-Bas / Amsterdam

#80 Message par ausgelander » 21 juil. 2011, 11:56

Prijzen koopwoningen 1,9% gedaald

le prix des maisons a baissé de 1,9% comparé à juillet 2010.

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Re: Pays-Bas / Amsterdam

#81 Message par ausgelander » 30 août 2011, 17:28

Prijsdaling koopwoningen iets groter

source :

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Re: Pays-Bas / Amsterdam

#82 Message par aquafiestas » 30 août 2011, 17:59

C'est quand même imprononçable cette langue..

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Re: Pays-Bas / Amsterdam

#83 Message par ausgelander » 21 sept. 2011, 15:52

Pour Aqua, en anglais cette fois ci ;)

sinon c'est bel et bien prononceable en NL, voire j'aime bien la sonorité !

House prices fall 2.8% in August

Wednesday 21 September 2011

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House prices were down an average 2.8% in August compared to the year earlier period, the national statistics office CBS said on Wednesday.

Detached houses fell most in price, with a drop of 4.5%.

Prices fell in every province except Zeeland, where there was a 1.7% average increase, the CBS said.

Some 10,000 houses changed hands in August, down 4% on August 2010. The CBS said the effect of the government's decision to reduce property transfer taxes would not be apparent until September and October.

The government cut the tax from 6% to 2% in an effort to stimulate the housing market. However, new rules governing mortgages, which make it harder for first-time buyers to get a foot on the ladder, came into effect on August 1.

The CBS did not say what the average price of a house now is.
et l'image du CBS :
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Re: Pays-Bas / Amsterdam

#84 Message par ausgelander » 28 sept. 2011, 13:30

les junkies veulent leur dope :

Home owners, local councils call for more action on house sales

Wednesday 28 September 2011

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The local authorities organisation VNG and home owners lobby group VEH have both urged the government to take more action to stimulate home ownership, as house prices continue to fall.

The VNG says the recent decision to slash property transfer tax to 2% is a useful gesture but is doing nothing to help the housing market to recover.

It wants the government to reverse spending cuts for local authorities and housing corporations so that more can be done to help people get on the housing ladder.

In particular, cuts to the urban renewal budgets should be scrapped because this money is a useful way of generating extra private sector involvement, the VNG says.

Tax cuts

Junior finance minister Frans Weekers said in response that the effect of the tax reduction will not be fully felt until October's housing market statistics are published.

Meanwhile, home owners want the government to make it easier for double income families to take out a mortgage. They calculate that new rules introduced in August mean a single income household can borrow more than a couple.

The restrictions mean a household with two people earning €20,000 a year can borrow a maximum €157,892 while a household run on a single income of €40,000 can borrow nearly €185,000.
© DutchNews.nl
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Re: Pays-Bas / Amsterdam

#85 Message par ausgelander » 22 oct. 2011, 13:17

mise à jour de la courbe, toujours du CBS :
source

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ça baisse toujours !
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Re: Pays-Bas / Amsterdam

#86 Message par ausgelander » 23 oct. 2011, 09:26

House prices plunge 3% in September, sharpest fall this year
Friday 21 October 2011
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House princes were down 3% in September, compared with September 2010, the biggest drop recorded so far this year, according to national statistics office CBS and land registry office Kadaster.

'The decline in house prices has speeded up in the past few months,' researcher Senne Janssen told news agency ANP.

The drop was particularly sharp in Den Bosch (down 6%) and in eastern parts of Groningen (down 8.5%).

Pressure

There are several reasons for the decline, Janssen said: 'Consumer confidence is down, spending power is under pressure and it is increasingly difficult to get financing.'

The average price paid for a house or flat is now around €246,000, the figures show. This compares with €259,000 in October 2008 when the market was at its peak.

Nevertheless, there has been an increase in the number of homes changing hands - up 6% on a year ago, the CBS said.

