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it is possible that all of us can
get to have a home of their own
accessible and flexible sustainable way
the crisis of 2007 has caused
hundreds of thousands of people were
victims of evictions and many of
as we have seen they have ended up in the
homeless millennials generation
he has very badly to access the
living place
it is becoming more affordable every time the
rentals are more expensive every time they last
less every time the houses are more
precarious they have the need every time
to rent rooms instead of
whole floors
barcelona is a great example of that the
generation x mine did not have either
so easy in my case for example I had
to be with my girlfriend that today is
my wife of 30 years of boyfriend
there are nine years of boyfriends are also
many but they are less than 30
what I do want 30 years was the
mortgage the mortgage that we had to
do
it was 30 years and now we are paying
when we started thinking about
access to housing and how
facilitate the people who could
do we said is necessary there is no other
option that people have to
get into debt for 30 years or have to
end up in a rent that every three
years have to pass that test with the
home that is becoming shorter
increasingly precarious time is more expensive
we thought that that could not be we think
that we had to go further by
said place to go beyond see you
More here
in fact so much that we end up in the
sixth century out in the 6th century with
the justinian emperor who was the
inventor of the mortgage and one can
think good eh
mortgage is good or is bad has led
to the town hall to many families
but of course it is an invention that has lasted
one thousand 400 years
I do not know what other inventions if they are
really bad they could have lasted those
1,400 years the mortgage of a large
virtue that is what has made her
survive that is that someone who does not
know of nothing suddenly lend you
200,000 euros 300,000 euros without
need to darren and possession nor the
property of the house
Of course that is fine in principle but
you know what happened to Napoleon and
to the nineteenth century let’s have a jump and
a t-shirt a person man had a
character all or nothing or you were with
the ono estadi and in the case of
property I had it very clear that if
you want to be an owner you do not have
that be all right
if we put that mortgage together with that
property forever
we have that there are a series of families
that have been out of the game that are
over indebted and that we have given
change from Napoleon these 200 years
Well, as we said a way of
holding the rent that 80% of the
current tenants do not like it and that
also if they stop it to think well it’s
a form of tenure that has just
pay never
you will be 40 years old 70 years old 90 years old
and will continue to pay rent and you
they can think and there is very good but here
our only problem in the
other countries is not resolved because no
it’s exactly like that
Germany for example always we take
of example for many things like what
they make the Germans final 55 by
hundred of citizens living on
rent props like rent not
necessarily what we have discovered
is that let’s say its mechanism excludes
excludes vulnerable people with
less income from accessing property
for example you are required to john
to be granted a loan
mortgage have to put their
pocket 40% of the value of the property
you imagine a family that
you can opt for a house of 100,000
euros for saying something that could have
has had never ever get 40,000
euros saved to be able to give and not
fundables
this is very difficult , that’s where that comes from
result that there is so much population there
who lives from rent but that does not want
say that they are helpless but that
basically what they do is make a
rental system by time
undefined
so you do not have to renew every
three years with the landlord and at the same
have a reference income from the
rent is not free but there are some
tables that control that income but not
we are we are not in that
situation we do not have a state
social so strong and we have a
property in which many families have
caught our fingers and we have a rent
of very short duration very expensive
in this scenario really where
we put our hope where you can
put our job
Well give you a first idea I
I believe in the democratization of
property is to say a property for
all and at the same time also in the
German style rentals but let’s
the first ones will receive that change so
important that we have to do from
Napoleon and for that we have to
fix and look for families when
is looking for a home
he’s basically looking for three things
people seek stability seek
flexibility and seek affordability in
your home stability so that this
ability to have security
people we need a roof to be able to
develop as people develop
freely our personality to be
completely free to be
completely equal is very difficult
develop fundamental rights
without a ceiling flexibility so that
flexibility so that when I have the
need for example to sublease
part of my house so that another person
help me for rent can do it
or that there is a market where I can
living the house increased increased a
job in another city and
affordability so that for
finally we can get the
families dedicate only
30% of your income to the expense of the
living place
well he presented the trends
intermediate the intermediate differences
