One of the ways to access to housing for the purchase, whose main asset
is the acquisition of the property itself. This system is indirectly saving
money because they are making financial contributions that can be recovered in
the future.
In Spain igualatoria look for
a trend in the housing market. So, the Ministry wants to balance the number of
people who buy a house and from which the rent. Its purpose is to freeze the
price increase.
Advantages
of buying a house
· Housing remains
the property.
· Well to be
reassessed over the years.
· Tax on income tax
returns.
· For the price of a
rental is possible to have a home of their own.
Disadvantages of buying a house
· Financial
contribution initial high.
· The amount of
paperwork and effort involved a cost of approximately 10% of the total price.
· Additional costs
such as maintenance and insurance.
· Indebtedness in
the event of funding.
Comparison
Table
|
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Yes
|
Contrary
|
|
Buy
|
Housing remains the
property, either to be reassessed with the passage of years, tax benefits in
the statement of income, the price of a rental is possible to have a home of
their own.
|
Financial contribution
initial high amount of paperwork and effort involved a cost of approximately
10% of the total price, additional costs such as maintenance and insurance,
in case of debt financing.
|
|
Rent
|
There is no need for a
financial contribution initial high economic risk lower than in the purchase,
ease of changing housing, maintenance by the owner, bears no costs involved
such as paperwork and effort.
|
The permanence depends on
the renewal of the contract, loss of plant and the cost of reforms while
leaving the house, rising incomes under contract 1 year to 5 years, annual
increase of the CPI, penalties if they leave the floor before the
stipulations it is a total expenditure, sometimes you need a banker, often
must pay a bond that is lost if it violates any provision of the contract.
|
Remarks
This market has benefited
from lower interest rates and the tax advantages of buying a home or investing
in a housing account.
In addition, individuals who
meet certain requirements may qualify for a Housing Protection Officer (VPO).
They have a lower cost and are subsidized.
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