IRLANDE

[ausgelander]

Le rappot daft nouveau est arrivé !

ça fait toujours plaisir, même si je les soupçonne d'être encore trop optimistes (faut pas oublier que c'est un site d'annonces immobilières )!

Pour les locations :

16th February, 2010 - Rents across the country rose by just over 1% in January, according to the latest report published by the property website, Daft.ie. This increase while marginal is the first time rents have risen since they began to fall 24 months ago. The national average rent now stands at €765, almost 25% below peak levels seen in early 2008.

The January increase follows sharp falls in rents during 2009. Over the course of the year, Dublin rents fell almost 19%. Rents in Cork, Limerick and Waterford cities fell by 16%, while Galway rents fell by 11%. Elsewhere in the country, rents fell by an average of 15%.

lien vers le rapport complet :http://www.daft.ie/report/Daft-Rental-R ... 4-2009.pdf

pour les ventes
7th January 2010

Asking prices for residential property around the country fell by 19% during 2009 and are now more than 30% below their peak levels of early 2007, according to the latest report published by property website Daft.ie. The national average asking price at the end of 2009 was €242,000 - a fall of €107,000 from the peak.

The rate of decline in asking prices has varied across the country. In Dublin, asking prices have dropped by up to 42% - while in Cork, Galway and Waterford, asking prices fell by approximately 30%. In Limerick, drops were on average 25%, while elsewhere in the country, prices are now on average 30% below their peak in early 2007. In most parts of the country, the average time to sell a typical property now takes about 9 months, while Dublin has fallen to four months.

lien vers le rapport complet :http://www.daft.ie/report/Daft-House-Pr ... 4-2009.pdf

[ausgelander]

House price fall could be worst in history: academic

source tribune.ie

lien :http://www.tribune.ie/business/article/ ... y-academi/
July 25, 2010

Irish house prices could fall by as much as 70% from their peak and rival the steepest drops ever recorded in the advanced world, a leading housing researcher has warned.

Kevin O'Rourke, professor of economics at TCD, said it would be better for the economy if house prices here rapidly hit the bottom because otherwise the slump could extend for years.

O'Rourke said that international research suggests that when house prices fall for more than 30 successive quarters, or seven to eight years, that price falls "take on a life of their own" because buyers and sellers come to expect even more price falls.

Housing experts say that many parts of the housing market here have already dropped by over 50% from the peak prices reached in 2006.

et un petit débat sur RTE (ce n'est pas le professeur mais quelqu'un d'autre, regardez comment le type de gauche est applaudi (part3)!)

Debate between Derek Brawn, author and David Cantwell of Hooke & MacDonald.



des exemples de negative equity


On dirait que "le vent se lève" en Irlande !

[ausgelander]

Up to 300,000 homeowners in negative equity

source :independant.ie
lien : http://www.independent.ie/national-news ... 07456.html

By JEROME REILLY and LOUISE McBRIDE
Sunday January 23 2011

THE spectacular fall in property prices is even worse than was stated by a government economic think tank last week -- up to 300,000 homeowners are now in negative equity.

Expected interest rate hikes will mean another 30,000 people -- roughly the population of Dundalk -- will struggle to meet their mortgage payments by the end of the year.

But last week, tens of thousands of workers who received their monthly salaries discovered the true extent of the tax and levy increases introduced by Mr Lenihan.

Couples on average pay have had their net income cut by €140 a month.

Workers on the top tax rate are now burdened with paying 52 per cent of their gross pay in taxes and through the new universal social levy.

Official figures given to Labour finance spokeswoman Joan Burton show that 91,000 PAYE workers will move from the 20 per cent standard rate to the top 41 per cent rate.

It means that many of those thinking about buying property will have to re-evaluate their figures to take account of drastically reduced take-home pay.

[Trunks]

C'est la bérézina

[ausgelander]

One in four fears losing their home

By JEROME REILLY

Sunday January 30 2011

source : independent.ie

lien :http://www.independent.ie/national-news ... 16787.html

Un irlandais sur 4 craint de perdre sa maison...

This is the first national opinion poll to quantify the worries of the Irish people since the EU/IMF bailout and the implementation of new taxes, including the Universal Social Charge.

Two-thirds (66 per cent) are worried about paying their household bills.

A majority (76 per cent) are worried about having to reduce their standard of living.

And nearly two-fifths (39 per cent) are worried about losing their job this year.

And it is that age group -- broadly between 25 and 50 years -- who are most worried about losing their jobs, presumably because this is the age group which has most financial responsibilities and dependents.

