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House Price Crash Forum


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About DustyDog

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    HPC Poster
  1. If there were to be a cap on rents then fewer people would buy houses. Many would suddenly realise that they could afford to rent their dream home instead of having to settle for some crappy two-up-two-down mid-terrace in shitsville. There would be huge demand for top quality rental properties. Landlords would have to come up with new ways to price out the undesireables.
  2. If you win the auction and pay up the £520 or whatever it ends up as, do you still have to pay for the lunch?
  3. I believe that all public transport (buses and trains) should be free to anyone. Get the population moving around. Good for the oldies to get them out and about. Good for the younger allowing easy commuting to work. Good for the kiddies so they don't have to be driven to work in their mums 4x4s. Will free up the roads from traffic congestion. Will create loads of jobs for drivers, organisers, bus and train staitons, etc. Will create loads of jobs in manufacturing if buses and trains were actually built in Britain. Yes, it has to be paid for, but it might get the unemployed back to work and make working for a living worth it if transport costs were zero. A system like that would be the envy of the developed world. Public transport run for the benefit of the public.
  4. I've been reading this forum for a good few years now and, like many others, have believed all the arguments as to why prices must fall. But they haven't.
  5. Politicians and the general public are only looking after their own self-interests. Who cares what happens when we die as long as our own children can get a head start. No one cares about anyone else or anyone elses children. And the terrible thing is that everyone is doing the same thing. As much as I feel for the younger generation, my priority is for my own family. I would love house prices to come down to affordable levels so that my kids can have a place of their own as I have. Of course, it's easier to want that HPC knowing that it isn't going to affect me. I'm not moving anywhere (I hope).
  6. People aren't getting reposessed. Mortgage holders cannot afford to lower their asking prices. The rental market is still good. Interest rates are not going up. Stalemate. More and more people will rent their properties out rather than sell for a loss or enter negative equity. Should banks decide to reposess then the council will pay the rent of the reposessed to private landlords. There will always be a rental market and as long as rent is enough to just about cover mortgage payments then the reluctant landlords will simply accept that. They won't think about downtime or repair costs or the place being empty for a few months. As long as the monthly rental is somewhere close to the mortgage level and can keep the bank happy then they will stick it out until prices rise enough to break even. Meanwhile they simply leave the property on Rightmove or wherever, just in case. Couple of guys at work have recently bought a BTL apiece and easily found private tennents to pay the mortgage for them. It's to boost their pension, of course, what else?
  7. Pointless. All very well valuing houses in gold, but people aren't paid in gold are they? Value the average wage in gold as well and then look at how much more affordable houses are.
  8. Is it just me or does that image of the spaceman's helmet blinking give anyone else the creeps?
  9. We've been self-sufficient in electricity for quite a while now, but the batteries just don't hold as much charge as they used to. This means that the backup genny comes on more often and for longer periods of time. You don't need to spend many thousands in order to live off-grid. We only have about 400 watts of solar panels. Arranged in a 24v array they provide just over 10 amps in full sunlight. The battery bank was about 600ah and initially provided all the power our house required. The house is badly insulated but being in the south of Spain, we can get away with just using a wood burner and a strategically routed chimney to provide the bulk of our heating during the few cold winter months. We don't go without modern utilities: we have 230v electric lighting throughout; a full-sized fridge/freezer that runs off bottled gas; cooking is with a wide five-burner hob and oven, again running from a gas bottle; Hot water is provided by solar or a gas heater in the winter; we have tv, internet, hi-fi, mobile telephones. We don't have such luxuries as a fast-boil electric kettle, our is a hob-top old-fashioned thing that works just as well, if a little longer to boil. Then in the rare occasions that we have several days of continuous cloud cover and the batteries are starting to deplete we have to run the generator for a couple of hours or so. This is connected directly to the inverter which doubles as a powerful battery charger so that the batteries get a super-fast charge at the same time. So when I say we are off-grid, we still rely on bottled gas (there's no mains gas in this part of Spain), and a can of petrol for the genny once a month. Now that the batteries are starting to fade we have had to take the bad ones out of the bank and are now down to about 200ah, and these are not going to last much longer. So the decision has to be made: Replace the batteries and invest in more panels or bite the bullet and just connect to the mains. The cost is going to be similar so the mains vote gets it. The real decision-maker for us is not the price of solar panels but the price of batteries. Even with a 240v solar array you still need something to store that charge in when the sun goes down.
  10. Is it my imagination or is there a laughing cartoon face in that cloud? Spoils the image when you realise it's computer generated.
  11. It certainly can but deep-cycle batteries are hugely expensive now. My house is not connected the mains and runs from solar with a generator backup. Managed perfectly well for the last seven years (family of five - three young children). We've now got to the point where we have to replace our battery bank and upgrade our system with extra panels, or alternatively connect up to the grid. Replacing the batteries will probably cost a grand for decent quality batteries. New panels at 3€ a watt seems a reasonable price, and seeing as over here in Spain we get over 300 days of sunshine a year, would probably be worth doing. Instead we're going down the mains route. Getting to the stage where we need more power - children growing up and wanting electrical items, fed up with always being the "light police" and having to watch how much power we consume. Looking forward to getting mains now so that we don't have to worry if we leave a light on, nor how many computers I can be running at one time. The Internet and routers can stay switched on permenently, we can use an electric toaster instead of the gas grill. You don't realise how much you miss things until you go without.
  12. I have lived here in Spain for the last seven years and can tell you that if you are below retirement age and not working in Spain then you are not entitled to use the Spanish NHS system. The EU Health Card (old E111) is valid for emergency treatment only. A number of Brits that I know do abuse this system by claiming everything is an emergency and managing to get away with it, but I suppose you have to be lucky everytime. Health is one of the main concerns for expats below retirement age, and even if they have children they cannot access the Spanish NHS unless they are officially working and paying tax into the system. They have to pay for a private health insurance policy. As for benefits such as unemployment benefit, forget that as well. If you're not paying in, you don't get anything out. That's Spain for you. Unless you're above pension age.
  13. This statement is not true in Spain. Foreigners here do not qualify for benefits unless they are Spanish nationals or have paid into the Spanish tax system for a number of years. UK nationals cannot just come over here and sign on. If they could then why would any unemployed person want to be in the UK? If your skint, better skint in the sun than the rain.
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