they intend to do that pretend to mix
These three ingredients form
we could call masterly in
sense that people are about
your home as stable as possible
flexible is possible and affordable is
possible
and these are two shared property
and the season property that is the
property shared property
shared gives the possibility of being
fully in owner buying
only a small piece of the house does not
misunderstand not just one to one
room for example not but a
percentage for example buy 20% the
10% 38 percent what one has
really saved what the bank
want to lend so that it can be
owner for all purposes of
sustainable way and without over debt
with that right to be able to acquire the
The rest of the house is one hundred
one hundred for the rest pays a rent of
way that the seller is happy to
get into that business because he received
one part in cash and the other in
rent
imagine therefore being able to be
homeowners who in
absolute property would be 200,000
euros paying only 40,000 euros or
instead of giving an entry of 20 thousand
euros can give an entry of 8,000 and
which is the temporal and temporal itself
It is a house full of clocks or combined
with watches but the own
temporary the possibility of being able to be
owner for a number of years
between 10 and 99 years the number of years
that one wants
there are many circumstances why
a person has to buy a house
forever but can cover their
needs for a number of years
in this context the very temporary
It allows to overcome traditional figures
as the usufruct nancy teus is the census
the surface that between us more
that housing tenure efe
ages exceeded this point one
one can think good eh
this is a reality for them commented
I firmly believe in the possibility that
everyone has the right to be able to be
owner in a sustainable way and by
so without over- indebtedness and a state
social as we have a state
relatively weak social in our
European context I believe in the possibility
that the new 2014 directive 17 that is
about to be implemented now that says
that vulnerable people
they can practically never be
owners through the property
shared and of the temporary itself what
can be I think that couple of
young people who do not want to have children
example can buy a house for the
number of years that you think you are going to
live being very optimistic because now
is now 30 years old 60
I believe in the possibility that the mother
who has three children and who only has
a house the house where he lives and is
worried to who is going to leave her in
good inheritance as there is no problem
in giving 10 years the first child
ten years the second son and ten others
years later to the third child
I believe in the possibility of an authentic
social mixture in our cities in
our neighborhoods in our communities
with shared and temporary property
it is possible that these people
combine and live plant in it
ladder people who are property
absolute that has one hundred percent but
people also that have 20% that
have the 10% they have bought for three
years for 10 years that they have bought for
15 years
I believe in the possibility that one’s own
share the temporary itself help the
public administration to do housing
social housing very stable and very
linked by its beneficiaries
I also believe in progressive housing
in housing by modules
the architects and they have long since
designed homes that allow to expand
if reduced architectural
architecturally as the
family grows or decreases with one ‘s own
shared also that is possible or
even for second in resides
and that does not buy the second residence
in the mountains it turns out that the child
it grows it is 15 years old it never comes back
more there by the can opt for 15
years that the child is going to
endure going there
well let’s stop believing blindly
this is already a reality in Catalonia with
the law 19 2015 for two years now
it is possible to do shared ownership and
temporary property can quietly
now if any of you also
a floor go internet that offer that
they had and tell the truth he heard me and
I do not have the 250,000 euros that you
He is asking me but I have saved 30
thousand and the bank leaves me another 20,000 what
it seems if you bought him 20 percent
that you think if I buy 30% and
I’m paying an income until I can
get that 100%
well silvia silvia did it is a
young person to a young woman of tarragona e
Spanish teacher who had to
move for work reasons to
London a few years ago housing
London
it is terrible problematic housing in
london is terrible much more than
barcelona even contact with the cause
association because I saw no option in
the market and said what possibilities
I have the feeling that it is an entity
social housing manager said look
you can buy this house for 30%
street did not know what it was then no
this law was in force and then
bought that 30% of the house could turn it off
and now you have that 40 percent and
also that floor has it very well
located near the mouth of metro
easy access to your job and
the center of london had done what
what have they done
180,000 English families from the
80 and other 180 thousand are
waiting to be able to access property
shared to that dwelling so
sustainable is waiting for the
they build because in england and a
housing construction program
my message is that you are welcome to a
democratic property be you
Welcome to a property with a future
thank you very much
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