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  #21  
Antiguo 28-oct-2006, 09:59
RANGER RANGER está desconectado
Ilustrísimo y grandísimo miembro de la élite burbujista
 
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Cześć. Jesteś z Czech albo Słowacji? I have a bit trouble understanding all you wrote. (Czech or Slovak to Polish is, I think, like Portugeese to Spanish).

I think before Poland joins euro, the boom would be gone. The current goverment is in no rush and the budget balance is still above Maastricht criteria. Poland would join euro in 2012 or later.

The nasty thing in mortgage market is that people take mortgages in Swiss francs. They are even cheaper than in euro and because of the capital inflow, the zloty is strenghening so they almost think it is free money. But the borrowers risk a lot. In a downturn, if zloty devaluates, they would be buried in debt.

Nie doetikae muj piuke, Tochovista spierdalej.


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  #22  
Antiguo 28-oct-2006, 10:01
El_Emigrante El_Emigrante está desconectado
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Cześć. Jesteś z Czech albo Słowacji? I have a bit trouble understanding all you wrote. (Czech or Slovak to Polish is, I think, like Portugeese to Spanish).

I think before Poland joins euro, the boom would be gone. The current goverment is in no rush and the budget balance is still above Maastricht criteria. Poland would join euro in 2012 or later.

The nasty thing in mortgage market is that people take mortgages in Swiss francs. They are even cheaper than in euro and because of the capital inflow, the zloty is strenghening so they almost think it is free money. But the borrowers risk a lot. In a downturn, if zloty devaluates, they would be buried in debt.

hahahha!!!
Czecz!!!!
jestem catalansko, ja mlubim cesky a polsky ale ja wiem polsky mojie je mezi cesky... a moje cesky je mezi polski

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it's been ages since i last spoke (and wrote) polish but still love it!
spent some time in poland and in Czech Rep... people in Prague used to say I spoke polish and people i warzsawa said I spoke some funny cesky... t'was so funny!
In Poland always felt people were very nice, kind & friendly... cold country and warm hearts, but please don't be kind to all these vampires blood suckers who try to exploit your land!! (specially if they're spanish ;-))

Best regards poszi!!!

Tomba! Tomba! Tomba!!!

Originalmente Escrito por >> 47 <<
W Katalonii luvimy Polska vartzo.

Pravdie!!

Última edición por El_Emigrante; 28-oct-2006 a las 10:08


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  #23  
Antiguo 28-oct-2006, 13:02
Saint Germain Saint Germain está desconectado
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I'm sorry I know Spanish too little to write in your language.

I'm from Poland (but temporarily living in USA) and I can tell you that the bubble in Poland is absolutely crazy, especially this year. There are some foreign investors (mostly from Spain, Ireland and UK, sounds familiar ) but nevertheless the demand is in large part domestic. Real estate "analysts" spread fear and panic claiming that the boom would continue and Poland would mirror the fate of Spain and Polish prices would match Spanish some day despite the salaries which are a fraction of western ones. People take crazy mortgages, mortgages in local currency are too expensive for most of the people (even though the central bank interest rate is at record low: 4%) so 3/4 mortgages are in Swiss francs. Banks give mortgages to almost everybody and debt which is 10 times or more of the annual income is typical. In contrast to Spain, the boom is felt only in big cities. Small towns with large unemployment have still very low prices. The construction is increasing but is still rather low. About 110000 dwellings a year for a 38 million country is not that impressive (however, the population is declining both due to migration and birth/deaths ratio).

A crash in Spain would definitely help to deflate the bubble in Poland.


Thanks for your post. Are you Tochovista? Here, we have a paculiar troll with many identity called Tochovista. Therefore, we suspect you identity. In what city was you born in Poland? Could you write in polish? Sprache du deutsch? Parlez vous franÇais?

Please, write in polish something about the bubble, and we will check your identity in another forum.

Sorry, my english it isn´t very good...


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  #24  
Antiguo 28-oct-2006, 13:05
Saint Germain Saint Germain está desconectado
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Alguien puede traducir todo ese eslavo? Yo no me entero...


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  #25  
Antiguo 28-oct-2006, 13:17
burbujito burbujito está desconectado
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Thanks for your post. Are you Tochovista? Here, we have a paculiar troll with many identity called Tochovista. Therefore, we suspect you identity. In what city was you born in Poland? Could you write in polish? Sprache du deutsch? Parlez vous franÇais?

Please, write in polish something about the bubble, and we will check your identity in another forum.

Sorry, my english it isn´t very good...

Su inglés es demasiado bueno para ser español. Yo diría que es perfecto. Me he aclarado cuando ha dicho que trabaja en USA. no creo que sea un troll, y creo que es un dato a tener encuenta: LA GENTE DE FUERA DE ESPAÑA TRADUCE ESTE FORO PARA ENTERARSE DE LOS EFECTOS NOCIVOS DE UNA BURBUJA INMOBILIARIA. Eso quiere decir que nos hemos convertido (ESPAÑA) en un ejemplo para el mundo para saber por donde NO hay que ir.

