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Huizenprijzen dalen met 60% in 7 jaar en nog veel meer.

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Pagina: «« 1 ... 722 723 724 725 726 ... 2018 »» | Laatste | Omlaag ↓
  1. forum rang 6 NewKidInTown 12 augustus 2013 11:45
    quote:

    4sixteen schreef op 12 augustus 2013 10:09:

    [...]

    Mss kan je op deze site iets vinden?
    woningmarktcijfers.staanhier.nl/blog/...
    Op deze site staat:
    "In onderstaande kaarten vergelijk ik de mediane vraagprijs van het aanbod op funda met de mediane vraagprijs van verkochte woningen. Deze getallen zeggen dus he-le-maal niets over een individueel huis dat schuin tegenover jou te koop staat. Het zegt echter wél iets over hoever vraag en aanbod uit elkaar liggen, of in welk segment de kopers actief zijn en in welk segment de verkopers zitten te wachten."

    Stel even een extreem voorbeeld, er staan 5 huizen te koop:
    nr1 vraagprijs 150.000
    nr2 vraagprijs 250.000
    nr3 vraagprijs 400.000
    nr4 vraagprijs 700.000
    nr5 vraagprijs 1000.000
    Alleen nr1 wordt verkocht (voor 140.000), maakt niet uit voor hoeveel want het gaat hier uitsluitend om vraagprijzen.

    De mediane vraagprijs van het totaal is 400.000.
    De mediane vraagprijs van de verkochte woningen is 150.000

    Het geeft dus uitsluitend aan in welk(e) segment(en) er voornamelijk gehandeld wordt en in welke het rustig tot stil is.

    Interessant (voor mij) zou ook zijn het verschil tussen vraagprijs en werkelijke koopprijs in de verschillende sectoren. Hoogstwaarschijnlijk, alleen gevoelsmatig, denk ik dat het verschil in de hogere sectoren, natuurlijk absoluut maar ook procentueel, het grootst is.
    Bijvoorbeeld, verkopers in de goedkopere sectoren hoeven minder, zeg een 10% laten vallen om de koper over de streep te trekken en in de duurdere sectoren 20%.
    Daarnaast zou je ook kunnen kijken hoeveel de verschillende sectoren qua vraagprijzen zijn gezakt sinds de top in 2008.
  2. jrxs4all 12 augustus 2013 13:57
    quote:

    KidBackInTown schreef op 12 augustus 2013 11:45:

    Interessant (voor mij) zou ook zijn het verschil tussen vraagprijs en werkelijke koopprijs in de verschillende sectoren. Hoogstwaarschijnlijk, alleen gevoelsmatig, denk ik dat het verschil in de hogere sectoren, natuurlijk absoluut maar ook procentueel, het grootst is.

    Hier valt veel uit te halen:
    www.nvm.nl/~/media/NVMWebsite/Downloa...
  3. [verwijderd] 12 augustus 2013 14:50
    Er wordt gezegd dat de gemiddelde huizenprijs vanaf 2008, 36000 euro is gezakt. Opzich kun je daar niet veel mee.
    De lezers op dit forum zouden wat meer info kunnen verstrekken, die het aan den lijve hebben ondervonden, wat hun huis bij verkoop heeft opgebracht en hoe hoog de hypotheek was.
    De hoogte van een 100% hypotheek , zegt hoeveel het huis waard was bij aankoop.
    Ook welk soort woning, moet erbij vermeld worden.
    Het kan ook zijn dat de hypotheek iets hoger was dan de waarde van het huis?
    Bv bij oversluiting.
  4. forum rang 8 josti5 12 augustus 2013 15:25
    quote:

    Da Freeze schreef op 12 augustus 2013 15:18:

    Als ik in dit specifieke forumtopic kijk, heb ik het idee dat mensen die dit mee hebben gemaakt niet op dit forum komen. :)
    Net zoals op een reünie krijg je voor het overgrote deel succesverhalen -:)

    Ik wil het mijne nog wel eens herhalen, hoor -:)
  5. forum rang 6 NewKidInTown 12 augustus 2013 15:27
    Ik heb hier wel eens opgemerkt dat we hier (in Azie) pas aan het begin staan van een housing-bubble (over 10 jaar collapse).
    Onderstaande poster verwacht het binnen 2 a 4 jaar hoogstens (voor de Filippinen):