That age group is also the most likely to be worried about losing their home. In all, 37 per cent of 25 to 34 year olds and 34 per cent of 35 to 49 year olds are worried about losing the roof over their heads this year.

This is the cohort most likely to have have bought their homes during the celtic tiger era and also the most likely to now be deep in negative equity.

[parisien]

300 000 propriétaires potentiellement en negative equity dans un pays de quatre million et demi d'habitants, c'est énorme !

Ramené à la France, ça correspondrait à plus de 4 million de negative equity !

[ausgelander]

Brokers fear 20,000 home repossession cases in year

By JEROME REILLY
Sunday February 06 2011

source independant.ie
lien :http://www.independent.ie/national-news ... 27398.html

Ireland is facing an avalanche of between 15,000 and 20,000 home-repossession cases in the next 12 months, according to the Irish Brokers' Association( IBA).

The warning comes as Ulster Bank looks set to increase its interest rates for mortgage holders.

Just last Thursday, Permanent TSB announced a one per cent increase in mortgage rates for standard variable rate customers.

Ulster Bank is set to confirm an increase in its mortgage standard variable rate by 0.5 per cent, from 3.85 per cent to 4.35 per cent, from March 1. On a mortgage of €300,000, the move will add more than €90 to the monthly repayments.

Replying to the suggestion that mortgage interest relief for first-time buyers should be abolished in order to help pay for the new Fine Gael proposal, Mr Gilmore said he was of the opinion that it was probably unfair to ask somebody's younger sister to pay for the mortgage problems of their older brother.

[neron]

Sans compter la baisse des salaires. Un effet kisscool.

[Sifar]

http://www.franceculture.com/emission-d ... 02-25.html
'On a acheté la maison, les prix étaient au plus haut. Et on nous a un peu poussés, en nous disant qu'il y avait une liste d'attente mais qi'on avait un traitement de faveur. En fait, il y n'y avait personne sur cette liste. Du coup, c'est nous qui avons payé le plus cher de tout le lotissement. 315 000€. Et en quatre ans, on a remboursé 12 000 €, et payé 30 000 € en intérêts'...
C'est pas ma faute, on m'a poussé, m'sieur.

D'autres reportages de la même eau sur la page.

Vite, une grande politique d'investissement ( fibre optique ), faisons chauffer la planche à billets pour sauver ces gens.

Je vous laisse, je vais mettre de l'encens devant les statues de Darwin et Wallace.

[ausgelander]

Les Irlandais votent aujourd'hui pour élire leur parlement, et changer le gouvernement. Le Finne Fail, parti dominant depuis 1932 devrait connaitre un échec cuisant, conséquence de sa gestion désastreuse qui a mené le pays au bord de la banqueroute. Les Irlandais suspectent ce parti d'avoir laissé la bulle immobilière gonfler, pour favoriser ses amis promoteurs immobiliers.

les bureaux de vote ferment à 10H00 ce soir...

[Fad75]

Du coup, c'est nous qui avons payé le plus cher de tout le lotissement. 315 000€. Et en quatre ans, on a remboursé 12 000 €, et payé 30 000 € en intérêts'...
C'est pas ma faute, on m'a poussé, m'sieur.
.

1/4 remboursement du prêt, 3/4 intérêts... Pas trop possible ça en France, heureusement.

[Gaucho]

Du coup, c'est nous qui avons payé le plus cher de tout le lotissement. 315 000€. Et en quatre ans, on a remboursé 12 000 €, et payé 30 000 € en intérêts'...
C'est pas ma faute, on m'a poussé, m'sieur.
.

1/4 remboursement du prêt, 3/4 intérêts... Pas trop possible ça en France, heureusement.

Non, c'est sûr, on ne calcules pas les tableaux d'amortissements de la même manière en France

[Fad75]

Du coup, c'est nous qui avons payé le plus cher de tout le lotissement. 315 000€. Et en quatre ans, on a remboursé 12 000 €, et payé 30 000 € en intérêts'...
C'est pas ma faute, on m'a poussé, m'sieur.
.

1/4 remboursement du prêt, 3/4 intérêts... Pas trop possible ça en France, heureusement.

Non, c'est sûr, on ne calcules pas les tableaux d'amortissements de la même manière en France

Pas compris.

[Franck14]

...1/4 remboursement du prêt, 3/4 intérêts... Pas trop possible ça en France, heureusement.

Non, c'est sûr, on ne calcules pas les tableaux d'amortissements de la même manière en France

Pas compris.

cqfd

[Fad75]

Sympa de discuter avec vous les gars.