The CBS believes the effect of the cut in property transfer tax in July will become apparent in the next few months.
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Re: Pays-Bas / Amsterdam

#87 Message par ausgelander » 15 nov. 2011, 19:05

Thousands of families may face mortgage repayment problems

source : dutchnews.nl
Tuesday 15 November 2011
Hundreds of thousands of Dutch families will find themselves in financial difficulties in the near future if they lose their favourable mortgage interest rates and are faced with a raft of government cuts.

The warning comes from Dynamic Credit, the agency that sounded the alarm in the summer of 2008 on toxic mortgages in the US. These mortgages lay at the heart of the credit crisis of later that same year.

'There are now so many things going on,' Tonko Gast, director of Dynamic Credit, told the Financieele Dagblad. 'Interest rate changes, increasing unemployment, a failing economy. Consumer debt will not be too bad in 2011 but 2012 will be another story.'
The financial services sector watchdog AFM warned back in 2009 that 430,000 households were overstretched and barely able to pay their mortgages.

It announced plans to ban 100% plus mortgages but was heavily criticised by the home owners' association and the finance ministry. The plans were dropped.

Now Dynamic Credit's research shows that 300,000 households are badly overstretched. 'Mortgages from 2005 to 2007 will become vulnerable now the economic climate has worsened,' Gast told the paper.

Gast says these mortgages can be classed as sub-prime and will affect incomes of around €35,000 per annum.

On Tuesday the fund behind the national mortgage guarantee (NHG) warned that if house prices drop further, the fund's buffer will not be adequate.
House sales fall again in October
source : dutchnews.nl
Tuesday 15 November 2011
The number of homes changing hands last month was down 5% on the year earlier period and 8.5% on September, according to new figures from the land registry office Kadaster, quoted in the Financieele Dagblad.

The land registry's figures tend to lag behind those collected by the national real estate agency NVM because it deals with completed transactions. This means the effect of new mortgage rules and a cut in property transfer tax are not fully reflected.

The government hopes the tax cut will give the housing market a kick-start because it has shaved thousands of euros off the cost of a house.
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Re: Pays-Bas / Amsterdam

#88 Message par ausgelander » 21 déc. 2011, 16:35

House prices fall 3.3% in November

Wednesday 21 December 2011
source : © DutchNews.nl

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House prices in the Netherlands fell by an average 3.3% in November, compared with the year-earlier period, according to new figures from the national statistics office CBS.

Compared with October, house prices were down 0.8%.

The sharpest drop was booked by detached houses, where prices fell by 3.9% over the year.

The drop was sharpest in Friesland province (7%), followed by Gelderland, OverIJssel and Groningen (4%). Zeeland was the only province where prices were stable.

Last month, 9,500 homes changed hands, down 6% on a year ago.
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Re: Pays-Bas / Amsterdam

#89 Message par ausgelander » 28 déc. 2011, 12:23

Home ownership tax rises 10%
Wednesday 28 December 2011

lien : dutchnews.nl
The special tax which home owners have to pay based on the official value of their house is going up almost 10% next year, the Financieele Dagblad reports on Wednesday.

The eigenwoningforfait is being increased to compensate for falling house prices, the paper says. The increase, from 0.55% to 0.6% of the value, means home owners will pay around the same amount of tax.

Last week, Christian Democrat MPs suggested the home ownership tax be reduced for people who pay off part of the principle of their mortgages on a monthly basis. The tax is seen as a sort of compensation for the government because of the current generous Dutch tax break on mortgages.

On Tuesday, it emerged that the government is planning to make official house valuations public, so that home owners can compared prices more easily. The idea still has to be approved by the Dutch privacy watchdog.
© DutchNews.nl
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Re: Pays-Bas / Amsterdam

#90 Message par ausgelander » 06 janv. 2012, 20:59

ça ne s'arrange pas !

Central bank chief calls for maximum mortgage of 90%

source : DutchNews.nl
Friday 06 January 2012
Home owners should be able to borrow no more than 90% of the value of their house, central bank president Klaas Knot told television show Nieuwsuur on Thursday evening.

At the moment people can borrow 106% of the value of their homes but a gradual reduction to 90% would 'bring stability' to the housing market, Knot said.