    An Open Letter to Philippine President Benigno Aquino III: Now is the time to prepare for a massive housing crisis in Asia
    By Joe Salcedo on December 17, 2012 3:19 PM

    Author's note: This is a personal piece that's been brewing in our hearts for a few years now.
    When a housing market breaks down, as we have experienced first-hand, the biggest casualty will not be stock markets or tumbling currencies, it will be the family. It is they that suffer the most because few will see the crisis coming. Our hope is that this article will start a dialogue. We don't expect blind acceptance, rather, to start a conversation on what we feel is a very urgent issue. We'd like to thank Valen Alexis, an award winning writer and director in LA, for organizing our jumbled thoughts and ideas into a readable essay.

    An Open Letter to Philippine President Benigno Aquino III: Now is the time to prepare for a massive housing crisis in Asia
    By: Joe Salcedo & Ian Mariano

    I was 12 years old living in Manila Philippines - Romarico Jr. tailing Romarico Sr. as he collected rent payments and called out work orders from fixing busted pipes or putting new travertine tiles. It was 1996. We had eight rental homes, and we were economic and housing bliss in my home country.

    It would be the last.
    Luckily, my father already had his ear to the ground, had predicted the Asian Market Crash that went into full effect in 1997.
    Growing up Pops would always share his dreams for us: "I want all four of you to have a house before you get married, especially you two boys -- you'll be the head of your families."

    Then the Asian housing crash happened.
    I remember it like yesterday. The frantic calls to real estate agents, the tense tone in my father's voice as he made deals with selling our prized investments. When I asked him why he was selling "my home," he said it was needed because of "blah, blah, blah, Thailand." He had heard something about Thailand's housing market falling apart.

    He was spot on.
    Asia was in trouble. Thailand, where the first domino collapsed, devalued its currency in July 1997 (devalued baht make Thai goods more desirable internationally to help stimulate lagging economy).

    Before the problems started, Thailand had experienced a long period of growth that created an over-heated housing market. The pressure came from two fronts: overproduction of houses and central bank's squeeze on lending. New housing units were built to satisfy the ever-growing demands caused by Thailand's hot economy, primarily fueled by liberalization of
    capital inflow which lent to local housing developers financed by foreign loans.

    As the crisis spread, most of Southeast Asia and Japan saw slumping currencies, devalued stock markets and other asset prices, and a precipitous rise in private debt. In November 1997, South Korea, one of fastest growing economies in the world, shocked the world and its citizens when it announced it was seeking assistance of the International Monetary Fund in meeting its foreign debts burden. In 1998 the Philippines growth dropped to virtually zero.

    And few saw the crash coming, as Asian economies had been doing fine before the crisis, with impressive growth and solid fundamentals.

    On the eve of the crisis, nearly all forecasts were predicting positive and high growth rates for these economies for the coming years of 1997 and 1998. Hardly anyone asks the hard questions when all is well. "You only find out who is swimming naked when the tide goes out."


    Consumers and local businesses had become "over-optimistic, to over-invest, and to over-produce." The brunt of which was seen in the real estate industry. And then it all came to a screeching halt.

    Barely fifteen years ago and I'm afraid we're starting to forget the lessons from this crisis. It looks like we're headed down that path again -- sooner than later, one that could equal the East Asian Financial Crisis
    of 1997.

    The Philippines is about to enter its fifth straight year of "good times" which started around 2008 fueled by an "unprecedented construction boom" currently transforming the skyline of the nation's capital, as well as many provincial cities. Consumer
    spending, which remained a major growth driver, more than doubled in a single year from 2.4% to 7.1% recorded in 2011. Donald Trump has put his name to a $150-million, 56-story, curtain-glass-walled Trump Tower that broke ground this year -- 70% of the 220 residential units, which are worth up to $1.86 million each, have been sold according to Trump.

    Before I proceed allow me to share to you why I am writing this letter. Yes I am here to sound the emergency alarm in hopes that the Philippine government can start preparing for this financial catastrophe ASAP. But I am not here to belittle the progress that's happening in the Philippines and most of Asia.

    I fully support it and share your joy in this new found wealth and opportunities: The country's credit rating has been bumped up to just a step below investment grade by all three major international credit agencies, the Peso is the best performing currency in Asia and GDP is second only to China this year. This is a good thing for theFilipino people especially for its burgeoning middle class.

