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"I will not undersell" has become the buzzword of English with property for sale.


(A must read before Buy a home now that they have fallen )

According to the dictionary - undersell: Selling cheaply, with little or no profit

Human nature never ceases to amaze me. Assimilate naturally in a little over a decade, housing prices have risen from 700 € / m2 to 2500 € / m2, which represents an increase of more than 250%, but to sell 10% below maximum price achieved what we consider a weak own stupidity.

Do not assume that "selling off" once again see past prices?, Do we have today a 250% pay more than 10 years ago?, Will you return the banks to pay obscene amounts submileuristas in precarious jobs?, is there a baby boom among the new generations applicants for housing?

saw the entry above, Buy a home now that they have fallen , as there are none of these circumstances, so there is no favorable factor to be kept artificially high housing prices.

We exemplify the case today who can sell a flat 10-15% below the peak reached prefers not miserable price and expect not really know what.

fotocasa.es According to the index, the current average price of housing in Spain is € 2,541 / m2. According to the same real estate portal, from highs of housing has fallen by 13.92%, and during the past year has been 9.2%.

Accordingly, an owner of a middle floor (90 m2) is losing € 21,000 each year by the depreciation , and remember to return to the historical ratio of house prices and household income (which they always reverts ), prices have to fall about 50% from highs, which is not a catastrophe after rising by 250%.

If the owner decides to rent the house, she will receive about € 805 per month, also according to the average price index Fotocasa, which lost "only" € 11,340 per year. All this without considering taxes, maintenance, spill or the life property and does not increase with each passing year, as some seem to believe.

If in addition it appeared that the floor has been purchased with borrowed money on top of the market, the numbers would be shocking. The floor would have cost € 228,690, with expenses and taxes would be around 250,000 €. With a 30-year loan, even assuming that the Euribor be kept at low levels and considering an average point differential during the first seven years would pay on average € 600 per month interest-only, for a total fee of 1,071 € . € 7,200 / year of money thrown in interest, together with the € 21,000 annual depreciation would mean an annual loss of € 28,200 per year for the owner who had bought on the roof and were paying their mortgage.

€ 28,200 With that money we could rent three floors lying like bought, because do not forget that within that amount is not considered the amortization of the mortgage, only money that could be considered as actually invested. Shopping at the ceiling is pulled three times each year by renting money. Really

that those who sell cheaper today than yesterday is selling off? Yes, indeed, is selling off as defined in the SAR, since in some cases would be selling low or no gain (or loss), but might be more sensible about the expected future price of housing.


enclose below an interesting video on the U.S. housing bubble, the time during which he denied its existence.

now know that U.S. prices have fallen almost 40% since the outbreak, and its overvaluation in the ceiling was much lower than in Spain today.