Como ya he leido por aquí, dentro de unos años figuraremos en los libros de economía


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  #26  
Antiguo 28-oct-2006, 15:39
poszi poszi está desconectado
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Oh my God, this Mr. Tochiovista must have been some kind of a genius troll that you can suspect anybody to be him

And now the same in Polish

O Boże. Ten Tochiovista musiał być jakimś genialnym trollem, że podejrzewacie każdego, że jest nim.


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A GENTE DE FUERA DE ESPAÑA TRADUCE ESTE FORO PARA ENTERARSE DE LOS EFECTOS NOCIVOS DE UNA BURBUJA INMOBILIARIA. Eso quiere decir que nos hemos convertido (ESPAÑA) en un ejemplo para el mundo para saber por donde NO hay que ir.

I don't expect your Forum is read by more Poles. People in Poland (I'm sorry to say it) are sheep. You at least started some demonstrations and there is some awareness concerning the bubble. Poles think that this current bubble is absolutely beyond their control (well, they even think there is no bubble). I write a bit on a Polish forum about home building in general (there is no forum about the bubble, maybe I should start one) and a small minority are "burbujistas". On the other hand, your bubble lasted longer and your youth is probably more frustrated. In Poland many young people instead of complaining just emigrate.

But of course Spain is an example. Mainstream media in Poland frequently quote some real estate "analysts" (who work for real estate agents or home builders and are not impartial) who show Spain as an example of what will happen in Poland. They claim that prices in Spain rose a lot during the last decade and they Poland would follow this path. I wonder what would they say when your prices start to deflate. Probably that Spain is not a good example Sanity in mainstream media is very rare. I know one article in Wprost (it is Polish equivalent of Newsweek or Time but a bit more sensational) that shows prices in Poland are higher (relative to incomes) that in Spain and that Spanish real estate is grossly overvalued. They also write about your demonstrations.

But a mindset of a people bombarded by property propaganda is that Spain had growth, we would have the same. You can search for
"in Spain" in this popular Polish forum about home building and my posts are an exception. I write that indeed Spain had a spectacular growth in prices but this is not normal and is going to reverse sooner or later.

P.S I understand some basic German but no French at all.


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  #27  
Antiguo 28-oct-2006, 16:01
poszi poszi está desconectado
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it's been ages since i last spoke (and wrote) polish but still love it!
spent some time in poland and in Czech Rep... people in Prague used to say I spoke polish and people i warzsawa said I spoke some funny cesky... t'was so funny!

Indeed
In Poland always felt people were very nice, kind & friendly... cold country and warm hearts, but please don't be kind to all these vampires blood suckers who try to exploit your land!! (specially if they're spanish ;-))

I visited Spain twice (including Catalonia) and didn't meet any blood suckers only nice people

I wonder whom you dislike more: speculators or homebuilders. In Poland homebuilders have obscene profit margins (40% is normal and there are rumors that some have 100% and more) and Spanish homebuilders are entering the market because it is so profitable. They have big pockets and recently foreign companies won a few land auctions in Warsaw paying more than Polish companies can afford.

Speculators are more silent so I have no idea how many of them bought properties in Poland.


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  #28  
Antiguo 28-oct-2006, 16:50
Saint Germain Saint Germain está desconectado
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Oh my God, this Mr. Tochiovista must have been some kind of a genius troll that you can suspect anybody to be him

Sorry, we are very tired of sophisticated trolls in this forum.
To tell the truth, Tochovista is a pleasant troll, but a troll.

Welcome to burbuja.info! Stay here, and tell us your real state experience.


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  #29  
Antiguo 28-oct-2006, 17:48
nour_el_ain nour_el_ain está desconectado
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I can´t with my life... Osea, que no puedo con mi vida, vamos. Es mencionar Polonia y aparece un polaco que se llama Pozí?
Desde luego, en mi vida he visto trolls como los de este foro


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  #30  
Antiguo 28-oct-2006, 21:00
poszi poszi está desconectado
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Be careful about that! many analysts thought the raise of prices in Spain just before the euro started was a way of getting rid of all the black money people had and that once we were using the euro, prices would go down. Of course they were wrong. As somebody in this forum said the only way of keeping the prices low is NOT BUYING.

There is no chance the boom would continue another 6 years. Of course, if Poland joined euro next year it would fuel the boom because it would remove the currency risk but 2012 is so distant future that I can't imagine the prices are going to rise any more during this time. Well, I thought a year ago that prices were crazy and the prices went up but right now USA is shattering and Ireland and Spain at least lost the steam so I doubt there would be massive growth. I think the boom in Poland would continue for another year or two when it would be obvious that the boom around the world is gone and the speculators both foreign and local would cash the profit. And then, depending on how the global economy survived, the prices either significantly decline or stagnate for a long time so the growth in incomes would catch them.

Spanish and Irish markets are crucial for the sentiment in Poland. If people stopped believing that the prices can only go up, they would fall and you are an example that can prove it.


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