In November, the central bank called on the government to limit the tax breaks for mortgage holders, saying the current system is damaging the country's financial stability.

The Dutch system is one of the most generous in Europe – home owners can fully deduct all the interest from tax for 30 years - and the current government has pledged to leave it untouched.

'The large mortgage debt in the Netherlands (128% of GDP) reflects the current fiscal regime, which encourages households to take out maximum loans and make minimum repayments,' the bank said at the time.
et dans les commentaires un lecteur qui dit que certaines barraques ne vaudrait plus rien à cause de la montée des eaux (des villages évacués en ce moment :voir
of course, if the Dutch continue to vote in the Republican-like VVD and other conservative parties that are more interested in short term gain and growth (road building instead of investing more in public transport, for example) than dealing with climate change issues and solutions, then the homes and property will be worth nothing here. the country will be flooded which is starting to happen now, and this is only the beginning.
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Re: Pays-Bas / Amsterdam

#91 Message par ausgelander » 12 janv. 2012, 15:28

House prices fell by 4% in 2011

Thursday 12 January 2012

source : DutchNews.nl
House prices fell by an average of 4% last year, the Dutch estate agents organisation NVM said on Thursday.

In total, 118,000 properties changed hands, a drop of 7% on 2010. The drop in sales in the fourth quarter was 13%, compared with the same period in 2010, the NVM said.

The organization expects prices to drop by a further 5% this year.

Tax cut

The government's decision to cut the tax paid on property transactions from 6% to 2% of the value has not boosted the housing market as hoped, property experts told the Telegraaf.

Estate agents had hoped the tax cut would boost the number of properties changing hands by 10% but that is far from being reached, the paper says.

The cut has shaved thousands of euros off the cost of buying a house but has failed to convince people to take the plunge.

Banks have also brought in tougher rules on mortgages, reducing the amount of money people can borrow. In addition, only half the loan home owners borrow may be in the form of an interest-only repayment mortgage.

Estate agents

Meanwhile, the NVM says in the Financieele Dagblad that the housing market crisis has not led to fewer people taking up the profession.

On Monday, 14 new estate agents were sworn in, in line with developments in recent months, chairman Ger Hukker told the paper.

Nevertheless, many established companies are on the verge of bankruptcy, the paper says. Many carry out 20 or fewer transactions a year which generates an income of between €1,500 and €2,000 a month, Hukker told the paper.

In 2006, estate agents sold some 210,000 homes but last year the total almost halved to 121,000. The NVM has some 3,500 members, rival organisation VBO 1,011 and the smaller VastgoedPRO 797, the FD said.
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Re: Pays-Bas / Amsterdam

#92 Message par ausgelander » 17 févr. 2012, 17:04

House sales down 15.4% in January

Friday 17 February 2012
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The number of homes changing hands in January fell by 15.4% compared with the year-earlier period, according to new figures from the land registry office. Apartments were hardest hit, with 21% fewer sales.
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Re: Pays-Bas / Amsterdam

#93 Message par ausgelander » 18 mars 2012, 17:38

toujours moins de ventes de maisons aux pays bas :

House sales drop by 18%

Friday 16 March 2012

source : dutchnews.nl

The number of houses sold dropped by 18% in February compared with the year-earlier period, according to figures released on Friday by the land registry office.

Last month 7,805 houses changed hands compared with average monthly sales in 2011 of 10,061. The number of mortgages was down by one-third on last February.

Apartments in particular did badly, says the land registry, down 22.4%. In January the figure was 21.4%.

Detached houses did better, with a 2.2% decrease in sales compared with 5.8% in January.

© DutchNews.nl
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Re: Pays-Bas / Amsterdam

#94 Message par aquafiestas » 18 mars 2012, 19:14

Merci du suivi.

