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The IRPH, that great unknown


Maybe many do not know which is the IRPH, in fact I myself did not know until recently.
When they talk in the media of mortgages, the only thing they talk about is the Euribor, it seems that only exists when the reality is that many ordinary españolitos are suffering

IRPH read this perhaps many will ask, but what the hell is the IRPH?, is IRPH Reference Index mortgages.
where does the IRPH?, Is an interest rate that is given by the average of the differential applied + credits signed by banks and their customers over the past three months. is an index that includes in itself the Euribor and the spread (commission) that banks charge for this, Aas now the banks are increasing spreads to their customers, those with this interest rate as reference, we are eating the more expensive , which does not happen to have the Euribor, which has signed a perennial Euribor and a spread no matter what happens with the bank, we may assume that an index is a minority but remember that in 2004 nearly 20% of mortgages that were opened in Spain (and many of whom are still alive and revised) were signed with the IRPH. even today, 6% of loans (mainly firms) are signed with this index. taking into account the mortgage lending data given by the ine, one can conclude that only in the last five years it will be signed about a million mortgages with reference IRPH IRPH very expensive.
If we compare the Euribor IRPH when paying a mortgage, it leaves you a lot more expensive if you have a mortgage with IRPH.
just one example, a loan of 208,000 € to 30 years with IRPH, as of today would pay € 1320, however with the amount payable Euribor serious of 824 €, Nearly 500 € difference, something very hard to take for any family's pocket.
In view of these data, I can only say a terse "no comment"

Teacher-themed Weddinf

As I said in my previous letter "Chronicle of a Death Foretold", things have reached a situation where I only have two roads are actually three as the director told me the bank branch where I have the mortgage.
One is to stop paying the mortgage, in which case the bank executed the mortgage and between barristers and solicitors costs I would be ruined for life (which novelty, did not I already now?.
Another option is that the bank is left with the house and I stayed in rented it, (nor is it the best solution because it would leave the pan to fall into the coals) and would be paying some money and the house will never be mine.
The last option is that the bank on its part to make a reduction in the amount of money I have to pay monthly mortgage (not a great solution as it would be "bread for today, hunger tomorrow) but good in evil is the best solution.
the moment is the option we chose, the branch manager requested in my name the bank to make me ea rebate, so for now "the ball is in your court" is they who have to decide if yes or no, but as the last option is the di me in my previous letter, before me sleeping on the street I lock myself at home with a petrol container and we'll see what's left of my home and if you add up four gas bottles .....
I hope things get fixed before being forced to the drastic solution, before I prefer death than living on the street.

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The final countdown Chronicle of a Death Foretold

Although it seems that I will talk about the famous novel by Colombian writer Gabriel García Márquez's not my intention. Whose really

I will talk about is me, how I have become weary of this life and the circumstances that led to today is in a situation where I do not care to live or die.

It all started when tired of being assaulted, insults and other abuse in her neighborhood decided to move house and go to another quiet neighborhood, contact a realtor who offered me a product called mortgage moving house the person who carried out all management, each time she talked to told us something different as we had signed some documents that if we backed down on the purchase of new floor had to pay five thousand euros, for seeing things and continue with the arrangement.

The thing is that we were promised that the old house would sell for two hundred and twenty thousand euros while selling only have to pay the mortgage on the new house, well after all it turned out we were paying two mortgages, one of seven euros and one hundred euro mortgage, this individual sell soon after the house asked for the bill and left the property and real estate no longer wanted to take care of what we had offered that person.

The problem came later when he was finishing the remainder of money we had and the payrolls that we charged were not going to get to deal with mortgages, and view things and seeing that things were going to get worse and worse began to make small cuts in the price we had made the old house until it tight for having left without financial means to us saw in the obligation to sell the house seventy thousand euros per cent instead of the two hundred twenty thousand euros with which we had any illusions from the beginning.

In short, instead of keeping a mortgage of EUR seven had us believe, we find a surplus hipotecon of 1200 euros and not only that, but as the months passed and the house was sold for as We earned nominations that we are not came to pay their mortgages, eat and make ends meet, the solution step by pulling credit card total when you sold the house we were extremely indebted.

Nearly two years after this whole ordeal, a suicide attempt, from the brink of a nervous breakdown, to see how much we work not to get ahead comes after a fruitless search in order to change another job and receive best answer the many "we'll call" and could not find a better job, or even work as a freelance courier with own van.

It may be that after being so long in deep water have lost the prospect to leave before this mess, the case is that I'm tired of struggling to get nothing, and before me that the bank is our home and we ended up living on the street, before that happens , I lock myself at home with a can of gasoline and burned the house with me inside.

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Euro, Euribor and European Central Bank


These days there is much talk of crisis and perhaps many ask the question, Who is to blame for that we are suffering the p. .. crisis?

The main culprit is the Euro, since we put the Euro, things have gone from bad to worse, the current prices of products and services in euros, compared with the previous price in pesetas have increased in a few years so that in some cases have doubled, for instance before the entry of the euro in a bar you wouldst hook and a tea and coffee were paid 240 pesetas, now you take the same and you 2.60 Euros to pay the equivalent of 435 pesetas (depending on which bar the price may be higher) and as that example many more.

The next culprit is the Euribor, which to the despair of the suffering mortgage does nothing but go up, every time we are but we are waiting for mortgage holders with real terror when we date the mortgage check to see that our increasing purchasing power is reduced more.

and ultimately the European Central Bank, which is the culprit that the Euribor rise and rise.

To finish the job finished salaries remain almost the same as before the entry of the Euro, the majority of workers are mileuristas (charge around a thousand Euros) that resulted in ESP are more or less 166,386 pesetas, although we do not collect many thousand Euros or away, and with these salaries, which would be to laugh if it is pathetic to have to do miracles much of the English to make ends meet.