    I also admire the intentions of Philippine Finance Secretary Cesar V. Purisima when he said that he is closely watching this economic boom to prevent another asset bubble from happening. But the attitude towards this new bubble is still "if"
    there is a bubble. This letter is a plea to elevate "if" to "when" the bubble occurs.

  6. forum rang 6 NewKidInTown 12 augustus 2013 15:38
    We can never over-prepare for a crisis like this. And as you have seen happen in the U.S housing market in 2006 (real estate bubble burst due to rapidly falling demand) and what's currently afflicting European countries (Spain's housing market collapse & severe unemployment, Greece's depressed economy); Asia will not be immune to a Great Recession. Prosperity can put a veil on our eyes from seeping problems. This is not an Asian problem as much as it is in people's nature. People forget.

    I have worked in real estate for the last seven years (research and marketing under the umbrella of Chase International,
    the number one luxury real estate company in Northern Nevada) and have studied, seen and experienced the U.S. housing market collapse; carefully following the Northern Nevada housing market from boom to bust through our in-house graphs and correctly called the market's absolute peak in August 2005 as we advised our top investors to "cut losses short".

    We were also the first ones to be optimistic about the market in late 2010 when we saw continued surge in demand and dwindling housing inventories. Our story, past research and articles can be found here: Reno Real Estate.

    Let's go back to our topic.
    In one of his most important research papers written in 1998 entitled "What Happened to Asia", Paul Krugman, Nobel laureate in economics, professor of economics and international affairs at Princeton, and a columnist at the New York
    Times wrote: "It seems safe to say that nobody anticipated anything like the current crisis in Asia. True, there were some Asia skeptics - including myself - who regarded the claims of an Asian economic miracle as overstated...But even pessimists expected something along the lines of a conventional currency crisis followed by at most a modest downturn, and we expected the longer-term slowdown in growth to emerge only gradually. What we have actually seen is something both more complex and more drastic: collapses in domestic asset markets, widespread bank failures, bankruptcies on the part of many firms, and what looks likely to be a much more severe real downturn than even the most negative-minded anticipated."

    In two to four years, the next severe downturn is likely to happen, and it could even have a bigger impact than the 1997 crisis. It will affect the Philippines and most of Asia. It will most likely start with the housing market and fully bleed into the rest of the economy.

    Here's why:
    Let's start with labels that Economists and some business people carelessly use, words like "Asian Miracle," "New Economic Center of the World," "Asian Superiority" to describe Asia's economy. The danger with these labels is it quietly breeds over-confidence in government officials and local businessmen, somehow implying that Asian countries will magically side-step tried and true economic realities.

    In 1994, three years before the 1997 Asian crisis happened, Mr. Krugman warned us of this "miracle." People were working harder not smarter. This was against the popular thinking in those days as Asian countries like South Korea, Taiwan and Japan were being praised for their "new" ways of managing their growing economies.

    There was tremendous growth but the growth happened by injecting vast resources into the economy. It was not a miracle. Mr. Krugman was simply popularizing what Alwyn Young at Boston University, Lawrence Lau at Stanford and Jong-Il Kim at Dongguk University in Korea were saying based on their research.

    They broke out the sources of Asian economic growth into several factors: population growth, investment in physical capital, increased education and "total factor productivity" -- a catch-all term for how efficiently the economies use any given level of labor and capital.

    To everyone's surprise, they found that many Asian tigers showed no gains in factor productivity over time. What Young and Lau found was that Asian growth has so far been mainly a matter of "perspiration rather than inspiration"-- of working harder, not smarter. These results were and are controversial -- partlybecause many people don't want to believe them and are eager to accept contrary calculations -- but their basic message has held up quite well under repeated challenges.

  7. forum rang 6 NewKidInTown 12 augustus 2013 15:39

    In a April 2012 report from PIDS (Philippine Institute for Deveopment Studies), Gilberto M. Llanto reports on the latest Total Factor Productivity in the Philippines: "Various studies showed that total factor productivity (TFP) has not been a source of growth in the Philippines. It seems that factor accumulation, which is not a sustainable source of growth, has underpinned Philippine economic growth. Studies have also shown that the sustained growth of developed countries has ridden on the back of technological advances rather than on increasing use of factor inputs. Total factor productivity improvement is the only route to sustain economic growth in the long run."