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Re: Pays-Bas / Amsterdam

#95 Message par ausgelander » 27 mai 2012, 07:56

ça baisse toujours plus !

source : Conjunctuurbericht, maandag 21 mei 2012 9:30 - CBS
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Prijsdaling bestaande koopwoningen groter

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Re: Pays-Bas / Amsterdam

#96 Message par parisien » 27 mai 2012, 09:33

ausgelander a écrit :ça baisse toujours plus !

source : Conjunctuurbericht, maandag 21 mei 2012 9:30 - CBS
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Prijsdaling bestaande koopwoningen groter

Image
Au niveau du % de verandering t.o.v., c'est plutôt le dezelfde maand, ou bien le jaar eerder qu'il faut regarder ?
A moins que ce soit le Prijsdeling qui est bestaande.
Mais que viennent faire les koopwoningen là-dedans ? :shock:

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Re: Pays-Bas / Amsterdam

#97 Message par ausgelander » 21 juin 2012, 17:27

House prices fell more sharply in May

Thursday 21 June 2012

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House prices fell 5.5% in May, compared with a year ago, meaning the price drop is accelerating, the national statistics office CBS said on Thursday.

In April, house prices were down 5.2% and in March 4.7%, the CBS said.

The price drop affected all parts of the country and all housing types.

The lower prices may be encouraging more people to take the plunge. Earlier this week, land registry office figures showed 2.7% more homes changed hands in May compared with a year ago.

Nevertheless, only 42,000 homes changed hands over the first five months of this year, down 12% on 2011, the CBS said.

Breathing new life into the housing market is likely to be a central theme in the forthcoming general election. In particular, mortgage tax relief is likely to be reformed.
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Re: Pays-Bas / Amsterdam

#98 Message par ausgelander » 13 juil. 2012, 06:59

House sales pick up in second quarter but prices fall again

Thursday 12 July 2012
source : DutchNews.nl
lien
There are signs the housing market may be beginning to recover following the publication of new figures showing a rise in sales over the past three months.

The number of homes changing hands rose 20% in the second quarter of this year compared with the first three months of 2012, the estate agents' organisation NVM said on Thursday.

The NVM says the rise is due to uncertainty over potential changes to the property transfer tax, which was reduced from 6% to 2% last July for what should have been 12 months. However, MPs agreed in May to leave the tax at its present level, easing the pressure on buyers.

'There is also a new sense of realism in the market,' NVM chairman Ger Hukker said in a statement. 'People are being more realistic about prices and the market is moving.'

Prices were down 0.7% on the first quarter, with the average price falling to €215,000, the NVM said.
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Re: Pays-Bas / Amsterdam

#99 Message par ausgelander » 10 août 2012, 21:13

A quarter of Dutch homes are in negative equity

Friday 10 August 2012

source:DutchNews.nl
Nearly 25% of Dutch house owners will be in negative equity by the end of 2012, ING economists forecast in their quarterly monitor on the housing market.

The economists base their calculation on a further fall in houses prices this year and in 2013 of 5%.
This estimate is based on the housing market regulations put forward for 2013 in the five-party austerity package.

Around 3.5 million households have a mortgage on their home. In mid-2011, 517,000 owners were in negative equity, a figure that is set to rise to 800,000, say the economists.

However, they point out this figure does not take account of possible financial buffers. Some of the 800,000 will be able to pay off the negative equity with savings or other capital.

They calculate this will leave around 200,000 families with negative equity of €30,000 or more, while half of them saved just €16,000 in 2011.
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Re: Pays-Bas / Amsterdam

#100 Message par ausgelander » 21 août 2012, 17:21

House prices fell 8% in June, sharpest drop in 18 years


Tuesday 21 August 2012

source : dutchnews.nl
Dutch house prices fell 8% in July compared with the year earlier period, the sharpest drop since a new way of calculating the change was introduced in 1995, the national statistics office CBS said on Tuesday.

House prices are now on a similar level to eight years ago and down 15% on their 2008 peak, the CBS said.

House prices fell across all parts of the country but the reduction was strongest in the northern province of Friesland.

Some 66,000 houses changed hands in the first seven months of this year, down 3% on the same period in 2011.

According to the national estate agent’s association NVM in April, the average price paid for a home is now €214,000, compared with over €228,000 a year ago.
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