Hybrid housing: a possible alternative
Economic cycles sometimes lead us to live a little more difficult times than others. This time the problem seems to focus on home purchases. However, you should always try to find the positive or least bad of the moment and find solutions or alternatives to make possible the reality (or dream, as interpreted want) from the Spanish, and especially young people.
Fortunately also, the world’s governments have matured and with each crisis learn to manage and sustain the situation better. The experience is a plus, and now, from all sectors, are beginning to take the first aid measures for the purchase of homes, to help young people through subsidies (such as 210 euros aid for rental housing) and to devise new ways to facilitate access to that free housing.
One of these new ideas have begun to sound stronger the hybrid housing. Strange name for such a simple concept, because this is only a figure halfway between the protected and free housing. In everyone’s mind is that building should be increased VPO, and although that is one of the measures proposed and is being carried out, the truth is to be complemented by other similar measures.
Hybrid housing is to qualify or contemplated at the time of sale and social housing, housing that is free and does not therefore cease to be free. Thus, the buyer purchases a home, obviously at a higher price than the VPO, but with the advantage that the interest paid on the mortgage loan will be those who would be charged if the house was protected, and would therefore be an interest rate much lower than the market for any home free. The only measure to take would be to provide the necessary assurance to the purchaser that for a time the interest rate on your mortgage loan not rise above the set for the VPO.