    What was true in the last Asian collapse is true now, "The tiger economies didn't rely on any special tricks for their success, just plain vanilla investment."


    Which brings me to my next point.

    "Hot Money" Flowing in the Philippines -- Capital investments from foreigners.

    As the U.S. is still slow in its recovery and Europe is still in a recession, investors from around the globe have poured buckets of cash into Asia, and because their initial bets were successful, they're doubling down on Asia and the Philippines is receiving a big chunk of it, billions of dollars on the casino industry alone. This is one of the major reasons for the economic boom.

    The Philippines and the rest of Asia are receiving historically high investments from private and public banks all over the world. Most are in the form of debt which in turn is used to finance the housing boom through property building and easier lending to borrowers. Paris Hilton is marketing a condo, Trump is building a tower -- all is great!

    To be clear, I believe this is good for the country. Investments, higher tourism rates, even Moody's positive outlook is good for the country. The danger is when we mistakenly think foreign investments -- "hot money" -- will never stop flowing. It has and it will.

    In the 1997 East Asian Financial Crisis and in the 1998 Russian Financial Crises, large amounts of "hot money" came from foreign banks. Before the East Asian Crisis, there had been rapid increases in capital flows from developed to developing countries - a six-fold increase in six years.

    Sudden outflow of hot money, which would always certainly happen in a threat of economic instability, would immediately deflate asset prices and could cause the collapse of value of the currency of a developing country.

    We are seeing the same trend now as large sums of foreign investments are thrown into the Philippines and other parts of Asia.

    This year, foreign direct investments (FDI) reached $917 million in the first half, up by 10.6 percent from the $829 million of the same period last year.

    It's easy to look competent in a prosperous economy, but the true test is whether you can cope with adversity.

    And now is the time to prepare.

    I should mention that the IMF reports that Philippines has an all time high of $81.7 billion in currency reserves ($11 billion in gold holdings) that will surely help if and when a crisit hits -- enough to cover for 11.8 months' worth of the country's imports and 6.5 times the combined debts to foreign creditors of private and government entities in the Philippines. External debt is
    $62.9 billion.

    But as Joseph Stieglitz wrote on the 10-year anniversary of the Asian crisis: "important lessons of the crisis have not been absorbed. Capital market liberalization - opening up developing countries' financial markets to surges in short-term 'hot' money - is dangerous."


    As cash and debt flowed freely the last five years, the Philippine real estate boom is well on its way to unprecedented bubble levels.

    Most have lost sight of one of the fundamental truths in investing -- lend only to those that can pay. Lending has been loose
    as more and more "balloon payment" mortgages are handed out to buyers (usually on the seventh year as their monthly payments more than double).

    Buyers have lost sight of supply and demand and are investing based on "future windfall profits" rather than tried and tested principles like rental income and long term property appreciation.

    As economist Winston Conrad B. Padajinog, senior economist and Dean of the school of management at the University of Asia & the Pacific (UA&P), warned: "There is over-production of middle to high end products, which is not solving
    the country's problem of housing supply shortage which is direly needed for the poorer population."


    What is happening now, he says "is developers are supplying the market that does not need housing, but merely for investments, second home, and even for gifts. The market is leading towards glut, if we are not to address the multiple needs across the real estate market segment." "With the favorable interest rate environment, many monthly income-earners can afford to get financing from banks, not necessarily from Pag-ibig." (Pagibig is the the Philippines nearest thing to the safer, FHA Loans here in the U.S.)


    Not to mention the direct effects of the over building is already tied to the latest mass flooding that caused more than half of Manila to be, literally, underwater.

    This is almost the same story as when the U.S. housing went up at a rapid pace starting in early 2000 and then went over the cliff in August 2006. Billions of dollars were lent to banks at very low interest rates that in turn were lent to home
    buyers (at then record low interest rates, 6-7%) to people who couldnot pay their mortgages after the "balloon payments" started. American banks stopped doing their due diligence and just lent money to almost everyone who was willing to lie on their income. After the real estate bubble burst, it reached a boiling point that caused the Great Recession here in the U.S. in 2008.

    What happens next is what I am most afraid of.
  8. forum rang 6 NewKidInTown 12 augustus 2013 15:40
    The current Philippine housing bubble will inevitably burst and will immediately lead to bank liquidity problems, lost of consumer confidence and massive pullouts from foreign investors.