[ausgelander]

New Irish government to seek better terms on EU bail-out

ANDREW WILLIS

Today @ 09:25 CET

source eu observer : http://euobserver.com/9/31881

An overhaul of the club's budgetary rules is also on the agenda, as are plans to boost the economic competitiveness of individual member states. Mr Kenny has indicated he will seek a reduction in Ireland's borrowing rate, together with compulsory "haircuts" on unguaranteed senior bank debt, as part of the overall package.

Germany has been a driving force behind the high interest rate attached to EU loans as a means of dissuading potential borrowers, but economists argue that the punitive rate and Ireland's low growth prospects mean the country's debt pile can only go up in the coming years.

Berlin is expected to request something in return from Dublin if it agrees to improved lending terms. Plans for increased eurozone competitiveness, currently being drafted by the staff of European Commission President Jose Manuel Barroso and European Council President Herman Van Rompuy, contain calls for member states to include a 'debt brake' but no provisions on increasing corporate taxation, reports the Financial Times.

Ireland has so far resisted Franco-German calls to increase its 12.5 corporation tax, arguing it is key to the country's economic recovery.

Le Fine Gael vainqueur des élections veut negocier les conditions du bail out avec Bruxelles tout en essayant de garder la corporate tax à 12,5 % ?

[slash33]

En fait, un très récent référendum populaire dont on a pas parlé ici, a par une écransante majorité dit "on ne veut pas des contraintes imposées par l'Union Européenne"... ils veulent tout simplement faire défaut et laisser les créditeurs en plan.

[domcat74]

La crise en Irlande, vue de Limerick

Et l'Irlande s'enfonce dans le chômage, comme à Limerick, petite ville sinistrée depuis la fermeture de l'usine Dell.

http://www.telerama.fr/monde/la-crise-e ... ,66028.php

[coincoin]

Bourso, aujourd'hui:

Irlande : une fièvre spéculative nationale à l'origine de la crise

http://www.boursorama.com/infos/actuali ... 40b8b0de85

...la crise qui a ravagé le secteur bancaire national...est la conséquence d'une "folie spéculative nationale", qui s'est emparée de l'ensemble de la société et a provoqué l'apparition d'une bulle sur le marché immobilier entre 2003 et 2009.

KEUWAH?
C'est la faute à personne, c'est la faute à la folie.

Qu'est-ce qui a bien pousser tout ces prolo à vouloir dépenser de l'argent qu'ils n'ont pas?

[ausgelander]

Property Crash - Where to now?

RTE, emission du 10 octobre 2011

en ex, un couple qui a acheté une baraque à 300 000 et qui est maintenant estimée 150 000...



je n'ai pas trouvé l'émission en entier

[Duareg]

Property Crash - Where to now?

RTE, emission du 10 octobre 2011

en ex, un couple qui a acheté une baraque à 300 000 et qui est maintenant estimée 150 000...



je n'ai pas trouvé l'émission en entier

http://www.rte.ie/player/#!v=1116362

[Hippopotameuuu]

[Gaucho]

Covered by ECB insurance, Ireland leaves periphery behind
http://uk.reuters.com/article/2013/08/0 ... O220130806
Marius Zaharia, Tue Aug 6, 2013 3:38pm BST

A back up plan for when Ireland eventually returns to the bond market means it should be covered by the European Central Bank's bond-buying scheme, a prospect that has pushed Irish short-term borrowing rates far below those of Spain and Italy.

Un plan de sauvegarde applicable lorsque l’Irlande retournera finalement sur le marché obligataire signifie qu'elle sera couverte par le mécanisme de rachat d'obligation de la BCE*, une prospective qui a poussé les taux d'emprunt à court terme très en dessous de ceux de l'Espagne et l'Italie.

*Il s'agit du programme OMT - Outright Monetary Transaction - me souviens plus de l'appellation FR

With markets rewarding Dublin for its implementation of its international bailout program, 10-year Irish yields now trade at around 3.90 percent, 35-65 basis points below their Italian and Spanish equivalents.
But the gap between yields on two-year bonds is almost double that, at 95-105 bps.

"The expectation is that Ireland will soon be eligible for the OMT - not that it would have to use it, just that it would have this safety blanket," said Nick Gartside, chief investment officer for fixed income at JPMorgan Asset Management.

Bref ça à l'air d'aller mieux, du moins du côté des capacités d'emprunts, du côté de l'Irlande.

[Gaucho]

Un modo peut-il fusionner ici ces deux files ?
Irlande : bilan de cinq ans de krach....
Irlande: jusqu'a -62% depuis le peak