    All bubbles burst, markets go up and it goes down. This is normal, only in this case, it isn't. As it happened in 1997 even to the strongest Asian economies like South Korea and Japan, people got carried away in prosperity, and a sharp rise in local people's debt followed.

    A similar thing is happening in the Philippines as consumer spending has greatly increased. People earned higher incomes but they are also saving less for the rainy days.

    In short, I don't think the Philippines is ready for a major economic crash. Many in the middle class are ill-equipped for a financial crisis. The government cannot save the banks like how the U.S. managed to do so, pouring hundreds of billions of dollars in bail outs.

    The Philippine government can't afford to do that. What can and will most likely happen is something I call a "financial Ondoy" -- a monetary catastrophe of grave repercussions. A domino effect that starts from the top -- banks and financial institutions, government flushed with cash -- and causing harm all the way down to the government sponsored programs for the poor.

    Here's the point where you would begin to think that I am just a "doom and gloomer" and that this cannot possibly happen in the Philippines. Open the local paper and you'll find an abundance of upbeat financial news by almost all major Philippine publications.

    And a strong argument is the Philippines have strong fundamentals: a healthy GDP and strong remittance of OFW worker's dollars -- lending a billion dollars to IMF -- and the rise of IT related firms giving good paying jobs to many Filipinos.

    These are all valid counter arguments and I have no doubt the Philippine government will do everything it can to help its people in the event of a financial crisis. But if there is one thing we can learn from the
    recent U.S.'s and Europe's financial collapse is you can never overestimate the ripple effect of uncertainty.

    For developing countries like the Philippines, a crisis almost always starts with the bursting of a housing bubble. In the first quarter of 2012, the average price of a luxury 3-bedroom condominium in Makati (financial center of Philippines) rose 4.8% to $272 per square foot according to Colliers International, up by 10.68% in less than twelve months; this year they're expecting another significant rise in housing stock, with 8,253 units added to the Metro Manila supply. High-end residential real estate prices are likely to rise by another 9.9% during the next twelve months. These increases are not sustainable and will inevitably reach a boiling point.

    Which brings me to my last point.
    Spain
    The ongoing Spanish financial crisis was ignited by a housing market crash. Spain didn't get into trouble because it squandered away money. On the contrary, on the eve of the crisis that started in 2008, Spain actually had a budget surplus and low debt.

    Large deficits emerged when the economy tanked, taking revenues with it, but, even so, Spain doesn't appear to have all that high a debt burden:
    "Spain's deficit problem has emerged relatively recently. The budget deficit averaged only 1.3 percent of GDP from 1995-2007 and the budget was actually in surplus from 2005-2007. As a result, Spain also ended 2007 with a rather modest level of public sector debt, amounting to just 43 percent of GDP."

    And now, Spain's economy is in shambles, the worst in 25 years (or more).

    What happened to Spain was a housing bubble -- fueled, to an important degree, by lending from rich, neighboring
    European countries - that burst, taking the economy down with it. Now the country has 23 percent unemployment, 50 percent among the young.


    As the title of latest New York Times reports, "Hunger on the Rise in Spain" And this is not just for the poor: "unemployment,
    debt and the collapse of industry have brought Spain to its knees - even the middle classes are now queuing at the food banks."

    Mr. President, we need to prepare as early as now or we could face a similar fate as the Spanish people. We need to figure out what to do before the storm hits. I suggest a combination of prevention and preparation. Perhaps we need to cease lending to other countries, and put more focus on Banko Sentral's campaign to increase our foreign currency stockpile. We need strategic plans for the rapid rise of unemployment, an early and abundant funding for food programs, allocation of future funds to lend to small and mid size businesses to help create new jobs, and preventive measures to ease excessive real estate development.
    Co-written by:
    Joe Salcedo (jsalcedo@chaseinternational.com)
    Ian Mariano (imariano@chaseinternational.com)
    Bron Abs-cbn
  9. [verwijderd] 12 augustus 2013 19:17
    In de nieuwste uitgave van Reed Elsevier , lees ik dat Rutte en gevolg in hun handen hebben gewreven, dat Reyn(Eurocommissaris), met 6 miljard bezuinigingen tevreden was voor 2014.
    Het kabinet maakte direct bekend akkoord te gaan.
    De realiteit in 2014 zal zijn , dat Nederland die 3%(EU norm) , niet gaat halen.
    De situatie in Nederland verschilt van andere West-Europese landen , die een AAA rating hebben.
    Het zwakke consumentvertrouwen, de bezuinigingen, koopkrachtverlies,werkloosheid, staatsschuld en de huizenmarkt, wijst erop ,dat het langer gaat duren voordat de situatie stabiliseert in Nederland.
  10. [verwijderd] 12 augustus 2013 22:27
    quote:

    Chiddix schreef op 12 augustus 2013 19:17:

    De situatie in Nederland verschilt van andere West-Europese landen , die een AAA rating hebben.
    Het zwakke consumentvertrouwen, de bezuinigingen, koopkrachtverlies,werkloosheid, staatsschuld en de huizenmarkt, wijst erop ,dat het langer gaat duren voordat de situatie stabiliseert in Nederland.
    Hoe zou jij het oplossen ?
    grt
  11. [verwijderd] 13 augustus 2013 02:54
    quote:

    op en top schreef op 12 augustus 2013 22:27:

    [...]

    Hoe zou jij het oplossen ?
    grt
    In het artikel van Elsevier werd aangegeven ,dat de consument door de hand op de knip te houden en te sparen, medeoorzaak is dat de economie niet op gang komt.
    Het woord oppotten werd genoemd.
    Zo bracht Rutte het ook naarbuiten met zijn uitspraken, koop een huis, koop een nieuw auto.
    De realiteit is, dat de consument in Nederland minder te besteden heeft door lastenverzwaringen en afdracht aan pensioenen etc
    Men kwam in dat tijdschrift tot de conclusie, dat de overheid zich nu moet gaat richten op de pensioenfondsen en woningcooperaties e.d om de economie op gang te brengen, door hen te bewegen te investeren in de economie.
    Er zit heel veel geld bij pensioenfondsen. 80% wordt geinvesteerd of belegd in het buitenland.
    Maar miljarden zijn ook verdampt op de beurs gezien vele pensioenfondsen de norm niet halen van DNB. Gaat nu wat beter door aantrekkende beurs.

    Mijn oplossing is, 1 miljard netto van de ontwikkelingshulp eraf en de HRA afschaffen voor de hogere inkomens. Maar dat is niet genoeg. Er zal meer moeten gebeuren.
    Nederlandse huishoudens hebben honderden miljarden spaargeld opgepot. Maar het laten rollen, lijkt een groot probleem te zijn.
    De overheid richt zich nu op de pensioenfondsen, om het tij te keren.
  12. forum rang 6 NewKidInTown 13 augustus 2013 05:54
    Oplossing ?

    "De utopie van een gezonde woningmarkt

    De woningmark lig op zijn gat. Er wordt veel over gesproken. Niet in de laatste plaats omdat de belangen zo groot zijn. Huiseigenaren, bouwers, (plaatselijke) overheden, makelaars, doe het zelf zaken, notarissen en keuken- en badkamerspecialisten snakken naar een hoopvol nieuwsbericht inzake de huizenmarkt. Helaas, op een paar incidentele berichten na, is het nog steeds kommer en kwel op de Nederlandse huizenmarkt."

    ........................

    "Conclusie
    Hoewel de belangen groot zijn om de woningmarkt weer vlot te trekken, lijkt alles erop te wijzen dat de Nederlandse woningmarkt gedurende de komende 15 jaar chronisch ziek zal blijven. Je kunt je afvragen of de huizenmarkt ooit gezond is geweest? Immers, zodra een vastgoedcrisis is opgelost, wordt de eerste steen gelegd voor de volgende crisis omdat we het toch niet kunnen laten om zoveel mogelijk te lenen."

    Komende 15 jaar chronisch ziek, tot rond 2028 dus, hum.

    Lees het complete verhaal op:

    biflatie.nl/artikelen/huizenmarkt/de-...
  13. [verwijderd] 13 augustus 2013 07:39
    problem blijft zwaar gesubsidieerde huurmarkt in die Nederland ook nog eends in de vorm van woningcorporaties belachelijk groot is ,ook in vergelijking met andere landen.

    Dat is hetzelfde als voorbeeld wanneer je 3mln nederlanders een WAO geeft... dan komt het geld niet terecht waar het voor bedoeld is en kost het ook veel te veel.

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